Flat Vs Reducing Rate Calculator — Flat 10% Asal Me Kitna Hai
Showroom me bike ka kagaz saamne rakha jaata hai. Upar mota-mota EMI likha hota hai, aur neeche chhote akshar me — 10% flat. Salesman kehta hai, bank se bhi sasta hai sir. Baat sach lagti hai, kyunki bank bhi to 10-11% hi bolte hain.
Neeche loan ki rakam, flat rate aur saal daaliye. Asli reducing rate kya baithta hai, ye turant dikh jayega.
Do tarike, ek hi loan, alag natija
Antar ek hi baat me hai — byaj kis rakam par ginte hain.
- Flat rate — byaj poori loan rakam par lagta hai, poore samay tak. Aapne aadha loan chuka diya, tab bhi byaj poore 2 lakh par hi lagta rehta hai.
- Reducing balance — byaj sirf bache hue balance par lagta hai. Jaise jaise EMI se principal ghatta hai, byaj bhi ghatta jaata hai.
| Flat rate bataya | Asli reducing rate (3 saal par) |
|---|---|
| 6% | Lagbhag 11.1% |
| 8% | Lagbhag 14.6% |
| 10% | Lagbhag 18.0% |
| 12% | Lagbhag 21.3% |
| 14% | Lagbhag 24.5% |
Ek hi loan ka poora hisaab, dono tarike se
2 lakh ka loan, 3 saal, aur do alag tarike — number saaf bol dete hain.
| Baat | Flat 10% | Reducing 10% |
|---|---|---|
| Kul byaj | ₹60,000 | ₹32,270 |
| EMI | ₹7,222 | ₹6,452 |
| Kul chukana | ₹2,60,000 | ₹2,32,270 |
| Antar | Lagbhag ₹27,700 zyada | |
Dono jagah 10% hi likha hai. Kagaz par kuch galat nahi. Par flat wale me aap lagbhag 28,000 zyada de rahe hain — ek chhoti bike ki down payment jitna.
Isliye jab bhi koi rate batae, pehla sawaal yahi hona chahiye — ye flat hai ya reducing? Sirf ek sawaal, aur poori tasveer badal jaati hai.
Flat rate kahan-kahan milta hai
Flat rate galat nahi hai, chhupaana galat hai. Kuch jagah ye aam hai.
- Dukaan par bike, mobile ya electronics ka consumer loan
- Chhoti NBFC aur local financier
- Kuch gold loan ke chhote scheme
- Purane zamane ka vyaktigat udhaar — sainkda wala hisaab
Bank ka personal loan, home loan aur car loan aam taur par reducing balance par hi hota hai. RBI ke niyam ke hisaab se aapko Key Fact Statement dena zaroori hota hai, jisme annual percentage rate likha hota hai. Wahi asli number hai — usme processing fee aur doosre kharch bhi jud jaate hain.
Dukaan par kya poochna hai
Showroom me EMI ka number sabse pehle bataya jaata hai. Wo sabse kam kaam ki jaankari hai. Chaar sawaal poochiye, jawab likhwa lijiye.
- Rate flat hai ya reducing? Reducing me kitna baithta hai?
- Processing fee, documentation charge aur insurance milakar kul kitna?
- Kul kitna chukana padega — sirf ye ek number.
- Pehle chuka dun to foreclosure charge kitna?
Chautha sawaal sabse zyada paisa bachata hai. Kai flat rate wale loan me pehle chukane par bhi poora byaj lena tay hota hai — kyunki byaj shuru me hi jod diya gaya tha. Yaani jaldi chukane ka koi faayda hi nahi milta.
Bache hue loan ko jaldi khatam karne par kitna bachega, ye Loan Foreclosure Calculator me dekh lijiye.
No cost EMI ka ganit
No cost EMI me byaj gaayab nahi hota — wo keemat me chhup jaata hai. Do tarah se hota hai.
| Tarika | Kya hota hai |
|---|---|
| Discount hata dena | Nakad par jo 3,000 ki chhoot milti, EMI par nahi milti |
| Byaj pehle jod dena | Keemat me byaj shaamil, phir 0% dikhaya jaata hai |
Jaanchne ka ek seedha tarika hai: dukaandaar se poochiye ki nakad me poora paisa dene par kitne me denge. Agar wo keemat EMI wali se kam hai, to antar hi aapka chhupa hua byaj hai. Uspar GST bhi lagta hai, jo alag se judta hai.
Kai baar antar sach me bahut kam hota hai aur EMI theek sauda ban jaata hai. Baat sirf itni hai ki faisla number dekh kar ho, naam dekh kar nahi.
Apni EMI ka saaf hisaab EMI Calculator me aur byaj dar peeche se nikaalni ho to EMI Se Byaj Dar Calculator me dekh lijiye.
Ek nazar me — paisa kahan ja raha hai
Do stambh, ek hi loan — 2 lakh, 3 saal. Sirf byaj ginne ka tarika alag.
Dono jagah kagaz par 10% hi likha hai. Bas ek me byaj poore 2 lakh par teen saal chalta hai, doosre me ghatte hue balance par. Isi ek antar ka naam lagbhag ₹28,000 hai.
Jo galtiyan sabse zyada dikhti hain
Ye wo cheezein hain jo baad me pata chalti hain, aur tab tak kagaz par dastakhat ho chuke hote hain.
- Sirf EMI dekhna. EMI chhoti karne ke liye samay badha diya jaata hai, aur kul byaj chupchaap do guna ho jaata hai. Poochne wala number EMI nahi, kul kitna chukana hai hona chahiye.
- Rate ka prakaar na poochna. Ek hi sawaal — flat hai ya reducing — poori tasveer badal deta hai, aur wo aksar poocha hi nahi jaata.
- Fee ko chhota maan lena. Processing fee, file charge aur insurance milakar rakam aksar 4-6 hazaar baith jaati hai. Ye sab loan me hi jud jaate hain, yaani inpar bhi byaj lagta hai.
- Jaldi chukane ka mansooba banana. Flat loan me byaj shuru me hi jod diya gaya hota hai. Pehle chuka dene par bhi poora byaj lena tay ho sakta hai — yaani jaldi chukane ka koi faayda nahi bachta.
Aksar pooche jaane wale sawaal
Flat rate aur reducing rate me kya farak hai?
Flat me byaj poori loan rakam par poore samay lagta hai. Reducing me sirf bache hue balance par lagta hai. Isi wajah se flat 10% asal me lagbhag 18% ke barabar baithta hai.
Flat rate ko reducing me kaise badlein?
Mota andaza ye hai ki flat rate ko lagbhag do guna kar dijiye. Theek number ke liye upar wala calculator EMI se asli rate peeche se nikaal deta hai.
Kya flat rate gair-kanooni hai?
Nahi. Ye galat nahi, bas mehnga hai. Dikkat tab hoti hai jab ise reducing rate jaisa dikhakar becha jaye.
Bank ka personal loan flat hota hai ya reducing?
Aam taur par reducing balance par. Key Fact Statement me annual percentage rate likha hota hai, aur wahi asli tulna ka number hai.
No cost EMI me sach me koi kharch nahi hota?
Byaj keemat me chhupa hota hai. Nakad me poora paisa dene par jo keemat milti, uska antar hi asli kharch hai, aur uspar GST bhi lag sakta hai.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: