Har student ka sapna hota hai ki wo achhi se achhi education prapt kare or ek din educated ho kar mahan insaan bane. Kuch logo ke liye ye easy hota hai kyuki unke liye har tarah ki padhai karne ke liye paise hote hai but kuch logo ke pas study ke liye paise nahi hote hai or wo apni pasand ki padhai nahi kar pate hai. But agar wo padhna chahe to wo education loan le kar apni padhai jari rakh sakte hai.
Aap kisi ko mayus hone ki jarurat nahi hai. India ke lagbhag sabhi banks kuch terms ke sath hame Personal loan, Home laon, Property loan, Car vehicle loan and Education loan provide karti hai. Agar aap study fees pay nahi kar sakte hai to aap education loan le kar achhi padhai kar sakte hai.
- IAS Officer Kaise Bane, UPSC Civil Services Exam Pass Karne Ki Tips
Bhaut se logo ko iske bare me pata nahi ohta hai or wo majburi me padhai chord dete hai ya fir achhi padhai chord kar kam value wali padhai karne ko majboor ho jate hai. Meri ye post unhi student ke liye hai taki koi bhi student apni padhai rok kar money problem se ghar na baith paye.
Education Loan Kaise Le Or Loan Lene Ke Liye Kya Kya Hona Jaruri Hai
Main yaha aapko education loan ke bare me kuch sawal ke jawab bta rahi hu. I hope inhe padhne ke bad aapko iske bare me puri janakri mil jayegi.
1. Education Loan Kaise Milta Hai:
Bank education loan dene se pahle uski Prepayment Ensure karti hai. Usually, education loan sirf unhi logo ko diya jata hai jo is loan wapis karne ki capacity rakhte ho. I mean ye loan sirf unhi student ko milta hai jo ise wapis karne ke saksham ho.
Education loan lene wale ke parents loan ka repayment kar sakte hai ya fir khud student ka study khatm hone ke bad loan wapis karna padta hai. Is loan ke liye aapko ek guarantor ki jarurat padti hai. Guarantor aapke partes me se koi ya aapka koi rishtedar ho sakta hai.
2. Education Loan Scope:
Bank kisi bhi tarah ke course ke liye hone wale kharcho ki purty karne ke liye financial help provide karta hai. Education loan ke area me country and other country wale course shamil hote hai. Aap chahe t apni kisi bhi study ke liye loan le sakte hai.
India me XII schooling, graduation, post graduation, Ph.D., Engineering, Medical, Agriculture, Law, Dental, Management, Computer, Computer courses of reputed institutes accredited, Aiseedbyue, CA etc. jaise courses ke liye education loan le sakte hai.
Agar aap othe country me study karte hai to aap Job oriented professional or technical courses of the prestigious university, graduation, post graduation, MCA, MBA, MS course par bhi loan le sakte hai.
3. Kis Kis Ke Liye Loan Mil Sakta Hai:
School, college and hostel fees, exam, big library and Leboreti fees, Books, Ikvipmet, Instuments, buy uniforms, travel expenses for studies abroad, the cost of the path, study tours, project work, thesis etc. ke liye education loan mil sakta hai.
4. Your Requirement:
Jab aap education lene wale ho to pahle se hi andaza laga le ki aapko real me kitne paiso ki jarurat hai. Bekar me faltu paise le kar bojh na badhaye jisse bad me aapko repayment karne me problem ho. Apni requirment ke hisab se hi loan lena chahiye.
Aapko padhai ke liye kaha jana hai or total kitna paisa kharch hoga iske bare me apna budget banaye or is par achhe se vichar karke aap kitna load utha sakte ho uske hisab se loan le.
5. Attention Before Taking Loan:
Education loan lene se pahle dhyan de ki aap jitna loan le rahe ho kya aap repayment ke time me utna paisa juyta paoge ya nahi. Ho sakta hai kisi reason ke pas aapke pas paise na ban sake to aap aese time me kya karoge kis se le kar paise doge.
So agar aap apni limit se paise loge to aap aasani se apna loan chuka sakte ho. Market me kabhi mandi hoti hai or kabhi teji so ye soch kar loan le ki agar kabhi market down ho gaya to kya karna hai.
6. Repayment moratorium:
Kuch banks study khatm hone ke ek year bad ya aapki job lagne tak repayment moratorium provide karti hai. So iske bare me aap bank me ja kar pata kar le. Aesi service dene wali banks se hi loan le.
7. Only interest payments:
Aapko repayment ke time byaz or mool EMI ka bhugtan karna hoga. Agar aap per month byaz dete rahe to aapko last me ja kar sirf original fund hi pay karna hoga. Isme aapko kuch persent discount bhi mi lsakta hai.
Generally education loan par byaz dar kam hoti hai par fir bhi aap bank me iske bare me achhe se pata kar le ki wo kitne persent intererst par loan de rahe hai. Expert ka kahna hai ki difference bank me isme 1% tak ka different hota hai.
Iske alawa kuch bank only girl sdutents ke liye low byaj dar par education loan deti hai. Agar aap girl ke liye loan lena chahate hai to ye achha tarika hai study karne ka kyuki aapko kei persent discount milega.
8. Loan Lene Par Kitni Processing Fees Lagti hai:
Bahut bar bank members aapse processing fees ke name se kuch paise vasool kar lete hai, Jo ki galat baat hai. Bank loan apply karne ki processing ke liye koi charge nahi leti hai. So aap iske bare me already kisi banks me kaam karne wale members se pata kar le.
9. Education Loan Lene Ke Liye Aapke Pas Kya Kya Hona Chahiye:
Education loan lene ke liye aapko kuch formalities ko pura karna hota hai. Inke bina education loan milna bahut mushkil ho jayega. Kuch logo ko loan isilyie bhi nahi milta ki unke course recognized nahi hote hai. Important bat har rk bank ki loan processing alag hoti hai.
Isiliye loan lene se pahle uski taiyari karni jarui hai. Bank apne customer ko different facilities provide karti hai. Jaise kuch bank girls ke liye low interest par loan lete hai or kuch banks prepayment charge nahi lete hai. Mostly education loan lene ke liye aapke pas ye sab certificate ka hona jaruri hai.
- Admission Certificates
- Cast Study program Breakup
- Loan application form
- Guarantor income proof
- Later on loans to go abroad to university
- Visa documents and travel papers
- Address proof of identity, signature verification, the applicant’s information
- List of expenses, photograph
10. Loan Lene Ke Liye Kin Kin Cheezo Ki Jarurat Padti Hai:
Aapko jis bank se loan lena hai, Aapko sabse usi bank ka loan lene wala forum le kar usme jaruri information bharni hai. Iske liye Admission letter and course duration ke perview ki jarurat padti hai.
Forum ke alawa photograph, identity Pruv, Pruv residence, income Pruv, educational qualification certificates related to senior secondary school mark sheets, MBA Post Graduate or mark sheets of Gerajuasn, scholarship-related documents etc documents ki jarurat hoti hai.
11. Education Loan Koun Le Sakta Hai:
Education loan un students ko di jati hai jo aage ki padhai ya higher technical and professional courses ke liye india ya india se bahar countries me ja kar study karna chahata ho.
In particular, the various education loans, career-oriented courses in engineering, management, medical jaisa course karne wale student ko di jati hai. Iske alawa medical computer keet ke liye bhi loan diya jata hai.
Student ko chahiye ki wo loan lete time ban kke documents ko sahi se check kar le taki aapko aane wale time me koi pareshani na ho.
12. Kya Education Loan Ke liye Security Ki Jarurat Padti Hai:
4 lakh rupees tk ke educstion loan par koi security nahi lagti hai. Agar aa four lakh se bhi jyada loan le rahe ho to aapko security ki jarurat padegi. Mostly, Aap maa baap Iske bare me bank me bat kar sakte hai ya fir aap bank ja kar iske bare me achhe se bat kar iske bare me pata kar le.
Ummid hai meri bato se aapko education loan ke bare me bahut kuch sikhne ko milega. So please is post ko share jarur kare or agar aapke pas isse related koi query hai to aap comment me uske bare me bta sakte ho.
pavan kumar
Hello sir mujha abroad study ka liya education loan lena ha .kya mujha education loan Mil sakta ha.sir ma bahut poor family sa Hu. Please help me
Jumedeen Khan
Bilkul mil sakta hai bank manager se bat karo.
Sekh Jasimuddin
assalamu alai kum bhai,
1. you tube ka rules hai ki apna upload huya video nehi dekh sakta hu to kaha mera video dekh sakta hu mera video thik se chal raha hai kya nehi janne ke liye.
2. mera upload huya video me ad nehi dekhai de raha hai. iska koi rules hai kya kuchh viewer bad jaye to ad dekhai dega.
Jumedeen Khan
w/a bro,
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Rusheek
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Jumedeen khan
Aap custom strucle ke samne
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Jumedeen khan
Kaam kaise nahi karega apne blog ka link btao main check karta hu.
Rusheek
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सोंल्युसन बताइएे मैं क्या करूं
Jumedeen khan
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surendra
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Jumedeen khan
Estimated earning sirf anumanit hoti hai. Current balace aapki real earning hoti hai.
Saurav
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Jumedeen khan
hosted account ko hatane ke liye aapko apni site par ads dikhane honge. Aap ek blog bana kar uska link AdSense me add karo or usme ads code paste karo iske bad aapka account fully approved ho jayega.
surendra
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Jumedeen khan
First to aapka AdSense account approved nahi hoga or ho jata hai to aap country change kar sakte ho. Google location check karke aapko country option enable kar dega.
Anup Sahu
bhut umda post hai
bhai maine apne blog ka privacy policy page bnake footer me ad kiya hai but problem ye hai ki usme bhi comment box show kar raha hai wo kaise hide karu
Jumedeen khan
Aap us page ke edit option me ja kar settings me comment box disable kar do.
Babita Singh
Rabiya you had given very useful information regarding education loan. It will certainly needful students.
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Deepak
सर अगर हिमे अपने वर्डप्रेस ब्लॉग पर Guest Post की सर्विस लगानी है तो इसके लिए मुझे क्या करना होगा. Guest Post किस तरह कार्य करती है क्रप्या स्टेप बाय स्टेप गाइड करे
Jumedeen khan
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Deepak
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vakil
bahut badiya jankari hai jumedeen bhai thank you very much
shashank
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Jumedeen khan
aesa kuch bhi nahi hai ye sirf afwahe hai wese bhi google apni email ko chord kar third party ko jyada better kyo manega.
Rusheek
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Jumedeen khan
Aapne apna IP address change kar diya hai. Iske bare me aap hosting care me bat karo.
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Jumedeen khan
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Jumedeen khan
Aap jo kuch kah rahe ho, kya aapko pura wishwas hai ki aap aesa kar rahe ho. Nahi, agar aesa hota to aapki CPC better hoti. Isiliye apni hi kahi bato ko achhe se follow karo.
Md Arshad Noor
Jumedeen bhai
aap to bole the ki apne site par ads dikha sakte ho jab mene ad codes ko add kiya to ad show nahi ho rahe hai.
Jumedeen khan
Welcome arshad, maine aapko jo bate btayi thi un par care jarur karna.
Rajesh Kumar
Sir Maine Desktop Liya Hai.
1.Mai Ye Janna Chahta Hu Kya Computer per Internet chalane ke liye wifi ki Jajurt pdti hai ya nhi.
2.Mai computer per Internet kis sim se chala skta hu?
3.Internet Ka kharch kitna hoga 1 month me? plz btaye.
Jumedeen khan
1. Haa aapko extra wifi system lena hona. Jo ki 500-700 me aata hai.
2. kisi se bhi jisme aapko achhi service mile.
3. Ye aap par depend karega. aap kitna kharch karte ho.
Rajesh Kumar
Sir Mai Wifi ke bare me kam janta hu.Mai kon si company ka wifi kharidu.
2. agar mai Wifi Se kisi 200 MB ka film download karta hu to kitna mb wifi per ktega.
wifi ke bare me Koi tips de sakte hai.
Jumedeen khan
Sorry main aap wifi product suggest nahi karta. Aap jitni MB ki movie download karoge utni hi MB ka data charge lagega.
shashank
jumedeen ji maine apke contect form me Guest post ki request send ki h, apne abhi tak reply nahi kiya, Mera massage padhkar apka answer reply kare please.
Jumedeen khan
Main mail check karke aapko reply kar dunga.
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Jumedeen khan
Achha blog hai, post likhne ke bad use promote bhi kiya karo.