Loan EMI calculator ke baare mein
EMI (Equated Monthly Instalment) woh barabar qist hai jo aap har mahine bank ko dete hain. Is mein sood aur asal raqam dono shamil hote hain. Shuru mein sood ka hissa zyada hota hai aur waqt ke saath asal raqam ka hissa barhta jata hai.
Yeh calculator car loan, home loan aur personal loan sab ke liye kaam karta hai aur saal-ba-saal schedule bhi dikhata hai.
Istemal kaise karein
- Loan ki raqam likhein (down payment ke baad).
- Bank ka saalana markup rate daalein. Pakistan mein yeh aam tor par KIBOR + bank margin hota hai.
- Muddat saalon mein daalein. Qist aur schedule foran ban jayega.
Formula
Misaal
Misaal: Rs 30 lakh ka loan, 14% markup aur 5 saal ki muddat par qist taqreeban Rs 69,800 mahana banti hai.
Aksar pooche jane wale sawal
KIBOR kya hai?
Karachi Inter-Bank Offered Rate, jis par banks variable loans ka markup tay karte hain. KIBOR badalne se aap ki qist bhi badal sakti hai.
Jaldi loan ada karne ka faida hai?
Haan, jaldi adaigi se baqi sood bach jata hai. Lekin kuch banks early settlement par fee lete hain, pehle check kar lein.
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