6 Maheene Hom Loan Ki EMI Chooke To Ghar Par Bank Ka Kabja

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6 Maheene Hom Loan Ki EMI Chooke To Ghar Par Bank Ka Kabja

Amit shaanabaag aapke jeevan mein ghar khareedna sabse badi shauping ho sakti hai. Aksar logon ko ghar khareedne ke liye loan lena padta hai. Agar aapne hom loan liya hai aur kuchh samay ke baad aap EMI chukaane ki haalaat mein naheen hain, tab aapke saamane ghar bachaane ke kya vikalp ho sakte hain? EMI naheen chukaane ke kai kaaran ho sakte hain. Ismein naukri chhootane se lekar medical imarajeinsi mein aapki seving ka khatm hona jaise kaaran shaamil hain. Agar aap 2-3 EMI naheen chuka paae, tab kya bank aapki prauparti ko jabt kar lega? Naheen. Agar aapne chhah maheene tak difault kiya, tab bank aapke ghar par kabja kar sakta hai. Bank aapse nigoshiyet kareinge bank sabse antim vikalp ke taur par hi prauparti ataich karta hai. Haalaanki, bank ke paas sikyoritaaijeshan aind reekanstrakshan of faainainshal aisets aind enforsameint of security intarest (esaeaaraefaeiesaaai) aikt 2002 ke tahat naun-parafaurming aiset ko rikvar karne ka raaits hota hai. Iske liye use kaanooni hastakshep ki jaroorat naheen padti hai. Aamtaur par bank ise antim vikalp ke taur par hi apnaate hain. Bank pehli baar difault karne par kuchh khaas naheen karta hai. Doosari baar difault karne par bank aapko rimaaindar notice bhej sakta hai. Teesari baar difault karne ke baad bank aapko demand notice bhejkar bakaaya bhugataan karne ko kahega. Abhaya kredit kaaunseling center ke cheef kaaunselar vi N Kulkarni ka kehna hai, 'Agar karjadhaarak bank ke mel ka javaab naheen deta hai, tab bank apne leegal dipaartameint ke jariye leegal notice bhejata hai. ' abhaya kredit kaaunseling center ko bank of India ne sponsor kiya hai. Bank kisi bhi aiset ko NPA ghoshit karne se pehle teen maheene ka intajaar karta hai. Kulkarni ka kehna hai, 'Bank is avadhi ke beetane ke baad aadhikaarik taur par hom loan ko NPA ghoshit karta hai. Bank iske baad hi esaeaaraefaeiesaaai aikt ke tahat prauparti ki rikvari ka proses shuroo karta hai. ' bank is aikt ke tahat kaarravaai shuroo karne ke baad karjadhaarak ko bakaaya bhugataan karne ke liye do maheene ka samay deta hai. Kulkarni ke mutaabik, pehli baar difault karne ke paanch maheene ke baad bank notice bhejata hai. Ismein prauparti ka vailyooeshan likha hota hai. Ismein prauparti ki neelaami karne ki taareekh ke baare mein jaankaari di jaati hai. Aamtaur par bank notice jaari hone ke ek maheene baad neelaami karta hai. Apanaapaisa dot com ke head (faainainshal plaining) pankaj maalade ka kehna hai, 'Bank aur faainainshal instityooshans leegal kaarravaai shuroo karne ki jagah paisa rikvar karne par jor dete hain. Kisi bhi ghar ko neelaam karne ke liye ataich karne ke proses mein kaafi samay lagta hai. Isliye bank koi bhi kaanooni kaarravaai karne se pehle chhah maheene ka samay deta hai. ' is proses ke antim charan mein karjadhaarak ko det rikvari traaibyoonal se notice milta hai. Traaibyoonal dvaara tay taareekh mein aapko maujood rahana jaroori hota hai. Agar aap bakaaya bhugataan karna chaahate hain aur aapka reepemeint track rekaurd achha hai, tab bank aapko ek mauka day sakta hai. Iske liye bank aapke difault karne ki vajah ke baare mein jaanana chaahata hai. Maalade kehte hain, 'Agar bank aapki samasyaaon ko vaajib maanata hai aur use lagta hai ki karjadhaarak jald hi EMI dene lagega, tab bank aapko kuchh samay day sakta hai. Haalaanki, bank alag-alag maamalon ke hisaab se faisala karta hai. ' kreditvidya ke director Rajiv raaj kehte hain, 'Adhiktar leindars haalaat ko vyavahaarik najariye se dekhte hain. Ve kisi bhi indivijual ke haalaat ko theek tarah se samajhne ka prayaas karte hain. ' Kulkarni kehte hain, 'Neelaami ki taareekh jaari hone ke baad aap apne ghar ko vaapas haasil kar sakte hain. Iske liye neelaami se pehle aap kisi bhi stage par bank ko bakaaya bhugataan kar prauparti bacha sakte hain. Agar bank ne neelaami proses par koi rakam kharch ki hai, tab aapko usaka bhugataan karna pad sakta hai.

6 Maheene Hom Loan Ki EMI Chooke To Ghar Par Bank Ka Kabja https://www.angrejinews.com/pic/3730