'It's easy to get a loan unless you need it'
~ Norman Ralph Augustine

Bank loan hih inlam khawng (Lamka leh a sehvel) ah muh haksa mahmah ahi kha maithei. Hilele mundang deuh (Metro leh tier I, II, III cities) vel a sepna nei a om, mimal ahih keileh family a omte adin ahak sa lua ahi kei. Aziak ahih leh bank a tam ban ah, loan toh kisai documentation leh sai neuhneuhte kha a baihlam mahmah. Delhi le khopi mundang tuamtuam a om na hih a, Personal Loan hiam, Bike/Car Loan hiam, Housing Loan hiam deih na hih leh amasa (Part-I) a i gelhte leh hiai anuai a i gelhte na neih kipha moh ding:

1. Bank Account (Bank Account hoihtak na neih leh loan lakna dia naa kimkhat zousa tuk na himai)
2. PAN Card
3. Latest 3-6 Months Salary Slip (sepna/loh neilou na hih leh - business hiam, self-employed hiam na hih leh - 3 years Income Tax Return (ITR) along with computation of Income )
4. At least 6 months Bank Statement (Bank dang a Loan apply na hih leh)
5. Co-Applicant di (Na Pasal/Na Zi/ Na Pa/Na Tapa/etc .. **Tanu te kha Co-Applicant dia zattheih louh dan ahi)
6. Guarantor: Na Tanau hiam, na kinaihpih deuh, sepna/income hoih neideuh ahih keileh na seppihte hiam khat bang le hithei)

Ataangpi a hiai atung a i gelhte loan toh kisai a poimohte ahi deuh tangpi a, a loan product dungzui in extra document tuamtuam le apoimoh ding.

Etsakna: Housing Loan bang deih na hih leh amasa in Evaluation Report, Legal Opinion, etc. te khawng alou theilou ahizel, hilele huchibang technical requirements te chu i gen suak khakei di.

 

FAQ's dandeuh in hiai anuai ah kon gelh suk deudau a, a phattuampih i om zenzen khakleh:

FAQ's on Bank Loan :

1. Personal Loan lak theihna dia bangbang poimoh?

#Sepna kichian/Salaried Person na hih keileh zaw personal loan Bank te apan a kinep huai kei, aziak ahih leh 'Loan Security' dukdak omlouh ziak ahi. Salaried person na hih a, na Salary kha na Bank Account a hong ki credit zel ahi diakdiak leh bel Personal Loan chauh hilou, Loan khatpeuh na deih le na Bank te va approach lechin hon na welcome mahmah di uh ahi.

 

2. Bike/Car loan ladek bang hileng bangbang apoimoh dia? Down Payment kichi bang ahia?

#Atung a i gensate ahimai a poimoh kha, i gen tak sa mah bang in Sepna/Salaried person adin chu Loan himhim asai anuam mahmah Apatna di chu na Vehicle Dealer te kiang a Quotation/Invoice' va laak masak phot di ahi mai. Huai zoh chu na bank ah vapai lechin amau apoimoh dandan hon na brief ziahziah mai di uh ahi. A document i chih tepen atung a i gen suk te himai ahi, adang bang mah thupi om tuanlou.
Loan himhim ah 'margin' money (down payment i chih uh) omvek phial ahi. Hiai omdan ahihleh bank ten na Gari lei kha 100% hon finance sak mawklou di un, ataangpi a 75-80% tanbang hon finance di uh ahi.
Etsakna din: Volkswagen Polo-Rs.4 lakh man loan ngaihtuah inla, na loan lakdekna bank te Vehicle Loan margin 75% bang hitaleh, nang kha 25% down payment na piak ngai ding, ie. Rs.1 lakh sum nei lem bang na hih ngial lechu 50% tan bang down payment in pe lechin, na EMI bang le tawm deuh di, nang adia lawk mahmah hi ding.

 

3. EMI kichi bang ahia?

#EMI i chih a lamsau 'Equated Monthly Instalment' ahi. Loan amount, Loan Interest leh Loan Duration, hiai component tengthum zang a EMI ki calculate ahi. Na Loan laak aditna dia khateng a Instalment napiak di pen khah EMI kichi ahi mai. Na Loan Amount, Interest leh Repayment Years in na EMI zah thu apaw ding.

 

4. Fixed rate toh Floating rate of Interest bang a a kibatlouh na bang ahia?

#Bank ten hih Loan interest revision, ataangpi in quarterly teng in revise sek uh hi, RBI te Monetary Policy pai dandan dungzui in Interest rate hih niam zel, hih saang zel dan uh ahi. Fixed rate option a Loan la nahih leh huai in na EMI a hihbuai tuankei di. Hilele Fixed rate a kichih hang in, Kum 5 zoh chiang a bank ten revise theih na option nei zel thou uhi.

Floating rate i chih chiang in Bank ten Interest rate a revise dandan ua na Loan interest pen le ana paipai di chihdan ahi. Fixed rate of interest ah Loan Interest sang zaw, Floating Rate sang in, aziak ahih leh Risk factor tawmzawk ziak ahi.

 

5. Base Rate kichi bang ahia? Loan interest toh bangchidan a ki saikha ahia?

#Base rate i chih pen Bank chih in nei, a houpen a gen in, bank ten Loan himhim a 'Base Rate' nuai ua petheilou, loan Interest niam penpen, a benchmark chih di hinte. Hilele khenkhat Govt Scheme/KCC etc te bel Base Rate in huamkha lou a, Base Rate sang a interest niamzaw in loan muhtheih hi.
Etsakna din ah: XYZ Bank te Base Rate 9.5% hita, nang amau kiang a Car Loan 12% floating a lata, huai khah na bank ten Base Rate 9% bang in hon revise leu, na interest pen 11.50% hongtung suk di. Bank Loan himhim a Base Rate toh ki link vek chidan ahi. Bank te Base rate a saang leh loan interest le sang di, aniam leh loan interest le niam ding.

 

6. CIBIL kichi bang ahia?
#Credit Information Bureau India Ltd. kichi hi agency khat, credit database kaikhawm tu khat ahi. Bank tuamtuamte kiang a Loan latu te credit history (loan din kik gina hia ginalou, loan a lakte ngaihsak pahpah leh ngaihsak loute khawng record) supply tu ahi. Tuchiang in CIBIL report study masalou in Bank ten Loan pe mengmeng nawnlou uh. Loan kibaang na neih hia, Credit card overdue munlua bang nahih zenzen leh chu na CIBIL score tawm mahmah ding in, Loan lak haksa diak di.

 

7. Public Sector Bank (PSB) vs Pvt Sector Bank :
Loan toh kisai a PSB te Private Bank te sang ahoih zawk na ahihleh na EMI geihgeih piak ngai chetchet lou, na neihlem dan a na EMI sang a tam zaw tham bang le na Loan A/c a deposit theih, Loan himhim reducing ahih chiang a a tamzaw na piakkik baih theih leh interest tawm pekha suak ding himai. Private Bank ah ahih leh atangpi in EMI based a instalment piak chetchet ding hideuh. Adang zaw akibatlouh na uh om in ka thei kei.

 

Kipak.

 

Read more:

Banking Products and Services-I: Deposits

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