Loan lene se pehle kin baaton ka dhyan dena chahiye?
(Ek aam aadmi ki bhasha mein)
Aaj ke time mein loan lena ek normal si baat ho gayi hai. Ghar lena ho, car kharidni ho, business start karna ho ya koi emergency ho — sabke liye loan ek option hota hai. Lekin loan lena matlab sirf paisa mil jaana nahi hota, uske saath zimmedari bhi aati hai.
Toh agar aap soch rahe hain ki loan lena hai, toh zara ruk ke in baaton par thoda dhyan de lijiye:
1. Pehle sochiye, loan lena zaroori hai kya?
Har problem ka solution loan hi ho, aisa zaroori nahi. Kabhi-kabhi thoda wait karke ya savings se manage karke bhi kaam chal jaata hai. Agar real need hai tabhi loan lene ka sochiye. Bas ek shiny phone ya weekend trip ke liye loan lena, thoda risky ho sakta hai.
2. Apni capacity samjho – chuka paoge ya nahi?
Loan lena easy lagta hai, lekin uski EMI har mahine time par dena ek alag game hai. Aapki income ka kitna hissa already kharch ho raha hai? Kya usme se EMI nikalne ke baad ghar ka kharcha, bacchon ki fees, daily needs sab handle ho paayenge? Yeh honestly assess karna bohot zaruri hai.
3. Interest rate ko lightly mat lo
Har bank ka interest rate alag hota hai. Aur personal loan, home loan, car loan – sabka rate bhi different hota hai. Floating rate aur fixed rate ka bhi farak hota hai – floating rate badh bhi sakta hai future mein. Thoda research karke hi final decision lo.
4. Loan ka time period (tenure) samjho
Zyada lambi tenure log isliye lete hain kyunki EMI kam lagti hai. Lekin uska matlab hota hai zyada interest. Short tenure mein EMI zyada hoti hai, lekin total interest kam lagta hai. Dekho, aapke liye kya comfortable hai – stress free payment ya jaldi loan se chutkaara?
5. Hidden charges – chhup ke maarte hain ye!
Sirf interest rate dekhkar loan le lena kaafi nahi hota. Processing fee, file charges, prepayment charges, late fine – in sab ka bhi estimate lo. Ye chhoti chhoti cheezein milke loan ko mehenga bana deti hain. Har clause achhi tarah padhna chahiye.
6. Credit score check kiya kya?
Yeh ek number hota hai jo batata hai ki aap kitne responsible borrower ho. 750 ke upar score ho toh best deals milte hain. Agar score low hai, toh ya toh loan reject ho sakta hai ya interest zyada lag sakta hai. Free mein score check karne ke options aajkal online available hote hain.
7. Bank ya lender ka comparison zaruri hai
Ek jagah baithke sabse pehle mil gaya wahi loan le lena sahi nahi hai. Market mein kai options hote hain – har kisi ke terms alag hote hain. Aajkal to online comparison tools bhi hain, jo aapko batate hain ki kaha se sasta aur better deal mil raha hai.
8. Future ke liye planning rakho
Aaj income hai, kal bhi hogi na? Job stable hai? Business theek chal raha hai? Emergency fund hai? Ye sab sochna padta hai. Kahi aisa na ho ki kal kuch problem aaye aur EMI chhoot jaaye, fir credit score bhi down ho jaata hai aur stress alag.
Last baat – loan lena galat nahi, par soch samajh ke lena
Loan agar sahi wajah se liya jaye aur time pe repay kiya jaye, to wo aapki life ko better bana sakta hai. Lekin agar bina planning ke liya gaya loan hai, to wo aapko pareshani mein daal sakta hai.
