HOW MANY TYPES OF BANK LOAN IN INDIA

Bharat main bank loan ke kitne prakaar hain

Business ko bada banane ,kuch khaas karne ya kuch khaas kharidne ke liye kisi bhi tarha ke neejee kaam ke liye hum kisi bank ya kisi dusre finance company se jo madad lete hain , us cheez ko loan ya bank loan kaha jata hai , badle main agar loan lene wala EMI ke roop main intrest ke saath loan ki puri rakam bank ko wapas karta hai to aaj hum is blog post main baat karne jarahe hain , ki india main bank kitne type ke loan dete hain .

Abhi ke time ke hisaab se bank loan teen type ke hote hain .

Pehla hai short term loan :- is ka samay ek saal ka hota hai.

Dusra hai medium term loan :- is ka samay ek saal se teen saal tak ka hota hai .

How many types of loan,bank loan,personal loan,gold loan,loan against securities,property loan,home loan,education loan,car loan,

Teesra hai long term loan :- is ka samay 5 saal se zyaada ka hota hai.

1 - PERSONAL LOAN

Personal loan ka kya matlab hota hai – personal loan ka ye matlab hota hai jo khud ke liye liya gaya ho , waise to loan hum sab khud ke liye hi lete hain , lekin personal loan ka matlab ye hota hai ki , apne personal kamo ke liye loan lena , jaise ki bachchon ki school fees deni ho , kisi ka elaaj karana ho , kisi ko costly gift deni ho , ya phir ghar ka koi saman khareedna hon ,

ALSO READ THIS POST HOW TO TAKE PERSONAL LOANFROM HDFC BANK

Ye bhi padhen HDFC BANK SE PERSONAL LOAN KAISELETE HAIN

Personal loan ke liye har bank ki apni apni intrest rate hoti hai , jaise ki personal loan ke liye SBI 12.50 % se 16.60 % tak ek saal ka intrest leta hai ,

To dusri bank jaise ki HDFC bank 10.99 % se 20.75 % tak ek saal ka intrest leti hai , ye bhi jaan lena zaruri hai ki personal loan ka rate of intrest jo hai dusre loan ke mukable zyaada hota hai , waise to bank humko personal loan dete time zyaada paper nahin mangte , sirf apni kamaae dekhte hain , aur loan hum ko mil jata hai ,

Personal loan humko 5 saal ke liye milsakta hai . DUSRA LOAN HOTA HAI GOLD LOAN.

2 - GOLD LOAN

Gold loan bank main gold rakhne ke baad main cash lene wala loan hota hai , is tarike main gold ko bank ke locker main rakhna hota hai , is type ke loan main hum ko gold ki 80% value ke hisaab se paise milte hain , gold loan zyaada tar emergency main hi lete hain, is loan per liya jane wala intrest ki kimat personal loan ki kimat ke hisaab se kaafi kam hota hai , aaj ki date main SBI ka BANK GOLD LOAN per 11.15% ek saal ka byaaz (rate of intrest) le raha hai ,

Jab ki HDFC ka BANK GOLD LOAN per 10% ek saal bhar ka le rahe hain .

teesra hota hai LOAN AGAINST SECURITIES

3 - LOAN AGAINST SECURITIES

Is loan process main bank appko security paper ko rakh kar loan deta hai , magar sawaal ye aata hai ke security paper kya hota hai , agar aapne demand share ya aur kisi main pehle se invest kiya hua hai , wahi aapke security paper hote hain , jiske badle main bank aapko loan deta hai , 4^TH HAI PROPERTY LOAN

ALSO READ THIS POST HOW TO TAKE PERSONAL LOAN FROM HDFC BANK

Ye bhi padhen HDFC BANK SE PERSONAL LOAN KAISE LETE HAIN

4 - PROPERTY LOAN

Property loan wo loan hai jo bank property ke kagzaat (document) girvi rakh kar deta hai , is type ka loan 15 saal tak milsakta hai , aam taur par jo property ki kimat hoti hai uska 40 se 70% tak loan milta jata hai . 5 LOAN HAI – HOME LOAN

5 - HOME LOAN

Ghar kharidne ke liye jo loan liya jata hai wo home loan hota hai , aap sirf ghar banane ke liye hi loan nahi lete hain , aap ghar banane ki kimat ko jodkar bank se loan lesakte hain , bank hamare ghar ki kul kimat ka 75% se 85% tak loan desakti hai , home loan ka samay 5 saal se lekar 20 saal tak ka hota hai , 6^th hota hai education loan

6 - EDUCATION LOAN

Education loan unhi students ko diya jata hai jo loan ko sahi samay par bhar paye ga , padhae khatm hone ke baad students is loan ko bhar sakte hain , aaj ki date main SBI BANK EDUCATION LOAN 7 lakh se uper ke loan ke liye 50.7 % se 70.10% tak ke loan ke liye 9% se 15% interest charge karraha hai , 7^th loan hai car loan

7 – CAR LOAN

Bank wale hamesha car lene ke liye tarha tarha ke offer dete rehte hain , ye loan baki sabhi loan ki tarha hi ek samay ke liye diya jata hai ,

Acha to doston aapne aaj jana ki bank jo hai india main kitne tarha ke loan deta hai ,

Doston agar aap logon ko ye post pasand aae hai to is post ko like Karen aur apne doston ke sath share Karen , aap logon ka golden samay dene ke liye dhanyawaad .

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