8 Mahatvapurn Kaary Jo Business Aapko Loan Apply Karne Se Pahle Karne Honge

Aisa nahin hai ki sabhi chhote vyapriyon ke paas jaruraton ko pura karne ke liye paryapt dhan hota hai . Apni jaruraton ko pura karne ke liye aur vyavsay ko badhaane ke liye unke paas paise udhaar lene ke atirikt aur koi vikalp nahin bachta hai.

Pahle jamane mein loan lena matlab musibaton ko dawat dena tha aur loan aap tab lete the jab aap apne business ki arthik sthiti sambhal nahin paate the. Halanki ab samay badal chuka hai, aaj hum aisi jagah pahunch chuke hain jahan vyavsay ko badhaane ke liye loan lena ek aam baat ho chuki hai.

Chhote business loan (vyavsayik loan) lena aur EMI bharna ek bahut hin aam prakriya hai. Waise to loan lena ek aam baat hai par fir bhi sabhi ko business loan nahin lena chahiye. Aur sath hin aisa nhin hai ki sabhi koi business loan lene ke yogya hain.

Business loan ke liye apply karne se pahle Yahan diye in 8 mahatvapurn baaton ka khayal rakhen.

1.Business loan lene ke karan ko samjhen.

Marketing mein invest karen? Aur adhik inventory khareeden? Nayi jagah rent par len?

✔Sabse pahle to aap yah samjhne ki koshish karen ki aapko loan kyun chahiye aur kya yah loan bhavishya mein aapke vyavsay ke liye faydemand hoga ya nahin.

✔Pata karen ki aap kis kaam ke liye is loan ka istemal kar sakte hain. Agar aap yah nahin bhi karna chahen to bhi bank aapse is bare mein jarur puchhega.

✔Bahut logon ko loan isliye chahiye hota hai kyonki wah aur adhik inventory khareedna chahte hain, apne vyavsay ke liye aur adhik badi aur achhi jagah lena chahte hain kiraye pe, ya apne vyavsay ke prachar mein kharch karna chahte hain, ya fir aur adhik karmchari niyukt karna chahte hain, etc.

✔Loan kis kaam ke liye istemal hoga yah janna kafi faydemand ho sakta hai: jaise ki maan lijiye ki aapko loan naye upkaran kharidne ke liye chahiye to aise mein kayi banks aur NBFCs hain jo khaskar upkaran kharidne ke liye hin loan dete hain.

Agar aap ek vyavsay ke malik hain to aise kayi karan hain jiski wajh se aapko loan ki avashyakta hogi, jo ki yah ho sakte hain: 

5 Achhe Karan Business Loan Lene Ke Liye

2.Loan apply karne se pehle janiye ki ismein aapka kitna kharch hoga.

monthly EMI and loan dues

✔Business loan lena apne aap mein hin ek bahut badi baat hai.

✔Apne business loan ke kharch ko gin len. Jaise ki ismein kitna interest rate lagega, iska mahine ka EMI kitna hoga, aap kitne saal mein is loan ko pura karna chahte hai, etc.

✔Ek business loan ke sath dusre aur kayi kharche jude hote hain. Dhyan rakhen ki iske parinam ke bare mein aapko pehle se pata ho.

3.Hisab lagayen ki aapko kitne rupay ka business loan lena hai.

Atirikt inventory ka daam + marketing ka budget, kul loan ki avashyakta = 20,00,000

✔Pata karen ki apne vyavsay ko badhaane mein aapko kitne rupay ki kami ho rahi hai aur usi ke anusar business loan len.

✔Ho sakta hai ki aap adhik rupay ka loan lene ke yogya ho par jaruri nahin ki aapko utna loan lena hi hai. Agar aap adhik matra mein loan lete hain to use wapas karne mein aapko hi kathinayi hogi. Aur agar aap kam loan lete hain to ho sakta hai ki aapko dobara loan lena pad jaye.

✔Halanki yah pata lagana ki aapko kitna loan lena hai, kafi mushkil ho sakta hai, ho sakta hai ki aap jodne mein galti kar den, kisi chiz ka ankalan kam kar len aur kisi ka adhik. Bahut kam hi aisa hota hai ki sabkuch aapke anusar ho jaye. Humesha jarurat se thoda adhik len taki aap un kharchon ko bhi utha saken jinki aapko koi ummid nahin thi. 

✔Sath hin aap yah bhi koshish karen ki aapka down payment adhik ho aur business loan ka amount kam ho taki aapko kam interest dena pade. Kabhi bhi bahut adhik zokhim na len.

4.Apne collateral(sampaarshvik) ki kshamta ka hisab laga len.

Ghar | Sone ke Zevar | chits

✔Saaf shabdon mein kahen to agar aapke paas paryapt collateral hoga to aap turant hi loan ke yogya ho jayenge. Kam se kam aapka loan application turant hi kharij nahin kiya jayega agar aapke pas paryapt collateral hai to.

✔Banks ko aur adhik suvidha mehsus hoti hai agar aapke paas aisi sampatti (assets) hai jo bure waqt mein bhi loan wapas karne mein kaam aa sakti hai.

✔Collateral mein aapka ghar, car, stocks, bonds aur cash sabhi shamil hote hai.(wah sabhi jinhen bad mein cash mein badla ja sake)

✔Par chhote business loan ke liye bank aapke upkarnaon, aur kuch paristhiti mein aapki inventory ko bhi collateral maanti hai agar bank unhen bech kar cash hasil kar paye to.

5.Udhaar lene ke sabhi vikalpon ke bare mein achhe se soch len.

Seth ji | Bank | Parivaar/Dost

✔Loan lene ke kayi tarike hain. Kuch log apne parivar ya doston se udhar lete hain aur kuch log apne credit card ka istemal karte hain. Fir bhi kuch log chhote financing companies ya online lenders (dendar) se loan lete hain taki koi collateral na dena pade aur loan jaldi mil jaye. Par jydatar log aaj bhi loan ke liye bank se sampark karte hain.

✔Aap khaskar small business loan ki hin khoj karen kyonki isse aapko loan milne ki sambhavna kafi badh jati hai. Apne loan ki sharton ko achhe se samjh len.

6.Interest aur ismein lagne wale charges ko bhi samjhen.

8% 24 mahine ke liye, 9% 30 mahine ke liye, No cost EMI

✔Alag alag bank ke pas alag alag loan scheme hote hain.

✔Kuch banks aur NBFCs ki naam chune jisme aap loan ke liye apply karna chahte hain aur dekhen ki unke loan ki kya sharte hain.

✔Halanki hum humesha interest rates par dhyan dete hain par loan lete waqt iske alawa bhi kayi dusri chizen hoti hain jinka khayal rakhna chahiye loan lene se pahle.

✔Jaanch len ki aapke liye konsa sahi hoga aur aap kis loan par kitna EMI de sakte hain.

7.Apne financial document (aarthik kaagzat) ko achhe se taiyaar kar len.

balance sheet, cashflow report, profit and loss report

✔Kya aapke business ke finances sahi hai kyonki jab bank bina kisi collateral ke loan dete hain to wah dhyan rakhte hain ki wah kise loan dene ja rhe hain.

✔Loan ke liye apply karne se pahle sahi book of accounts rakhna bahut jaruri hota hai. Isliye behtar yahi hoga ki loan apply karne se pehle aap accounts ki sabhi galtiyan sudhar len.

✔Banks adhiktar company ki balance sheet, profit aur loss accounts, cash flow statements, tax audit reports, etc. maangte hain.

✔In sabhi financial statement ke alawa bank aapke vyavsay ke vartamaan saal ki pragati report ki bhi maang karta hai aur iska sahi hona bahut avashyak hai. Bank ko sunishchit karna hoga ki loan wapas karne ke yogya hain.

✔Agar aap apne vyavsay ko digitally sambhal rahe hain to Vyapar jaise billing software ka istemal karen taki aapko yah sabhi reports aur statements bina kisi pareshani ke asani se mil jaye. Isse aapka samay bhi bachta hai aur reports mein galti hone ki aashankyaen bhi kam ho jati hai.

8.Hisab lagayen ki aap kitna loan wapas kar payenge aur baki bache ke liye aap kya kar sakte hain.

monthly income, total loan amount, remaining

✔Aisa loan len jo aap asani se wapas kar payen. Kabhi bhi itna adhik loan na len jo aap wapas na kar payen. 

✔Joden ki loan ke mukable aapki aay kitni hai. Bank bhi yahi jodte hain ki aap kitna loan wapas kar payenge. 

✔Aapko kitna loan milega yah uspar nirbhar karta hai ki aap kitna loan EMI ke taur par wapas kar payenge.

Aap shayad yah bhi padhna chahenge:

 Business Loan Asani Se Lene Ke Liye 5 Mahatvapurn Dastavez

5 Karan Jiski Wajh Se Aapke Business Loan Ko Kharij (Reject) Kiya Ja Sakta Hai: Aap Iske Liye Kya Kar Sakte Hain

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