Jab bhi aap personal loan ke liye apply karte hain, lenders aapke credit score ko check karte hain taki aapki creditworthiness ka andaaza lagaya ja sake. Credit scores, jaise ki academic marks, aapki credit history ka ek saaransh hai; aur jitna score uncha hoga, utna behtar hoga. India mein, CIBIL score ek aam credit score hai jo ek borrower ki credit history ka saaransh dene ke liye istemaal hota hai. Personal loan ke liye eligible hone ke liye, lenders ko ek minimum CIBIL score ki requirement hoti hai. Is article mein, hum CIBIL scores ki mahatvata ko samjhayenge jaise ki ye personal loans ke sambandh mein hota hai.
CIBIL score ko kaise measure kiya jata hai?
CIBIL score 0-900 scale par measure kiya jata hai. 750 aur usse upar ka score excellent mana jata hai, jabki 600-750 ke beech ke scores fair hote hain. 600 se kam score ko ek bura CIBIL score maana jata hai. CIBIL score ko measure karne mein kai alag factors hote hain. Kuchh is tarah ke parameters hote hain jinmein ek borrower ke dwara ek diye gaye mahine mein credit card aur loan applications, card par udhaar liye gaye ya kharch ki gayi rashi, aur borrower ke repayments habits shaamil hote hain.
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Udaharan ke liye, agar aap ek lender se Rs. 20,000 ka loan lete hain aur uska samay par payment nahi karte ya bilkul hi chukta nahi karte, toh ye aapke CIBIL score par ek negative prabhaav dalta hai aur score kam ho jata hai. Dusri taraf, agar aap consistent tarike se apne EMI payments ko samay par karte hain, toh ye aapke credit history mein record ho jata hai aur aapka credit score badh jaata hai. Kyunki credit ya CIBIL scores lenders ke liye ek vyakti ke financial habits aur creditworthiness ka sanket hai, isliye aapke CIBIL score par nirbhar karti hai aapki formal credit access (khaas karke ghar loan aur vehicle loan) ki suvidha. Ek ucha credit score aapko bade loan amounts ke liye eligible banata hai, saath hi akarshak interest rates aur repayment tenures ke liye bhi.
Kuch logon ke CIBIL score kam hone ke kuch kaaran hote hain kyunki unhein apni financial management mein dikkat hoti hai. Kuch log jinke paas achhi salary hoti hai, ek affordable loan amount lete hain phir bhi unhein apni EMIs samay par pay nahi kar paate kyunki unke paas bahut saare outstanding debts hote hain, bahut kharch karte hain, aadi. Dusre log jo loan ki kishten chukane mein pareshani hoti hai, wo isliye hota hai kyunki unke liye unki EMIs unke monthly budget par bahut bhari pad jaati hain. Agar aapke paas ek anjaan financial emergency aati hai aur aapko turant funds ki zaroorat hoti hai, toh iss samasya ko solve karne ke liye loan lena sahi hai. Lekin sabse mahatvapurn baat jo dhyaan mein rakhni chahiye, wo hai aapki mahine ki EMI rashi aur kya aap use aasani se chukta kar sakte hain.
Kis CIBIL Score ki Zaroorat Hoti Hai Personal Loan Approve Karwane Ke Liye?
Lenders ko ye zaroori hai ki borrower unki loan application ko maan le sirf tab jab unke paas paise vapas karne ki financial capacity ho. CIBIL scores unke default risk ko assess karne mein madad karte hain. Ek ucha score yeh dikhata hai ki aapne credit card payments aur EMIs ko samay par chukta kiya hai, jabki ek kam score iska ulta dikhata hai; iska matlab hai ki aapke loan ko chukta karne ki ability kam hai, aur aapko loan par default karne ki zyada sambhavna hai.
Agar mere paas ek CIBIL score nahi hai toh kya hoga?
CIBIL score ek tarah se aapki credit history ka report card hota hai. Ye aapke credit itihaas, liye gaye credit ke prakar, repayments vyavhaar, aur anya aise factors par calculation hota hai. Ek lamba credit itihaas hone se lenders ko borrower ko loan dene ke liye ek behtar faisla lene mein aasani hoti hai. Lekin kai borrowers ke paas pehle se credit history nahi hoti, jiski wajah se unko yeh sawal hota hai ki kya unko loan ke liye eligible kiya jayega. Agar aapke paas credit history nahi hai, toh achhi khabar hai ki aap loan ke liye eligible honge! Aise mein, lenders borrower ke age, income, financial stability, aur job stability ko assess karenge.
CIBIL score ke bina loan kaise prapt karen?
Jab aapke paas CIBIL score hota hai, toh aapko personal loans aur credit cards jaise credit products ko prapt karne mein aasani hoti hai. Lekin agar aapko turant funds ki zaroorat hai, toh kuch tarike hain jisse aapko CIBIL score ke bina loan mil sakta hai. Aapke lender ka ek mukhya cheez hai aapki income aur spending habits ko check karna. Agar aapke paas CIBIL score nahi hai lekin aapki income modest hai, toh aapke loan approval ke chances zyada hote hain jab tak aap apni income aur spending par ek samajhdaari se nazar rakhte hain. Isi tarah, jitni zyada waqt tak aap ek particular employer ke saath kaam karte hain, utni zyada job stability dikhti hai aur aapki stable source of income dikhayi deti hai. Isse lenders ko ek aadmi ka loan offer karne mein zyada ruchi hoti hai agar kam se kam 6 mahine tak ek hi employer se regular, stable income ho.
CIBIL score ke bina credit history ke liye ek aur vikalp hai, jisme aap secured credit card ke liye apply kar sakte hain jo ek fixed deposit ke against borrower ke dwara jaari kiya jata hai. Ye card ek regular credit card ki tarah istemaal kiya ja sakta hai. Samay par bills bharkar aap apne CIBIL score ko badha sakte hain. Kuchh companies bank ke saath collaboration karke apne employees ke liye credit card issue karti hain. Aapke company ke saath bank ka relationship ho toh aapko credit card ke liye approve hone ke chances zyada hote hain. Credit card ko sahi tarike se istemaal karke bills samay par bharkar aap apne CIBIL score ko badha sakte hain.
Ant mein
Lenders ek borrower ki loan application ko check karte waqt kai alag cheezein dekhte hain. Agar aapke paas CIBIL score nahi hai, toh aapko kisi bhi lender se loan mil sakta hai, yeh uss lender par nirbhar karta hai jisse aap apply karte hain. Lekin ek CIBIL score - khaas taur par ek ucha score - ek borrower ke loan application form par bahut mahatvapurn hai. Apne credit score ko badhane ke liye shuruaat kijiye responsible spending ke through ek credit card par, aur apni EMIs ko samay par pay karke apne score ko ucha kijiye.
