Secured loan, yaani surakshit karz, ek prakar ka vittiya upay hai jisme aap kisi aset ko (jaise ki property ya vehicle) surakshit (collateral) roop se rakhkar ek loan lete hain. Is prakar ke karz mein aapka aset bank ya vittiya sanstha ki suraksha ke roop mein hota hai, aur is prakar, ve loan dene mein adhik sahyog karte hain.
Secured loan lene ke liye aapko ek collateral dena padta hai, jo loan provider dwara surakshit kiya jata hai. Collateral ki kimat aapke liye liye gaye loan ki rakam ke aas-paas hoti hai. Agar aap loan ke chukane mein asafal ho jaate hain, to loan provider aset ko bechkar apna paisa wapas le sakta hai.
Home loan ek pramukh tarah ka secured loan hai jisme aap apni ghar ki property ko collateral ke roop mein rakhkar loan le sakte hain. Is prakar ke loan ka upayog ghar kharidne ya ghar ki nirmaan ke liye hota hai.
Car loan mein aap apni gaadi ko collateral ke roop mein rakhkar loan le sakte hain. Agar aap loan ki anudan par asafal ho jaate hain, to loan provider aapki gaadi ko le sakta hai.
Loan against property mein aap apni property ko collateral ke roop mein rakhkar loan le sakte hain. Is prakar ke loan ko vyavsayik ya vyaktigat maqsadon ke liye istemal kiya ja sakta hai.
Kam Byaj Dar (Low-Interest Rates): Surakshit loan par byaj dar aksar kam hoti hai kyunki collateral ki presence mein risk loan provider ke liye kam hota hai.
Lambi Mudra (Longer Tenure): Aap secured loan ko lambi muddat tak chuk sakte hain, jisse EMI (Equated Monthly Installments) kam ho jati hai.
Bade Loan Amount Ki Suvidha (Higher Loan Amounts): Collateral ki kimat ke aadhar par, aap bade loan amount ke liye eligible ho sakte hain.
Secured loan ek pramukh tarah ka vittiya upay hai jo aapko bade loan amount ke liye sujhav diya ja sakta hai. Lekin, dhyan rahe ki collateral ko kho dene ka khatra hota hai, aur aapko EMI samay par bharna hoga. Surakshit loan ke sath-sath aapko aapki vittiya sthiti ko bhi dhyan mein rakhna hoga.
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