संदर्भ 1
- दर gap
- 0.25%
- Remaining कालावधी
- Less than 5 वर्षे
- Switching fee
- High
- Decision signal
- Usually avoid
फायनान्स आणि टॅक्स
घर कर्ज Balance Transfer कॅल्क्युलेटर
गणना करा घर कर्ज balance transfer savings, new EMI, switching cost, आणि break-even period before refinancing your घर कर्ज.
फॉर्म्युला स्पष्टीकरण
Net savings = current remaining interest - new remaining interest - switching costsकॅल्क्युलेटर recomputes EMI आणि lifetime व्याज at both rates for same remaining कालावधी, then subtracts transfer-related charges.
पायरी-पायरीने उदाहरण
- 1गणना करा current EMI आणि एकूण remaining व्याज at existing दर.
- 2गणना करा new EMI आणि एकूण remaining व्याज at proposed lender दर.
- 3Convert processing fee to rupees if entered as a टक्केवारी of outstanding principal.
- 4Subtract switching costs from gross व्याज saving आणि अंदाज घ्या break-even महिने वापरून मासिक EMI saving.
संदर्भ
बेंचमार्क तालिका
आम परिदृश्यों की जल्दी तुलना करें। छोटे स्क्रीन पर क्षैतिज स्क्रॉल करें।
संदर्भ 2
- दर gap
- 0.50%
- Remaining कालावधी
- 10+ वर्षे
- Switching fee
- Low
- Decision signal
- Check break-even
संदर्भ 3
- दर gap
- 0.80%+
- Remaining कालावधी
- 15+ वर्षे
- Switching fee
- Low/medium
- Decision signal
- Often beneficial
संदर्भ 4
- दर gap
- New दर higher
- Remaining कालावधी
- Any
- Switching fee
- Any
- Decision signal
- Not beneficial
नेहमी विचारले जाणारे प्रश्न
It is usually worth considering when व्याज-दर gap is meaningful, remaining कालावधी is long, आणि switching costs are recovered quickly.
Break-even period is number of महिने required for EMI savings to recover processing fees आणि switching charges.
Most lenders गणना करा a new EMI for remaining कालावधी, but borrowers may also request कालावधी reduction if cash flow allows.
Yes. Add every processing, legal, valuation, documentation, insurance, आणि administrative cost into switching costs.
Net lifetime savings
₹3,15,646.01