CIBIL score है खराब, तो क्या मिलेगा पर्सनल लोन?

Aishwarya Awasthi Jul 23,2024

बैंक और फाइनेंस कंपनियां सिबिल स्कोर चेक करके ही लोन अप्रूव करती हैं.

[{"selector":"#anim-b0fcbf2b-b806-491c-b111-c53936a6e711","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6ede898d-5a89-4752-861f-e1833b50f2c5","keyframes":{"transform":["translate3d(0px, 188.27728%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-99941ab4-c144-4f7a-9151-9b7a9463ce7a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ये कर्जदारों की क्रेडिबिलिटी को रिप्रजेंट करता है.

[{"selector":"#anim-88e414d2-04ab-49b2-a997-8290f02f30c3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-bbf78165-707a-4667-9e0f-98653669f7b9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4eea954d-0627-48ea-8138-1b2f1fed5b4f","keyframes":{"transform":["translate3d(0px, 209.37818%, 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.

अच्छा स्कोर 750 से 900, एवरेज क्रेडिट स्कोर 750 से 550 और सबसे खराब 550 से 300 तक मानते हैं.

[{"selector":"#anim-e7e6de5f-bab8-4576-8c14-ff5e6ad797e9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8f9dd866-cd43-4edf-bac5-c12ad376c78c","keyframes":{"transform":["translate3d(0px, 127.83818%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ef503037-744d-43ef-8ad9-eae279f2ac03 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

किसी लोन की EMI समय पर नहीं चुकाने पर सिबिल स्कोर बिगड़ सकता है.

[{"selector":"#anim-94cea996-adb0-4275-8ca6-8711102027e4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-62db154b-f99c-4ee6-b6d8-e99bb8ffc3e6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-610b5708-862b-4731-8caa-05e955951606","keyframes":{"transform":["translate3d(0px, 155.63163%, 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.

सिबिल स्कोर खराब होने पर कंपनी या बैंक डिफॉल्टर बन सकते हैं.

[{"selector":"#anim-79669e88-9522-4923-a636-b49c5240eedf [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e7be0a83-5f31-45b1-ae18-74f961151bf9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3c570843-9ff0-4c70-a709-5e6b76883d81","keyframes":{"transform":["translate3d(0px, 197.45157%, 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.

अगर सिबिल स्कोर खराब है तो कुछ उपाय कर सकते हैं बेहतर.

[{"selector":"#anim-0aca4727-26ad-48e3-bdee-a97e153bf0e1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9efacef7-81db-4e09-b804-e3cd9a5a752d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7c364378-9b83-49e6-9e29-103c35fa11f9","keyframes":{"transform":["translate3d(0px, 191.02959%, 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.

सिबिल स्कोर खराब होने पर किसी गारंटर या को-साइनर के जरिए लोन ले सकते हैं.

[{"selector":"#anim-75194bc4-e81f-46e0-85ef-c897761a3771 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e4c79024-c96a-411c-ba79-536e6218912f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-97e9b704-178b-4772-841b-9582d6f3f65c","keyframes":{"transform":["translate3d(0px, 159.74120%, 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.

इससे बैंक आश्वस्त हो जाता है कि लोन के पेमेंट में चूक नहीं होगी, इससे सिबिल स्कोर सुधारेगा.

[{"selector":"#anim-c06ce8a0-ea5c-4262-aa04-12da86be6db2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-5bb466c2-50d3-4c27-8d64-7482f202b42f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-94d5169f-b785-48b5-8836-fcbf49039b56","keyframes":{"transform":["translate3d(0px, 152.20698%, 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.

स्कोर खराब के कारण बैंक पर्सनल लोन नहीं दे रहा तो कोई संपत्ति गिरवी रख सकते हैं.

[{"selector":"#anim-665c8440-1f79-487c-bd88-6935cf2624bf [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-5.783685776545304%, -22.321426314002636%) scale(1.4464285714285714)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-f15401c8-a69e-491f-b6d4-ceb6eaded030","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-58451ee3-89b5-4eb4-b594-41a6ee6a7831","keyframes":{"transform":["translate3d(0px, 147.41244%, 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.

संपत्ति को बैंक लोन से अटैच कर देता है, अगर लोन पूरा नहीं भरा तो बैंक संपत्ति बेच सकता है.

[{"selector":"#anim-a8c8ff80-80e7-4633-aaa2-415460717e97 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(17.12328767123288%, -5.506830373188178%) scale(1.3424657534246576)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-4b0bba73-05aa-4a16-a138-7c931c4668a8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1f8fee6f-81f5-45e0-a8e0-a217d4aca956","keyframes":{"transform":["translate3d(0px, 197.45157%, 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.

कम रकम का लोन लेकर समय पर सही तरीके से चुकाकर सिबिल स्कोर बेहतर बनेगा.

[{"selector":"#anim-3022619f-d9fc-480b-bc26-1983e29dcdfc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-3adc6963-cc20-4b85-9ed8-ff2fe332b97e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b044607c-37f6-48e0-a4f2-b66f5d5dd2a4","keyframes":{"transform":["translate3d(0px, 215.80022%, 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.

समय-समय पर क्रेडिट रिपोर्ट जरूर चेक करें, अक्सर क्रेडिट रिपोर्ट की गलतियों से सिबिल स्कोर बिगड़ता है.

[{"selector":"#anim-774d987b-a6d3-40f5-9715-eee7216347b4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e8a8b771-0baf-4328-9386-4cb6a1accbea","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5908c7c7-0f92-429b-9c5b-cfaf905939e7","keyframes":{"transform":["translate3d(0px, 127.83818%, 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.

लोन डिफॉल्टर्स को RBI की ओर से राहत प्रदान की जाती है.

[{"selector":"#anim-7b878095-19c9-4035-8ae7-4b937055add9 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-123ae1a0-2f17-4a5d-a158-7b89ff3189a7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3dc89906-444c-4f50-a548-c114d88903ac","keyframes":{"transform":["translate3d(0px, 331.29901%, 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.

ऐसे में बैंक और डिफॉल्टर साथ बैठकर सैटलमेंट करते हैं.

[{"selector":"#anim-3c323dd5-05f3-41f6-935f-a41256b162e3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-36dbf747-5144-43d1-a9b2-ac054cce2496","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-62401892-eaf4-48ed-bfae-aba441a1689a","keyframes":{"transform":["translate3d(0px, 331.29901%, 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.