Penalty Lagne Par Bhi , Saraplas Fund Se Loan Preepemeint Mein Samajhadaari

Business »

Penalty Lagne Par Bhi , Saraplas Fund Se Loan Preepemeint Mein Samajhadaari

preeti Kulkarni, Mumbai RBI ne 1 April ko ghoshit ainual monetary paulisi mein bankon ko ek adavaaijari jaari ki thi. Usamein kaha gaya tha ki ve floting rate loan par pre-pemeint penalty khatm karne ke baare mein sochein. Regyuletar ne yeh bhi ishaara diya tha ki agar bank adavaaijari par amal naheen karte hain to vah use jaroori bana sakta hai. Is adavaaijari ke laagoo hone par auto, parsanal, education loan bauroars ko faayda hoga, jo 0.5 se 4% tak pre-pemeint penalty ke chalte saste loan mein svich karne se parahej karte hain. Isse pehle RBI ne floting rate housing loan par pre-pemeint penalty khatm kar di thi. Kredit praaising par RBI ki varking committee ki draft report mein bhi jyaada traansapaireinsi, behtar praaising aur penalty strakchar ki jaroorat par jor diya gaya tha. Ismein saaf taur par bataaya gaya tha ki RBI bankon se kya chaahata hai. Roongata securities ke CEO harshavarddhan roongata kehte hain, 'Kaayade se adavaaijari ka maksad kredit praaising mein traansapaireinsi ko badhaava dena hai. Humne aksar dekha hai ki car ya parsanal loan par intarest ka bojh kabhi kam naheen hota kyonki rate kat ka faayda shaayad hi kastamars ko diya jaata hai. Bina kisi dikkat ke sviching ya pre-pemeint ke opshan se bankon ko maujooda kastamars ko nae kastamars ke baraabar maanane mein madad milegi. ' yeh penalty naheen hone se kastamars apna loan sasta rate ofar karne vaale kisi doosare bank mein shift kar sakte hain. Bank of India ke support vaale abhaya kredit kaaunsaling center ke cheef kredit kaaunsalar vi ke Kulkarni kehte hain, 'Pre-pemeint penalty naheen hone par loan traansafar prauses aasaan ho jaaega. Bankon ki loan praaising bhi kaumpititiv ho jaaegi, jisse bank ke saath achhe kastamars bane raheinge. ' portfolio ki saaf-safaai eksaparts kehte hain ki bauroars ko auto aur parsanal loan jaise anapraudaktiv loan ko pre-pemeint penalty khatm hone ki ummeed par usase chipke rahane mein faayda naheen hai. Ve oonche rate vaale loan ko band karne ki salaah de rahe hain bhale hi us par pre-pemeint penalty ho. Kredit kaaunsalars car, parsanal aur kredit card loan ka ful pre-pemeint karne ki salaah dete hain. Loan egreegetar aur adavaaijari portal reetelaleinding. Com ki faaundar aur director sukanya Kumar kehti hain, 'Jis loan ko hold karne mein faayda naheen hai, unka pre-pemeint kar diya jaana chaahiye. Kredit card ya pasarnal loan ko jaroorat poori hone ke turant baad jab bhi haath mein paisa aae, kloj kar dena chaahiye. ' April aur May mein companiyaan enplauyi ko ainual inkreemeint aur bonas baantati hain. Inke jariye milne waali ekamusht rakam ka yooj loan pre-pemeint karne mein kiya ja sakta hai. Haalaanki isse pehle aap chhah maheene ka aapaat fund bana lena chaahiye aur agar aapke paas paryaapt inshyoreins kavar naheen hai to life aur helth paulisi khareedani chaahiye. Hom loan aur education loan ko 'Achha' maana jaata hai. Ismein aapko ful pre-pemeint karne se pehle kaust benefit enaalisis karni chaahiye. Ek loan se tainjibl aur doosare se inatainjibl eset ka kriyeshan hota hai. Inse achha-khaasa tax benefit haasil hota hai. Isliye ye 'Achhe' loan maane jaate hain. Aise loan ka pre-pemeint aapki asal bachat par dipeind karega. Parsanal, kredit ya car loan ke saath aisa naheen hota hai. In baaton ka rakhein dhyaan pre-pemeint ka faisala karne se pehle aapko prauses ko shuroo se ant tak dekhna hoga. Hamein yeh naheen maan lena chaahiye ki loan account mein poori rakam jama hone par vah kloj maan liya jaaega. Kumar kehte hain, 'Bauroar ko bataana hoga ki vah loan pre-kloj karaana chaahata hai. Agar aap ful pemeint kara dete hain to bhi loan open rahega aur us par ainual fees lagegi. '

Penalty Lagne Par Bhi , Saraplas Fund Se Loan Preepemeint Mein Samajhadaari http://www.angrejinews.com/pic/48442