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Dp oMYjl 20 Dmhm vWoCk=l j^dz i=nJdz yBk DC kbhv Dnl, lj mcj 200 h# DOk vWoC vmuu i=nJdz kbhv Dnl. Ijkub mJhv hC& kjCm mbmL Dhuu Jdz mn糳 ol Dmll. c$ lm mbmLbk[v kn yy Jjl Ilu pll, l vckw kCl cnl oC n lv...

Dhub mJl: cukǮb Ij DmJb, n lkb mJhv Dmlb DC ynlkbv D<l Sko Ij ICb Mkw Dmlb. Dvk i=nJdz yBk J kbhv n mJhv hC& kjCm Dhuu D|Lk mn糳 oT kjll. iu kn oJmbl Jpojl c cCl I nl Dmuv i=nJdz kbhvn Dhu kp&Jj Dk<&k Jpoj Jl Dnl. lcU mJ&$ mhO& Dmub omlb. Dp oMl mcj 20 Dmhm vWoCk=l j^dz i=nJdz yBk J kbhv Dnl, lj mcj 200 h# DOk vWoC Dmuu i=nJdz kbhv Dnl, mJ& yBk nkb mvmj, DJMklvmj, lbh{ vJvJv h& Jl Dmll. Dmb Dmub, lj lk ijp J i=nkp& ICm h$ Dmu Dmb vn. m i=nJdz mbmLk[v Kuu yy Jjl Ilu pll. cO Dp&oj GlhV, J, kbylu DJubyv Dmuu JR mbK, Lkl kpx, GlhV Flj ci&, kbylu kcJl JR mbK, cmk GlhV mll, ylǮ mJh J M#Ck iCJ F.

lc kp& hjlH[Ǯ #cl J{JCm hl/hlv DM oIb vJ mbhC kp& Il l. oIbn cmk GlhV Sk$l Jj kucU Dp&ojm l Ho nl. c$ nkbv Dm JJnj kjlv Kuu i u#l JCb HoMj jlb.

i=nJdz mbmLk[v ICl CN kp&Jju Jp oj n kp& jkwkc DC moj kp& kl J<祮 colJj Ilub Dn, Jj DJubyv Dmlb. mJ&mOjChC oI& colm Iluub kp&, Duh colm Iluu kp&h# DOk cni h[lb. kjC oI& colǮ kp&l Jdz mbmLv c kuJOm Ok hlkjuu Dml. MJ kp&ojm Dvk J<x Jpoj YjJ uil.

Jdz mbmLk[v i=nkp& cUCj Dmub, lj mJlu kn npjb jkwkc lc箳 nll DmJ uil. i=nJdz kbhv movk SkC jkchk 80 l 90 kwk jkwkc kp& mJhl hjJl Dml. movk Kjo JJnjl uiCjb vWoC Muk, cbk Muk b mcj Ij箳 kclǮ 10 l 12 kwk Flk K& i=nkp&cO mcJ Dml. c$ Gjuu Dlj jkwkc Dp&oju YjJ uil. MJ uiCj Ƭ Muk J Mmkdz Muk n Dp&oju YjJ uil, n Jmv uCj vn. l mOjChC kp& jkc ov kwk Flkb Dmlb.

mcv cmk nhlcO (F&ScD) coulu DC Jp kl jkwkc mcJ kuu Dml ? F&ScD n kp& k{Cl Duu jkwkc DC lJj DkjCl Duu Jpoj vmj vƽl kjCl l. F&ScD oj cnvm YjJ Dml. lb mbK kp&colJv jJCl l. pj kp& oI& colm Dmu, lj lc箳 F&ScD mbK J{l. mOjChC Sko vƽl kjCl Duu F&ScD col DKjhl l jnl. c$ llu hjl kjJ cu DC YjJb Jp cO you nl. kp& hjlH[Ǯ mJlǮ kUl F&ScDcH&l YjCl Cj Jp jkwkc pml Dml, lj cu jkwkc kc Dml, kn J<x Guuvblj F&ScDcOu cu jkwkc J{JCl l DC Jp jkwkc kc nl.

JUJj F&ScD YjCNbv yvm cUl cnCp k ? kn i=nJdz kbhv, vO&jl kuu JUJj F&ScD YjCN nkbv kn mJul oT kjll. c$ nkv 12 l 15 cnv mllv F&ScD Yju hnp. m nkbv mJl:nv yvm (mJul) kjl i=nJ kbhvk[ JjC ku hnp.

F&ScD vƽl kjC箳 JJO hl- Daily reducing monthly reducing quarterly reducing half yearly reducing or anual reducing Do hlRv F&ScD vƽl kjCl l. Dvk i=nJdz kbhv Jju hl nkbmcj cb[ll. Daily reducing basis Jj vƽl kjCl Duu F&ScD mJ&l kc Dml, lj Annual reducing basis Jj vƽl kjCl Duu F&ScD mJ&Ok Dml.

Prepayment kjJb Dmu, lj... - pj i=nkp& Iluvblj vpk kUl, Flj kn cuc Jj DLJ Dv kn ci&v c jkwkc lc箳 nl h[Cj Dmu J llv kp& Yj kn cCl nuk kjC lc pv Dmu, lj lcn l k Mkl. c$ lm kp& Ilv lcn JjhJ&k Jdz kbhvǮ vJ[ kjJm nJ. ynlk mJ& Jdz kbhv Prepayment u hjJvi oll, hjbl kn Jdz kbhv Prepayment Jj ov kwk ob[ Dkjll. lj kn kbhv DO& jkc hjlH[Jj (part prepayment) Muk Dkjl vnl. lcU pj lc箳yyll Dmb kn Mkw Dmu, lj Jdz kbhv vJ[lv yyl Jj kjCb DJMk Dn.

pJn lcn kp& kn jkwkc colhJa H[l, lJn Gjuu kp& yyll F&ScD kc kjJ EkJ kp&col kuJO kc kjJ hk h& lc箳mcj Dml.

Insurance Cover- kn i=nJdz kbhv Dhu nkbv DvkhC DhIl c=l D{Ju, lj Jcb mbj#C oT kjll. lJj kCln Dlj Muk Dkjub pl vn. nkb v n DlM HoMj Dmv, lcU lcb Ij J kbydz mj#l Dmll. kp&oj箳 c=lvblj lb kbybv kp& hjlH[mboY&l kun $m nl vn. GJ&jl kp& Insurance Cover cOv klb kub plb. lJj kCln kj F&ScD YjJ uil vn.

kjmJulyyl cnl Dm - vJv Ij Kjokjl mJl: yllu hm JhjCb, h# i=nJdz kbhvk[v i=nkp& ICb Dp箳 hjmLll DOk HoMj jlb Dn. lb cK kjC cnCp Iluu kp&Jj J JpJj cUCN kjmJul. i=nkp&Jju JpJj nkbv Sk uK 50 npj hbhl kjmJul cU Mkl. c$ kjl p movkm kp& ICl Dub Dn, ll kp&ojv jnJm hnp, DM D Dn, lmb SkC i=nkphk cu jkc hjlH[Jjn 20 kwk m cU Mkl.

 

     
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