Personal Loan Pre Approval Ka Kya Matlab Hai? Iske Kya Fayde Hai?

अपने दोस्तों के साथ शेयर करें

Personal Loan Pre-Approval and Pre Approval VA Loan: Ham sabhi ko kai mauko par hamare banko se ek sms, email yaha tak ki iss tarah ka call bhi prapt hui hai. Lekin humne kitni baar socha hai ki yah kya hai? Lagbhag kabhi nahi. Isliye , yah lekh mithak yani pre- approved personal loan ko samarpit hai.

Personal Loan Pre-Approval and Pre Approval VA Loan

Pre-Approved Loan Meaning in Hindi (Pre-approved loan ka Matlab Kya Hai?)

Pre-approved Loans Means: Pre-approved loan apni prakriti mein niyamit loan se alag nahi hote hai, sivay iske ki aap apne rindata tak nahi pahunch rahe hai. Iske viprit, yah dusri taraf hai, yah aapke liye rindata ki aur se ek prastav hota hai. Iska matlab yah hai ki aapke dwara karaj li gayi dhanrashi ke liye avedan karne se pehle hi rindata ke paas aapke liye ek offer hai.

Aise rin aksar un grahakon ko diye jate hai, jinhone pehle kisi rindata se rin liya ho. Aur punarbhugtan mein ek accha track record banaye rakha ho. Halanki, dhyan de ki pre-approved loan offer karne se pehle , rindata grahak ki loan lene ki patrta ka achi tarah se mulyankan karta hai. “Personal Loan Pre-Approval and Pre Approval VA Loan”

What is a Pre-approved Loan in Hindi? (Purv Swikrit Rin Kya Hai?)

Pre-approved Loan Meaning In Hindi: Loan processing mein loan approval bahut hi mahatvapurna kadam hai. Rin aavedan ke baad aur antim disbursal se pehle iss charan ka palan kiya jata hai. Kai baar aapko ek message milta hai jaise ki aapne kam byaj daro par pre- approved loan liya hai. To, Pre- approved Loan Kya Hai?

Pre-approved loan ek aisa loan hota hai, jiske liye aapke dwara avedan kiye bina hi, rindata pehle hi swikrit ho chuka hota hai. Yah banko aur vittiy sansthao dwara un grahakon ko pesh kiya jane wala utpaad hai, jin ka punarbhugtan itihas acha ho.

Kuch vittiy pradata un grahakon ko pre- approved loan bhi pradan karte hai, jinhone koi rin nahi liya ho. Lekin aaya ka ek ek accha parwah ho, sath hi sath credit card punarbhugtan record bhi thik ho. Halanki, in mein ek catch hai. Pre-approved loan ke offer mein ek samay seema bhi shamil hai.

Pre-approved loan ki 2 category hoti hai: Unsecured Loan aur Secured Loan.

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Pre- approved Loan Ke Liye Patrata (Eligibility for Pre- approved Personal Loan in Hindi)

  • Yogya grahakon ka credit itihas accha hona chahiye.
  • Aap bank ke maujuda grahak hone chahiye. Kujh bank naye grahako ko bhi karz dete hai.
  • Karz chukane ka saaf suthra record hona chahiye.
  • Bina credit itihas aur repayment record wale grahak bhi tab tak patra hai jab tak unke khate mein paryapt bachat aur aay ka ek sthir strot hai. “Personal Loan Pre-Approval and Pre Approval VA Loan”

Pre-approved Personal Loan Ke Liye Apply Kaise Kare

  • Agar aapke liye pre-approved loan offer uplabdh hai, to apne bank se sampark karen. Aap pre-approved loan ke liye patra hai ya nahi, yah janchne ke liye aap apne net banking account mein login kar sakte hai.
  • Vidhivat bhara hua loan application form jama kare. Jo rindata ki website, shakha karyalay, SMS ya mobile app ke madhyam se prapt kiya ja sakta hai.
  • Aavashyak rin rashi aur upyukt repayment awadhi chune.
  • Bank dwara safal verification aur prastav ki swikriti ke baad rin rashi aapke bank khate mein jama kar di jayegi. “Personal Loan Pre-Approval and Pre Approval VA Loan”

Pre-approved Personal Loan Ki Visheshtayen (Features Of Pre-approved Personal loan In Hindi)

  • Tvarit rin vitran: Yadi aap bank ya NBFC ke maujuda grahak hai, to pre- approved rin bahut kam samay mein sidhe aapke khate mein vitrit kiya jayega.
  • Nyuntam Documentation: Tatkal rin prapt karna aasan hai; prakriya ko pareshani mukt mana jata hai. Kyonki isme rin swikriti ke liye bhari document ki avashyakta nahi hoti hai.
  • Koi Sanpasharvik ya suraksha ki avashyakta nahi: Pre- approved loan grahakon ko tatkal rin prapt karne ke liye koi suraksha ya sanpasharvik pradan karne ki avashyakta nahi hai.
  • Alag alag rin rashi: Pre approved rin rashi pratyek vyakti ke liye bhinn hoti hai. Rin rashi grahak ke credit itihas aur repayment record jaise karko par nirbhar karti hai.
  • Chukoti suvidha: Aapko pre approved loan saman masik (EMI) mein chukane honge. Jin grahakon ka bank (rindata) ke pass maujuda khata hai, ve EMI ka bhugtan karne ke liye auto-debit suvidha ka vikalp chun sakte hai. Manak Chukoti awadhi 12 se 60 mahine hoti hai.
  • Fees aur charges: Rindata pre-approved rino jaise processing fees, security fees, EMI bounce charges, outstation collection charges, dandatmak byaj, foreclosure charges, aadi ke vitaran ke dauran aur baad mein grahako par kuch fees aur charge lagate hai. Niyam aur sharte lagu fees aur charges, karjdaro ke sath bhinn hote hain. “Personal Loan Pre-Approval and Pre Approval VA Loan”

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Pre- approved Personal loan Ke Labh (Benefits Of Pre- approved Personal Loan in Hindi)

  • Tatkal fund ya tvarit Funding: Pre-approved loan ke liye patra hone ke karan yah ek suraksha jaal ban jata hai. Jab aapko apni vittiy jaruraton ko pura karne ke liye tatkal funding ki avashyakta hoti hai. Verification prakriya safal hone ke baad kuch hi minute mein usi din rin swikrit aur vitran kiya jayega. Aap kisi bhi vyaktigat uddeshya ke liye rin rashi ka upyog kar sakte hai.
  • Pratispardhi Byaj Dar: Agar aapka credit itihas acha hai, to aap tatkal rin offer ke liye patrata rakhte hai. Aapka saaf chukoti record vittiy anushasan ko darshata hai. Isliye , rindata pratispardhi byaj dar par rin ki peshkash karega kyonki aap rindata jokhim/ credit-jokhim shreni ke antargat nahi aate.
  • Suvidhajanak Rin Awadhi: Aap apne liye upyukt rin chukta awadhi chun sakte hain. Yah aamtaur par 12 se 60 mahine ke beech hoti hai. Rin awadhi chunte samay apni chukoti kshamta par vichar kare, taki aap rin chukoti mein chuk na kare.
  • Nyuntam se Shunaya Documentation: Maujuda grahak jo tatkal rin ke liye patra hai, unhe documentation ke bare mein chinta karne ki jarurat nahi hai. Kyonki bank ke pass aapke KYC, bank aur aaya vivaran unke database mein honge.
  • Paperless Application Process: Adhikansh rindata online rin suvidha pradan karte hai. Jisme aap online form bharkar aur jama karke unki website ya mobile app ke madhyam se pre- approved rin ke liye aavedan kar sakte hain. Avashyak document ki soft copy rindata ki website ya mobile app par avashyak format me upload ki ja sakti hai.

मोबाइल से लोन कैसे ले सकते है?

  • Tvarit Processing time: Chunki aap pehle se hi rin ke liye patrata mandand parit kar chuke hai. Isliye aap par gambhir jaanch nahi hogi. Yadi aapke kagjat karam mein hai aur sabhi vittiya jankari mail khati hai, to aapka rin swikrit aur ek din ke bhitar vitrit kiya ja sakta hai. “Personal Loan Pre-Approval and Pre Approval VA Loan”
  • Negotiation Power: Pre- approved loan mein, bank aapke paas ek utpad lekar aa raha hai aur aapke anurodh ke sath chalne ke bajay. Iska matlab hai ki aap apne bank manager ya relationship manager ke sath rin ki sharton par batchit karne aur byaj dar kam karne ya karyakal ya repayment awadhi badhane ki sthiti mein hai. Yadi aap online awedan kar rahe hai, tathapi, yah labh uplabdh nahi hoga kyonki isme koi manviya hastakshep nahi hai.
  • Vishesh Shoot: Aapko pre- approved personal loan lene ke liye aur lubhane ke liye, bank chote labh bhi jod sakta hai. Jaise processing shulk mafi, niyamit grahakon ke liye usse kam byaj dar, 1-3 mahine ke liye EMI avkash, aadi. Yadi aapko vastav mein rin ki avashyakta hai, ye anulabh aapke kul anumanit rin ko thoda kam karne mein madad karenge.

Pre-approved Personal Loan Ke Nuksan (Disadvantages of Pre-approved Personal Loan)

  • Pre approved rin ek vishesh saude ke roop me kewal kujh dino ke liye vaidhya ho sakte hai. Isliye yadi aap vaastav mein rin lena chahte hain, to aapko teji se karya karne ki avashyakta hai.
  • Ek baar pre- approved loan ka prastav dene ke baad koi bank aapke loan ko manjuri dene ke liye kanuni roop se badhya nahi hota. Yadi aapke documentation ya credit score mein koi visangati payi jati hai, to avedan ko asweekar kiya ja sakta hai. “Pre- approved” kewal rin ke liye aapki patrata ko darshata hai, na ki tatkal swikriti aur disbursal ko.
  • Pre- approved loan sweekar karne se pehle niyamit ke liye byaj dar ki jaanch karen. Halanki yah kafi sambhavna hai ki aapko swikrit rin par byaj dar bajar dar se 1-2 % kam ho sakti hai, kujh bank pre- approved grahakon ke liye apni byaj dar badha sakte hain.
  • Kisi bhi bank ke sath loan deal sign karne se pehle fees aur charges ke schedule par ek najar dal le. Kuch bank pre- approved rino par atirikt processing shulk le sakte hai, ya transaction shulk jaise atirikt shulk laga sakte hai, ya foreclosure aur aanshik purav bhugtan lar ucch jurmana laga sakte hai. “Personal Loan Pre-Approval and Pre Approval VA Loan”

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