संदर्भ 1
- Scenario
- Early मासिक extra
- कर्ज
- INR 50 L
- Prepayment
- INR 10,000/mo
- Likely impact
- High व्याज saving
फायनान्स आणि टॅक्स
कर्ज Prepayment Savings कॅल्क्युलेटर
गणना करा घर कर्ज व्याज savings, revised कालावधी, आणि महिने shaved off by making मासिक किंवा yearly कर्ज prepayments.
फॉर्म्युला स्पष्टीकरण
Monthly interest = balance x monthly rate; balance = balance + interest - EMI - prepaymentकॅल्क्युलेटर builds a month-by-month reducing balance schedule, applies selected prepayment, आणि compares एकूण व्याज against original कर्ज schedule.
पायरी-पायरीने उदाहरण
- 1गणना करा EMI from principal, मासिक व्याज दर, आणि original कालावधी.
- 2Simulate original कर्ज month by month without extra payment.
- 3Simulate revised कर्ज सह मासिक extra किंवा वार्षिक lump sum prepayment.
- 4एकूण व्याज saved equals original व्याज minus revised व्याज; कालावधी reduction equals original महिने minus revised महिने.
संदर्भ
बेंचमार्क तालिका
आम परिदृश्यों की जल्दी तुलना करें। छोटे स्क्रीन पर क्षैतिज स्क्रॉल करें।
संदर्भ 2
- Scenario
- वार्षिक bonus
- कर्ज
- INR 60 L
- Prepayment
- INR 1 L/वर्ष
- Likely impact
- Strong कालावधी reduction
संदर्भ 3
- Scenario
- Small late prepay
- कर्ज
- INR 30 L
- Prepayment
- INR 25,000/वर्ष
- Likely impact
- Moderate saving
संदर्भ 4
- Scenario
- No prepayment
- कर्ज
- Any कर्ज
- Prepayment
- INR 0
- Likely impact
- Original कालावधी remains
नेहमी विचारले जाणारे प्रश्न
Keeping EMI unchanged आणि reducing कालावधी usually saves more व्याज because principal closes faster.
Prepayments made in early वर्षे save most व्याज because outstanding principal is higher.
No. Add any lender penalty separately when comparing net benefit. Floating-दर घर loans for individuals often have no prepayment penalty.
Yes. Switch prepayment type आणि use same रक्कम to compare how timing affects व्याज savings.
एकूण व्याज saved
₹21,78,721.22