Education Loan Calculator — Padhai Ka Loan

Education loan ki sabse badi khaasiyat hai moratorium — padhai ke dauraan EMI nahi deni padti. Par usi me ek pech bhi hai. Neeche loan, byaj, moratorium aur repayment ke mahine daaliye.

Moratorium — raahat aur uska pech

Education loan me course ke poore samay aur uske baad aam taur par 6 mahine tak EMI nahi deni padti. Isse moratorium ya holiday period kehte hain.

Par yahan wo baat hai jo bank pehle se saaf nahi bataata — EMI nahi lagti, par byaj chalta rehta hai. Aur wo byaj mool dhan me judta jaata hai.

Iska hal: agar parivaar moratorium ke dauraan sirf byaj bhar sake, to mool dhan wahi rehta hai. Ye chhoti rakam hoti hai (upar wale case me lagbhag ₹6,600 mahina) par poore loan ka bojh lakhon me kam kar deti hai. Kai bank isme thodi chhoot bhi dete hain.

80E — wo chhoot jo bahut log chhod dete hain

Education loan ka byaj Section 80E ke tahat tax me chhoot deta hai. Aur is chhoot ki teen baatein khaas hain:

• Byaj par koi upar ki seema nahi hai. Jitna byaj bhara, utna claim. 80C ki tarah 1.5 lakh ki limit nahi.
• 8 saal tak milti hai — EMI shuru hone wale saal se.
• Loan lene wale ko milti hai — chahe wo student ho ya maata-pita ya jeevansaathi, jisne loan liya aur byaj bhara.

Har saal bank se byaj ka certificate le lijiye — ITR bharte waqt wahi lagta hai. Bahut se log ye maangte hi nahi aur chhoot chhoot jaati hai.

Loan lene se pehle ye dekh lijiye

• Collateral chahiye ya nahi. Ek tay rakam tak ke loan par aam taur par koi security nahi maangi jaati. Usse upar property ya FD girvi rakhni pad sakti hai.
• Co-applicant zaroori hota hai — aam taur par maata-pita. Unka credit score bhi dekha jaata hai.
• Sarkari bank ka byaj aam taur par kam hota hai private se. Do-teen jagah rate poochiye.
• Ladkiyon ke liye kai bank byaj me chhoot dete hain — aksar 0.5%. Ye poochne par hi milti hai.
• Kuch sarkari yojanaon me byaj par subsidy milti hai, aay ki seema ke saath. Bank se poochiye, wo khud nahi bataata.
• Processing fee aur bima — kai bank loan ke saath bima jodte hain. Zaroori hai ya nahi, ye poochiye.

Padhai ke baad — chukane ki asli baat

Naukri lagte hi ek kaam zaroor kijiye — bank ko bataiye aur EMI shuru kar dijiye. Kai log moratorium khatam hone ka intezaar karte hain; utne mahine ka byaj bekaar me badhta rehta hai.

Prepayment par aam taur par koi charge nahi lagta education loan me. Isliye jab bhi extra paisa aaye — bonus, incentive, ya koi arrear — to seedha loan me daal dijiye. Ye kul byaj bahut kam kar deta hai. Asar Loan Prepayment Calculator me dekhiye.

Par ek santulan rakhiye: poora paisa loan me mat daaliye. Education loan ka byaj personal loan se kaafi kam hota hai, aur uspar 80E ki chhoot bhi milti hai. Isliye pehle emergency fund banaiye, phir prepayment kariye.

Default hone par credit score itna girta hai ki agle kai saal home loan tak mushkil ho jaata hai — aur co-applicant (aksar maata-pita) ka score bhi saath me girta hai. Credit Score Guide dekh lijiye.

Aksar pooche jaane wale sawaal