Loan Foreclosure Calculator — Loan Jaldi Band Karein To Kitna Bachega
Bonus aaya hai. Khaate me 4 lakh pade hain. Home loan ka statement kholte hain to dikhta hai — bakaya 18 lakh, 11 saal bache. Mann me ek hi sawaal aata hai: ye paisa loan me daal dun, ya kahin lagaun?
Neeche bakaya rakam, rate, bacha hua samay aur foreclosure charge daaliye. Kitna byaj bachega, saaf dikh jayega.
Foreclosure ka return kitna hota hai
Loan chukana kharch lagta hai, par asal me ye ek nivesh hai — aur uska return bilkul tay hota hai. Aap jo byaj nahi de rahe, wahi aapki kamai hai.
| Kahan paisa | Return | 30% slab ke baad haath me |
|---|---|---|
| Bank FD | 6.8% | Lagbhag 4.8% |
| Debt fund | 7.2% | Slab par tax, lagbhag 5% |
| 9% wala loan chukana | 9% | Poora 9%, ispar tax nahi |
Teesri line hi poori kahani hai. Bachaya hua byaj aay nahi maana jaata, isliye uspar koi tax nahi lagta. Yahi wajah hai ki mehnge loan ko chukana zyadatar surakshit nivesh se aage rehta hai.
Samay sabse zyada maayne rakhta hai
Wahi 4 lakh loan me daalne ka asar poori tarah is baat par nirbhar hai ki loan ke kitne saal bache hain.
EMI ke shuruaati saalon me lagbhag poora paisa byaj me jaata hai aur principal bahut dheere ghatta hai. Aakhri saalon me ulta hota hai. Isliye ek hi rakam se shuru me bachat kai guna zyada hoti hai.
| 25 lakh, 9%, 20 saal ka loan | 4 lakh daalne par byaj ki bachat |
|---|---|
| Pehle saal me | Lagbhag ₹9.6 lakh |
| 5ve saal me | Lagbhag ₹6.4 lakh |
| 10ve saal me | Lagbhag ₹3.4 lakh |
| 15ve saal me | Lagbhag ₹1.3 lakh |
Yahi wajah hai ki chhoti-chhoti rakam shuru ke saalon me daalna sabse zyada kaam karta hai. Har saal ek EMI extra daal dena bhi lambe samay me kai saal ghata deta hai.
Charge lagega ya nahi — niyam saaf hai
Ye sabse zyada poocha jaane wala sawaal hai, aur iska jawab loan ke prakaar par nirbhar karta hai.
| Loan ka prakaar | Foreclosure charge |
|---|---|
| Floating rate, vyaktigat kaam ke liye | Aam taur par nahi lagta |
| Fixed rate wala loan | Lag sakta hai |
| Vyapaar ke naam par liya loan | Niyam alag ho sakte hain |
| Card ki EMI | Charge aur uspar GST dono |
Ek baat aur jo kam log jaante hain: bank aksar ek saal me kitni rakam bina charge ke pehle chukayi ja sakti hai, iski seema rakhte hain. Ye sanction letter me likha hota hai. Us seema ke andar rehkar har saal thoda-thoda chukana aksar poora foreclosure karne se sasta padta hai.
Loan chukane se pehle ye do kaam
Bada paisa loan me daalne se pehle do cheezein poori honi chahiye. In dono ke bina foreclosure faayde ki jagah dikkat ban jaata hai.
- Emergency fund — 6 mahine ke kharch alag pade hone chahiye. Loan chukane ke baad wo paisa wapas nahi milta. Naukri chhooti aur haath khaali — phir wahi paisa 14% wale personal loan se lena padta hai.
- Health insurance — ek ilaaj poori bachat kha jaata hai.
Ye dono ho chuke hon, tab bacha hua paisa loan me daalna lagbhag hamesha sahi faisla hota hai — khaas kar mehnge loan me.
Apna emergency fund kitna hona chahiye, ye Emergency Fund Calculator me dekh lijiye.
Ek nazar me — kaunsa loan pehle chukayein
Ek se zyada loan chal rahe hon to kram saaf hai — sabse mehnga pehle, chahe uski rakam chhoti ho.
Home loan sabse aakhir me aata hai, aur iski do wajah hain. Uska rate sabse kam hota hai, aur uspar tax me chhoot bhi milti hai. Isliye home loan ko jaldi khatam karne ki hod me lagne se pehle baaki sab dekh lena chahiye.
Ek baat jo aksar chhoot jaati hai — purane tax regime me home loan ke byaj par milne wali chhoot loan ki asli lagat ko aur kam kar deti hai. Naye regime me ye chhoot nahi milti, isliye wahan home loan chukana pehle se zyada faayde ka ho jaata hai.
Jo galtiyan sabse zyada dikhti hain
Foreclosure me nuksan faisle se nahi, in chhoti baaton se hota hai.
- Emergency fund tod kar loan chukana. Ye sabse aam aur sabse mehngi galti hai.
- Sasta loan pehle chukana. Home loan 8.5% par hai aur card ka bakaya 40% par — phir bhi log home loan me paisa daalte hain, kyunki wo rakam badi dikhti hai.
- Kagaz na lena. Loan band hone ke baad No Dues Certificate, asli property document aur bank ka statement lena zaroori hai.
- Registry me entry na hataana. Home loan khatam hone par registry office me mortgage hatane ki entry karwana zaroori hai. Ye 15 saal baad property bechte waqt hi yaad aata hai, aur tab dikkat badi hoti hai.
- Credit report na dekhna. Loan band hone ke 30-45 din baad report me closed dikhna chahiye. Nahi dikhe to likhkar shikayat kijiye.
Aksar pooche jaane wale sawaal
Loan chukane par kitna return maana jaye?
Aapke loan ke byaj dar ke barabar, aur wo bhi tax-free. 9% wala loan chukana 9% pakka bachaane ke barabar hai, jo 30% slab wale ke liye FD ke lagbhag 13% jaisa baithta hai.
Foreclosure charge lagta hai?
Floating rate wale vyaktigat loan par aam taur par nahi lagta. Fixed rate wale me lag sakta hai. Sanction letter me ye baat likhi hoti hai.
Kaunsa loan pehle chukana chahiye?
Jiska byaj sabse zyada ho — chahe uski rakam chhoti ho. Credit card, phir personal loan, phir car loan, aur sabse aakhir me home loan.
Emergency fund tod kar loan chukana theek hai?
Nahi. Loan me daala gaya paisa wapas nahi milta. Zaroorat padne par wahi rakam kahin zyada mehnge loan se leni padti hai.
Loan band hone ke baad kya-kya lena chahiye?
No Dues Certificate, asli property document ki rasid, aur bank ka aakhri statement. Home loan me registry office se mortgage hatane ki entry bhi karwani chahiye.
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: