BANK-IN DAWHKAN ATRANGIN KA LOAN AN REJECT..??

Pu Mapuia Hannah-i Pa  ·

Mahni pawisa khawl ringawt chuan mahni chenna in tur takngial pawh pum a harsa tiin ka Financial papers, KYC Documents leh LSC hum lutin Bank pakhat ka pan
rawih a. Manager chu biain a ni chuan ka CIBIL record check phalna lehkha min sign tir a, computer-ah chuan a chhu neuh neuh a, minute 5 hnu velah chuan, "A
pawi ka ti hle mai, i CIBIL score 600 a kai trang trang a, hei hun hma lama loan i lak rulh thatloh te, a then phei chu Loan in siam rem pui (OTS) te pawh a awm nual
mai, kan pe theilo ang che" a ti a. Ka loan lak hlui te kha engtinnge a hriat vek theih le tiin mak ti tak leh lunghnur tak chuan ka chhuak ta a.

CIBIL CHU ENGE : Tun hma chuan Loan pakhat lak dawnin Bank tam takah "No Due Certificate" seal chhut tirin pawisa tam tak leh hun khawhralin kan kal kual
thrin a. Tunah chuan khatiang kha ngai tawh lovin CREDIT INFORMATION REPORT a tawi zawnga CIR an tih mai heng CIBIL, CRIF, EQUIFAX leh EXPERIAN
etc report te hmang hian i PAN, Aadhar, Election ID Card leh i personal details dang te chhut luh a nih rual khan, i loan lak lai mek zawng zawng, thla tin i rulh leh
rulh loh, i record hlui zawng zawng, loan i rulh that leh that loh te, OTS, Write off ang chi zawng zawng kha chiang takin a rawn lang ta kuar mai a ni.CIBIL chu mi
pakhat in loan a lak dan diary vawn that na ti ila a chiang mai awm e.
Bank leh Financial Institution hrang hrang te hian i loan lak dan leh rulh dan te hi heng CIR company kan tih ah hian thla tin an report thrin a, chu report chu Bank leh
financial institution dang a loan i dil khan, vai nupui pasal in nei turin an chhung leh thlahtu, vuavang te an chhui ang mai hian i loan lo lak tawh dan leh i rulh dan kha
rawn chhui let ve lehin pek ngam i ni em..? Pek tlak i ni em..?? Enge i repayment behaviour..? Loan rul tha duhlo i ni em ..?? etc teh nana hmangin loan an pek duh
leh duhloh che decision siamna hmanrua pakhatah an hmang ta a ni.

CIBIL SCORE 300 - 900 : CIR tam tak awm mahse kan hman tlanglawn ber leh hriat lar ber CIBIL hi thlurbing ang. A score hi a hniam lam 300 a ni a, a sang lam ah
900 thleng a ni. He score hi - eng loan nge i lak, dahkham nei nge nei lo (Secure leh unsecure), a rulh hun chhung rei leh reilo chi (short, medium leh long) a rulh hun
chat chat ah i rul nge rul lo, loan chhia i nei em, thla engzah nge i rulh loh, Bank in tih ngaihna an hriat tawhloh in siam rempui a ngaidam thren che a an rulh tir che
(OTS), Ni 90 chhung loan i rulh loh loan chhia (NPA) i nei em.. ni 180 aia tam loan rulh loh bank in an Book Entry ah Write off i nei em..?? Heng zawng zawng belh
khawm leh thildang tam tak hian i Credit Score chu chawk chhuakin 300 to 900 inkarah khian a dah ta che a ni.
Score 700 hnuai lam tan loan lak a har hle. 700 a kailoh chuan chhan tha tak a chunga irregularities kan sawi ho te ang khi a awm ngei ngei a, special case, duh reng
vang nilo, report dikhlel, Bank in information an pek dikloh proof theih, repayment schedule siam sual, EMI automatic a in deduct tur, balance awm reng si khawl lam
fel loh vang etc te hi justifiable a ni a, Bank pawhin ngaihhnathiamna engemawchenah an nei thei. Amaherawhchu, a zawng a za chuan an consider kher lo. 700 kailo
chuan banker te beng pawh a ti thlep nghal viau thrin a, Credit Risk an lak tur a nih avangin chhan tha tak awmlo chuan an recommend lo tlangpui.
SCORE SANG CHU ENGE A TANGKAINA : Home loan i la a, 800+ score i neih vangin i Home loan interest chu 6.80% chauh a nih laiin 700 chiah chiah score tan
chuan 7.20% a ni chho ta daih a. A nuaih bi chinah chuan 0.30% a loan interest in thlau chu rapthlak tham deuh a ni. Banker in loan i lak leh lak loh tur decision siam
nana a hman mai piah lamah loan rul tha history i neih avangin Bank lam pawhin ngaihngam taka loan an pek bakah Rate of interest hniam zawk an offer theih phah
che a ni.
He report hi Mizoram Bank zawng zawng te'n an hman tawh avangin i Credit information kha an in share kual vek tawh a, kal kual kal kual mah la, i score leh i
history a that loh chuan reject i tawk tam ting a ni mai.

ENGE KA TIH TUR :

1. Term loan A hun taka loan rulh thlap thlap. Loan chhia a i loan a lut emlo a nih pawhin thla khat, hnih rul lo SMA, SMA 1, SMA 2 ah lut lo se, heta a luh tawh
chuan i score a pawt hniam rawih. Bank in a rulh tur zat a tih aia tlema rulh in overdue a awm a, overdue hian a pawt hniam nasa thei hle.
2. KCC/OCC leh OD account te i nei a nih chuan a hun takah limit a expire hma in i bank ah financial paper thehlut la, i banker in a renew ngei em tih pawh finfiah
thrin ang che. Limit account a ni avangin i limit hi maintain la, limit aia sang Overdraft a awmlo turin hma lak tur.
3. Mizo ten Credit Card kan hmelhriat dan hi a mak hle. Loan a ni. Bank pawisa emaw tih loh tur. Unsecured loan a ni a, a risk a sangin a interest pawh a tam a, a rulh
huna rulh loh leh minimmum due pek keuh keuh hian i credit score a pawt hniam nasa thei hle. A hun chat2 a i rul a nih chuan secured loan dang te ang tho in i Credit
score ti sang tu tha tak a ni thei.
4. CIBIL score check a nih hian a hnuai lamah Bank leh Financial institution hrang hrang a loan dil i tum dan, CIBIL an check na kha chiang takin a lang a, thla khat
dan lek lek a CIBIL check na report awm reng mai ang chi te hi chu an dinhmun tha viau in biangbiak nuam leh thiam tak ni mah se, Bank lamin an hlau thrin a,
CIBIL lo tha viau mah se reject hram na tur kawng dang an zawng duh.
A tawp nan CIBIL report hi mahni pawhin check/lei pawisa tlemte chawia tih theih a ni a, kum khata vawi 1 ang vel check ve zauh zauh hi a tha. Kan record track nan
te, report a information a dik leh dikloh bakah thil awm zen zen lo ni mah se, identity theft ang chi, i hminga loan lo la etc te pawh lo awm se a man chhuah ve theih.