Home Loan में एक गलती फिर 20 की जगह 30 साल देनी होगी EMI!

Home Loan में एक गलती से 20 की जगह 30 साल देनी होगी EMI!

Aishwarya Awasthi Jul 24,2024

घर खरीदने के लिए करीब हर कोई लोन लेता है.

[{"selector":"#anim-2f8cebb0-f29e-4905-8827-c673d4fa950a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f0caf9d-ff9b-451b-9565-2d4c25a28ab9","keyframes":{"transform":["translate3d(0px, 188.27728%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d4582e3f-952f-47a6-9fc5-7ba2984e3e11 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.1782638316600733%, -21.008402019469035%) scale(1.4201680672268908)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अक्सर जो लोन 20 साल में चुका सकते हैं, उसे चुकाने में 25-30 साल लग जाता है.

[{"selector":"#anim-146bbe2d-8a65-4fea-ab76-5c0aa343aaae [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, -24.99990291299781%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1906f456-255a-4ddd-b454-3b82f8f5bc47","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9db15fab-aeb1-4b3d-a2ab-428d10335da1","keyframes":{"transform":["translate3d(0px, 204.79103%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

असल में जब ब्याज दरों में बदलाव होता है तो लोन चुकाने की अवधि बढ़ती है.

[{"selector":"#anim-903c2826-30ed-44da-bcdb-8b91e313ff82","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7c716d8e-facb-496e-a309-55d8966335c4","keyframes":{"transform":["translate3d(0px, 197.45157%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2a241df2-ed73-480d-938f-7167e07516f4 [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"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

शुरू में हम ध्यान नहीं देते हैं इसपर फिर बैंक से शिकायत करते हैं.

[{"selector":"#anim-24e66660-5253-460f-8405-7e2f7d0e8b73 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(10.237181566945464%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-0d3cebae-f204-4132-9d9a-2705b92155ad","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7a66d4c1-d499-4191-93f2-44cfd34afd6e","keyframes":{"transform":["translate3d(0px, 291.86233%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

मानें आपने 8% की दर पर 30 लाख रुपये का लोन 20 साल के लिए लिया है.

[{"selector":"#anim-7292ffa4-2d27-437f-9461-e617f2de9585","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a821264a-5b81-4c87-9078-cb36538e916e","keyframes":{"transform":["translate3d(0px, 154.26179%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a3631609-ce1d-491b-a9e3-3573a6530257 [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"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इस तरह से ईएमआई करीब 25,093 रुपये की बनेगी.

[{"selector":"#anim-8d10269b-1e1a-4646-99d6-d37a3f96f11e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7518730b-d85b-452b-92e5-3fb86d535f8a","keyframes":{"transform":["translate3d(0px, 293.27085%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-54992ac8-4b91-4337-9034-b4812deb8a7c [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"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अगर लोन लेने के 5 साल बाद होम लोन की दर 11 फीसदी हो जाती है.

[{"selector":"#anim-79cf2c57-ff0b-4b5a-81c7-799ca31ea23d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f41c3888-6f92-45a3-8ee5-a871aa0b78f8","keyframes":{"transform":["translate3d(0px, 328.48206%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e4a70a45-bf59-4e3a-90ec-7bfd8f7262eb [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"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इस वक्त लोन का आउटस्टैंडिंग प्रिंसिपल अमाउंट 26 लाख रुपये के करीब बचेगा.

[{"selector":"#anim-22823139-a1c5-472c-ab51-9996a3773612","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a9f48cb6-ff2e-41c7-97d0-0d110a732061","keyframes":{"transform":["translate3d(0px, 152.20698%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56013c50-6fe3-47bf-ada4-99cc9c58d7d3 [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"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

5 साल बाद की स्थिति में लगता है कि ईएमआई के अब 15 साल बचे हैं.

[{"selector":"#anim-508d93f4-75c2-486b-994f-c48dca09ea5d [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-08583c8e-f8bc-4310-b3be-285c53839ca5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d7542d3e-7632-4cd8-8c2c-dd26d5a289c1","keyframes":{"transform":["translate3d(0px, 203.87361%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

जबकि, ब्याज दर बढ़ने के साथ लोन के टाइम के साथ एडजस्ट कर दिया जाता है.

[{"selector":"#anim-328e01a5-64ed-4b9c-a05e-879b6d2b7afb [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-7af9085d-0faf-4052-991d-9a8021be0923","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a151d8f6-254c-42de-99d7-1605f8dca1ec","keyframes":{"transform":["translate3d(0px, 165.22066%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ऐसा होता है ताकि ग्राहकों पर अधिक ईएमआई का बोझ ना पड़े.

[{"selector":"#anim-9fa4197c-794d-47b4-85d8-dd778536b89f [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-9af4bf3a-634b-46a3-96a0-24f12a9b5861","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f78b5d31-0a0a-41a6-925c-bd0d8a5770bb","keyframes":{"transform":["translate3d(0px, 222.22226%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अगर ईएमआई पहले जितनी 25,093 रुपये के करीब ही रखी जाती है. तो लोन की बची हुई अवधि 15 साल नहीं, बल्कि 28 साल हो जाएगी.

[{"selector":"#anim-32b1f53c-4a8b-41ad-a75a-c33343b2416e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-7871daa7-bff6-417f-ae6b-2327073f3e5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-016dc596-e6e6-4677-831a-69acbbbb0a14","keyframes":{"transform":["translate3d(0px, 142.51209%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ईएमआई 15 साल के हिसाब से देखी जाए तो वह 29,500 रुपये के करीब हो जाएगी.

[{"selector":"#anim-df589df0-e16c-4afd-9587-302eaf73b1c8 [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-88fc3dce-74b7-462a-b349-b084be8f0a26","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b25e0a47-dac3-4a2a-ac3b-dd223d42f193","keyframes":{"transform":["translate3d(0px, 224.97451%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ईएमआई ना बढ़ाने पर आप 20 साल में चुकाने वाले लोन को करीब 33 साल में चुकाएंगे.

[{"selector":"#anim-e5072c5c-7af4-43ca-a4cb-b8aef35c64bb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-3e860022-60f8-44d7-a240-6c45880d6e54","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3dfa318-3431-4f36-8d16-172073757e70","keyframes":{"transform":["translate3d(0px, 203.87361%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

आप चाहते हैं कि लोन का ना टाइम बढ़े, तो जब-जब ब्याज दरें बढ़ें, तो बैंक से बात कर के अपने हम लोन की जानकारी लें.

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