Term loan, jo aksar sirf “term” ya “karz” ke roop mein jaana jaata hai, ek prakar ka vittiya upay hai jahan par ek vyakti ya sanstha kisi bank ya anya vittiya sanstha se ek muddat (term) ke liye paisa udhaar leti hai. Yeh ek aam aur mahatvapurna prakar ka vittiya samadhan hai jo vyaktigat, vyavsayik, ya anya vittiya maqsadon ke liye istemal hota hai. Is article mein, hum aapko term loan ke baare mein vistaar se samjhayenge.
Term Loan Kya Hai?
Term loan ek aisa prakar ka karz hota hai jisme ek vyakti ya sanstha ek vittiya sanstha se paisa udhaar leti hai aur us mudde ke liye ek samjhaute ke tahat us mudra ko wapas karne ka samjhota karti hai. Is mudra ke pradan kiye jaane ke badle, udhaar lene wale vyakti ya sanstha ko us mudra ko ek nirdharit avadhi (term) tak wapas karna hota hai, saath hi us par byaj (interest) bhi dena hota hai, jo udhaar dene wale sanstha dvara tay kiya jata hai.
Vyaktigat loan, jo personal loan bhi kehlata hai, ek vyakti dvara ek bank ya vittiya sanstha se liya gaya loan hota hai. Is prakar ke loan ko aksar vyaktigat maqsadon ke liye liya jata hai, jaise medical emergency, vacation, ya shaadi.
Home loan, jo ghar loan kehlata hai, ghar kharidne ya ghar banwane ke liye liya jata hai. Is loan par byaj dar aksar kam hoti hai, kyun ki yeh lambe samay tak chalti hai.
Vyavsayik loan vyavsayik maqsadon ke liye liya jata hai, jaise vyapar ki shuruaat, vyavsay ki vruddhi, ya naye projects ke liye vittiy sahayata.
Education loan vidyarthiyon ke liye hota hai, jo apni padhayi ke liye paisa udhaar lete hain. Is loan par byaj dar aksar kam hoti hai, aur vyakti ko padhayi ke liye sahayata pradan ki jaati hai.
Term Loan Ke Labh
Avaaz Loan Ke Liye: Term loan vyakti ko unke zaroorat ke liye turant paisa pradan kar sakta hai.Vittiya Vikas: Vyavsayik loan vyavsay ki vikas ke liye madadgar ho sakta hai, aur home loan ghar kharidne ki ichha ko pura kar sakta hai.
Sulabh Byaj Dar: Vyaktigat loanon mein byaj dar aksar dusre prakar ke loans se kam hoti hai, jisse vyakti ko kam byaj par loan milta hai.
Loan Provider Chunna: Sabse pehle, aapko ek loan provider (bank, vittiya sanstha, ya vyakti) ko chunna hoga.Aavedan Karein: Loan provider ke diye gaye application form ko bhar kar, aapko loan ke liye aavedan karna hoga. Ismein aapko apni vittiya sthiti aur udhaar ke maqsad ke baare mein jaankari deni hoti hai.
Loan Ki Manzoori: Aapke application aur dastavejon ko review karne ke baad, loan provider aapko loan ki manzoori dega.Loan Wapas Karo (Repayment): Aapko loan wapas karne ki sharten, jaise byaj dar aur EMI (Equated Monthly Installment), loan provider ke saath tay ki jati hai.
Term loan ek mahatvapurna vittiya upay ho sakta hai, lekin dhyan rahe ki aapko loan lene se pehle saari sharten aur byaj dar ko samajhna zaruri hai. Term loan ko samjhte hue aur savdhani baratkar, aap apne vittiya lakshyon ko haasil kar sakte hain aur aage badh sakte hain.
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