Jab bhi hum loan ya EMI par koi cheez lene ki baat karte hain, to sabse pehla sawal hota hai – EMI kya hoti hai? Is article me hum EMI ka matlab, EMI kaise calculate hoti hai, EMI ke fayde aur nuksan sab kuch simple Hindi me samjhayenge.

EMI Kya Hoti Hai?

EMI ka full form hota hai Equated Monthly Installment. EMI ek fixed amount hoti hai jo borrower har mahine bank ya finance company ko loan repayment ke liye pay karta hai. EMI me principal amount + interest dono include hote hain.

EMI Ka Matlab Simple Words Me

EMI ka matlab hota hai loan ki rakam ko chhote-chhote monthly payments me chukana. Jaise agar aapne ₹2,00,000 ka loan liya hai aur tenure 24 months ka hai, to aap har mahine ek fixed EMI pay karenge.

EMI Kaise Calculate Hoti Hai?

EMI calculation teen cheezon par depend karti hai:

  • Loan Amount (Principal)
  • Interest Rate
  • Loan Tenure

EMI Calculation Formula

EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]

  • P = Loan Amount
  • R = Monthly Interest Rate
  • N = Total Number of Months

Example:

Agar aap ₹1,00,000 ka loan 12% annual interest par 12 months ke liye lete hain, to aapki EMI approx ₹8,885 hogi.

EMI Ke Fayde (Advantages of EMI)

  • Large amount ek saath pay nahi karna padta
  • Monthly budget manage karna easy hota hai
  • Fixed EMI hone se financial planning better hoti hai
  • Credit score improve karne me help milti hai
  • Car, bike, home jaise assets asani se mil jaate hain

EMI Ke Nuksan (Disadvantages of EMI)

  • Interest ke kaaran extra payment karni padti hai
  • Late payment par penalty lag sakti hai
  • EMI zyada hone par monthly expenses badh jaate hain
  • Loan default hone par credit score kharab hota hai

EMI Par Loan Lene Se Pehle Kya Dhyan Rakhe?

  • Apni income ke hisaab se EMI choose kare
  • Interest rate compare kare
  • Prepayment charges check kare
  • Tenure zyada lamba na rakhe

EMI Aur Credit Score Ka Relation

Agar aap time par EMI pay karte hain to aapka CIBIL score improve hota hai. Lekin agar EMI miss hoti hai ya delay hota hai to credit score negatively impact hota hai.

FAQs – EMI Se Jude Sawal

Q1: EMI kab se start hoti hai?
Ans: EMI loan disbursement ke agle mahine se start ho jaati hai, lekin kuch cases me same month bhi ho sakti hai.

Q2: Kya EMI kam kar sakte hain?
Ans: Haan, aap loan tenure badhakar ya prepayment karke EMI kam kar sakte hain.

Q3: EMI miss ho jaye to kya hota hai?
Ans: EMI miss hone par late fees lagti hai aur credit score par bura asar padta hai.

Conclusion

EMI loan repayment ka sabse convenient tarika hai, lekin loan lene se pehle EMI calculation aur apni repayment capacity ko samajhna bahut zaroori hai. Sahi planning ke saath EMI aapke liye faydemand ho sakti hai.