Jab aap car ya home loan lene ki sochte hai to aap bank ke interest rate compare karte honge aur jab aapko money ki urgent requirement hoti hai tab aap personal loans ke bare me sochte hai lekin ye aapko pata hoga ki personal loans ke interest rate baki ke loan ke rate se jyada hote hai. Ek financial bank ya institution 15-24% tak interest rate aur bohat sari condition ke sath apko personal loan dega.
Itna sara interest pay karne se to achha hai aap dusre loan lekar bhi apni requirement puri kar sakte hai. Aise vikalp hum aapko iss article me bataynge.
Personal Loans Ke Vikalp
Loan against Property
Bank or financial institute apko residential, commercial property or plots pe loan provide karta hai.
Jab 5 lakh ya jyada ki loan chahiye to property pe loan lena acha option hai.
Property ke 60 to 80% tak loan mil sakta hai aur 12 to 16% interest rate par loan diya jata hai.
Loan against Fixed Deposit
Agar aapne bank me long term Fixed Deposit karvai hai to ye best option hai ki aap Fixed Deposit par loan le sakte hai. Isse apko Fixed Depsit break bhi nahi karni padegi aur personal loan bhi nahi lena padega.
Jo interest rate bank apko FD par deta hai usse 1 to 2% higher rate par FD pe loan deta hai.
Bank apki FD ke 80% tak loan de sakta hai. Short term money requirement ke liye ye ek achha option hai.
Loan against gold
Gold pe loan sabse fast mil jati hai. Yaha gold ornaments, gold bar aur gold coin pe loan mil jati hai.
Aisi bohat si companies bhi hai jese ki Muthooth Finance or Mannapuram gold jo gold pe loan bohat kum interest ke sath deti hai. Apko 80% tak gold pe loan mil sakta hai. Yaha interest charge 12 to 15% tak hote hai.
Loan from employer
Yaha kum interest rate pe acha loan milne ka option hai jisme employer employees ko 4 to 10 % interest pe loan dete hai.
Isme bank se kum interest pe loan bhi milta hai aur yaha term and condition bhi kum hoti hai.
Loan against securities
Aaj kal sab market me long term invest karte hai. Aapne bhi mutual fund ya shares me invest kiya hai aur loan lena chahte hai to aap aisi securities pe loan le sakte hai. Aapko securities ke 50 to 60 % tak loan mil sakta hai aur interest rate 13 to 16% rehta hai.
Top-up loans from home loans
Aaj kal sabhi log home lene ke liye loan lete hai. Aapne bhi koi loan liya hai aur aap personal kam ke liye paiso ki jarurat hai to aap apna home loan top up karva sakte hai.
Isme main advantage ye hai ki loan apko 11 to 14% pe minimum paper work ke sath mil jata hai.
Loan against insurance policies
Bank apko insurance policies pe loan deta hai jisme aapne 3 year tak premium bhara hona chahiye.
Yaha insurance policy ke 90% tak loan mil sakta hai aur loan pe interest rate 10 to 14 % tak hota hai.
Loan against NSC/bonds
NSC/bond bhi secure investment hai jisme aap bond par loan le sakte hai. Yaha interest rate 13 to 16% hota hai.
Usually personal loan kum paper work aur bohat jald ek phone call ya bank ko email karne par mil jata hai isliye log ise prefer karte hai aap chahe woh alternative use kar sakte hai.
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