Is guide mein hum aapko batayenge ki agar kisi vyakti ka personal loan chal raha hai aur woh vyakti guzar jata hai to use personal loan ke liye kya hota hai.
Jab koi vyakti personal loan le leta hai, toh uska maksad hota hai ki woh loan samay ke andar wapas karega. Lekin jeevan anishchit hai, aur kuchh baar aisi durghatnaayein hoti hain jismein loan lete vyakti ki maut ho jati hai. Aise mein logon ke man mein sawaal uth jata hai ki agar vyakti ka nidhan ho jaye to uske personal loan ka kya hoga. Is situation mein kuchh factors mahatvapurna hote hain, jaise loan agreement ke terms and conditions, saathiyon ya garantar ki upasthiti, aur vyavasthit kanoon. Yahan hum dekhege ki jab kisi vyakti ka nidhan hota hai toh uske personal loan ke maamle mein kin sankton ka samna karna hota hai, vyakti ki sampatti aur len-den karne wale bank, dono ke liye.
.png "What Happens to a Personal Loan if the Borrower Dies?")
Bank Personal Loan ko Kaise Vasool Karte Hain?
Bank, kisi marne waale vyakti ke qanooni varisyon se baaki reh gaya personal loan vasool karne ka daawa nahi kar sakte. Personal loans unsecured hote hain, yani bank samay par chukane ke liye vyakti ki sampatti ko kabza nahi kar sakta. Is tarah ke paristhiti mein bank aam taur par baaki rahne wale balance ko nuksaan maan kar use non-performing asset (NPA) ghoshit kar deta hai.
Aise kaaran se hi kai bank vyakti ke personal loan ke avedan ko moolyaankan karte samay vyakti ke umr ko bhi madhyaan mein rakhte hain.
Agar personal loan mein sah-bhagi ya co-signer hai, to us vyakti ko mritak vyakti ke nidhan ke baad baki loan ka bhugtaan karna hota hai. Lekin yaad rahe ki mritak vyakti ke qanooni varis ko loan chukane ya sampatti ka malik banne ki koi qanooni zaroorat nahi hoti hai.
Mritak Vyakti ke Nidhan ke Baad Personal Loan Ki Karz Chukane ki Vidhi
Mritak vyakti ke asurakshit nidhan ke case mein, us vyakti ke parivar ko ek vidhi hai jise woh follow karna hota hai.
- Mritak vyakti ke nidhan ke baad, bank ko suchit karein ki EMIs (Equated Monthly Instalments) aam taur par jaise pehle ki tarah bhugtaan hote rahenge.
- Bank se anurodh karein ki poora baaki rah gaya loan bhugtaan kar diya jaye.
- Check karein ki mritak vyakti ke paas personal loan insurance ya life insurance hai ya nahi. Agar hai, toh iska istemaal karke loan chukaya ja sakta hai.
- Agar insurance nahi hai, toh loan ke prashasan ko dekhein ki mritak vyakti ke parivar ke paas koi sampatti, jameen ya property hai.
- Agar personal loan sirf vyakti ke naam par hai, toh bank NPA prakriya shuru kar degi.
Nateeja
Personal loans unsecured loans hote hain. Iska matlab hai ki jab koi vyakti personal loan le raha hota hai aur uski maut ho jati hai, toh bank vyakti ke qanooni varisyon se loan chukane ka daawa nahi kar sakta. Lekin mahatvapurna hai ki mritak vyakti ke parivar ko bank ko us vyakti ki maut ki jaankari deni chahiye. Agar bank ko suchit nahi kiya jata hai, toh bank aage bhi loan ki vaapsi ki ummeed rakhta hai, loan ke niyam aur shartein ke mutabik. Aur agar vyakti ne apne bank account se EMI (Equated Monthly Instalment) ka rashi auto-debit ke through karne ke liye sahamati di thi, toh bank mritak vyakti ke nidhan ke baad bhi account se paise katne jari rakhega. Bank tabhi loan ko NPA ke roop mein maana jayega jab unhe vyakti ke nidhan ki jaankari milegi.
