Sasta Karj Ke Liye Loan Ageinst Prauparti Hai Behtar Opshan

Business » Wednesday, April 3, 2013

Amit shaanabaag. . Aap bhale hi jamkar sevings karte hon, lekin kai baar aisi sthitiyaan paida ho jaati hain jinmein aapko achaanak paise ki jaroorat padti hai. Parivaar ya mitron se udhaar lena sabse behatareen vikalp hai. Magar kai baar kaafi jyaada rakam ki jaroorat pad sakti hai. Aise mein sabse behtar vikalp yah hai ki aap apne paas maujood sampattiyon (apne ghar) par karj lein. Bank se loan lene ke liye aap apne ghar ko kauletaral ke taur par yooj kar sakte hain. Bank aapki prauparti ki poori jaanch padtaal karta hai, iski vailyoo aankata hai aur aapko iski vailyoo ka 70 feesadi tak loan deta hai. Choonki yah ek sikyord loan hota hai, aise mein aapko is par parsanal loan jaise anasikyord loan ke mukaabale jyaada rakam mil sakti hai. Nishchit taur par aapko iske liye aidaministretiv aur processing fees chukaani hoti hai, jo ki amooman 0.5 feesadi se 1.5 feesadi tak hoti hai. Aam taur par is loan ka tainyor 1 se 9 saal tak ka hota hai. Lekin agar loan bada ho to kuchh bank ise badhaakar 15 saal tak kar sakte hain. Is par lagne vaala intarest rate 12 se 16 feesadi ke beech hota hai, jo ki floting ya fiksd hota hai. Is tarah se yah parsanal loan ke mukaabale kaafi sasta baithata hai. Kreditbidya ke director Rajiv raaj ke mutaabik, 'Prauparti ke badle loan lena nishchit taur par parsanal loan ke mukaabale kaafi sasta baithata hai. Parsanal loan mein aapko amooman 14 se 22 feesadi byaaj chukaana hota hai. Loan ageinst prauparti se sasta keval ek loan padta hai aur vah hai hom loan. ' prauparti par loan lena isliye bhi sasta padta hai kyonki ismein karj chukaane ke liye doosare loan ke mukaabale aapko jyaada lamba tenyor milta hai. Parsanal loan jaise anya loan par karj chukaane ki avadhi adhiktam paanch saal hoti hai. Nishchit taur par, aap is loan ka preepemeint bhi kar sakte hain. Ismein bankon ke liye regular hom loan ki tarah gaaidalaains tay ki gayi hain. Haalaanki bank floting rate loan ke liye koi fees chaarj naheen kar sakte hain, lekin fiksd rate loan ke liye is par 2 se 4 feesadi ki penalty lagti hai. Apni prauparti par loan kaise lein? Agar aap jis prauparti ke badle loan le rahe hain uske ek se jyaada maalik hain, to unamein se sabhi ko loan lene ke liye jvauint epleekeints banana hoga. Aap kisi bhi tarah ki freehold prauparti par loan le sakte hain, ismein ghar se lekar plaut tak kuchh bhi ho sakta hai. Isse bhi fark naheen padta hai ki aap is sampatti mein khud rah rahe hain ya ise reint par diya huaa hai. Apanaapaisa. Com ke faainainshal plaining ke head pankaj maalade ke mutaabik, 'Sabse jaroori cheej yah hai ki prauparti ka title kleeyar hona chaahiye aur ismein koi vivaad naheen hona chaahiye. 'Bank prauparti se sambandhit sabhi dastaavejon ki jaanch karta hai, saath hi aapse rejideins proof bhi maangata hai. Aapko aaideintiti proof ki kaupi bhi jama karaani padti hai. Agar aap naukri kar rahe hain to aapko pichhle chhah maheene ka bank stetameint bhi dena padta hai. Jabki self emplauyad parsan ko gujre do saal ka sartifaaid faainainshal stetameint dena hota hai. Bank se milne vaala loan kai faiktars par dipeind karta hai. Inmein vark prafaail aur udhaar lene vaale ki umr shaamil hoti hai. Raaj ke mutaabik, 'Amooman teen saal ka inakam proof prauparti par loan lene ke liye kaafi hai. Iske liye minimm ej 24 saal hai. Saath hi karj dene vaale yah chaahate hain ki loan ki rakam poori vaapas mil jaae, aise mein ve chaahate hain ki loan lene vaala emplauyad ho.