🏠 होम लोन (मॉर्गेज) कैलकुलेटर
घर की कीमत, डाउन पेमेंट, ब्याज दर और अवधि से शुरुआत करें। फिर वे खर्च जोड़ें जो बैंक किस्त के साथ वसूलता है, और हर माह थोड़ा अतिरिक्त भुगतान करके देखें कि इससे कितने साल और कितना ब्याज बचता है।
संक्षिप्त उत्तर: होम लोन की मासिक किस्त M = P × r(1+r)^n ÷ ((1+r)^n − 1) होती है, जिसमें प्रॉपर्टी टैक्स, बीमा और PMI जुड़ते हैं। उदाहरण: 6.5% पर 30 साल के लिए $3,20,000 के लोन पर मूलधन और ब्याज की किस्त लगभग $2,023 प्रति माह बनती है।
अभी तक कोई रेटिंग नहीं · अंतिम अपडेट · मुफ़्त · साइन-अप की ज़रूरत नहीं
होम लोन (मॉर्गेज) कैलकुलेटर के इनपुट
परिणाम
कुल मासिक किस्त
$2,547.62
| मूलधन और ब्याज | $2,022.62 |
| प्रॉपर्टी टैक्स | $400.00 |
| घर का बीमा | $125.00 |
- ऋण राशि
- $3,20,000
- डाउन पेमेंट
- $80,000
- कुल ब्याज
- $4,08,141
- लोन चुकता होने में
- 30 वर्ष
मूलधनब्याज
ऋण चुकौती अनुसूची
| वर्ष | मूलधन | ब्याज | बकाया राशि |
|---|---|---|---|
| 1 | $3,576.76 | $20,694.68 | $3,16,423.24 |
| 2 | $3,816.28 | $20,455.16 | $3,12,606.96 |
| 3 | $4,071.88 | $20,199.56 | $3,08,535.08 |
| 4 | $4,344.57 | $19,926.87 | $3,04,190.51 |
| 5 | $4,635.54 | $19,635.90 | $2,99,554.97 |
| 6 | $4,946.00 | $19,325.44 | $2,94,608.97 |
| 7 | $5,277.22 | $18,994.22 | $2,89,331.75 |
| 8 | $5,630.65 | $18,640.79 | $2,83,701.10 |
| 9 | $6,007.75 | $18,263.69 | $2,77,693.35 |
| 10 | $6,410.11 | $17,861.33 | $2,71,283.24 |
| 11 | $6,839.41 | $17,432.03 | $2,64,443.83 |
| 12 | $7,297.46 | $16,973.98 | $2,57,146.37 |
| 13 | $7,786.17 | $16,485.27 | $2,49,360.20 |
| 14 | $8,307.62 | $15,963.82 | $2,41,052.58 |
| 15 | $8,864.02 | $15,407.42 | $2,32,188.56 |
| 16 | $9,457.63 | $14,813.81 | $2,22,730.93 |
| 17 | $10,091.05 | $14,180.39 | $2,12,639.88 |
| 18 | $10,766.86 | $13,504.58 | $2,01,873.02 |
| 19 | $11,487.93 | $12,783.51 | $1,90,385.09 |
| 20 | $12,257.30 | $12,014.14 | $1,78,127.79 |
| 21 | $13,078.20 | $11,193.24 | $1,65,049.59 |
| 22 | $13,954.06 | $10,317.38 | $1,51,095.53 |
| 23 | $14,888.61 | $9,382.83 | $1,36,206.92 |
| 24 | $15,885.71 | $8,385.73 | $1,20,321.21 |
| 25 | $16,949.60 | $7,321.84 | $1,03,371.61 |
| 26 | $18,084.76 | $6,186.68 | $85,286.85 |
| 27 | $19,295.92 | $4,975.52 | $65,990.93 |
| 28 | $20,588.22 | $3,683.22 | $45,402.71 |
| 29 | $21,967.04 | $2,304.40 | $23,435.67 |
| 30 | $23,435.67 | $833.21 | $0.00 |
मासिक अनुसूची देखें (360 किस्तें)
| # | किस्त | मूलधन | ब्याज | बकाया राशि |
|---|---|---|---|---|
| 1 | $2,022.62 | $289.29 | $1,733.33 | $3,19,710.71 |
| 2 | $2,022.62 | $290.85 | $1,731.77 | $3,19,419.86 |
| 3 | $2,022.62 | $292.43 | $1,730.19 | $3,19,127.43 |
| 4 | $2,022.62 | $294.01 | $1,728.61 | $3,18,833.42 |
| 5 | $2,022.62 | $295.61 | $1,727.01 | $3,18,537.81 |
| 6 | $2,022.62 | $297.21 | $1,725.41 | $3,18,240.60 |
| 7 | $2,022.62 | $298.82 | $1,723.80 | $3,17,941.78 |
| 8 | $2,022.62 | $300.44 | $1,722.18 | $3,17,641.34 |
| 9 | $2,022.62 | $302.06 | $1,720.56 | $3,17,339.28 |
| 10 | $2,022.62 | $303.70 | $1,718.92 | $3,17,035.58 |
| 11 | $2,022.62 | $305.34 | $1,717.28 | $3,16,730.24 |
| 12 | $2,022.62 | $307.00 | $1,715.62 | $3,16,423.24 |
| 13 | $2,022.62 | $308.66 | $1,713.96 | $3,16,114.58 |
| 14 | $2,022.62 | $310.33 | $1,712.29 | $3,15,804.25 |
| 15 | $2,022.62 | $312.01 | $1,710.61 | $3,15,492.24 |
| 16 | $2,022.62 | $313.70 | $1,708.92 | $3,15,178.54 |
| 17 | $2,022.62 | $315.40 | $1,707.22 | $3,14,863.14 |
| 18 | $2,022.62 | $317.11 | $1,705.51 | $3,14,546.03 |
| 19 | $2,022.62 | $318.83 | $1,703.79 | $3,14,227.20 |
| 20 | $2,022.62 | $320.56 | $1,702.06 | $3,13,906.64 |
| 21 | $2,022.62 | $322.29 | $1,700.33 | $3,13,584.35 |
| 22 | $2,022.62 | $324.04 | $1,698.58 | $3,13,260.31 |
| 23 | $2,022.62 | $325.79 | $1,696.83 | $3,12,934.52 |
| 24 | $2,022.62 | $327.56 | $1,695.06 | $3,12,606.96 |
| 25 | $2,022.62 | $329.33 | $1,693.29 | $3,12,277.63 |
| 26 | $2,022.62 | $331.12 | $1,691.50 | $3,11,946.51 |
| 27 | $2,022.62 | $332.91 | $1,689.71 | $3,11,613.60 |
| 28 | $2,022.62 | $334.71 | $1,687.91 | $3,11,278.89 |
| 29 | $2,022.62 | $336.53 | $1,686.09 | $3,10,942.36 |
| 30 | $2,022.62 | $338.35 | $1,684.27 | $3,10,604.01 |
| 31 | $2,022.62 | $340.18 | $1,682.44 | $3,10,263.83 |
| 32 | $2,022.62 | $342.02 | $1,680.60 | $3,09,921.81 |
| 33 | $2,022.62 | $343.88 | $1,678.74 | $3,09,577.93 |
| 34 | $2,022.62 | $345.74 | $1,676.88 | $3,09,232.19 |
| 35 | $2,022.62 | $347.61 | $1,675.01 | $3,08,884.58 |
| 36 | $2,022.62 | $349.50 | $1,673.12 | $3,08,535.08 |
| 37 | $2,022.62 | $351.39 | $1,671.23 | $3,08,183.69 |
| 38 | $2,022.62 | $353.29 | $1,669.33 | $3,07,830.40 |
| 39 | $2,022.62 | $355.21 | $1,667.41 | $3,07,475.19 |
| 40 | $2,022.62 | $357.13 | $1,665.49 | $3,07,118.06 |
| 41 | $2,022.62 | $359.06 | $1,663.56 | $3,06,759.00 |
| 42 | $2,022.62 | $361.01 | $1,661.61 | $3,06,397.99 |
| 43 | $2,022.62 | $362.96 | $1,659.66 | $3,06,035.03 |
| 44 | $2,022.62 | $364.93 | $1,657.69 | $3,05,670.10 |
| 45 | $2,022.62 | $366.91 | $1,655.71 | $3,05,303.19 |
| 46 | $2,022.62 | $368.89 | $1,653.73 | $3,04,934.30 |
| 47 | $2,022.62 | $370.89 | $1,651.73 | $3,04,563.41 |
| 48 | $2,022.62 | $372.90 | $1,649.72 | $3,04,190.51 |
| 49 | $2,022.62 | $374.92 | $1,647.70 | $3,03,815.59 |
| 50 | $2,022.62 | $376.95 | $1,645.67 | $3,03,438.64 |
| 51 | $2,022.62 | $378.99 | $1,643.63 | $3,03,059.65 |
| 52 | $2,022.62 | $381.05 | $1,641.57 | $3,02,678.60 |
| 53 | $2,022.62 | $383.11 | $1,639.51 | $3,02,295.49 |
| 54 | $2,022.62 | $385.19 | $1,637.43 | $3,01,910.30 |
| 55 | $2,022.62 | $387.27 | $1,635.35 | $3,01,523.03 |
| 56 | $2,022.62 | $389.37 | $1,633.25 | $3,01,133.66 |
| 57 | $2,022.62 | $391.48 | $1,631.14 | $3,00,742.18 |
| 58 | $2,022.62 | $393.60 | $1,629.02 | $3,00,348.58 |
| 59 | $2,022.62 | $395.73 | $1,626.89 | $2,99,952.85 |
| 60 | $2,022.62 | $397.88 | $1,624.74 | $2,99,554.97 |
| 61 | $2,022.62 | $400.03 | $1,622.59 | $2,99,154.94 |
| 62 | $2,022.62 | $402.20 | $1,620.42 | $2,98,752.74 |
| 63 | $2,022.62 | $404.38 | $1,618.24 | $2,98,348.36 |
| 64 | $2,022.62 | $406.57 | $1,616.05 | $2,97,941.79 |
| 65 | $2,022.62 | $408.77 | $1,613.85 | $2,97,533.02 |
| 66 | $2,022.62 | $410.98 | $1,611.64 | $2,97,122.04 |
| 67 | $2,022.62 | $413.21 | $1,609.41 | $2,96,708.83 |
| 68 | $2,022.62 | $415.45 | $1,607.17 | $2,96,293.38 |
| 69 | $2,022.62 | $417.70 | $1,604.92 | $2,95,875.68 |
| 70 | $2,022.62 | $419.96 | $1,602.66 | $2,95,455.72 |
| 71 | $2,022.62 | $422.23 | $1,600.39 | $2,95,033.49 |
| 72 | $2,022.62 | $424.52 | $1,598.10 | $2,94,608.97 |
| 73 | $2,022.62 | $426.82 | $1,595.80 | $2,94,182.15 |
| 74 | $2,022.62 | $429.13 | $1,593.49 | $2,93,753.02 |
| 75 | $2,022.62 | $431.46 | $1,591.16 | $2,93,321.56 |
| 76 | $2,022.62 | $433.79 | $1,588.83 | $2,92,887.77 |
| 77 | $2,022.62 | $436.14 | $1,586.48 | $2,92,451.63 |
| 78 | $2,022.62 | $438.51 | $1,584.11 | $2,92,013.12 |
| 79 | $2,022.62 | $440.88 | $1,581.74 | $2,91,572.24 |
| 80 | $2,022.62 | $443.27 | $1,579.35 | $2,91,128.97 |
| 81 | $2,022.62 | $445.67 | $1,576.95 | $2,90,683.30 |
| 82 | $2,022.62 | $448.09 | $1,574.53 | $2,90,235.21 |
| 83 | $2,022.62 | $450.51 | $1,572.11 | $2,89,784.70 |
| 84 | $2,022.62 | $452.95 | $1,569.67 | $2,89,331.75 |
| 85 | $2,022.62 | $455.41 | $1,567.21 | $2,88,876.34 |
| 86 | $2,022.62 | $457.87 | $1,564.75 | $2,88,418.47 |
| 87 | $2,022.62 | $460.35 | $1,562.27 | $2,87,958.12 |
| 88 | $2,022.62 | $462.85 | $1,559.77 | $2,87,495.27 |
| 89 | $2,022.62 | $465.35 | $1,557.27 | $2,87,029.92 |
| 90 | $2,022.62 | $467.87 | $1,554.75 | $2,86,562.05 |
| 91 | $2,022.62 | $470.41 | $1,552.21 | $2,86,091.64 |
| 92 | $2,022.62 | $472.96 | $1,549.66 | $2,85,618.68 |
| 93 | $2,022.62 | $475.52 | $1,547.10 | $2,85,143.16 |
| 94 | $2,022.62 | $478.09 | $1,544.53 | $2,84,665.07 |
| 95 | $2,022.62 | $480.68 | $1,541.94 | $2,84,184.39 |
| 96 | $2,022.62 | $483.29 | $1,539.33 | $2,83,701.10 |
| 97 | $2,022.62 | $485.91 | $1,536.71 | $2,83,215.19 |
| 98 | $2,022.62 | $488.54 | $1,534.08 | $2,82,726.65 |
| 99 | $2,022.62 | $491.18 | $1,531.44 | $2,82,235.47 |
| 100 | $2,022.62 | $493.84 | $1,528.78 | $2,81,741.63 |
| 101 | $2,022.62 | $496.52 | $1,526.10 | $2,81,245.11 |
| 102 | $2,022.62 | $499.21 | $1,523.41 | $2,80,745.90 |
| 103 | $2,022.62 | $501.91 | $1,520.71 | $2,80,243.99 |
| 104 | $2,022.62 | $504.63 | $1,517.99 | $2,79,739.36 |
| 105 | $2,022.62 | $507.37 | $1,515.25 | $2,79,231.99 |
| 106 | $2,022.62 | $510.11 | $1,512.51 | $2,78,721.88 |
| 107 | $2,022.62 | $512.88 | $1,509.74 | $2,78,209.00 |
| 108 | $2,022.62 | $515.65 | $1,506.97 | $2,77,693.35 |
| 109 | $2,022.62 | $518.45 | $1,504.17 | $2,77,174.90 |
| 110 | $2,022.62 | $521.26 | $1,501.36 | $2,76,653.64 |
| 111 | $2,022.62 | $524.08 | $1,498.54 | $2,76,129.56 |
| 112 | $2,022.62 | $526.92 | $1,495.70 | $2,75,602.64 |
| 113 | $2,022.62 | $529.77 | $1,492.85 | $2,75,072.87 |
| 114 | $2,022.62 | $532.64 | $1,489.98 | $2,74,540.23 |
| 115 | $2,022.62 | $535.53 | $1,487.09 | $2,74,004.70 |
| 116 | $2,022.62 | $538.43 | $1,484.19 | $2,73,466.27 |
| 117 | $2,022.62 | $541.34 | $1,481.28 | $2,72,924.93 |
| 118 | $2,022.62 | $544.28 | $1,478.34 | $2,72,380.65 |
| 119 | $2,022.62 | $547.22 | $1,475.40 | $2,71,833.43 |
| 120 | $2,022.62 | $550.19 | $1,472.43 | $2,71,283.24 |
| 121 | $2,022.62 | $553.17 | $1,469.45 | $2,70,730.07 |
| 122 | $2,022.62 | $556.17 | $1,466.45 | $2,70,173.90 |
| 123 | $2,022.62 | $559.18 | $1,463.44 | $2,69,614.72 |
| 124 | $2,022.62 | $562.21 | $1,460.41 | $2,69,052.51 |
| 125 | $2,022.62 | $565.25 | $1,457.37 | $2,68,487.26 |
| 126 | $2,022.62 | $568.31 | $1,454.31 | $2,67,918.95 |
| 127 | $2,022.62 | $571.39 | $1,451.23 | $2,67,347.56 |
| 128 | $2,022.62 | $574.49 | $1,448.13 | $2,66,773.07 |
| 129 | $2,022.62 | $577.60 | $1,445.02 | $2,66,195.47 |
| 130 | $2,022.62 | $580.73 | $1,441.89 | $2,65,614.74 |
| 131 | $2,022.62 | $583.87 | $1,438.75 | $2,65,030.87 |
| 132 | $2,022.62 | $587.04 | $1,435.58 | $2,64,443.83 |
| 133 | $2,022.62 | $590.22 | $1,432.40 | $2,63,853.61 |
| 134 | $2,022.62 | $593.41 | $1,429.21 | $2,63,260.20 |
| 135 | $2,022.62 | $596.63 | $1,425.99 | $2,62,663.57 |
| 136 | $2,022.62 | $599.86 | $1,422.76 | $2,62,063.71 |
| 137 | $2,022.62 | $603.11 | $1,419.51 | $2,61,460.60 |
| 138 | $2,022.62 | $606.38 | $1,416.24 | $2,60,854.22 |
| 139 | $2,022.62 | $609.66 | $1,412.96 | $2,60,244.56 |
| 140 | $2,022.62 | $612.96 | $1,409.66 | $2,59,631.60 |
| 141 | $2,022.62 | $616.28 | $1,406.34 | $2,59,015.32 |
| 142 | $2,022.62 | $619.62 | $1,403.00 | $2,58,395.70 |
| 143 | $2,022.62 | $622.98 | $1,399.64 | $2,57,772.72 |
| 144 | $2,022.62 | $626.35 | $1,396.27 | $2,57,146.37 |
| 145 | $2,022.62 | $629.74 | $1,392.88 | $2,56,516.63 |
| 146 | $2,022.62 | $633.15 | $1,389.47 | $2,55,883.48 |
| 147 | $2,022.62 | $636.58 | $1,386.04 | $2,55,246.90 |
| 148 | $2,022.62 | $640.03 | $1,382.59 | $2,54,606.87 |
| 149 | $2,022.62 | $643.50 | $1,379.12 | $2,53,963.37 |
| 150 | $2,022.62 | $646.99 | $1,375.63 | $2,53,316.38 |
| 151 | $2,022.62 | $650.49 | $1,372.13 | $2,52,665.89 |
| 152 | $2,022.62 | $654.01 | $1,368.61 | $2,52,011.88 |
| 153 | $2,022.62 | $657.56 | $1,365.06 | $2,51,354.32 |
| 154 | $2,022.62 | $661.12 | $1,361.50 | $2,50,693.20 |
| 155 | $2,022.62 | $664.70 | $1,357.92 | $2,50,028.50 |
| 156 | $2,022.62 | $668.30 | $1,354.32 | $2,49,360.20 |
| 157 | $2,022.62 | $671.92 | $1,350.70 | $2,48,688.28 |
| 158 | $2,022.62 | $675.56 | $1,347.06 | $2,48,012.72 |
| 159 | $2,022.62 | $679.22 | $1,343.40 | $2,47,333.50 |
| 160 | $2,022.62 | $682.90 | $1,339.72 | $2,46,650.60 |
| 161 | $2,022.62 | $686.60 | $1,336.02 | $2,45,964.00 |
| 162 | $2,022.62 | $690.31 | $1,332.31 | $2,45,273.69 |
| 163 | $2,022.62 | $694.05 | $1,328.57 | $2,44,579.64 |
| 164 | $2,022.62 | $697.81 | $1,324.81 | $2,43,881.83 |
| 165 | $2,022.62 | $701.59 | $1,321.03 | $2,43,180.24 |
| 166 | $2,022.62 | $705.39 | $1,317.23 | $2,42,474.85 |
| 167 | $2,022.62 | $709.21 | $1,313.41 | $2,41,765.64 |
| 168 | $2,022.62 | $713.06 | $1,309.56 | $2,41,052.58 |
| 169 | $2,022.62 | $716.92 | $1,305.70 | $2,40,335.66 |
| 170 | $2,022.62 | $720.80 | $1,301.82 | $2,39,614.86 |
| 171 | $2,022.62 | $724.71 | $1,297.91 | $2,38,890.15 |
| 172 | $2,022.62 | $728.63 | $1,293.99 | $2,38,161.52 |
| 173 | $2,022.62 | $732.58 | $1,290.04 | $2,37,428.94 |
| 174 | $2,022.62 | $736.55 | $1,286.07 | $2,36,692.39 |
| 175 | $2,022.62 | $740.54 | $1,282.08 | $2,35,951.85 |
| 176 | $2,022.62 | $744.55 | $1,278.07 | $2,35,207.30 |
| 177 | $2,022.62 | $748.58 | $1,274.04 | $2,34,458.72 |
| 178 | $2,022.62 | $752.64 | $1,269.98 | $2,33,706.08 |
| 179 | $2,022.62 | $756.71 | $1,265.91 | $2,32,949.37 |
| 180 | $2,022.62 | $760.81 | $1,261.81 | $2,32,188.56 |
| 181 | $2,022.62 | $764.93 | $1,257.69 | $2,31,423.63 |
| 182 | $2,022.62 | $769.08 | $1,253.54 | $2,30,654.55 |
| 183 | $2,022.62 | $773.24 | $1,249.38 | $2,29,881.31 |
| 184 | $2,022.62 | $777.43 | $1,245.19 | $2,29,103.88 |
| 185 | $2,022.62 | $781.64 | $1,240.98 | $2,28,322.24 |
| 186 | $2,022.62 | $785.87 | $1,236.75 | $2,27,536.37 |
| 187 | $2,022.62 | $790.13 | $1,232.49 | $2,26,746.24 |
| 188 | $2,022.62 | $794.41 | $1,228.21 | $2,25,951.83 |
| 189 | $2,022.62 | $798.71 | $1,223.91 | $2,25,153.12 |
| 190 | $2,022.62 | $803.04 | $1,219.58 | $2,24,350.08 |
| 191 | $2,022.62 | $807.39 | $1,215.23 | $2,23,542.69 |
| 192 | $2,022.62 | $811.76 | $1,210.86 | $2,22,730.93 |
| 193 | $2,022.62 | $816.16 | $1,206.46 | $2,21,914.77 |
| 194 | $2,022.62 | $820.58 | $1,202.04 | $2,21,094.19 |
| 195 | $2,022.62 | $825.03 | $1,197.59 | $2,20,269.16 |
| 196 | $2,022.62 | $829.50 | $1,193.12 | $2,19,439.66 |
| 197 | $2,022.62 | $833.99 | $1,188.63 | $2,18,605.67 |
| 198 | $2,022.62 | $838.51 | $1,184.11 | $2,17,767.16 |
| 199 | $2,022.62 | $843.05 | $1,179.57 | $2,16,924.11 |
| 200 | $2,022.62 | $847.61 | $1,175.01 | $2,16,076.50 |
| 201 | $2,022.62 | $852.21 | $1,170.41 | $2,15,224.29 |
| 202 | $2,022.62 | $856.82 | $1,165.80 | $2,14,367.47 |
| 203 | $2,022.62 | $861.46 | $1,161.16 | $2,13,506.01 |
| 204 | $2,022.62 | $866.13 | $1,156.49 | $2,12,639.88 |
| 205 | $2,022.62 | $870.82 | $1,151.80 | $2,11,769.06 |
| 206 | $2,022.62 | $875.54 | $1,147.08 | $2,10,893.52 |
| 207 | $2,022.62 | $880.28 | $1,142.34 | $2,10,013.24 |
| 208 | $2,022.62 | $885.05 | $1,137.57 | $2,09,128.19 |
| 209 | $2,022.62 | $889.84 | $1,132.78 | $2,08,238.35 |
| 210 | $2,022.62 | $894.66 | $1,127.96 | $2,07,343.69 |
| 211 | $2,022.62 | $899.51 | $1,123.11 | $2,06,444.18 |
| 212 | $2,022.62 | $904.38 | $1,118.24 | $2,05,539.80 |
| 213 | $2,022.62 | $909.28 | $1,113.34 | $2,04,630.52 |
| 214 | $2,022.62 | $914.20 | $1,108.42 | $2,03,716.32 |
| 215 | $2,022.62 | $919.16 | $1,103.46 | $2,02,797.16 |
| 216 | $2,022.62 | $924.14 | $1,098.48 | $2,01,873.02 |
| 217 | $2,022.62 | $929.14 | $1,093.48 | $2,00,943.88 |
| 218 | $2,022.62 | $934.17 | $1,088.45 | $2,00,009.71 |
| 219 | $2,022.62 | $939.23 | $1,083.39 | $1,99,070.48 |
| 220 | $2,022.62 | $944.32 | $1,078.30 | $1,98,126.16 |
| 221 | $2,022.62 | $949.44 | $1,073.18 | $1,97,176.72 |
| 222 | $2,022.62 | $954.58 | $1,068.04 | $1,96,222.14 |
| 223 | $2,022.62 | $959.75 | $1,062.87 | $1,95,262.39 |
| 224 | $2,022.62 | $964.95 | $1,057.67 | $1,94,297.44 |
| 225 | $2,022.62 | $970.18 | $1,052.44 | $1,93,327.26 |
| 226 | $2,022.62 | $975.43 | $1,047.19 | $1,92,351.83 |
| 227 | $2,022.62 | $980.71 | $1,041.91 | $1,91,371.12 |
| 228 | $2,022.62 | $986.03 | $1,036.59 | $1,90,385.09 |
| 229 | $2,022.62 | $991.37 | $1,031.25 | $1,89,393.72 |
| 230 | $2,022.62 | $996.74 | $1,025.88 | $1,88,396.98 |
| 231 | $2,022.62 | $1,002.14 | $1,020.48 | $1,87,394.84 |
| 232 | $2,022.62 | $1,007.56 | $1,015.06 | $1,86,387.28 |
| 233 | $2,022.62 | $1,013.02 | $1,009.60 | $1,85,374.26 |
| 234 | $2,022.62 | $1,018.51 | $1,004.11 | $1,84,355.75 |
| 235 | $2,022.62 | $1,024.03 | $998.59 | $1,83,331.72 |
| 236 | $2,022.62 | $1,029.57 | $993.05 | $1,82,302.15 |
| 237 | $2,022.62 | $1,035.15 | $987.47 | $1,81,267.00 |
| 238 | $2,022.62 | $1,040.76 | $981.86 | $1,80,226.24 |
| 239 | $2,022.62 | $1,046.39 | $976.23 | $1,79,179.85 |
| 240 | $2,022.62 | $1,052.06 | $970.56 | $1,78,127.79 |
| 241 | $2,022.62 | $1,057.76 | $964.86 | $1,77,070.03 |
| 242 | $2,022.62 | $1,063.49 | $959.13 | $1,76,006.54 |
| 243 | $2,022.62 | $1,069.25 | $953.37 | $1,74,937.29 |
| 244 | $2,022.62 | $1,075.04 | $947.58 | $1,73,862.25 |
| 245 | $2,022.62 | $1,080.87 | $941.75 | $1,72,781.38 |
| 246 | $2,022.62 | $1,086.72 | $935.90 | $1,71,694.66 |
| 247 | $2,022.62 | $1,092.61 | $930.01 | $1,70,602.05 |
| 248 | $2,022.62 | $1,098.53 | $924.09 | $1,69,503.52 |
| 249 | $2,022.62 | $1,104.48 | $918.14 | $1,68,399.04 |
| 250 | $2,022.62 | $1,110.46 | $912.16 | $1,67,288.58 |
| 251 | $2,022.62 | $1,116.47 | $906.15 | $1,66,172.11 |
| 252 | $2,022.62 | $1,122.52 | $900.10 | $1,65,049.59 |
| 253 | $2,022.62 | $1,128.60 | $894.02 | $1,63,920.99 |
| 254 | $2,022.62 | $1,134.71 | $887.91 | $1,62,786.28 |
| 255 | $2,022.62 | $1,140.86 | $881.76 | $1,61,645.42 |
| 256 | $2,022.62 | $1,147.04 | $875.58 | $1,60,498.38 |
| 257 | $2,022.62 | $1,153.25 | $869.37 | $1,59,345.13 |
| 258 | $2,022.62 | $1,159.50 | $863.12 | $1,58,185.63 |
| 259 | $2,022.62 | $1,165.78 | $856.84 | $1,57,019.85 |
| 260 | $2,022.62 | $1,172.10 | $850.52 | $1,55,847.75 |
| 261 | $2,022.62 | $1,178.44 | $844.18 | $1,54,669.31 |
| 262 | $2,022.62 | $1,184.83 | $837.79 | $1,53,484.48 |
| 263 | $2,022.62 | $1,191.25 | $831.37 | $1,52,293.23 |
| 264 | $2,022.62 | $1,197.70 | $824.92 | $1,51,095.53 |
| 265 | $2,022.62 | $1,204.19 | $818.43 | $1,49,891.34 |
| 266 | $2,022.62 | $1,210.71 | $811.91 | $1,48,680.63 |
| 267 | $2,022.62 | $1,217.27 | $805.35 | $1,47,463.36 |
| 268 | $2,022.62 | $1,223.86 | $798.76 | $1,46,239.50 |
| 269 | $2,022.62 | $1,230.49 | $792.13 | $1,45,009.01 |
| 270 | $2,022.62 | $1,237.15 | $785.47 | $1,43,771.86 |
| 271 | $2,022.62 | $1,243.86 | $778.76 | $1,42,528.00 |
| 272 | $2,022.62 | $1,250.59 | $772.03 | $1,41,277.41 |
| 273 | $2,022.62 | $1,257.37 | $765.25 | $1,40,020.04 |
| 274 | $2,022.62 | $1,264.18 | $758.44 | $1,38,755.86 |
| 275 | $2,022.62 | $1,271.03 | $751.59 | $1,37,484.83 |
| 276 | $2,022.62 | $1,277.91 | $744.71 | $1,36,206.92 |
| 277 | $2,022.62 | $1,284.83 | $737.79 | $1,34,922.09 |
| 278 | $2,022.62 | $1,291.79 | $730.83 | $1,33,630.30 |
| 279 | $2,022.62 | $1,298.79 | $723.83 | $1,32,331.51 |
| 280 | $2,022.62 | $1,305.82 | $716.80 | $1,31,025.69 |
| 281 | $2,022.62 | $1,312.90 | $709.72 | $1,29,712.79 |
| 282 | $2,022.62 | $1,320.01 | $702.61 | $1,28,392.78 |
| 283 | $2,022.62 | $1,327.16 | $695.46 | $1,27,065.62 |
| 284 | $2,022.62 | $1,334.35 | $688.27 | $1,25,731.27 |
| 285 | $2,022.62 | $1,341.58 | $681.04 | $1,24,389.69 |
| 286 | $2,022.62 | $1,348.84 | $673.78 | $1,23,040.85 |
| 287 | $2,022.62 | $1,356.15 | $666.47 | $1,21,684.70 |
| 288 | $2,022.62 | $1,363.49 | $659.13 | $1,20,321.21 |
| 289 | $2,022.62 | $1,370.88 | $651.74 | $1,18,950.33 |
| 290 | $2,022.62 | $1,378.31 | $644.31 | $1,17,572.02 |
| 291 | $2,022.62 | $1,385.77 | $636.85 | $1,16,186.25 |
| 292 | $2,022.62 | $1,393.28 | $629.34 | $1,14,792.97 |
| 293 | $2,022.62 | $1,400.82 | $621.80 | $1,13,392.15 |
| 294 | $2,022.62 | $1,408.41 | $614.21 | $1,11,983.74 |
| 295 | $2,022.62 | $1,416.04 | $606.58 | $1,10,567.70 |
| 296 | $2,022.62 | $1,423.71 | $598.91 | $1,09,143.99 |
| 297 | $2,022.62 | $1,431.42 | $591.20 | $1,07,712.57 |
| 298 | $2,022.62 | $1,439.18 | $583.44 | $1,06,273.39 |
| 299 | $2,022.62 | $1,446.97 | $575.65 | $1,04,826.42 |
| 300 | $2,022.62 | $1,454.81 | $567.81 | $1,03,371.61 |
| 301 | $2,022.62 | $1,462.69 | $559.93 | $1,01,908.92 |
| 302 | $2,022.62 | $1,470.61 | $552.01 | $1,00,438.31 |
| 303 | $2,022.62 | $1,478.58 | $544.04 | $98,959.73 |
| 304 | $2,022.62 | $1,486.59 | $536.03 | $97,473.14 |
| 305 | $2,022.62 | $1,494.64 | $527.98 | $95,978.50 |
| 306 | $2,022.62 | $1,502.74 | $519.88 | $94,475.76 |
| 307 | $2,022.62 | $1,510.88 | $511.74 | $92,964.88 |
| 308 | $2,022.62 | $1,519.06 | $503.56 | $91,445.82 |
| 309 | $2,022.62 | $1,527.29 | $495.33 | $89,918.53 |
| 310 | $2,022.62 | $1,535.56 | $487.06 | $88,382.97 |
| 311 | $2,022.62 | $1,543.88 | $478.74 | $86,839.09 |
| 312 | $2,022.62 | $1,552.24 | $470.38 | $85,286.85 |
| 313 | $2,022.62 | $1,560.65 | $461.97 | $83,726.20 |
| 314 | $2,022.62 | $1,569.10 | $453.52 | $82,157.10 |
| 315 | $2,022.62 | $1,577.60 | $445.02 | $80,579.50 |
| 316 | $2,022.62 | $1,586.15 | $436.47 | $78,993.35 |
| 317 | $2,022.62 | $1,594.74 | $427.88 | $77,398.61 |
| 318 | $2,022.62 | $1,603.38 | $419.24 | $75,795.23 |
| 319 | $2,022.62 | $1,612.06 | $410.56 | $74,183.17 |
| 320 | $2,022.62 | $1,620.79 | $401.83 | $72,562.38 |
| 321 | $2,022.62 | $1,629.57 | $393.05 | $70,932.81 |
| 322 | $2,022.62 | $1,638.40 | $384.22 | $69,294.41 |
| 323 | $2,022.62 | $1,647.28 | $375.34 | $67,647.13 |
| 324 | $2,022.62 | $1,656.20 | $366.42 | $65,990.93 |
| 325 | $2,022.62 | $1,665.17 | $357.45 | $64,325.76 |
| 326 | $2,022.62 | $1,674.19 | $348.43 | $62,651.57 |
| 327 | $2,022.62 | $1,683.26 | $339.36 | $60,968.31 |
| 328 | $2,022.62 | $1,692.37 | $330.25 | $59,275.94 |
| 329 | $2,022.62 | $1,701.54 | $321.08 | $57,574.40 |
| 330 | $2,022.62 | $1,710.76 | $311.86 | $55,863.64 |
| 331 | $2,022.62 | $1,720.03 | $302.59 | $54,143.61 |
| 332 | $2,022.62 | $1,729.34 | $293.28 | $52,414.27 |
| 333 | $2,022.62 | $1,738.71 | $283.91 | $50,675.56 |
| 334 | $2,022.62 | $1,748.13 | $274.49 | $48,927.43 |
| 335 | $2,022.62 | $1,757.60 | $265.02 | $47,169.83 |
| 336 | $2,022.62 | $1,767.12 | $255.50 | $45,402.71 |
| 337 | $2,022.62 | $1,776.69 | $245.93 | $43,626.02 |
| 338 | $2,022.62 | $1,786.31 | $236.31 | $41,839.71 |
| 339 | $2,022.62 | $1,795.99 | $226.63 | $40,043.72 |
| 340 | $2,022.62 | $1,805.72 | $216.90 | $38,238.00 |
| 341 | $2,022.62 | $1,815.50 | $207.12 | $36,422.50 |
| 342 | $2,022.62 | $1,825.33 | $197.29 | $34,597.17 |
| 343 | $2,022.62 | $1,835.22 | $187.40 | $32,761.95 |
| 344 | $2,022.62 | $1,845.16 | $177.46 | $30,916.79 |
| 345 | $2,022.62 | $1,855.15 | $167.47 | $29,061.64 |
| 346 | $2,022.62 | $1,865.20 | $157.42 | $27,196.44 |
| 347 | $2,022.62 | $1,875.31 | $147.31 | $25,321.13 |
| 348 | $2,022.62 | $1,885.46 | $137.16 | $23,435.67 |
| 349 | $2,022.62 | $1,895.68 | $126.94 | $21,539.99 |
| 350 | $2,022.62 | $1,905.95 | $116.67 | $19,634.04 |
| 351 | $2,022.62 | $1,916.27 | $106.35 | $17,717.77 |
| 352 | $2,022.62 | $1,926.65 | $95.97 | $15,791.12 |
| 353 | $2,022.62 | $1,937.08 | $85.54 | $13,854.04 |
| 354 | $2,022.62 | $1,947.58 | $75.04 | $11,906.46 |
| 355 | $2,022.62 | $1,958.13 | $64.49 | $9,948.33 |
| 356 | $2,022.62 | $1,968.73 | $53.89 | $7,979.60 |
| 357 | $2,022.62 | $1,979.40 | $43.22 | $6,000.20 |
| 358 | $2,022.62 | $1,990.12 | $32.50 | $4,010.08 |
| 359 | $2,022.62 | $2,000.90 | $21.72 | $2,009.18 |
| 360 | $2,020.06 | $2,009.18 | $10.88 | $0.00 |
होम लोन कैलकुलेटर का इस्तेमाल कैसे करें
घर की कीमत, प्रतिशत में डाउन पेमेंट, आपको बताई गई ब्याज दर और ऋण अवधि दर्ज करें। जो खर्च आम तौर पर एस्क्रो के ज़रिए किस्त के साथ वसूले जाते हैं, उन्हें जोड़ने के लिए टैक्स, बीमा, PMI और अतिरिक्त भुगतान खोलें। नतीजे के नीचे दी गई वर्षवार चुकौती अनुसूची हर साल के बाद की बकाया राशि दिखाती है।
होम लोन किस्त का सूत्र
मूलधन और ब्याज वाला हिस्सा एक तय राशि है, जो ऋण चुकौती के मानक सूत्र से निकलती है:
M = P × r(1 + r)n ÷ ((1 + r)n − 1)
जहाँ P उधार ली गई राशि है, r मासिक दर (वार्षिक दर ÷ 12) है और n किस्तों की संख्या है। शुरुआती किस्तों का ज़्यादातर हिस्सा ब्याज होता है; जैसे-जैसे बकाया घटता है, हर किस्त का बड़ा हिस्सा मूलधन में जाता है – यह बदलाव आप ऊपर के चार्ट में देख सकते हैं।
होम लोन की लागत कम करने के तरीके
- 20% डाउन पेमेंट दें, ताकि PMI से बचें और कम उधार लेना पड़े।
- आवेदन से पहले अपना क्रेडिट स्कोर सुधारें – ब्याज दर में 0.25% की कमी भी हज़ारों बचाती है।
- कम अवधि चुनें, अगर किस्त आपके बजट में आती हो।
- मूलधन का अतिरिक्त भुगतान करें – ऊपर हर माह थोड़ी राशि जोड़कर देखें।
- कई बैंकों से तुलना करें और सिर्फ़ ब्याज दर नहीं, APR देखें।
यह कैलकुलेटर केवल जानकारी के लिए अनुमान देता है। आपकी असली किस्त आपके बैंक, स्थानीय टैक्स और बीमा पर निर्भर करती है।
अक्सर पूछे जाने वाले सवाल
होम लोन की मासिक किस्त में क्या-क्या शामिल होता है?
ज़्यादातर किस्तों में मूलधन और ब्याज होता है, और अमेरिका में इसके साथ एस्क्रो की राशि भी, जिससे बैंक प्रॉपर्टी टैक्स और घर का बीमा भरता है। अगर डाउन पेमेंट 20% से कम है तो आम तौर पर निजी मॉर्गेज बीमा (PMI) भी देना पड़ता है, और कुछ प्रॉपर्टी पर हाउसिंग सोसाइटी (एचओए) शुल्क लगता है।
मूलधन और ब्याज वाली किस्त कैसे निकाली जाती है?
इसके लिए ऋण चुकौती का मानक सूत्र M = P × r(1+r)^n ÷ ((1+r)^n − 1) इस्तेमाल होता है, जहाँ P ऋण राशि है, r मासिक ब्याज दर (वार्षिक दर ÷ 12) है और n मासिक किस्तों की संख्या है।
PMI कब बंद होता है?
अमेरिका के ज़्यादातर सामान्य होम लोन में होमओनर्स प्रोटेक्शन एक्ट के तहत, बकाया राशि घर के मूल मूल्य (खरीद मूल्य और मूल्यांकन में से जो कम हो) के 80% तक पहुँचते ही आप बैंक से PMI रद्द करने को कह सकते हैं, बशर्ते आपकी किस्तें समय पर भरी हों और बैंक की शर्तें पूरी हों। अनुसूची के अनुसार बकाया 78% पर पहुँचने पर बैंक को इसे अपने आप बंद करना होता है। यह कैलकुलेटर मानता है कि PMI उसी महीने बंद होता है जब बकाया (अतिरिक्त भुगतान सहित) पहली बार खरीद मूल्य के 80% तक पहुँचता है, यानी आप रद्द करने का अनुरोध करते हैं। FHA लोन का मॉर्गेज बीमा (एमआईपी) अलग नियमों से चलता है – उसके लिए हमारा FHA लोन कैलकुलेटर देखें।
क्या अतिरिक्त भुगतान से सच में पैसा बचता है?
हाँ। अतिरिक्त भुगतान का हर रुपया या डॉलर सीधे मूलधन घटाता है, इसलिए आगे के महीनों में कम ब्याज बनता है। हर माह थोड़ी-सी अतिरिक्त राशि भी 30 साल के होम लोन से कई साल कम कर सकती है – बचत देखने के लिए “अतिरिक्त भुगतान / माह” में कोई राशि डालें।
15 साल का होम लोन बेहतर है या 30 साल का?
15 साल के लोन की मासिक किस्त ज़्यादा होती है, पर ब्याज दर आम तौर पर कम होती है और कुल ब्याज बहुत कम लगता है। 30 साल के लोन की किस्त कम होती है और लचीलापन ज़्यादा रहता है। ऊपर ऋण अवधि बदलकर दोनों की तुलना करें।
होम लोन (मॉर्गेज) कैलकुलेटर को रेटिंग दें
केवल औसत स्टार रेटिंग दिखाई जाती है। गलती की रिपोर्ट सीधे हमारे इनबॉक्स में आती है, ताकि हम उसे जाँचकर ठीक कर सकें। यह भी देखें: गणना पद्धति और गोपनीयता नीति.