Top Up Loan kya hai?
Top Up Loan ek tarah ka loan hai jo paise udhaar dene wale se liya jata hai aur yeh loan utna adhik hota hai jitna pehle se liye gaye mukhya loan (jaise personal loan, home loan, education loan, etc.) ki maang ki gayi raashi se. Top Up Personal Loan ke liye apply karne ke liye, vyakti ko pehle se udhaar dene wale ke saath rishta hona chahiye. Iske alawa, vyakti ko pehle se liye gaye loan ki ek nishchit avdhi ke baad hi top up personal loan ke liye apply karne ki anumati milti hai. Agar borrower ke vartaman lender top up loan nahi deta hai, to borrower ko doosre lender ya bank mein apna loan transfer karne ka option hota hai, jahaan se unhe top up loan ke liye apply kar sakte hain.
Top Up Loan, personal loan se behtar hai kyunki customer ke paas pehle se lender ke saath rishta hota hai; isliye application process bahut aasaan hoti hai aur kam dastavez ki zarurat hoti hai. Iske alawa, yeh loan kam byaaj dar ke saath aata hai aur kam processing fees ke saath hota hai. Isliye, top-up loans un vyaktiyon ke liye behtar hote hain jo pehle se kisi loan ki bhugtan kar rahe hain, personal loan lena tulna mein.
Top-Up Loan ke liye aavedan karne ke kuch khaas karan hain. Niche kuch aise karan diye gaye hain jinse aap top up loan ke liye aavedan karna consider kar sakte hain:
Pehle se liye gaye loan ke saath samarthan: Aapne pehle se kisi particular tarah ka loan liya hai toh aap top up loan ko ek upakaran ke taur par upyog kar sakte hain. For example, aapne ghar ka loan liya hai toh aap top up loan ko ghar ke aur sudhar, marammat, saman sajane, aadi ke liye aavedan kar sakte hain.
Karz Sammelan: Agar aapke paas kai karz hain toh aap top up loan ke liye aavedan karke saare karz ek saath jod sakte hain, jisse ki un sabhi karzon ki byaaj ki rakam kam ho jati hai. Yeh aapke credit score ko sudharne mein madad karti hai, kyunki kai karz aapke credit score ko kam kar dete hain.
Additional Financial Requirements: Agar aapne personal loan liya hai kisi vishesh uddeshya ke liye, jaise ki ghar ka loan, toh aap top up loan ko dusre uddeshyon ke liye bhi apply kar sakte hain jaise ki shiksha shulk, parivarik avasar, medical kharche, aadi.
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Top Up Loan ke kuch important features hain:
Top up loan ke liye aavedak ka bank ya lender ke saath pehle se rishta hona chahiye.
Aavedak top up loan ko vartaman loan se judi avyashyak zarurat ke liye le sakte hain.
Lender ke anusaar, top up loan ki raashi mukhya loan ki liye prapt raashi ko paar nahi kar sakti.
Top up loan ki adhikatam raashi, lender ke anusaar alag-alag hoti hai.
Top up loan ka bhugtan aasani se EMI ke roop mein kiya ja sakta hai.
Top up loan jald se jald approve ho sakta hai, kyunki borrower pehle se lender ke saath rishta rakhta hai aur basic screening process ko poora kar chuka hota hai.
Kuch customers, jo kai loan aur karz le rakhe hote hain, top up loan ke liye aavedan kar sakte hain, taki unke karz ek saath mil jaye, unke credit score sudhar sake, aur byaaj ki rakam kam ho sake.
Top-Up Loan ke kuch fayde hain:
Loan ki bojh kam karna: Top up loan ke saath vyakti pehle se liye gaye loan ke saath jude aur dusre karz ko chukane ke liye top up loan ka istemal karke apne loan ki bojh ko kam kar sakte hain. Sabhi karz ko ek saath jodne se byaaj ki rakam kam ho jati hai - yeh ek mukhya karan hai ki pehle se mukhya loan wale vyakti top up loan ke liye aavedan karte hain.
Dastavezon ki kam zarurat: Top up loan ke liye dastavezon ki zarurat kam hoti hai. Kyunki vyakti ka rishta pehle se bank ya lender ke saath hota hai, jiske karan bank ya lender ne pehle se vyakti ki details ko check kar liya hota hai. Top up loan ke liye zaruri dastavez bank ya lender ke anusaar thode alag ho sakte hain.
Tezi se Prakriya: Kyunki pehle se lender aur vyakti ke beech rishta hota hai, jisse original loan liya gaya tha, lender top up loan ke aavedan ko jald se jald process kar sakta hai. Iska parinamswarup, loan jaldi prapt ho jata hai. Vyakti jaldi se funds ka upayog kar sakta hai apni zaruraton ko pura karne ke liye.
Kisi bhi guarantee ki avashyakta nahi hai: Kyunki unsecured loans kisi bhi guarantee ki avashyakta nahi hoti hai, vyakti ko loan ke liye guarantee ke liye assests jutane ki parishram nahi karni padti hai.
Kam byaaj dar: Top up loan ke ek aur fayde yeh hai ki kai lenders unhe kisi bhi dusre loan se kam byaaj dar par provide karte hain.
Yadi vyakti ko jald se jald zaruri rupaya ki avashyakta hai, toh woh personal loan ke bajaye top up loan ke liye aavedan kar sakte hain. Top up loan ke liye vyakti ko ek pehle se lender ke saath rishta hona chahiye, tabhi unhe top up loan ke liye anumati milti hai.
