Qarz (Loan) kya hota hai?
Loan
Definition
Loan wo raqam hai jo aap bank, ya kisi aur se udhaar lete hain, jise aap waade ke mutabiq wapas karte hain, aksar sood ya Markup ke saath.
Is concept ko aur behtar samajhne ke liye Markup bhi dekhein.
Loan aapko aaj kuch hasil karne ka mauqa deta hai jiske liye aapke paas abhi paise nahi, lekin iski qistain kal aapki aamdani par bojh ban sakti hain.
Quick Facts
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- Loan ki qistain aapki monthly aamdani ka hissa khati hain, isliye loan l...
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Quick Summary
| Definition | Loan wo raqam hai jo aap bank, ya kisi aur se udhaar lete hain, jise aap waade ke mutabiq wapas karte hain, aksar sood ya markup ke saath. |
|---|---|
| How it helps | Loan ki qistain aapki monthly aamdani ka hissa khati hain, isliye loan lene se pehle soch samajh kar lena chahiye. |
| Example | Ghar khareedne ke liye bank se 30 lakh ka home loan lena. |
| Related terms | 6 linked topics |
How It Works
Yeh kya hai?
Loan wo raqam hai jo ek party (qarzdar) doosri party (qarz dene wale) se udhaar leti hai, is waade ke saath ke wo raqam future mein wapas ki jayegi, aksar saath mein interest ya Markup ke. Pakistan mein loans ki kai qismein hain: Personal Loan, Home Loan, car loan, Business Loan, Education Loan, etc.
Rozmarra Asar
Loan aapki zindagi par asar dalta hai: Har mahina EMI deni parti hai jo aapki bachat kam kar deti hai. Agar loan zyada ho aur income kam, toh financial stress hota hai. Lekin loan se aap ghar, gari, business jaise bade khwab pooray kar sakte hain. Credit Score acha ho to loan aasani se milta hai aur Interest Rate kam hota hai.
Loan Lene Se Pehle
Loan lene se pehle ye check karein: 1) Kya aapko sach mein loan ki zaroorat hai? 2) Kya aap EMI afford kar sakte hain? 3) Interest Rate compare karein - KIBOR + spread dekhain. 4) Processing fee, prepayment charges jaise hidden charges check karein. 5) Loan term - jitni lambi term, utni kam EMI lekin zyada total interest. 6) Credit Score - isay behtar karein.
Misal
Ghar khareedne ke liye bank se 30 lakh ka Home Loan lena.
Aksar pooche gaye sawalat
Loan kya hota hai?
Loan wo money hai jo lender aapko deta hai aur aap agreed schedule ke mutabiq principal aur interest ya Markup wapas karte hain.
Secured aur unsecured loan mein farq kya hai?
Secured loan me Collateral hota hai (jaise ghar ya gaari), jabke unsecured loan collateral ke baghair hota hai.
Loan ki EMI kaise calculate hoti hai?
EMI principal, Interest Rate aur tenure par depend karti hai. Tenure lamba ho to EMI kam hoti hai lekin total cost zyada hoti hai.
Loan lenay se credit score par kya asar hota hai?
Time par repayments se Credit Score improve hota hai, jabke late payments score ko damage kar sakti hain.
Loan lene se pehle kin cheezon ko dekhna chahiye?
Interest ya Markup rate, fees, prepayment penalties, tenure aur apni affordability ko zaroor check karein.
Difference
Loan vs Markup
| Feature | Loan | Markup |
|---|---|---|
| Definition | Loan wo raqam hai jo aap bank, ya kisi aur se udhaar lete hain, jise aap waade ke mutabiq wapas karte hain, ak... | Markup wo extra raqam hai jo loan lene par bank wapas leni hoti hai, Pakistan mein aksar ise interest ki bajaa... |
| Best for | Loan ki qistain aapki monthly aamdani ka hissa khati hain, isliye loan lene se pehle soch... | Markup ki wajeh se aap loan ki asli qeemat se zyada wapas karte hain. |
| Example | Ghar khareedne ke liye bank se 30 lakh ka home loan lena. | Bank 10 lakh ka loan 22% markup par de raha hai, toh 1 saal mein 2.2 lakh markup dena hoga... |
Related Tool
Is term ko practical use mein dekhne ke liye sab se relevant tool se start karein.
Related Loans & Financing Terms
Yeh page loans & financing cluster ka hissa hai. Semantic context mazboot rakhne ke liye in linked terms ko bhi dekhein.
Markup
Markup wo extra raqam hai jo loan lene par bank wapas leni hoti hai, Pakistan mein aksar ise interest ki bajaay markup kehte hain.
Interest Rate
Interest rate wo percentage hai jo qarz lene par dena parta hai ya bachat par milta hai.
Riba
Riba wo extra raqam hai jo qarz par li jati hai, jo Islam mein haram hai. Ye qarzdar ka istasmar hai.
Debt
Debt ek ahem financial term hai jo Pakistan mein use hota hai. Iski details Urdu mein samjhein.
Personal Loan
Personal Loan ek ahem financial term hai jo Pakistan mein use hota hai. Iski details Urdu mein samjhein.
Business Loan
Business Loan ek ahem financial term hai jo Pakistan mein use hota hai. Iski details Urdu mein samjhein.