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i=n Hvvm uc[ i=nkp& pv

i=n Hvvm u. n IjybOCm kp&hjJ kjCj kbhv, kbhv DOvc 1956 Dbli&l pu 1986 cO mLhv kjCl Du. i=n Hvvm u. n S[SHmǮ mni kbhv Dn. hv|J mJOm Dn&lhl kbhv cnCv v@Mvu nTEmi yBkv (SvSy) i=nu cvl ouu Dn.
i=n Hvvm u. mbhC& cnj^ DC ipjl jpbl 50 h# DOk MK k&u Dnl. i=n nkb mbK ml npjbJj iu Dmv, Dlhl mcj o[ npj k hb kp&Jh Puu Dn.
i=n Hvvm u.j kCn vkjoj JRv, JJmƳkbv DC mJbjpijJju JRv iJbcO, s J c MnjbcO IjybOCm, Jkl ICm, i=nJmljm, omlm, JJm DLJ k&um pi Jkl IC Do JJO GMbkjl i=nkp& GhuyO kjCl l.
i=n Hvvm u. JJO pv J JJO kp& coll DmCj Jpoj yyl l myl ol Dnl :


1) i=n kp& (Home Loan) :- hjlH[Ǯ #clvmj Dp&oju cuc kclǮ 85% hl kp& cU Mkl. Sk Ju i=n Hvvm u. pmll pml . 50/- uKbhl kp& ol. JmlJk kp& jkwkc vƽl kjCm Dp&oj/ mnDp&oj GlhV, J, GlhV mL̳&, yl, cuc J ol F. Ik Jjl Ilu pll. n kp& lj l Jpojv (Floating Rate) Il l. kp& jkc 1% jkwkc Ƭ Muk cnCv Dkju pl.
2) i=noml kp& (Repair Loans) :- Ijlu Dbli&l EkJ y oml EkJ Ijl kn vJv you DLJ mOjC (vlvkjC) kjCm pvl kp& Il l. kCn vkjoj J, JJmƳk EkJ mJbjpijJju J m Dp& k Mkll. hJa i=n Hvvmk[v kp& Iluu Jm hvn kp&m Dp& k Mkl. pvl kcl kc 10 npj h l pmll pml 5 uK hbhl kp& GhuyO nl. m kcu kp&col 15 J<x Flk Dn. pvl jJk ojv JhjJ (Fixed Rate) nl.
3) YKb[/pcvm kp& (Plot/Site Loans) :- kCn vkjoj J, JJmƳk EkJ mJbjpij DmCN JRv vJm YKb[ EkJ pcv Kjom n kp& Il l. kcl kc 10 npj h l 25 uK hbhl l GhuyO nT Mkl. m kcu kp&col 15 J<x Flk Dn. SkC kp& jkc 2% jkwkc Ƭ Muk cnCv Dkju pl. n Muk hjl ku pl vn. pvl jJk ojv JhjJ (Fixed Rate) nl.
4) DvJm cuc kp& (Non-Residential Property Loan) :- JJmƳk, Jhj lm k@hxj y@[pdv DvJm cuc Kjo kjC EkJ ybOC kjl n kp& ou pl. Dp&oj J ciu lv J<hmv mbybOl GiObl Dmu hnp. lm l JǮ ciu lv J<l mjmj vJJU vH 40 npj h DC mjmj vJJU hl nCj jK jkwkc 60 npj h Dmu hnp. mlJl cuc SkC kclǮ 85% Flk kp& cU Mkl. lm pmll pml 25 uK hbhl l GhuyO nT Mkl. mǮ kcu kp&col 15 J<x Dn. pvl jJk ojv JhjJ (Fixed Rate) nl. SkC kp& jkc 2 % Flk jkwkc Ƭ Muk cnCv Dkju pl.
Jju mJ& pvbcO kp&hjlH[ cu J Jp b mcJM Dmuu mcv cmk nhlbj (F&ScD) ku pl. p cnvl lcn kp& hC& jkwkc Guu, l箳 vblj cnvhmv hjlH[u mJl nF&u. lcn kp& hnu jkwkc Guuvblj DC lc cmk nhl m nCojcv箳 kuJOmǮ F&ScD-hJ& Jp F&ScD p ojJj DOjl Dmu l ojv kp& Guuu jkcJj oj cnvm o Dmu.
kp&Jh km nF&u?
kp& Dp&Jj Ƭ Puvblj Dioj kp& lJl: cbpj kjCl F&u. JmbmL lb$k DC koMjJ<k ijp hC& Puvblj kp& Jh kjCl F&u. ybOkc箳 ilvmj kp& hC&l: EkJ nhlnhlv ou pF&u. kp&JhhJa Dp&ojv mJl: DbMov hC&l: Yjuu Dmu nJ. (DbMov cnCp Dbop Ekcl Jp `i=n`v mbcl kuu kp&.)
ljC k JJb uilb?
p cucu JhjJ kuu Dn, lb hnub inCKl i=n Hvvm u. vJ, M<&kvc u [[dm pc kv kjJb uilb. MJ Sk EkJ DOk JR J̳k nch$b pcC ui Dmu lcC moj kjJ uilu. i=nu mJkjn& DM Dlj ljCbn ijp Ym Mku. cuc M<&k hC&l: c J hCvdz lm kCln kj Yjhmv c Dmu K$ kv IC pyyoj Dp&oj Dmu. m SK Jkuv ouub u kwuDjvm m|Hk (mm) i=nk[ moj kjJ uiu.
p cucu JhjJ kjJ Dn. l cuc kclh# kc vmuu jkcm DC kp& colh# kc vmuu colm Jc GljJv h@um i=n Hvvm u. vJ kv J uiu. i=n Hvvm u.k[v Iluu kp& JUh$khJa hjl kjl F&u. c$ colhJ& Jcvm JUJU ui Dmuu Dkj YjJ uiu.
nkbv kp& hjlH[ Dhhu hjmLlvmj DC ijpvh kjl J kjl i=n Dv pv :-
1) Step Up Repayment Facility (SURF)- pvvmj pj kp&oj箳 GlhVl YJ<l J{ nCj Dmu, lj lvmj F&ScD vƽl ku pl.
2) Flexible Loan Repayment Plan (FLIP)- h&vmj Dp&oj DC mnDp&oj oIbn cmk GlhV Jjl ITv F&ScD vƽl ku pl.
3) Balloon Payment - - h&vmj pj Dp&ojm vpk YJ<kUl c jkwkc hl nCj Dmu lj, kp& mbcl kjlv lm F&ScD vƽl kjlv l Jj ku pl.
kjmJul- mJl: jnl Dmuu Ijm i=nkp& ICN nkbv Dkj ko 1961 kuc 24 DC kuc 88 Dbli&l kjmJul cUl.

 

     
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