Types Of Bank Loans In India : लोन कितने प्रकार के होते है – Bank Se Loan Kaise Le

kisee cheej ko khareedane ke lie kisee jarooree kaam ko karane ke lie bizanes ko badaane ke lie kisee parsanal kaam ke lie Bank ya kisee phainens kampanee se lee jaane vaalee madat ko hee loan ya karja kaha jaata hai | jisake badale mein kastamar Bank ko aimi ke roop mein byaaj ke saath loan ka poora amaunt vaapas kar dete hai to doston mein hu sumit duhan aur aaj ham is blog post mein baat karane vaale hai kee India mein Bank kitanee tarah ke loan dete hai to chaleee shuroo karate hai |

samay ke hisaab se loan teen prakaar ke hote hai

१.) शार्ट टर्म लोन : इसका समय एक साल से कम का होता है |

२.) मिडिम टर्म लोन : इसका समय एक साल से तीन साल के बीच का होता है

३.) लॉन्ग टर्म लोन : इसका समय पांच साल से ज़्यादा का होता है |

इंडिया में बैंक कितने तरह के Loan देते है

१.) Personal Loan:

Personal loan ka matalab hota hai, khud ke lie liya gaya loan vaise to loan sab khud ke lie hee lete hai, lekin Personal loan ka matalab hota hai apane Personal kaamon ke loan lena jaise kee bachcho kee skool phees denee ho kisee ka ilaaj karaana ho kisee ko mahagee gipht denee ho ya phir ghar ka koee saamaan khareedana ho, Personal loan ke lie har Bank apanee – apanee byaaj dar tah hotee hai, jaise : aaj ke tareek mein Personal loan ke lie sbi 12.50% se 16.60% tak saal baar ka byaaj leta hai to vahee par hdfch Bank 10.99% se 20.75% saal bhar ka byaaj leta hai | ye bhee jaan lena jaruree hai ke Personal loan byaaj dar dusare loan ke mukaabale zyaada hotee hai, vaise Bank aapako Personal loan dete samay adik dastaavej nahin maangate hai, bas aapakee kamaee dekhate hai aur loan aapako de dete hai | Personal loan aapako 5 saal tak ke lie mil sakata hai | dusara hota hai gold loan.

२. ) Gold Loan:

Gold loan Bank mein gold rakhane ke badale mein kaish lene vaala proses hota hai, aapako gold Bank ke lokar mein rakhana padata hai, is tarah ke loan aapako jama kiye gae gold kee keemat mein milate hai, Bank aapako gold ke keemat ke 80% tak keloan de dete hai, gold loan aamataur par emerjensee mein hee lete hai, is loan par liya jaane byaaj dar Personal loan kee tulana mein kaaphee kam hota hai | aaj kee taareekh mein sbi Bank gold loan par 11.15% saal bhar ka byaaj le raha hai, jabakee hdfch Bank gold loan par 10% saal bhar ka byaaj leta hai | teesara hota hai loan against saichuritiais

३.) Loan Against Securities:

Isamen Bank aapake sekyurtee pepar ko rakh kar ke loan deta hai | magar salaav ye aata hai ke sekyurtee pepar kya hota hai agar aapane dimaand sheyar ya aur kisee mein pahale se he invest kiya hua hai vahee aapake sekyurtees pepar hote hai jisake badale mein Bank aapako loan de deta hai | 4 loan hota hai propairty loan

४.) Property Loan:

Property loan vo loan hai jo Bank aapakee propartee ke kaagaat garvi rakh kar deta hai, ye aapako 15 saal tak ke lie mil sakata hai, aamataur par jo propartee ke kimat usaka 40 se 70% tak loan mil jaata hai | paanchava loan hota hai homai loan

५.) Home Loan:

ghar khareedane ke lie jo loan liya jaata hai vo homai loan hota hai aap sirph ghar banaane ke lie hee loan nahin lete hai, aap ghar banaane kee keemat ko jod kar ke Bank se loan se sakate hai | Bank aapakee kul keemat ka 75% se 85% tak laon de sakatee hai | homai loan ka samay 5 saal se lekar 20 saal tak ka hata hai | chhatha hota hai Education loan

६.) Education Loan:

Education loan unhee stoodents ko deta hai jo ise samay par bhar paaye ga | padhaee khatm hone ke baad stoodents is loan ko bhar sakate hai | aaj kee taareekh mein sbi Bank Education loan sbi 7.50 laakh se oopar ke loan ke lie 10.70% aur 7.50 tak ke loan ke lie 9.95% byaaj chaarj kar raha hai | saatava loan hota hai char loan

७.) Car Loan:

Bank akshar kaar lene ke lie tarah – tarah ke ophar dete rahate hai | ye loan baaki sabhee loan ke tarah hee ek samay ke lie diya jaata hai |

to doston aaj aapane jaana Bank India mein kitane tarah ke loan dete hai, agar aapako ye post pasad aaee to ise laik kare apane doston ke saath sheyar kare aapaka keematee samay dene ke lie dil se dhyavaad |

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