Loan letay waqt EMI (Equated Monthly Installment) samajhna sab se zaroori hai. EMI do parts par mushtamil hoti hai: principal amount aur interest. Har month aap jo EMI dete hain us main se kuch principal aur kuch interest hota hai. Shuru ke months main interest ka hissa zyada hota hai jo ahistah ahistah kam hota hai.
EMI formula: EMI = P * r * (1+r)^n / ((1+r)^n - 1) jahan P = loan amount, r = monthly interest rate (annual rate/12/100), n = months. Pakistan main personal loan ki rates 18-25% hoti hain, home loan ki 17-20%, aur car loan ki 22-30%.
Loan ki total cost samajhna bohat zaroori hai. Example: Rs. 500,000 ka personal loan 20% par 3 years kay liye lene par total repayment Rs. 667,000 hoga - yani Rs. 167,000 extra sirf interest main. Diminishing rate (KIBOR + spread) wale loans zyada beneficial hote hain kyunke interest har mahine principal balance par calculate hota hai.
Loan lene se pehle credit score check karein. Pakistan main eCIBIL score (250-1000) aap ki creditworthiness batata hai. 700+ score ko acha mana jata hai. Loan prepayment charges aur processing fee kay baarey main bhi pata karein.
?? Calculate Loan EMI