วิธีการคำนวณ EMI Loan

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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.

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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

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