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जरूरत / स्कूल फीस या एडमिशन के लिए मिल रहा 4 लाख तक लोन:

स्कूलों में नया सेशन चालू हो गया है। आपके बजट पर स्कूल फीस का बोझ बढ़ने वाला होगा। वैसे भी बड़े-बड़े पब्लिक स्कूीलों की मोटी फीस भरना हर किसी के बस की बात नहीं है, यहां तक कि एक मिडिल क्लासस या लोअर मिडिल क्ला स फैमिली के लिए एक अच्छेह स्कू ल में बच्चेि की नर्सरी की पढ़ाई का खर्च उठाना तक मुश्किल हो रहा है। यहां कुछ ऐसे बैंकों के बारे में बता रहा है, जो आपकी इस समस्या को दूर कर सकते हैं…

1. Bank of Baroda)

2. Allahabad Bank)

3. Indian Bank

Indian Bank IB बालविद्या के नाम से एक स्कीैम चलाता है। बैंक की वेबसाइट के मुताबिक, इस स्कीसम के तहत बैंक नर्सरी से 12वीं क्लाबस तक के बच्चे की स्कूमल एडमीशन फीस, किताबों व यूनिफॉर्म का खर्च, कंप्यूहटर फीस, ट्रान्सचपोर्टेशन फीस आदि को लेकर सालाना आधार पर मदद करता है। यह मदद 30,000 रुपए प्रति परिवार होती है। बैंक सरकारी, प्राइवेट या सेल्फ0 इंप्लॉरयड लोगों को यह मदद उपलब्धा कराती है, हालांकि इसके लिए आपका बैंक में न्यू0नतम 3 साल से सेविंग्सद अकाउंट होना जरूरी है। इस लोन के लिए ब्या ज दर 12.90 फीसदी सालाना है।

अमूल की फ्रेंचाइजी, 5 से 10 लाख हो सकती है सेल्स

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25 लाख तक का लोन लेकर शुरू करें अपना काम, नहीं लौटाना होगा 15 से 35% पैसा

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व्यावसायिक ऋण (UNSECURED BUSINESS LOAN)

व्यावसायिक ऋण (UNSECURED BUSINESS LOAN)

व्यावसायिक ऋण सामान्य रूप से दो प्रकार का होता है:

असुरक्षित व्यावसायिक ऋण (UNSECURED BUSINESS LOAN) :

 ऐसा मौजूदा व्यवसायी जो तीन साल का ITR सभी ANNEXURE के साथ ही साथ एक अच्छा बैंकिंग TRANSACTION रिकॉर्ड भी रखता है वो 50 लाख रुपये तक का UNSECURED BUSINESS LOAN प्राप्त कर सकता है, अथार्त किसी भी COLLATERAL SECURITY के बिना। हालाँकि, केवल कुछ बैंक ही ऐसा Business Loan प्रदान करते हैं।

 NORMALLY नए व्यवसायी के पास उपरोक्त कोई व्यावसायिक ट्रैक रिकॉर्ड नहीं होता है – इस दशा में आम तौर पर ये व्यावसायिक ऋण राष्ट्रीयकृत बैंकों द्वारा प्रदान किए जाते हैं। इस खंड के लिए एक व्यवसायी विभिन्न प्रकार की सरकारी योजनाओं के तहत प्रदान किए गए लाभों का लाभ उठा सकता है।

सुरक्षित व्यावसायिक ऋण (SECURED BUSINESS LOAN):

इस प्रकार के Business Loan का लाभ COLLATERAL SECURITY प्रदान करके प्राप्त किया जा सकता है अर्थात आवासीय / वाणिज्यिक संपत्ति के AGAINST ऋण। आम तौर पर आवासीय संपत्ति के मूल्य का 70% -80% या वाणिज्यिक संपत्ति के मूल्य का 60% तक का SECURED BUSINESS LOAN व्यवसायी द्वारा प्राप्त किया जा सकता है।

BUSINESS LOAN

Business loans are generally of two types:

UNSECURED BUSINESS LOAN:

 An existing businessman who has a three-year ITR with all the ANNEXURE also maintains a good banking transaction record, he can get UNSECURED BUSINESS LOAN up to Rs 50 Lakhs, i.e. without any COLLATERAL SECURITY. However, only a few banks provide such business loans.
 NORMALLY New businessman does not have any business track record mentioned above – In this case, these commercial loans are generally provided by nationalized banks. For this segment a businessman can take advantage of the benefits provided under different types of government schemes.

SECURED BUSINESS LOAN:

The benefit of this type of Business Loan can be achieved by providing COLLATERAL SECURITY i.e. the Loan AGAINST of Residential / Commercial Property. Generally, up to 70% -80% of the value of Residential Property or 60% of the value of the Commercial Property can be availed. This type of Loan is provided by all Banks i.e. Private Banks as well as Nationalized Banks.

BUSINESS LOAN

Business loans are generally of two types:

UNSECURED BUSINESS LOAN:

 An existing businessman who has a three-year ITR with all the ANNEXURE also maintains a good banking transaction record, he can get UNSECURED BUSINESS LOAN up to Rs 50 Lakhs, i.e. without any COLLATERAL SECURITY. However, only a few banks provide such business loans.
 NORMALLY New businessman does not have any business track record mentioned above – In this case, these commercial loans are generally provided by nationalized banks. For this segment a businessman can take advantage of the benefits provided under different types of government schemes.

SECURED BUSINESS LOAN:

The benefit of this type of Business Loan can be achieved by providing COLLATERAL SECURITY i.e. the Loan AGAINST of Residential / Commercial Property. Generally, up to 70% -80% of the value of Residential Property or 60% of the value of the Commercial Property can be availed. This type of Loan is provided by all Banks i.e. Private Banks as well as Nationalized Banks.

BUSINESS LOAN

Business loans are generally of two types:

UNSECURED BUSINESS LOAN:

 An existing businessman who has a three-year ITR with all the ANNEXURE also maintains a good banking transaction record, he can get UNSECURED BUSINESS LOAN up to Rs 50 Lakhs, i.e. without any COLLATERAL SECURITY. However, only a few banks provide such business loans.
 NORMALLY New businessman does not have any business track record mentioned above – In this case, these commercial loans are generally provided by nationalized banks. For this segment a businessman can take advantage of the benefits provided under different types of government schemes.

SECURED BUSINESS LOAN:

The benefit of this type of Business Loan can be achieved by providing COLLATERAL SECURITY i.e. the Loan AGAINST of Residential / Commercial Property. Generally, up to 70% -80% of the value of Residential Property or 60% of the value of the Commercial Property can be availed. This type of Loan is provided by all Banks i.e. Private Banks as well as Nationalized Banks.

Source

LOAN AGAINST PROPERTY (LAP)

A loan against property (LAP) i.e. Loan against the mortgage of property. The loan is given as a certain percentage of the property's market value, usually around 60% to 80% depend upon Property is what kind of nature. Further, nature of property means residential property, commercial property or agricultural property and available % of value of property would be also depend upon whether property is constructed or only land etc..

Type of Loan against property:

LOAN FOR COMMERCIAL PROPERTY: – Loan for purchase/ construction of commercial property in approved areas. This includes loans for office space, shops.

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