₹20 lakh outstanding, 9% rate aur 10 saal baki — agar loan chalti rahi to ₹10,40,219 interest aur lagega. Aaj foreclose karne par 2% charge = ₹40,000 lagega, aur kul ₹20,40,000 dekar loan band. Net bachat: ₹10,00,219 (agar paisa kahin aur isse behtar kaam me na lag raha ho).
Loan Foreclosure Calculator
Foreclosure kya hota hai — part-payment se alag kaise?
Foreclosure matlab tenure khatm hone se pehle poora bacha hua loan ek saath chukakar band kar dena. Part-payment me tum rakam ka ek hissa dete ho aur loan chalti rehti hai; foreclosure me khaata hi band ho jata hai — property ke kagaz wapas, bank ka charge khatm, EMI ka bojh khatm.
Hisab seedha hai: agar loan chalti rahi, to bachi hui 10 saal ki EMIs me ₹10,40,219 sirf interest jaayega. Aaj band karo to interest ruk jata hai — badle me bank foreclosure charge laga sakta hai (2% par ₹40,000). Dono ka antar hi tumhari asli bachat hai: ₹10,00,219.
Charge kab lagta hai, kab nahi — RBI ka niyam
- Floating rate personal/home/LAP loans (individuals): RBI ke niyam se bank/NBFC foreclosure ya prepayment charge nahi le sakte. Purane loans par 2025–26 se ye niyam aur saaf ho gaya hai — apne bank se likhit me confirm karo.
- Fixed rate loans: Charge lag sakta hai — aam taur par outstanding ka 2–5%.
- Business/commercial loans aur companies ke naam par loans: Charge lag sakta hai, agreement ke hisaab se.
Calculator me charge % tum khud daal sakte ho — apne sanction letter me "prepayment/foreclosure charges" wala clause dekho aur wahi number daalo. Agar charge 0 hai to net bachat poori ₹10,40,219 hai.
Foreclose karna sahi hai ya paisa invest karna?
Ye sawal har borrower poochta hai. Seedha frame: loan band karne par tumhe 9% ki pakki, tax-free "return" milti hai — itna interest bachta hai. Agar tumhare paas pada paisa FD me 6–7% de raha hai (tax ke baad aur kam), to 9% ka loan band karna zyada faydemand hai. Lekin emergency fund ko haath mat lagao — loan band karke cashless ho jana ulta risky hai. Pehle 6 mahine ka emergency fund alag, phir foreclosure.
FAQs
Foreclosure aur part-payment me kaunsa behtar hai?
Agar poora paisa uplabdh hai aur loan ka rate tumhari bachat ke return se zyada hai, to foreclosure sabse saaf fayda deta hai. Paisa kam ho to part-payment karo — EMI wahi rahegi lekin tenure ghat jayegi aur interest bachega. Dono ka hisaab alag-alag calculators se mila lo.
Foreclosure ke baad credit score par kya asar padta hai?
Loan samay par band karna score ke liye aam taur par achha hota hai — report me 'Closed' dikhta hai. Haan, ek purana lamba loan band hone se credit history ki lambai thodi kam hoti hai, lekin ye asar chhota aur asthayi hai.
Home loan foreclose karne ke baad kagaz kaise wapas milte hain?
Poora bhugtan hote hi bank ko NOC/No-Due certificate dena hota hai aur original property documents wapas karne hote hain — RBI ke nirdesh ke hisaab se aam taur par 30 din ke andar, warna bank ko jurmana dena pad sakta hai. Deri ho to pehle bank ki shikayat cell, phir RBI Ombudsman ka rasta hai.
Kya foreclosure charge negotiate ho sakta hai?
Kabhi-kabhi haan — khaaskar jab tum balance transfer karke dusre bank ja rahe ho. Kuch bank charge maaf karke customer rok lete hain, ya naya bank fee ka ek hissa bhar deta hai. Poochne me kuch nahi jata.
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