Home loan Tips: हर साल चुकाएं एक एक्स्ट्रा EMI,लाखों का होगा फायदा

घर खरीदने के लिए लोग 20-30 साल तक का होम लोन लेते हैं

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क्या आप जानते हैं कि एक EMI एक्स्ट्रा देकर लाखों बचा सकते हैं.

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अगर घर खरीदने के लिए 9.5% ब्याज पर 40 लाख रुपए का लोन लिया है और 20 साल की EMI बनवाई है.

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इस तरह से हर महीने 37,285 रुपए चुकाने पड़ेंगे.

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20 साल में 49,48,459 रुपए के ब्याज समेत कुल 89,48,459 रुपये चुकाएंगे.

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अगर लोन प्रिंसिपल अमाउंट को थोड़ा कम करते जाएंगे तो लोन जल्दी खत्म होकर ब्याज भी कम होगा.

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साल के शुरू में एक एक्ट्रा ईएमआई चुकाने से प्रिंसिपल अमाउंट आपकी EMI यानी 37,285 रुपए से हर साल कम होता रहेगा.

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ऐसा करने से लोन 20 साल के बजाय करीब 16 साल में ही चुक जाएगा.

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इससे ब्याज के करीब 11.70 लाख रुपये कम चुकाने होंगे.

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हर बैंक एक ईएमआई एक्स्ट्रा चुकाने का ऑप्शन नहीं देता है.

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ऐसे में होम लोन लेते समय इस बारे में बैंक से पहले ही क्लियर कर लें.

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