Money ke udhar ko hum Loan kehte hain. Loan basically vo amount hota hai jo ek person (jinhe hum borrower kehte hain) doosre person se (jinhe hum lender kehte hain) udhaar lete hain. Lender ek person ya ek bank jaise koi financial institution ho sakta hain.
Ye amount borrow karne se borrower ek tarah ke debt (karz) me aate hain jisey chukaane ke liye unhe ek interest (byaaz) dena padta hai.
Loan ke 3 components ya parts hote hain:
- Principal amount: Jo paisa aapne borrow kara hai ya udhaar liya hai
- Interest rate: Byaaz ka rate. Yeh isliye hota hai kyunki loan na chukane ka risk lender ko hamesha rehta hai
- Tenure: Loan chukana ka time period
Loan ek contract hota hai. Isliye, har loan ki kuch terms and conditions ya sharte hoti hain jinko loan lene/dene se pehle borrower aur lender dono ko agree karni hoti hain. Aur kuch cases me borrower ko apni koi cheez girwi bhi rakhni pad sakti hai.
Loans insaan, companies, aur governments ko diya jata hai.
Loan kyun lein?
Kabhi kabhi kuch cheezein kaafi mehengi aati hain jinke liye hamare paas saara amount ek sath nahi hota hai. Jaise ghar khareedna ho, hospital ka bill chukana ho, padhai ke liye paisa ikattha karna ho, etc. Aisi situations me loans hamari help karte hain.
Although, loan dena bank ki ek important responsibility hoti hai, aap bank ke alawa apne kisi dost, rishtedaar, ya koi aur financial institution se bhi loan le sakte hain. Magar yaad rakhe, har loan ke liye sharte hamesha hongi.
Iss article mai hum baat karenge student loans ke baare me. Cover karenge ki:
Student loan kya hota hai?
Student loan ek aisa loan hota hai jo students ko unki padhai me help karta hai. Isey hum Education loan bhi kehte hain.
Education loan, simple bhasha me, aisa loan hai jo aapki padhai ki cost ko cover karta hai, magar iss ummeed ke sath ki aap future me isko chuka paenge. kyunki jaisa ki hum jaante hain, har loan ki hamesha koi na koi shartein hoti hain.
Student loan ki zaroorat kyun hoti hai?
Hume aksar lagta hai ki education loan lene se hamari image par bura asar padta hai. Aisa nahi hai. Hum jitna sochte hain, education loan ussey kayin zyada common loan hai. Chances hain ki aapke aas paas almost har kisi ne kabhi na kabhi apni life me student loan ke liye apply zaroor kara hoga.
Magar yeh kyun zaroori hota hai? Baat darasal aisi hai ki padhai har din mehengi hoti jaa rahi hai. Lekin padhai zaroori bhi hoti hai. Aaj kal aap apni investment se hi saari fees bhar payein, aisa bahut kam hota hai. Isliye, loan lena aur bhi zaroori ho jata hai.
Is loan ke liye apply karne par student main borrower hote hain. Unke sath, zaroorat padne par, co-applicant ke taur par unke parents, bhai-behen, ya jeevansathi bhi khade rehte hain.
Student loan ki application ke liye kya documents chahiye hote hain?
Loan dene ka jo criteria hai, vo aksar bank to bank change hota hai. Magar, in general, ye kuch documents hume zaroor chahiye hoti hain:
– KYC documents
– Aapki bank statements
– College admission letter
– Purani mark sheets
– Photograph
Inke alawa kaun kaun si documents chahiye hoti hain aur kya kya criterias hote hain, ye janne ke liye aap apne bank se sampark kar sakte hain. Ve aapko detail me sari information bata sakte hain.
Students ke liye loans ki kya kya schemes hoti hai?
- Pradhan Mantri Vidya Lakshmi Karyakram
Iss scheme mai government ne Vidya Lakshmi Portal naamak ek portal launch kara hai. Student loan lena aksar mushkil lagta hai. Iss portal ke zariye students apne loans ko monitor kar sakte hain. Ye portal ye saari information aapko provide karta hai:
– Alag alag banks ki educational loan schemes- Students ke liye ek common educational loan application form(Source: https://www.india.gov.in/spotlight/pradhan-mantri-vidya-lakshmi-karyakram-towards-bright-future)
– Multiple banks me apply karne ke liye application
– Banks ke liye student loan applications download karne ki facility
– Banks ke liye loan processing status upload karne ki facility
– Students ke liye educational loans ke regarding grievances/queries Banks ko email karne ki facility
– Government scholarships ke baare me jaanane aur apply ke liye National Scholarship Portal tak ka link - Padho Pardesh Scheme Ye scheme isliye shuru hui thi taaki merit students jo minority communities se aate hain, unhe government bahar padhne ke liye education loans par interest subsidy provide kar sake.
- Dr. Ambedkar Central Sector Scheme of Interest Subsidy Yeh scheme un merit vale students ko interest subsidy provide karti hai jo OBCs (Other Backward Classes) and EBCs (Economically Backward Classes) ko belong karte hain, taaki vo abroad jaakar higher education le paayein.Schemes ka sabse bada uddeshya hamari life ko financially thoda aasan banana hota hai. Agar aap kisi bhi scheme ke liye yogya hain, to unka laabh zaroor uthayein. Aur yaad rakhein, Student Loan, ya kisi bhi tarah ka loan, lena bilkul bhi bura nahi hota.
