RBI का EMI Moratorium Option कौनसा सही रहेगा – इस Calculator से देखो

RBI has extended EMI Moratorium for 3 months. Download EMI Moratorium calculator to know best option – https://drive.google.com/file/d/1Q6mUx9N1HWvSl2EyE_AC3TV-fUHwXAhH/view?usp=sharing ------------------------------------------------------------------------------------------- Sign-up to our new app for discounts and early access: ✔ https://assetyogi.com/sign-up/ ---------------------------------------------------------------------------------------------- Related Videos: Master Investor Series /watch/bGqqz24xjXnVRLGs6h5zvW_U4ukpKDiSLP=tsil&QS8ePuSGSU2Gq Mutual Funds Series /watch/w37uQPFXjEKgt8BEM3y9-X_U4ukpKDiSLP=tsil&MVwqkp5LGP3Lu Home Loan Series by Asset Yogi - /watch/w37uQPFXjEKgt8BEM3y9-X_U4ukpKDiSLP=tsil&MVwqkp5LGP3Lu The Reserve Bank of India (RBI) had initially announced a moratorium on loan EMIs for 3 months from 1 Mar 2020 to 31 May 2020 but has now extended the same for three additional months. Therefore, the total moratorium on loan EMIs period which started on March 1, 2020 now extends up to August 31, 2020. The EMI moratorium provided would mean that if you have Home Loan EMI, Car Loan EMI, Personal Loan EMI, any other Term Loan EMI or even Credit card dues, you can avail the moratorium of upto 6 months announced by RBI recently. This facility is by all major banks like HDFC Bank, SBI, ICICI Bank, Axis Bank, PNB etc. However, the interest to be paid is not waived off but accrued and will become due to be paid later. In this video we will find out if it is beneficial to avail the EMI Moratorium and make an informed decision through an EMI Moratorium Calculator. भारतीय रिज़र्व बैंक (RBI) के द्वारा ऋण EMI पर मोरैटोरियम की योजना, शुरू में 1 मार्च 2020 से 31 मई 2020 तक 3 महीने के लिए की घोषित की थी लेकिन हाल ही में इसे तीन अतिरिक्त महीनों के लिए बढ़ा दिया है। इसलिए, ऋण EMI अवधि पर कुल मोरैटोरियम जो 1 मार्च, 2020 को शुरू हुआ था, अब 31 अगस्त, 2020 तक विस्तारित कर दिया गया है। प्रदान किए गए EMI मोरैटोरियम का मतलब है कि यदि आपके पास होम लोन EMI, कार लोन EMI, पर्सनल लोन EMI, कोई अन्य टर्म लोन EMI या यहां तक कि क्रेडिट कार्ड बकाया है, तो आप को हाल ही में RBI द्वारा घोषित 6 महीने तक के मोरैटोरियम से ब्याज भुक्तान से राहत मिल सकती है। यह सुविधा HDFC बैंक, SBI, ICICI बैंक, Axis बैंक, PNB आदि जैसे सभी प्रमुख बैंकों द्वारा दी गई है। पर इस योजना में भुगतान किए जाने वाले ब्याज को माफ़ नहीं किया जाएगा, बल्कि अर्जित कर उसकाभुक्तान बाद में करवाया जाएगा। इस वीडियो के द्वारा हम यह पता लगाएंगे कि क्या EMI Moratorium असल में फैयदेमंद है या नहीं और इसका सूचित निर्णय लेने के लिए हम EMI Moratorium Calculator इस्तेमाल करेंगे। In this video we have explained: 1. What is RBI EMI Moratorium? 2. Is RBI EMI Moratorium good or not? 3. Will EMI Moratorium benefit? 4. Pros & Cons of EMI Moratorium 5. EMI Moratorium Calculation with examples 6. Additional Amount that you may have to pay on your loan if you avail moratorium option 7. Will there be additional charges for not paying EMI in moratorium? 8. Do we have to pay the interest of moratorium period later? 9. How to decide to avail moratorium or not? 10. What are the benefits and drawbacks of EMI Moratorium? 11. What will be the payment options? 12. Which payment options will be best? 13. How to calculate EMI to be paid after moratorium? 14. Will credit score be affected in moratorium? First, we have to understand that moratorium is EMI holiday and not EMI waiver i.e. EMI will only get postponed. Additionally, interest will accrue during the EMI moratorium period which will get added to the outstanding Principal. RBI has said clearly that if an individual takes the EMI moratorium, it will not be considered a default, so no penalty will be levied and credit score (cibil score) will not be impacted. For banks, asset classification will not be downgraded. RBI has given three options to pay your dues: 1. One-time interest payment after moratorium period is over 2. You can increase your EMI outgo keeping the loan tenure as same 3. You can increase your Loan tenure keeping the EMI same Which option is best, we will understand in this video. Share This Video: /watch/w9cp9vvps2zpp Subscribe To Our Channel and Get More Finance Tips: /channel/UCsNxHPbaCWL1tKw2hxGQD6g Hit the bell icon, Click the Like button & share the video. Other Great Resources: AssetYogi – http://assetyogi.com/ Follow Us on: Instagram - http://instagram.com/assetyogi Tik Tok - http://vm.tiktok.com/PGJn8D/ Facebook – https://www.facebook.com/assetyogi Twitter - http://twitter.com/assetyogi Linkedin - https://www.linkedin.com/company/asset-yogi/ Pinterest - http://pinterest.com/assetyogi/ Hope you like this video on “RBI का EMI Moratorium Option कौनसा सही रहेगा? – इस Calculator से देखो”

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