Home Loan Repayment Tips Video Kaisa laga? COMMENT KARO 👇👇 Home Loan EMI Calculator: fincalc-blog.in/home-loan-emi-calculator-and-calculation-method/ JOIN Telegram Group: t.me/fincalc_tv_channel
आपका वीडियो काफी मददगार है!मैने साठ लाख का होम लोन बीस साल की अवधी के लिए लिया था!सैतालिस हजार रूपए प्रति माह की किस्त चुका रहा हू!फिलहाल ब्याज साढे नो प्रतिशत की दर से एस बी आई बैंक ले रही है,मै दस लाख रुपए एकमुश्त चुकाकर,बाकी लोन पांच या सात साल मे खत्म करना चाहता हू।!मुझे कोई ऐसा कोई फार्मूला बताइए जिससे मै कितने रूपए की एक्सट्रा किसत जमा कराकर लोन से मुक्त हो सकता हू!मै आपकी सलाह का इन्तज़ार करूंगा
Could you please tell me if doing prepayment in the 11th month of first year of home loan is beneficial or could it be done any time during the 1st year for better tenure reduction?
Can you help to clarify at what time of a month it is better to prepay the amount? I was told that some simple interest is calculated, so better to pay the amount on 1st of every month rather than end of month
It depends on your emi date.. from the emi date, number of days is computed and accordingly the simple interest is calculated on those days For example, if emi date is 15th and you make prepayment on 20th than 5 days simple interest will be calculated
@@fincalc Thank you for taking time out to reply. But my loan manager said that irrespective of EMI date, the adjustment of prepayment against principle loan amount is always done from 1st of the month. Could you help confirm just once if this is true?
@@ashishpolinati4892 it depends on bank how they follow.. ideally they should be counting number of days from EMI date, but if the manager is saying they count from start of month, than better to make prepayment during start of the month..
Yes, It's true. I have recently done the pre-payment and bank charged me simple interest on amount. Simple interest rate is calculated from 1st day of the month and the day when we actually paid the amount.
Home Loan Me EMI choti rakhne ke baad baki ka pesa prepayment me dale to jaldi khatam ho sakti hai?? Iska regular emi payment karne ke bajaye iss તરીકે se jyada bhar sakte hai kyu ki prepayment sidha mul dhan se katatata hai agar me 25,000 ke bajaye 15000 ki emi rakhu or baki ka 10,000 bachake 12 mahine me sidha prepayment karu pira ka pura to mul dhan jaldi kam hoga ispe ray de apki home loan pe.....
2017 July mahine ma Mera parents 20 sal ka leya 8 lakh ka loan liya ha. emi 11069 pay kar ta har mahine ma. 6 year 7 month thak shrep emi dey rahi ha. to ham log prepayment kar sak ta ha 2024 sal se
Home Loan Repayment Tips Video Kaisa laga? COMMENT KARO 👇👇
Home Loan EMI Calculator:
fincalc-blog.in/home-loan-emi-calculator-and-calculation-method/
JOIN Telegram Group:
t.me/fincalc_tv_channel
Kya ye real h har Bank wale Aisa krte. H ki nhi
अच्छे से बताया ,धन्यवाद
On line process hona चाहिए
Nice Video Good Explanation in details
Good video brother
आपका वीडियो काफी मददगार है!मैने साठ लाख का होम लोन बीस साल की अवधी के लिए लिया था!सैतालिस हजार रूपए प्रति माह की किस्त चुका रहा हू!फिलहाल ब्याज साढे नो प्रतिशत की दर से एस बी आई बैंक ले रही है,मै दस लाख रुपए एकमुश्त चुकाकर,बाकी लोन पांच या सात साल मे खत्म करना चाहता हू।!मुझे कोई ऐसा कोई फार्मूला बताइए जिससे मै कितने रूपए की एक्सट्रा किसत जमा कराकर लोन से मुक्त हो सकता हू!मै आपकी सलाह का इन्तज़ार करूंगा
Apne capacity ke anusar Extra amount paid karke bank ko boliye tenure kam karne ko jaldi loan close ho jayega
Could you please tell me if doing prepayment in the 11th month of first year of home loan is beneficial or could it be done any time during the 1st year for better tenure reduction?
prepayment can be done anytime, sooner the better
Can you help to clarify at what time of a month it is better to prepay the amount? I was told that some simple interest is calculated, so better to pay the amount on 1st of every month rather than end of month
It depends on your emi date.. from the emi date, number of days is computed and accordingly the simple interest is calculated on those days
For example, if emi date is 15th and you make prepayment on 20th than 5 days simple interest will be calculated
@@fincalc Thank you for taking time out to reply. But my loan manager said that irrespective of EMI date, the adjustment of prepayment against principle loan amount is always done from 1st of the month. Could you help confirm just once if this is true?
@@ashishpolinati4892 it depends on bank how they follow.. ideally they should be counting number of days from EMI date, but if the manager is saying they count from start of month, than better to make prepayment during start of the month..
Thank you for the reply... so at least the bank is not charging me wrong amount...
Yes, It's true. I have recently done the pre-payment and bank charged me simple interest on amount. Simple interest rate is calculated from 1st day of the month and the day when we actually paid the amount.
Personal Loan Pre payment calculator
Do you have any calculator which can give input if we increase EMI % every year ?
Nice video
Thanks
How my home loan repayment witn 10yr instead of 20yr.I want to reduce the tenure from 240 to 120.
Home Loan Me EMI choti rakhne ke baad baki ka pesa prepayment me dale to jaldi khatam ho sakti hai?? Iska regular emi payment karne ke bajaye iss તરીકે se jyada bhar sakte hai kyu ki prepayment sidha mul dhan se katatata hai agar me 25,000 ke bajaye 15000 ki emi rakhu or baki ka 10,000 bachake 12 mahine me sidha prepayment karu pira ka pura to mul dhan jaldi kam hoga ispe ray de apki home loan pe.....
I agree 👍
Nahi ho pata
Excel sheet download nahi hoti he... some problem download excel sheet
Personal loan ki emi ko kaise increase kare taki jaldi complete ho jaye loan
I am having loan of Rs 16 lakh for 15 years.opting for partpayment.
Boss,if we paid extra payment on loan. In this case bank will raise intrest then it will came same tenure.
bank does not raise interest rate when you pay extra amount. Rate is linked to repo rate and accordingly changes
Ek financial year me kitne bar EMI pre payment kar sakte hai ?
Total loan amount ka 25 % tak kar sakte ho 1 year mei
1000000 loan 5 year ke liye calculation bataye
2017 July mahine ma Mera parents 20 sal ka leya 8 lakh ka loan liya ha. emi 11069 pay kar ta har mahine ma. 6 year 7 month thak shrep emi dey rahi ha. to ham log prepayment kar sak ta ha 2024 sal se
3 lakh ka persnol loan bacha hai. Home loan se 8lakh top up karwa k persnol loan pay kr du or baki bache paiseo se car lene m fayda h kya. Pls reply
Ya bache amount se 20 lakh home loan m 5lakh ka prepay kar du
Bro. I need home loan excel calculator with variable interest rate.
yes already made a video on variable interest rate home loan.
watch here: czcams.com/video/3EQvsWdBruY/video.html
hope this helps!
@@fincalc Thanks bro. I will watch
@@ganesangvm8936 welcome
@@fincalc Bro is it possible to download the Excel?
Aapki excel download nahi ho rahi he
Maine 30lakh home loan liya hai bank muje 29995emii diye agle 12emi kebad vosko 31500keya abmay kaykarna cahiya
Bal amount 1899233
Emi 16244
Roi 9.45
Bal months 320
Now I will pay 80000rs
Tell me Benefits????
Muje 20 lakh loan Lena hai morgaje loan hai iska mere ko emi Kitana lagega 10 sal ke liye
Hi
Mujhe aap 180000 ķa lone ka 20 month ka detel bataye
Bl 15350000 emi 15143 en 9.50
Didn't understand the SIP thing.
Apana Ghar hona chaya
Sar aapke mobile number bhejo
अच्छे से बताया ,धन्यवाद
On line process hona चाहिए
Personal Loan Pre payment calculator