आज के समय में personal loan सबसे ज्यादा लिए जाने वाले loans में से एक है। शादी, मेडिकल खर्च, education, travel या किसी emergency में लोग personal loan का सहारा लेते हैं।

लेकिन bina sahi jankari ke personal loan lena future me financial problem create kar sakta hai।
Is article me hum aapko personal loan apply karne se pehle ki 10 sabse important baatein simple Hindi me batayenge।
                           

1️⃣ Personal Loan Kya Hota Hai?

Personal loan ek unsecured loan hota hai, matlab isme koi bhi collateral (property, gold) dene ki zarurat nahi hoti।
Is wajah se personal loan ka interest rate thoda zyada hota hai.

2️⃣ Eligibility Criteria Samajhna Zaroori Hai

Har bank aur NBFC ki eligibility alag hoti hai, lekin common points ye hote hain:

  • Age: 21–60 saal

  • Monthly income stable honi chahiye

  • Job/business continuity

  • Minimum CIBIL score (usually 650+)

👉 Apply karne se pehle apni eligibility check karna zaroori hai.

3️⃣ Interest Rate Compare Karo

Personal loan ka interest rate bank to bank vary karta hai।
Kuch lenders low interest ka ad dikhate hain, lekin final rate aapki profile par depend karta hai।

✔ Hamesha 2–3 lenders ka interest rate compare karo
✔ Sirf “starting interest rate” par trust mat karo

4️⃣ Hidden Charges Ko Ignore Na Karein

Bahut se log sirf EMI dekh kar loan le lete hain, jo galat hai।

Common charges:

  • Processing fee

  • Late payment penalty

  • Foreclosure charges

  • GST & other taxes

👉 Loan agreement dhyan se padhein.

5️⃣ EMI Calculation Pehle Hi Kar Lo

Loan lene se pehle EMI calculate karna bahut important hai।

Check karo:

  • EMI aapki income ke andar hai ya nahi

  • Monthly budget disturb to nahi hoga

Rule:
👉 EMI monthly income ka 30–40% se zyada nahi honi chahiye।

6️⃣ CIBIL Score Ka Role Samjhein

CIBIL score personal loan approval me sabse bada factor hota hai।

  • 750+ = Best chance & low interest

  • 650–749 = Average

  • Below 650 = Rejection ya high interest

👉 Apna CIBIL score pehle hi check kar lo.

7️⃣ Loan Tenure Samajhdari Se Chune

Tenure matlab kitne time me loan repay karna hai।

  • Short tenure → EMI zyada, interest kam

  • Long tenure → EMI kam, interest zyada

✔ Apni payment capacity ke hisaab se tenure choose karein.

8️⃣ Loan Rejection Ke Common Reasons

Agar aapka loan reject ho jaata hai to wajah ye ho sakti hai:

  • Low CIBIL score

  • Income proof clear nahi

  • Existing loans zyada

  • Frequent job change

👉 Pehle problem identify karo, phir apply karo.

personal loan kaise le

9️⃣ Fake Loan Offers Se Bachein

Aajkal internet par bahut se fake loan offers milte hain:
❌ “Guaranteed loan”
❌ “No CIBIL check”
❌ “Advance fee maangi jaati hai”

✔ Genuine bank ya NBFC kabhi bhi advance fee nahi maangta.

🔟 Sirf Zarurat Ke Liye Hi Loan Le

Personal loan ek responsibility hoti hai।

Loan tabhi lein jab:
✔ Real need ho
✔ Repayment plan clear ho
✔ Emergency fund available ho

👉 Unnecessary loan future me stress badha sakta hai.

FAQs (Frequently Asked Questions)

Q1. Personal loan kitne din me mil jata hai?

Agar documents complete hon to 24–72 hours me approval ho sakta hai।

Q2. Kya low CIBIL score par personal loan milta hai?

Haan, lekin interest rate(ब्याज) high hota hai ya co-applicant chahiye hota hai।

Q3. Kya student personal loan le sakta hai?

Generally nahi, jab tak income proof ya co-applicant na ho।

Disclaimer

Yeh article sirf educational aur informational purpose ke liye hai। Loan lene se pehle bank ya financial institution ki official terms & conditions zaroor check karein।

निष्कर्ष (Conclusion)

Personal loan ek helpful financial tool hai, lekin bina sahi planning ke liya gaya loan problem ban sakta hai।
Agar aap upar batayi gayi 10 baaton ka dhyan rakhenge, to aap safe aur smart decision le paayenge।

personal loan kaise le