Mortgage Loan Kya Hota Hai? | Mortgage Loan कितने प्रकार के होते हैं?

Mortgage Loan Kya Hota Hai – मॉर्गेज लोन कैसे ले (mortgage loan Kaise Le)?. Mortgage Meaning in Hindi (मॉर्गेज मीनिंग इन हिंदी) With Example, Mortgage Property Loan Rate of Interest in SBI, Documents, EMI Calculator: Dosto, kai baar paristhitiyan aisi ho jati hai, ki hamari sari saving khatam ho jati hai. Aise mein hamein apne dosto aur rishtedaron se bhi arthik sahayata prapt nahi hoti.

Jab hamare paas paise ki kami hoti hai. To hum loan lene ke bare mein sochte hain. Magar personal loan milna itna aasan kam nahin hota. Sath hi sath loan lene ke liye hame guaranter ki bhi avashyakta hoti hai.

Magar aksar dekha jata hai ki yadi hum apni kuch property ko girvi rakh kar bank se loan le, to bank se loan jaldi hi approve ho jata hai. Isliye adhiktar log emergency ke waqt apni property ko bank mein girvi rakh kar loan lene ke vikalp ke bare mein sochte hain.

Kyunki property ke badle mein aasani se aur jaldi loan prapt ho jata hai. Property ke badle mein diye jaane wale loan ko surakshit loan kaha jata hai. Aur surakshit loan dene mein bank jyada sankoch nahi karte. Isliye surakshit loan ke svikrit hone ke chance jyada hote hain.

Aaj ke iss article mein hum aapko issi vishay se sambandhit jankari pradan karenge. Aaj ka mukhya bindu Mortgage loan hoga. Aaiye jante hain, Mortgage loan kya hota hai? Mortgage loan kitne prakar ke hote hain? Mortgage loan ke labh kya hai, ityadi ke bare mein.

Mortgage Full Meaning in Hindi (with example)

Mortgage ko Hindi bhasha mein “bandhak” kaha jata hai. Mortgage Loan ek aisi loan hoti hai jo kisi property ko girvi rakhne per di jaati hai. Aamtaur par jameen, makan, dukan ityadi property ko girvi rakhne par jo loan di jati hai. Vah loan Mortgage Loan hi hoti hai.

मॉर्गेज लोन क्या होता है – (Mortgage Loan Kya Hai)

Mortgage Loan sampatti par liya jane wala loan hota hai. Jab bhi aap koi loan lete hain, to iske liye aapko collateral ki avashyakta to padti hi hogi. Aise mein aap apne khet ya phir property ke kagjat bank ko dete honge. Inn kagjat ke hone par hi aapka loan swikar hota hai.

Yadi aapke paas property ke kagjat nahi hai. To is sthiti mein aapka loan aswikar bhi kiya ja sakta hai. Aasan bhasha mein kahe to property ko girvi rakhne par diye jane wale loan ko hi Mortgage loan kaha jata hai. Aapko apni property ke document bank mein jama karane hote hain.

Example: Aaiye mortgage loan ko ek udaharan ke taur par samajhte hain. Maan lijiye aapko 500000 rupaye ke loan ki avashyakta hai. Iske liye aap bank mein jaate hain. Bank aap se lagbhag 700000 rupaye ki property ke kagjat mangta hai. (Aksar dekha jata hai ki bank aapki property ka 80 se lekar 85% tak hi loan pradan karta hai).

Yadi aap apni property ke kagjat bank mein jama karate hain. To bank ki taraf se aapko loan muhaiya karaya jata hai. Aapko yah loan ek nishchit samay awadhi mein kist dar kist wapas karna hota hai.

Yadi kisi karanvash aap iss loan ko bharne mein asamarth hote hain. To iss sthiti mein bank kanuni roop se karyvahi karke aapki property ki nilami karke apne paiso ki vasuli kar sakta hai. Asha hai ki aap udaharan ke madhyam se mortgage loan ko samajh gaye honge.

इसे भी पढ़े – SBI Yono App Se Personal Loan Kaise Le?

मॉर्गेज लोन कितने प्रकार के होते हैं – (Types of Mortgage Loan in Hindi)

Dosto, Mortgage Loan ke bhi kai prakar hote hain. Jinme se mukhya roop se dainik jivan mein teen prakar ke Mortgage Loan ke udaharan hame dekhne ko milte hain.

• Mortgage registry loan
• Mortgage by conditional sale
• Usufructuary mortgage

Mortgage Registry Loan

Aapne home loan ke bare mein to suna hi hoga. Darasal home loan ko bank ki madad se liya jata hai. Home loan ke antargat diye jane wale paise se hum koi ghar kharidte hain. Iss ghar ka sara malikana haq to hamara hi hota hai. Magar bank ko hame pratimah mool rashi ke sath sath byaj bhi dena padta hai.

Iss prakar ki loan ko hi mortgage registry loan kaha jata hai. Sadharan bhasha mein isse simple Mortgage kaha jata hai. Darasal shuruaat mein yah Mortgage Loan hi hota hai.

Magar registry karne ke pashchat isse mortgage registry loan kaha jata hai. “Mortgage Loan Kya Hota Hai – मॉर्गेज लोन कैसे ले (mortgage loan Kaise Le)?. Mortgage Meaning in Hindi (मॉर्गेज मीनिंग इन हिंदी) With Example, Mortgage Property Loan Rate of Interest in SBI, Documents, EMI Calculator”

Mortgage by Conditional Sale

Yah loan ka vah prakar hai jisme loan dharak loan ke chukta nahi hone ke karan bank ko transfer kar sakta hai. Magar yah puri tarah se sale nahi hota hai. Iski kuch conditions hoti hai.

Jinke aadhar par logo ko bank ke liye becha jata hai. Jab grahak puri loan ka bhugtan kar deta hai. To iss sthiti mein use grahak ke pass dobara de diya jata hai. Ismein ownership bank ke paas transfer nahi hoti. Kyunki is loan mein bahut sari aisi conditions hoti hai. Isliye isse Mortgage by Conditional Sale kaha jata hai.

Usufructuary Mortgage

Bharat desh mein bahut hi kam li jane wali loan hoti hai. Ismein grahak ko jyada fayda nahi hota. Iss prakar ke loan mein property ke sare hak bank ko de diye jaate hain. Jab tak bank ka loan wapas nahi ho jata, tab tak bank iss property ko use karne ke liye bhi aap se kiraya vasul karta hai.

Inhi karno ki wajah se Bharat mein yah loan kam liya jata hai. Kyunki isme sabhi prakar ke adhikar bank ko mil jate hain. Usufructuary Mortgage Loan ko wapas karne ke pashchat property ki ownership transfer kar di jaati hai.

इसे भी पढ़े – Aadhar Card Se Paise Kaise Nikale | आधार कार्ड से पैसे कैसे निकाले?

मॉर्गेज लोन के लाभ क्या हैं – Mortgage Loan Ke Kya Benefits Hai

Anya loan ke muqable mein Mortgage loan lena aapke liye faydemand ho sakta hai. Mortgage loan lene mein nimnlikhit fayde hote hain.

• Mortgage loan ek secured loan hai. Ismein aapko anya loan ke muqable mein adhik loan rashi mil jaati hai. Vetan bhogi karmchari ko ek crore rupaye tak ka Mortgage loan de diya jata hai. Businessman ko yah rashi 3 crore tak loan ke aadhar par di jati hai.
• Mortgage loan ki prakriya aasan hoti hai. Aur ismein aapko kam kagji karyvahi se gujarna padta hai.
• Mortgage loan mein aapko adhik kagajat ki prakriya mein nahi uljhana padta.
• Loan ko chukane ke liye aapko ek lachili samay awadhi pradan ki jaati hai. Jismein aap aasani se loan ko wapas kar sakte hain.
• Iss prakar ka loan lene ke liye guaranter ki avashyakta nahi hoti. Yadi aap nishchit samay awadhi mein is loan ko pura bhar dete hain. To iska prabhav aapke cibil score par bhi padta hai. Jisse aapko bhavishya mein bank se acchi offer milne ki umeed badh jati hai.

“Mortgage Loan Kya Hota Hai – मॉर्गेज लोन कैसे ले (mortgage loan Kaise Le)?. Mortgage Meaning in Hindi (मॉर्गेज मीनिंग इन हिंदी) With Example, Mortgage Property Loan Rate of Interest in SBI, Documents, EMI Calculator”

मॉर्गेज लोन के नुकसान क्या हैं – Mortgage Loan Ke Kya Nuksaan Hain

Kahate hain ki har sikke ke do pehlu hote hain. Ek sikke mein do pehlu ka matlab nuksan aur fayde se hai. Kai baar hum dekhte hain ki ek chij ka hamein bahut jyada fayda ho raha hai, wahi dusri aur iske nuksan hone ke bhi zyada asar dikhai de rahe hain. Mortgage Loan bhi issi prakar ka ek sikka hai.

Jisme aapko fayda bhi uthana pad sakta hai, aur nuksaan bhi. Loan lene ke liye aapko kai prakar ke nuksan uthane padh sakte hain.

Mortgage Loan aapko property ke aadhar par di jati hai. Sabse pehle isme aapke vyavsay aur naukri par milne wale masik vetan ko dekha jata hai. Yadi kisi karan aapka vyavsay band ho jata hai, ya phir aapki naukri chhut jati hai. To aisi sthiti mein aapko loan bharne mein kafi dikkat aa sakti hai.

Yadi aap loan nahi bharte hai to aisi sthiti mein bank aapki property ko kanuni roop se jabat bhi kar sakte hai. Jisse aap bhavishya mein apni property se bhi hath dho sakte hain. Isliye hi aapko loan lete samay kam se kam loan lena chahiye.

Sath hi sath dhyan rakhen ki kist jitni jyada ho sake utani rakhen. Taki aapko kam byaj ka bhugtan karna pade. Iss prakar se yadi aap loan lete hain to aapko bhavishya mein aane wale nuksan se rahat mil sakti hai.

इसे भी पढ़े – Mahila Loan 30000 Scheme 2021 | Mahila Samridhi Yojana

Mortgage Loan Interest Rate (Mortgage Loan Rate of Interest in SBI)

Mortgage Loan samanya taur par itni jyada mehngi nahi hoti hai. Aapko kam se kam byaj daro ka bhugtan karna padta hai. Kisi bhi loan ko lene se pahle humko byaj daron ke bare mein puri jankari lena bahut jaruri hota hai. Usi prakar Mortgage loan ki byaj daro ke bare mein bhi jaan lena bahut jyada jaruri hai.

Kyunki yah byaj aapki property par hi diya jata hai. Yadi aap loan chukane mein asamarth hote hain, to is sthiti mein aapki property par bhi bank kabja kar sakta hai. Isliye aapko khas dhyan dene ki jarurat hoti hai.

Aamtaur par Mortgage loan par 8.15% se 11.80% prativarsh byaj liya jata hai. Darasal yah byaj daren bank ke anusar badalti rehti hai. Aur vyakti se vyakti bhi in byaj daron mein badlav aata rehta hai. Isliye yah bahut jaruri hota hai ki aapko jis bank se Mortgage loan lena ho. Uski shakha mein jakar byaj daron ke bare mein pata kar le.

Jisse aapko bhavishya mein kisi prakar ki asuvidha na uthani pade. “Mortgage Loan Kya Hota Hai – मॉर्गेज लोन कैसे ले (mortgage loan Kaise Le)?. Mortgage Meaning in Hindi (मॉर्गेज मीनिंग इन हिंदी) With Example, Mortgage Property Loan Rate of Interest in SBI, Documents, EMI Calculator”

Mortgage Loan Documents

Loan lene ke liye aapko kuch avashyak dastavejon ki jarurat padti hai. Yadi aapko pehle se hi aavashyak dastavejon ki jankari hogi. To aapko baad mein baar baar photocopy wale ki dukaan ke chakkar nahi katne padte.

Isliye aapko avashyak dastavejon ke bare mein pehle se hi jaan lena chahiye. Yadi aapke pass koi document nahi hai to usse pehle hi taiyar karva lena chahiye.

• Pehchan Patra ke roop mein aapko PAN card ki photocopy aavedan patra ke sath lagani hoti hai.
• Iske alava aapko dusri ID Aadhar card, driving licence ya voter card bhi lagana hota hai. Aap apne bijli bill ya rent agreement ko bhi laga sakte hain.
• Yadi aap business loan lena chahte hain to iske liye aapko apne vyavasaya ke jaruri kagjat bhi aavedan patra ke sath attach karne honge.
• Aapko apni pichle 6 mahine ki bank account statement bhi deni hoti hai.

Yah kuch jaruri kagjat hote hain. Jo aapko Mortgage Loan lene ke liye aavashyak hote hain. Yadi aap in kagazon ko bharne mein asamarth hote hain. To iss sthiti mein aapka loan cancel kiya ja sakta hai.

Isliye aapko yah sabhi dastavej pehle se hi taiyar rakhna chahiye. Taki aapko kisi prakar ki asuvidha ka samna na karna pade.

इसे भी पढ़े – Loan Kaise Le Mobile Se? | मोबाइल से लोन कैसे ले सकते है?

मॉर्गेज लोन के लिए योग्यता (Eligibility for Mortgage Loan)

Mortgage Loan ke liye aapko kuch yogyataye puri karni hoti hai. Yadi aap bank ke eligibility criteria ko pura karte hain, tabhi iss sthiti mein aapko loan diya jata hai.

Mortgage Loan lene ke liye aapki aayu 21 varsh se lekar 65 varsh ke beech mein honi chahiye. Aapka pratimah masik vetan aana chahiye. Ya phir aapka khud ka vyavasay hona chahiye.

Aapke paas property ke kagjat hone chahiye. Jinke aadhar par Mortgage loan diya jata hai. Yah property aapke ya phir aapke parivar mein se kisi ek sadasya ke naam honi chahiye.

Taki loan lene mein aapko kisi prakar ki taklif na uthani pade. “Mortgage Loan Kya Hota Hai – मॉर्गेज लोन कैसे ले (mortgage loan Kaise Le)?. Mortgage Meaning in Hindi (मॉर्गेज मीनिंग इन हिंदी) With Example, Mortgage Property Loan Rate of Interest in SBI, Documents, EMI Calculator”

Mortgage Loan EMI Calculator

Mortgage loan EMI calculator ek aisa tool hai. Jiske madhyam se aap apne loan par liye jane wali byaj daro ki madad se yah pata kar sakte hain ki aapko bhavishya mein pratimah kitne rupaye ki kist bharni hogi. Yah tool online pratyek bank ki official website par uplabdh hota hai.

Jismein aapko apni rashi aur uss par liye jane wale byaj ke sath sath loan awadhi ke bare mein jankari deni hoti hai. Iske pashchat aapke samne aapki pratimah ki EMI nikal kar aa jati hai.

Mortgage loan EMI calculator sabhi banko ki official website par uplabdh hota hai. Jisse aap loan lena chahe hai uski official website par uplabdh hoti hai. Jahan par aap pratimaah EMI ke bare mein jaan sakte hain.

Mortgage Property Loan

Mortgage property loan ek aisi loan hoti hai. Jisko aap apni property ke aadhar par le sakte hain. Jab tak aap loan ko chukta nahi karte, tab tak uske adhikar aanshik roop se bank ko mil jaate hain.

Yadi kisi karanvash aap is loan ko bharne mein asamarth rehte hai. Aisi kisi sthiti mein bank aapki property ko bech dega aur apni rashi ka bhugtan kara sakta hai. “Mortgage Loan Kya Hota Hai – मॉर्गेज लोन कैसे ले (mortgage loan Kaise Le)?. Mortgage Meaning in Hindi (मॉर्गेज मीनिंग इन हिंदी) With Example, Mortgage Property Loan Rate of Interest in SBI, Documents, EMI Calculator”

इसे भी पढ़े – Pan Card Se Loan Kaise Le | पैन कार्ड से लोन कैसे लेते हैं?

मॉर्गेज लोन कैसे ले – Mortgage Loan Kaise Le? (मॉर्गेज लोन के लिए आवेदन कैसे करें?)

Mortgage Loan ko online aur offline, dono prakar se liya ja sakta hai. Behtar hota hai ki aap apni najdiki bank shakha mein jakar Mortgage loan lene ke liye avedan kare. Kyunki offline avedan karne mein aapko bank ke niyam aur sharton ko samjhane mein aasani hoti hai.

Yadi aap online loan prapt karna chahte hain to aap niche bataye gaye tarike se Mortgage loan ke liye online aavedan karen.

• Sabse pahle aapko online loan lene ke liye bank ka chunav karna hoga. Jis bhi bank se aap loan lena chahte hain, uski official website par jaye.
• Official website par aapko vibhinn prakar ke vikalp dikhai denge. Jisme se aapko property loan par click karna hai. Ab aapko property loan ke liye apply karne ke vikalp par click karna hoga.
• Ab aapko apni sari jankari iss form mein darj karni hogi. Sath hi sath aapko apne avashyak document ko bhi upload karna hoga. Aavashyak dastavejon ki suchi upar di gayi hai.
• Sab jankari aur documents upload karne ke baad aap apni application ko submit kar de. Ab iske pashchat bank ki taraf se aapko call kiya jayega aur kuchh jankari mangi jayegi. Yadi aapke dwara di gayi jankari sahi payi jati hai. Aur aapka cibil score achcha hai to aapka loan swikrit kar liya jayega.
• Loan rashi sidhe hi aapke bank khate mein daal di jayegi.

Iss prakar se aap ghar baithe hi Mortgage loan ke liye online aavedan kar sakte hain.

Conclusion (Mortgage Loan Kya Hota Hai?)

Property par loan lene ke bare mein hum aksar sunte hain. Magar iske technical term se hum waqif nahi hote. Aaj ke iss article mein humne property par liye jane wale loan ke bare mein jankari prapt ki. Aur mukhya roop se jana ki – “Mortgage Loan Kya Hota Hai, मॉर्गेज लोन कैसे ले (mortgage loan Kaise Le) and Mortgage Meaning in Hindi (मॉर्गेज मीनिंग इन हिंदी) With Example, Mortgage Property Loan Rate of Interest in SBI, Documents, EMI Calculator” इत्यादि के बारे में।

Iss article mein aapko vistar purvak Mortgage loan ke bare mein jankari di gayi hai. Yadi phir bhi aapko Mortgage loan se sambandhit kisi prakar ka sawal ho, to aap usse comment section mein poochh sakte hain.

Jaldi hi uska jawab de diya Jayega. Aisi hi anya mahatvapurn yojnao ke bare mein janne ke liye aap hamari website ko visit kar sakte hain. Yahan par aapko bahut sari loan scheme ke bare mein jankari di gayi hai.