Loan Pre-pemeint Par Penalty Na Lein Bank RBI

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Loan Pre-pemeint Par Penalty Na Lein Bank RBI

Mumbai karj lene vaalon ko ek badi raahat dete hue bhaarateeya reserve bank ne bankon ko nirdesh diya ki ve un logon se koi penalty na lein, jo floting rate vaale loan ka pre-pemeint karna chaahate hon. Reserve bank ne ek notification mein kaha ki indivijual bauroars ko manjoor kiye gaye sabhi floting rate vaale tarm loan ke pre-pemeint par bankon ko penalty lene ki ijaajat naheen hogi. RBI ne kaha ki yeh vyavastha tatkaal prabhaav se laagoo ho gayi hai. Floting rate vaale loan mein housing, kaurporet, veeikal aur parsanal loan aate hain. Pichhle maheene jaari faainainshal iyar 2014-15 ke liye apne pehle baai-manthali maunetari paulisi stetameint mein reserve bank ne kaha tha ki bankon ko is baat par vichaar karna chaahiye ki ve karj lene vaalon se floting rate vaale tarm loan ke pre-pemeint par koi chaarj na lein. Kuchh bank aautastainding loan ke 2 parseint tak pre-pemeint penalty ke roop mein kastamars se vasool rahe hain. Do saal pehle reserve bank ne bankon ko floting rate vaale hom loan ke pre-pemeint par penalty vasoolane se rok diya tha. RBI ne kaha tha ki iske peechhe soch yeh hai ki hom loan par pre-pemeint penalty khatm kiye jaane se maujooda aur nae karjadaaron ke beech bankon ki or se kiye jaane vaale bhedabhaav mein kami aaegi. Iske saath bankon mein kaumpiteeshan bhi badhega. Isse floting rate vaale hom loan ki behtar praaising saamane aaegi. Kanjyoomars ke hiton ki raksha ke ek aur kadam ke tahat reserve bank ne mangalvaar ko bankon se kaha tha ki ve un kastamars se penalty na lein, jo inaektiv account mein minimm baileins ki shart poori naheen karte hain. State bank of India sahit kai bank inaektiv account mein minimm baileins na hone par koi chaarj naheen vasoolate hain. RBI ne bankon ko saal 2012 mein nirdesh diya tha ki ve besik sevings bank account ke ektiveshan ya naun-oaipareshan par kastamars se chaarj na lein.

Loan Pre-pemeint Par Penalty Na Lein Bank RBI http://www.angrejinews.com/pic/49896