Kab Aur Kaise Milega Education Loan

Business » Friday, March 29, 2013

sushmita chaudhari Agrawal April se college edamishn ki maara-maari shuroo ho jaaegi. Haayar education ki kaust lagaataar badh rahi hai. Aise mein paireints aur students ko iske kharch ke baare mein bhi kaafi sochana pad raha hai. Inshyoreins company aviva India ke kaust of education kailakuletar ke mutaabik, Bhaarat mein engineering ya fashion dijaaining degree ka kharch 7-10 lakh rupae hai. Emabeee ki kaust 5 lakh rupae se shuroo hoti hai. Haalaanki, achhe business school ke liye yah 15-25 lakh rupae hai. Agar aap fauren degree lena chaahate hain, to isse doguni ya chaar guni rakam kharch karne ke liye taiyaar rahiye. Haaliya rifaurms aur inishiyetiv ke chalte education loan lena kaafi aasaan ho gaya hai. Misaal ke taur par Indian bainks association ne revised model ke tahat education loan skeem taiyaar ki hai. Iske mutaabik, merit list mein aane vaale students agar maanyataapraapt private insteetyooshans mein edamishn lete hain, to ve bhi education loan le sakte hain. Iske liye bankon ne course ka daayara bhi badhaaya hai. Ab ismein nursing degree ya diploma ko bhi shaamil kiya gaya hai. Iska asar bankon ke education loan portfolio par bhi dikh raha hai. December 2010 mein yah 42,300 karod rupae tha, jo December 2012 mein badhkar 52,100 karod rupae ho gaya tha. Yah 23 feesadi ki badhotri hai. Bhaarateeya reserve bank (RBI) ne haal hi mein bankon se kaha tha ki ve sirf service area mein naheen aane par education loan eplikeshan reject na karein. Bankon ke beech education loan portfolio badhaane ki hod chal rahi hai. Iska faayda students ko saste loan ke taur par mil raha hai. Abhi education loan par byaaj dar 11.5-14 feesadi hai. Iski tulana mein parsanal loan par intarest rate 15-24 feesadi aur loan ageinst sikyoriti par 13-15 feesadi hai. Loan ka maksad aproovd course ke liye tuition fees (ismein laaibreri aur egjaam fees shaamil) li ja sakti hai. Iski men kaitegari is tarah hain: Hostal fees overseas education ke liye traival kharch kitaabein aur jaroori ikvipmeint khareedne. Ismein vaajib keemat par computer ki khareedaari bhi shaamil hai. Project vark ya stadi tour. Haalaanki , yah kul tuition fees ke 20 feesadi se jyaada naheen hona chaahiye. Sarkaari bank vokeshanal education aur training ke liye alag se loan bhi dete hain. Yogyata ki shartein model education loan skeem ka faayda uthaane ke liye student ko bhaarateeya hona chaahiye. Saath hi , aproovd profeshanal ya teknikl course mein vah edamishn le chuka ho. Kuchh bankon ne education loan ke liye umr ki seema bhi tay ki hai. Yah 16-35 saal hai. Kuchh maamale mein pichhle kvaalifaaing egjaam mein minimm maarks ki shart bhi hoti hai. 4 lakh rupae se jyaada ke loan ke liye Bhaarat mein padhaai karne par bank 5 feesadi aur videsh mein 15 feesadi margin mani kaatate hain. Jo students itni rakam ka intajaam khud naheen kar sakte , unki loan eplikeshan apne - aap reject ho jaati hai. Margin mani vah rakam hoti hai , jo eplikeint ko daaun pemeint ke taur par deni padti hai. Kya skaularaship ko margin mani maana ja sakta hai ? Is baare mein leeding insteetyooshans se savaal karna na bhoolein. Education loan ke liye jaroori baat yah bhi hai ki ismein kamaane vaale paireint , patni ya abhibhaavak ko ko - eplikeint banana padta hai. Jaroori daukyumeints loan eplikeshan form ke saath aaideintiti aur rejideins proof , bank stetameints , inakam tax return ki kaupi , esaesasi , echaesasi aur degree course ki maarksasheet , edamishn proof aur fees schedule ki jaankaari deni padti hai. Iske alaava , jaroorat padne par aapko skaularaship letar ki kaupi bhi deni pad sakti hai. Loan chukaane ki shartein bank aur enabeeefasi course khatm hone ke baad reepemeint se chhah maheene se ek saal tak ki chhoot dete hain. Kuchh maamalon mein yah chhoot naukri milne ke 3-6 maheene tak hoti hai. Iske baad tay avadhi ke andar loan chukaana hota hai. Yah avadhi 5 se 15 saal ho sakti hai. Agar student tay samay mein course naheen kar paata hai , to bank loan pemeint ki miyaad do saal badha sakte hain.