Loan Prepayment Calculator
Loan me lump sum prepayment karne se kitna interest bachega aur kitni EMIs kam ho jayengi — turant calculate karo.
How to use — Loan Prepayment Calculator
- Loan ka abhi ka outstanding amount daalo (bank app me dikh jaata hai).
- Interest rate aur remaining tenure daalo.
- Jitna lump sum prepay karna chahte ho wo daalo.
- Calculate dabao — kitna interest bachega aur kitni EMIs kam hongi dikh jayega.
FAQ
Prepayment se tenure kam hota hai ya EMI?
Aap choose kar sakte ho. Ye calculator tenure-reduction dikhata hai (EMI same) — isme interest ki bachat sabse zyada hoti hai. EMI kam karwana cash flow ke liye theek hai lekin bachat kam hoti hai.
Kya home loan prepayment pe penalty lagti hai?
Floating rate home loans pe RBI ke rules ke hisaab se koi prepayment penalty nahi lagti. Fixed rate loans pe 2–4% penalty ho sakti hai — apne bank se confirm karo.
Prepay karna better hai ya invest karna?
Thumb rule: agar expected investment return (post-tax) loan rate se zyada hai to invest karo, warna prepay. 8.5% ka loan prepay karna = guaranteed 8.5% tax-free return.
Prepayment kab karna sabse faydemand hai?
Loan ke shuruaati saalon me — tab EMI ka bada hissa interest hota hai, isliye principal ghatane ka asar sabse zyada hota hai.