Should I stay with my home loan at ICICI HFC or switch to a personal loan?

Recently, we got Engaged after a Courtship Period of 6 Months. Prior to this, my Fiancee had been in a Long Term Relationship, while I had never been into any Serious Romantic Relationship, apart from Platonic Friendship, with the Female Gender. Some 3 Months ago, my Fiancee confessed everything about her Past Relationship. Apparently, her Ex Boyfriend was quite Toxic. He used to Abuse her Emotionally but still Manipulate her into having Sexual Intercourse with him, which he was really good at. She also confessed that she enjoyed the Sexual Intimacy, even though she felt Emotionally invalidated in her previous Relationship. Apparently, their Relationship ended when she started being Assertive & tried taking a stand for herself. Then he Gaslighted her & Broke up the Relationship which was almost 5 years long. Initially, I felt uncomfortable hearing all these details from her as I was Virgin without any Prior Relationship Experience. But gradually, I began to Empathize with her. I appreciated her Honesty, as most other Women may not have Confessed all these before having an Arranged Marriage. Hence, I decided to Love her, without Judging her Past. Over the next 3 Months, we both became Emotionally close to each other & got Engaged with the Blessings of both Families. At the beginning of the Valentine's Week, I expressed my desire to lose my Virginity to her & also check our Sexual Compatibility, only if she's comfortable with it. She agreed & promised me that she would be taking the lead to ensure that my 'First Experience' would be memorable. On the 14th of February (Valentine's Day), she was the one who took me out on a Romantic Date, pampered me with Gifts, Treated me to exquisite Food & Drink. She had Pre-booked a Room in a Classy Hotel & had it arranged like it was meant for the First Night of a Just-Married Couple. We freshened up & got into the act. Initially, it was going great, but when we were in the middle of it, she started moaning the name of her Ex Boyfriend, in a Sub-conscious state. I was shocked & turned off. Immediately, I left the Hotel Room & went back Home & cried throughout the Night, thinking about my First Experience which was Ruined like this. The next day, she came over to meet me at my Place & gave me a Flower Bouquet with an Apology Note. My Heart wouldn't let me meet or talk with her. Hence, she expressed herself in Text. She profusely apologized for ruining my First Experience, though it was not intentional. She promised me that she would make up for this Bad Experience with a much better Experience, if I am willing to give her another chance. But I have a Gut Feeling that she was missing the Sexual Intimacy, which she used to enjoy with her Ex Boyfriend & that she can never Love me, as deeply as she Loved him, that she was unable to forget him even after going through an Abusive Relationship & a Traumatic Breakup. During the last 3 Months, I had treated gently with Empathy, showering her with Affection, so that she'd heal from her Past Relationship Trauma & I never tried to Pressurize her into having Sex with me, I just expressed my Desires & gave her the choice, whether or not to fulfill them. She seemed to have agreed, wholeheartedly. Several times, I asked her whether she was Physically, Mentally & Emotionally Prepared for it, just to Reassure myself that I am not being Manipulative like her Ex Boyfriend. Even if she had expressed 1% Uncertainty to go ahead, I wouldn't have insisted her & put it away to a later point of time, when she felt comfortable with me. She reassured me that she's completely ready & did all the Arrangements herself, which really touched my Heart as most other Girls expect the man to put in most of the efforts & feel as if they are doing him a Favour by 'giving him Sexual Pleasure'. But what happened on our First Night, Devastated me completely. Now I feel that she had been Faking it all the time. I told her clearly that I felt Cheated & that it would be Difficult for me to Trust her again. She excused herself saying that it was just a 'Mistake' & she didn't even consider it as 'Cheating' as it happened involuntarily. But I am Worried about such scenarios recurring after we get Married. What if she keeps thinking & fantasizing about her Ex Boyfriend, everytime we get Intimate? It would be as if, she's just present with me, physically but not Emotionally. It Would Ruin my Peace of Mind as I want to Enjoy a Blissful Sex Life with my Wife after getting Married. I am worried that this Incident may keep playing in my Subconscious Mind, everytime we get Intimate & that I'll never be able to enjoy Sexual Intimacy ever again. I told her that I am not really Sure about going ahead with the Marriage, but I am not able to discuss this matter with my Parents (or even her Parents) as they wouldn't approve of the Pre-marital Sex, which we engaged in. I am also Worried that even if I Cancel this Marriage, I may or may not get another Girl who's as good as this one & I am also worried about how the Next Girl would be Judging me, if I disclose all this to her. I am losing my Sleep over-thinking all this & unable to lead my Daily Life, Peacefully. Meanwhile, my Fiancee messages me several times every day, Requesting for another chance to Please me Sexually (in order to keep me attached to her, so that I don't try to Cancel the Marriage). I don't understand what to do, in this situation, Please advise me. Shall I Cancel the Marriage? What shall we tell our Parents? Or does she really Deserve another Chance?

I (30M) have been in the process of Arranged Marriage, screening prospective matches. Out of all the Women I'd met, there's this one Woman (28F) with whom I'm able to get along quite well. She's quite good in almost all aspects such as Appearance, Personality, Education, Career, Social & Emotional Intelligence etc. and our Interests & aspirations for Future, also align to a great extent. It seems Feasible that we build a Life together. Even she seems to be interested in me. But there's one major problem. She doesn't seem to be Trusting me well enough to open up to me, completely. We've interacting with each other since a Few Months, over Social Media, WhatsApp Messages, Phone Calls & even met each other personally on several Dates & spent good time together, understanding each other. We've discussed almost all the important aspects required for leading a Fruitful Married Life, such as, Finances, Family Affairs, Children, Future Plans in terms of Career & Personal Life, Our Travelling Bucket Lists etc & we seem to be quite compatible on almost all these aspects. But there's one aspect that she's not willing to Share with me openly. That's about her Past Relationship(s) & Sexual History. I had brought up this topic for the first time on a Date, when we'd spent over a Month in Courtship & were meeting each other in person for the 5th time. I started off by telling her that I had not been involved in any Romantic Relationship(s) either Serious or Casual, during my College Years or in my Early to Mid 20's as I had been going through a lot struggles, during that Age and I had started meeting up with Ladies only since the past 2-3 Years, after I was settled well in a stable Career & got Serious about Marriage. And obviously, I am a Virgin. When I asked her to share about her Past, she excused herself & left, abruptly ending our Date. I understood that she might not be feeling comfortable with opening up at this stage. I profusely apologized if I'd crossed my Limits, unknowingly & asked her to meet up for another Date, after a week, wherein I Reassured her that whatever is discussed between the both of us regarding sensitive personal matters, shall only remain between the both of us & need not be shared with anyone else (including Parents). She agreed with me but still didn't open up about her Past. I waited Patiently giving her few more weeks' time to open up as per her Convenience, but she never did. Whenever I brought up this sensitive topic again, she'd either change the Topic or make some Excuse to Leave, ending our interaction abruptly. I still maintained Patience & kept Reassuring her gently, that I want to know about her Past, not to Judge her, but only to understand her better. Still she seemed reluctant to open up about her Past, but is actively conversing on any other Topic. The last time we'd met personally was on a Dinner Date, a week ago. When I gently raised the Topic again, she seemed to get somewhat irritated & asked me "How does my Past, really matter to you?" I Replied that it is very much important for me to know everything about her Past, to be able to Trust her completely & take the Relationship ahead and once again I reminded her of both my Promises that I would listen to her with empathy & understanding without Judgement and that I would maintain utmost Secrecy with Respect to her Sensitive Personal Matters. Still she seemed avoidant about the Uncomfortable Conversation & tried to Gaslight me as if I'm Disrespecting her Personal Boundaries. Our Date ended on an unpleasant note & since then our Interaction over WhatsApp has been just minimal. I don't understand what's the matter with her, she never Shied away from discussing any other Important topic & communicated her views, quite effectively, giving me the Impression that she's a Matured Person, but I don't understand why she's so reluctant to open up on this Important topic, in spite of repeated Reassurances from my side. Please advise me, how do I proceed with this Sensitive issue? I am very much into her & wouldn't want to throw away such a Wonderful prospect as we seem to be getting along, quite well, with each other. At the same time, I feel the need to know everything about her Past Relationship(s) including her Sexual History, so that I can be sure about certain things, which greatly matter to me. My Gut Instinct refuses to Trust & Accept her completely, without this missing piece of Jigsaw Puzzle. I'm in great Dilemma now, any Qualitative Advice from Experienced People would be greatly appreciated.

I & my Girlfriend (both Aged 25), often Drink Socially. We both have an Understanding between us, that neither of us, would Drink with anyone else or at any Social Event, wherein both of us are not present together. We both agreed mutually, that we must only Drink together, either just by ourselves or at any Social Events, which both of us are attending together. This Unwritten Rule extends even to Get-togethers, with our Respective Families, Friends & Colleagues (including Office Parties), as we both may not always be together in all such Events. But Recently, I'd found out that my Girlfriend has breached our Agreement. She was attending an Office Party at a Night-Club, along with her Colleagues & there she got excessively drunk (upon her Colleagues' insistence) & Danced with them, rather wildly. I saw the video of her Drinking & Dancing with her Colleagues (including some Male Colleagues)... on one of her Colleague's Instagram. When I confronted her, she started crying that it was her Colleagues who insisted her to Drink beyond her usual limits & she was not completely in her Senses. She vaguely remembers Dancing with some of her Colleagues but has no Recollection of what happened later that night. Apparently she had crashed at a Colleague's Apartment along with some others & woke up late, the next Morning, to see most of her Colleagues, who'd Partied along with her, Knocked out & sleeping all over the Apartment, Male & Female Colleagues, together on the same Bed & Couch (she doesn't Remember anything that happened during the Night). I was deeply Disturbed by what she'd done & also by what else might have Happened that Night, which I am unaware of. I wanted to Break-up with her, then & there, but she kept Crying & Pleading me to Forgive her. Now it has become very Difficult for me to Trust her again. Whether her Behaviour counts as Cheating or not? Whether I'd be Justified in Break-ing up with her, over this incident? Or am I Being Unreasonable, due to Over-Thinking? Please give me some advice on how to proceed with this.

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