Kya Karein Jab Aapka Bildar Divaaliya Ho Jaae

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Kya Karein Jab Aapka Bildar Divaaliya Ho Jaae

Nai dilleejepi infraatek ke hom baayars abhootapoorv haalaat ka saamana kar rahe hain. Pehli baar koi housing company divaaliyaapan ki dahaleej par pahunch chuki hai. Hom baayars ke liye badi hi bishm sthiti hai. Agar koi steel company divaaliya ho to aamalogon par usaka asar bahut jyaada naheen hota lekin jab koi real estate company jo abhi gharon ka nirmaan kar hi rahi ho, vah divaaliya ho to sthitiyaan chunauteepoorn ban jaati hain khaaskar baayars ke liye. Yahi vajah hai ki JP infraatek ka maamala kaafi gambhir hai kyonki is maamale mein alag-alag kaanoonon aur kuchh to ek doosare ke virodhaabhaasi kaanoonon ki vyaakhya hogi jo bhavishya ke aise maamalon ke liye najeer banegi. JP infraatek ko hom baayars ko aisi sthiti mein kya karna chaahiye? Ab unke paas aage ka kya raasta hai, aaie jaante hain-company law traaibyoonal mein apna daava thokein naishanal company law traaibyoonal (NCLT) ne divaaliyaapan ki prakriya ko dekhne ke liye guruvaar ko ek insaalvansi prafeshanal ki niyukti kar di hai. JP praujekts ke baayars 24 August tak klem kar sakte hain. Insaalvansi prafeshanal ek ya do dinon mein nirdhaarit form mein klem mangaaega. EMI chukaana band na kareinagar aapne bank se loan liya hai aur aapko ghar ke pajeshan ka intajaar hai to aapko EMI chukaana band naheen karna chaahiye. Visheshagyon ke mutaabik insaalvansi prafeshanal company ko punarjeevit karne ki koshish karega isliye baayars ke liye kuchh had tak ek ummeed ki kiran baaki rahegi. EMI chukaana band kar dene se na sirf baayars ki kredit rating negetiv hone ka khatra badhega balki divaaliyaapan ki prakriya ke dauraan unhein mushkilon ka saamana karna padega. Rivaaival plaan kya hai? Insaalvansi prafeshanal ko 270 dinon ke bheetar housing skeems ke liye ek vishvasaneeya rivaaival plaan banaana hota hai. Iske liye unhein 90 atirikt dinon ka eksateinshan bhi mil sakta hai. Rivaaival ki samoochi prakriya court ki dekharekh mein hogi. Rivaaival prakriya doosari companiyon ki tarah sahaj naheen hone waali. Iski vajah hai ki hajaaron baayars ne company mein nivesh kiya hai aise mein rivaaival inke liye kaafi aham hai. Agar company ki sthiti naheen sudharati to uske karj ko chukaane ke liye usaki sanpattiyaan bechi jaaengi. Ek aur viklpaagar company rivaaiv naheen hoti hai to bhi ek raasta hai ki bank company ke ikviti ko khareed lein. Divaaliya hui company ki sampattiyon ko bechakar bhi achhe paise naheen jutaae ja sakte kyonki sankatagrast company ki sampattiyon ke khareedaar aune-paune daam hi dena chaaheinge. Haalaanki baad mein in sampattiyon ki achhi keemat mil sakti hai. Isliye bank company ki sampattiyon ko bechakar tatkaal apna paisa nikaalne ke bajaay company ka ikviti khareed sakte hain. Is maamale mein, baayars ko achhi deal mil sakti hai kyonki bank bhi praujekts ko rivaaiv karne ki koshish kareinge. Likvideshan ki soorat mein aapke kya hain adhikaar? Agar company rivaaiv naheen hoti to use likvidet kiya jaaega yaani usaki sampattiyon ko bechakar karjadaataaon ke paise chukaae jaaenge. Housing company ke maamale mein sthiti jatil ho jaati hai kyonki doosari companiyon mein to karjadaataaon ko aasaani se klaasifaaid kiya ja sakta hai. Lekin maujooda maamale mein baayars hi company ke vaastavik karjadaata hain lekin unhein ek sikyaurd kreditrs ki tarah adhikaar praapt naheen hoga. Hom baayars ko bankon ke baraabar tavajjo naheen di jaaegi kyonki bank hi mukhya karjadaata hain. Parisampattiyon ko bechakar jo paise juteinge unhein sabse pehle bankon ke beech baanta jaaega aur aakhir mein agar paise bache to hom baayars ko diya jaaega. Dekhein aur intajaar kareinchoonki hajaaron hom baayars ka seedhe-seedhe hit juda hai, isliye court unke prati sahaanubhooti rakh sakta hai. Yeh apni tarah ka pehla maamala hai aur isse jude bahut saare kaanoon hain. In kaanoonon mein kuchh to ek doosare ke virodhaabhaasi hain jinki court dvaara vyaakhya ki jaroorat hai. Court is maamale mein hom baayars ke hiton ko dhyaan mein rakhakar koi faisala kar sakta hai. Aise mein baayars ke liye sabse achhi neeti 'Vet aind vauch' ki hai, saath mein unhein kaanooni madad bhi leni chaahiye.

Kya Karein Jab Aapka Bildar Divaaliya Ho Jaae http://www.angrejinews.com/pic/166346