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Mahine ki EMI se ho rahi hai pareshani?
Jab aapke paas home loan, car loan, personal loan ya education loan jaise kai loans ho, toh har mahine ki EMI ka total bohot bada ho jaata hai. Agar aapki income iske hisaab se nahi badh rahi hai, toh ghar kharch, insurance, aur savings ke liye paise kam padne lagte hain. Isse financial pressure badh jaata hai aur aap zyada kuch manage nahi kar paate.
Loan lene mein problem?
Bankers aapka loan capacity debt-to-income (DTI) ratio se check karte hain. Ye aapki monthly income ka woh hissa hai jo aap debt repayment mein dete hain. Agar ye ratio bohot zyada hai, jo ki kai loans hone par hota hai, toh naye loans milna mushkil ho jata hai. Purane acche credit history wale log bhi struggle kar sakte hain kyunki lenders ko lagta hai ki aap repayment capacity se zyada burden le rahe hain.
Credit Score Ka Kya?
Sirf bahut saare loans hone se credit score kharab nahi hota. Asal cheez hai time par EMI bharna. Agar aap saare loans ki EMI time par bhar rahe hain, toh ye achha point hai. Lekin ek bhi EMI miss ho gayi, toh credit score seedha neeche gir sakta hai. Aur agar aap kam time mein bahut saare loans ke liye apply karte hain, toh credit report par multiple hard inquiries ho sakti hain, jisse score thoda kam ho sakta hai.
Emergency Fund Hai Zaroori!
Agar aap bahut saare loans manage kar rahe hain, toh aap financial risks mein zyada rehte hain. Agar achanak income kam ho jaye ya koi bada kharch aa jaye, toh emergency fund ke bina manage karna bohot difficult ho jata hai. Agar aapke paas sufficient savings nahi hai, toh koi bhi financial emergency aapko EMI bharna mushkil bana sakti hai. Isliye, zyada loan lene se pehle ek accha emergency fund banana bahut zaroori hai. Research kehti hai ki accha emergency fund wale log financial downturns aur personal crises ko behtar handle kar paate hain aur apna credit standing maintain kar sakte hain.