Bahut se homebuyers sochte hain ki agar builder ne kaam rok diya, toh wo apni home loan EMI bhi rok sakte hain. Ye galat hai! Bank ka loan agreement builder se alag hota hai, EMI na bharna aapke CIBIL score ko damage karega.
EMI rokne ka khatra (The Reality Check)
Jab builder construction rok deta hai, toh gusse mein log aksar apni EMI ya Pre-EMI payments band kar dete hain. Yaad rakhiye, bank ka loan contract aur builder ka agreement do alag cheezein hain. Bank ko is baat se matlab nahi hota ki ghar ban raha hai ya nahi; unhe bas apne paise aur Interest se matlab hai. Agar aapne payment roki, toh bank seedha aapke account ko Default mark kar dega.
Credit Score par asar (The Long-term Damage)
Jaise hi aap default karte hain, lender ise Credit Bureaus ko report karta hai. Iska seedha asar aapke Credit Score par padta hai. Ye score aapki financial identity hai. Agar ye bigda, toh future mein Personal Loan, Car Loan, ya Credit Card lene mein badi dikkat aayegi. Ye temporary problem se badi permanent musibat ban jayegi.
Ab kya karein? (The Strategy)
- Priority set karein: Apne loan account ko 'Standard' category mein hi rakhein, chahe kitni bhi mushkil ho. Apne Credit Score ko protect karna sabse zaroori hai.
- Asset liquidation: Agar double burden (rent + EMI) uthana namumkin ho jaye, toh property ko bechne (sell) ka option dekhein ya developer aur bank ke saath milkar settlement try karein.
- Legal route: Builder ke khilaaf RERA ya NCLT mein case chalayein, lekin ise bank wali obligation se mix na karein. Bank ka payment time par karte rahein taaki aapka financial future safe rahe.