Zindagi ke different stages mein kaafi baar aisa hota hai jab hume ek loan ki jarurat padti hai – chahe education ke liye ho, ghar ya gaadi khareedne ke liye ho ya koi personal requirement ke liye ho. Aksar ye process hume bahut complex ya daraavana sa lag sakta hai.
Isliye, aaj hum ise thoda sa simplify karenge. Jaanenge:
Loan kya hota hai?
Loan ka simple Matlab hota hai udhaar. Basically, ek party (lender jaise ki bank) doosri party (borrower jaise ki hum) ko udhaar deti hai ek staaphit samay ke liye (loan term). Jo amount loan liya jaata hai usko principal kaha jaata hai.
E.g: HDFC Bank ne aapko 10L ka loan diya 10 saal ke liye. Borrower ko yehi amount interest ke saath chukana hota hai 10 saal ke andar. Generally, ye amount har mahine ke installments ke through chukaya jaata hai. Isi amount ko EMI (easy monthly instalments) kaha jaata hai.
Loans ke liye kahaan apply karna hota hai?
Hum banks aur bank jaisi financial entities jaisi entities me loans ke liye apply karte hain. Yahaan hum apni financial history, hamara Credit Score, ITRs (Income Tax Return) jaisi documents submit karte hain. Bank inhe review karte hain, hamari loan ko chukaane ki ability ko dekhte hain, aur fir application ko approve (manzoor) ya deny (mana) karte hain.
Types of loans
Secured loans: Yahaan collateral ki zaroorat padti hai. Collateral aisi ek cheez hoti hai jise lender girvi rakh kar hume loan dete hain. Agar aap loan nahi chuka paate, to lender collateral ke maadhyam se apne paise vapas le sakte hain. Secured loans me interest kam lagta hai.
Types of Secured loans:
Unsecured loans: Unsecured loans me collateral ki zaroorat nahi hoti. Yahaan lender hamari past associations, credit score, bank history ko dekhkar loan provide karte hain. Isliye kehte hain ki zaroori hai accha Credit score maintain karna. In loans me kyonki koi collateral involved nahi hota, rate of interest usually zyada hota hai.
Types of Unsecured loans:
Agar hum credit card mein EMI option lete hain toh wo bhi unsecured loan kehlata hai.
Loan ki hume kyo zaroorat hoti hai?
Let’s say hume ghar khareedna hai. Ghar khareedne ke liye jo amount chahiye hota hai vo bahut zyada hota hai aur zaroori nahi hai vo amount hamare paas ek hi sath rakha ho. Aisi badi rakam ki payments ke liye hum loans lete hain.
- Emergencies me
- Doosre loans ya credit card bills ko pay karne me
- Aapko family embarrassments se bachata hai kyonki aapko unse udhaar nahi lena padta
Kaun eligible hain loan lene ke liye?
- Aapki age
- Employment type
- Employment status
- Aapki minimum monthly income
- Aapka work experience
- Credit score
Kaun eligible hain loan lene ke liye?
Loan ka process shuru karne se pehle dono lender aur borrower loan ki conditions ko samajhte hain. Fir lender borrower ko money deta hai. In conditions me interest aur date of repayment jaisi cheeze aati hain.
Har bank apni schemes ke according loans provide karte hain. But generally, ye kuch cheezein aap follow kar sakte hain:
- Apni requirement dekhein. Aapko kitna loan chahiye, kaunsa loan chahiye, aur kyon chahiye, ye sab determine karna zaroori hai loan ke liye apply karne se pehle. Iske liye online kaafi resources available hain, aap Josh Talks ke iss article ko bhi refer kar sakte hain, ya fir bank me jaakar loan provider se directly baat kar sakte hain
- Apni eligibility check karein. Aapko online kayin tools mil jaenge jo aapko aapki eligibility check me madad kar sakte hain
- Apne bank ko approach karein ya fir online hi loan ke liye apply karein
- Apni documents ready rakhein. Generally banks ye documents maangte hain: Identity proof, Address proof, Income proof, Photograph, Loan application
Loans to har bank provide karta hai magar sabka rate aur conditions alag hote hain. Isliye, zaroori hai aap loans ke liye apply karne se pehle ya to online ya offline research zaroor karein aur soch samajh kar hi fasila lein.
Agar aap loan lene ke baare me soch rahe hain aur jaanana chahte hain ke kaunsa bank kaunse rate par loans provide kar raha hai, aap in lists ko refer kar sakte hain:
Home Loans: https://www.bankbazaar.com/home-loan-interest-rate.html
Personal Loans: https://www.bankbazaar.com/personal-loan.html
Car Loans: https://www.bankbazaar.com/car-loan.html
Two Wheeler Loans: https://www.bankbazaar.com/two-wheeler-loan.html
Education Loans: https://www.bankbazaar.com/education-loan.html
