Banking Mein No Ulloo Banaaving

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Banking Mein No Ulloo Banaaving

Kastamars ko lubhaane ke liye bank praaya: Lachhedaar jumalon ka istemaal karte hain. Narendra Nathan yahaan bata rahe hain aisi hi kuchh kauman triks aur unase bachane ke tareekon ke baare meinflait rate of intarest bank kehte hain: 10% ka flat rate behad sasta hai parade ke peechhe ka khel EMI kailakulet karne ke liye loan par kul intarest ko principle amaaunt mein joda jaata hai aur fir milne vaale aankade ko maheenon ki sankhya se divaaid kiya jaata hai. Masalan 5 saal ke liye 10 parseint ki rate se 5 lakh rupaye ke loan par EMI ki ganana is tarah hogi. Total intarest peebal: 50,000 x 5 saal = 2.5 lakh principle amaaunt + intarest = 7.5 lakh EMI: 7.5 lakh/60 maheene = 12,500 rupayekaise lagti hai chapat: Aapne bhale hi pehle maheene se loan reepemeint shuroo kar diya ho, lekin aapse intarest poore amaaunt par liya jaata hai. Ridyoosing baileins ke anusaar ifektiv rate 17.3 parseint tak baithati hai. Fiksd rate of intarest bank kehte hain: Intarest rate aur EMI fiksd hainparade ke peechhe ka khel bank fiksd rate vaale loan par jyaada intarest vasoolate hain. Ve yeh bhi khulaasa naheen karte hain ki rate kuchh hi varshon (aamtaur par 3 se 5 saal) ke liye fiksd hai. 15 saal ke liye 20 lakh rupaye ke loan ka maamala: Fiksd rate of intarest: 13 parseint floting rate of intarest: 11 parseint fiksd rate kanjyoomar ki or se 4 saal mein di gayi ekstra rakam: 1.60 lakh rupayekaise lagti hai chapat: Pehle 3-4 varshon mein jyaada rate vasoole jaane ke baad aapka loan floting rate vaale loan mein kanvart kar diya jaaega. Aap shuroo se hi floting rate chun sakte hain aur kam rate ka faayda le sakte hain. Minimm pemeint bank kehte hain: Aap chaahein to kredit card bill ka keval 5 parseint hi pe karein. Parade ke peechhe ka khel agar aap baileins ko kairi forward karein to aapko is par 2.5-3 parseint byaaj dena padega. Kredit card baileins udhaar lene ka sabse mahanga tareeka hai. Is par 30-36 parseint saalaana ki dar se byaaj lagta hai. Kredit card rol over chaarj: 3 parseint prati maah amaaunt rol over: 25,000 rupaye intarest peebal: 750 rupaye aur taiksakaise lagti hai chapat baileins par lagne waali oonchi byaaj dar hi aapko jhatka naheen deti. Agale biling saaikal tak aap jo bhi khareedaari kareinge, us par bhi 2.5-3 parseint prati maah ki dar se byaaj liya jaata hai. Lihaaja tay taareekh tak poora amaaunt chukaane ka prayaas karein. Adavaans EMI bank kehte hain: 3-4 EMI advance mein chukaai ja sakti hai. Parade ke peechhe ka khel adavaans mein 3-4 EMI lekar bank daraasal loan amaaunt kam karta hai, lekin intarest poore amaaunt par leta hai. 30,000 rupaye ka loan 12 maheene ke liye 12% intarest rate par: EMI: 2,665 rupaye 3 adavaans EMI: 7,995 rupaye ifektiv loan amaaunt: 22,005 rupayekaise lagti hai chapat: Adavaans mein di gayi teen EMI se loan amaaunt kam hota hai, lekin aapse poore amaaunt par byaaj liya jaata hai. Is tarah ifektiv intarest rate 21 parseint tak chali jaati hai. Free Ed-on card bank kehte hain: Kredit kaurd par koi jauining fi naheen. Parade ke peechhe ka khel keval jauining fi hi hataai gayi hai. Aapse adishnal card par ainual fi vasooli jaaegi. Jauining fi: Shoonya ainual fi: 500-1,000 rupayekaise lagti hai chapat: Ho sakta hai ki aap aise card ke liye fees dein, jiski aapko jaroorat hi na ho. Isse bhi bura yeh ki agar aapne chaarjej par vivaad kiya aur bakaaya naheen chukaaya to aapka kredit score khatre mein pad sakta hai. Ainual resting bank kehte hain: Saamaanya kism ke loan ki tulana mein intarest rate kam hai. Parade ke peechhe ka khel intarest ke flat rate ka yeh variation ainual ridyoosing kailakuleshan par kaam karta hai. EMI ki ganana saal ke ant mein hoti hai. Ainual resting: 10 parseint manthali ridyoosing: 10.47 parseintakaise lagti hai chapat principle amaaunt ka bhugataan saal ke ant mein hota hai, lihaaja byaaj ka bojh badh jaata hai. Manthali ridyoosing strakchar vaale loan ka vikalp chunana behtar hota hai. Ifektiv yeeld bank kehte hain: In efadi par jyaada yeeld haath lagta hai. Kaise lagti hai chapat bank final vailyoo ki ganana karte hain aur faayde mein varshon ki sankhya se bhaag dekar intarest ki flat rate nikaalate hain. Ise ifektiv yeeld bataaya jaata hai aur yeh kanpaaunded vailyoo se jyaada hota hai. Inavested amaaunt: 5 saal ke liye 10,000 rupaye 9% byaaj par maichyoriti vailyoo: 15,605 rupaye haasil byaaj: 5,605 rupaye ifektiv yeeld: 5,605/5 = 11.21%kaise lagti hai chapat: Kvaartarli kanpaaunding ke kaaran yeeld kuchh oopar chala jaata hai, lekin yeh projekted amaaunt se kam hota hai. Kvaartarli kanpaaunding ke hisaab se enualaaijd yeeld mahaj 9.31% hoga. Dipaujit inshyoreins bank kehte hain: Aapki rakam surakshit hai kyonki dipaujit ka inshyoreins hai. Parade ke peechhe ka khel: Kisi bhi bank mein jama aapke 1 lakh rupaye hi inshyord hote hain. Lihaaja agar aapne kisi ek bank mein 1 lakh rupaye se jyaada rakam jama ki ho to risk badhta hai. Maiksimm dipaujit inshyord: 1 lakh rupaye prati bank prati vyaktikaise lagti hai chapat: Bade shedyoold bankon ke maamale mein nuksaan ki aashanka kam hoti hai. Haalaanki inavestars agar kooparetiv bankon ki jyaada byaaj daron ke jhaanse mein aa jaaen to ve jokhim mein pad sakte hain.

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