Personal loan
Personal Loan ek unsecured loan hota hai jo bank ya financial institution kisi vyakti ko uski personal zarooraton ke liye deta hai. Iske liye aam taur par kisi property ya asset ko security (collateral) ke roop mein girvi rakhne ki zaroorat nahi hoti.
Personal Loan ka Upyog
- Medical emergency
- Shaadi ke kharche
- Education expenses
- Home renovation
- Travel expenses
- Debt consolidation
Personal Loan ki Visheshataen
- Collateral ki zaroorat nahi
- Fixed EMI mein repayment
- Loan amount aur interest rate aapki income aur credit score par nirbhar karte hain
- Tenure aam taur par 1 se 7 saal tak hoti hai
Udaharan
Agar aap ₹5 lakh ka personal loan 5 saal ke liye lete hain, to aap har mahine EMI ke roop mein principal aur interest dono chukate hain.
Simple Definition:
“Personal loan ek aisa loan hai jo vyakti apni vyaktigat financial zarooraton ko poora karne ke liye bina kisi security ke bank ya finance company se leta hai aur use EMI ke madhyam se wapas chukata hai.”