Loan ek prakar ka financial agreement hota hai jisme ek party (lender) dusri party (borrower) ko kuch paise deta hai, aur borrower ko wo paise ek nishchit samay ke baad, ek nishchit interest rate par, wapas karna hoga.
Types of Loans:
- Personal Loan: Iska use personal expenses, jaise ki shadi, travel, ya medical expenses, ke liye kiya jaata hai.
- Home Loan: Iska use ghar khareedne ya banane ke liye kiya jaata hai.
- Car Loan: Iska use car khareedne ke liye kiya jaata hai.
- Education Loan: Iska use higher education ke liye kiya jaata hai.
- Business Loan: Iska use business shuru karne ya expand karne ke liye kiya jaata hai.
Loan ke faide:
- Financial help: Loan aapko financial help karta hai jab aapko paise ki zaroorat hoti hai.
- Easy repayment: Loan ki repayment easy installment mein ki ja sakti hai.
- Low interest rate: Kuch loans par interest rate kam hota hai.
Loan ke nuksan:
- Interest rate: Loan par interest rate adhik hota hai.
- Debt trap: Loan ki repayment na karne par debt trap mein aa sakte hain.
- Credit score: Loan ki repayment na karne par credit score bhi kharaab ho sakta hai.
Dhyan rakhein ki loan lene se pehle, aapko har bank aur lender ke eligibility criteria, interest rates, aur terms aur conditions ko compare karna chahiye aur phir decision lena chahiye.