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A GROSS MARGIN IS CALCULATED ON TURNOVER IN A YEAR IS TREATED AS PROFIT.65% OF THAT PROFIT & IS DIVIDED BY 12 GIVES US  MONTHLY  INCOME WHICH CAN BE PAYABLE  FOR EMI.

WE CONSIDER NET PROFIT OF FIRMS .I.E
FOR PROPREITORSHIP, NET PROFIT ADD 100% DEPRECIATION ,
FOR PARTNERSHIP,NET PROFIT ADD 100%DEPRECIATION ADD PARTNERS SALARY ADD INTEREST ON CAPITAL
FOR PRIVATE LIMITED, NET PROFIT ADD 100%DEPRECIATION ADD DIRECTOR SALARY ADD INTEREST ON CAPITAL
70% OF THE ABOVE TOTAL IS TREATED AS PROFIT & IS DIVIDED BY 12 GIVES US  MONTHLY  INCOME WHICH CAN BE PAYABLE FOR EMI .

70% OF GROSS SALARY IS TREATED AS MONTHLY INCOME WHICH CAN BE GIVEN FOR EMI .

ATLEAST 2 YEARS CONTINUITY IS REQUIRED IN BUSINESS.

70% OF RENT RECEIVED PER MONTH IS TREATED AS MONTHLY INCOME WHICH CAN BE  PAYABLE FOR EMI.

IN ALL ABOVE PROGAMS,
IF LOANS ARE RUNNING,THEN EMI OF THAT LOANS ARE DEDUCTED FROM MONTHLY INCOME & WE GET THE AMOUNT WHICH CAN BE PAID FOR EMI.AFTER THAT WE DIVIDE THAT AMOUNT FROM PER LAC EMI  GIVES US THE LOAN AMOUNT .I.E
MONTHLY INCOME –ALREADY RUNNING MONTHLY EMI=EMI PAYABLE
THEN EMI PAYABLE/ PER LAC EMI=LOAN AMOUNT
(EMI IS ESTIMATED MONTHLY INSTALLMENT )

 

 
EMI Calculator
 
 
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