Upar ke calculator mein loan amount, saalana interest rate aur tenure (mahino mein) badal kar dekhein — monthly EMI, kul byaaj aur kul payment turant badalte hain.
EMI kaise nikalti hai
P loan amount, r monthly interest rate (saalana rate ÷ 12 ÷ 100) aur n mahino ki sankhya hai. Yahi reducing balance tareeka hai — har mahine byaaj sirf bache hue principal par lagta hai.
Example
| Amount | Interest rate | Tenure | EMI (lagbhag) | Kul byaaj (lagbhag) |
|---|---|---|---|---|
| ₹1,00,000 | 16% | 24 mahine | ₹4,896 | ₹17,511 |
| ₹3,00,000 | 14% | 36 mahine | ₹10,253 | ₹69,118 |
| ₹5,00,000 | 12% | 36 mahine | ₹16,607 | ₹97,858 |
Yeh rates sirf example hain, kisi lender ka offer nahi. Aapka rate aapki profile par depend karta hai.
Sahi EMI kaise chunein
- Kul EMIs income ke aadhe se kaafi neeche rakhein — ghar ka kharcha, bachat aur emergency ke liye jagah bache.
- Tenure ka asar samjhein — lambe tenure mein EMI kam, par kul byaaj zyada.
- Fees jodein — processing fee aur GST bhi cost ka hissa hain; lender ke Key Fact Statement mein APR dekhein.
- EMI ki date salary ke baad rakhein taaki bounce na ho.
Vistaar se padhein: EMI kaise nikale. Apni eligibility ke liye eligibility ki shartein dekhein.