{"id":215111,"date":"2025-10-21T12:01:00","date_gmt":"2025-10-21T06:31:00","guid":{"rendered":"https:\/\/divyapradesh.com\/?p=215111"},"modified":"2025-10-21T12:01:00","modified_gmt":"2025-10-21T06:31:00","slug":"a-30-year-home-loan-doubles-the-price-learn-how-to-save-3-6-million-rupees","status":"publish","type":"post","link":"https:\/\/divyapradesh.com\/?p=215111","title":{"rendered":"30 \u0938\u093e\u0932 \u0915\u093e \u0939\u094b\u092e \u0932\u094b\u0928, \u0926\u094b\u0917\u0941\u0928\u0940 \u0915\u0940\u092e\u0924! \u091c\u093e\u0928\u093f\u090f \u0915\u0948\u0938\u0947 \u092c\u091a\u093e\u090f\u0902 36 \u0932\u093e\u0916"},"content":{"rendered":"

\u0939\u094b\u092e \u0932\u094b\u0928 \u0932\u0947\u0928\u093e \u0905\u0915\u094d\u0938\u0930 \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u093e \u092c\u0921\u093c\u093e \u0915\u0926\u092e \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0915\u0926\u092e \u0915\u0908 \u092c\u093e\u0930 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u091f\u094d\u0930\u0948\u092a \u092d\u0940 \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u091a\u093e\u0930\u094d\u091f\u0930\u094d\u0921 \u0905\u0915\u093e\u0909\u0902\u091f\u0947\u0902\u091f \u0928\u0947 \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u092c\u0924\u093e\u092f\u093e \u0915\u093f \u0932\u094b\u0917 \u0939\u094b\u092e \u0932\u094b\u0928 \u092e\u0947\u0902 \u0905\u0915\u094d\u0938\u0930 \u0915\u0948\u0938\u0947 \u092b\u0902\u0938 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0915\u093f\u0928 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 36 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0924\u0915 \u0915\u0940 \u092c\u091a\u0924 \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n

\u0939\u094b\u092e \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u092e\u0947\u0902 \u0906\u092e \u0917\u0932\u0924\u093f\u092f\u093e\u0902<\/strong>
\n\u0915\u0947\u0935\u0932 EMI \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u093e
\n50 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0915\u0947 20 \u0938\u093e\u0932 \u0915\u0947 \u0932\u094b\u0928 \u092a\u0930 \u092e\u093e\u0938\u093f\u0915 EMI \u0932\u0917\u092d\u0917 43,400 \u0930\u0941\u092a\u092f\u0947 \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0915\u0941\u0932 \u092c\u094d\u092f\u093e\u091c 54 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u092c\u0928\u0924\u093e \u0939\u0948\u0964 \u0905\u0917\u0930 \u0905\u0935\u0927\u093f \u092c\u0922\u093c\u093e\u0915\u0930 30 \u0938\u093e\u0932 \u0915\u0930 \u0926\u0940 \u091c\u093e\u090f \u0924\u094b EMI \u0918\u091f\u0915\u0930 38,600 \u0930\u0941\u092a\u092f\u0947 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0915\u0941\u0932 \u092c\u094d\u092f\u093e\u091c \u092c\u0922\u093c\u0915\u0930 88 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u092f\u0939 \u0939\u0948 \u0915\u093f \u0906\u092a \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0925\u094b\u0921\u093c\u0940 \u092c\u091a\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u092c\u0948\u0902\u0915 \u0915\u094b \u0915\u0941\u0932 34 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0926\u0947 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964
\n\u092b\u094d\u0932\u094b\u091f\u093f\u0902\u0917 \u0930\u0947\u091f \u0915\u093e \u0927\u094d\u092f\u093e\u0928 \u0928 \u0930\u0916\u0928\u093e
\n\u0915\u0908 \u0915\u0930\u094d\u091c\u0926\u093e\u0930 RBI \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092e\u0947\u0902 \u0915\u091f\u094c\u0924\u0940 \u0915\u093e \u0932\u093e\u092d \u0928\u0939\u0940\u0902 \u0909\u0920\u093e\u0924\u0947\u0964 \u0915\u094c\u0936\u093f\u0915 \u0928\u0947 \u0915\u0939\u093e \u0915\u093f RLLR (Repo Linked Lending Rate) \u0932\u094b\u0928 \u092a\u0930 \u0932\u0917\u093e\u0924\u093e\u0930 \u0928\u091c\u0930 \u0930\u0916\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u0948 \u0924\u093e\u0915\u093f \u0906\u092a \u092c\u094d\u092f\u093e\u091c \u0915\u091f\u094c\u0924\u0940 \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u0924\u0941\u0930\u0902\u0924 \u0932\u0947 \u0938\u0915\u0947\u0902\u0964
\nEMI \u0938\u094d\u091f\u094d\u0930\u0915\u094d\u091a\u0930 \u0915\u094b \u0917\u0932\u0924 \u0938\u092e\u091d\u0928\u093e
\n\u0932\u094b\u0917 \u092e\u093e\u0928\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f EMI \u092e\u0947\u0902 \u092e\u0942\u0932\u0927\u0928 \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u092c\u0930\u093e\u092c\u0930-\u092c\u0930\u093e\u092c\u0930 \u092c\u0902\u091f\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0936\u0941\u0930\u0941\u0906\u0924\u0940 \u0938\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 EMI \u0915\u093e 70-80% \u0939\u093f\u0938\u094d\u0938\u093e \u092c\u094d\u092f\u093e\u091c \u092e\u0947\u0902 \u091a\u0932\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964
\nEMI \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u091f\u0947\u0928\u094d\u092f\u094b\u0930 \u092c\u0922\u093c\u093e\u0928\u093e
\n\u0905\u0935\u0927\u093f \u0932\u0902\u092c\u0940 \u0915\u0930\u0928\u0947 \u0938\u0947 EMI \u0924\u094b \u0918\u091f\u0924\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092c\u094d\u092f\u093e\u091c \u0915\u093e \u092c\u094b\u091d \u0924\u0947\u091c\u0940 \u0938\u0947 \u092c\u0922\u093c\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u092c\u091c\u093e\u092f, \u0905\u0935\u0927\u093f \u0935\u0948\u0938\u0947 \u0915\u0940 \u0935\u0948\u0938\u0947 \u0930\u0916\u0924\u0947 \u0939\u0941\u090f EMI \u0915\u094b \u0925\u094b\u0921\u093c\u093e \u092c\u0922\u093c\u093e\u0928\u093e \u092c\u0947\u0939\u0924\u0930 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n

\u0939\u094b\u092e \u0932\u094b\u0928 \u092a\u0930 \u0932\u093e\u0916\u094b\u0902 \u0915\u0940 \u092c\u091a\u0924 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902?<\/strong>
\n\u0939\u0930 \u0938\u093e\u0932 \u090f\u0915 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 EMI \u092a\u0947\u092e\u0947\u0902\u091f
\n\u0938\u093e\u0932\u093e\u0928\u093e \u090f\u0915 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 EMI \u0926\u0947\u0928\u0947 \u0938\u0947 11.5 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u092c\u094d\u092f\u093e\u091c \u092c\u091a\u093e\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948, \u0914\u0930 50 \u0932\u093e\u0916 \u0915\u093e \u0932\u094b\u0928 5 \u0938\u093e\u0932 \u092a\u0939\u0932\u0947 \u091a\u0941\u0915\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964
\n\u0938\u094d\u091f\u0947\u092a-\u0905\u092a \u0930\u093f\u092a\u0947\u092e\u0947\u0902\u091f
\nEMI \u092e\u0947\u0902 \u0939\u0930 \u0938\u093e\u0932 5% \u092c\u0922\u093c\u094b\u0924\u0930\u0940 \u0915\u0930\u0928\u0947 \u0938\u0947 25 \u0938\u093e\u0932 \u0915\u093e \u0932\u094b\u0928 12 \u0938\u093e\u0932 \u092e\u0947\u0902 \u091a\u0941\u0915\u093e\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0914\u0930 26 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u092c\u091a\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 10% \u0938\u093e\u0932\u093e\u0928\u093e \u092c\u0922\u093c\u094b\u0924\u0930\u0940 \u0938\u0947 \u0932\u094b\u0928 10 \u0938\u093e\u0932 \u092e\u0947\u0902 \u091a\u0941\u0915\u093e\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0914\u0930 36 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0915\u0940 \u092c\u091a\u0924 \u0938\u0902\u092d\u0935 \u0939\u0948\u0964
\n\u091f\u0948\u0915\u094d\u0938 \u092c\u0947\u0928\u093f\u092b\u093f\u091f \u0915\u093e \u0938\u0939\u0940 \u0909\u092a\u092f\u094b\u0917
\n\u0927\u093e\u0930\u093e 80C \u0914\u0930 24B \u0915\u0947 \u0924\u0939\u0924 \u092e\u0942\u0932\u0927\u0928 \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u092a\u0930 \u0915\u091f\u094c\u0924\u0940 \u0915\u093e \u0932\u093e\u092d \u0909\u0920\u093e\u090f\u0902\u0964 \u0938\u0939-\u0915\u0930\u094d\u091c\u0926\u093e\u0930 \u0939\u094b\u0928\u0947 \u092a\u0930 \u092f\u0939 \u092c\u091a\u0924 \u0926\u094b\u0917\u0941\u0928\u093e \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964
\n\u091c\u0932\u094d\u0926\u0940 \u092d\u0941\u0917\u0924\u093e\u0928
\n\u092a\u0939\u0932\u0947 5-7 \u0938\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0938\u092e\u092f \u0938\u0947 \u092a\u0939\u0932\u0947 EMI \u091a\u0941\u0915\u093e\u0928\u0947 \u0938\u0947 \u0938\u092c\u0938\u0947 \u0905\u0927\u093f\u0915 \u092c\u094d\u092f\u093e\u091c \u092c\u091a\u0924\u093e \u0939\u0948\u0964
\n\u0939\u094b\u092e \u0932\u094b\u0928 \u092c\u0948\u0932\u0947\u0902\u0938 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930
\n\u092f\u0926\u093f \u0928\u092f\u093e \u0932\u094b\u0928 \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u0930 \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0948 (\u091c\u0948\u0938\u0947 7.5%) \u0914\u0930 \u0906\u092a\u0915\u093e \u092e\u094c\u091c\u0942\u0926\u093e \u0932\u094b\u0928 8.8% \u092a\u0930 \u0939\u0948, \u0924\u094b \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0938\u0947 \u0915\u0908 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0915\u0940 \u092c\u091a\u0924 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n

RBI \u0930\u0947\u092a\u094b \u0930\u0947\u091f \u0915\u091f\u094c\u0924\u0940 \u0938\u0947 \u092d\u0940 \u0939\u094b\u0917\u0940 \u092c\u091a\u0924<\/strong>
\n\u0907\u0938 \u0938\u093e\u0932 RBI \u0928\u0947 \u0930\u0947\u092a\u094b \u0930\u0947\u091f \u092e\u0947\u0902 \u0932\u0917\u093e\u0924\u093e\u0930 100 \u092c\u0947\u0938\u093f\u0938 \u092a\u0949\u0907\u0902\u091f \u0915\u091f\u094c\u0924\u0940 \u0915\u0940\u0964
\n 20 \u0938\u093e\u0932 \u0915\u0947 1 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0915\u0947 \u0932\u094b\u0928 \u092a\u0930 EMI 65 \u0930\u0941\u092a\u092f\u0947 \u0915\u092e \u0939\u094b\u0917\u0940\u0964
\n25 \u0932\u093e\u0916 \u092a\u0930 1,625 \u0930\u0941\u092a\u092f\u0947 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u0914\u0930 50 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u092a\u0930 3,250 \u0930\u0941\u092a\u092f\u0947 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u0915\u0940 \u092c\u091a\u0924 \u0939\u094b\u0917\u0940\u0964<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0939\u094b\u092e \u0932\u094b\u0928 \u0932\u0947\u0928\u093e \u0905\u0915\u094d\u0938\u0930 \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u093e \u092c\u0921\u093c\u093e \u0915\u0926\u092e \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0915\u0926\u092e \u0915\u0908 \u092c\u093e\u0930 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u091f\u094d\u0930\u0948\u092a \u092d\u0940 \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u091a\u093e\u0930\u094d\u091f\u0930\u094d\u0921 \u0905\u0915\u093e\u0909\u0902\u091f\u0947\u0902\u091f \u0928\u0947 \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u092c\u0924\u093e\u092f\u093e \u0915\u093f \u0932\u094b\u0917 \u0939\u094b\u092e \u0932\u094b\u0928 \u092e\u0947\u0902 \u0905\u0915\u094d\u0938\u0930 \u0915\u0948\u0938\u0947 \u092b\u0902\u0938 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0915\u093f\u0928 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 36 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947 \u0924\u0915 \u0915\u0940 \u092c\u091a\u0924 \u0915\u0940 \u091c\u093e …<\/p>\n","protected":false},"author":1,"featured_media":215112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[32,15915],"_links":{"self":[{"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/posts\/215111"}],"collection":[{"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=215111"}],"version-history":[{"count":0,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/posts\/215111\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=\/wp\/v2\/media\/215112"}],"wp:attachment":[{"href":"https:\/\/divyapradesh.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=215111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=215111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/divyapradesh.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=215111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}