Interest Bachane Ka Ninja Technique
Agar aapne home loan liya hai, toh aapko pata hoga total repayment amount double tak ho jata hai. Prepayment yani beech beech mein extra EMI dene se aap lakho bacha sakte hain.
Real Example: Vikas Ka 20 Lakh Bachana
Vikas ka 50 Lakh ka loan 20 saal ka tha. Usne har saal ek extra EMI pay karni shuru ki. Hamare tool ne bataya ki uska loan 4 saal pehle khatam hoga aur wo ₹18 Lakh bacha lega.
Calculator Use Kaise Karein?
Loan amount, interest rate, EMI aur kitna extra pay karna chahte hain (lumpsum ya monthly) daalein.
Practical Tips
Jab bhi bonus mile, usko loan part-payment mein daal dein.
FAQs
1. Kya banks prepayment penalty lagati hain?
Floating rate home loans par RBI ne penalty ban kar di hai.
2. Tenure kam karna behtar hai ya EMI?
Tenure kam karne mein interest jyada bachta hai.
3. Kya car loan bhi calculate kar sakte hain?
Haan, bas tenure aur interest daalein.