₹1 crore loan (20yr @9%, EMI ₹89,973) par: ₹5 lakh lump sum (2nd saal me) se ₹19.3 lakh interest bachta hai aur tenure 27 mahine kam. Har saal 1 extra EMI se ₹22.5 lakh bachat aur 41 mahine kam. Dono milakar ₹36.4 lakh bachte hain!
₹1 Crore Home Loan EMI Calculator
Base case: bina prepayment kitna doge?
₹1 crore, 9%, 20 saal: EMI ₹89,973/month, total payable ₹2,15,93,423, total interest ₹1,15,93,423. Matlab ghar ki keemat se zyada interest! Ab dekho prepayment ka jaadu:
4 verified prepayment scenarios
| Strategy | Tenure | Total interest | Bachat |
|---|---|---|---|
| Kuch nahi (base) | 20y 0m | ₹1,15,93,423 | — |
| ₹5L lump sum (2nd saal) | 17y 9m | ₹96,64,163 | ₹19,29,260 |
| Har saal 1 extra EMI | 16y 7m | ₹93,44,115 | ₹22,49,308 |
| EMI +10% (₹98,970) | 15y 10m | ₹87,82,289 | ₹28,11,134 |
| Dono: lump sum + extra EMI | 15y 0m | ₹79,54,689 | ₹36,38,734 |
Numbers khud bolte hain: sirf EMI 10% badhane se (₹8,997/month extra) ₹28 lakh bachte hain aur loan 4+ saal pehle khatm! Aur dono strategies milakar to ₹36.4 lakh — ek chhota flat jitni bachat.
Prepayment kab karna sabse faydemand hai?
Pehle 5–7 saalon me. Kyunki shuruaat me EMI ka 80%+ hissa interest hota hai — pehle saal ki ₹89,973 EMI me se ~₹75,000 sirf interest hai! Isliye jitni jaldi prepay karo, utna zyada principal ghat-ta hai aur future interest bachta hai. 15th saal me prepayment ka fayda 2nd saal ke muqable aadha hota hai.
Prepay karu ya invest karu?
Simple rule: agar investment ka expected return loan rate se zyada hai (9% se zyada, tax ke baad), to invest karo — warna prepay. Lekin dhyaan rakho: prepayment ka 9% return guaranteed aur tax-free hai, jabki market return kabhi guaranteed nahi. Risk nahi lena to prepay hi best hai.
Prepayment ke 3 golden rules
- Emergency fund pehle: 6 mahine ka kharcha alag rakho, phir prepay karo.
- Floating rate = zero charge: RBI rule ke hisab se floating-rate home loan par koi prepayment penalty nahi lag sakta. Fixed rate par 2–3% ho sakta hai.
- Tenure ghatao, EMI nahi: Prepayment ke baad bank se tenure kam karwao, EMI kam mat karwao — warna bachat aadhi ho jayegi.
FAQs
₹1 crore home loan par ₹5 lakh prepay karne se kitna bachega?
Dusre saal me ₹5 lakh lump sum dene se ₹19,29,260 interest bachta hai aur tenure 27 mahine (2 saal 3 mahine) kam ho jaata hai.
Har saal ek extra EMI dene se kya fayda hai?
₹89,973 ki ek extra EMI har saal dene se ₹22,49,308 interest bachta hai aur loan 41 mahine pehle khatm hota hai (16 saal 7 mahine me).
EMI badhana ya lump sum — kaun better hai?
EMI 10% badhana (₹98,970) sabse simple hai — ₹28.1 lakh bachat. Lekin lump sum + extra EMI dono milakar ₹36.4 lakh bachte hain, jo sabse zyada hai.
Prepayment par koi charge lagta hai?
Floating-rate home loan par RBI rule se zero prepayment charge hai. Fixed-rate loan par 2–3% lag sakta hai — apne loan agreement me check karo.
Prepay karu ya mutual fund me invest karu?
Agar investment ka tax-ke-baad expected return 9% se zyada hai to invest soch sakte ho. Lekin prepayment ka 9% guaranteed aur tax-free hai — safe option hai. Dono ka balance bhi rakh sakte ho.
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