Loan Prepayment Calculator
Bonus mila ya kahin se ek saath paisa aaya — sawaal ye ki loan me daal dein ya nivesh karein. Ye calculator batata hai ki ek baar extra rakam bharne se kitna byaj bachega aur loan kitne mahine pehle khatam ho jaayega.
Calculator
Kaise banta hai
Loan me har EMI ka do hissa hota hai — byaj aur mool. Shuruaati saalon me zyadatar hissa byaj ka hota hai. Jab aap extra paisa bharte hain to wo poora ka poora mool me katta hai. Mool ghatte hi us par lagne wala aage ka saara byaj bhi khatm ho jaata hai. Isi wajah se shuru ke saalon me kiya gaya prepayment sabse zyada bachaata hai.
Prepay ke baad bacha mool par wahi EMI chalti hai, isliye mahine kam ho jaate hain
Teen asli misaal — number ke saath
Misaal 1 — chhota prepayment. ₹7,00,000 loan, 12% byaj, 5 saal. EMI ₹15,571. Ek baar ₹30,000 bharne par lagbhag ₹23,817 byaj bachta hai aur loan kareeb 3 mahine pehle khatam ho jaata hai.
Misaal 2 — bada home loan. ₹40 lakh, 8.5%, 20 saal. EMI lagbhag ₹34,713. 2 saal baad ₹5 lakh prepay karne par kul byaj me kareeb ₹12 lakh ki bachat hoti hai.
Misaal 3 — samay ka asar. Wahi ₹5 lakh agar 12ve saal me bharein to bachat lagbhag ₹3.5 lakh hi reh jaati hai. Yahi wajah hai ki prepayment jitna jaldi ho, utna behtar.
Log yahan galti kya karte hain
- EMI ghatana chun lena. Prepayment ke baad bank do vikalp dete hain — EMI ghata dein ya avadhi. Avadhi ghatane me byaj ki bachat kai guna zyada hoti hai.
- Emergency fund khatam kar dena. Saara paisa loan me daal dena khatarnak hai. Pehle 4-6 mahine ka kharcha alag rakhein.
- Tax chhoot bhool jaana. Old Regime me home loan ke byaj par chhoot milti hai. Poora prepay karne se wo chhoot bhi chali jaati hai — hisaab lagakar dekhein.
- Penalty na poochhna. Floating rate wale home loan par aam taur par charge nahi lagta, par fixed rate aur kuch personal loan par lag sakta hai. Pehle poochh lein.
- Likhit confirmation na lena. Prepayment ke baad naya amortization schedule aur updated statement zaroor lein.
Bharat me khaas baatein
- Floating home loan: RBI ke niyam ke mutabik individual borrower ke floating rate loan par aam taur par prepayment charge nahi lagta.
- Fixed rate: Ispar charge lag sakta hai — agreement dekh lein.
- Kaunsa loan pehle: Sabse oonchi byaj dar wala pehle — aam taur par credit card, phir personal loan, phir home loan.
- Nivesh vs prepay: Loan 8.5% ka hai aur nivesh se 12% mil raha hai to nivesh behtar lag sakta hai — par prepay ka return pakka hai.
- Statement: Har prepayment ke baad bank se likhit me updated schedule lein.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
Prepayment se sabse zyada faayda kab hota hai?
Loan ke shuruaati saalon me, kyunki tab EMI ka zyadatar hissa byaj hota hai.
EMI ghataayein ya avadhi?
Avadhi ghatana lagbhag hamesha zyada byaj bachaata hai.
Kya prepayment par charge lagta hai?
Individual ke floating home loan par aam taur par nahi. Fixed rate aur kuch loan par lag sakta hai.
Thoda-thoda prepay karein ya ek saath?
Dono chalte hain. Saal me ek extra EMI bhi kaafi asar dikhati hai.
Prepay karun ya nivesh?
Byaj dar aur anumanit return ki tulna karein, aur ye bhi dekhein ki aapko pakka return chahiye ya risk le sakte hain.