📺 Video me samjho
Waqt kam hai? Ye chhota sa Short dekh lo — saal me 13 EMI bhar kar home loan 3.5 saal jaldi khatm karne ki poori trick ek minute me.
12 mahine me 13 EMI? Ye kaise possible hai?
💡 Tip: Prepayment Calculator par apni bachat khud check karo — free hai!
Pehle ye samjho: 13 EMI ka matlab 13 mahine nahi hai. Matlab hai — 12 mahine ke andar itna paisa bharna jitna 13 EMI me banta hai. Wo "extra" ek EMI seedha aapke loan ke principal me jati hai, aur principal kam hone se agle mahine ka interest bhi kam lagta hai. Ye compounding effect saalon me lakhon rupaye bacha deta hai.
Neeche 3 simple tarike hain — apni convenience ke hisab se koi ek chun lo. Asar lagbhag ek jaisa hai.
Tarika 1: Saal me ek baar extra EMI bharo (sabse simple)
Har saal ek baar — bonus, arrears, ya savings se — ek poori EMI extra prepayment ke roop me bhar do. Bas itna hi. Bank ko bolo ye amount principal me adjust kare.
Tarika 2: Bi-weekly payment (automatic 13 EMI)
Mahine me ek baar poori EMI dene ki jagah, har 2 hafte me aadhi EMI do. Saal me 52 hafte hote hain = 26 half-payments = 13 full EMI. Bina soche-samjhe, automatically ek extra EMI har saal chali jati hai.
Example (₹50L loan, EMI ₹43,391):
Normal: 12 × ₹43,391 = ₹5,20,694/saal
Bi-weekly: 26 × ₹21,696 = ₹5,64,086/saal
Fark: ₹43,391 = bilkul ek extra EMI. Magic nahi, bas calendar ka khel hai.
Tarika 3: Har mahine EMI ka 1/12 hissa extra jodo
Har mahine apni EMI ke saath uska 12wa hissa extra bhar do. ₹43,391 ki EMI hai to har mahine ₹3,616 extra (43,391 ÷ 12). 12 mahine me ye jod kar bilkul ek poori extra EMI ban jati hai — aur aapko ek saath bada amount nikalna bhi nahi padta.
Ye tarika un logon ke liye best hai jinki monthly savings thodi-thodi banti hai, lump sum nahi.
Real calculation: kitna fayda hota hai?
Baatein to bahut ho gayin, ab numbers dekhte hain. Example: ₹50 lakh home loan, 8.5% interest, 20 saal — EMI ₹43,391.
| Strategy | Loan khatm | Total interest | Bachat |
|---|---|---|---|
| Normal (12 EMI/saal) | 20 saal (240 mahine) | ₹54,13,879 | — |
| 13 EMI/saal (1 extra EMI) | 16 saal 9 mahine (201 mahine) | ₹43,84,740 | ₹10,29,139 + 39 mahine |
| Har mahine EMI/12 extra | 16 saal 7 mahine (199 mahine) | ₹43,24,512 | ₹10,89,367 + 41 mahine |
Dekha? Sirf ek extra EMI har saal bharne se lagbhag ₹10 lakh interest bachta hai aur loan 3 saal 3 mahine pehle khatm hota hai. Aur har mahine thoda-thoda extra dene se fayda thoda aur badh jata hai, kyunki paisa jaldi principal me lagta hai.
Apne loan par khud calculate karo
Apni EMI, tenure aur prepayment ka exact asar dekho:
Home Loan EMI CalculatorShuru karne se pehle 3 cheezein check karo
1. Prepayment charges: Floating rate home loan par RBI ke niyamon ke tahat bank prepayment penalty nahi laga sakta. Par fixed-rate loan ya kuch car/personal loan par charges ho sakte hain — loan agreement me "prepayment/foreclosure charges" clause padh lo.
2. Prepayment principal me lage: Bank ko clearly bolo ki extra amount principal me adjust ho, agle mahine ki EMI advance me nahi. Ye chhoti si baat fark daalti hai.
3. Jitni jaldi, utna behtar: Loan ke pehle saalon me extra EMI ka asar sabse zyada hota hai. Agar loan ko 10 saal ho gaye hain, tab bhi fayda hai — par shuru me ye strategy sona hai.
✅ Sahi: Hamesha "principal prepayment" ke roop me bharo.
Aksar puche jaane wale sawal
Q: Saal me 13 EMI kaise bhare jab mahine 12 hi hote hain?
Saal me ek extra EMI prepayment karo, ya bi-weekly payment (har 2 hafte me aadhi EMI = saal me 26 half = 13 full), ya har mahine EMI/12 extra jodo. Teenon ka asar ek jaisa hai.
Q: 13 EMI strategy se kitna fayda hota hai?
₹50L loan (8.5%, 20 saal) par har saal 1 extra EMI se loan 201 mahine me khatm hota hai — 39 mahine jaldi — aur lagbhag ₹10.29 lakh interest bachta hai.
Q: Kya extra EMI par bank penalty lagata hai?
Floating rate home loan par RBI niyamon ke tahat prepayment penalty nahi lag sakti. Fixed-rate ya kuch aur loan par charges ho sakte hain — agreement check karo.
Q: Bi-weekly payment India me possible hai?
Zyadatar banks monthly schedule par hain, isliye seedha bi-weekly mushkil hai. Par har mahine EMI/12 extra prepay karke bilkul wahi asar milta hai — ye sabse practical tarika hai.
Q: Extra EMI shuru me bharna behtar hai ya baad me?
Shuru me. Pehle saalon me EMI ka bada hissa interest me jata hai, isliye early prepayment principal tezi se ghatata hai.
Ye educational content hai, financial advice nahi. Calculations standard EMI formula par based hain; actual figures aapke bank ke terms par depend karenge. Apne financial advisor se salah lein.