Home Loan Strategy Calculator

Normal EMI vs 1 Extra EMI Every Year vs Annual EMI Increase — Complete Comparison & Prepayment Savings

Loan & Prepayment Strategy Parameters

Loan Amount (₹) ₹30,00,000 (30 Lakh)

Quick Presets:

Interest Rate (% per annum) 7.50%

Bank Rates:

Original Tenure 25 Years (300 Mo)

Strategy 1: Extra EMI / Year Prepayment

Paid once every 12th month directly towards principal

Strategy 2: Annual EMI % Increase Step-Up

EMI automatically steps up each new year with salary growth

Strategy 2 — Year-Wise Repayment Schedule

Yearly EMI, total payment, interest paid, principal repaid, and year-end loan balance

Year	Months	Monthly EMI	Year Payment	Interest Paid	Principal Paid	Year-End Balance

Strategy 2 — Month-Wise Complete Repayment Schedule

Detailed breakdown of scheduled EMI, actual payment, interest, principal, and remaining balance for each month

Month	Year	Scheduled EMI	Actual Payment	Interest	Principal	Remaining Balance

महत्त्वाच्या टीपा & धोरण (Loan Strategy Insights)

१. रिड्यूसिंग बॅलन्स पद्धत (Monthly Reducing Balance):
हे कॅल्क्युलेशन मासिक घटत्या मुद्दलावर (Monthly Reducing-Balance EMI) आधारित आहे. Prepayment मुळे मुद्दल (Principal) वेगाने कमी होते, ज्यामुळे पुढील महिन्यांचे व्याज आपोआप मोठ्या प्रमाणात घटते.

२. एक्स्ट्रा ईएमआय धोरण (Strategy 1):
वर्षाला फक्त १ किंवा २ जास्तीचे ईएमआय (उदा. दिवाळी/वार्षिक बोनस वेळी) दिल्यास २५ वर्षांचे कर्ज साधारण १७ ते १९ वर्षांत पूर्ण संपू शकते आणि लाखो रुपयांचे व्याज वाचते.

३. स्टेप-अप ईएमआय वाढ (Strategy 2):
दरवर्षी नोकरीतील पगारवाढीसोबत (Annual Appraisal) ईएमआय ५% ते १०% वाढवल्यास कर्ज निम्म्या वेळेत (१०-१२ वर्षांत) नील होते. शेवटच्या महिन्यात शिल्लक रकमेपेक्षा जास्त पैसे जाऊ नयेत म्हणून अंतिम हप्ता स्वयंचलित समायोजित (Auto-Adjust) केला जातो.

४. कर सवलत (Tax Benefits):
कलम 80C अंतर्गत मुद्दल फेडीवर ₹१.५ लाखांपर्यंत आणि कलम 24(b) अंतर्गत भरलेल्या व्याजावर ₹२ लाखांपर्यंत आयकर सूट मिळते.

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Frequently Asked Questions (FAQ)

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