Hom Loan Lene Mein Dikhaaen Hoshiyaari

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Hom Loan Lene Mein Dikhaaen Hoshiyaari

shivaanand Dwivedi sahar. . Apne sapanon ka ghar kaun naheen banaana chaahata. Is sapane ko saakaar karne mein madadgaar hai hom loan. Ghar ka haseen sapana bura sapana na ban jaae isliye hom loan ke baare mein tafseel se jaanana bahut jaroori hai: Kya hai hom loan? Mahange hote reeyal state ke baajaar mein apna makaan banaane ke liye aaj hom loan jaroorat bana gaya hai. Sachaai yahi hai ki aaj ke vakt mein reeyal state se judi jyaadaatar badi deels loan ke jariye hi hoti hain. Jab bank makaan khareedne ke liye byaaj ke saath mool rakam ko vaapas karne ke liye loan dete hain, to ise hi hom loan kaha jaata hai. Kisi ko jyaada se jyaada kitna loan diya ja sakta hai, bank iska nirdhaaran sailari, prauparti aadi ke aadhaar par karte hai. Iske alaava aapki kul inakam, sailari, kharch aadi ka verifikeshan bhi kiya jaata hai. Kya hai EMI? EMI ka matlab hota hai, ikveted manthali instaulameint. Vah rakam jo liye gaye loan ke bhugataan ke taur par har maheene bank ko tay kishton mein byaaj ke saath vaapas karni hoti hai. EMI mein do tarah ke amaaunt shaamil hain , principle amaaunt aur intarest amaaunt. Principle amaaunt vah mool rakam hai jo aap bank se loan ke roop mein lete hain, jabki intarest amaaunt aapki loan rakam par lagaane vaala byaaj hota hai. Alag-alag EMI plaans aksar loan lekar apna sapana saakaar karne ke josh mein log EMI plaans ko theek se naheen samajh paate aur unhein bhugataan apni gaadhi kamaai se karna padta hai. Loan diye jaane ke samay bank alag-alag tarah ki EMI skeems aapko bataate hain. Samajhein apna EMI plaan - is baat ka khaas khyaal rakhein ki aap baajaar mein khade hain, isliye apne faayde ka sauda dekh kar hi deal karein. - aksar aisa hota hai ki EMI plaan karte samay aap door ki naheen sochate aur EMI adavaaijar ki baaton ko hi sahi maan baithate hai. Sabhi shankaaon ka samaadhaan hone tak loan na lein. - jyaadaatar log short EMI aur laung dyooreshan ka plaan isliye chun lete hain kyonki unako yah dikhta hai ki har maheene kam paisa dena padega. Baajaar aur munaafe ke hisaab se yah ghaate ki deal hai. - dikhne waali aasaan kishton ke naam par short EMI-laung dyooreshan ka plaan chun lene ka seedha asar kul byaaj par padta hai aur kastamar ko jyaada rakam byaaj ke taur par deni padti hai. EMI plaining par eksapart salaah hom loan salaahakaar ki tarah kai saalon se kaam kar rahe Abhishek ka kehna hai ki: -loan lete vakt sabse pehle apni jeb ka daayara samajhein. -ek achhi EMI plaining vah hai, jismein ham apne bajat ke hisaab se maiksimm EMI minimm dyooreshan tay karein. -jitni jyaada amaaunt ka EMI ham le paaenge, hamaare loan ki dyooreshan utani hi kam hogi aur isse kul byaaj mein bhaari kami aaegi. - hamaari pehli koshish adhik se adhik principle amaaunt chukaane ki honi chaahiye. Intarest ke jaal ko aise samajhein - aamtaur par sabhi bank is tarah ke EMI plaans rakhate hain, jismein jyaada se jyaada byaaj vasoola ja sake. Uske baad hi mooladhan rikvar ki baat aati hai. - maan leejiye agar aapne kisi bank se 20 saal ke liye 11 feesadi byaaj par 20 lakh rupae ka loan liya. Is EMI skeem ke tahat aapko har maheene takareeban 20,644 rupae dene honge. Agar aap is amaaunt par gaur karein, to aapne beshak 20,644 rupae bank ko diye, lekin is amaaunt mein se keval 18,333 rupae byaaj ke taur par bank mein jama hue, jabki aapke principle amaaunt ke taur par keval 2310 rupae gaye. Iska matlab kul 20 lakh ki loan rakam se maatr 2310 rupae kam hue aur agale maheene aapko 19 lakh 97 hajaar 910 rupae par byaaj dena hoga. - is skeem se ek baat saaf samajh mein aati hai ki agar principle amaaunt kam jama hoga, to byaaj jyaada dena padega. - agar ham loan ka dyooreshan kam karke ise 15 saal ka kar lein, to hamaari EMI 22,732 rupae hogi. Is skeem mein hamaara principle amaaunt 2310 rupae ki bajaay lagbhag usaka doguna yaani 4399 rupae ho jaaega. Software aips bhi kareinge madad takaneek ke is daur mein EMI plaining se jude tamaam software bhi aasaani se upalabdh hain. Google aindrauyad aiplikeshan EMI eksapart pro aisa hi ek achha software aip hai, haalaanki yah free naheen hai, iski keemat 99 rupae hai. Aise sauftaveyars aapko har ek skeem ke faayde aur nuksaan sekandon mein samjha dete hain.

Hom Loan Lene Mein Dikhaaen Hoshiyaari https://www.angrejinews.com/pic/7718