क्यों कार-होम लोन से महंगा होता है पर्सनल लोन?

Aishwarya Awasthi Jun 23,2024

सभी ने देखा है कार लोन या होम लोन की तुलना में पर्सनल लोन काफी मंहगा होता है.

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लेकिन ऐसा क्यों होता है, ये एक बड़ा सवाल है.

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पर्सनल लोन के लिए 10-24% तक का ब्याज चुकाना पड़ता है.

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जबकि कार लोन या होम लोन 6-9% के ब्याज पर मिल जाता है.

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तो आइए जानते हैं इसके पीछे की असली वजह.

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पर्सनल लोन 6 महीने से लेकर 5 साल तक के लिए दिया जाता है और इसके लिए अक्सर कोई गारंटी नहीं ली जाती है.

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अगर ग्राहक लोन डिफॉल्ट करेगा तो उसकी वजह से बैंक का एनपीए बढ़ता है.

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बैंक का एनपीए बढ़ने से उसकी बैलेंस शीट खराब होती है.

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नुकसान को कम करने के चलते बैंक पर्सनल लोन को शुरुआत से ही थोड़ा ज्यादा महंगा रखते हैं.

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होम लोन और कार लोन लेकर लोग एक असेट खरीदते हैं.

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ये ऑटोमेटिकली उस लोन के साथ एक गारंटी की तरह काम करते हैं.

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अगर ग्राहक लोन डिफॉल्ट करेगा तो बैंक उसका घर या गाड़ी बेचकर अपने पैसे रिकवर कर सकता है.

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यही कारण है कि पर्सनल लोन महंगा माना जाता है.

[{"selector":"#anim-300d3c87-c533-4725-8955-ac61d1174dfc","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-136f6a23-2810-450c-80b8-68e20d7014ce","keyframes":{"transform":["translate3d(0px, 196.53415%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.