both run parallel. until certain point of time. you have both. house and fd.

if u dump into house loan, end up u only left house.

but, this subjective. If you only have small amount of money, why u dump into house loan? doesnt make any super big different.

the calculation already tell you what different you will get. bank is smart. They already factor in.

if your hosue loan is 300k, you have cash 300k, you put in house loan, it does not generate income, you still need to pay the monthly installment with zero interest charge on your loan account.

You can put 150k into fd, 150k into your loan account to reduce some interest. or any amount that you think is suitable for you.

unless you want full settlement. but you need to start accumulate 300k from 0.

no perfect answer for all this.