Yeh Tool Kya Karta Hai
Yeh simulator aapko grih rin ki asli lagat samajhne mein madad karta hai. Yeh monthly payments, byaaj aur poori repayment ka samay batata hai, wahi formulas use karke jo banks use karte hain — lekin poori transparency aur control ke saath.
Kaise Istemaal Karein
- Loan ka Prakar Chunein – Naya loan ya existing loan ka refinance.
- Property ya Loan ka Moolya Set Karein – 50,000 se 18,50,000 ke beech.
- Down Payment Adjust Karein (naye loans ke liye) – Sampatti ke moolya ka 3% se 80% tak.
- Loan ki Avadhi Chunein – 3 se 35 varsh tak
- Byaaj ka Prakar Chunein – Nishchit, Parivartansheel ya Mishrit.
Byaaj Ki Jankari
- Nishchit – Byaaj kabhi badalta nahi. Stable aur predictable.
- Parivartansheel – Har 3–6 mahine mein badal sakta hai. Payments badh bhi sakti hain aur kam bhi.
- Mishrit – Shuru mein nishchit, baad mein parivartansheel hota hai.
Jaldi Bhugtan
Ek baar ya baar-baar hone wale payments add karein aur dekhein unka loan par kya prabhav padta hai. Amortization schedule turant update hoti hai:
- Kitne mahine aap bacha sakte hain
- Kitna byaaj aap bachate hain
Amortization Table
Pratyek mahine ke hisse mein mool rashi, byaaj, fees aur balance dikhaya jaata hai. Yeh loan ki puri picture deta hai.