प्री अप्रूव्ड लोन के हैं जबरदस्त फायदे, जानिए क्या हैं इसकी शर्तें?

आमतौर पर प्री-अप्रूव्ड लोन देने से पहले बैंक को आपके फाइनेंशियल बैकग्राउंड की जानकारी होती है। इसलिए बैंक ये एनालाइज कर पाता है कि आप कितने अमाउंट तक लोन चुका सकते हैं? इसी आधार पर वे आपको सामने से लोन ऑफर करते हैं।

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प्री-अप्रूवड लोन का सबसे बड़ा फायदा ये है कि आपको बैंक की जटिल प्रक्रिया से गुजरना नहीं पड़ता और आप एक निश्चित समय-सीमा में लोन प्राप्त कर सकते हैं।

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बैंक द्वारा प्री-अप्रूव्ड लोन उन कस्टमर्स को ऑफर किया जाता है, जिनकी क्रेडिट रिपोर्ट या सिबिल स्कोर बेहतर होता है और लोन चुकाने की क्षमता रखते हैं।

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अगर बैंक या फाइनेंशियल इंस्टीट्यूशन खुद से लोन ऑफर कर रहे हैं तो, आप लोन का इंटरेस्ट रेट और टर्म एंड कंडीशन नेगोशिएट भी कर सकते हैं।

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जब आप रेगुलर लोन के लिए अप्लाई करते हैं तो यह आपके क्रेडिट स्कोर पर नेगेटिव असर करता है, जबकि प्री-अप्रूव्ड लोन स्वीकार नहीं करने पर आपका क्रेडिट स्कोर प्रभावित नहीं होता है।

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क्रेडिट कार्ड का समय पर पेमेंट करने वाले और पिछले लोन को समय पर चुकाने वाले ग्राहकों को अक्सर कई बैंक प्री-अप्रूव्ड लोन ऑफर करते हैं।

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