Loan Tenure Short Rakhein Ya Long? Paisa Bachane Ka Formula

Loan Tenure Short Rakhein Ya Long? Paisa Bachane Ka Formula – LoanSathi.in

Jab bhi hum Personal Loan, Business Loan, Home Loan ya Quick Loan lete hain, to sabse bada confusion hota hai:

Loan tenure short rakhein ya long?
EMI kam rakhein ya total paisa bachayein?

Galat tenure choose karne par aap bina jaane interest me hazaron ya lakhon rupaye extra de dete ho. Is blog me hum simple language me samjhenge loan tenure ka paisa bachane ka exact formula aur kaunsa tenure aapke liye best rahega.

Loan Tenure Kya Hota Hai?

Loan tenure wo time period hota hai jisme aap bank ya NBFC ko apna loan repay karte ho.

• Personal Loan: 12 – 60 months
• Business Loan: 12 – 84 months
• Home Loan: 10 – 30 years

Tenure jitna lamba hota hai, EMI utni kam hoti hai — lekin total interest zyada lagta hai.

Short Tenure Loan – Fayde Aur Nuksan

✔ Short Tenure Ke Fayde

• Total interest bahut kam lagta hai
• Loan jaldi close ho jata hai
• Financial stress long-term nahi rehta
• CIBIL score jaldi improve hota hai

✖ Short Tenure Ke Nuksan

• EMI thodi zyada hoti hai
• Monthly budget par pressure pad sakta hai

Long Tenure Loan – Fayde Aur Nuksan

✔ Long Tenure Ke Fayde

• EMI ka amount kam hota hai
• Monthly cash flow easy rehta hai
• Salary / business income ke saath manageable

✖ Long Tenure Ke Nuksan

• Total interest bahut zyada lagta hai
• Loan years tak chalta rehta hai
• Paisa zyada bank ko jata hai

Example Se Samjhiye – Paisa Kaise Bachta Hai?

Loan Amount	Tenure	EMI	Total Interest
₹5,00,000	2 Years	₹24,000 approx	₹75,000 approx
₹5,00,000	5 Years	₹11,000 approx	₹1,60,000 approx

Yahan clearly dikh raha hai ki short tenure me EMI zyada hai lekin interest almost aadha lag raha hai.

Paisa Bachane Ka Smart Formula

Golden Rule:

• EMI aisi rakho jo income ka max 30–35% ho
• Starting me tenure thoda long rakho
• Income badhne par prepayment karo
• Prepayment se tenure kam karo, EMI nahi
• Lock-in period ke baad extra payment karo

Kis Loan Ke Liye Kaunsa Tenure Best Hai?

• Personal Loan – Short tenure best
• Quick Loan – Shortest possible tenure
• Business Loan – Flexible tenure + prepayment
• Home Loan – Long tenure + regular prepayment

LoanSathi.in Aapki Kaise Help Karta Hai?

LoanSathi.in sirf loan apply karwane ka platform nahi, balki aapko paisa bachane wali loan planning deta hai.

• Right tenure calculation support
• EMI vs interest comparison
• Prepayment & foreclosure planning
• Low interest & low charge lenders selection
• Long-term financial benefit focus

Apply Smart Loan With Right Tenure

Apply here with expert guidance:

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Final Conclusion

Loan tenure ka sahi decision aapko interest me lakhon rupaye bacha sakta hai. Short tenure paisa bachata hai, long tenure comfort deta hai — lekin smart planning dono ka balance hoti hai.

LoanSathi.in ke saath aap sirf loan nahi, financially smart future choose karte ho.