Karaz Chukane Ka Sahi Tarika. Kabhi apni zaroorat ko puri kerne kelea ya kabhi apne gharvalo ki zaroorat kelea aksar hum karaz (Loan) lelete hai. Kyu ki jitne salary humari hoti hai utni puri nhi padti un khwahisho ko puri kerne kelea. Jyse ki ap apna ghar salary ke paiso se nhi lesakte, ya ghar me kisi ki shadi ho uskelea. Karaz humari zindagi ka aik hissa sa ban gaya hai.
Karaz Chukane Ka Sahi Tarika
Karaz Chukane Ki Yojana
Kabhi apni zaroorat ko puri kerne kelea ya kabhi apne gharvalo ki zaroorat kelea aksar hum karaz (Loan) lelete hai. Kyu ki jitne salary humari hoti hai utni puri nhi padti un khwahisho ko puri kerne kelea. Jyse ki ap apna ghar salary ke paiso se nhi lesakte, ya ghar me kisi ki shadi ho uskelea. Karaz humari zindagi ka aik hissa sa ban gaya hai.
apne agr karaz lea hai ya lene ki soch rahe hai to apke pas karaz chukane ki yojana honi bhut zaroori hai kyuki..
"Karaz lena jitna aasan dikhta hai, use vapas kerne me utna hi dard hota hai"
Karaz Chukane Ka Aasan Tarika
Aj hum baat kerenge un achuk tariko ki jo kae saalo se log kerte bhi aarhe hai aur bhut hi achuuk bhi hai. Aj kal hum karaz lene kelea to bhut mehnat kerte hai aur jb karaz miljae to use chukane ke piche puri zindagi nikal jati hai
Aj hum isi topic pe baat krenge ke karaz chukane ka sabse aasan tarika kya hai?
Karaz Chukane Ki Yojana Banane Ka Labh
- Pehla: Ap karaz to chukaeaga hi sath me apne aur apne bacho ke bhavishya kelea bhi saving ker sakte hai
- Dusra: Karaz chukane ki tension nhi rahegi aur apke regular kharche bhi manage rahenge
- Teesra: Ap dhire dhire apni amdani ke aik hisse se bina pareshani uthae aram se karaz pura ker sakenge
Karaz Chukane Ki Yojana Kyse Kaam Kerti Hai
- Is yojana me apko apni aamdani ko 3 hisse me bantna hoga . 10%, 70% aur 20%
- Aamdani ka pehla 10% apko apne pass hi rakhna hai. Aur ise kharach nhi kerna hota hai
- Ye 10% aik tarah se apka saving hojaega jo dhire dhire aik moti rakam me tabdeel hojaega
- Phir dusra 70% alag kerna hota hai jo ki apke pariwar ki basic need ko pura kerega.
- Ghar ka rent, school ki fees, ghar ka rashan ye sari zaruurate isi 70% se puri ki jaengi
- Last ka 20% apko apne karaz (Loan) ko chukane me kharach kerna hai.
- Agr apke 2-3 alag alag karaz chal rhe hai to in 20% ko ap usme bant le taki kisht araam se jama hoti rahe
Udaaharan (Example)
Manlejea apki salary 40 hazar rupee hai. Aur apne 1 lakh rupee ka loan lea hai.
Ab karaz chukane ki yojana ke hisab se apni salary ko in 3 hisso me bant lejea.
- 10 % of 40000 = 4000 jo ki apko sae kerna hai
- 70% of 40000 = 28000 jo ki ap apne basic need kelea kharach ker sakte hai
- 20% of 40000 = 8000 jo ki apko apne 1 lakh rupee ko chukane me kaam aaenge. To ap 13 mahine mehi apna 1 lakh ka karz bhi chuka denge
- Sath hi apke pas 13 mahine ke bad, 10% yani 4000 ke hisab se 52000 jama bhi hojaenge.
Karaz Chukane Ki Is Yojana Me Khas Baat Kya Hai
- Ye yojana bhut si simple to hai sath me bhut hi practical hai
- Har koe is yojana ko apni zindagi me utar sakta hai
- Karaz chukane ke sath sath ye yojana apko financially strong bhi banati hai
- Agr apka karaz khatam hogya aur apko phir se kuch extra paise ki zaroorat hai to apke pass pehle hi itni saving hogae hai jo ap istemal kersakte hai
Karaz Chukane Ke Bad Kya Kare
Aksar hum ye bhul kerte hai ke jab humara karaz khatam hojata hai to hum phir se normal kharach shuru ker dete hai. Lekin is Yojana ka asli labh apko hoga agar ap ye kare:
- Jab karaz kahatam hojae to us 20 % ko alag se save kerna shuru kare
- Apki sari zaruurat 70 % se puri horhi hai, agar kuch zada chahea to 10% saving kaam ajaegi.
- Ye 20 % apko badme apni beti ki shadi, bacho ke admission ect me kaam aaega.
- Agar ap sahi tarike se is Karaz chukane ki yojana ka palan karoge to badme apko kabhi karaz lene ki zaruurat hi nhi padegi
Karaz Chukane Ke Lea 20% Hi Kyu
Ye sawal apke dimag me bhi aaya hoga ke 20% hi kyu, hum 10% ya 30% bhi iskelea istemal ker sakte hai. Lekin Is karaz chukane ki yojana ke alag ki fayde hai
- Aik to ye sabse badi problem hai ke hum kabhi bhi apne kharche ko control nhi ker sakte. Har mahine aik jysa kharaz mumkin nhi hai
- Apne ye muhavra to suna hi hoga ki
“Pair Utne Hi Pasariye Jitni Badi Apki Chadar Ho”
- Jitni bhi humari salary hoti hai humare kharach bhi vaise hi hote hai
- Jyse hi apki salary badhegi apke kharach bhi badhenge
- Lekin jo bhi apki basic needs hai vo sari apki salary ke 70% me aram se pura hojaeta hai
- Baki bache 30%, agar ap sare 30% ka istemal karaz chukane me krenge to , karaz chukane ke dauran jo choti moti amount apko extra chahea hogi uske lea bhi apko alag se loan lena padega
- Agar ap 10% regular jama ker rhe hai to bich me agr apko koe moti rakam chahea hogi to ap aram se is 10% se chuka sakte hai.
- 20% se apko aik fayda aur hota hai ki apke upar kabhi burden nhi parta
- Agar kabhi apko 70% se zada kharach hogae to ap us 10% ka istemal ker sakte hai. isse apka monthly EMI bounce bhi nhi hoga
Karaz aik aise bimari hai jo humari zaroorat to hai hi sath hi mengae ko badhati jarhi hai. Agar ap 20 lakh ka ghar lete ho karaz lekar to apko vhi 20 lakh ka ghar 25-26 lakh me padega.
Phir jab ap use bhechoge to ap 30-35 me bechoge. Phir jo apse lega vobhi loan leker lega to use bhi iski kimat 40+ lakh lagegi. Agar ap karaz ko hata do to yhi 40+ ka ghar apko 25-26 lakh me aram se mil jaega
Ummed kerta hu apko ye artical pasan aaya hoga. Apni rai hume comment me zaruur batae
