दोस्तों अगर आपने कभी लोन नहीं लिए हो या फिर बैंक से लोन लेना नहीं चाहते।आप चाहते है की आपके गाऊँ या आपके नजदीकी शहर से loan ले तो इस आर्टीकल मैं Group Loan के बारे मैं पूरी जानकारी बड़े विस्तार से समझाया है तो इस आर्टिकल अंतिम तक पढ़े और अपना पूरा जानकारी ले।
Group Loan Kya Hai?
Group Loan ek prakar ka Microfinance Loan hota hai, jismein 5 se 10 log milkar ek group banate hain aur sabhi milkar loan ke liye apply karte hain. Group Loan mein sabhi group members ek dusre ke liye guarantor hote hain. Yaha par, har ek group member loan ki full amount ko repay karne ke liye liable hota hai.
Group Loan Kaise Le?
Group Loan लेने ke liye, aapko pehle ek group banana hoga. Group mein aapko aise log shamil karne chahiye jinke pass similar financial goals hain aur jinme loan ko repay karne ki capacity ho. Jab aapka group ban jaaye to aap kisi reputed lender se loan ke liye apply kar sakte hain.
Lender se loan ke liye apply karne ke liye aapko ek group loan application form fill karna hoga. Is form mein aapko group ki details, loan amount, purpose of loan, aur repayment schedule ki jankari deni hogi.
Agar aapka loan application approve ho jata hai to aapko lender se loan amount mil jayegi.
Group Loan Kaun Kaun Le Sakta Hai?
Group Loan kisi bhi person ya group le sakta hai, jinke pass loan repay karne ki capacity ho. Group Loan mein, loan amount kam hoti hai aur interest rate bhi kam hoti hai. Group Loan ko repay karne mein bhi aasani hoti hai.
Group Loan ke liye apply karne ke liye aapke pass yeh documents hona chahiye:
Group Loan Main Kitna Loan Mil Sakta Hai?
Group loan mein loan amount group ki average income aur group members ki financial stability par depend karti hai.
Aam taur par, group loan mein loan amount ₹10,000 se ₹50,000 tak ho sakti hai. Kuchh cases mein, loan amount ₹1 lakh tak bhi ho sakti hai.
Group loan mein loan amount ka decision lender karta hai. Lender group ki details, loan amount, aur purpose of loan ko dekhkar loan amount decide karta hai.
Group loan mein loan amount kam hoti hai kyunki lender ko risk kam karna hota hai. Group loan mein, agar ek member loan ko repay nahi karta hai to lender ko sabhi group members se loan ko recover karna hota hai.
Yahan kuchh factors hain jinpe group loan mein loan amount depend karti hai:Group ki average income
Group members ki financial stability
Loan amount
Purpose of loan
Group loan ke liye apply karne se pehle, lender se loan amount ke bare mein jankari lena jaruri hai.
yeh ek basic Group Loan Application Form hai: depend karta hai aapke lendar par kis o kis bank se jude hai,
…………………………………………………………………………………………………………………………………………………..
Group Loan Application Form
Group Details:
- Group Name: _________________________________________
- Group ID (if applicable): ______________________________
- Address: ____________________________________________
- City: ____________________ State: ________ Zip Code: _______________
- Contact Number: ______________________
- Email: _____________________________________________
- Number of Members: ____________
Loan Request Details:
- Total Loan Amount Requested: $______________
- Purpose of Loan: ___________________________________________________________
- Proposed Utilization of Funds: ______________________________________________
- Planned Repayment Schedule: _______________________________________________
Group Representative:
- Representative’s Name: ________________________
- Position in the Group: _________________________
- Representative’s Signature: ____________________ Date: ________________
Group Agreement: By signing below, all group members agree to the terms and conditions outlined in this application form.
Members’ Signatures:
- ___________________________ Date: _______________
- ___________________________ Date: _______________
- ___________________________ Date: _______________ (Additional lines for more members if needed)
…………………………………………………………………………………………………………………………………………………..
Group Loan ke liye kya documents hona chahiye?
Group Loan ke liye apply karne ke liye aapke pass yeh documents hona chahiye:
- Proof of identity: Aadhar Card, Voter ID, PAN Card, Driving License, Passport, etc.
- Proof of income: Salary Slip, Business Income Tax Return, Pension Slip, etc.
- Address proof: Voter ID, Driving License, Passport, Bank Statement, Electricity Bill, Water Bill, etc.
Yahan kuchh additional documents hain jo lender aapko maang sakta hai:
Group Loan Application Form: Is form mein aapko group ki details, loan amount, aur purpose of loan ki jankari deni hogi.
Guarantor Details: Agar aapko guarantor ki jarurat hai to aapke pass guarantor ki identity proof, income proof, aur address proof hona chahiye.
Group Loan ke liye apply karne se pehle, lender se documents ke bare mein jankari lena jaruri hai.
Yahan kuchh tips hain jo aapko group loan ke liye documents collect karne mein madad kar sakti hain:
Apne documents ko apna naam, date of birth, aur contact number se sign karke rakhein.
Apne documents ko scan karke digital format mein rakhein.
Apne documents ko ek folder mein rakhein taki aapko unhen dhundhne mein dikkat na ho.