Alag-alag interest rates par ₹4 lakh ki 2 saal ki EMI
| Interest rate (saalana) | Monthly EMI | Kul byaaj | Kul payment |
|---|---|---|---|
| 10% | ₹18,458 | ₹42,991 | ₹4,42,991 |
| 12% | ₹18,829 | ₹51,905 | ₹4,51,905 |
| 14% | ₹19,205 | ₹60,924 | ₹4,60,924 |
| 16% | ₹19,585 | ₹70,046 | ₹4,70,046 |
| 18% | ₹19,970 | ₹79,271 | ₹4,79,271 |
| 20% | ₹20,358 | ₹88,600 | ₹4,88,600 |
| 22% | ₹20,751 | ₹98,030 | ₹4,98,030 |
| 24% | ₹21,148 | ₹1,07,563 | ₹5,07,563 |
Yeh reducing balance formula se nikaali gayi hai. Rates sirf comparison ke liye hain, kisi lender ka offer nahi; processing fee aur GST alag se lagte hain aur lender ke Key Fact Statement mein dikhte hain.
14% par mahine-dar-mahine repayment
| Mahina | Chukaya principal | Chukaya byaaj | Bacha bakaya |
|---|---|---|---|
| Mahina 1 | ₹14,538 | ₹4,667 | ₹3,85,462 |
| Mahina 2 | ₹14,708 | ₹4,497 | ₹3,70,753 |
| Mahina 3 | ₹14,880 | ₹4,325 | ₹3,55,874 |
| Mahina 4 | ₹15,053 | ₹4,152 | ₹3,40,820 |
| Mahina 5 | ₹15,229 | ₹3,976 | ₹3,25,592 |
| Mahina 6 | ₹15,407 | ₹3,799 | ₹3,10,185 |
| Mahina 7 | ₹15,586 | ₹3,619 | ₹2,94,599 |
| Mahina 8 | ₹15,768 | ₹3,437 | ₹2,78,830 |
| Mahina 9 | ₹15,952 | ₹3,253 | ₹2,62,878 |
| Mahina 10 | ₹16,138 | ₹3,067 | ₹2,46,740 |
| Mahina 11 | ₹16,327 | ₹2,879 | ₹2,30,414 |
| Mahina 12 | ₹16,517 | ₹2,688 | ₹2,13,897 |
| Mahina 13 | ₹16,710 | ₹2,495 | ₹1,97,187 |
| Mahina 14 | ₹16,905 | ₹2,301 | ₹1,80,282 |
| Mahina 15 | ₹17,102 | ₹2,103 | ₹1,63,180 |
| Mahina 16 | ₹17,301 | ₹1,904 | ₹1,45,879 |
| Mahina 17 | ₹17,503 | ₹1,702 | ₹1,28,376 |
| Mahina 18 | ₹17,707 | ₹1,498 | ₹1,10,668 |
| Mahina 19 | ₹17,914 | ₹1,291 | ₹92,754 |
| Mahina 20 | ₹18,123 | ₹1,082 | ₹74,631 |
| Mahina 21 | ₹18,334 | ₹871 | ₹56,297 |
| Mahina 22 | ₹18,548 | ₹657 | ₹37,748 |
| Mahina 23 | ₹18,765 | ₹440 | ₹18,984 |
| Mahina 24 | ₹18,984 | ₹221 | ₹0 |
Byaaj bache hue bakaye par lagta hai, isliye shuruaati EMIs mein zyadatar byaaj aur baad ki EMIs mein zyadatar principal hota hai: pehle hisse ka byaaj lagbhag ₹4,667 aur aakhri ka lagbhag ₹221. Aadha loan lagbhag Mahina 13 tak chuk jaata hai. Tenure ki shuruaat mein part-prepayment se sabse zyada byaaj bachta hai.
₹4 lakh doosre tenures mein
| Tenure | Monthly EMI | Kul byaaj |
|---|---|---|
| 1 saal | ₹35,915 | ₹30,978 |
| 2 saal | ₹19,205 | ₹60,924 |
| 3 saal | ₹13,671 | ₹92,158 |
| 4 saal | ₹10,931 | ₹1,24,668 |
| 5 saal | ₹9,307 | ₹1,58,438 |
| 7 saal | ₹7,496 | ₹2,29,664 |
1 saal chunne se EMI badhti hai, lekin lagbhag ₹29,946 byaaj bachta hai. 3 saal karne se EMI ghatti hai, lekin lagbhag ₹31,234 byaaj badh jaata hai.
2 saal ke liye aas-paas ki amounts
| Loan amount | Monthly EMI | Kul byaaj |
|---|---|---|
| ₹2.5 lakh | ₹12,003 | ₹38,077 |
| ₹3 lakh | ₹14,404 | ₹45,693 |
| ₹4 lakh | ₹19,205 | ₹60,924 |
| ₹5 lakh | ₹24,006 | ₹76,155 |
| ₹6 lakh | ₹28,808 | ₹91,386 |
Is EMI ke liye kitni income chahiye?
Kai lenders chahte hain ki aapki saari EMIs monthly take-home income ke lagbhag aadhe ke andar rahein. Koi aur EMI na ho to ₹19,205 ki EMI lagbhag ₹39,000 mahina ki income ke aadhe mein fit hoti hai. Lenders apni minimum income bhi tay karte hain, jo aksar isse zyada hoti hai, aur CIBIL score aur banking bhi dekhte hain — ise mota andaaza maanein, vaada nahi.
Is loan par kam kaise chukayein
- Offers ko sirf interest rate par nahi, Key Fact Statement mein likhe APR par compare karein.
- Dekhein ki rate reducing hai, flat nahi — flat rate kahin zyada mehenga padta hai.
- Sabse chhota tenure chunein jiski EMI har mahine aaram se bhar sakein.
- Jab ho sake prepayment karein — shuruaati prepayment se sabse zyada byaaj bachta hai. Pehle prepayment charge dekh lein.
- CIBIL score achha rakhein — behtar score par aam taur par behtar rate milta hai.