Aaj kal har dusra insaan loan EMI bhar raha hai – chahe wo home loan ho, personal loan ho ya bike loan. Lekin jab income same rahe aur kharch badh jaye, tab sabse bada pressure hota hai monthly EMI ka.
Agar aap search kar rahe ho “EMI kam kaise kare”, “loan ki kist kam kaise kare”, ya “interest rate kam kaise kare”, to yeh guide aapke liye hai.
EMI Kya Hoti Hai?
EMI ka full form hai Equated Monthly Installment. Yeh wo fixed amount hota hai jo aap har mahine bank ko dete ho jab tak loan pura repay nahi ho jata.
Agar aap apni EMI calculate karna chahte ho to yahan use kare:
- Personal Loan EMI Calculator
- Home Loan EMI Calculator
- Education Loan EMI Calculator
- Bike Loan EMI Calculator
Example Samajhiye
| Loan Amount | Interest Rate | Tenure | EMI |
|---|---|---|---|
| ₹5,00,000 | 12% | 5 Years | ₹11,122 |
Ab agar aap EMI ₹11,122 se kam karna chahte ho, to niche diye gaye legal tarike follow kare.
EMI Kam Karne Ke 7 Legal Tarike
1️⃣ Loan Tenure Badhaye
Jab aap tenure badhate ho, EMI kam ho jati hai. Example:
| Tenure | EMI |
|---|---|
| 5 Years | ₹11,122 |
| 7 Years | ₹8,822 |
Lekin yaad rakhe: total interest zyada dena padega.
---2️⃣ Balance Transfer Kare
Agar dusra bank kam interest de raha hai, to loan transfer kare.
Loan compare karne ke liye use kare: Loan Comparison Calculator
---3️⃣ Part Prepayment Kare
Bonus ya extra income se thoda principal repay kar de. Isse EMI ya tenure dono kam ho sakte hain.
---4️⃣ Interest Rate Negotiation Kare
Achha CIBIL score ho (700+), to bank se rate kam karne ki request kare.
Apna score check kare: Free CIBIL Score Checker
---5️⃣ Floating Rate Option Choose Kare
Floating rate me RBI rate kam kare to aapki EMI bhi kam ho sakti hai.
---6️⃣ EMI Restructuring
Financial problem ho to bank se EMI restructure karwa sakte ho.
---7️⃣ High Interest Loan Ko Pehle Close Kare
Sabse pehle personal loan ya credit card loan close kare jiska interest sabse zyada ho.
Smart Planning Tools (Digital Tours)
- All Financial Calculators
- Salary In-Hand Calculator
- Loan Eligibility Calculator
- Flat vs Reducing Interest Rate
FAQs – EMI Kam Karne Se Related
Q1. Kya EMI kam karne se CIBIL score affect hota hai?
Nahi, jab tak aap time par payment karte ho.
Q2. EMI kam karne ka sabse best tarika kya hai?
Part prepayment aur balance transfer sabse effective hote hain.
Q3. Kya tenure badhane se nuksaan hota hai?
EMI kam hoti hai, lekin total interest zyada dena padta hai.
Conclusion
EMI kam karna bilkul possible hai — bas aapko sahi strategy choose karni hai. Sabse pehle apni EMI calculate kare, fir compare kare, fir decision le.
Smart decision lene ke liye visit kare: Digital Tours Financial Calculators
