Loans ke bare me jankari hindi me

Apni sari zarurate aur zimmedari jaise ki ghar me marriage ho, house repairing ya phir koi chhota business shuru karna ho to aam aadmi ke pass paise kum pad jate hai aur isi liye loan ki jarurat padti hai. To is article me hum apko loans kya hai aur kitne types ki loans hai uske bare me batayenge.

Loans

What is Loans ?

Loan yani apne dost, bank ya kisi financial institute se money lekar us paise ko future me with interest vapis karna. Dost ke pass to sayad koi property mortgage par na rakhe par bank ya institute me loan tabhi mitla hai jab hum waha apne sari id proof aur property ko girvi rakhte hain.

 

Types of Loans

Personal Loan

Personal loan ke liye jyada documents nahi lagte aur bank salary ke base pe personal loan deti hai.

Personal Loan se liye hue paiso ko kahi bhi kharch kar sakte hai, fees bharne ke liye, davai lene ke liye ya koi bhi personal chiz kharidne ke liye use kar sakte hai.

Gold Loan

Gold loan yani gold ke badle bank dwara diya gaya loan.

Gold loan me apke gold ko bank ke locker me tab tak girvi rakhna hai jab tak aap bank ko loan interest ke saath chuka nahi dete. Yaha gold aap ek security ke liye rakhte hai.

Gold loan bank gold ki quailty aur kimat ke aadhar pe deti hai. Gold ke bazaar price ke 80% loan mil sakta hai.

Gold loan ka interest rate personal loan se kum hota hai.

Property Loan

Property loan me aap apni property jaise ki residential property ya commercial property ke upar loan le sakte hai ya phir new property purchase karne ke liye loan bhi le sakte hai. Property loan me aap ko property ke document mortgage kar loan le sakte hai. Aap mutual fund ya insurance ko girvi rakh kar bhi loan le sakte hai. Property loan 15 ya 20 saal me chukana padta hai.

Property Loan me Property ke price ki 60% to 80% tak loan mil sakta hai.

Education Loan

Education loan students ko diya jata hai. Aaj kal badhti hui mehngai or school fees sabhi afford nahi kar pate. isi liye bank ne yaha loan nikala hai.

Education Loan me jo student loan vapis kar sake usse hi diya jata hai aur ye unke family ki salary, student konsi college/school me hai, usme campus interview hote hai ki nahi, students job kar payega ya nahi, ye sab verify karne ke baad education loan deta hai.

Home Loan

Sabse jyada bank se home loan liya jata hai. Home loan naya ghar kharid ne ke liye, property kharid ne ke liye ya phir ghar ko renovate karne ke liye liya jata hai.

Bank apke total expense ka 70 to 80% loan de sakti hai.

Corporate Loan

Bank bade businessman jaise ki ambani, tata, birla ko jo loan deti hai usse corporate loan kehte hai. Jisme bank apni core capital ka 55% tak kisi company ko loan de sakti hai.

Par hal me hue loan defaulter ko dhyan me rakh ke RBI ne  1 jan 2019 tak bank ko core capital ka 25% tak hi loan dene ka niyam lagu kiya hai.

Car Loan

Bank car purchase ke liye jo loan deti hai usse Car Loan Kehte hai.

Loan pura na hone tak car par property right bank ka hota hai. Car Loan lene ke liye salary slip or 3 saal ka income tax return jama karna padta hai.

New car and second hand car done ke liye interest rate alag alag hote hai.

Fixed and Floating Rate in Loans

Sabhi loan me fix or floating rate offer kiya jata hai. kya aapko pata hai fix or floating rate kya hai ?

Fix rate yani jab loan lene ke time interest rate hai wahi rate ke anusar loan chukani padti hai.

Floating rate samay aane par badal bhi sakta hai aur loan ki interest rate kum ya zyada ho sakta hai.

Aap fixes ya floating rate me konsa rate pe loan lena chahte hai woh bank loan lene se pehle hi puch sakte hai.

Other Types of Loan

  • Small business Loan
  • Overdraft Loan
  • Agriculture Loan
  • Cash credit Loan

Is post me aapko Loans ke basic jankari mil gayi hogi. Agar aap ko koi is topic se jude koi sawal hai to niche comment box me puchh sakte hai.

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One Comment

  1. With the ever-increasing education costs, education loans have become a must for aspiring students & their parents. With so many options available, make sure you research thoroughly before zeroing in on the bank for you

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