Parsanal Faainains Karj Ke Jaal Mein Fansaane Vaale Hain Ye 10 Lakshan

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Parsanal Faainains Karj Ke Jaal Mein Fansaane Vaale Hain Ye 10 Lakshan

Narendra Nathan, Mumbai$ Aam dhaarana hai ki bhaarateeya karj lene ko achha naheen maanate aur lena hi pad jaae to jald se jald chukaana chaahate hain. Is tarah dekhein to unke karj ke jaal mein fansane ka dar kaafi kam hona chaahiye, lekin ET velth ki or se haal mein karaae gaye ek online sarve ka nateeja kuchh aur hi kahaani kah raha hai. Iski vajah yeh hai ki kaafi log karj ka sahaara le rahe hain. Ham yeh naheen kah rahe hain ki logon ko karj lena hi naheen chaahiye. Ham is baat se bhi sahamat hain ki aabaadi ke ek bade hisse ke liye karj lene se bachana mushkil hai, khaastaur se vetanabhogiyon ke liye. Haalaanki liye gaye karj ke baare mein laaparavaahi unhein gahre sankat mein fansa sakti hai. Faainainshal praudakts ke liye online maarketaples Rubique ke emadi maanav jeet ne kaha, 'Karj kharaab cheej naheen hai, lekin ise chukaane ki achhi yojana honi chaahiye. ' 1. Loan lekar gaijets na khareedein$ Eksaparts ka kehna hai ki loan lekar gaijets khareedna vitteeya roop se samajhadaari bhara kadam naheen hai, lekin kaafi log aajkal aisa hi kar rahe hain. Praaya: Iski vajah upabhog ki badhi chaahat aur loan ki aasaan upalabdhata hoti hai. Sarve mein shaamil logon mein se kareeb 25 pratishat ne kaha ki unhonne pichhle saalabhar mein 'Aasaan sharton vaale EMI' ke jariye gaijets khareede. Kredit mantri ke CEO Ranjit punja ne kaha, 'Hamesha hi koi na koi sel chalti rahati hai aur log khud par kaaboo naheen rakh paate aur EMI par khareedaari kar baithate hain. Ye staindaalon EMI ho sakta hai ki bade na hon, lekin kai EMI ko jodkar dekhein to ho sakta hai ki doosari cheejon ke liye kaafi kam rakam bache. ' 2. Manthali income ke 50% se jyaada na ho loan reepemeint$ Eksaparts ka kehna hai ki EMI aur doosare loan reepemeints kisi vyakti ki manthali income ke 50 pratishat se jyaada naheen hone chaahiye. Haalaanki sarve mein shaamil logon mein se kareeb 15 pratishat ne kaha ki ve apni manthali income ka 50 pratishat se jyaada hissa EMI pemeint mein laga rahe hain. "Kredit card par liye jaane vaale loan par byaaj bahut jyaada vasoola jaata hai, lihaaja ise rol over karne se doosare karj chukaane ki kshamata ghatati jaati hai. Yeh to khud ko karj ke jaal mein fansaane ka nuskha hai"-Arun raamamoorti faaundar, kredit sudhaar Income mein kami shuroo hone par log aamtaur par aise loan lene par majaboor hote hain, jinmein EMI shuruaati varshon mein kam rahata hai aur baad mein badhta hai. Sarve mein shaamil logon mein se 24 pratishat ne isi tarah ke loan liye hain. Haalaanki, eksaparts aagaah kar rahe hain ki badhte hue EMI vaale loan aane vaale varshon mein takaleefadeh ho sakte hain, khaastaur se tab jab income ummeed ke mutaabik na badh paae. Aam kharchon ke liye karj lena kaheen jyaada badi chinta ki baat hai. Indian mani ke CEO si S sudheer ne kaha, 'Agar kiraaya, bachchon ki school fi jaise niyamit kharchon ke liye aapko praaya: Udhaar lena pad raha ho, to isse pata chalta hai ki aap karj ke jaal mein ghirte ja rahe hain. ' sarve mein shaamil logon mein se kareeb 16 pratishat ne isi tarah ke karj liye hain. Kredit card par lagne vaale 5 chaarj, jinhein aap naheen jaante honge$ 3. Kredit card se udhaar yaani bantaadhaar$ Koi loan chukaane ke liye doosra karj lena is baat ka sanket hota hai ki aadmi karj ke jaal mein fans chuka hai. Kareeb 22 pratishat logon ne pichhle saalabhar mein aisa hi kiya. Rojamarra ke kharch ya doosare loan chukaane ke liye udhaar lena to kharaab baat hai hi, kredit card ke jariye aisa karna khud ko mushkil mein daalne ka pakka jariya hai. Sarve mein shaamil logon mein se kareeb 9 pratishat ne kredit card ke jariye paisa lene ki baat kahi, vaheen 21 pratishat logon ne kaha ki ve apne kredit card pemeints miss kar gaye ya nyoonatam deya rakam chukaakar karj ko unhonne rolaovar kiya. Aisa karna aur bhi jyaada chinta ki baat hai. Kredit sudhaar ke faaundar Arun raamamoorti ne kaha, 'Kredit card par liye jaane vaale loan par byaaj bahut jyaada vasoola jaata hai, lihaaja ise rol over karne se doosare karj chukaane ki kshamata ghatati jaati hai. Yeh to khud ko karj ke jaal mein fansaane ka nuskha hai. ' Kredit card se bhoolakar bhi na karein ye 7 kaam$ 4.70% se jyaada hai tayashuda kharch to gadbad$ EMI to tayashuda kharchon ka ek hissa bhar hai. Kiraaya, soshaaiti meintaneins chaarj, school fi aadi ke kharche bhi tay hain. Kredit mantri ke CEO Ranjit punja kehte hain, 'Aadarsh sthiti yeh hai ki tayashuda kharche, aamdani ke aadha se jyaada naheen hon. ' lekin, kareeb 9% logon ne maana ki unka tayashuda kharch, unki aamdani ke 70% se bhi jyaada hai. Aise 20% logon ki saalaana aamdani 12 lakh rupaye se kam hai. Svaabhaavik hai ki kam aamdani vaale log bachat naheen kar paate hain. 5. Karj chukaane ke liye karj: Mahangi padegi yeh galati$ Loan reepemeint ke liye karj lena chinta ka vishay hai. Haan, kam byaaj par loan ofar karne vaale bank mein svich karne ke liye aisa karne mein buraai naheen hai. 21% logon ne maana ki unhonne pichhle ek saal mein loan reepemeint ke liye kam-se-kam ek baar karj liya hai. Aise 27% logon ki umr 30 varsh se kam hai. Isliye, khaaskar yuvaaon ko is aadat se bachana chaahiye. 6. Kredit card dyooj jaroor bharein$ Kredit card ka bakaaya naheen chukaana badi galati hai. Sarve mein shaamil 21% logon ne kaha ki pichhle ek varsh mein ve ya to pemeint karna bhool gaye ya fir minimm dyoo amaaunt hi bhara hai. Inmein 29% logon ki saalaana aamdani 6 lakh rupaye se kam hai. Kredit card par is tarah ki galatiyon se aapka kredit score kharaab hota hai. 7. Agar loan dene se inkaar karne lagein bank$ Sarve mein shaamil 5.4% logon ne maana ki bankon ne unhein loan dene se inkaar kar diya. Indiyaamani ke CEO aur faaundar seees sudheer kehte hain, 'Bank aapka loan aavedan khaarij karne lagein to yeh chinta ki baat hai. Khaaskar, tab jab aisa aapka kredit score theek naheen hone ke kaaran ho raha ho. ' jin logon ke loan aiplikeshan khaarij hue hain, unamein 22% ki aamdani saalaana 12 lakh rupaye se kam hai. Inke aavedan ya to aamdani aur tayashuda kharchon ka uchit ausat naheen rahane ya kredit card ka poora bill baar-baar naheen bharne ke kaaran khaarij hue hain. 8. Bhavishya ki aamdani ke aadhaar par karj$ Agar aap yeh sochakar karj le rahe hain ki aapko bonas mein achhi-khaasi rakam milne waali hai to aap mushkil mein pad sakte hain. 16% logon ne yeh sochakar jyaada paise kharch kar diye ki bonas to milega hi. Inmein 18% logon ki umr 30 varsh se kam hai. 9. Badhti EMI par karj lena$ Kai log bhavishya mein sailari inkrimeint se bahut aas laga laga lete hain. Kam sailari hone par to theek-thaak inkrimeint mil jaata hai, lekin retire hone tak banpar inkrimeint milta rahe, iski gunjaaish bahut kam rahati hai. Isliye, hone vaale inkrimeint ke dam par kharch badha lena achhi baat naheen hai. Bank bhi logon ko sailari badhne ka havaala dekar aisa karj lene ko ukasaate hain jismein kuchh varshon ke baad samay-samay par EMI badh jaati hai. Isse aapki vitteeya suraksha khatre mein aa sakti hai. Kareeb 24% logon ne badhte EMI vaale karj le rakhe hain jinmein aadhe log 30 se 60 varsh ki umr ke hain. 45 varsh se jyaada ki umr ke logon ke liye yeh bilkul galat hai. 10 rojamarra ke kharchon ke liye loan$ Agar aap rojamarra ke kharchon ke liye aksar karj lete hain, to jaroori hai ki apna vitteeya prabandhan theek karein. Indiyaamani ke CEO aur faaundar seees sudheer kehte hain, 'Agar aapko kiraaya, bachche ki school fi aadi ke liye aksar karj lena padta hai to aap karj ke jaal mein fans sakte hain. ' agar saal mein teen baar se jyaada karj lena pad jaae to yeh karj ke jaal mein fansane ka lakshan hai. Sarve mein shaamil 4% logon ne pichhle ek varsh mein teen baar se jyaada karj liye. Inmein 19% logon ki saalaana aamdani 12 lakh rupaye se kam hai. Faainainshal market mein kai tarah ke kredit kaards ke ofar aksar milte rahate hain. Free card se lekar premium card tak mein kai tarah ke ofar bhi diye jaate hain. Haalaanki aise bhi kai ofar ho sakte hain, jinke baare mein aap na jaante hon. Card jaari karne vaale bank se lekar aapki or se chune gaye vikalp ke aadhaar par ye ofar milte hain. Kredit kaards se graahakon ko kai tarah ke faayde milte hain, jaanein- iske 5 aham faayde. . . (lekhak: Aadil Shetty, CEO, bank baajaar dot com)online shopping ke is yug mein graahakon ko lubhaane ke liye kredit kaards par kai tarah ke aakarshak ofar aur diskaaunt diye jaate hain. Lekin in ofaron ka laabh uthaate hue sirf vahi khareedaari karein jo aapke bajat ke bheetar ho aur ek aisi kredit seema ke bheetar ho, jise aap aasaani se chuka sakein. Aap$ Yootiliti bill ka pemeint karne ke liye, fyool khareedne ke liye, kiraane ka saamaan khareedne ke liye, moovi ticket khareedne jaise kaamon ke liye card ka istemaal karte hue kai tarah ke faayde bhi utha sakte hain. Haalaanki iske baad bhi ofaron ke lobh mein aakar apni kshamata se adhik udhaar na lein aur kharch karne se pehle apni udhaar chukaane ki kshamata ka moolyaankan kar lein. Earaport laaunj, flight dile aur reeshedyooling ke dauraan pareshaan yaatriyon ke liye bahut faayademand saabit hota hai. Lekin, har kisi ko sabhi laaunj ka ekses naheen milta hai. Kuchh laaunj mein sirf sadasyon ko hi pravesh milta hai, jabki kuchh anya laaunj mein pravesh karne par chaarj lagte hain. Aap kaumplimeintri laaunj ekses$ Pradaan karne wala kredit card lekar is tarah ke laaunj ka ekses praapt kar sakte hain. Kvaalifaaid kredit kaards par har teen maheene mein card jaareekarta dvaara ek seemit sankhya mein free entry di jaati hai. Yeh ek kredit card ka istemaal karne ke sabse mahatvapoorn laabhon mein se ek hai. Choonki yeh ek asurakshit karj saadhan hai, isliye yadi aap kredit card ka dhyaanapoorvak istemaal karte hain aur samay par apna bakaaya chukaate hain to yeh ek achha kredit score taiyaar karne mein aapki madad kar sakta hai. Lekin, yadi aap$ Samay par apna bakaaya chukaane se chook jaate hain to yeh aapke kredit score ko nuksaan pahuncha sakta hai. Ek kredit card aapki online shopping ko adhik surakshit banaata hai. Yadi aap koi online pemeint karne ke liye ek kredit card ka istemaal karte hain to aap praudakt ke kharaab hone ya gum hone par parachej prautekshan klauj ka laabh utha sakte hain. Paise klem karne ke liye aapko ek FIR darj karaana pad sakta hai aur khareede gaye saamaanon ke pramaan ki kaupi pradaan karni pad sakti hai. Parachej prautekshan feature par aadhaarit card ka chayan karne se pehle apavarjanon ki soochi aur niyam evam sharton ki jaanch kar lein. Aapne kai baar dekha hoga ki online shopping karne ke baad, vikreta dvaara praudakt ki keemat ghata di jaati hai. Yadi aapne price prautekshan kavar dene vaale kredit card ka istemaal karke saamaan khareeda hai to aap usi shopping portal ke printed vigyaapan ke saath 7 din ke bheetar (ya aapki kredit card company dvaara$ Nirdhaarit samay seema ke bheetar) card company ko iski report karke price prautekshan benifit ke liye klem kar sakte hain aur rifand praapt kar sakte hain. Kredit card aapko kanseeyarj service, big ticket parachej ke liye EMI faisiliti, ityaadi jaisi suvidhaaen bhi deta hai. Kai kredit card, inshyoreins benifit bhi dete hain, isliye apne liye koi kredit card lene se pehle uske laabhon ke baare mein jaroor jaan lein. If($(). Rkslider){ $('#phototabslide_64696491'). Rkslider('#phototabslide_64696491. Phototabslide . BtnNext', '#phototabslide_64696491. Phototabslide . Btnprev','False','600','600','1','NA','NA'); }.

Parsanal Faainains Karj Ke Jaal Mein Fansaane Vaale Hain Ye 10 Lakshan https://www.angrejinews.com/pic/263333