मनोज देय की नई कर ली गई हैं ईएमआई पर मनोज ने 20 लाख की डाउन पेमेंट पर 24 किस्तों पर 40 लाख के लॉन पर
देखते हैं क्या हैं उनकी किस्त
1,83,600/- की किस्त है मनोज देय की नई कार fortuner की
- Calculate the Loan Amount:
Loan amount = Total amount – Down payment
Loan amount = Rs. 6,000,000 – Rs. 2,000,000
Loan amount = Rs. 4,000,000 - Calculate Monthly Interest Rate:
Monthly interest rate = Annual interest rate / 12
Annual interest rate = 8%
Monthly interest rate = 8% / 12 = 0.6667% per month
Monthly interest rate = 0.006667 (in decimal) - Calculate EMI using the formula:
[ EMI = P \times \frac{r \times (1 + r)^n}{(1 + r)^n – 1} ] Where:
- P = Loan amount (principal)
- r = Monthly interest rate
- n = Loan tenure in months Given:
- Loan amount (P) = Rs. 4,000,000
- Monthly interest rate (r) = 0.006667
- Loan tenure (n) = 24 months Now, calculate (1 + r)^n:
[ (1 + 0.006667)^{24} \approx 1.169865 ] Calculate the numerator:
[ r \times (1 + r)^n = 0.006667 \times 1.169865 \approx 0.007802 ] Calculate (1 + r)^n – 1:
[ (1 + r)^n – 1 = 1.169865 – 1 = 0.169865 ] Divide numerator by denominator:
[ \frac{0.007802}{0.169865} \approx 0.0459 ] Multiply by loan amount:
[ EMI = 4,000,000 \times 0.0459 \approx Rs. 183,600 ]
Therefore, the EMI for a loan amount of Rs. 4,000,000 at 8% annual interest rate, with a down payment of Rs. 2,000,000, and a tenure of 24 months is approximately Rs. 183,600 per month.