{"id":13014,"date":"2026-04-22T17:39:04","date_gmt":"2026-04-22T17:39:04","guid":{"rendered":"https:\/\/srv1603485.hstgr.cloud\/stop-emi-overload\/"},"modified":"2026-09-23T11:34:58","modified_gmt":"2026-09-23T11:34:58","slug":"stop-emi-overload","status":"publish","type":"post","link":"https:\/\/www.billcut.com\/blogs\/stop-emi-overload\/","title":{"rendered":"How to Stop EMI Overload in Monthly Budget"},"content":{"rendered":"<p>By BillCut<br \/>Last updated: September 2026<\/p>\n<p><strong>EMI overload<\/strong> happens when your combined monthly loan and credit repayments leave too little room for rent, groceries, bills, savings and unexpected expenses. The first step is to total every EMI, compare that amount with your monthly take-home income, and identify which commitments are putting the most pressure on your cash flow. From there, you can compare budgeting, restructuring, prepayment and consolidation options without taking another loan simply to cover the next payment.<\/p>\n<h2 id='what-is-emi-overload'>What is EMI overload?<\/h2>\n<p>EMI overload is a cash-flow problem created when several fixed repayments compete with the rest of your monthly expenses. It can happen with personal loans, vehicle loans, consumer durable EMIs, BNPL repayments and credit card conversions, even when each individual payment looked affordable when you took it.<\/p>\n<p>The key number is not the number of loans you have. It is how much of your available monthly cash is already committed before essential expenses are paid.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Monthly situation<\/th>\n<th>What it can mean<\/th>\n<th>What to check<\/th>\n<\/tr>\n<tr>\n<td>EMIs leave plenty for essentials and a buffer<\/td>\n<td>Repayments may be manageable<\/td>\n<td>Keep tracking total debt and future due dates<\/td>\n<\/tr>\n<tr>\n<td>EMIs leave little room after rent and essentials<\/td>\n<td>Cash-flow pressure is building<\/td>\n<td>Review discretionary spending and repayment dates<\/td>\n<\/tr>\n<tr>\n<td>You use a credit card to cover regular expenses<\/td>\n<td>Debt may be replacing monthly cash flow<\/td>\n<td>Review the full cost of existing debt before taking more<\/td>\n<\/tr>\n<tr>\n<td>You borrow to make another EMI<\/td>\n<td>The repayment cycle is becoming dependent on new credit<\/td>\n<td>Contact lenders and assess restructuring or consolidation options<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id='why-do-multiple-emis-become-difficult-to-manage'>Why do multiple EMIs become difficult to manage?<\/h2>\n<p>Multiple EMIs create more than one monthly debit. They create different due dates, interest rates, outstanding balances, lenders and rules. A repayment that looks small on its own can become significant when several similar commitments are added together.<\/p>\n<p>Cash-flow timing can make the problem feel worse. If several debits arrive soon after salary credit, the account balance can fall sharply before rent, groceries and other essentials are paid.<\/p>\n<ul>\n<li><strong>Different due dates:<\/strong> you need to keep enough money available at several points in the month.<\/li>\n<li><strong>Different costs:<\/strong> one debt can be materially more expensive than another.<\/li>\n<li><strong>Credit card conversions:<\/strong> several small monthly payments can hide the size of the total outstanding debt.<\/li>\n<li><strong>Income changes:<\/strong> a fixed EMI becomes harder to carry when salary, freelance income or business cash flow falls.<\/li>\n<li><strong>New borrowing:<\/strong> using fresh credit to meet existing repayments can increase the number of commitments instead of solving the cash-flow problem.<\/li>\n<\/ul>\n<p>BillCut\u2019s separate guide on <a href=\"https:\/\/www.billcut.com\/blogs\/emi-planning-tips\/\">EMI planning<\/a> can help you build a repayment calendar before deciding which commitment needs attention first.<\/p>\n<h2 id='how-can-you-calculate-your-total-emi-burden'>How can you calculate your total EMI burden?<\/h2>\n<p>Start with every recurring debt payment, not only bank-loan EMIs. Include personal loans, vehicle loans, consumer financing, BNPL repayments and credit card EMI conversions that are currently due.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Commitment<\/th>\n<th>Illustrative monthly payment<\/th>\n<th>Due date<\/th>\n<\/tr>\n<tr>\n<td>Personal loan<\/td>\n<td>Rs 9,000<\/td>\n<td>5th<\/td>\n<\/tr>\n<tr>\n<td>Credit card EMI<\/td>\n<td>Rs 4,500<\/td>\n<td>10th<\/td>\n<\/tr>\n<tr>\n<td>Phone and appliance EMIs<\/td>\n<td>Rs 3,000<\/td>\n<td>15th<\/td>\n<\/tr>\n<tr>\n<td>Vehicle loan<\/td>\n<td>Rs 7,500<\/td>\n<td>20th<\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td><strong>Rs 24,000<\/strong><\/td>\n<td>Multiple dates<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>In this illustrative example, the borrower has Rs 24,000 of monthly debt payments. If take-home income is Rs 60,000, those payments represent 40% of monthly income:<\/p>\n<p><strong>Rs 24,000 \u00f7 Rs 60,000 \u00d7 100 = 40%<\/strong><\/p>\n<p>That percentage is not a universal approval or safety threshold. Your actual capacity also depends on rent, dependants, food, transport, insurance, savings, variable income and the cost of each debt. The useful exercise is to see the full commitment before deciding what to change.<\/p>\n<h2 id='what-should-you-do-first-when-emis-are-taking-over-your-budget'>What should you do first when EMIs are taking over your budget?<\/h2>\n<p>Do not start by taking another loan. Start by making the existing debt visible and protecting the money needed for essential expenses.<\/p>\n<ol>\n<li><strong>List every debt.<\/strong> Record the lender, outstanding amount, EMI, interest rate if known, remaining tenure and due date.<\/li>\n<li><strong>Total the monthly payments.<\/strong> Add every recurring repayment so small EMIs are not treated as separate problems.<\/li>\n<li><strong>Map your salary cycle.<\/strong> Mark when income arrives and when each debit leaves the account.<\/li>\n<li><strong>Separate essentials from discretionary spending.<\/strong> Identify expenses that can be reduced temporarily without compromising essential needs.<\/li>\n<li><strong>Stop adding avoidable fixed commitments.<\/strong> A new EMI can make an already tight budget harder to recover.<\/li>\n<li><strong>Contact lenders early if repayment is becoming difficult.<\/strong> Ask what repayment, tenure or hardship options are actually available under your agreement.<\/li>\n<\/ol>\n<p>Keeping the full picture in one sheet or note also makes it easier to discuss your situation with a lender or qualified financial professional.<\/p>\n<h2 id='how-can-you-reduce-emi-pressure-without-missing-payments'>How can you reduce EMI pressure without missing payments?<\/h2>\n<p>There are several routes, but each solves a different problem. Lowering the monthly payment can improve cash flow while increasing total interest if a loan runs for longer. Consolidating debt can simplify payments, but the new loan\u2019s rate, fees, tenure and eligibility determine whether the overall cost makes sense.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Option<\/th>\n<th>What it can change<\/th>\n<th>Main trade-off<\/th>\n<\/tr>\n<tr>\n<td>Budget adjustment<\/td>\n<td>Frees cash without changing loan terms<\/td>\n<td>May require sustained spending cuts<\/td>\n<\/tr>\n<tr>\n<td>Partial prepayment<\/td>\n<td>Can reduce principal and future interest, subject to loan terms<\/td>\n<td>Uses cash that could otherwise remain as a buffer<\/td>\n<\/tr>\n<tr>\n<td>Tenure extension or restructuring<\/td>\n<td>Can lower the scheduled monthly payment<\/td>\n<td>May increase total interest or involve lender-specific conditions<\/td>\n<\/tr>\n<tr>\n<td>Debt consolidation<\/td>\n<td>Can replace several payments with one new repayment<\/td>\n<td>New rate, fees, tenure and eligibility determine the total cost<\/td>\n<\/tr>\n<tr>\n<td>Balance transfer or refinancing<\/td>\n<td>May change the cost of eligible debt<\/td>\n<td>Fees and new terms can offset a lower rate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The right comparison is not simply \u201cWhich option has the lowest EMI?\u201d It is \u201cWhat will this option cost in total, what happens to the repayment period, and does the new payment fit the rest of my budget?\u201d<\/p>\n<p>Once you have mapped your debts, a structured <a href=\"https:\/\/www.billcut.com\/blogs\/loan-restructuring-guide\/\">loan restructuring guide<\/a> can help you understand how changing repayment terms may affect monthly cash flow. The result depends on the lender, agreement and borrower circumstances.<\/p>\n<h2 id='when-does-debt-consolidation-help-with-emi-overload'>When does debt consolidation help with EMI overload?<\/h2>\n<p>Debt consolidation combines eligible debts into a new repayment arrangement. The attraction is simple: instead of tracking several separate payments, you may have one scheduled payment. But a lower monthly EMI does not automatically mean a lower total cost.<\/p>\n<p>For example, suppose an illustrative borrower has three repayments totalling Rs 18,000 a month. A consolidation loan could reduce the scheduled payment to Rs 14,000 by extending the repayment period. The borrower gains Rs 4,000 of monthly cash flow, but the longer tenure can increase total interest.<\/p>\n<p>BillCut is a provider in the debt-refinancing category. If you consider a BillCut solution, compare the actual terms available to you with the existing debts rather than assuming consolidation will always reduce your total cost.<\/p>\n<h2 id='how-can-budgeting-prevent-emi-overload-from-returning'>How can budgeting prevent EMI overload from returning?<\/h2>\n<p>Budgeting works best when debt payments are treated as fixed commitments before discretionary spending is planned. That makes it easier to see what is genuinely available after EMIs and essentials.<\/p>\n<ul>\n<li>Track expenses weekly instead of waiting until the end of the month.<\/li>\n<li>Keep a calendar of every EMI and bill due date.<\/li>\n<li>Separate essential spending from optional purchases.<\/li>\n<li>Review subscriptions and recurring charges that are no longer necessary.<\/li>\n<li>Keep some cash available for irregular expenses instead of allocating every rupee to planned spending.<\/li>\n<li>Recalculate the budget after a salary change, new loan or major household expense.<\/li>\n<\/ul>\n<p>BillCut\u2019s <a href=\"https:\/\/www.billcut.com\/blogs\/budgeting-basics\/\">budgeting basics<\/a> content covers the broader budgeting side of the problem. The purpose is not to eliminate every discretionary expense, but to make the fixed debt burden visible before new spending decisions are made.<\/p>\n<h2 id='who-should-consider-restructuring-or-consolidation-and-who-should-not'>Who should consider restructuring or consolidation, and who should not?<\/h2>\n<p>These options are most relevant when several existing repayments are creating a persistent cash-flow problem and the borrower can compare the new terms with the old obligations. They are less useful when the main issue is a temporary overspend that can be corrected without changing debt.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Situation<\/th>\n<th>What to examine<\/th>\n<\/tr>\n<tr>\n<td>Several high-cost debts<\/td>\n<td>Compare the total cost of consolidation or refinancing with keeping the existing debts<\/td>\n<\/tr>\n<tr>\n<td>Temporary cash-flow gap<\/td>\n<td>Review spending, payment timing and available cash before replacing debt<\/td>\n<\/tr>\n<tr>\n<td>Income has fallen<\/td>\n<td>Contact lenders and assess available repayment options early<\/td>\n<\/tr>\n<tr>\n<td>One debt is nearly finished<\/td>\n<td>Compare the benefit of keeping it on schedule versus changing the wider debt structure<\/td>\n<\/tr>\n<tr>\n<td>New credit is being used for essentials<\/td>\n<td>Focus on the underlying cash-flow gap before adding another liability<\/td>\n<\/tr>\n<tr>\n<td>A consolidation offer has unclear costs<\/td>\n<td>Do not judge it from the EMI alone; obtain the complete repayment terms first<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=''>\u00a0<\/h2>\n<h2 id='how-should-you-compare-two-ways-of-handling-emi-overload'>How should you compare two ways of handling EMI overload?<\/h2>\n<p>Compare the options using the same facts: monthly payment, remaining tenure, total amount payable, applicable fees, and the effect on your monthly cash flow.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Comparison point<\/th>\n<th>Keep existing debts<\/th>\n<th>Consolidate or restructure<\/th>\n<\/tr>\n<tr>\n<td>Number of monthly payments<\/td>\n<td>Several<\/td>\n<td>May become fewer<\/td>\n<\/tr>\n<tr>\n<td>Monthly cash flow<\/td>\n<td>Depends on current EMIs<\/td>\n<td>May improve if the new payment is lower<\/td>\n<\/tr>\n<tr>\n<td>Total interest<\/td>\n<td>Depends on existing rates and remaining tenures<\/td>\n<td>Depends on the new rate and tenure<\/td>\n<\/tr>\n<tr>\n<td>Fees<\/td>\n<td>Existing contract terms apply<\/td>\n<td>New fees may apply<\/td>\n<\/tr>\n<tr>\n<td>Repayment period<\/td>\n<td>Existing tenures remain<\/td>\n<td>May become longer or shorter<\/td>\n<\/tr>\n<tr>\n<td>Eligibility<\/td>\n<td>Already established under existing agreements<\/td>\n<td>Depends on the new lender or arrangement<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<p>This is why the lowest monthly payment is not enough information to choose between options. A smaller EMI can be useful for cash flow while still costing more over a longer repayment period.<\/p>\n<h2 id='how-does-emi-overload-affect-your-financial-flexibility'>How does EMI overload affect your financial flexibility?<\/h2>\n<p>High fixed repayments reduce the amount of income available for unexpected expenses. A medical bill, repair, job transition or family expense can then push a tight budget toward new borrowing.<\/p>\n<p>The practical risk is a cycle: fixed repayments consume cash, the borrower uses revolving credit for essentials, the new balance creates another payment, and the available cash becomes even smaller. Breaking that cycle requires looking at the entire debt and expense picture rather than one EMI at a time.<\/p>\n<h2 id='what-can-billcut-help-with-when-emi-overload-is-driven-by-expensive-debt'>What can BillCut help with when EMI overload is driven by expensive debt?<\/h2>\n<p>BillCut operates in the debt-refinancing category, which is relevant when high-cost debt is contributing to a borrower\u2019s monthly repayment pressure. A refinancing or consolidation approach can potentially change the structure of eligible debt, but the available terms depend on the borrower\u2019s situation and the specific offer.<\/p>\n<p>The useful comparison is between the existing obligations and the actual new terms: monthly payment, interest or pricing, tenure, applicable charges and total repayment. A lower scheduled EMI should not be presented as a guaranteed saving because extending repayment can increase the total amount paid.<\/p>\n<p>If you are considering this category of solution, first map your existing debts and essential monthly expenses. BillCut can then be considered alongside other eligible options rather than as a substitute for comparing the underlying costs.<\/p>\n<p><!--FAQ_SECTION_START--><\/p>\n<h2 id='frequently-asked-questions-about-emi-overload'>Frequently asked questions about EMI overload<\/h2>\n<h3>What is EMI overload?<\/h3>\n<p>EMI overload occurs when combined monthly debt repayments leave too little cash for essential expenses, savings and unexpected costs.<\/p>\n<h3>How do I reduce my EMI burden?<\/h3>\n<p>You can review spending, prioritise expensive debt, discuss repayment changes with lenders, consider eligible prepayments, or compare consolidation and refinancing options. Each option has different costs and eligibility conditions.<\/p>\n<h3>How many EMIs are too many?<\/h3>\n<p>There is no universal number. The more useful measure is whether the combined repayments fit comfortably alongside essential expenses, savings and a reasonable cash buffer.<\/p>\n<h3>Can debt consolidation reduce monthly EMI payments?<\/h3>\n<p>It can reduce the scheduled monthly payment in some cases, especially if the repayment period changes. A lower EMI does not by itself prove that the total borrowing cost is lower.<\/p>\n<h3>What should I do if I cannot afford my EMI this month?<\/h3>\n<p>Contact the relevant lender or financial institution as early as possible and ask what options are available under your agreement. Avoid assuming that another short-term loan is the only solution.<\/p>\n<h3>How can I manage multiple EMIs with one salary?<\/h3>\n<p>List every repayment, align the payment calendar with your income cycle, protect money for essential expenses, and review the cost and terms of each debt before considering restructuring or consolidation.<\/p>\n<h3>What is a good EMI-to-income ratio?<\/h3>\n<p>There is no single ratio that applies to every borrower or lender. Your repayment capacity depends on income stability, essential expenses, other liabilities and the terms of your loans.<\/p>\n<h3>Can EMI overload affect my credit score?<\/h3>\n<p>EMI overload itself is not a credit-bureau event. Missed or late repayments can affect your credit history; the <a href=\"https:\/\/www.rbi.org.in\/\" target=\"_blank\" rel=\"noopener noreferrer\">Reserve Bank of India<\/a> publishes the regulatory framework governing credit information reporting. Cash-flow problems should be addressed before they result in missed payments.<\/p>\n<p><!--FAQ_SECTION_END--><\/p>\n<p>This article is for informational purposes only and is not financial, investment or tax advice. Consult a qualified financial professional before making a borrowing, refinancing or debt-repayment decision.<\/p>\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<ol class=\"rank-math-list \">\n<li id=\"faq-question-1790158120678\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is EMI overload?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>EMI overload occurs when combined monthly debt repayments leave too little cash for essential expenses, savings and unexpected costs.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120679\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I reduce my EMI burden?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can review spending, prioritise expensive debt, discuss repayment changes with lenders, consider eligible prepayments, or compare consolidation and refinancing options. Each option has different costs and eligibility conditions.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120680\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How many EMIs are too many?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There is no universal number. The more useful measure is whether the combined repayments fit comfortably alongside essential expenses, savings and a reasonable cash buffer.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120681\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Should I take another loan to pay my EMIs?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Taking new credit to pay existing EMIs can increase your total obligations. Compare the new loan\u2019s complete cost and repayment period with the debts it would replace before proceeding.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120682\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can debt consolidation reduce monthly EMI payments?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It can reduce the scheduled monthly payment in some cases, especially if the repayment period changes. A lower EMI does not by itself prove that the total borrowing cost is lower.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120683\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What should I do if I cannot afford my EMI this month?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Contact the relevant lender or financial institution as early as possible and ask what options are available under your agreement. Avoid assuming that another short-term loan is the only solution.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120684\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does reducing EMI always reduce total interest?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No. A lower monthly payment can result from a longer tenure, which may increase the total interest paid even though monthly cash flow improves.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120685\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I manage multiple EMIs with one salary?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>List every repayment, align the payment calendar with your income cycle, protect money for essential expenses, and review the cost and terms of each debt before considering restructuring or consolidation.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120686\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is a good EMI-to-income ratio?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There is no single ratio that applies to every borrower or lender. Your repayment capacity depends on income stability, essential expenses, other liabilities and the terms of your loans.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1790158120687\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can EMI overload affect my credit score?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>EMI overload itself is not a credit-bureau event. Missed or late repayments can affect your credit history, so cash-flow problems should be addressed before they result in missed payments.<\/p>\n\n<\/div>\n<\/li>\n<\/ol>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Too many EMIs can suffocate your monthly budget. Here\u2019s how Indian borrowers can manage EMI overload without sacrificing essentials.<\/p>\n","protected":false},"author":2,"featured_media":1010,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_title":"How to Stop EMI Overload: Manage Multiple EMIs in India","rank_math_description":"Learn how to manage EMI overload, calculate your total debt burden, reduce monthly pressure, and compare restructuring, prepayment, and consolidation.","rank_math_focus_keyword":"EMI overload","rank_math_primary_category":1939},"categories":[1939],"tags":[1941],"class_list":["post-13014","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-wellness","tag-how-to-stop-emi-overload"],"_links":{"self":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts\/13014","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/comments?post=13014"}],"version-history":[{"count":3,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts\/13014\/revisions"}],"predecessor-version":[{"id":15751,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/posts\/13014\/revisions\/15751"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/media\/1010"}],"wp:attachment":[{"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/media?parent=13014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/categories?post=13014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.billcut.com\/blogs\/wp-json\/wp\/v2\/tags?post=13014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}