EMI Loan ஐ எப்படி கணக்கிடுவது

EMI Loan என்றால் என்ன?

EMI (Equated Monthly Installment) is the fixed monthly payment for a loan, comprising both principal and interest. Widely used in India and South Asia for home loans, car loans, and personal loans. The formula is identical to the standard loan payment calculation.

படிப்படியான வழிகாட்டி

1. 1EMI = P × r × (1+r)^n / ((1+r)^n − 1)
2. 2P = Principal, r = monthly interest rate (annual rate/12), n = loan tenure in months
3. 3Total payment = EMI × n; Total interest = Total payment − Principal
4. 4Partial prepayment reduces either the EMI or the tenure

தீர்க்கப்பட்ட எடுத்துக்காட்டுகள்