Home Loan Prepayment करना चाहते हैं? पहले समझिए ये 4 जरूरी बातें

Suchita Mishra Mar 28,2024

होम लोन लेने के बाद जब हर महीने ईएमआई चुकाने की बारी आती है तो ये लोन बोझ लगने लगता है.

[{"selector":"#anim-06bd773b-b69d-4062-abcc-accb63999e27","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-9ffb8b68-973a-43b4-bbb9-ce54ba02d309","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-0d10ae02-569a-451e-a962-92de7df6365b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-9.601190541284682%, -2.6316436044432097%) scale(1.390625)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

इस लोन के बोझ को जल्‍दी उतारने का तरीका है होम लोन प्रीपेमेंट. लोन प्रीपेमेंट आंशिक या पूर्ण रूप से किया जा सकता है.

[{"selector":"#anim-9c30396d-42e0-4644-a2de-f4ccc9a31b57 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-2.599834825619062%, -7.626899742342728e-7%) scale(1.4273504273504274)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-820c7d1e-2bb9-4387-ae61-49f2b7e4a513","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-df8e5539-c1a2-4f41-b4ba-3b872cbfd47d","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

इससे आपका मूलधन कम होता है और आपकी ईएमआई छोटी हो जाती है. साथ ही आपका क्रेडिट स्‍कोर भी बेहतर होता है.

[{"selector":"#anim-5f78ab28-871a-49db-ae06-806a733ebaab [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-f48f69df-9596-41bc-9ec8-9496aa79605c","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-527d3575-3573-4b42-bb3e-854026c89e0e","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

लेकिन ये फैसला लेने से पहले आपको 4 बातों को अच्‍छे से समझ लेना चाहिए ताकि बाद में पछतावा न हो.

[{"selector":"#anim-6543208d-2aca-46c9-ad46-8d995e59d25b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e35cf58f-1efb-4935-b462-552310be152b","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-b37e960d-dd08-47fc-97aa-8946feaf5ea5","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

1. प्रीपेमेंट का फैसला लोन के शुरुआती समय में ही लिया जाए, तब फायदा है क्‍योंकि इससे आप अपना काफी इंटरेस्‍ट बचा सकते हैं.

[{"selector":"#anim-799d4feb-3459-4786-9a8b-1dfd4792c903","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-a97909cb-faa8-4ced-b9df-1deb3eb86f79","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-5728e304-a286-452a-bee2-cac4da42d9ec [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

2. अगर आपने होम लोन के अलावा कार लोन, पर्सनल लोन लिया है तो पहले उसे चुकाएं क्‍योंकि इनका ब्‍याज होम लोन से ज्‍यादा होता है.

[{"selector":"#anim-2b0d1864-1e55-4cad-9f07-1fb3e116325d [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-07b9f0a3-0ce0-4ac1-8c0c-beadeeefcdf9","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-adae9130-7600-40a5-a46a-6d0c6c9d2c5e","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

3. होम लोन प्रीपेमेंट के लिए इमरजेंसी फंड का इस्तेमाल नहीं करना चाहिए. इससे आपको भविष्‍य में परेशानियां उठानी पड़ सकती हैं.

[{"selector":"#anim-845d4062-2720-4fdc-a50a-db65993df635 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(13.636363492312247%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-14acc212-7749-47a1-8345-c98458428d88","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-653e38e0-df1a-43ae-bd85-3482e40551d5","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

4. लोन प्रीपेमेंट का फैसला पारिवारिक जिम्‍मेदारियों और आर्थिक स्थिति को देखकर लें. एफडी या पॉलिसी के पैसे से होम लोन प्रीपेमेंट न करें.

[{"selector":"#anim-c2a88307-6b53-4560-acb5-3be237b6458c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-7.485448566264542%, -20.32520217957564%) scale(1.4065040650406504)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9357043c-8de1-49f0-b7a7-e3f19f02bbb4","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-d9ee4e06-fa39-4fac-b62c-73b7d83b0554","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

Next: अप्रैल का मजा होगा दोगुना, चुनें ये 5 ऑफबीट प्लेस

Thanks For Reading! और खबरें देखें