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होम लोन प्री-पेमेंट कैलकुलेटर

प्री-पेमेंट कुछ तरीकों में से एक है, जिसमें आप लोन की अवधि पूरी होने से पहले आंशिक (या पूर्ण) लोन चुकाकर अपने लोन को कम या समेकित कर सकते हैं. इससे न केवल आपका क़र्ज़ कम हो सकता है, बल्कि ब्याज के रूप में अत्यधिक पैसे के भुगतान से भी बचा जा सकता है.

प्री-पेमेंट के साथ होम लोन कैलकुलेटर का उपयोग करने से, आपको प्री-पेमेंट के साथ सेव की जाने वाली राशि निर्धारित करने में मदद मिलती है. इस कैलकुलेटर का इस्तेमाल करना आसान है और आपको बस फील्ड में जानकारी दर्ज करनी होती है:

  • बकाया राशि
  • अवधि
  • ब्याज दर
  • प्री-पेमेंट राशि

आपके द्वारा फील्ड में दर्ज की गई वैल्यू के आधार पर, आप प्री-पेमेंट के बाद कैलकुलेटर के दाईं ओर नई ईएमआई की जानकारी देख सकते हैं.

What is Home Loan Prepayment?

Home loan prepayment refers to the act of prepaying a part or all of the outstanding principal amount of a home loan before its scheduled due date. Essentially, it means making an early repayment of the loan amount either in part or in full before the tenure of the home loan comes to an end.

Prepayment can be done in two ways- full prepayment and partial prepayment. In full prepayment, the entire outstanding balance of the home loan is paid off in one go, while in partial prepayment, a certain amount is paid towards the principal outstanding.

There are several benefits of making prepayments on a home loan. Firstly, it reduces the overall interest burden as the outstanding principal amount reduces, which means lower interest on the remaining balance. Secondly, it helps in bringing down the total cost of the loan as the interest component decreases with the reduction of the principal amount. Finally, prepayment can help borrowers get out of debt faster, which can save them a lot of time and money.

However, before making prepayments on a home loan, borrowers should take into account the prepayment charges, if any, that may be applicable. Most banks and financial institutions charge a nominal fee for making prepayments on a home loan. These charges are typically specified in the loan agreement and may vary from one lender to another.

Overall, prepaying your home loan can have significant benefits in terms of saving on interest costs and reducing the loan tenure. However, borrowers should carefully consider the costs and charges involved before making a decision.

How does a Home Loan Prepayment Calculator work?

You can calculate your EMI amount after you do part-prepayment. You just need to enter your outstanding loan amount, Tenure, rate of interest, and your part-prepayment amount. Once you enter these details, you can then find your new EMI.

Things to Consider Before Making Home Loan Prepayment

Making prepayments on a home loan can be a financially smart decision. It helps in reducing the outstanding principal amount, interest burden, and the repayment tenure. However, before making any prepayment, there are a few things that the borrower should consider. These include:

1 Prepayment Charges: Before making a prepayment, borrowers need to check the prepayment charges mentioned in their home loan agreement. Banks and financial institutions typically charge a fee on prepayment. Therefore, borrowers should calculate if the cost of the prepayment fee outweighs the benefits of making the prepayment.

2 Tax Implications: Prepayments on home loans can also have tax implications. Under Section 24 of the Income Tax Act, the interest portion of the home loan EMI is eligible for tax deduction up to Rs 2 lakhs. If a borrower opts for prepayment of a significant portion of the outstanding home loan, it may reduce the tax deductions they are eligible for.

3 Future Expenses: If the borrower is likely to require funds for a significant expenditure in the near future, such as a child's education or marriage, they should plan their finances accordingly. If the funds utilized for prepayment of home loans are needed in the future, it may result in additional borrowing costs.

4 Home Loan Tenure: If the borrower has a long repayment tenure, making a prepayment may help them save on interest and reduce the tenure. Therefore, borrowers need to evaluate the impact of making prepayment on the loan tenure.

5 Availability of Liquid Assets: Before making a prepayment, borrowers should evaluate the liquidity of their assets. If the borrower has low liquidity, they may not have enough funds to cushion against future emergencies. Therefore, they should weigh the potential benefits of making a prepayment against the risk of future emergencies.

In conclusion, borrowers need to evaluate all these factors before deciding to make a prepayment on their home loan. While prepayment can help reduce the interest burden and loan tenure, there may be other costs and implications that need to be considered.

होम लोन पार्ट-प्री-पेमेंट संबंधी सामान्य प्रश्न

होम लोन पार्ट-प्रीपेमेंट क्या होता है?

प्री-पेमेंट का अर्थ समय से पहले लोन का पुनर्भुगतान करना है. यह देय तिथि से पहले किश्त के रूप में किया गया भुगतान होता है और यह सामान्यत: एक लंपसम राशि होती है. बजाज फिनसर्व के साथ अपने होम लोन का प्री-पेमेंट शुरू करने के लिए, आवश्यक न्यूनतम राशि, आपकी तीन ईएमआई के बराबर होनी चाहिए. अगर आप समय से पहले अपनी बकाया राशि का भुगतान करते हैं, तो इसके कारण आपकी अवधि कम हो जाती है या आपकी ईएमआई कम हो जाती है.

Is Home loan EMI calculator and part prepayment calculator same?

No, Home loan part-prepayment calculator and Home loan EMI calculator both are used for different purpose. The part-prepayment calculator helps you to calculate your part-prepayment amount while the EMI calculator helps you to calculate your EMIs. This calculator can also be used for calculation of EMI with a prepayment option.

होम लोन पार्ट-प्रीपेमेंट कैलकुलेटर क्या होता है?

होम लोन पार्ट-प्री-पेमेंट कैलकुलेटर एक टूल है, जो आपको लोन के जल्दी पुनर्भुगतान करने के सकारात्मक फायदे दिखाता है.

होम लोन पार्ट-प्री-पेमेंट कैलकुलेटर का उपयोग कैसे करें?

All you need to do is simply enter your loan details and then enter the amount you wish to pre-pay. Do keep in mind that this amount will have to be at least three times the calculated EMI.

आप वैल्यू को एडजस्ट करने के लिए स्लाइडर को अपने बाएं या दाएं मूव कर सकते हैं, या आप निम्न के लिए सीधे वैल्यू टाइप कर सकते हैं:

  • लोन राशि
  • अवधि (महीने में)
  • ब्याज दर
  • पार्ट-प्री-पेमेंट की राशि जिसका आप भुगतान करना चाहते हैं

यह विवरण दर्ज़ करने के बाद, "संपन्न" पर क्लिक करें. आपको दो विकल्प दिखेंगे:

  • EMI सहेजा गया: यह तालिका आपके EMI में कमी और आंशिक पूर्व-भुगतान के बाद EMI में मासिक बचत दिखाती है
  • टेनोर सेव्ड: यह टेबल बताती है कि आंशिक प्री-पेमेंट के बाद आपकी कितनी अवधि कम हो गयी है.
होम लोन में पूर्वभुगतान के क्या लाभ हैं?

होम लोन प्री-पेमेंट से कई लाभ प्राप्त होते हैं, जैसे बकाया राशि में कमी, अवधि में कमी और छोटी ईएमआई. लंबे समय के मामले में, प्री-पेमेंट आपको समय से पहले डेट-फ्री बनने में मदद करता है, जो आपके सिबिल स्कोर को सकारात्मक रूप से प्रभावित करता है.

क्या प्री-पेमेंट EMI को कम करता है?

जब आप अपने होम लोन का एक हिस्सा प्री-पे करते हैं, तो आपके पास दो विकल्प होते हैं. आप या तो अपने लेंडर से अवधि कम करवा सकते हैं, जिसमें आपको ईएमआई के रूप में लगभग उसी राशि का भुगतान करना होता है, या फिर आप उसी अवधि के साथ जारी रख सकते हैं, इस स्थिति में आपकी ईएमआई कम हो जाती है.

क्या होम लोन पर प्री-पेमेंट के लिए दंड हैं?

यह होम लोन की ब्याज़ दर के प्रकार पर निर्भर करता है. उदाहरण के लिए, फ्लोटिंग ब्याज़ दर पर होम लोन लेने वाले उधारकर्ता प्री-पेमेंट या फोरक्लोज़र पर कोई अतिरिक्त शुल्क नहीं देते. दूसरी ओर, फिक्स्ड ब्याज़ दर फ्लोटिंग ब्याज़ दर पर होम लोन लेने वाले उधारकर्ता को प्री-पेमेंट या फोरक्लोज़र पर मामूली शुल्क देना होगा.

What is the difference between a home loan EMI calculator and a prepayment calculator?

The home loan EMI calculator will help you calculate your EMIs by entering your loan amount, rate of interest, and tenure. While the prepayment calculator will help you calculate your new EMI after you do a part-prepayment.

What is the difference between home loan repayment and prepayment?

Home loan repayment and prepayment refer to the same thing - payment of the outstanding principal amount of a home loan. However, the key difference between the two is the timing of the payment.

Home loan repayment refers to the payment of the EMI (Equated Monthly Installment) on the due date every month. The EMI consists of two components - principal and interest. The principal component repays the outstanding loan amount, while the interest component represents the cost of borrowing the loan. Every month, the outstanding principal amount reduces, and the interest component decreases based on the remaining principal amount.

On the other hand, home loan prepayment refers to the payment of the outstanding loan amount before the scheduled due date. Prepayment can be done in two ways - partial or full. In partial prepayment, a specific amount of the outstanding loan is paid before the scheduled date, while in full prepayment, the entire outstanding loan amount is paid off before the due date.

Prepayment helps in reducing the interest and principal component of the EMI in the ensuing months. When a borrower makes a prepayment, the outstanding principal amount reduces, and the interest due on the remaining balance decreases, which leads to lower EMIs or a shorter loan tenure.

In summary, while repayment is the scheduled payment of the principal and interest every month until the end of the loan tenure, prepayment is the early payment of a part or the entire outstanding loan amount before the scheduled due date.

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