Loan Ke Bare Mein Puri Jankari Hindi Mein – Apply Kaise Kare, Loan Ke Liye Documents, Types, aur Eligibility

Loan dene ka sabse saral shabdon mein arth hota hai udhaar dena. Yah ek vyakti ya sanstha se doosare vyakti ko dhan udhaar dene ko loan dena kaha jata hai, aur yahi Loan ka Hindi meaning hota hai. Ek loan ke teen aang hote hain – udhaar raashi, byaaj dar aur avadhi ya avadhi jisake lie loan liya gaya hai. Yah kisee bhee bank ya Gair Banking Vitteey Company (NBFC) ke praathamik vitteey utpaadon mein se ek hai. Iss article mein. ham Loan Ke Bare mein Puri Jankari Hindi mein prapt karenge, aur sath hee yah bhi janenge ki Loan kitne type ki hoti hai, Loan ke liye documents kaun se chahiye, aur Loan ke liye apply kaise kare in Hindi.

Loan Kya Hota Hai

Loan ek raashi hai jo ek ya adhik vyakti, ya company Bank, ya anya vitteey sansthaanon se udhaar letee hain taaki vitteey roop se niyojit ya aniyojit ghatanaon ka prabandhan kiya ja sake. Aisa karne par, udhaarakarta ek Loan leta hai, jise use byaaj sahit aur ek nishchit avadhi ke bheetar chukaana hota hai.

Kisee bhee loan ko dene se pehle praaptakarta (recipient) aur loanadaata (lender) ko Loan kee sharton par sahamat hona hota hai. Kuch maamalon mein, udhaarakarta ko Loanadaata (lender) ko sampaarshvik ke lie ek sampatti kee peshakash karane kee aavashyakata hotee hai, jise loan document mein ullikhit kiya jaega.

Vyaktiyon, Nigamon aur Sarakaaron ko Loan diya ja sakta hai. Loan lene ke peechhe mukhy vichaar, kisee kee samagr mudra aapoorti ko badhaane ke lie dhan praapt karna hota hai. Byaaj aur shulk Loanadaata ke lie raajasv (source of revenue) ke srot ke roop mein kaary karate hain.

Types of Loan in Hindi (Loan Ke Type)

Bank sabse aam Loan pradaata hain, aur paise udhaar dene ke peechhe protsaahan punarbhugataan (full repayment) ke atirikt unhen praapt hone vaale byaaj se aata hai. Loan ke lie Apply karne ke kaee kaaran ho sakate hain. Is kaaran se, Bank yah sunishchit karne ke lie vibhinn prakaar ke Loan pradaan karate hain ki ve aapkee sabhee aavashyakataon se mel khaate hon aur aapko jiss kaam ke liye loan ki avyakshata hai, vo pura ho sake.

Mool roop se Loan ko Secured Loan aur Unsecured Loan mein vargeekrt kiya jaata hai. Aur in donon shreniyon mein aage vibhinn prakaar ke Loan shaamil hain jinakee charcha hamane neeche iss article mein kee hai. Saamaany prakaar ke Loan josabse jyada liye jaate hain ve hain: Personal Loan, Car Loan, Home Loan, Education Loan, Business Loan, aur Gold Loan.

Secured Loan Kya Hota Hai – Meaning in Hindi

Secured Loan ve loan hote hain jinke lie sampaarshvik (collateral) kee aavashyakata hotee hai, arthaat, aapko rnadaata ko aapke dvaara udhaar lie gae dhan kee suraksha ke roop mein ek sampatti pradaan karanee hoti hai. Iss tarah, yadi aap loan chukaane mein asamarth hain, to rnadaata (lender) ke paas apna paisa vaapas paane ke lie abhee bhee kuchh saadhan hain. Unsecured loan kee tulna mein Secured Loan kee byaaj dar isi karaan se kam hotee hai.

Aise loan mein, rnadaata aamataur par vartamaan mooly ka pata lagaane ke lie sampaarshvik (collateral) ka aakalan karata hai taaki ve aapko loan de sake. Home Loan, ya Vehicle Loan Secured Loan ke aadarsh udaaharan hain. Bharat ke Pradhaan Mantri dvaara Pradhaan Mantri Awas Yojana kee pahal ne Bharat mein Home Loan ko ek bada protsaahan pradaan kiya hai.

» Secured Loan Ke Prakar

Secured Loan kaee alag-alag prakaaron mein vibhaajit hain. Home Loan in Hindi, Gold Loan in Hindi, aur Vehicle Loan in Hindi, ye sabhi Secured Loan ke antrgat aate hain. Secured Loan ke Prakar mein sabse lokpriy prakaron ki charcha niche ki gayi hai.

1. Home Loan

Home Loan ek secured loan hai jiska upayog koee vyakti ya sangathan kisee bhee ghar ya real estate property ko khareedane ke lie kar sakta hai. Loan aapko pooree raashi ka agrim bhugataan kie bina property khareedane kee anumati dete hain. Vaastav mein, aap sampatti ke mooly ke ek chhote se hisse ka agrim bhugataan (down payment) karake sampatti ke maalik ban sakate hain. Ek udhaarakarta ke roop mein, aapase, laagoo byaaj sahit sampoorn loan chukaane kee apeksha kee jaatee hai. Yadi aap aisa karane mein viphal rahate hain, yaanee loan chukane mein, toh rnadaata ya ban aapke dwara kharidi gayi sampatti ko jabt (seize) kar sakta hai, jisse aapka loan bhi band ho jayega.

Bharat mein upalabdh Home Loan ke prakaar nimnalikhit hain:

• Zameen kharidne ke liye Loan
• Naya ghar banane ke liye Loan
• Home Loan Balance Transfer
• Top Up Home Loan apne ghar ko renovate karne ke liye

Dhyaan den ki ek naee property/ghar khareedate samay, aapko rnadaata ko sampatti ke mooly ka kam se kam 10-20% ka down payment karne kee aavashyakata hotee hai. Vitarit kee gaee loan raashi aapkee aay (income), usakee sthirata, aur vartamaan liabilities par nirbhar karatee hai. Rnadaata dvaara loan anurodh ko manjooree dene se pehle aapke credit score kee jaanch kee jaatee hai. Yadi aapka credit score accha hai, toh is baat kee kafi sambhaavana hai ki aap apne Home Loan ke saath kam byaaj daron ka aanand le sakenge.

2. Gold Loan

Bharat mein upalabdh sabhee prakaar ke loan mein, sabse tezi, aur sabse aasaani se Gold Loan liya jaa sakta hai. Gold Loan un dinon mein bahut lokapriy tha jab sone (gold) kee daren tejee se badh rahee theen. Haal ke dinon mein sone kee giratee daron se gold companies ko ghaata ho raha hai.

Ek Gold Loan ka upayog aapaatakaaleen ya niyojit vitteey aavashyakataon, jaise vyavasaay vistaar, shiksha, chikitsa aapaat sthiti, krshi vyay, aadi ko poora karne ke lie liya ja sakta hai. Gold Loan ek secured loan hota hai, jisamen gold ko security ya collateral ke roop mein uss loan raashi ke badale mein rakha jaata hai, jo us din sone ke prati gram baajaar mooly se mel khaatee hai, jis din sona giravee rakha gaya ho. Gold Loan ke mooly ka nirdhaaran karate samay kisee bhee any dhaatu, ratn, ya pattharon kee ganana nahin kee jaegee jo gahanon mein hain.

Sabse lambe samay tak, sona sabse pasandeeda sampatti vargon mein se ek raha hai. Gold Loan ka istemaal aam taur par alpakaalik (short term) jarooraton ke lie kiya jaata hai aur Home loan kee tulana mein iskee punarbhugataan (repayment) avadhi kam hotee hai.

3. Loan Against Property (LAP)

Property par loan ya Loan Against Property (LAP) ek secured loan ke sabse saamaany roopon mein se ek hai jahaan aap aavashyak dhan praapt karane ke lie kisee bhee aavaaseey (residential), vaanijyik (commercial), ya audyogik (industrial) sampatti ko giravee rakh sakate hain. Loan Against Property aapko apne vyavasaay ya vyaktigat aavashyakataon ke vittaposhan ke lie dhan ka laabh uthaane ke lie apnee sampatti ko giravee rakhane kee anumati deta hai.

Vitarit loan raashi aavaaseey ya vaanijyik sampatti ke baajaar mooly ke 60-70% ke beech hotee hai. Apnee sampatti par sarvottam mooly praapt karane ke lie rnadaata ke pratinidhi ke saath baatacheet karen.

Jabki kuch rnadaata sampatti ke mooly ke 50-60% ke baraabar raashi kee peshakash karte hain, anya 80% ke kareeb raashi kee peshakash kar sakate hain. Loan against Property aapko bachchon kee uchch shiksha, ya vivaah jaise vyaktigat jeevan ke lakshyon ko poora karne me sahayata pradaan kar sakta hai. Business, Vyavasaay vistaar, Anusandhaan aur Vikaas, aur Utpaad Vikaas ke lie sampatti par rn ka upayog karte hain.

4. Loan Against Insurance Policy

Beema Policy ya Insurance Policy par loan mil sakta hai, haalaanki, dhyaan den ki sabhee insurance policy ​​​​iske lie yogy nahin hoti hain. Keval policy, jaise endowment aur money-back, jinkee paripakvata mooly (maturity value) hai, ka upayog loan praapt karne ke lie kiya ja sakta hai.

Yadi aapkee insurance policy loan ke lie paatr hai, to aap apne beemaakarta se loan raashi ka laabh utha sakate hain. Aap beema ke lie nivesh ko sampaarshvik ke roop mein bhee upayog kar sakate hain. Aam taur par, insurance policy kee shuruaat mein hee loan nahin liya ja sakta hai.

Is prakaar, aap Term Insurance plan par loan nahin le sakate kyonki isamen koee maturity benefit nahin hota hai. Saath hee, unit linked yojanaon par bhi loan nahin liya ja sakta kyonki isme return nishchit nahin hota hai, aur yah bazaar ke pradarshan par nirbhar karata hai. Yah dhyaan rakhna aavashyak hai ki aap endowment aur money-back policy par loan tabhi prapt kar sakte hain, jab unhonne surender value haasil kar lee ho. Ye polisiyaan ​​3 saal tak lagaataar niyamit premium ka bhugataan karne ke baad hee surrender value haasil kartee hain.

5. Loan Against Mutual Funds & Shares

Lambi avadhi ke dhan srjan ke lie ek aadarsh ke roop mein mutual fund ko loan ke lie security ke roop mein bhee giravee rakha ja sakta hai. Aap loan praapt karne ke lie vitteey sansthaan ko equity ya hybrid fund giravee rakh sakate hain. Aisa karne ke lie, aapko apne financer se baat karke ek loan samajhauta nishpaadit karana hoga.

Tab aapka financer mutual fund registrar ko likhega aur giravee rakhee jaane vaalee ikaiyon kee nishchit sankhya ko chihnit (marked) kiya jayega. Aamataur par, aap loan ke roop mein giravee rakhee gaee ikaiyon ke mooly ka 60-70% praapt kar sakate hain.

Isee tarah, shares ke saath, vitteey sansthaan sheyaron ke khilaaph ek grahanaadhikaar (lien) banaate hain jisake khilaaph loan liya jaata hai aur loan ka mooly sheyaron ke mooly ke pratishat ke baraabar hota hai.

Aam taur par, log apne loan aavedan ke lie apne mutual fund nivesh ya sheyaron ko security ke roop mein pesh karate hain. Bank sheyaron ke kul moolyaankan, ya mutual fund nivesh se kam raashi ka loan dete hain. Haalaanki, aap is prakaar ke loan ke tahat badee maatra mein udhaar nahin le paenge.

6. Loan Against Fixed Deposit

Yadi aapke paas kisee bank mein Fixed deposit jama hai, to aap uske badle loan ke lie aavedan kar sakte hain. Yadi aapka fixed deposit lagabhag ₹100,000 ya usase adhik hai, to aap ₹80,000 ke loan ke lie aavedan kar sakte hain. Is tarah ke loan par lagae jaane vaale byaaj kee dar bank dvaara aapkee fixed deposit par bhugtaan kee gaee byaaj dar se tulanaatmak roop se adhik hotee hai.

Saadhaaran fixed deposit na keval sunishchit return pradaan karata hai balki aapko loan kee aavashyakata hone par bhee kaam aa sakta hai. Loan kee raashi fixed deposit ke mooly ke 70-90% ke beech ho sakatee hai, aur sabhee udhaaradaataon mein bhinn ho sakatee hai. Haalaanki, yah dhyaan rakhna aavashyak hai ki loan kee avadhi fixed deposit kee avadhi se adhik nahin ho sakatee hai.

Secured Loan Ki Vishestaen

1. Secured Loan ek “Collateral” ke aadhar par par diya jata hai. Collateral ka matlab hota hai “Security”. Secured loan ke maamle mein security ke roop mein aapka ghar, gaadi, property, ya zameen, aadi kuch bhi ho sakta hai jiske liye aapne loan liya ho.
2. Secured Loans ki byaaj daren (interest rates) unsecured loans ki talna mein behad kam hoti hain kyunki isme rndaata ke pas security ke roop mein aapki sampatti hoti hai, aur loan naa chuka paane ke stithi mein aapke dvaara girvi rakhi gayi sampatti par kabja kar liya jata hai.
3. Secured Loan mein aapko fixed rate aur variable rate ka vikalp milta hai.
4. Secured Loan ka approval bahut jald mil jaata hai.
5. Secured Loan ko aapki zaruraton ke hisab se anukul banaya jaa sakta hai.
6. Koi bhi non-saleried (self-employed) vyakti Secured loan ke liye apply kar sakta hai.
7. Is prakaar ke loans ke lie kise gurantee kee aavashyakata nahin hotee hai.
8. Secured loans me aapke pas flexible repayment vikalp maujood hote hain.
9. Bank aur rnadaata un sampattiyon ko vaapas le sakte hain jinake lie loan liya gaya tha.
10. Ek baar secured loan ka poora bhugataan ho jaane par Cibil Score mein sudhaar hota hai.

Secured Loan Ke Liye Eligibility Criteria in Hindi

Secured Loan ke lie apply karne ke lie aapko nimnalikhit aavashyakataon ko poora karana hoga.

1. Aavedakon kee aayu 18 varsh ya usase adhik honee chaahie.
2. Aavedak Bharat ka nivaasee hona chaahie.
3. Adhiktam Bank/rndaata ke liye aavedak ki salaana income kam se kam 3 Lakh honi chaiye.
4. Vyaavasaayik aay ke aadhaar par loan ke lie, vyavasaay pichhale 3 varshon se chal raha ho aur laabh kama raha ho.
5. Aavedak ke paas jama sampatti honee chaahie, jisaka mooly aavashyak loan ke mooly se mel khaana chaahie ya usase adhik hona chaahie.

Secured Loan Ke Liye Documents

Aapko ek secured loan lene ke liye rnadaata ya bank ko kayi documents jama karane honge, taaki ve aapkee pahachaan, pata aur anya vivaran sthaapit kar saken. Yahaan hamane un dastaavezon ko soocheebaddh kiya hai jinakee aapko Home Loan, Car Loan in Hindi, Business Loan in Hindi, aur Mortgage Loan lene ke lie aavashyakata hogee.

› Home Loan Ke Liye Documents in Hindi

Home Loan lene ke liye aapko niche diye gaye documents ki aavashyakta hogi, jo iss prakaar hain.

1. Nivaas ka Pramaan (Address Proof) – Ek pramaanit dastaavej jo kaanoon kee najar mein aapke aavaaseey pate kee pushti karata hai. Address proof ke taur pe aap apna landline/internet bill, rental aggrement, ya aapka Bank account statement de sakte hain.
2. Pahachaan ka Pramaan (Identity Proof) – Yah ek aadhikaarik dastaavej hona chaahie jisamen aapka naam aur photo ho. Aapka Driving License, Voter ID Card, Passport, PAN Card, aadi ho sakta hai.
3. Aapke pichhale 6 maheenon ka bank statement.
4. (Optional) Ek Guranteekarta (Guarantor) jo aapki gurantee le.

› Car Loan Ke Liye Documents in Hindi

Car Loan lene ke liye aapko niche diye gaye documents ki aavashyakta hogi, jo iss prakaar hain.

1. Aayu ka Pramaan (Age Proof) – Ek satyaapan yogy dastaavej hona chaahie jo aapkee aayu nirdhaarit karata ho, jaise janm pramaan patr (Date of Birth Certificate), Passport, Voter ID Card, aadi.
2. Pahachaan ka Pramaan (Identity Proof) – Yah ek aadhikaarik dastaavej hona chaahie jisamen aapka naam aur photo ho. Aapka Driving License, Voter ID Card, Passport, PAN Card, aadi ho sakta hai.
3. Nivaas ka Pramaan (Address Proof) – Ek pramaanit dastaavej jo kaanoon kee najar mein aapke aavaaseey pate kee pushti karata hai. Address proof ke taur pe aap apna landline/internet bill, rental aggrement, ya aapka Bank account statement de sakte hain.
4. Aay ka Pramaan (Income Proof) – Ek aadhikaarik / pramaanit dastaavej jisamen aapkee aay aur bhugataan kie gae tax (TDS) ka vivaran ho. Ya to pichhale 3 maheenon kee aapkee vetan parchee (salary slip) ho sakatee hai, ya aapke dvaara bhara hua Form 16 jo aapke vetan pramaan patr (salary certificate) se juda ho.
5. Hastaakshar ka Satyaapit Pramaan (Signature Proof) – Rnadaata aapse aapke signature ka alag alag namoona lega, pramaanit dastaavejon ke khilaaph satyaapan yogy, jinamen pahale se hee aapke hastaakshar hain.
6. Passport Size, aur Stamp Size Photo.
7. Picchale 6 mahinon ka Bank Statement.
8. Car Loan Application Form jo aapko Bank se diya jayega, aur isse aapko sahi tarike se bharna hoga.

› Business Loan Ke Liye Documents in Hindi

Business Loan lene ke liye aapko niche diye gaye documents ki aavashyakta hogi, jo iss prakaar hain.

1. Pahachaan ka Pramaan (Identity Proof) – Yah ek aadhikaarik dastaavej hona chaahie jisamen aapka naam aur photo ho. Aapka Driving License, Voter ID Card, Passport, PAN Card, aadi ho sakta hai.
2. Nivaas ka Pramaan (Address Proof) – Ek pramaanit dastaavej jo kaanoon kee najar mein aapke aavaaseey pate kee pushti karata hai. Address proof ke taur pe aap apna landline/internet bill, rental aggrement, ya aapka Bank account statement de sakte hain
3. Company Profile aur Utpaad Shrenee (Product Range) – Aapkee company, utpaadon, ya sevaon ka poora vivaran.
4. Promoter Profile.
5. Pichhale 3 varshon kee audited Balance Sheet.

› Mortgage Loan Ke Liye Documents in Hindi

Mortgage Loan lene ke liye aapko niche diye gaye documents ki aavashyakta hogi, jo iss prakaar hain.

1. Sampatti ke mool sampatti dastaavej jise loan ke khilaaph sampaarshvik (security) ke roop mein giravee rakha ja raha hai.
2. Pichhale 6 maheenon ke Bank Statement.
3. (Optional) Ek Guranteekarta (Guarantor) jo aapki gurantee le.
4. LRD (Lease Rental Discounting) ke lie lease agreement ki copy.
5. Nivaas ka Pramaan (Address Proof) – Ek pramaanit dastaavej jo kaanoon kee najar mein aapke aavaaseey pate kee pushti karata hai. Address proof ke taur pe aap apna landline/internet bill, rental aggrement, ya aapka Bank account statement de sakte hain.
6. Pahachaan ka Pramaan (Identity Proof) – Yah ek aadhikaarik dastaavej hona chaahie jisamen aapka naam aur photo ho. Aapka Driving License, Voter ID Card, Passport, PAN Card, aadi ho sakta hai.
7. Aay ka Pramaan (Income Proof) – Ek aadhikaarik / pramaanit dastaavej jisamen aapkee aay aur bhugataan kie gae tax (TDS) ka vivaran ho. Ya to pichhale 3 maheenon kee aapkee vetan parchee (salary slip) ho sakatee hai, ya aapke dvaara bhara hua Form 16 jo aapke vetan pramaan patr (salary certificate) se juda ho.
8. Aayu ka Pramaan (Age Proof) – Ek satyaapan yogy dastaavej hona chaahie jo aapkee aayu nirdhaarit karata ho, jaise janm pramaan patr (Date of Birth Certificate), Passport, Voter ID Card, aadi.

UnSecured Loan Kya Hota Hai – Meaning in Hindi

Unsecured Loan wo loan hote hain jinhen sampaarshvik (security) kee aavashyakata nahin hotee hai. Rnadaata aapko aapke Credit Score, aur itihaas ke aadhaar par loan deta hai. Iss prakaar, unsecured loans ka laabh uthaane ke lie aapke paas ek achchha Credit History hona chaahie. Security naa hone ke kaaran unsecured loans aamataur par uchch byaaj dar ke saath aate hain.

Secured Loans kee tulna mein yah loan prakaar aamataur par praapt karana thoda kathin hota hai. Kuch rnadaata yah sunishchit karne ke lie aapke kaary itihaas par bhee ek nazar daalate hain ki aap default nahin honge. Iss tarah, ve punarbhugataan (repayment) ke lie praaptakarta kee kshamata ka anumaan lagaane, aur yah tay karne mein saksham hote hain ki loan dena hai ya nahin. Unsecured Loans alpakaalik (short term) hote hain, aur inkee koee gaarantee sanlagn nahin hotee hai. Unsecured loan mein credit card se khareedaaree, education loan, aur personal loan jaise loans shaamil hain. Yadi aap loan chukaane mein asamarth hain, to rnadaata ko mukadamon ya yahaan tak ​​ki loan nikalwane vaalon (debt-collectors) ka sahaara lena hoga.

» UnSecured Loan Ke Prakar

Secured Loan kaee alag-alag prakaaron mein vibhaajit hain. Personal Loan in Hindi, Small Business Loan in Hindi, Term Loan in Hindi, Education Loan in Hindi, ye sabhi UnSecured Loan ke antrgat aate hain. UnSecured Loan ke Prakar mein sabse lokpriy prakaron ki charcha niche ki gayi hai.

1. Personal Loan

Personal Loan udhaarakarta kee vyaktigat (personal) jarooraton ko poora karane ke lie pradaan kie jaate hain. Aap is prakaar ke loan se praapt dhan ka kisee bhee tarah se upayog kar sakate hain jo aapko uchit lage. Aap apne pichhale karj ka bhugataan kar sakate hain, apne lie mahangee vastuon kee khareedaaree kar sakate hain, aur apne parivaar ke saath ek shaanadaar yaatra kee yojana bana sakate hain. Yah aap par nirbhar hai ki aap paise ka upayog kaise karna chahte hain. Personal loan kee byaaj daren anya prakaar ke loans kee tulana mein adhik hotee hain.

Sabhee pramukh bank, aur rnadaata apne graahakon ko Personal Loan pradaan karate hain. Rnadaata aamataur par aapke dvaara loan ke paison ke saath kie ja rahe kaaryon mein hastakshep nahin karate hain. Aur ek saamaany abhyaas ke roop mein ve aapke aay pramaan ya any sampattiyon ko dekhate hain taaki yah sunishchit ho sake ki aap loan chukaane mein saksham honge, kyonki Personal Loan ek Unsecured Loan ka prakaar hai. Personal Loan ke maamale mein, udhaarakarta ko kuchh dinon ke bheetar loan ke manjoor hone ya kharij hone ke bare mein pata chal jata hai.

Aapko yaad rakhana chaahie ki in rnon se judee byaaj dar adhik ho sakatee hai, aur Personal Loans ka kaaryakaal itana lamba nahin hota hai. Isalie, yadi aap ek badee raashi udhaar lete hain, to aapke lie apne vitt kee theek se yojana banae bina chukaana mushkil ho sakta hai. Jab aap chhotee raashi ka lon lena chaahate hain aur use jald se jald chukaana chaahate hain to Personal Loan bahut madadagaar saabit ho sakta hai.

Uchch aur sthir aay ke saath, ek achchha Credit Score sunishchit karta hai ki aapko personal loan ki manjuri milegi ya nahi. Personal Loan ka upayog nimnalikhit uddeshyon ke lie kiya ja sakta hai.

• Parivaar kee Shadi ke sabhee kharchon ka prabandhan ke liye.
• Chhutti ya antararaashtreey yaatra ka lie bhugataan ke liye.
• Apne ghar ke naveeneekaran kee pariyojana ko vittaposhit karne ke liye.
• Apne bachche kee uchch shiksha ka kharch vahan karne ke liye.
• Apne sabhee loans ko ek hee loan mein samekit karne ke liye.
• Anapekshit/Aniyojit/Atyaavashyak kharchon ko poora karne ke liye, aadi.

2. Small Business Loan

Small Business Loan aise loan hain jo vibhinn vyaavasaayik aavashyakataon ko poora karne ke lie chhote aur madhyam star ke vyavasaayon ko pradaan kie jaate hain. Is tarah ke loan ka upayog vibhinn uddeshyon ke lie kiya ja sakta hai jo vyavasaay ko badhaane mein madad karte hain. Inamen se kuch mein upakaran kee khareed, products khareedana, karmachaariyon ke vetan ka bhugataan, marketing vyay, vyaavasaayik loans ka bhugataan, prashaasanik kharchon ko poora karna, ya yahaan tak ​​ki ek naee shaakha kholne ya ek nayi franchise lena shaamil ho sakate hain.

Isse koee phark nahin padta ki aap ek navodit udyamee hain ya ek vyavasaayee vyakti jo apne vyavasaay ka vistaar karna chaahate hai. Aapkee sabhee aavashyakataon ke lie anukoolit samaadhaanon ke saath Small Business loan aapkee liye ek uchit vikalp ke roop mein samne aata hai. Small Business Loan ke laabhon mein shaamil hain:

• Sveekrt loan raashi 24 ghante ke bheetar aapke khaate mein keval nyoonatam dastaavejon ke saath jama kee jaegee jo aapko bina kisee deree ke sanchaalan shuroo karne mein saksham banata hai.
• Ek repayment tenure chunen jo 12-60 maheenon tak ki ho jo aapkee aavashyakataon ke lie sabase upayukt ho.

Small Business Loan ke lie paatrata sabhi rndaata kee alag alag hoti hai, lekin saamaany hain vyavasaay ke svaamee kee aayu, vyavasaay ke sanchaalan ke varshon kee sankhya, aayakar return, aur pichhale varsh ke kaarobaar ka vivaran jiska ek Chartered Accountant dvaara audit kiya gaya hai.

3 . Education Loan

Bank jarooratmand logon ko Education Loan bhee dete hain. Aarthik roop se kamajor chhaatron ko uchch shiksha praapt karne ke liye Bharat ke kisee bhee Bank se Education Loan mil skata hai. Ek baar jab unhe naukaree mil jaati hai, to unhen apne income se paise chukaane honge.

Pratishthit sansthaanon se uchch shiksha kee aakaanksha ne desh mein Education Loan kee maang ko badha diya hai. Yah loan paathyakram kee mool fees ke saath-saath aavaas, pareeksha shulk, aadi jaise sambaddh kharchon ko cover karta hai. Education loan mein, chhaatr mukhy udhaarakarta (main borrower) hota hai jabaki maata-pita, bhai-bahan aur pati-patnee sah-aavedak (co-applicants) hote hain.

Prabandhan, Engineering, aur Medical ke kshetr ke lie aasani se Education Loan liya ja sakta hai. Iss loan ka laabh Bharat ya videsh mein paathyakramon ke lie liya ja sakta hai. Ise vibhinn prakaar ke maanyata praapt paathyakramon ke lie liya ja sakta hai jo ya to part-time ya full-time hain.

4. Signature Loan

Signature Loan Unsecured Loan ka ek sabse saral prakaar hai. Jaisa ki naam se pata chalta hai, aapko yah loan praapt karne ke lie keval ek hastaakshar (signature) dena hoga. Ek udhaarakarta ke roop mein, aapka signature is loan ke lie ekamaatr security ke roop mein kaam karega, jisamen aap apne rnadaata ko poore loan ko samay par chukaane ka vaada karenge. Aap kisee Bank ya Gair Banking Vitteey Company (NBFC) se Signature Loan praapt kar sakte hain. Yah ek aisa loan hai jiska bhugtaan kishton mein kiya ja sakta hai jismen aapko maasik aadhaar par tab tak bhugtaan karna hoga jab tak ki loan pooree tarah se khatam nahin ho jaata, ya chuk nahin jata.

Signature Loan mukhy roop se vyakti par Bank ya rnadaata ke bharose par kaam karta hai. Ise kabhee-kabhee sadbhaavana loan (Goodwill Loan) ya Character Loan bhee kaha jaata hai. Choonki yah ek Unsecured loan prakar hai, isalie iski byaaj daren adhik hotee hain. Signature loan dene se pehle Bank ya rnadaata kuch prshthabhoomi kee jaanch karte hain. Ve mukhy roop se loan chukaane ke lie paryaapt aay ke saath, ek achchhe Credit History kee jaanch karte hain.

5. Marriage Loan

Shadi Bharat mein ek atyant mahatvapoorn din hota hai, islye aajkal shadi ke liye loan bhi milta hai. Ve kharchon kee ek lambee soochee ke saath aate hain. Ham sabhee is din ko bahut yaadagaar banaane ka sapana dekhte hain, aur aisa kuch bhee nahin hai jo ham is sapne ko poora karne ke lie nahin karenge. Is prakaar, kaee udhaaradaataon ne shaadee ke lie personal loan dena shuroo kar diya hai, jo hamaare vishesh din ko yaadagaar banaane mein hamaaree madad karte hain. Hone vaalee dulhan, doolhe ya parivaar ke kisee bhee sadasy dvaara loan liya ja sakta hai. Iss prakaar ke vyaktigat loan mein, loan raashi ko vyakti kee aavashyakataon ke anusaar anukoolit kiya ja sakta hai.

Aap apnee pooree shaadee ke lie funding, aur ise yaadagaar banaane ke lie term loan ka vikalp chun sakte hain. Yah bhee ho sakta hai ki aap vivaah ka kharch vahan karne kee anukool sthiti mein hon. Haalaanki, samay-samay par vividh, maamoolee kharche ho sakate hain jinke lie aapko apni pocket se paise dene pad sakte hain. Aise maamale mein, seemit ya alp kharchon ko sambhaalane ke lie ek Revolving Loan sabse achchha vikalp ho sakta hai.

6. Vacation/Travel Loan

Vacation Loan ya Travel Loan khaasataur par un logon ke lie banaaya gaya hai jo chhuttiyaan bitaana pasand karte hain. Iss tarah ke loan ko Travel Loan ya Vacation Loan kaha jaata hai, jisamen koee bhee duniya bhar mein kahin bhi ja sakta hai aur loan kee rashi se sabhi tavel kharche ka bhugataan karta hai. Is prakaar ke personal loan mein, security pradaan karane ke lie aksar yaatra beema (Travel Insurance) ka ek atirikt laabh hota hai. Ek upabhokta pooree yaatra ke lie Holiday Loan ka vikalp chun sakta hai. Aap bhojan, khareedaaree, ya gatividhiyon ke aavartee ya parivartanasheel kharchon ko poora karne ke lie revolving loan ka vikalp chun sakte hain.

UnSecured Loan Ki Vishestaen

1. Unsecured Loan mein aamataur par ek atyant aasaan aur suvidhaajanak application process hotee hai jisse unsecured loan ke liye apply karna bahut aasaan hota hai.
2. Is prakaar ke loan ka laabh uthaane ke lie graahakon ko loan dene vaale bank kee shaakha mein baar-baar jaane kee aavashyakata nahin hotee hai.
3. Unsecured loan ke liye online apply bhi kiya jaa sakta hai aur inaka laabh uthaana bahut aasaan hai.
4. Unsecured Loan application ko tejee se aur kabhee-kabhee 24 ghanton ke bheetar bhee sansaadhit kiya jaata hai. Yah ek aapaatakaaleen maudrik sankat ke samay unsecured loan ko ek atyant upayogee vitteey upakaran banaata hai.
5. Unsecured Loan anya niyamit loans kee tulana mein adhik byaaj dar par die jaate hain. In loans par byaaj dar loan aavedak kee maasik ya vaarshik aay par bhee nirbhar kartee hai.
6. Graahakon ko unsecured loan praapt karane ke lie loan dene vaale bank ko suraksha ke roop mein koee sampaarshvik jama karane kee aavashyakata nahin hai.
7. Yadi aap is prakaar ke loan ko chukaane mein viphal rahate hain to aapkee sampattiyaan aapke paas surakshit hain. Is anoothee visheshata ke kaaran, unsecured loan graahakon ke beech tejee se lokapriy ho rahe hain.
8. Aavedak kee aay jitanee adhik hogee, bank dvaara unsecured loan ke roop mein dee jaane vaalee loan raashi utanee hee adhik hogee. Iska matalab hai ki graahak apnee maasik ya vaarshik aay ke anupaat mein unsecured loan praapt kar sakta hai.
9. Unsecured Loan ke lie documents ki requirement bhi nyoonatam hai.
10. Adhikaansh rnadaata ab graahakon ko in dastaavejon ko online jama karane kee anumati dete hain, aur yah prakriya pooree tarah se kaagaj rahit ho gaee hai.

UnSecured Loan Ke Liye Eligibility Criteria in Hindi

UnSecured Loan ke lie apply karne ke lie aapko nimnalikhit aavashyakataon ko poora karana hoga.

1. Aavedak sthir naukaree mein hona chaahie. Ek graahak ko Unsecured Loan ke lie yogy banaane mein niyamit rojagaar record mahatvapoorn bhoomika nibhaata hai.
2. Yadi aap kahin job karte hain toh aapki 2 saal ki salary slip, aur yadi aapka khud ka koi kaam ya business hai to aapka pichale 5 saal ka earning proof.
3. Aavedak kee aayu vetanabhogee (salaried) udhaarakartaon ke lie 21 varsh se adhik aur 60 varsh se kam, aur sv-niyojit ya self-employed vyaktiyon ke lie 25 se 65 varsh ke beech honee chaahie.
4. Vartamaan vitteey vivaran (Current Financial Statement) loan paatrata nirdhaarit karne mein mahatvapoorn bhoomika nibhaate hain, isalie, loan application process ke dauraan pradaan kiya jaana chaahie.
5. Graahakon ke Credit History ko bhee dhyaan mein rakha jaata hai aur paatrata, byaaj dar, aur loan raashi ka nirdhaaran karane mein mahatvapoorn bhoomika nibhaata hai.
6. Aapkee loan raashi paatrata nirdhaarit karane ke lie anya loans se lambit EMI ko bhee rnadaata bank dvaara dhyaan mein rakha jaata hai.

UnSecured Loan Ke Liye Documents in Hindi

Aapko ek unsecured loan lene ke liye rnadaata ya bank ko kuch documents jama karane honge, taaki ve aapkee pahachaan, pata aur anya vivaran sthaapit kar saken. Unsecured loan lene ke liye kisi job karne vaale vyakti (salaried) aur khud se kama rahe vyakti (self-employed) ke liye alag-alag documents ki aavashykta hoti hai jiske baare mein hamne niche bataya hai.

Vetanabhogee (Salaried) Aavedakon ke lie Required Documents:

1. Sahi tarike se bhara gaya Loan Application Form.
2. Loan lene vaale ke do passport size photograph.
3. Pahachaan Pramaan ke liye kisi bhi tarah ka identity proof jaise PAN Card, Aadhar Card, Voter ID Card, aadi.
4. Nivaas ke pramaan ke liye electricity bill, telephone bill, passport, aadi.
5. Pichhale 3 ya pichhale 6 maheenon kee salary slip.

Sway-Vyavasaayee (Self-Employed) Aavedakon ke lie Required Documents:

1. Sway-niyojit vyaktiyon ke lie unke office ka address proof.
2. Vyavasaay kee nirantarata ka pramaan.
3. Sahi tarike se bhara gaya Loan Application Form.
4. Loan lene vaale ke do passport size photograph.
5. Pahachaan Pramaan ke liye kisi bhi tarah ka identity proof jaise PAN Card, Aadhar Card, Voter ID Card, aadi.
6. Nivaas ke pramaan ke liye electricity bill, telephone bill, passport, aadi.

UnSecured Loan Ke Liye Apply Kaise Kare

Unsecured loan ke liye apply karne ka process bahut hee simple hai. Hamne unsecured loan ke liye apply karne ke teen tarikon ka niche jikr kiya hai jinme se kisi bhi tarike ka upyog karke aap Unsecured loan ke liye apply kar sakte hain.

1. Bank/Office: Yadi aap loan kisi bank se le rahe hain to aapko apne bank ke kisi bhi shakha mein jana hoga, aur yadi aap bank kisi anya rndaata se le rahe hain to aap unke office ja sakate hain aur loan ke liye apply kar sakate hain.

2. Online Loan Ke Liye Apply: Lagabhag sabhee sheersh rnadaata ab apnee website ke maadhyam se apnee sevaen pradaan karate hain. Aap kisi bhi bank kee aadhikaarik website par ja sakte hain aur online loan ke liye apply kar sakte hain.

UnSecured Loan Approval Tips

Ek bank ya koi anya rndaata aapko loan dene ka nirnay lene se pahale kuchh pramukh pahaluon ka aakalan karega aur jisamen aapkee aay yaani income, Credit History, aapki naukari, aadi shaamil hain.

1. Aapke loan chukaane kee kshamata ko samajhane ke lie aapka rnadaata aapke pichhale kredit vyavahaar par ek nazar daalega. Ve yah sunishchit karna pasand karte hain ki unke udhaarakarta vitteey roop se anushaasit hon taaki ve kushalataapoorvak loan chuka saken.
2. Uchch Credit Score ke saath, aapke paas unsecured loan approve hone kee adhik sambhaavana hoti hai.
3. Rnadaata aamataur par yah jaanane ke lie aapkee aay kee jaanch karte hain ki kya aap aasaanee se loan chukaane mein saksham honge.
4. Kaee udhaaradaataon ne yah sunishchit karne ke lie nyoonatam aay maanadand nirdhaarit kiya hai ki kam aay vaale vyakti loan ke lie apply na kar saken.
5. Aapko apne aay vivaran ko satyaapit karne ke lie naveenatam bhugataan parchee (latest salary slip), prastaav patr, aayakar return, aur apne bank account details jaise documents pradaan karne ke lie kaha jaega.
6. Aapke rnadaata ko yah jaanane mein dilachaspee hogee ki aap vetanabhogee karmachaaree (salaried worker) hain ya sv-niyojit (self-employed) aavedak hain.
7. Ve yah bhee jaanana chaahenge ki kya aapke paas maasik aadhaar par aay ka ek sthir srot hai. Yadi aap ek vetanabhogee aavedak hain, to aapko apnee naukaree kee sthiti ko satyaapit karne ke lie apne vartamaan sangathan se apna prastaav patr, apnee pichhalee company se relieving patr, vetan parchee, aadi pradaan karanee hogee.
8. Yadi aap ek sv-niyojit vyakti hain, to sabase adhik sambhaavana hai ki aapase vyavasaay kee nirantarata ka pramaan, aur vyavasaay ke svaamitv ka pramaan dikhaane ke lie kaha jaega.

Loan Ke Liye Apply Kaise Kare

Loan ke Liye Apply Kaise Kare, yah sawaal aksar logon dvaara pucha jata hai. Loan ke liye Apply karna koee jatil prakriya nahin hai. Bharat mein, vibhinn prakaar ke loan ke lyie document alag-alag ho sakte hain. Hamne niche loan ke liye apply karne ke 4 sabse samanaya charnon ke baare mein charcha ki hai.

Step 1. Rn Aavedan Patr ya Loan Application Form: Aapko bank se jis prakaar ke loan kee aavashyakata hai, uske lie aapko aavedan patr ya Loan Application Form bharna hoga. Aapko yah sunishchit karne kee aavashyakata hai ki Loan Application Form par likhee gaee sabhee jaanakaaree vaastavik aur sahee hai.

Step 2. Cibil Score Check: Bank aapke Credit Card ke score kee ganana karne ke lie aapke Cibil kee jaanch karata hai. Cibil aapke dvaara laagoo kie ja rahe vartamaan loan ke alaava aapke dvaara chukae jaane vaale anya loan ke record rakhta hai. Yadi aapka Credit Score adhik hai, to aapka loan aavedan aasaanee se sveekrt ho jaata hai.

Step 3. Loan Ke Liye Documents Jama Karana: Udhaarakarta ko apne loan application form ke poorak ke lie anya documents kee ek shrrnkhala prastut karne kee aavashyakata hotee hai. Loan application form ke saath pahachaan pramaan (identity proof), aay pramaan (income proof), aur any pramaan patr jaise documents jama karane honge.

• Aayu 18+ Honi Chaiye
• Passport Size Photographs
• Identity Proof (Passport, Driving License, Voters ID, PAN card me se koi bhi)
• Bank Account Details
• Address Proof (Bijli Ka Bill, Passport, etc.)
• 3 – 6 Maheene Kee Salary Slip
• Income Proof

Step 4. Loan Approval: Ek baar jab aap sabhee loan ke liye documents ke saath loan application form jama kar dete hain, to bank aapke dvaara pradaan kie gae sabhee vivaranon kee pushti karata hai. Ek baar satyaapan poora ho jaane aur parinaam santoshajanak hone ke baad bank aapke loan application ko manjooree de deta hai.

Loan Lene Se Pehle Kin Baaton Ka Dhyan Rakhna Chaiye

Loan lene se pehle, aapko yah vichaar karna hoga ki kya yah aapke lie sahee baat hai. Paise udhaar lena ek badee jimmedaaree hai, aur aapko yah sunishchit karne kee zaroorat hai ki aap pooree raashi aur byaaj ya koee anya vitteey shulk chukaane mein saksham honge.

Yadi, kisee kaaran se, aap loan ka bhugataan karne mein asamarth hain (ya yadi aap ise vaapas bhugataan karane mein saksham hain lekin sahamat samay avadhi ke bheetar nahin) to aap dand (penalty) ka saamana karane ka jokhim uthaate hain, aur yah aapke liye achcha nahi hoga. Ye penalty uchch byaaj daron se lekar, rndata dvaara aapkee sampatti par kabja karne tak ho sakta hai.

Is stithi tak pahunchane se bachane ke lie, aapko yah sunishchit karne kee zaroorat hai ki aap har maheene sateek dey tithi par aavashyak punarbhugataan karne mein saksham hain ya nahin. Loan ke liye apply karne se pehle dhyaan dene yogy kuch cheejen hain jin par aapko pehle gaur karna chaahie.

1. Credit Score aur Credit History

Yadi kisee vyakti ka Credit Score aur Credit History achchha hai, to yah rnadaata ko dikhaata hai ki vah samay par punarbhugataan karane mein saksham hai. Isalie, Credit Score jitna adhik hoga, vyakti ko loan milne kee sambhaavana utanee hee adhik hogee. Ek achchhe Credit Score ke saath ek vyakti ke paas anukool sharten praapt karne ka ek behatar mauka bhee hota hai.

2. Aay (Income)

Kisee bhee prakaar ke loan ke lie apply karne se pehle, ek anya pahaloo jiska moolyaankan vyakti ko karna chaahie vah hai usakee aay ya income. Ek karmachaaree ke lie, unka vetan patr, aur unki naukree se sambandhit anya documents jama karana hoga. Haalaanki, yadi aavedak sv-niyojit (self-employed) hai, to use pichhale do ya adhik varshon ke lie apna Tax Return aur jahaan laagoo ho, bills jama karane honge.

3. Maasik Daayitv (Kharche)

Unakee income ke alaava, yah bhee mahatvapoorn hai ki ek loan aavedak apne maasik daayitvon ka moolyaankan kare. Udaaharan ke lie, ek vyakti ko ₹50,000 kee maasik aay praapt ho sakatee hai, lekin unki maasik daayitv hee ₹45,000 hai toh iss stithi mein rnadaata aise logon ko rn dene ko taiyaar nahin ho sakate hain. Yah bataata hai ki kyon adhikaansh rndaata aavedakon se apne sabhee maasik kharchon jaise kiraaya aur upayogita bilon ko soocheebaddh karne ke lie kahate hain.

Samapan

Loan ek vah raashi hai jo ek vyakti, ya company ek rnadaata se udhaar letee hai. Ise do mukhy shreniyon mein vargeekrt kiya ja sakta hai, Secured Loan aur Unsecured Loan. Haalaanki, aap chaahe kisi bhee loan ke liye apply karna chaahen, kuchh cheejen hain jinka aapko dhyaan rakhna chaahie, jaise ki aapki aay, credit history, aur kya aap loan samay par chukaane mein saksham hain.

Vibhinn udhaaradaataon aur bank dvaara vibhinn prakaar ke loan kee peshakash kee jaatee hai. Yah bahut aakarshak lag sakta hai, lekin samay par raashi chukaane ka dhyaan rakhen. Aisa karne mein viphal rahane par anaavashyak jurmaana aur shulk lagega, jisase loan kee kul laagat aur jyada badh jaegee.