Loan Calculator
Free Loan EMI Calculator: Home, Car & Personal Loan EMI Pata Karein
Jab bhi hum naya ghar, gadi ya personal kaam ke liye Loan lene ki sochte hain, toh sabse pehla sawal dimaag mein yahi aata hai: "Har mahine ki kisht (EMI) kitni banegi?"
Bank agents aksar complex calculations dikha kar confuse kar dete hain. InWebTools Loan Calculator aapko pehle hi bata deta hai ki aapko har mahine kitna paisa dena hoga aur loan khatam hote-hote aap Total Interest kitna chuka denge. Yeh financial planning ke liye bahut zaruri hai.
🏦 EMI kya hoti hai aur yeh kaise banti hai?
EMI ka full form hai "Equated Monthly Installment". Iske do hisse hote hain:
- Principal Component: Woh paisa jo aapne bank se udhaar liya hai.
- Interest Component: Woh byaaj jo bank aapse loan dene ke badle le raha hai.
Shuruat mein, aapki EMI ka bada hissa "Interest" mein jata hai, aur dhire-dhire "Principal" katna shuru hota hai. Hamara calculator aapko yeh breakdown bhi samjhata hai.
🚀 Yeh Calculator kis tarah ke loans ke liye hai?
- Home Loan: Lambe samay (15-30 saal) ke loans ki EMI plan karne ke liye.
- Car/Bike Loan: Gadi kharidne se pehle janne ke liye ki monthly budget par kitna asar padega.
- Personal Loan: Shaadi, travel ya medical emergency ke liye liye gaye loan ka hisab karne ke liye.
🛠️ Online EMI kaise calculate karein?
- Loan Amount: Aap kitna paisa udhaar lena chahte hain? (Jaise: 5,00,000).
- Interest Rate (%): Bank aapse salana kitna byaaj le raha hai? (Jaise: 8.5%).
- Loan Tenure: Kitne saal ya mahino mein paisa wapas karenge?
- Calculate: Button dabate hi aapko pata chalega:
- Monthly EMI.
- Total Interest Payable (Aap extra kitna pay kar rahe hain).
- Total Payment (Principal + Interest).
Frequently Asked Questions (FAQs)
Q: EMI kam kaise karein?
A: EMI kam karne ke do tarike hain: Ya toh Loan Tenure (samay) badha dein, ya phir Down Payment zyada karein taaki Loan Amount kam ho jaye.
Q: Flat Rate vs Reducing Balance mein kya antar hai?
A: Zyada tar banks Reducing Balance Method use karte hain (jahan bache huye principal par byaaj lagta hai). Hamara calculator isi standard method par kaam karta hai jo sabse sateek hai.
Q: Kya Tenure badhane se fayda hota hai?
A: Tenure badhane se monthly EMI toh kam ho jati hai, lekin aap bank ko Total Interest bahut zyada pay karte hain. Hamesha tenure kam rakhne ki koshish karein.
Md Ahmad Rja
CEO / Co-Founder
Enjoy the little things in life. For one day, you may look back and realize they were the big things. Many of life's failures are people who did not realize how close they were to success when they gave up.
