10% Interest Par Asal Mein 14%? APR Samjho! #oolka #creditworthy #apr

Bank aksar sirf loan ka interest rate highlight karke customers ko attract karta hai. Example ke liye bolega, "sirf 10% interest par loan le jao!" Lekin kya aapne kabhi socha hai ki aapka actual payout 10% se kaafi zyada ho sakta hai? Iss video mein hum interest rate aur APR (Annual Percentage Rate) ke beech ka farq samjha rahe hain. Interest rate sirf us principal amount par lagne wala yearly interest % hota hai jo aapne loan liya hai. Wahin APR us loan se judi saari fees aur charges ko include karke nikala gaya effective interest % hai. Yaani APR hi loan ka asli total cost batata hai.

Ek example se samajhte hain: ₹5 lakh ka personal loan 10% interest rate par liya, jisse lagta hai ki loan kaafi sasta hai. Lekin maan lijiye is loan par ₹15,000 ki processing fee aur kuch insurance/GST charges bhi lage. In sab additional kharchon ko jodne ke baad jo effective rate banta hai, woh lagbhag 12% (APR) ho jayega. Matlab aap soch rahe the ki aap 10% interest de rahe hain, par asal mein aap ~12% ke hisab se paise chuka rahe hain. 😕 Kaafi farq pad gaya, right?

Isiliye jab bhi aap alag-alag loans compare kar rahe ho, kabhi bhi sirf interest rate dekh kar faisla mat karo. Dono loans ka APR compare karna bahut zaroori hai taaki aapko pata chale kaunsa loan overall sasta hai. Agar aap in cheezon ko le kar confuse hain ya decision lene mein help chahiye, toh Oolka app par AI CIBIL Expert se salah le sakte hain. Oolka ka AI expert aapke saare sawalon ka jawab 24/7 dega aur aapko batayega ki kaunsa offer aapke liye best rahega. Aap Oolka par apna credit score bhi check kar sakte hain aur aur financial tips hasil kar sakte hain. Sahi faisle lene ke liye Oolka download kariye aur apne paison par control paaiye! 💪

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