₹25 lakh ke loan (9%, 15 saal, EMI ₹25,357) me 24 mahine baad ₹3 lakh part-payment karne se tenure 33 mahine kam ho jayegi aur interest me kul ₹5,50,028 ki bachat hogi. Nayi tenure: 12 saal 3 mahine.
EMI Calculator — Part Prepayment Ke Saath
Part-payment hota kya hai?
Part-payment (part prepayment) matlab EMI ke upar, tenure ke beech me, ek saath kuch rakam seedha principal me jama kar dena. Bonus aaya, purani gaadi biki, FD mature hui — aisi rakam ko kharche me ghulne dene ke bajaye loan ke principal par marna sabse chhupa hua fayda hai, kyunki us din se us rakam par interest lagna band ho jata hai.
Upar ka example: 24 mahine (2 saal) tak loan aaram se chala — us samay outstanding ghata kar lagbhag ₹23,26,982 reh gaya tha — usi par ₹3 lakh ka part-payment pada. Nateeja: loan 33 mahine pehle band, aur ₹5,50,028 interest bach gaya. Dhyaan do — part-payment jitna jaldi, fayda utna bada; wahi ₹3 lakh agar 10ve saal me diya jaye to bachat isse aadhi se bhi kam reh jayegi.
Part-payment ke niyam — bank jaane se pehle jaan lo
- Minimum rakam: Kai bank kam se kam 1 EMI ya ek nishchit rakam (jaise ₹10,000–₹25,000) se neeche part-payment nahi lete.
- Charge: Floating-rate loans par individuals ke liye aam taur par koi charge nahi. Fixed-rate/personal loan par ho sakta hai — sanction letter padho.
- EMI ya tenure?: Part-payment ke baad bank se tenure kam karne ko kaho (EMI wahi rahe) — interest bachat isi me sabse zyada hai. Kuch bank default roop se EMI kam kar dete hain; likhit me apna option do.
- Kitni baar: Kuch bank saal me part-payments ki sankhya seemit rakhte hain — pehle pata kar lo.
Ek kaam ki aadat: har saal kam se kam ek extra EMI ke barabar part-payment ka target rakho. ₹25 lakh jaise loan par ye chhoti aadhi lagne wali chaal aakhir me lakhon ka interest aur kai saal ki azaadi deti hai.
FAQs
Part-payment ke baad EMI kam karoon ya tenure?
Interest bachat ke hisaab se tenure kam karna hamesha behtar hai — EMI wahi rehti hai, isliye har mahine zyada principal katta hai aur loan jaldi band hota hai. EMI kam karna sirf tab sahi hai jab monthly cashflow par asal dabav ho.
Part-payment kab karna sabse faydemand hai?
Loan ke shuruaati saalon me. Shuru me outstanding sabse zyada hota hai, isliye us samay kata principal sabse zyada interest bachata hai. Pehle 3–5 saal me kiya gaya part-payment sabse tez asar dikhata hai.
Kya har mahine thoda-thoda extra dena part-payment jaisa hai?
Asar lagbhag waisa hi hai — kuch bank 'EMI + extra' ki suvidha dete hain, kuch me tumhe alag se part-payment karna padta hai. Jo bhi rasta ho, extra rakam seedha principal me jama ho rahi hai, ye statement me confirm kar lo.
Personal loan me part-payment ho sakta hai?
Haan, lekin niyam sakht ho sakte hain — kuch bank pehle 6–12 mahine part-payment allow nahi karte aur charge bhi lag sakta hai. Apne agreement ka prepayment clause pehle padho, phir hisaab is calculator se lagao (charge ho to use bachat se ghata kar dekho).
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