Loan Amortization Schedule
EMI to fix rehti hai, par shuru me zyada byaj jaata hai aur baad me zyada principal. Loan amount, rate aur saal daaliye — har saal kitna byaj aur kitna mool ghata, poora schedule dekh lijiye. Prepayment ka faisla isse aasaan ho jaata hai.
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Kaise banta hai
Har EMI ke do hisse hote hain — byaj aur principal (mool). Byaj bache hue loan par lagta hai, isliye shuru me loan bada hone se byaj zyada aur principal kam hota hai. Jaise-jaise loan ghatta hai, principal ka hissa badhta jaata hai.
P = loan, r = mahina byaj, n = kul mahine
Isi wajah se shuruaati saalon me prepayment sabse faydemand hota hai — us waqt zyada paisa byaj me jaa raha hota hai, jise aap bacha sakte hain.
Teen asli misaal — number ke saath
Misaal 1 — home loan. ₹25 lakh, 8.5%, 20 saal. EMI ~₹21,700. Pehle saal ka lagbhag ₹2.1 lakh byaj, sirf ~₹49,000 principal ghata.
Misaal 2 — beech ka saal. 10ve saal tak aate-aate principal aur byaj lagbhag barabar ho jaate hain.
Misaal 3 — aakhri saal. Aakhri saal me EMI ka bada hissa principal hota hai, byaj bahut kam — kyunki loan lagbhag khatam hai.
Log yahan galti kya karte hain
- Total byaj dekh kar ghabraana. 20 saal me byaj bada dikhta hai, par prepayment aur tenure kam karke ise ghata sakte hain.
- Shuru me prepay na karna. Sabse zyada bachat shuruaati saalon ke prepayment se hoti hai — tab byaj hissa sabse zyada hota hai.
- Floating rate bhoolna. Home loan aksar floating rate par hote hain — rate badalne par EMI/tenure badalta hai.
- Tax fayda na ginna. Home loan ke byaj (24b) aur principal (80C) par tax chhoot milti hai — net lagat kam ho jaati hai.
- Processing fee chhodna. Loan lene par processing fee aur insurance bhi lagta hai — asli lagat me jodein.
Bharat me khaas baatein
- Home loan: Byaj par 80C (principal) aur 24b (byaj ₹2 lakh tak) me tax chhoot — old regime me.
- Prepayment: Floating rate home loan par aksar koi prepayment charge nahi hota (RBI niyam).
- EMI vs tenure: Prepay karke tenure kam karna aksar EMI kam karne se zyada byaj bachata hai.
- Rate: 0.5% rate ka farak bhi 20 saal me lakhon ka farak la deta hai — rate mol-bhaav karein.
Thodi aur gehraai se
Amortization schedule dekhne ka sabse bada faayda ye hai ki aapko "prepayment kab karein" ka jawab mil jaata hai. Shuruaati saalon me EMI ka bada hissa byaj me jaa raha hota hai — 20 saal ke home loan me pehle saal ka 80-90% tak byaj ho sakta hai. Isi samay agar aap thoda extra prepay karte hain, to wo seedha principal ghata deta hai, jisse aage ka poora byaj bach jaata hai. Isliye bonus ya extra paisa aane par shuru ke saalon me prepay karna sabse zyada bachat deta hai.
Ek aur strategy jo kam log samajhte hain — "EMI kam karein ya tenure kam karein." Jab aap prepay karte hain, to bank aksar poochta hai ki EMI ghatani hai ya loan ki avadhi. Zyaadatar mamlon me tenure kam karna zyada byaj bachata hai, kyunki loan jaldi khatam hota hai. EMI kam karne se mahine ka bojh halka hota hai par total byaj utna nahi bachta. Home loan par ek aur bonus hai — byaj (Section 24b) aur principal (80C) dono par tax chhoot, jisse asli lagat aur kam ho jaati hai.
Isi tarah ke aur hisaab ke liye EMI Calculator aur Loan Prepayment bhi kaam ke hain — ek hi jagah se saara kaam nipat jaata hai.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
Amortization schedule kya hota hai?
Har EMI me kitna byaj aur kitna principal jaata hai, saal-dar-saal ka poora hisaab.
Shuru me byaj zyada kyun?
Byaj bache hue loan par lagta hai; shuru me loan bada hota hai, isliye byaj zyada.
Prepayment kab sabse faydemand?
Shuruaati saalon me, jab EMI ka bada hissa byaj me jaa raha hota hai.
EMI kyun nahi badalti?
EMI fix rehti hai (fixed rate par); sirf byaj-principal ka anupaat badalta hai.
Tax fayda milta hai?
Home loan par principal (80C) aur byaj (24b) dono par chhoot — old regime me.