EMI Lene Se Pehle Yeh Zaroor Jaano
EMI Lene Se Pehle Yeh Zaroor Jaano By wealthchecker Team | Loans | 6 min read EMI aaj ki duniya mein normal hai — par bahut log EMI trap mein phans jaate hain. Samajhte hain ki EMI smartly kab leni chahiye aur kab nahi. EMI Kaam Kaise Karta Hai? EMI = Equated Monthly Installment. Ek formula se calculate hoti hai jisme principal aur interest dono hote hain. Pehle EMIs mein zyada interest hota hai, last mein zyada principal. EMI Formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1) P = Principal, r = monthly interest rate, n = number of months Safe EMI Kitni Honi Chahiye? Ek golden rule hai — saari EMIs milake income ke 35-40% se zyada nahi honi chahiye. Agar income ₹50,000 hai, toh max ₹17,500-20,000 ki EMIs. Income Max Safe EMI (35%) Risky EMI (above) ₹30,000 ₹10,500 ₹10,500+ ₹50,000 ₹17,500 ₹17,500+ ₹80,000 ₹28,000 ₹28,000+ Prepayment Kab Karein? Jab bhi extra paisa ho — bonus, increment, gift — pehle high-interest loan prepay karo. Home loan ka interest rate 8-9% hai, toh FD ya savings...