Business simply ek aisa kaam hota hai jisme products and services buy/sell ke madhyam se hum profit earn kar sakte hain. Agar aap ek business run karte hain, to aap ek job provider bhi kehlaye jaa sakte hain.
Businesses badi companies, jaise Adida, Ford, se lekar chhoti companies jo hum apne gharo se chalaate hai ya fir startups tak bhi range karte hain.
Loans kya hote hain?
Loans basically udhaar hota hai. Kisi se udhaar lene ka hi matlab hai loan lena. Jab ek party doosri party ko loan deti hai, tab kuch sharton par hi udhaar deti hai. Aur is promise ke sath loan deti hai ki doosri party us loan ko future me chukaegi zaroor. Loans individuals ya companies/businesses le sakte hain.
Business ke liye Loan kyo lena chahiye?
Similarly, business owner ko loans isliye chahiye hote hain taaki vo apna business chala sakein.
Ek business chalane ke bahut saare pehlu hote hain:
– Kisi ko hire karna aur unki salary dena
– Naya equipment khareedna
– Rent dena
– Products ke liye material khareedna
Ye sab business to business vary karte hain. Magar jo cheez vary nahi karti vo yeh hai ki yeh sab cheezein ek business ko aaram se chalane me help karti hain. Isliye, agar kisi business owner ki current income help nahi kar rahi, to unke liye loans ek easy tareeka ban sakta hai. Kyonki sach to yeh hai ki kisi bhi company ko chalane ke liye, finances ki zaroorat padti hi padti hai.
Sirf business ke dauraan hi hume loans ki zaroorat padti. Ho sakta hai aap shuru se shuru kar rahe ho ya ek puraane thap hue business ko dobara shuru kar rahe ho, har chhote ya bade business ki kahin na kahin shuruaat hoti hai. Un shuruaati dino me bhi investment chahiye hota hai – bhale hi vo investment chhota sa hi kyon na ho aur bhale hi vo humne apne friends aur family se hi kyon na liya ho.
Dekhiye, business to stress lata hi lata hai. Loans ek extra stress ko thoda sa kam kar dete hain.
Kaun Kaunsi Documents ki aapko Zaroorat pad sakti hai?
– KYC documents
– Bank statements
– Business proof
– Tax returns
– Identity proof
– Address proof
Aap apne Business ke liye kya kya Loans le sakte hain?
Alag alag banks hume alag alag loans provide karte hain. Magar humne in general kuch loans yahaan mention kare hain:
- Short-term and Long-term Loans
Short-term aur Long-term loans Term Loans ke under aate hain. Ye vo loans hote hai jo regular intervals me hume chukaane hote hain. Short-term loans hume kam samay ke liye milte hain aur kam amount ke hote hain. On the other hand, Long-term loans lambe samay aur zyada amount ke hote hain. - Government schemes ke under diye gaye loans
Government of India ne citizens ko financially aur mazboot banane ke liye kuch schemes ko introduce kara hai. Inme se kuch schemes businesses ke liye bhi hain: PMMY: Pradhan Mantri Mudra Yojana aur Stand Up India Scheme. In schemes ke baare me aur jaankari ke liye, iss article par jaayein. - Working Capital Loan
Working Capital vo amount hota hai jo businesses daily use ke liye use karte hain. Yeh loan bhi unhi activities ke liye diya jaata hai. Business expansion ya tax purpose ki jagah yeh loan business owners ki day to day activities me madad karne ke liye hota hai. Functions jaise salaries dena ya raw material dena, is loan ke under aate hain. - Loan against Property
Agar aapke naam par koi property hai, to aap apne business ke liye us property ke against bhi loan le sakte hain. Is case me aapki property collateral ki tarah kaam karegi. - MSME Loan
Can avail this type of loan if you want to business. An MSME loan is a form of business loan, term loan, or working capital loan that is offered by financial institutions to people, MSMES, start-ups, other businesses. They are used for business expansion, starting new business, paying rent, buying equipment et cetera.
Ye Loans Banks se Kaise liye ja sakte hain?
Banks se kisi bhi tarah ka loan lene ke liye aap unki website par jaa sakte hain ya banks ko visit bhi kar sakte hain. Har bank alag alag interest rate par aapko loan deta hai aur sath hi alag alag loans ke liye unke terms and conditions aur features bhi alag ho sakte hain. Aapke aur aapke business ke liye kaunsa loan sahi rahega, is baat ki acche se research zaroor karein.
