Education Loan Kaise Le: To Aaj Hum Isi Ke Bareme Bat Karne Wale He, Aap Ko Education Loan In Hindi Me Sari Jankari Misterking.In Site Dene Wali He. To Is Post Ko Pura Padhiye Ga.
India Me Good Education Bohat Mehanga Ho Raha He. Aap Ko Ak Achhe College Se Medical Or Engineering Karni He To Aap Ko Bohat Jyada Money Ki Zarurat Hogi.
For Example 5 Years Mbbs Course Aap Ke Rs 1 Crore; Se Jyada Kharch Karva Sakta He. Isi Tara Ak One Semester Engineering Aap Ke Rs 70,000 Se Jyada Kharch Karva Sakta He.
Kuchh Hal Ke Studies Ke Anusar Education Ki Cost Har Shal 12% Badh Rahi He. Aap Ko Bhi Pata He Ki India Me Kai Ase Ma-Baap He Jo Is Cost Ko Pura Nahi Kar Sakte He, Un Ke Pass Itne Paise Nahi Hote Apne Bachcho Ki Education Ke Liye.
Education Loan Kaise Le
Bharat Ke Maa-Baap Ko Na Chahte Huve Bhi Apne Bachcho Ke Achhe Bhavishy Or Education Ke Liye Paise Ka Joogar Karna Hi Parta He. Is Liye Fir Ak Hi Rasta Hota He Education Loan Lene Ka. To Aaj Hum Isike Bare Me Baat Karne Wale He.
Education Loan Kya He Or Aap Ko Iski Zarurat Ky He:
Education Loan Ak Special Purpose Loan He, Jisme Bank Aap Ko Apne Education Ke Liye Kam Sarto Pe Or Kam Vyaz Pe Loan Deta He, Bank Accommodation, Examination Fees, And Other Miscellaneous Charges Ko Bhi Dhay Me Rakh Ke Loan Deta He.
Niche India Or Any Jagah Par Aapke Kharch Se Sambandhit Kuchh Ak Detailed Checklist De He. Jiske Liye Aap Ko Education Loan Di Jati He.
- Fees Payable to your college and hostel
- Examination Fees
- Laboratory Fees
- Caution and Refundable Deposits
- Books, Uniforms, Instruments and other related equipment
- Travel Expenses
- Computers and other Gadgets
- Study Tour, Project Work, etc.
- Cost of two-wheelers (optional)
To Ye Kuchh Kharch The Jiski Wajese Aap Ko Education Loan Mil Sakti He.
Education Loan Ke Kiye Kisko Approach Kare:
India Me Leading Banks Or Financial Institutions He Jo Students Ko Education Loan Deti He. Jyada Tar PNU Bank Is Loan Me Sabse Aage He Jo Sabse Kam Interest Rate Pe Loan Deti He.
Student Loan Jyada Tar Postgraduate Courses Keliye Di Jati He, Jaise Ki Engineering, Medicine, Technology, Architecture, Business Management, Applied Or Pure Sciences (including mathematics and statistics) Courses Samil He.
Education Loan Approval Ho Te He Bank Sidhe University/College/Institution Ko Paise De Degi.
Tip: Salha Di Jati He Ki Aap Jis Bank Ke Pas Loan Kiliye Jate He Aap Use Apne Education Ke Bareme Puri Karase Bataye Ge, Kyu Ke Bank Pehle Aap Ke Education Courses Ki Jach Kare Gi Or Fir Aap Ke Marks Ko Dhayme Rakh Ke Aap Ko Loan Degi.
India Me Education Loan Interest Rates Kya He:
India Me Education Loan Ke Kiye Interest Rate Har Bank Ka Alag-Alag Hota He. Har Bank Ap Ne Niyam Ke Anushar Loan Deti He Or Sabhi Bank Ke Niyam Bhi Alag Ho Te He.
Loan Ka Interest Rate Is Bat Pe Nirbhar He Ki Aap Kitne Paise Ka Loan Le Rahe Ho Or Ise Kitne Time Me Bank Ko Wapas Chukka Donge, Lag Bhag 8.2% Se Leke 12.30% Ke Bich Loan Ka Interest Rate Raheta He.
Aap Dhyan Rakhe Ki Aap Pehle Sare Bank Ke Loan Ka Interest Rate Pata Kar Le Or Fir Jake Education Loan Le.
INDIA ME EDUCATION LOAN :
Student Education Ki Loan Ka Interest Rate Kam Karne Or Processing Me Lakho Bacha Ne Ke Liye Kai Tariko Se Batchit Kar Sakte He.
YAHA KUCHH TARIKE HE JO AAP KO KAAM AASKTE HE:
Ase Logo Ke Bareme Janne Ki Kosis Kariye Jo Education Loan Dilane Me Aap Ki Help Kar Sake. Ase Log Aap Ko Apne University/College Me Hi Mil Jayenge.
Aap Asi Bank Ko Chune Jo Aap Ko Jaldi Or Aasani Se Help Kar Sakti Ho. Jo Kam Interest Rateleti Ho Or Kuchh Aap Ko Repayment De Sake.
Agar Aap Uk Or Us Jana Chahte Ho Studies Ke Liye, Aap Ko Apne Bank Ko Usi Ki Puri Jan Kari Deni Paregi Or Ak Best Deal Ke Bareme Bat Kare Jo Bank Ap Ko De Sakti Ho.
Aap Kisi Institute/College Ke Campus Ke Jariye Bhi Education Loan Le Sakte He. Bus Ap Ko Thora Dhyanse Registration Karna Hoga.
Aap Ne Or Aap Ke Pariwar Ne Bank Se Pehle Loan Liya He Or Time Pe Chukka Diya He To Aap Ko Is Se Bohat Fayda Ho Sakta He. Is Ki Wajese Bank Aap Pe Pura Bharosha Karegi Or Loan Jaldi Se Degi.
Aam Tor Par 4lakh Se Upper Ke Loan Jyada Interest Rate Me Aap Ko Molte He, Agar Aap Bank Ke Pas Kuchh Girvi Rakhte Ho To Aap Ko Isse Jyada Fayda Ho Sakte He.
Education Loan Kilye Students Kya Eligibility Honi Chahiye:
Hum Aap Ko Ye Batayenge Ki Loan Ke Liye Aap Ki Kya Eligibility Honi Chahiye.
Aap Ak Indian Hone Chahiye Or Aap Ki Umer 16 Se Upper Hone Chahiye.
Aap Ki Umer Lagbhag 30 Ke Niche Hone Chahiye, (sabhi bank ko ki alag-alag mange hoti he)
Aap Ka Admission Kisi Bhi College Or University Hona Hi Chahiye Jise Us Desh Ki Manyta Prapt Ho.
1. Loan Amount
Aap Ke Loan Ke Paise Aap Ke Courses Pe Aadharit He Aap Jaisa Courses Loge Vesahi Loan Aap Ko Bank Degi, Or Ak Baat Aap Ko Ak Bari College Or University Choise Karni He Jisse Aap Ko Ak Bara Loan Mil Sake.
Aap Ko Apne Desh Me Educatin Loan 10-20lakh Tak Milta He. Lekin Aap Jab Kisi Or Desh Me Education Karne Jate Ho To Aap Ko 20-50lakh Tak Ka Loan Mil Sakta He.
- Ordinarily education loans in India are offered in three specific slabs which are;
- Below INR 4 lakh (no guarantor is needed).
- Between INR 4-7.5 lakhs (third-party guarantee may be needed).
- Above INR 7.5 lakhs. (Collateral required).
2. Kinds of Courses
Agar Aap Mba, Engineering, Medical Courses Karna Ke Liye Bahar Ja Rahe Ho To Aap Ko Jyada Paise Ki Jaru Rat Par Sakti He 20-45lakh Ke Karib. Lekin Is Me Aap Ko Jobs Bhi Jaldi Or Jyada Rojgar Wali Milti He. MA, BA, or B.Sc Bhi Itne Mesi Par Sakte He.
Aap Agar India Me Study Karne Chahte He To Loan Kam Milegi Or Videsh Me Study Karna Chahte Hoto Loan Jyada Milegi.
India me education loan kaise le :
India Me Education Loan Kaise Le Or Kya-Kya Documents Ki Zarurat Paregi.
Courses: You must go for individual courses if you want a study loan.
Graduation Courses: BA, B.Com, B.SC, M.SC, MA etc.
Post-Graduation Courses: Masters and PhD
Professional Courses: Medical, Management, Engineering, Agriculture, Law, Dental, Computers etc.
Institutes: You must be studying in following institutes.
Courses offered in Institutes must be certified or approved by a recognised body like University Grants Commission (UGC), AICTE, AIMBS and ICMR
Courses must be provided in Institutes like IIT, IIM, IISc, NIFT, regional Institutes etc.
Educational Loan ke liye kuchh Documents
Aap Ko Ab Kuchh Documents Required Hogi.
- Mark sheet of the last examination you qualified like 10+2. For proof of age, you need a matriculation certificate.
- Admission letter from the University or Institute you want to study.
- Now you need a letter from your university mentioning the tuition fees, semester or year wise, the cost of living like hostel and number of years you want to study.
- You need two passport size photos.
- Bank Account statement (of the co-applicant) for at least 6 months.
- Income Tax Record (of the co-applicant) for last 2 years.
To Ye Kuchh Documents Aap Ko Chahiye. Security Ke Liye, Or Aap Ko Apni Sampati Ke Documents Kibhi Zaroort Par Sakti He.
Security ki liye aap ko apni sampati batani paregi, kyu ki bank ko aap pe pura bharosh ho sake or aap ke loan ko jaldi se pass kar de.
- Land Agreement of the House, valuation report of the house
- Legal Opinion to show that your property has no legal issues
- Any other asset equal in value to the loan amount, documents must be submitted to banks.
To Security Ke Liye Aap Ko Ye Sab Documents Jama Karvane Par Sakte He.
Aap ki University Transferring Amount kar diya jaye ga jab aap submitting karo ge ye sab Documents or tab bank aap ka loan pass kar dega.
Aap Apne Bank Ko University Account Paise Dalne Ke Liye Kahsakte Ho Ya Aap Apne College Ke Draft Me Bhi Paise Dalwa Sakte He.
You Need To Ask For Two Demand Drafts.
- First One Is For The College Fees In Favour Of Your University.
- Second Is For Your Personal Expenses Like Hostel Fees Etc.
Agar O Aap Ko 1 Demand Drafts Deta He Ho Ye Aap Ke Liye Ak Muskil Hi Sakta He, Kyu Ki Student Ko College Fees Ke Alawa Koi Any Paise Nahi Milte.
Hence Always Ask For Two Separate Dds Or Traveller Check.
Apne Loan Ko Kaise Chukana He:
Loan Ko Chukane Ka Time Course/Degree Ko Pura Karne Ke Baad Hota he. Lekin Kuchh Bank He Jo Aap Ko Course/Degree Ko Pura Karne Ke Baad Ya Jobs Lagne Ke Baad Ya 1 Saal Ya 3 Sall Ke Bad Ka bhi Time Deti He To Is Baat Ko Jara Dhyan Me Rakhna.
Aam Tor Par Loan Ko Chukane Ka Time 5-8 Saal Ka Hota He, Lekin Aap Bank Se Baat Karke Ise Badhabi Sakte Ho.
Bank Student Se Kam (Emi) Leti He Taki Unko Ceerer Banana Me Aashani Ho Sake.
Education Loan Kaise Le Is post me humari ray
Aap Ko Ak Baat Dhyame Rakhni Hogi Ke Aap Usi Course/Degree Ke Liye Loan Le Jesse Karne Ke Baad Aap Ko Ak Achhi Jobs Mil Sake Taki Aap Loan Ki Emi Chukka Sake.
Is Post Me Hum Ne Education Loan Ke Bareme Saari Jankari Dedi He Agar Aap Ko Hamari Likhi Koi Baad Samaj Me Na Aaye Ho Hume Comment Me Puchh Sakte He.
Humne Is Post Me Thori English Kabhi Use Kiya He, Kyu Ki English Aap Ko Thori Bohat Aani Aaj Ke Jamane Me Bohat Zaroori He.
AGAR AAP KO YE POST PASAND AAYA HO TO ISE APNE DOSTO KE SHATH FACEBOOK OR WHATSAPP KE SHARE KARNA NA BHULE.