घर खरीदने से पहले करें कैलकुलेशन, सैलरी और EMI का बिठाएं तालमेल

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महानगरों में अपना खुद का घर कौन नहीं चाहता? इस सपने को पूरा करने के लिए ज्यादातर लोग बैंक लोन का सहारा लेते हैं। लेकिन कभी-कभी जल्दबाजी में लिया गया गलत फैसला उन पर भारी पड़ जाता है।

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होम लोन लेने से पहले सैलरी और ईएमआई के बीच कैलकुलेशन बिठाना काफी जरूरी होता है।

[{"selector":"#anim-fefc1552-e776-4047-bb8f-bfb2ce2b4ab0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(47.36538467779441%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-b8695002-ab8a-4574-bb71-632dc3b23d5d","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-aa2ef77f-619b-4821-b01d-e78b64895dee","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo Credit - Social Media

होम लोन लेने का सबसे आसान नियम यह है कि आपको अपनी आय का 25 प्रतिशत से अधिक हिस्सा ईएमआई में नहीं जाने देना चाहिए। वेतन का बाकी हिस्सा आपातकालीन और अन्य खर्चों के लिए बचाकर रखना चाहिए।

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इनके अलावा आपको एक और चीज देखनी चाहिए कि क्या आपकी सैलरी आपको घर खरीदने की इजाजत दे रही है।

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अगर आपकी मासिक आय 50 हजार रुपये है, तो इसका 25 फीसदी यानी सिर्फ 12 हजार रुपये ही ईएमआई में दिया जा सकता है।

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लोन देने वाली कंपनी आपकी टेक होम सैलरी को आधार मानती है और उसमें से ग्रेच्युटी, पीएफ, ईएसआई की कटौती की जाती है।

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अगर आपकी टेक होम सैलरी 25000 रुपये है तो कोई भी बैंक आपको 18.64 लाख रुपये लोन के तौर पर दे सकता है।

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होम लोन लेने से पहले आपको अपना सिबिल स्कोर या क्रेडिट स्कोर ठीक कर लेना चाहिए। इसके अलावा आवेदक की उम्र का भी होम लोन पर असर पड़ता है।

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