Calculation | વ્યાજદર ઘટે તો EMI ઓછો કરવો કે લોનનો સમય ઘટાડું? | Ek Vaat Kau

Calculation | વ્યાજદર ઘટે તો EMI ઓછો કરવો કે લોનનો સમય ઘટાડું? | Ek Vaat Kau
In this episode of Ek Vaat Kau, Goonj Thakkar explains the effects of lowering EMI vs. reducing loan tenure when interest rates decrease.
When interest rates are reduced, banks must ask borrowers if they want to reduce their EMI or their loan tenure.
Reducing loan tenure is more profitable overall.
Example: For a 25 Lakh loan at 9% interest, with an EMI of Rs. 22,500, a .25% interest rate reduction will save 1.64 Lakh in interest over the loan's lifetime by decreasing the tenure vs. lowering the EMI and investing the difference.
Investing the difference between the old and new EMIs can still be beneficial. Even a small amount invested over a long period can yield significant returns.
#EMI #loan #interestrates #Homeloan #Investmenttips #EkVaatKau
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