Introduction
Aaj ke fast-paced life me jab bhi
urgent paiso ki zarurat hoti hai – shaadi ho, medical emergency ya koi bada
kharcha – log sabse pehle personal loan lene ka soch te hain. Lekin bina
soch-samajh ke loan lena aapke financial health ko nuksaan bhi pahucha sakta
hai. Aaj hum jaanenge woh 7 zaruri baatein jo har kisi ko personal loan
lene se pehle samajhni chahiye.
1.
CIBIL Score ka hona zaruri hai (Keyword: CIBIL score for personal loan)
Personal loan lene ke liye aapka CIBIL
score 750 ya usse upar hona chahiye. Jitna achha score hoga, utni hi kam
interest rate me loan milega. Agar score low hai, toh loan reject bhi ho sakta
hai ya zyada interest dena padega. Toh ye baat dhyan me rakhe ki aapka CIBIL
Score Kam se kam 750 hona chahiye. Is se niche nahi. Agar CIBIL score 750 se
niche hai to kuchh tips hai mere pichle blog me kahi hai use ek baar pad le. Kuchh important Tips CIBIL Improve karne ke liye
Long-tail keyword: personal loan lene ke liye minimum
CIBIL score kitna hona chahiye
2. Loan ke terms & conditions dhyan se padho: (Keyword: personal loan terms and conditions)
Bahut log bina terms padhe agreement
sign kar dete hain.jo ki aage chalk e nuksan de sakta hai. Isme processing
fees, prepayment charges, aur hidden charges ho sakte hain. Har line dhyan se
padho aur doubts clear karo. Kabhi kabhi ye bhi hota hai ki aapne loan le liya
jab aap ke paisa aa gaye aur aap ye sochte hai ki loan close kar dena hai to
bank foreclose charges bhi vasool kar sakti hai, isliye bina jaldi kiye aaram se
agreement padh le, aur bank se confirm bhi kare ki agar mere paas paisa aata
hai aur me loan close karvata hu to mujhe extra koi charges nahi lagna chahiye.
3.
Interest Rate ka comparison karo: (Keyword: best interest rate personal loan
India)
Har bank aur NBFC ka interest rate
alag hota hai. Compare karo HDFC, ICICI, SBI, Kotak, Axis, Bajaj Finance
jaise lenders ka rate — aur choose karo jo sasta ho. Zyadatar cases me minium interest rate 9% se 11% ke aspaas hota hai, lekin kabhi kabhi 16% ya 21% us se
zyada bhi ho sakta hai, aur private application se loan kabhi mat lena. Kyoki usme
Rate of interest bahot zyada hota. (me samjta hu ki haalat aise ban jate hai ki
High interest pe bhi loan lena padta hai lekin private application aur online
loan ko avoid karo).
Mid-tail keyword: lowest interest rate personal loan in
India 2025
4.
Repayment capacity ka andaza lagao: (Keyword: EMI calculator personal loan)
5. Fake loan apps se bacho: (Keyword: fake personal loan apps warning)
Aaj kal Play Store par kai fraud loan apps active hain jo data chura ke logon ko pareshan karte hain. Sirf RBI registered banks ya NBFCs se hi loan lo. Ab aap kaise pata lagayege ki Bank/NBFC RBI ke under Register hi hai. Aap RBI we website par chaake check kr sakte ho. RBI ki website pr check karen.
6. Loan duration samjho: (Keyword: personal loan tenure)
Personal loan 12 mahine se lekar 60
mahine tak milta hai. Zyada duration se EMI kam hoti hai lekin total interest
zyada padta hai. Apne income ke hisab se best tenure choose karo. Pehle aap
apni salary ke hisab se tenure set karo aur 1 saal ya 2 saal baad aapki salary
ya earning badhti hai to aap bank se repayment schedule change karne ke liye
request kr sakte ho. Agar koi bank aisa karne se mana karta hai toh aap RBI me
complaint kr sakte hai. Aur aap kisi aur bank me transfer bhi kr sakte hai. Aur
ek baat aap extra amount bhi loan me bhar sakte hai, lekin agreement padhte
samay ye close jarur check kr lena ki extra amount bharne se koi charges to
nahi lagega na. kabhi kabhi bank charge leti hai. Toh ye chiz check karna bhi
jaruri hai.
7.
Existing Loan ka impact samjho: (Keyword: multiple loans effect on CIBIL)
Agar pehle se koi loan ya credit
card outstanding hai, toh naya loan lene se aapki CIBIL report aur
repayment capacity pe effect pad sakta hai. Pehle old loans repay karo aue uske
baad koi dusra loan apply karo. Yaa aa paisa bhi kr sakte hai ki loan ki amount
badha sakte hai.
For example : aapne 1 lakh ka loan
liya aur aapne 30,000 ka repayment kar diya hai, aapki salary bhi badh gai hai
to aap extra amount leke baaki ka principle amount yaani 70,000 bhar ke naya
loan sanction karva sakte ho. But ek baat aur dhyan me rakhna jaisa pehle mene
kaha ki aapki earning ya salary ka 20% se zyada EMI kabhi mat hone dena. Ek baat
chhoti si lagti hai lekin future me bahot crises create kar sakti hai.
agar zyada credit card aur Loans chal rahe hai to interest rate zyada lag sakta hai aur loan reject bhi ho sakta hai. try karo ki be vajah loan aur credit card use na ho.
Bonus
Section: Personal Loan lene se pehle yeh galtiya bilkul mat karo
- Bina compare kiye loan lena jaise hum sabzi ke daam ke
liye barguning karte hai matlab 3-4 jagah rate check karvayen.
- Sirf EMI dekh kar loan lena, interest rate nahi dekhna
: aapko bata bhi nahi chalega ki aap kitna zyada interest bank ko pay kar
rahe ho. 0.5% per year ya 0.1% bhi ROI ka different bahot effect karega.
- Fake apps se loan lena kabhi mat lena, aapke documents
se koi aur loan lega aur repay nahi karega to aapka CIBIL Kharab ho sakta
hai (Saal me 3-4 baar apna CIBIL jarur check karo koi extra loan chal to
nahi raha jo aapne na liya ho.)
- Repayment plan karen, kyoki CIBIL aur Legal cases se
bachne ke liye plan karna jaruri hai. Aur us hisab se hi apna kharch ka
budget bhi set karo.
Agar
CIBIL score achha nahi hoga toh kya dikkat aayegi?
Agar aapka CIBIL score 650 se kam
hai toh:
- Personal loan reject ho sakta hai
- Zyada interest dena padega
- Credit card limit kam ho sakti hai
- Home loan, car loan lene me dikkat aayegi
- Kai baar job applications me bhi background check me
score dekha jata hai
Isliye CIBIL score maintain karna
long-term financial health ke liye zaruri hai.
maine apne pichhle article me CIBIL score kaise maintan karna aue kaise imroove karna hai detail me jankari di hai. pur article padhne ke liye Click karen.
aasha karta hu ki aapko mera ye article pasand aya hoga. aap apne sujhav ya problems comment me likh sakte hai, me hamesh apna best dene ka tya karuga.aur aap mujhe mail bhi kar sakte hai. jai hind.
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