₹60,000/month income par agar tum 40% (yani ₹24,000) EMI ke liye rakho aur ₹5,000 purani EMI pehle se hai, to nayi EMI ki gunjaish ₹19,000/month banti hai — 9% rate par 20 saal me ye lagbhag ₹21.1 lakh ka loan hai. Aur EMI ke baad bhi ₹36,000 har mahine kharch-bachat ke liye bachta hai.
Loan Affordability Calculator
Eligibility aur affordability me fark kya hai?
Bank ki eligibility kehti hai: "hum tumhe itna de sakte hain." Tumhari affordability kehti hai: "itna dena mere ghar ke budget ke liye sahi hai." Dono me aksar bada antar hota hai. Bank 50–60% FOIR tak ja sakta hai; lekin agar tumhari income ka 60% EMI me chala gaya, to kiraya, khana, bachat aur emergency — sab kasne lagega.
Isiliye ye calculator ulta chalta hai: pehle tum tay karo ki income ka kitna hissa EMI me dena tumhare liye aaramdayak hai — aam salah hai kul EMIs income ke 35–40% se zyada na hon — phir hum us EMI se banta hua loan nikaal dete hain. Upar 40% wale hisaab se ₹19,000 ki nayi EMI aur ₹21.1 lakh ka loan bana.
Apna % kaise chunein? Ek imaandaar frame
- 30% — surakshit: Bachat aur kharch dono aaram se. Pehla loan ho to yahi se shuru karo.
- 40% — santulit: Zyadatar pariwaaron ke liye upri seema. Is par bhi emergency fund banta rehna chahiye.
- 50%+ — jokhim: Ek bhi aayat (job, ilaaj) aayi to EMI atak sakti hai. Sirf tab jab dusri income (spouse) suraksha de.
Ek test aur: EMI ke baad bachi rakam se tumhara mahine ka asal kharch aaram se chalna chahiye aur kam se kam 10–15% bachat bhi honi chahiye. Agar ye hisaab na baithe, to loan chhota karo — ghar ya car ek size neeche lena EMI ke bojh se kahin behtar hai.
FAQs
EMI income ke kitne percent se zyada nahi honi chahiye?
Koi kanoon nahi hai, lekin vyavharik salah: saari EMIs milakar income ke 40% se neeche rakho. 50% ke upar jaana aksar budget ko kas deta hai — bachat rukti hai aur ek jhatka poora hisaab bigaad deta hai.
Bank 60% FOIR deta hai to kya pura loan le loon?
Bank ki seema uske risk ke liye hai, tumhare sukho ke liye nahi. Bank sirf EMI wasoolne se matlab rakhta hai; tumhare kharch, bachat aur pariwaar ki zarooratein woh nahi dekhta. Apni affordability hamesha bank ki eligibility se neeche rakho.
Affordability badhane ka sabse tez tareeka kya hai?
Purani chhoti EMIs band karna — har ₹5,000 ki band EMI lagbhag ₹5–6 lakh (home loan, lambi tenure) ki nayi gunjaish kholti hai. Dusra: down payment badhana, taaki loan chhota ho. Teesra: co-applicant ki income jodna.
Kya kiraya (rent) bhi affordability me ginna chahiye?
Haan, mann hi mann zaroor. Agar tum rent par rehte ho aur home loan ki EMI bhi aane wali hai (possession ke baad dono nahi, lekin construction period me overlap ho sakta hai), to us samay ka dohra bojh pehle se gin lo.
Aur bhi calculators try karein
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