Zindagi mein kayi baar aapko apni zarooraton ko pura karne ke liye ek mahatvapurna rakam ki zaroorat hoti hai, jaise ki gaadi kharidna, pariwar ke vacation ka kharcha karna, ghar ko renovate karna, ya phir achanak se aa jaane wali kisi emergency medical situation ka samna karna. Kabhi kabhi aapko apne business mein invest karne ke liye ya apni education ke liye paise chahiye hote hain. Aise samay par, agar aapke paas sufficient funds nahi hai, to loan lena ek accha vichar ho sakta hai.
Funds prapt karne ke do tareeke hote hain - secured loan aur unsecured loan. Jabki secured loan mein funds prapt karne ke liye kisi prakar ka guarantee ya security dena hota hai, unsecured loan mein aisa karna nahi padta. Loan ke prakar ko chunne se aapke loan terms, interest rate aur eligibility criteria par asar padta hai. Isliye, in dono mein antar ko samajhna mahatvapurna hai.
Is blog mein, hum in loans ke baare mein vistar se samjhayenge aur jaanenge secured aur unsecured loans ke beech antar kya hai.
Secured loans kya hote hain?
Secured loans ek aise prakar ke karz hai jisme aap kisi bhi tarah ki guarantee ya security lender ko dena padta hai. Guarantee ek kimti asset ya property hoti hai jo lender ko default hone par seize karne ki anumati deti hai. Guarantee ke karan, secured loans mein interest rate unsecured loans ke mukable kam hota hai.
Prakar of secured loans
Yeh kuch common types of secured loans hote hain.
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Mortgages
Mortgage, yaani ghar ka loan, ek aisa loan hai jisse aap ghar ya property kharidne ke liye lete hain. Property khud guarantee hoti hai, aur agar borrower loan chukane mein asafal ho jata hai, to lender property ko foreclose kar sakta hai paise vaapas pane ke liye.
Auto loans
Jab aap gaadi ya doosre vehicle kharidne ke liye auto loan lete hain, to vehicle guarantee ke roop mein kaam karta hai. Agar aap loan chukane mein asafal ho jaate hain, to lender vehicle ko recover kar sakta hai apni nuksaan ko cover karne ke liye.
Secured credit card
Kuch lenders secured credit cards jaari karte hain, jisme cardholder bank mein paise jama karta hai, jo card ka credit limit ka kaam karta hai.
Secured personal loans
Kuch personal loans secured hote hain, matlab unhe guarantee ki zaroorat hoti hai. Isme aap apni savings bank account, stocks and bonds, sona, ya doosre kimti assets rakh sakte hain.
Secured business loans
Secured personal loans ki tarah, businesses bhi apni operation, vistar ya doosri zarooraton ke liye secured loan chun sakte hain.
Aksar, guarantee ki kimat se yeh nirbhar karta hai ki aap kitna loan le sakte hain, loan ke terms aur interest rates kya honge. Kyunki secured loans ke saath risk kam hota hai guarantee ke karan, aap kam credit score ke saath bhi attractive interest rates aur suitable loan terms prapt kar sakte hain.
Secured loans ke kuch fayde aur nuksaan hote hain, aur inhe chunne se pehle in factors ko gaur se vichar karna zaroori hai.
Secured loans ke fayde:
- Kam interest rates: Secured loans ke interest rates unsecured loans ke mukable kam hote hain kyunki guarantee hoti hai.
- Asaani se prapt: Lower credit scores wale vyakti bhi secured loans ka labh utha sakte hain.
- Zyada loan amount: Guarantee ke karan, borrowers zyada loan amount prapt kar sakte hain unsecured loans ke mukable.
- Lambe samay tak chukane ki suvidha: Generally, secured loans mein lambe samay tak chukane ki suvidha hoti hai.
- Credit score sudharne ka mauka: Timely secured loan ki chukti aapke credit score ko sudharne mein madad karti hai.
Secured loans ke nuksaan:
Guarantee khone ka khatra: Sabse bada secured loan ka nuksaan hai ki agar aap loan chukane mein asafal ho jaate hain, to aapki guarantee ka khataara hota hai.
Limited guarantee options: Kuch borrowers ko sahi guarantee nahi mil sakti secured loan ke liye agar unke paas koi kimti asset nahi hai.
Zyada karz uthane ke chances: Kyunki secured loans zyada loan amount ke liye eligible hote hain, borrowers zyada karz utha sakte hain jo unke affordability aur chukane ki shamata par asar dal sakta hai.
Unsecured loans kya hote hain?
Unsecured loans ek aise prakar ke karz hote hain jahan borrower ko kisi bhi guarantee ya security ko dene ki zaroorat nahi hoti hai. Ye loans borrower ki creditworthiness aur chukane ki kshamata par adharit hote hain.
Prakar of unsecured loans
Yeh kuch common types of unsecured loans hote hain.
Personal loans
Yeh loans alag-alag maqsad ke liye use kiye ja sakte hain, jaise ki karz consolidation, ghar ki sudhar, medical bills, ya doosri personal zarooratein.
Credit cards
Aapko di gayi credit card limit ek tarah ka unsecured karz hota hai.
Student loans
Zyadatar student loans unsecured hote hain aur borrower ki creditworthiness par nirbhar karte hain.
Unsecured loans ke fayde:
- #1 Guarantee ki zaroorat nahi: Borrowers ko koi assets guarantee ke roop mein dena nahi padta, isliye default hone par assets ko khone ka khatra nahi hota.
- #2 Teji se process hota hai: Kyunki koi guarantee evaluate karne ki zaroorat nahi hoti, unsecured loans ki manjoori teji se mil jati hai.
- #3 Vyapak upayog: Borrowers personal loans jaise unsecured loans ko alag-alag maqsad ke liye use kar sakte hain, jaise ki karz consolidation, mehenge uphaar khareedne ke liye, safar ya doosre personal zarooratein.
- #4 Credit score sudharne mein madad: Unsecured loans ko samay par chukane se borrower ke credit score par sakaratmak asar padta hai, jo ek majboot credit profile ke liye madadgar hota hai.
Unsecured loans ke nuksaan:
- #1 Zyada interest rates: Unsecured loans ki bhaavna yojana secured loans ke mukable zyada hoti hai kyunki lenders ko koi guarantee nahi hoti.
- #2 Kam loan amount: Unsecured loans ke liye normally kam loan amount available hota hai.
- #3 Strict eligibility criteria: Lenders unsecured loans ke liye strict eligibility criteria rakh sakte hain. Ismein achha credit score, stable income aur majboot financial itihas jaise factors shamil ho sakte hain.
- #4 Mushkil se milte hain: Unsecured loans secured loans se milna thoda mushkil ho sakta hai kyunki lenders ke liye ismein kuch risk hota hai.
Secured aur unsecured loans ke beech antar kya hai?
Jab hum secured loans aur unsecured loans ko tulna karte hain, to inke beech kuch mukhya antar hote hain.
- Moolya Secured Loan Unsecured Loan
- Collateral ki zaroorat Haai Nahi
- Lender ke liye risk Kam Zyada
- Interest Rate Kam Zyada
- Loan Amount Zyada Kam
- Repayment Terms Lambe Chhote
Secured loan aur unsecured loan: Kaunsa chunna chahiye?
Secured loan aur unsecured loan dono ke apne fayde aur nuksaan hote hain, aur inhe aapko loan chunne se pehle gaur se samajhna chahiye. Secured loan aapke liye ek accha vikalp ho sakta hai agar aap kam interest rate wale loan ki talaash mein hain, jabki unsecured loan unke liye ek achha vikalp ho sakta hai jo kisi tangible asset ko offer nahi kar sakte.
Dhanyavaad! Agar aapko koi sawaal hai ya kuch aur jaanna chahte hain, to hamein likhein.
