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5 Achhe Karan Business Loan Lene Ke Liye

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Sabhi kaarobaari apne business ko success ki nayi unchaiyon par pahunchane ke sapne dekhte hain, unke sapano ko saakaar karne mein business-loan bahut aham bhoomika nibhata hai. Kya aap jaante hain ki loan kitne prakaar ke hote hai? Adhikatar Loan do prakaar ke hote hain: Secured loan aur Unsecured loan.

Business loan ek prakaar ka unsecured loan hai, jise vyaktiyon, udyamiyon, chhote, medium, aur bade business ki aavashyakataon ko poora karne ke liye design kiya gaya hai. Unsecured business-loan ke liye aapko kisi bhi tarah ka collateral ya security jama karne ki zarurat nahin hai.

Business loan ka upayog business badhaane ke liye aur daily ki zaruraton ko poora karne ke liye kiya ja sakata hai, jaise ki cashflow management, equipment/ machinery kharidana, employees ko kaam par rakhna, kachcha maal kharidana, inventory ko upgrade karna aadi. Saath hi dhayn rakhe ki loan amount ki koi minimum limit nahin hai wahi aap bina kisi colletaral ke aur aakarshak interest rate par maximum 1crore rs. tak ke loan amount ka laabh uthaaya ja sakata hai. 

# Busness loan kaise kaam karta hai?

Yadi aap bank ya loan institution se naye business ke liye loan lete hain, to aapko lump sum amount praapt hogi, jise aapko nirdhaarit avadhi mein EMI ke roop mein repay karna hoga, interest rate fixed aur floating rate par ho sakati hai. bhugataan avadhi 12 month se 5 year tak hoti hai. Kuch cases mein loan institute ke vivek ke anusaar yah avadhi adhik bhi ho sakati hai.

Agar aap bhi kisi bank se business-loan lena chaahate hain to yaha aapko bataya gaya hai ki uski prakriya kya hai: Sabse phele detailed mein ek business plan banaye. aap jis bank se loan lena chaahate hain, to ushe sabse phele apna business plan bataye. Iske baad yeh tay karen ki aapko kitna loan chahiye. Saath hi apne credit score ke baare mein pata kare.Yah sach hai ki  bank aapke business plan ke hisaab se aaako loan dene ka decision karte hain. Agar bank ko yeh lagta hai ki aapka business aur usse hone wala profit itna hoga ki aap apne kharch poore karne ke baad tay avadhi mein bank ka loan wapas repay mein samarth honge, tabhi bank aapka loan approve karta hai. Yahan neche aapko business loan lene ke 5 achhe karan bataye gaye hai. 

Yah bahut achhi khabar hai! Par ise sakar karne ke liye sabhi paas cash nahin hoga. Apne is bade kadam ko finance karne ke liye loan len.

Aise aur adhik jagah mil gaye jahan aapke product/service ki maang hai? Ab samay aa gya hai vyavsay ki shakhayen(branches) kholne ka. Chunatiyon se na daren. Vyavsay ko badhayen.

Un products ko khareedne ke paise nahin hai jinki maang aane wali chuttiyon mein badhne wali hai. Loan len aur bikri ko badhte dekhen.

Kuch upakaran, software (jaise Accounting Software) aur dusre kayi tools aapko behtar tarike se kaam karne mein madad kar sakti hai. Unhen loan lekar khareeden.

Prachar kar ke aap apne grahakon ko asani se akarshit kar sakte hain. Iske liye loan lena jayaz hoga.

Aksar Poochhe Jaane wale Prashn(Faq’s)

# Business Loan kya hai? 

Kisi bhi chal rahe business ka vistaar karne ke liye diya jaane wale loan ko business-loan kaha jaata hai.

# Business loan kyu lena chahiye?

Ek business ke liye bahut si jarurat hoti hai. Business ki sabhi jaruraton ko poora karne ke liye adhik dhan ki jarurat hoti hai. Jaruri nahin hai ki jab business mein paison ki jarurat ho or uss samay kaarobari ke paas dhan upalabdh ho. Aise samay mein businesss loan ek best choice hota hai. Aapko business-loan ko iss prakaar ke kuch nimn kaaryon ke liye lena chaahie: Jese, Apne business vistaar karne ke liye cashflow mein aane wale antar ko poora karne ke liye, Working capital yaani business ki daily jarooraton ko poora karne ke liye, Apne business mein saman badhaane ke liye, Apne business ke liye naye upakaran khareedane ke liye, aadi.

# Business Loan kaise mil sakata hai? 

Vartamaan samay mein business loan milna bahut aasan hai. Aap business loan praapt karne ke liye online aur offline dono tarah se apply kar sakate hai. Business-loan ke liye aplaee karne se pehale yah confirm kar lena chahiye ki aapke pass business-loan ke liye jaruree sabhi documents present hain ya nahin. Kyu ki bina pure documents ke business loan milna possible nahin hai.

# Business loan kisko mil sakata hai? 

Business loan sabhi businessmen ko mil sakata hai. Parantu jahaan se business loan ke liye apply kiya gaya ho waha par eligibility criteria completet hona chahiye. 

# Business loan ke liye accha cibil score kitna maana jata hai? 

Saamaany taur par business loan ke liye 750 se upar ka cibil score hona chahiye. Lekin, business loan dene ka aur na dene ka poora adhikaar loan companies ke upar nirbhar karta hai.

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