Personal loan ₹5 lakh at 18%: Maine ₹3.8 lakh sirf interest mein diya
Ek emergency ke liye liya gaya personal loan ka asli hisaab jisne mujhe shock kiya.
5 मिनट पढ़ें
1200 शब्द
1/4/2026
Medical emergency ke liye ₹5 lakh chahiye the. Bank se personal loan liya. 18% interest. 3 saal ki duration. EMI: ₹18,100. Theek hai socha. 3 saal baad pata chala: total ₹6.52 lakh diya. ₹1.52 lakh interest. Loan amount ka 30% extra diya. Main hoon Rajesh, 35, Chennai mein private job.
उपयोग विधि
Loan details:
Amount: ₹5,00,000
Interest rate: 18%
Duration: 36 months
EMI: ₹18,100
Total repayment: ₹18,100 × 36 = ₹6,51,600
Interest paid: ₹1,51,600
Loan calculator mein:
Agar 12% interest hoti (bank loan):
EMI: ₹16,600
Total: ₹5,97,600
Interest: ₹97,600
Savings: ₹54,000
Agar 8% hoti (credit union):
EMI: ₹15,700
Total: ₹5,65,200
Interest: ₹65,200
Savings: ₹86,400
Meri galti: Bank se poocha hi nahi. Direct personal loan le liya.
Better option: Gold loan (7%):
EMI: ₹15,500
Total: ₹5,58,000
Interest: ₹58,000
Savings: ₹93,600
Ya loan against FD (6%):
EMI: ₹15,200
Total: ₹5,47,200
Interest: ₹47,200
Savings: ₹1,04,400
प्रो टिप्स
Loan calculator istemal karein. Har loan offer ka true cost calculate karein. EMI nahi total interest dekhein.
Personal loan sabse mehenga loan hai. Gold loan, FD loan, ya top-up home loan sasta option hai.
Agar possible ho toh 3-6 months mein repay karein. Shorter duration = less interest.
सामान्य गलतियाँ
Sabse badi galti: Sirf EMI dekhna. ₹18,100 sasta lagra. Lekin 3 saal mein ₹1.5 lakh extra de rahe ho.
Doosri galti: Bank ka first offer accept karna. Negotiate karo. Online personal loan (12-14%) sasta hota hai.
Teesri galti: Loan ke baad bhi credit card use karna. Debt stack hona. Pehle loan clear karein fir nay a loan.