होम लोन के लिए कितना सिबिल स्कोर होना चाहिए?

सिबिल स्कोर यह एक तीन डिजिट (digit) का स्कोर होता है, जो आपकी क्रेडिट क्षमता/योग्यता (credit eligibility) को दर्शाता है। यह 300 से 900 के बीच होता है।

[{"selector":"#anim-7560a5b4-a561-4031-8e3c-0bd2aa0bea9c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-31.249999886225726%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-541745f7-d568-4412-9946-33c2e2b48db8","keyframes":{"transform":["translate3d(-115.55555%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-27e85e33-a424-48a8-aa6f-e5883b07818f","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}]

यदि किसी ने एक बार क्रेडिट अथवा लोन लिया है तो उसका क्रेडिट स्कोर अवश्य होगा। इसी के आधार पर बैंक यह तय करता है कि संबंधित व्यक्ति को लोन देना है या नहीं।

[{"selector":"#anim-2f27378e-f9ce-4fe5-975d-b4ac033f080b","keyframes":{"transform":["translate3d(-115.55555%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-d5468929-9f52-4801-b8c3-b7cbae9b1832","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-c92327bc-a33b-4150-af23-2493dcb5297f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.249999886225726%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

वर्तमान समय में सिबिल स्कोर (CIBIL score) जितना अधिक होता है, व्यक्ति की क्रेडिट क्षमता उतनी ही बेहतर समझी जाती है।

[{"selector":"#anim-4e2f5b0b-a282-472d-8123-69278bc1ce8e","keyframes":{"transform":["translate3d(115.23810%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-85133104-146d-4b74-bbf8-e2818598fb54","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-64ebb25a-dc86-4b5c-8438-204a89185743","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-a1a0e270-b46f-4df6-9c1a-0811dbc42a4d [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

होम लोन लेने के लिए कितना सिबिल स्कोर होना चाहिए। दोस्तों, आपको बता दें कि इसके लिए अधिकांश बैंक/वित्तीय संस्थान (banks/financial institutions) 750 अथवा इससे अधिक क्रेडिट स्कोर को ही अच्छा मानते हैं।

[{"selector":"#anim-44558455-9b20-4cd3-9b3e-8558cbb3ab19","keyframes":{"transform":["translate3d(-115.55555%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-f9d212eb-486b-46bf-a6da-7ceef7df39b8","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-9bbb7717-88b2-4c34-ba6c-c3377deff383 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

यदि आपकी सिबिल इससे अधिक है तो उसे आउटस्टैंडिंग (outstanding) की श्रेणी में रखा जाता है। लेकिन यदि आपकी सिबिल 750 से कम है तो बैंक लोन देने में आनाकानी करते हैं, अथवा अधिक ब्याज दर पर लोन देते हैं, क्योंकि वह इसे जोखिम भरा समझते हैं।

[{"selector":"#anim-b015314a-58af-4094-aa4c-edb6cf86d6d7","keyframes":{"transform":["translate3d(-115.55555%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-b1fe155b-6e07-4373-adc6-79c38b6f7375","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-44c25b33-68f6-4795-876e-43077dd39451 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(28.881750742935424%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

आपको बता दें कि यदि आपकी सिबिल खराब है, लेकिन आपको अर्जेंसी में लोन चाहिए तो आप गैंर बैंकिंग वित्तीय कंपनियों (non banking finance companies) यानी एनबीएफसी (NBFC) से लोन के लिए आवेदन कर सकते हैं।

[{"selector":"#anim-82033de1-6c06-476a-95bd-309c5c8d4944","keyframes":{"transform":["translate3d(115.23810%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a71ce163-6451-4f09-ae67-79b705f9eb3a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6b206ca5-cd9b-4d94-8dd5-2259ed7c6a9e","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-66aaf966-943e-4b53-be3f-960201018c61 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.22961945131945%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

आप अपना सिबिल स्कोर आनलाइन चेक (online check) कर सकते हैं। आप चाहें तो सीधे क्रेडिट वेबसाइट पर जाकर अथवा बैंकों की वेबसाइट से सिबिल स्कोर चेक कर सकते हैं।

[{"selector":"#anim-ca3fd0d4-790c-46f1-851c-0d482b76980f","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-4b93e85d-45d7-4fb7-acec-6c60d0b737d9","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-31bf6446-bedb-4b02-a83a-c1155b471c38 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

होम लोन के लिए कितना सिबिल स्कोर होना चाहिए? इसकी अधिक जानकारी के लिए नीचे लिंक पर क्लिक करें?

[{"selector":"#anim-5859ac8a-3bdd-4713-b2b7-e8d9725cfa7c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-31.249999886225726%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-cd4dc4b7-1b2e-46c5-921a-150bb2217168","keyframes":{"transform":["translate3d(-115.55555%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-b4b474f5-e6a8-494f-8865-77dbd6aec713","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] यहां क्लिक करें?