Term Loan kya hai?
Term loan ek tarah ka financing hai jismein li gayi raashi ko ek fixed samay avadhi ke dauran niyamit bhugtan ke madhyam se chukaaya jaata hai. Aam taur par, ye avadhi ek se lekar das saal tak ho sakti hai, lekin kuch term loans das saal se bhi lambe samay tak ho sakte hain. Kuch cases mein, graahak term loan ke liye ek fixed interest rate ya ek floating interest rate mein se chun sakte hain. Lekin adhiktar banks aur lenders interest rate ka faisla karte hain, khaaskar chhoti avadhi ke term loans ke case mein. Fixed interest rate poore loan avadhi ke dauran sthir rehta hai. Iska matlab hai ki borrower ko apne loan ke aavedan ke samay tay kiye gaye dar ke aadhar par hi byaaj dena hoga.
Iska matlab hai ki EMI ka maan sthir rahega. Tulna mein, floating interest rate bazaar aur arthik sthitiyon ke anusaar badalta hai. Iska matlab hai ki kisht ke maan mein subsequent badlav honge. Aam taur par, lambe samay ke liye fixed interest rate ki taraf jyada rujhaan kiya jata hai, aur chhoti avadhi ke loan lene par borrowers ko floating interest rate chunne se fayda hota hai. Lekin is niyam mein kuch visheshataayein hain. Agar borrower ko interest rate chunne ka mauka milta hai, to use hamesha vartaman aur anumaanit sthitiyon ke aadhar par moolyaankan karna chahiye. Is lekh mein, hum term loan aur iske guno ke baare mein baat karenge jo borrowers ko jaanana zaroori hai.
Term Loan ki gunvattaayein
Term loan ki avadhi ke aadhar par short-term aur long-term loans mein antar kiya ja sakta hai. Kam se kam ek saal se lekar teen saal tak ki avadhi wale loans ko short-term loan ke roop mein jaana jaata hai. Teen saal ya usse zyada ki avadhi wale loans ko long-term loan ke roop mein jaana jaata hai. Neeche hum term loans ke fayde, nuksaan aur guno par ek nazar daalte hain.
Chhote Avadhi wale Loans (Short Term Loans)
Jaise ki pehle hi kaha gaya, ek saal se kam avadhi wale loans ko short-term loan ke roop mein jaana jaata hai. Is baat ka dhyaan dena mahatvapurn hai ki short-term loans ke byaaj dar dusre tarah ke loans ke mukaable mein adhik hoti hai, aur ye long-term loans ke liye bhi lagu hoti hai. Viksit vikaasit arthvyavasthao mein, adhiktar banks aur lenders unsecured short-term loans ko pradaan karte hain, jo payday loans ke naam se jaane jaate hain.
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Ye loans teen ya chaar mahine tak ke avadhi ke saath aate hain. Payday loans ka concept Bharat mein abhi tak naya hai, lekin kuch banks ke paas yeh option hai ki maujooda credit card aur loan customers electronics kharidne ke liye teen se chhah mahine jaise chhote avadhi wale loans le sakte hain. Kai banks aur lenders secured aur unsecured short-term loans dono pradaan karte hain. Short-term loans mein niyamit loans ke mukaable kuch khamiyaza hota hai. Zarooratmand logo aur vyavasaayon ko jaldi se jaldi funds ki avashyakta ho to unhein aasaani se approval mil sakta hai kyun ki yeh application process teji se hoti hai. Iske alawa, sirf kam documents ki zaroorat hoti hai aur funds jaldi pradaan kiye jaate hain.
Kuch banks aur lenders short-term secured loans ke liye apply karne wale applicants par hard credit check nahi karte hain. Balki wo khaas taur par applicant ki income stability aur loan ko chukane ki arthik kshamata par dhyaan dete hain. Kuch banks aur lenders bura credit score wale borrowers ko bhi short-term loans pradaan karne ke liye taiyar hote hain. Kuch cases mein, lender in applicants par ek acche credit score wale applicants ke mukaable zyada byaaj dar laga sakta hai. Is tarah ke loans ke liye vetan, mahina-varshik bank balance, maujooda baaki karz, fix obligations to income ratio (FOIR) aur rozgaar ki itihaas jaise factors ka moolyaankan kiya jata hai.
Lambe Avadhi wale Loans (Long Term Loans)
Lambe avadhi wale loans ko lambi samay ki chukti ke liye pradaan kiya jaata hai. Bharat mein teen saal se zyada ki avadhi wale loans aam taur par long term loans ke roop mein jaane jaate hain, jabki globally, saath saal se zyada ki avadhi wale loans ko long term loans ke roop mein consider kiya jaata hai. Aam taur par, Bharat mein long term loans ki adhiktar avadhi das saal hoti hai, lekin ghar ke loans aur mortgage jaise long term loans ki avadhi saath saal tak hoti hai. Home loans, education loans, aur vehicle loans lambe avadhi wale loans ke udaharan hain.
Lambe avadhi wale loans dusre tarah ke loans ke mukaable adhik raashi pradaan karte hain. Isliye, jinke paas turant ek badi raashi ki zaroorat hoti hai lekin wo use lambe samay tak chukta kar sakte hain, ve long term loan ka chayan kar sakte hain. Lambe avadhi wale loans ke liye byaaj dar chhoti avadhi wale loans aur dusre tarah ke loans ke mukaable kam hoti hai. Lekin yeh adhik byaaj dar ko yeh compensate karti hai ki byaaj ko lambe samay tak dena hota hai. Isliye, bade moolya aur lambe chukti avadhi ko bank faayda karta hai, lambe term loans par kam byaaj dar lagakar bhi. Lambe avadhi wale loans ki mahina-varshik EMI aasani se kisi bhi tight budget mein adjust ki ja sakti hai, kyunki loan ko lamba samay mein chukaaya jaata hai. Kam EMI ko har mahine chukta karne ki suvidha hoti hai aur yeh bhugtan ki avadhi mein chukti ko kam kar deta hai.
Ghar jaise kuch lambe avadhi wale loans tax benefit prapt karne layak hote hain aur isse borrower ko tax rebate ka laabh uthane ki anumati milti hai. Yeh loan prapt kiye jaane wali avadhi aur maujooda tax laws ke aadhar par alag-alag ho sakta hai. Is case mein, sirf loan par di gayi byaaj ko hi tax rebate ke liye claim kiya ja sakta hai. Kuch lenders lambe avadhi wale loans par fixed aur floating interest rates par bhi pradaan karte hain. Lambe avadhi wale loans ke liye, market aur arthik sthitiyon ke badlavon par asar hota hai, isliye fixed rate of interest ko chunna uchit hai.
Bharat mein kayi lambe avadhi wale loans mein security ya jamanat ki avashyakta hoti hai, kyun ki yeh bank ya lender ke liye risk kam kar deti hai. Isliye, adhiktar lambe avadhi wale loans secured loans hote hain.
Jab aap term loan ka chayan karne ke liye faisla karte hain, to term loans ki gunvattaon ka dhyaan rakhein. Chhote avadhi wale loans vyaktiyon ke liye acche hote hain jinke paas jaldi se ek srot funds ki avashyakta hoti hai. Dusri taraf, lambe avadhi wale loans wahi behtareen samadhaan hain jinki madad se ek badi raashi ki zaroorat hoti hai lekin unhein dhire-dhire loan ko chukta karna hota hai.
