If you’re planning to get personal finance from Deem Finance, it’s crucial to understand the instalment amount. For this, the Deem finance personal loan calculator can come in handy.
With this tool, you can get an idea of the instalment with a few basic details like the loan amount and the repayment period. This makes it easier to compare options, budget finances, and choose a loan structure that fits your financial needs.
An Overview of the Deem Finance Personal Loan Calculator in UAE
The Deem personal loan calculator is a smart online tool that helps you estimate your monthly repayment amount before you apply. With just a few details, you can avoid manual calculations and easily find out your loan details.
What makes this calculator useful is that it helps you compare different scenarios, compare repayment plans, and figure out which one works best based on your budget. All in all, this Deem loan calculator is a strong planning tool that empowers you to make informed decisions based on the estimates.
Note: Deem personal loans come with a repayment tenure that goes up to 48 months. The interest rate, meanwhile, ranges from 15.99% to 34.99% per year.
How Does the Deem Finance Personal Calculator Work?
The Deem Finance loan calculator uses a few basic inputs from your end. It then generates an estimate of your monthly instalment.
Follow these steps to use the calculator:
Step 1: Open the loan calculator on the official website of Deem Finance
Step 2: Enter the loan amount you want to borrow — this can be a maximum of AED 150,000
Step 3: Select the repayment tenure in the range of 12 to 48 months
Step 4: The calculator will show you the monthly instalment along with the total amount (principal + interest amount)
Which Factors Affect Deem Finance Personal Loan Instalments in UAE?
Several factors impact the monthly instalment of your personal loan in UAE. Understanding these factors can help you make the right decision before applying. While the Deem loan calculator is quite easy to use, it’s still advisable to know the factors below -
Loan Amount: Your loan amount has the most direct link with your monthly instalments. The higher the amount, the higher the monthly EMI. Larger loans mean a larger amount is broken into smaller chunks.
Repayment Tenure: A short duration leads to higher instalments but lower interest amounts. A longer duration brings you lower EMIs, although the total interest over time would be higher. You can easily use different tenures in the Deem Finance personal loan calculator to see the impact.
Interest Rate: The interest rates also impact your repayments. A higher interest rate leads to a higher instalment and a higher total cost of the loan, and vice versa. Note that the rates may vary based on your credit profile. Your income, debt-to-income ratio, credit Score, and job stability can also influence the rate.
Processing Fees and Charges: Personal loans often come with processing fees and other charges. Such fees, when added to the loan, can increase your instalments.
Common Mistakes to Avoid While Using the Deem Loan Calculator in UAE
While the Deem Finance loan calculator is a straightforward tool, improper usage can still lead to issues. This, in turn, can impact your financial planning once the loan starts. Here’s what you need to keep in mind -
Ignoring the charges: It’s a common misconception that your total payable amount depends only on the principal amount. As mentioned earlier, banks may charge fees for processing, insurance, early settlement, and more. All these fees can add to the instalment and increase it.
Not experimenting with different numbers: Some users find the instalment for only one tenure and/or loan amount. In this case, you can miss out on understanding how the EMIs change with tenures, principal amounts, and more.
Confusing calculator results with actual numbers: To be clear, the Deem loan calculator shows accurate results. However, the actual amount and the interest rate that the bank approves can be different from those in the calculator. Thus, your actual instalment amount could be different.
Why should I use Deem Finance personal loan calculator before applying?
You should use the Deem Finance loan calculator to understand how different loan amounts and repayment periods can impact your instalments. It also lets you compare different principal amounts and repayment terms to find the right mix for your loan.
What inputs are required by the Deem Finance loan calculator?
To calculate your instalment, the Deem loan calculator asks only the loan amount and the interest rate. You don’t need to add the interest rate — the tool uses a standard rate for calculations. Keep in mind that the actual rate may vary.
Is the Deem personal loan calculator accurate?
Yes, the Deem loan calculator is accurate. However, your actual loan amount and interest could be different from what’s shown in the calculator. For this reason, your actual instalment could be different. With that said, the tool is still good for approximations.
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