Dono offer ₹10 lakh ke hain, 5 saal ke liye. Loan A (10.5%) ki EMI ₹21,494 aur kul interest ₹2,89,634; Loan B (9.99%) ki EMI ₹21,242 aur kul interest ₹2,74,527. Loan B kul ₹15,107 sasta hai — sirf 0.51% rate ke fark se. Apne dono offers daalo, apna jawab khud dekho.
Loan Comparison Calculator — Loan A vs Loan B
Do offers compare karne ka sahi tareeka
Sabse aam galti: sirf EMI dekhna. Kam EMI ka matlab aksar sirf lambi tenure hota hai — kul interest zyada. Sahi tulna teen numbers par hoti hai:
- Kul interest (total interest): Pure tenure me bank ko extra kitna doge — yahi loan ki asal keemat hai.
- Fees aur charges: Processing fee, documentation, insurance jabardasti — rate kam lekin fee zyada wala offer ulta mehenga pad sakta hai. Fee ko kul interest me jodkar compare karo.
- Shartein: Prepayment/foreclosure charge, part-payment ki azadi, floating hai ya fixed — ye cheezein kal kaam aati hain.
Upar ke example me dono ki rakam aur tenure ek hai, isliye faisla saaf hai: 9.99% wala Loan B ₹15,107 sasta. Lekin asal zindagi me offers garam-masala hote hain — ek ka rate kam, tenure zyada; dusre ka fee kam. Tab yahi calculator kaam aata hai: dono ke teenon number daalo, "interest me fark" wala number khud bol dega kaun jeeta. Fee ka fark ho to use bhi interest wale hisaab me mann hi mann jod lena.
Rate hi sab kuchh nahi — ek chhota example
Maan lo Loan B ka rate 9.99% hai lekin processing fee ₹15,000 zyada hai. Tab uski asal bachat ₹15,107 − ₹15,000 = ₹107 reh jayegi. Phir bhi B aage hai — lekin fark ghata. Yahi hisaab har offer par lagao: (kul interest + saari fees) = loan ki kul keemat. Jo kam, wahi sasta — chahe uski EMI thodi zyada hi kyun na dikhe.
FAQs
Loan compare karte waqt sabse bada number kaunsa dekhun?
Total interest + total fees — yani loan ki kul keemat. EMI sirf cashflow batati hai, keemat nahi. Do offers me jiska kul (interest + fees) kam, wahi sasta hai, basharte tenure aur rakam ek jaise hon.
Kam EMI wala offer kab jaal hota hai?
Jab kam EMI lambi tenure ki wajah se ho. 5 saal ki jagah 7 saal karne se EMI kam dikhegi, lekin kul interest badh jayega. Hamesha ek hi tenure par dono offers ka hisaab milao.
Kya floating aur fixed rate ko compare kar sakte hain?
Calculator se dono ka aaj ke rate par hisaab mil sakta hai, lekin dhyaan rahe: floating rate kal badal sakta hai (repo rate ke saath), fixed nahi. Sirf numbers nahi, rate ka risk bhi compare karo — lambi tenure me floating ka itihas aam taur par sasta raha hai, par guarantee koi nahi.
Home loan offers compare karte waqt aur kya dekhun?
Rate ke alawa: processing fee ki cap, prepayment azadi, insurance ki jabardasti, aur rate kis benchmark se juda hai (repo-linked rates zyada transparent hote hain). Balance transfer ki soch rahe ho to hamara Balance Transfer Calculator bhi dekho.
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