અમાવસ્યા તિથિ પર જન્મેલા બાળકની શાંતિ મૂળ નક્ષત્રોમાં બાળકોની જેમ કરાવવી જોઈએ. અમાવસ્યા પર જન્મ લેવો એ પિતૃદોષનું સૂચક માનવામાં આવે છે. જ્યોતિષ શાસ્ત્રમાં આ તિથિ ખૂબ મહત્વની છે.
એવું માનવામાં આવે છે કે આ દિવસે કરવામાં આવતી બધી યુક્તિઓ અને ઉપાયો શુભ પરિણામ આપે છે. આવી સ્થિતિમાં, અમાસના દિવસે, તમે જીવન સાથે સંબંધિત તમામ પ્રકારની સમસ્યાઓ દૂર કરવા અને તમારી ઇચ્છાઓને પૂર્ણ કરવા માટે આમાંથી કોઈપણ ઉપાય કરી શકો છો.
આ છે અમાસના ચમત્કારીક ઉપાય
1. અમાસ પર સ્નાન-દાનનું ખૂબ મહત્વ છે. આ દિવસે અન્ન, કપડાં, ગાય અને જો તમારી પાસે ક્ષમતા હોય તો સોનાનું દાન કરવું, જેનાથી શુભ ફળ પ્રાપ્ત થશે.
2. અમાસના દિવસે ગરીબ અને ભૂખ્યા વ્યક્તિને ભોજન કરાવવાથી શુભ ફળ મળે છે અને દુ:ખ અને દર્દ દૂર થાય છે.
3. કાલસર્પદોષને દૂર કરવા માટે, અમાસના દિવસે સ્નાન-ધ્યાન કરો અને યોગ્ય પંડિત દ્વારા ધાર્મિક પૂજા કરો. કાલસર્પ દોષને દૂર કરવા માટે, ચાંદીના નાગ-નાગણની પૂજા કરો અને તેને વહેતા પાણીમાં પ્રવાહિત કરો.
4. અમાસ પર ગંગા સ્નાન કરવાનું ઘણું મહત્વ છે. જો તમે આ કોરોના સમયગાળા દરમિયાન ગંગા કિનારે પહોંચી શકતા નથી, તો પછી પાણીમાં થોડું ગંગાજળ ઉમેરીને સ્નાન કરો અને નદી, તળાવ વગેરે પર જાઓ અને માછલીને ખવડાવો. આ એકદમ સચોટ ઉપાય છે.
5. અમાસના દિવસે નજીકમાં આવેલા પાર્ક અથવા મેદાન પર જાઓ, જ્યાં કાળી કીડી દેખાય, ત્યાં લોટમાં ખાંડ ઉમેરી એમને ખાવા માટે નાખો.
6. અમાસની રાતે કાળા કૂતરાને રોટલી પર તેલ ચોપડી ખવડાવો. આનાથી તમે શત્રુ પર વિજય મેળવશો.
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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