CIBIL Score Loan: Aajkal har kisi ko kabhi na kabhi badi amount ki zarurat padti hai. Chahe ghar banwana ho, shaadi ke kharche ho, business start karna ho ya bacchon ki padhai ka kharch, log aksar bank se loan lena pasand karte hain. Lekin bank tabhi bada loan deta hai jab aapka CIBIL score loan ke liye sahi ho. To sawal yeh hai ki agar aapko ₹10 lakh ka loan chahiye, to aapka CIBIL score kitna hona chahiye? Chaliye iske baare mein detail mein baat karte hain.
CIBIL Score Loan ke Liye Kyun Zaroori Hai?
CIBIL score ek tarah se aapke financial habits ka report card hota hai. Yeh batata hai ki aapne apne purane loans ya credit card bills kitni imaandari se bhare hain. Har baar jab aap EMI ya bill time par pay karte hain, aapka score better hota hai. Banks aur NBFCs (Non-Banking Financial Companies) loan dene se pehle aapka CIBIL score loan application ke saath check karte hain. Agar score acha hai, to loan jaldi approve ho jata hai aur interest rate bhi kam milta hai. Par agar score low hai, to ya to loan reject ho sakta hai ya phir interest rate zyada hoga.
₹10 Lakh ke Loan ke Liye Kitna CIBIL Score Chahiye?
Agar aap CIBIL score loan ke liye perfect range mein chahte hain, to 750 ya usse zyada ka score ideal hai. Banks aur NBFCs generally 750+ score walon ko easily ₹10 lakh tak ka personal loan ya business loan dete hain.
- 750-900: Yeh best range hai. Isme loan jaldi milta hai, interest rate kam hota hai, aur processing fees bhi low rehti hai.
- 700-749: Is range mein bhi CIBIL score loan ke chances hain, lekin interest rate thodi high ho sakti hai ya loan amount pe kuch restrictions lag sakti hain.
- 650 se neeche: Agar aapka score isse kam hai, to ₹10 lakh jaisa bada loan milna mushkil ho sakta hai. Banks ya to reject kar denge ya phir high interest rate aur strict conditions lagayenge.
EMI ka Hisaab-Kitaab
Chaliye, maan lete hain aapko ₹10 lakh ka loan milta hai 12% interest rate pe aur 5 saal ke tenure ke liye. Toh EMI ka calculation kuch aisa hoga:
| Loan Amount (₹) | Interest Rate (%) | Tenure | Monthly EMI (₹) | Total Interest (₹) | Total Payment (₹) |
|---|---|---|---|---|---|
| 10,00,000 | 12 | 5 saal | 22,244 | 3,34,640 | 13,34,640 |
Is table se clear hai ki aapko har mahine lagbhag ₹22,244 EMI deni hogi. 5 saal mein aap total ₹13.34 lakh pay karenge, jisme se ₹3.34 lakh sirf interest hoga. Agar aapka CIBIL score loan ke liye acha hai, to shayad interest rate kam ho aur EMI bhi thodi ghat jaye.
Acha CIBIL Score ke Fayde
Ek strong CIBIL score loan lene ke process ko bahut smooth bana deta hai. Yeh kuch key benefits hain:
- Fast Approval: Banks high score walon ke loan applications jaldi approve karte hain.
- Low Interest Rates: Acha score matlab kam interest, jisse EMI aur total repayment ka burden kam hota hai.
- Flexible Terms: High score wale customers ko banks repayment tenure ya conditions mein flexibility dete hain.
- Kam Processing Fees: Acha score wale borrowers ko processing charges mein bhi discount mil sakta hai.
Low CIBIL Score ki Problems
Agar aapka CIBIL score loan ke liye low hai, to yeh issues aa sakte hain:
- Loan Rejection: Banks low score wale applications ko aksar reject kar dete hain.
- High Interest Rates: Agar loan mil bhi jata hai, to interest rate itna zyada hota hai ki EMI afford karna mushkil ho jata hai.
- Extra Conditions: Low score wale borrowers ko guarantor ya collateral dena pad sakta hai.
- Stressful Process: Loan approval mein time lagta hai aur documentation ka jhanjhat badh jata hai.
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CIBIL Score Kaise Improve Karein?
Agar aapka score low hai, to pareshan hone ki zarurat nahi. Kuch simple steps se aap apna CIBIL score loan ke liye better kar sakte hain:
- Time par Payments: Credit card bills aur EMI hamesha due date se pehle pay karein.
- Credit Utilization Kam Rakhein: Credit card ka zyada balance use na karein. Ideally, 30% se kam credit limit use karein.
- Multiple Loans Avoid Karein: Ek saath bahut sare loans ya credit cards ke liye apply na karein, yeh score ko hurt karta hai.
- CIBIL Report Check Karein: Regularly apna CIBIL report check karein aur koi galti ho to use fix karayein.
Pro Tip: Loan se Pehle Planning
Loan lene se pehle apna CIBIL score loan eligibility ke hisaab se check kar lein. Agar score 750 se kam hai, to pehle usse improve karne ki koshish karein. Isse na sirf loan approval jaldi hoga, balki aapki interest cost bhi bachega. Saath hi, apne budget ke hisaab se EMI plan karein taaki repayment mein koi dikkat na aaye.
Disclaimer: Yeh article sirf general information ke liye hai. EMI aur interest rate ka calculation average 12% interest rate pe based hai. Har bank ke terms, interest rates aur CIBIL score loan requirements alag-alag ho sakte hain. Loan lene se pehle apne bank ya financial advisor se complete details zaroor lein.
