₹5 lakh ke loan par 10% "flat rate" ka matlab hai kul ₹2,50,000 interest, jabki wahi 10% reducing balance par sirf ₹1,37,411 interest lagta hai. Yani flat rate par tum ₹1,12,589 zyada dete ho — flat ka 10% asal me reducing ke lagbhag 17.3% ke barabar padta hai (utni hi EMI ke hisaab se)!
Flat vs Reducing Balance Interest Calculator
Flat rate kya hota hai — aur ye jaal kyun hai?
Flat rate me interest poori original rakam par poori tenure ke liye lagta hai, chahe tum har mahine principal chuka rahe ho. ₹5 lakh par 10% flat, 5 saal: interest = ₹5,00,000 × 10% × 5 = ₹2,50,000 — seedha aur simple. EMI = (₹5,00,000 + ₹2,50,000) ÷ 60 = ₹12,500/month.
Reducing balance (jo saare bank loans par asal me lagta hai) me interest sirf us mahine bache hue principal par lagta hai. Har EMI ke saath principal ghat-ta hai, to interest bhi. Isi ₹5 lakh par 10% reducing se EMI ₹10,624 banti hai aur kul interest sirf ₹1,37,411.
Rule of thumb: flat rate ko dugna samjho
Ek aasan upay: flat rate ko lagbhag dugna karke dekho — wahi uski asal (reducing) keemat hai. Upar ke example me flat 10% wali EMI ₹12,500 hai; reducing balance par utni hi EMI ke liye rate lagbhag 17.3% lagana padega. Isliye jab koi dealer ya finance wala "sirf 7% flat" bole, to samajh lo woh asal me 13% ke aas-paas ki baat kar raha hai. Hamesha poochho: "Ye flat hai ya reducing? Aur APR/total cost kitna padega?"
Flat rate kahan-kahan sunne ko milta hai?
- Car/bike dealers ke "special offers": Showroom par mile kam rate wale offer aksar flat par hote hain.
- Consumer durable loans: Phone, TV, AC ke "0% EMI" ya kam-rate schemes me flat hisaab chhupa hota hai — processing fee alag se.
- Chhote NBFC/informal loans: Jahan hisaab kagaz par seedha likha jata hai, wahan flat pasand kiya jata hai kyunki ginna aasan hai.
Bank ke home/personal/car loan hamesha reducing balance (monthly rests) par hote hain — ye RBI ka standard hai. Flat sunte hi calculator yahan laakar dono taraf ka hisaab aamne-saamne rakh do, faisla khud ho jayega.
FAQs
Flat rate aur reducing rate me kaunsa behtar hai?
Reducing balance hamesha sasta padta hai, kyunki interest sirf bache hue principal par lagta hai. Ek hi number par compare karo to reducing ka interest flat ke mukable lagbhag aadha hota hai. Offer compare karte waqt dono ko reducing me badal kar dekho.
Flat 7% asal me kitne reducing ke barabar hai?
Tenure par depend karta hai, lekin 3–5 saal ki tenure par flat 7% lagbhag 12.5–13% reducing ke barabar padta hai (hamare hisaab se 3 saal par 12.83%, 5 saal par 12.50%). Tenure jitni lambi, ye antar utna hi badhta hai. Exact hisaab upar ke calculator se nikaal lo.
Kya bank flat rate par loan dete hain?
Nahi — bank ke saare retail loans (home, personal, car) reducing balance par hote hain. Flat rate zyadatar dealer schemes, consumer durable finance aur kuch NBFC/informal lending me dikhta hai.
EMI dono me ek jaisi ho to kaunsa chunoon?
Agar EMI barabar hai to reducing wala loan hamesha behtar hai — usme tum zyada principal chuka rahe ho, matlab foreclosure ya balance transfer par tumhe kam outstanding dena hoga aur kul interest bhi kam lagega.
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