Blaink Check Saavadhaani Hai Jaroori

India » Thursday, April 4, 2013

loan dete vakt bank graahakon se blaink (kora) check lete hain. Graahak is kore check ko sirf takaneeki aupachaarikta maanate hue is baare mein jyaada gambhir naheen rahate. Yahi kaaran hai ki iske durupayog ke kai maamale saamane aae hain. Aakhir bank kora check kyon lete hain aur graahakon ko aisa check dete samay kin baaton ka dhyaan rakhana chaahiye, bata rahe hain Joseph barnaad : Loan dete samay jaanch jaroori : Beshak bank sabhi tarah ki jaanch ke baad graahak ko loan dete hain. Ismein ghar ka pata, vyavasaaya aur anya sabhi jaankaariyon ki jaanch shaamil hoti hai. Bank iske proof ke liye sambandhit dastaavej lete hain. Magar loan lene ke baad graahakon ko kist yaani EMI deni hoti hai. Graahak har baar aakar EMI naheen chuka sakta. Aise mein uske bank khaate ko loan ke saath jod diya jaata hai. Har maheene khaate se bank ko EMI ki kist mil jaati hai. Loan ki kist sahi tareeke se milti rahe, iski jaanch ke liye graahak se blaink check liya jaata hai. Kora check lene ka maksad : Bank adhikaariyon ka kehna hai ki teen aham kaaranon se karj dete samay graahakon se aisa check liya jaata hai. Pehla, isse hastaakshar ka Milan kiya jaata hai. Hastaakshar ke jariye yah dekha jaata hai ki jisko loan diya ja raha hai, vah vyakti vahi hai, jiska bank mein khaata hai. Jis bank ka vah check hota hai, usako bhejkar iski jaanch ki jaati hai. Doosra, isse yah jaankaari mil jaati hai ki graahak ka khaata kis bank mein hain. Teesara, check mein darj IFSC number ke jariye yah pata lag jaata hai ki bank ke kis branch mein usaka khaata hai, kyonki check bank ke usi branch se jaari hota hai. Sajag rahe graahak : Banking sector eksapart ashvini raana ke mutaabik, kora check dete samay do baaton ka dhyaan rakhana bahut jaroori hai. Pehla yah ki aisa check dete samay usamein kainsild (nirast) jaroor likhein. Ek baar agar check mein kainsild likh diya to usako koi naheen bhuna sakta. Doosra hai, check ko kraus karein. Isse check ko koi doosra istemaal naheen kar paaega. Reserve bank ki mansha : Reserve bank nishchit taur par karj dete vakt kaagaji aupachaarikta se jyaada se jyaada chhutakaara chaahata hai. Magar doosari taraf vah yah bhi chaahata hai ki karj dene aur lene mein kisi prakaar ki kotaahi na barati jaae. Reserve bank ke ek adhikaari ka kehna hai ki keindreeya bank is paksh mein hai ki check ka kam istemaal ho kyonki check dvaara hi adhik gadbadi hoti hai. Magar bankon ko karj dene se pehle graahakon ke ghar, vyavasaaya aur bank account ke baare mein jaankaari jama karne ka poora adhikaar hai.