આપણે દુકાનોમાં મુકેલા લાફિંગ બુદ્ધા તો જોયા જ હશે. લોકો તેને ગુડ લક તરીકે પોતાના ઘરમાં અને ઓફિસમાં પણ મુકતા હોય છે. આની પાછળ લોકોની માન્યતા છે કે સુખ સમૃદ્ધિ લાવવા માટે લાફિંગ બુધ્ધા ઘણા મહત્વના ગણાય છે.
પરંતુ શું તમે જાણો છો કે કોણ છે લાફિંગ બુધ્ધા ? તેમના હાસ્ય પાછળ આખિર શું કારણ છે ? તો ચલો આજે અમે તમને આ રાઝ જણાવીશું કે આવું શા માટે થાય છે.
એક માન્યતા પ્રમાણે , લાફિંગ બુધ્ધા મહાત્મા બુધ્ધના શિષ્ય હતા, માનવામાં આવે છે કે જ્યારે હોતોઇને જ્ઞાનની પ્રાપ્તિ થઇ હતી, ત્યારે તેઓ જોર જોરથી હસ્યા હતા. અને ત્યાર પછી તેમણે પોતાના જીવનનો એક માત્ર ઉદ્દેશ હસવાનો જ બનાવી લીધો, તે જ્યાં પણ જતા ત્યાં જઇને તેઓ પોતાનું મોટુ પેટ બતાવીને જોર જોરથી હસવા લાગતા હતા, આ જ એક કારણ હતું કે, જાપાન અને ચીનમાં લોકો તેમને લાફિંગ બુધ્ધા બોલાવા લાગ્યા.
હોતોઇના અનુયાયીઓએ પણ તેમની હંસવાની આદતનો દુનિયા ભરમાં પ્રચાર કર્યો, ચીનમાં તો હોતોઇ એટલે કે લાફિંગ બુધ્ધાના અનુયાયિઓએ તેમનો એવો પ્રચાર કર્યો કે તેઓ તેમને ભગવાન માનવા લાગ્યા, લોકો તેમની મૂર્તિને ગુડ લક તરીકે પોતાના ઘરમાં મુકવા લાગ્યા.
જો કે ચીનમાં લાફિંગ બુધ્ધાને “પુતાઇ” ના નામથી ઓળખવામાં આવે છે. જેવી રીતે ભારતમાં ભગવાન કુબેરને ધનના દેવતા માનવામાં આવે છે તેવી રીતે ચીનમાં લોકો લાફિંગ બુધ્ધાને માને છે.
The loans that require collateral are the ones where you have to pledge an asset as security for the money you are borrowing to the lender. That way, if you cannot repay the loan, the lender still has some means to get back their money. The rate of interest of secured loans tends to be lower as compared to those for loans without collateral.
Additional Read: 4 top factors that led to the growth of NBFCs in India
Types of secured loans
1. Home loan
Home loans are a secured mode of finance that give you the funds to buy or build the home of your choice. You can apply online for a home loan at lower interest rates at Bajaj Finserv. The following are the types of home loans available in India:
- Land purchase loan: To purchase land for your new home
- Home construction loan: To build a new home
- Home loan balance transfer: Transfer the balance of your existing home loan at a lower interest rate
- Top up loan: Can be used to renovate an existing home or have the latest interiors for your new home
Note that while buying a new property/ home, the lender requires you to make a down payment of at least 10-20% of the property’s value. The rest is financed. The loan amount disbursed depends on your income, its stability and current liabilities, among others.
2. Loan against property (LAP)
A loan against property is one of the most common forms of a secured loan. You can pledge any residential, commercial or industrial property to avail of the funds required. The loan amount disbursed is equivalent to a certain percentage of the property’s value and varies across lenders.
While some lenders may offer an amount equivalent to 50-60% of the property’s value, others may offer an amount close to 80%. A loan against property helps you unlock the dormant value of your asset and can be used to satiate personal life goals such as higher education of children or marriage. Businesses use a loan against property for business expansion, R&D and product development, among others.
3. Loans against insurance policies
Yes, you can also avail of loans against your insurance policy. However, note that all insurance policies don’t qualify for this. Only policies, such as endowment and money-back policies, which have a maturity value, can avail loans.
Thus, you can’t avail of a loan against a term insurance plan as it doesn’t have any maturity benefits. Also, loans can’t be availed against unit-linked plans as the returns aren’t fixed and depend on the market’s performance. It’s essential to note that you can opt for a loan against endowment and money-back policies only after they’ve acquired a surrender value. These policies gain a surrender value only after paying regular premiums continuously for three years.
4. Gold loans
For the longest time, gold has been one of the most favoured asset classes. The organised Indian gold loan industry is expected to touch Rs. 3,101 billion by 2019-20, according to a KPMG report, thanks to flexible interest rates offered by financial institutions.
A gold loan requires you to pledge gold jewellery or coins as collateral. The loan amount sanctioned is a certain percentage of the gold’s value pledged. Gold loans are generally used for short-term needs and have a short repayment tenor compared to home loans and loan against property.
5. Loans against mutual funds and shares
Mutual funds can also be pledged as collateral for a loan, an ideal vehicle for long-term wealth creation. You can pledge equity or hybrid funds to the financial institution for availing of a loan. For doing so, you need to write to your financier and execute a loan agreement.
Your financier then will write to the mutual fund registrar and put a lien on the specific number of units to be pledged. Typically, you can get 60-70% of the value of units pledged as a loan.
Similarly, financial institutions create a lien against shares for which the loan is taken, and the loan value is equivalent to a percentage of the value of the shares.
6. Loans against fixed deposits
A fixed deposit not only offers assured returns but can also come in handy when you need a loan. The loan amount can vary between 70-90% of the FD’s value and varies across lenders. However, it’s essential to note that the loan tenor can’t be more than the FD’s tenor.
These are loans that do not require collateral. The lender gives you the money based on past associations, your credit score and history. Thus, you have to have a good credit history to avail of these loans. Unsecured loans usually come at a higher interest rate due to the lack of collateral.
Best pet insurance companies of 2023
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