Credit Score: Loan Lena Mushkil?
Aapko loan chahiye, par credit score kam hai? Tension mat lo! Yeh sabse common problem hai. Banks aur financial institutions aapke credit score ko dekh kar loan dete hain. Kam score hone se loan milna mushkil ho sakta hai, ya interest rate zyada lag sakta hai.
Credit Score Kya Hai?
Credit score 300 se 900 ke beech mein hota hai. Yeh batata hai ki aap loan waapas karne mein kitne reliable hain. Aapki credit history, loan repayments, credit card usage – sab kuchh ismein include hota hai. 750 se upar excellent hai, 650 se niche hone pe loan milna tough ho sakta hai.
Kam Score Hone Par Bhi Loan Kaise Paaye?
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Credit score check karein:
Pehle apna credit score check karein. Kisi bhi mistake ko sahi kara lein.*
Sahi lender choose karein:
Banks refuse kar sakte hain, lekin NBFCs aur digital lending platforms zyada flexible hote hain. Yeh aapki income aur repayment ability dekhte hain.*
Co-applicant ke saath apply karein:
Agar kisi ke paas achcha credit score hai, toh unse co-applicant ban kar apply karein.*
Secured loan:
Gold, property ya fixed deposits jaisi collateral rakh kar secured loan lein. Risk kam hoga, approval chances zyada!*
Income ka proof dikhayein:
Salary slips, tax returns, bank statements dikha kar apni income prove karein.*
Chhota loan maangein:
Chhota loan approval easily mil jata hai, kyunki risk kam hota hai.*
Instant loan options:
Kuchh lenders instant personal loans dete hain, par interest rate zyada ho sakta hai.*
Zyada interest rate expect karein:
Kam credit score hone pe interest zyada lagega. Different lenders se compare karein.*
Credit score improve karein:
Agar loan urgent nahi hai, toh credit score improve karein. Debts clear karein, credit card dues chukaye, payments miss na karein. Thoda sa improvement bhi faydemand hoga!Credit Score Kam Kyu Hota Hai?
* Loan ya credit card payments miss karne se.
* Credit card balance zyada hone se.
* Zyada credit limit use karne se.
* Kam credit history hone se.
* Ek saath kai loan apply karne se.
* Bankruptcy ya foreclosure jaise problems hone se.
* Credit report mein errors hone se.
