Jab aap personal loan lete hain, toh aapko ek agreed period ke andar usse wapis karna hota hai. Iska matlab hota hai ki aapko har mahine ki bhugtan yojna banana padti hai, jise Equated Monthly Instalments ya EMIs kehte hain. EMI mein aapko baaki rahne wale moolya aur byaj ka mishran milta hai. Shuruwati EMIs mein byaj ka hissa aam taur par zyada hota hai jabki moolya ka hissa kam hota hai. Lekin samay ke saath aur har EMI ke saath, byaj ka hissa kam hota hai aur moolya ka hissa badh jata hai. Bhugtan ka samay khatam hone par, byaj ka hissa bilkul kam ho jata hai aur EMI ka adhikansh hissa baaki rahne wale moolya ko ghataane mein lag jata hai. Is sab ko sahi tarike se aur sahi tarah se plan karne ke liye, aapko ek loan amortization schedule ki zarurat hoti hai.
Loan Amortisation Schedule Kya Hai?
Loan Amortisation Schedule ek aisi table ya chart hai jo loan ke liye ek detailed repayment yojna deta hai. Isme dikhaya jata hai ki EMIs kaise baaki rahne wale moolya aur byaj ko kam karegi. Isse saaf dikh jaata hai ki loan kaise aur kab wapis hoga. Loan ke liye apply karne se pahle ek amortisation schedule banane ka sabse accha tareeka hai.
Amortisation Schedule Taiyar Karna
Amortisation schedule taiyar karne mein ek systematic process hota hai jisse loan ki repayment structure ko outline kiya jaata hai. Is schedule ko banane ke liye, aapko loan amount, interest rate aur loan term jaise mukhya jaankariyan ikatthi karni hoti hai. Is data ka upayog karke, aap ek amortisation formula ya online calculator ka use karke mahine ki bhugtan yojna ko calculate kar sakte hain. Schedule mein mahine ki shuruwat se lekar ant tak ke bhugtan ka vivaran hota hai, jisme dikhaya jata hai ki kitna moolya aur byaj bhugtan kiya jaata hai. Isse har interval par baaki rahne wala loan balance bhi pata chalta hai. Amortisation schedule taiyar karke, borrowers ko unke bhugtan karne ki zimmedari ka saaf pata chalta hai, jisse unhe apne finances ko sahi tarah se plan karne aur loan ke baare mein sahi faisle lene mein madad milti hai.
Amortisation Schedule Ke Tarike
Loan ko amortise karne ke kai tarike hote hain. Neeche kuch tarike bataye gaye hain jo ek amortisation schedule banane ke liye istemal kiye jaate hain.
Straight Line (Seedha Rekha): Is tarike mein byaj ka poora maqsood loan ki poori avadhi mein barabar tariko se distribute kiya jata hai. Yah tareeka accounting mein aam taur par istemal hota hai kyunki ise lagu karna bahut saral hota hai.
Declining Balance (Ghate Hue Balance): Declining balance tareeka amortisation mein byaj ka bhugtan samay ke saath kam hota hai. Isi tarah, moolya ki taraf ka bhugtan loan ki umar badhne ke saath badhta hai. Yah tareeka loan ko jaldi wapis karne ki anumati deta hai aur loan payoff process ko tezi se karne ke liye aam taur par istemal kiya jata hai.
Annuity (Annuity): Is tarike mein ek loan ko regular time intervals mein, aam taur par barabar raashi mein, bhugtan kiya jata hai. Annuity ke do mukhya prakar hote hain: ordinary annuity, jisme bhugtan har samay ke ant mein hota hai, aur annuity due, jisme bhugtan har samay ke shuruwat mein hota hai. Yah tareeka yah ensure karta hai ki loan ko samay ke saath dheere-dheere wapis kiya jata hai aur har bhugtan byaj aur moolya dono mein hissa deta hai. Iski saralata aur regularity ki wajah se yah financial planning aur lending mein wistar se istemal hota hai.
Bullet (Gola): Aam taur par, bullet loans traditional amortisation structure ko follow nahi karte, jisme loan ki poori avadhi mein use dheere-dheere wapis kiya jata hai. Iske bajaye, in loans mein aksar aise bhugtan hote hain jisme sirf byaj ke charges ko cover karne wale periodic payments hote hain. Loan ke maturate hone par antim bhugtan ko loan ke poore moolya ko wapis karne ke liye jimmedar kiya jata hai, jisse loan ki poori avadhi mein kafi bhag ka bhugtan baki reh jata hai. Gola loans ki yah khasiyat inhe dusre loan prakar se alag banati hai aur borrowers ko loan ki avadhi ke ant mein hone wale bade bhugtan ke liye taiyar rehna padta hai.
Balloon (Baalon): Baalon loan bullet loan ki tarah hota hai jisme aam taur par loan ke maturate hone par poora moolya wapis karne ki zarurat hoti hai. Lekin kuchh aise samay hote hain jab baalon loan ko chhote periodic moolya bhugtan ke saath amortise kiya jaata hai, jabki loan ke aadhikansh moolya bhugtan ko maturate hone tak baki reh jata hai. Baalon loan ki yah khasiyat inhe dusre prakar ke loan se alag banati hai aur borrowers ko loan ki avadhi ke ant mein hone wale bade moolya bhugtan ke liye tayyar rehne ki zarurat padti hai
Negative Amortisation (Ulat Amortisation): Ulat amortisation tareeka ek aisa mauka hota hai jab poori bhugtan avadhi ke liye total payment period byaj ke liye charge hone wale period se chhota hota hai. Dusre shabdon mein, borrower ke bhugtan us specific period ke liye interest ko cover karne ke liye kafi nahi hote. Iska natija hota hai ki unpaid interest loan balance mein joda jaata hai, jisse samay ke saath loan balance badhta hai. Ulat amortisation tareeka ek kam hone wale loan balance ki bajaye ek badhte hue loan balance ki pehchaan karta hai, jo borrower ke overall debt aur bhugtan zimmedariyon par asar daal sakta hai.
Samanantar
Ek personal loan amortisation schedule borrowers aur lenders ke liye ek moolya tool hota hai. Isme mahine ki bhugtan yojna, byaj ki raashi aur baaki rahne wala loan balance ka detailed breakdown hota hai. Is schedule ko analyze karke, vyakti loan ki repayment structure ko acche se samajh sakte hain, apne finances ko sahi tarike se plan kar sakte hain aur loan ke baare mein sahi faisle le sakte hain. Schedule mein total interest ki raashi jo loan ki avadhi mein bhugtan ki jati hai aur estimated payoff date bhi pata chalta hai, jisse borrowers apne raste par reh sakte hain aur byaj cost par bachat kar sakte hain. Overall, ek personal loan amortisation schedule vyakti ke personal loan zimmedariyon ko manage karne aur financial goals ko purn karne ke liye ek mahatvapurn resource hai.
