Ghar ka loan ho, car ka installment ho ya personal qarz — EMI (Equated Monthly Instalment) woh fixed raqam hai jo har mahine bank ya NBFI ko deni hoti hai. Is ko samajh lena zaroori hai taake pata chale ke kul kitna ada karna padega aur konsa option behtar hai.
EMI Ka Formula
EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)
Jahan:
- P = qarz ki raqam (principal)
- r = monthly interest rate (annual rate ÷ 12 ÷ 100)
- n = total mahinon ki tadaad
Misaal Hisaab
Rs 5 lakh qarz, 12% saalana interest, 2 saal (24 mahine):
- r = 12 ÷ 12 ÷ 100 = 0.01
- n = 24
- EMI ≈ Rs 23,537 per month
- Total ada = 23,537 × 24 = Rs 565,000 approx
- Total interest = Rs 65,000 approx
Tenure Badalne Ka Asar — Rs 5 Lakh, 12%
| Tenure | Monthly EMI | Total interest |
|---|---|---|
| 1 saal | Rs 44,424 | Rs 33,088 |
| 2 saal | Rs 23,537 | Rs 64,888 |
| 3 saal | Rs 16,607 | Rs 97,852 |
| 5 saal | Rs 11,122 | Rs 1,67,320 |
Daikhen ke 5 saal mein EMI taqreeban aadhi hoti hai — lekin total interest 5 guna se bhi zyada ho jata hai.
Interest Rate Ka Asar — Rs 5 Lakh, 3 Saal
| Annual Interest | Monthly EMI | Total interest |
|---|---|---|
| 10% | Rs 16,134 | Rs 80,816 |
| 12% | Rs 16,607 | Rs 97,852 |
| 16% | Rs 17,578 | Rs 1,32,808 |
| 20% | Rs 18,573 | Rs 1,68,628 |
Sirf 4% ka farq Rs 85,000 se zyada extra sood banta hai.
EMI Calculator Istemal Karein
Loan Calculator mein aap koi bhi amount, rate aur tenure daal kar ek second mein EMI dekh sakte hain. Is se alag alag options compare karna bhi aasaan ho jata hai. Loan ke sood aur asal raqam ke baare mein mazeed simple interest vs compound interest mein parh sakte hain.
Jald Ada Karne Ka Faida
Agar kabhi extra raqam aa jaye, to usse principal par laga dein. Is se outstanding balance kam hoga, aur aglay mahinon ka interest bhi is naye (cham) balance par calculate hoga — na ke pehle waly par. Chhota sa jaldi payment bhi long-term mein acha fark dalta hai. Misaal: Rs 5 lakh qarz mein ek dafa Rs 50,000 jald ada kar dein, to tenure bhi chhota ho sakta hai aur total interest bhi. Bank se puchhein ke koi prepayment penalty to nahi hai.
Bank se Qarz Lene Se Pehle
Loan Calculator mein alag alag banks ke rates aur tenure compare kar sakte hain. Kai log sirf monthly EMI dekhte hain — lekin total interest ka hisaab lagana zaroori hai. Rs 2 lakh ka farq sirf interest mein ho sakta hai ek choti si rate difference se. Calculator mein do options side by side calculate karein phir decision karein.
