Hum jab bhi koi cheez purchase karte hain ya khareedate hain, especially tab jab us item ki cost kaafi zyada hoti hai – jaise TV, Washing Machine, ya phone – to dukaandaar hume EMI ka option dete hain. Magar ye option aakhir hota kya hai?
EMI kya hoti hai?
EMI, ya Equated Monthly Installment, ek set (tay kari gai) payment hoti hai. Let’s say aapne EMI ka option chuna hai. To aap bank se ek loan lete hain. Yeh loan, ya fir ye fixed (tay kara gaya)
amount, aap har mahine thoda thoda karke chukaate hain aur iske liye har month ek particular date par ya to online ya fir cheque se payment karte hain. In fact, jo aap ye installments (kishtein) pay karte hain, inhi ko EMI ke naam se jaana jaata hai.
EMIs generally bank se loans lene ke time par applicable (laagu) hota hai.
EMI se kis kisko faayda hota hai?
Is option se na sirf unhe faayda hota hai jo amount borrow (udhaar) karte hai, yaani borrower. But unhe bhi jo ye amount lend (dete) karte hain, yaani lender.
EMI aapke payment process ko kaafi aasan bana deta hai. Agar aap borrower hain, to aapko sara amount ek hi baari me nahi dena padta aur aap stress (tanaav) se bach jaate hain. Plus, because aapko pata hota hai ki har mahine aapne kitna amount pay karna hai, aap apni savings (bachat) ya kharche better manage kar paate hain.
Because ye ek loan hota hai, aapko yeh kuch time me ise chukana padta hai. Also, aapko ek interest (byaaz) bhi pay karna padta hai.
Lenders ko faayda iske interest se hota hai because inke paas har mahine ek amount aata rehta hai. To yaha unhe consistency (sthirta) aur predictability (anumaan) bhi ho jati hai.
Yun to EMI loans par calculate hota hai, magar aap apni Credit and Debit cards ki payments par bhi EMI choose kar sakte hain.
EMI baaki payment methods se alag kaise hai?
Baki payment methods, jaise online payments, cheque, debit cards ya credit cards*, netbanking, aapko payments karne to dete hain, magar in options me aapko ek hi baari me amount pay karne padta hai. EMI se aap ye payable (jo dena hai) amount kuch time period me divide kar dete hain jissey aapko har mahine total amount se kam amount, with interest, pay karna padta hai.
* Magar credit cards bhi to hume ek tareeke ka loan dete hain. Agar simple bhaasha me batae, to haan, Credit cards bhi aapko ek loan deta hai magar credit card me aap fixed payment nahi karte hain. Haan, ye alag baat hai ki aap apne Credit card par EMI ka option bhi le sakte hain.
Agar aap apna EMI amount nahi pay kar paayein to?
Generally, hume aisi situation me aana avoid karna chahiye. Magar, agar aisa hota hai to:
Default avoid karne ke liye zaroori hai ki aap pehle se planning karke rakhe aur in case koi payment miss ho jati hai to apne lender se openly communicate karein.
