{"id":996152,"date":"2026-01-18T18:26:47","date_gmt":"2026-01-18T12:56:47","guid":{"rendered":"https:\/\/prahaar.in\/rppl\/?p=996152"},"modified":"2026-01-18T18:26:47","modified_gmt":"2026-01-18T12:56:47","slug":"i-took-out-a-loan-but-when-i-pay-the-installment-my-budget-collapses","status":"publish","type":"post","link":"https:\/\/prahaar.in\/rppl\/2026\/01\/18\/i-took-out-a-loan-but-when-i-pay-the-installment-my-budget-collapses\/","title":{"rendered":"\u0915\u0930\u094d\u091c \u0918\u0947\u0924\u0932\u0902, \u092a\u0923 \u0939\u092a\u094d\u0924\u093e \u092d\u0930\u0932\u093e \u0915\u0940 \u092c\u091c\u0947\u091f \u0915\u094b\u0932\u092e\u0921\u0924\u0902!"},"content":{"rendered":"

‘\u0921\u0947\u091f-\u091f\u0942-\u0907\u0928\u0915\u092e \u0930\u0947\u0936\u094b’\u0928\u0947 \u092e\u093f\u0933\u0947\u0932 \u092a\u0930\u094d\u092f\u093e\u092f<\/strong><\/h2>\n

\u0928\u0935\u0940 \u0926\u093f\u0932\u094d\u0932\u0940 (\u0935\u0943\u0924\u094d\u0924\u0938\u0902\u0938\u094d\u0925\u093e) : \u0918\u0930 \u0916\u0930\u0947\u0926\u0940 \u0905\u0938\u094b, \u0917\u093e\u0921\u0940 \u0918\u0947\u0923\u0947 \u0905\u0938\u094b \u0915\u093f\u0902\u0935\u093e \u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u0917\u0930\u091c\u093e \u092a\u0942\u0930\u094d\u0923 \u0915\u0930\u0923\u0947 \u0905\u0938\u094b, \u092f\u093e \u0938\u0930\u094d\u0935\u093e\u0902\u0938\u093e\u0920\u0940 \u0915\u0930\u094d\u091c \u0918\u0947\u0923\u0947 \u0938\u094b\u092a\u0947 \u091d\u093e\u0932\u0947 \u0906\u0939\u0947. \u092e\u093e\u0924\u094d\u0930, \u0905\u0928\u0947\u0915 \u0932\u094b\u0915\u093e\u0902\u0938\u093e\u0920\u0940 \u0915\u0930\u094d\u091c\u093e\u091a\u093e \u0939\u092a\u094d\u0924\u093e (\u0908\u090f\u092e\u0906\u092f) \u092d\u0930\u0923\u0947 \u0921\u094b\u0915\u0947\u0926\u0941\u0916\u0940 \u0920\u0930\u0924\u0947. \u091a\u0932\u093e \u091c\u093e\u0923\u0942\u0928 \u0918\u0947\u090a\u092f\u093e \u0905\u0938\u0947 \u0915\u093e \u0939\u094b\u0924\u0947 \u0915\u0940 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092e\u0939\u093f\u0928\u094d\u092f\u093e\u091a\u093e \u0908\u090f\u092e\u0906\u092f \u0924\u094d\u092f\u093e\u0902\u091a\u0947 \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u092c\u091c\u0947\u091f \u0916\u0930\u093e\u092c \u0915\u0930\u0924\u0947.<\/p>\n

\u0916\u0930\u0902 \u0924\u0930 \u0939\u094b\u092e \u0932\u094b\u0928, \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u0915\u093f\u0902\u0935\u093e \u0907\u0924\u0930 \u0915\u094b\u0923\u0924\u0947\u0939\u0940 \u0915\u0930\u094d\u091c \u092b\u0947\u0921\u0923\u094d\u092f\u093e\u0938\u093e\u0920\u0940 \u0908\u090f\u092e\u0906\u092f\u091a\u093e \u0935\u093e\u092a\u0930 \u0915\u0947\u0932\u093e \u091c\u093e\u0924\u094b. \u0905\u0928\u0947\u0915\u0926\u093e \u0932\u094b\u0915 \u0935\u093f\u091a\u093e\u0930 \u0928 \u0915\u0930\u0924\u093e \u0915\u0930\u094d\u091c \u0918\u0947\u0924\u093e\u0924 \u0906\u0923\u093f \u0928\u0902\u0924\u0930 \u0908\u090f\u092e\u0906\u092f \u0924\u094d\u092f\u093e\u0902\u091a\u094d\u092f\u093e \u092c\u091c\u0947\u091f\u091a\u094d\u092f\u093e \u092c\u093e\u0939\u0947\u0930 \u091c\u093e\u0924\u094b. \u092e\u094d\u0939\u0923\u0942\u0928\u091a \u0906\u092a\u0923 ‘\u0921\u0947\u091f-\u091f\u0942-\u0907\u0928\u0915\u092e \u0930\u0947\u0936\u094b’ (Debt-to-Income Ratio – DTI) \u092c\u0926\u094d\u0926\u0932 \u091c\u093e\u0923\u0942\u0928 \u0918\u0947\u0923\u093e\u0930 \u0906\u0939\u094b\u0924, \u091c\u094d\u092f\u093e\u092e\u0941\u0933\u0947 \u0924\u0941\u092e\u094d\u0939\u093e\u0932\u093e \u0908\u090f\u092e\u0906\u092f\u091a\u093e \u0915\u0927\u0940\u0939\u0940 \u0924\u094d\u0930\u093e\u0938 \u0939\u094b\u0923\u093e\u0930 \u0928\u093e\u0939\u0940.<\/p>\n

\u0915\u093e\u092f \u0906\u0939\u0947 \u0921\u0947\u091f-\u091f\u0942-\u0907\u0928\u0915\u092e \u0930\u0947\u0936\u094b?<\/p>\n

\u0921\u0947\u091f-\u091f\u0942-\u0907\u0928\u0915\u092e \u0930\u0947\u0936\u094b \u092e\u094d\u0939\u0923\u091c\u0947\u091a \u0921\u0940\u091f\u0940\u0906\u092f \u0939\u0947 \u0938\u093e\u0902\u0917\u0924\u0947 \u0915\u0940, \u0924\u0941\u092e\u094d\u0939\u0940 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u092e\u0939\u093f\u0928\u094d\u092f\u093e\u091a\u094d\u092f\u093e \u092a\u0917\u093e\u0930\u093e\u0924\u0940\u0932 \u0915\u093f\u0924\u0940 \u091f\u0915\u094d\u0915\u0947 \u0939\u093f\u0938\u094d\u0938\u093e \u0908\u090f\u092e\u0906\u092f \u092e\u094d\u0939\u0923\u0942\u0928 \u0926\u0947\u090a \u0936\u0915\u0924\u093e. \u0939\u0947 \u0915\u0945\u0932\u094d\u0915\u094d\u092f\u0941\u0932\u0947\u091f \u0915\u0930\u0923\u0947 \u0905\u0924\u094d\u092f\u0902\u0924 \u0938\u094b\u092a\u0947 \u0906\u0939\u0947. \u0938\u092e\u091c\u093e \u0924\u0941\u092e\u091a\u093e \u092a\u0917\u093e\u0930 \u096b\u0966 \u0939\u091c\u093e\u0930 \u0906\u0939\u0947 \u0906\u0923\u093f \u0908\u090f\u092e\u0906\u092f \u0967\u096b \u0939\u091c\u093e\u0930 \u0906\u0939\u0947, \u0924\u0930 \u0924\u0941\u092e\u091a\u093e DTI \u0969\u0966% \u0905\u0938\u0947\u0932. \u092f\u093e\u091a\u093e \u0905\u0930\u094d\u0925 \u0905\u0938\u093e \u0915\u0940 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u0909\u0924\u094d\u092a\u0928\u094d\u0928\u093e\u091a\u093e \u0969\u0966 \u091f\u0915\u094d\u0915\u0947 \u0939\u093f\u0938\u094d\u0938\u093e \u0906\u0927\u0940\u091a \u0908\u090f\u092e\u0906\u092f \u092e\u0927\u094d\u092f\u0947 \u091c\u093e\u0924 \u0906\u0939\u0947.<\/p>\n

DTI \u0915\u0945\u0932\u094d\u0915\u094d\u092f\u0941\u0932\u0947\u091f \u0915\u0930\u0923\u0947 \u0915\u093e \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u0947 \u0906\u0939\u0947?<\/p>\n

    \n
  1. \u091c\u0930 \u0924\u0941\u092e\u094d\u0939\u0940 \u0915\u0930\u094d\u091c\u093e\u091a\u093e \u0939\u092a\u094d\u0924\u093e \u0935\u0947\u0933\u0947\u0935\u0930 \u092d\u0930\u0932\u093e \u0928\u093e\u0939\u0940, \u0924\u0930 \u0924\u0941\u092e\u091a\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0916\u0930\u093e\u092c \u0939\u094b\u0908\u0932.<\/li>\n
  2. \u092c\u0901\u0915 \u0915\u0930\u094d\u091c \u092e\u0902\u091c\u0942\u0930 \u0915\u0930\u0923\u094d\u092f\u093e\u092a\u0942\u0930\u094d\u0935\u0940 \u0939\u0947 \u092a\u093e\u0939\u0924\u0947 \u0915\u0940 \u0924\u0941\u092e\u091a\u093e \u0908\u090f\u092e\u0906\u092f \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u0909\u0924\u094d\u092a\u0928\u094d\u0928\u093e\u091a\u094d\u092f\u093e \u0969\u0966-\u096a\u0966% \u092a\u0947\u0915\u094d\u0937\u093e \u091c\u093e\u0938\u094d\u0924 \u0928\u0938\u093e\u0935\u093e.<\/li>\n
  3. \u091c\u0930 \u0908\u090f\u092e\u0906\u092f \u0916\u0942\u092a \u091c\u093e\u0938\u094d\u0924 \u0905\u0938\u0947\u0932, \u0924\u0930 \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u092c\u091a\u0924\u0940\u0935\u0930 \u0906\u0923\u093f \u0907\u0924\u0930 \u0916\u0930\u094d\u091a\u093e\u0902\u0935\u0930 \u092a\u0930\u093f\u0923\u093e\u092e \u0939\u094b\u0924\u094b.<\/li>\n
  4. \u091c\u094d\u092f\u093e\u0902\u091a\u093e DTI \u0915\u092e\u0940 \u0905\u0938\u0924\u094b, \u0924\u094d\u092f\u093e\u0902\u0928\u093e \u092c\u0901\u0915\u093e \u0915\u092e\u0940 \u0935\u094d\u092f\u093e\u091c\u0926\u0930\u093e\u0928\u0947 \u0915\u0930\u094d\u091c \u0926\u0947\u0923\u094d\u092f\u093e\u0938 \u0924\u092f\u093e\u0930 \u0905\u0938\u0924\u093e\u0924.<\/li>\n
  5. \u0905\u0928\u0947\u0915 \u0906\u0930\u094d\u0925\u093f\u0915 \u0924\u091c\u094d\u091c\u094d\u091e\u093e\u0902\u091a\u094d\u092f\u093e \u092e\u0924\u0947, \u0924\u0941\u092e\u091a\u094d\u092f\u093e \u092a\u0917\u093e\u0930\u093e\u091a\u094d\u092f\u093e \u0969\u0966% \u092a\u0947\u0915\u094d\u0937\u093e \u091c\u093e\u0938\u094d\u0924 \u0930\u0915\u094d\u0915\u092e \u0908\u090f\u092e\u0906\u092f \u092e\u0927\u094d\u092f\u0947 \u091c\u093e\u090a \u0928\u092f\u0947. \u092f\u093e\u092e\u0941\u0933\u0947 \u0918\u0930\u093e\u091a\u093e \u0916\u0930\u094d\u091a, \u092e\u0941\u0932\u093e\u0902\u091a\u0947 \u0936\u093f\u0915\u094d\u0937\u0923, \u092e\u0947\u0921\u093f\u0915\u0932 \u0907\u092e\u0930\u094d\u091c\u0928\u094d\u0938\u0940 \u0906\u0923\u093f \u092c\u091a\u0924 \u092f\u093e\u0902\u0938\u093e\u0930\u0916\u094d\u092f\u093e \u0907\u0924\u0930 \u0917\u0930\u091c\u093e \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u093e\u0939\u0924\u093e\u0924.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

    ‘\u0921\u0947\u091f-\u091f\u0942-\u0907\u0928\u0915\u092e \u0930\u0947\u0936\u094b’\u0928\u0947 \u092e\u093f\u0933\u0947\u0932 \u092a\u0930\u094d\u092f\u093e\u092f \u0928\u0935\u0940 \u0926\u093f\u0932\u094d\u0932\u0940 (\u0935\u0943\u0924\u094d\u0924\u0938\u0902\u0938\u094d\u0925\u093e) : \u0918\u0930 \u0916\u0930\u0947\u0926\u0940 \u0905\u0938\u094b, \u0917\u093e\u0921\u0940 \u0918\u0947\u0923\u0947 \u0905\u0938\u094b \u0915\u093f\u0902\u0935\u093e \u0935\u0948\u092f\u0915\u094d\u0924\u093f\u0915 \u0917\u0930\u091c\u093e \u092a\u0942\u0930\u094d\u0923 \u0915\u0930\u0923\u0947 \u0905\u0938\u094b, \u092f\u093e \u0938\u0930\u094d\u0935\u093e\u0902\u0938\u093e\u0920\u0940 \u0915\u0930\u094d\u091c \u0918\u0947\u0923\u0947 \u0938\u094b\u092a\u0947 \u091d\u093e\u0932\u0947 \u0906\u0939\u0947. \u092e\u093e\u0924\u094d\u0930, \u0905\u0928\u0947\u0915 \u0932\u094b\u0915\u093e\u0902\u0938\u093e\u0920\u0940 \u0915\u0930\u094d\u091c\u093e\u091a\u093e \u0939\u092a\u094d\u0924\u093e (\u0908\u090f\u092e\u0906\u092f) \u092d\u0930\u0923\u0947 \u0921\u094b\u0915\u0947\u0926\u0941\u0916\u0940 \u0920\u0930\u0924\u0947. \u091a\u0932\u093e \u091c\u093e\u0923\u0942\u0928 \u0918\u0947\u090a\u092f\u093e \u0905\u0938\u0947 \u0915\u093e \u0939\u094b\u0924\u0947 \u0915\u0940 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u092e\u0939\u093f\u0928\u094d\u092f\u093e\u091a\u093e \u0908\u090f\u092e\u0906\u092f \u0924\u094d\u092f\u093e\u0902\u091a\u0947 \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u092c\u091c\u0947\u091f \u0916\u0930\u093e\u092c \u0915\u0930\u0924\u0947. \u0916\u0930\u0902 \u0924\u0930 \u0939\u094b\u092e \u0932\u094b\u0928, […]<\/p>\n","protected":false},"author":34,"featured_media":996154,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[123472],"tags":[129355,2451],"class_list":["post-996152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-world","tag-installment","tag-loan"],"_links":{"self":[{"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/posts\/996152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/comments?post=996152"}],"version-history":[{"count":0,"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/posts\/996152\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/media\/996154"}],"wp:attachment":[{"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/media?parent=996152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/categories?post=996152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prahaar.in\/rppl\/wp-json\/wp\/v2\/tags?post=996152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}