₹40 lakh ke loan (8.75%, 20 saal, EMI ₹35,348) ke shuru me hi ₹2 lakh prepayment karne se tenure 240 mahino se ghata kar 211 mahine reh jati hai — 29 mahine pehle loan-mukt! Aur interest me kul ₹8,30,516 ki bachat (₹44,83,623 ki jagah ₹36,53,107).
Loan Prepayment Calculator
Prepayment ka jaadu: pehla saal hi sabse mehenga hai
Reducing balance loan me interest har mahine bache hue principal par lagta hai. Shuru me principal sabse zyada hota hai, isliye shuruaat ki EMIs me interest ka hissa sabse bada hota hai — ₹40 lakh ke is loan ki pehli EMI ₹35,348 me se lagbhag ₹29,167 sirf interest hai. Shuru me kiya gaya prepayment seedha principal kaat-ta hai, aur phir har aane wale mahine ka interest us kati rakam par bachta hai. Yahi compounding ka ulta jaadu hai — isliye ₹2 lakh ka shuru-wala prepayment aakhir me ₹8,30,516 bachata hai.
Prepayment kab karein, kab na karein?
- Karein: Jab loan ka rate (yahan 8.75%) tumhe mil sakne wale surakshit return (FD ~6–7%) se zyada ho — prepayment ek pakki, tax-free "8.75% return" hai.
- Karein: Floating-rate home loan par — individuals ke liye prepayment charge aam taur par shunya hota hai (RBI niyam).
- Na karein: Emergency fund se. Pehle 6 mahine ke kharche alag rakho; loan jaldi band karne ke chakkar me cashless hona khatarnak hai.
- Sochkar karein: Agar paisa business me lagakar loan ke rate se zyada kama sakte ho — lekin ye "agar" pakka ho, andaaza nahi.
EMI ghatao ya tenure ghatao?
Prepayment ke baad bank aksar do option deta hai: EMI kam kar do, ya tenure kam kar do. Interest bachat ke liye tenure ghataana hamesha jeetta hai — EMI wahi rehne par har mahine zyada principal katega aur loan 29 mahine jaldi band hoga, jaise upar ke hisaab me hua. EMI ghataana sirf tab chuno jab monthly cashflow sach me tang ho.
Ek aur chaal: ek saath badi rakam na ho to har saal ek extra EMI ya salary increment ka ek hissa prepay karna bhi lambey tenure par lakhon bachata hai. Is page ka calculator one-time prepayment ke liye hai; beech-tenure me part-payment ka hisaab hamare Part Prepayment Calculator par dekho.
FAQs
Prepayment par charge kab lagta hai?
Floating-rate loans par individuals ke liye bank/NBFC prepayment charge nahi le sakte (RBI niyam) — home loan, LAP jaise secured loans par khaaskar. Fixed-rate loan aur kuch personal loans par 2–5% tak charge lag sakta hai; apna sanction letter check karo.
Prepayment ke liye sabse sahi samay kya hai?
Jitna jaldi, utna fayda — kyunki interest shuruaat me sabse zyada lagta hai. Loan ke pehle 5 saalon me kiya prepayment aakhri 5 saalon ke prepayment se kai guna zyada interest bachata hai. Bonus, arrears ya bachat haath aate hi pehle loan par lagana aam taur par sahi rehta hai.
Kya prepayment se credit score par asar padta hai?
Aam taur par achha asar — karza kam hota hai, debt-to-income ratio sudharta hai. Loan samay se pehle band hona report me 'closed' dikhta hai, jo nakaratmak nahi hai.
Prepayment karoon ya SIP me lagaoon?
Pakki baat sirf itni hai: prepayment loan ke rate ke barabar pakki bachat deta hai. Market investment me return ummeed hai, pakki nahi — aur ye page uski salah nahi deta. Apni risk capacity aur advisor ki salah se faisla karo; dono ka mix (aadha prepay, aadha invest) bhi ek rasta hai.
Aur bhi calculators try karein
EMIHisab par 53 free calculators hain — EMI, FD, PPF, NPS, Income Tax aur bhi bahut kuch.
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