Jab aap gaari, ghar ya personal loan lete hain, to bank har mahine ek jaisi qist leta hai. Isey EMI (Equated Monthly Instalment) kehte hain. Is qist mein kuch hissa asal raqam ka hota hai aur kuch interest ka.
EMI ka formula
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1)
- P: loan ki raqam
- r: saalana interest rate ÷ 12 (mahana rate)
- n: kitne mahine
Misaal
Rs 15,00,000 ka loan, 15% saalana interest, 3 saal (36 mahine) ke liye:
- Mahana qist: taqreeban Rs 51,998
- Kul wapsi: taqreeban Rs 18,71,928
- Sirf interest: taqreeban Rs 3,71,928
Muddat ka asar
| Muddat | Mahana qist | Kul interest |
|---|---|---|
| 1 saal | Rs 1,35,387 | Rs 1,24,650 |
| 3 saal | Rs 51,998 | Rs 3,71,928 |
| 5 saal | Rs 35,685 | Rs 6,41,094 |
Lambi muddat mein qist chhoti lagti hai, lekin kul interest kahin zyada ban jata hai.
Interest kam karne ke tareeqe
- Utni chhoti muddat chunein jitni qist aap aaraam se de sakein.
- Loan ke shuru mein extra payment karein, us waqt sab se zyada interest bachta hai.
- Sirf rate nahi, processing fee aur insurance mila kar kul kharcha compare karein.
Want the exact figure for your case?
Apni EMI calculate karein