Home Loan EMI Calculator Excel with Principal & Interest Examples| Home Loan EMI Excel Calculation
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- Опубліковано 8 вер 2024
- Home Loan EMI Calculator Excel with Principal & Interest Examples| Home Loan EMI Excel Calculation
In this video by FinCalC TV, we will see how to calculate home loan EMI using Excel Calculator formula examples in hindi and home loan principal & interest amounts calculation excel sheet prepayment option. We will also see how you can save home loan interest by home loan repayment calculation. We will also see how interest and principal amounts of Home Loan EMI will be calculated. Home loan EMI can be increased to reduce the total interest.
DOWNLOAD Home Loan EMI Excel Calculator:
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Loan Prepayment Video:
• Home Loan EMI Prepayme...
After watching this video following queries will be solved:
How to calculate home loan EMI?
How to calculate home loan EMI in excel sheet?
What is home loan EMI calculation excel formula?
What is home loan EMI calculation formula?
How to reduce home loan interest?
Home loan prepayment or repayment options?
Principal and interest amounts of home loan emi?
Home loan emi increase will save interest amount?
Increase in EMI will decrease loan interest payment?
Benefits of home loan prepayments?
What is home loan emi not paid?
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What is Home Loan EMI Calculator?
Home Loan EMI Calculator assists in calculation of the loan installment i.e. EMI towards your home loan. It an easy to use calculator and acts as a financial planning tool for a home buyer.
What is Home Loan EMI?
EMI stands for Equated Monthly Installment. It includes repayment of the principal amount and payment of the interest on the outstanding amount of your home loan. A longer loan tenure (for a maximum period of 30 years) helps in reducing the EMI.
How does EMI calculation help in planning the home purchase?
Home Loan EMI calculator gives a clear understanding of the amount that needs to be paid towards the EMIs and helps make an informed decision about the outflow towards the housing loan every month. This helps estimate the loan amount that can be availed and helps in assessing the own contribution requirements and cost of the property. Therefore knowing the EMI is crucial for calculation of home loan eligibility and planning your home buying journey better.
Factors that Affect Housing Loan EMI
Principal- The principal is the loan amount that you avail from the lender. It is directly proportional to your EMIs - lower principal will lower your monthly instalments and vice versa.
Rate of interest- The rate of interest is the rate at which the lender offers you the loan. It is also directly proportional to the value of your loan EMIs.
Tenure- The tenure is the time within which you repay your loan. The tenure is inversely proportional to your loan EMIs - longer tenure makes the monthly instalments cheaper and vice versa.
What is Home Loan Amortization Schedule?
Loan amortization is the process of reducing the debt with regular payments over the loan period. A home loan amortization schedule is a table giving the details of the repayment amount, principal and interest component.
EMI calculators give a fair understanding about the ratio of the principal amount to the interest due, based on the loan tenure and interest rates. EMI calculator also provides an amortization table elucidating the repayment schedule. Home loan calculator provides a complete break-up of the interest and principal amount.
How do part-prepayments impact your EMIs?
Part-prepayment brings down the principal amount, which in turn lowers the interest amount that you have to pay, which results in lower EMI amounts overall.
#LoanEMICalculator #HomeLoanEMI #EMIExcelFormula #Excel #Calculator #FinCalCTV
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DISCLAIMER:
Examples used are for Illustration purpose only and might not cover every detail of examples shown. It is advised to seek professional help before taking any financial decisions. The owner of this channel shall not be liable in any way.
Calculator Link: fincalc-blog.in/home-loan-emi-calculator-and-calculation-method/
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Best video I found after struggling for so long. Thank you so much bro for the simple explanation. Hats off ❤
Apka video dek kar mane 2lak ka intrest bcha iyaa thankyou sirrrrrr😊
Welcome 🙂
Thanks alot
Welcome
Thank you very much, this presentation helped me a lot!!!!
Glad it helped!
Outstanding bro ... What a unique voice .... And so easy to understand... Thank you bro
Welcome bro 😀👍
Very good explaination sir❤❤
Best Video ever in youtube
thank you so much
Very Helpful, thanks for this.
Thankyou very much for such a very informative video.
Welcome 👍
Thanks a lot dear 🙏🙏💐💐
Most welcome 😊
Zabardast .
thanks
Nice। information...thanks for sharing
Welcome 👍
Good job bro... ! Keep posting this kind of info
yes sure. thanks for your comment. Keep sharing and commenting :)
Personal Loan for contact me ...
Thank u for ur kind information
welcome
Thank you very much sir.
Welcome 👍
So easy and simple to understand 👌
Thanks for this video
Most welcome
I have calculated, thank you
Very informative video
Thank you 👍
Personal Loan for contact me ...
Bro very nice video very helpfull bro
Glad it helped
500 👍 like meri taraf se
Thanks a lot 🙂👍
Personal Loan for contact me ....
Bohot khoob
thank you
Very good explain thanks
Glad it was helpful!
Nice video Thanks
Glad you liked it
Very Well Explained.
Thanks for liking
Very useful ❤️❤️
thanks
Thnqu sir
Most welcome
very useful. thanks
Welcome 🙂👍
Personal Loan for contact me ...
Thank you sir
Welcome 👍🙂
సూపర్
Excellent explanation helped me alot thank you for this :) you got a new subscriber :)
Thank you so much for your lovely comment. Please share my videos with your friends as well🙂👍
Personal Loan for contact me ..
7351072160
Useful video 👍❤
Thanks sir ❤❤❤
Information 👏👏👏
Great
Good information
Thanks
Maza aagya
Very nice
super sir
thanks
Great work.. I tried downloading it by filling the form, but haven't received yet in mail. By the way, can u plz share the calculation with reducing EMI, too?
Superb Sir
10q so much sir
Nicely explained...good job bro..keep it up👍
welcome, keep watching
Good night.
500 👍 likes from my side
Thanks 👍🙂
Sir thank u very much for such a nice information i was searching for the same information
Welcome. Check this video as well, you might like it link ua-cam.com/video/liGgfgMn5xg/v-deo.html
Thank you for such informative video. I have a question that can we transfer money from foreign account to Indian home loan account?
Thanks. You can transfer from foreign account to Indian Bank account from which emi is getting deducted every month. From this account you can pay the loan amount
Excellent video !! Very well explained
Thank you 👍🙂
Personal Loan for contact me ...
Thanks man very informative
Glad it was helpful!
Personal Loan for contact me ...
Actual video will start at 4:50
Thank you so much..bhai.. was looking for this..
Most welcome 😊
@@fincalc However is it same for Mortgage loan ?
@@imcjeewan0627 yes
@@fincalc Okie thank u..😊
Amazing explanation...very clear and precise...thank you so much for sharing
Glad it was helpful!
Great info thanks
Welcome 🙂👍
Personal Loan for contact me ..
Very useful sir and one think pesonal loan interest type of videos sharing sir
Will upload soon. Thank you :)
Personal Loan for contact me .
awaiting your additional or advance payment in home loan,please create asap. further i request to create video on gold loan emi also. thanks
Yes will be uploading those videos as well. Stay tuned 👍🙂
Here's the video on home loan prepayment / advance loan payment: ua-cam.com/video/liGgfgMn5xg/v-deo.html
Personal Loan for contact me ..
Ok
Personal Loan for contact me .
7351072160..
Thanks for the detailed information dude, its very useful
welcome. Stay tuned for more such videos :)
How to accommodate this calculators with increasing/decreasing interest rate during the tenure ?
watch this video:
ua-cam.com/video/3EQvsWdBruY/v-deo.html
excel already shared on my website
Please provide video after disbursement loan calculation
Video starts at 5. It’s should be crisp. No need to repeat same thing again and again.
Thanks for your feedback Neha. Will improve on upcoming videos. Stay tuned 🙂👍
Aapne accha bataya jo bhi bataya sbko smajh aya par mujhe nhi aya kyoki mera installment bharne ke baad bhi kabhi dusra account kabhi kam ho jata hai phir badh jata hai
Can i increase my Emi or can i pay lum sum amount like one EMI extra
Which is beneficial
both options are good. If you can afford to increase EMI than you should do that, or else make prepayments every 3-4 months
Home loan me emi me se intrest jyada kt ta h or principal bhut km
Apk example me emi me se principal amount jyada h or intrest amount km
Hmare ek sal ka jo emi gya h usme se principal amount 19000 or intrest amount 68000 gya tha
yes kyuki aapka loan tenure lambe samay ke liye hoga. Mere example me 8 years hai isliye kam hai
loan calculator check karo: fincalc-blog.in/home-loan-emi-calculator-and-calculation-method/
Thanks for video. But I have different query. I have in last stage of home loan after 10 years. Aprox 6 lakhs is remaining. Should I pay the whole amount or let it go as emi? Any suggestions? Any calculator available?
Please also create video on vehicle loan , consumer loan,gold loan ASAP
Personal Loan for contact me ..
He was expecting 500 likes for this and he is at 7.6K.
Hi there, execellent video. I have a query; this calculation doesn't match when there is a rise in interest rates, since bank also changes the tenure depending on that. In that scenario how to calculate?
PS. I have tried putting the modified values in the "Months Remaining" and "Interest" column.
Yes, correct.
Watch this video when interest rate changes in home loan:
ua-cam.com/video/3EQvsWdBruY/v-deo.html
hope this helps
(Interest rate+1) to the power n how to calculate formula please provide
Use this emi calculator on my website
fincalc-blog.in/home-loan-emi-calculator-and-calculation-method/
Also watch this video to understand more about home loan
ua-cam.com/video/lsbcQkJBGC8/v-deo.htmlsi=sRjzKOG3JQttzBVb
Very important and helpful video. But I want to know that some bank after home loan disbursement to the staff members of the Bank recover only interest amount from staff members up to some period on housing loan, then some period they start to recover principal amount from staff members of housing loan. So in this case how to prepare Excel worksheet for this type of recovery home loan EMI in case of staff members,,? Please guide us according ly . ASAP thanks
Personal Loan for contact me ..
7351072160
Sir home loan amount: 48,00,000, 8.6% tenur:17 years, loan taken single time: but first: 4 years: 59771 rs ,remains:13 years= 35768 rs how to calculate excel sheet for prepayment ,planning for reducing Tenurs please explain sir.
Amazing excel explanation 👌just wanted to confirm the amount mentioned under "interest" tab would be the amount we would be paying to the bank on monthly basis right.
Yes, correct
Personal Loan for contact me ..
7351072160
Pl
Jitna disbursement hota hai uske anusar emi banati hai ya sanction loan par. Yadi pura disbursh hone me 6 month lagte hai to emi kaise calculate karenge.
Same procedure hai EMI calculate Karne Ka. Disbursement amount pe calculate hota hai EMI
Personal Loan for contact me ..
What about floating interest rate? How we can calculate
yes floating interest rate calculation in another video.
watch here: ua-cam.com/video/3EQvsWdBruY/v-deo.html
Tq sir ,sir aap hame bataye ki EMI continue karte huye jo kuch amounts pre pay karte h to kya wo amount remaining principal amount me minus hoga?
Yes minus hota hai.. prepayment ka video dekho ye vala
ua-cam.com/video/liGgfgMn5xg/v-deo.htmlsi=ZiDj6qAG7xHb7dDk
What if I deposit a certain sum of money to my loan account other than the emi ...how will it work ? Got to hear that the amount deposited will be directly reduced from the principal amount . Is it true ?
Do you have any video which explain about the under construction properly and where full emi is getting deducted
Not yet but planning to upload soon. Stay tuned👍
@@fincalc will be waiting for it. Also another point is how interest and principal getting impacted due to change of ROI base RLLP
@@amitchettri_ac already made a video recently on home loan interest rate increase impact with calculations.
Watch here: ua-cam.com/video/Iddvu55S0vg/v-deo.html
Is me ye to batana tha ki is setup me ham total kitna intrest bharenge, yaani hamne jo 30 lakh ka loan lia is pe kitna extra pay kia hamne
Bataya hai na Bhai total interest paid. Home loan emi calculator bhi banaya hai vaha bhi aap check kar sakte ho total amount paid. Link fincalc-blog.in/home-loan-emi-calculator-and-calculation-method/
What tenure is to select better for homeloan .
Emi se jyada rakam bharege to interest cut hoga?
Bhai apne interest rate simple liya h ya compound ?
Hello, if you know the principal amount and repayment total value. How to find the interest percentage on this method And also know about the Monthly EMI.
Sir, your videos are very helpful and informative .thank you so much .
I don't understand what I do ?
kindly calculate the tenure , principle , interest, against 1.2 percent increased ROI.
I have taken home loan
15,00,000 for 15 yrs. Emi 15581.
at 9.2 % roi
But( nbfc) has increased 1.2%more.
Now it becomes 10.4 percent.
EMI is same .but nbfc has increased my tenure by 2 yrs. Without asking me. Kindly calculate the tenure please.also principle and interest.
Kindly provide the correct info. to know what actually is going on at nbfc.
Please please 🙏 help me.
Thanks sir mujhe asset from home. Lone Mai kase bharte h
Personal Loan for contact me .
My loan is not fully arrived.. And they started taking installment for the amount which they provided, what to do sir.. Could u tell me when is the starting of installment, after loan fully arrived or in between 1part of loan?
EPF Excel Calculation for closing organization please give table
Here's the excel file calculation video for EPF
Link: ua-cam.com/video/t7CsLyqaFac/v-deo.html
Personal Loan for contact me ...
Sir, Maine 15 lac home loan 9.5 % interest par 23 saal tak loan liya hai. Iske liye har mahine 13195 rs EMI de raha hoon. Iske alawa har saal ek emi zyada pay karta hoon, aur har mahine repayment of principal amount 10000 rs pay karta hoon. Kripya karke aap mujhe yeh batha deejiye mera loan kitne saal me khatam hoga? Thankyou.
Pahle nahi liya jata hai...jaise jaise principle paid kiya jata hai ...obviously...interest kam hoga.....
I am paying EMI on every month 15th how to prepare repayment schedule
Sir ap muje principal amount ka btaye ki vo kaise bdah jati hai
loan prepayment karke aap principal badha sakte ho.. ye video dekho: ua-cam.com/video/liGgfgMn5xg/v-deo.html
what should be the ideal ratio of Principal & Interest amount for the efficient usage of Loan?
Principal and interest amounts depends on many factors like your loan amount, interest rate and Tenure. Ultimately the goal should be to afford the EMI and also to pay less interest. So you have to check accordingly how much emi you can pay for how long. Ideal example would be to pay less interest as possible
Is there any excel sheet, where we can calculate wth floating roi also
?
for floating rates you need to make changes in the excel. Watch this video: ua-cam.com/video/Iddvu55S0vg/v-deo.html
soon I'll make another vide on floating rates as well with excel. Stay tuned
Video start after 2:55
🙏 veer ji aap se ek request hai veere muje ek video daily rs1000 deposit par mil jaye aap ki sied se agr posible ho to uss par interest rate 3% ya kuch bhi example k liye jo bhi ho ek chota sa video agr posible ho to veer ji daily deposit par 🙏
Daily deposit kisme? Savings account me ya loan account me?
Sir, I will pay 1 or 2 extra EMI in every year. So these extra amount will count as full principal amount or including minimum interest. My loan lender said your extra emi will be calculate from Last EMi. Hope my question understable
It will be considered as full principal amount + interest of few days will be taken
Watch this video for loan prepayment
ua-cam.com/video/liGgfgMn5xg/v-deo.html
@@fincalc Thank you
@@fincalc 1 more question, How much % EMI can pay from salary for easy life. Because I will going to take 2 loan PL and HL. PL for Down payment and others. And HL for flat cost.
@@Mumbai80 total emi should not be more than 50% of your monthly salary for easy life
..Bardhokko Bhatar taka..ki joint account Thakle Tate Paowa jabe..??
If more amount goes to principal from the emi instead of interest then it would be a chance to close loan before the tenure?...bcz interest always calculated on principle remaining so maximum amount goes to principal then the principal remaining will also come to reduce right...here u showed that at early stage high interest low principal wt if low interest high principal?
Hello sir , please could you tell me , how to calculate emi and interest and principle amount when the interest rate fluctuates after one year
To check EMI, principal and interest with variable interest rates, you have to use excel calculator I have provided, watch this video to understand more: ua-cam.com/video/vOrDMefUrDc/v-deo.html
also, I have made EMI calculator you can check that fincalc-blog.in/home-loan-emi-calculator-and-calculation-method/
hope this helps
Loan - 9,80,000
Time - 15 year
Interst -13%
Sir 2lkha ka kitna Dena podta hai manthly 5 sal ka