પતિ-પત્નીનો સંબંધ ખૂબ પવિત્ર માનવામાં આવે છે. પરંતુ દેશમાં કેટલાક લોકો એવા છે કે જે આ સંબંધોને બગાડે છે. અહીં આપણે ‘પત્ની અદલાબદલ કરવાની કાળી રમત’ વિશે વાત કરી રહ્યા છીએ. જેઓ પત્નીને અદલાબદલ કરવા વિશે જાણતા નથી, તેમને કહો કે આ રમતમાં, બે વિવાહિત યુગલો એક રાત માટે પત્નીની આપ-લે કરે છે.
છેલ્લા કેટલાક સમયથી આ રમતો દેશભરમાં બની રહી છે. આ પ્રેમ યુગલો ઇન્ટરનેટ પર એક બીજાનો સંપર્ક કરે છે, ફોટાઓ એકબીજા સાથે વહેંચે છે અને પછી એક નિશ્ચિત સમય અને સ્થળે રાત માટે પત્નીઓને બદલવામાં આનંદ કરે છે.
તમને જાણીને આશ્ચર્ય થશે કે દેશભરમાં અદલાબદલની આ કાળી રમતમાં 7000 યુગલો એટલે કે 14000 લોકો છે. તાજેતરમાં જ દિલ્હીની એક સ્થાનિક ન્યૂઝ ચેનલે સ્ટિંગ ઓપરેશન કરીને પત્નીને અદલાબદલ કરવાની રમતનો ખુલાસો કર્યો છે. સ્ટિંગ ઓપરેશનમાં અનેક ચોંકાવનારા ખુલાસા થયા છે.
સૌ પ્રથમ, ન્યૂઝ ચેનલની ટીમે આ દુનિયામાં પ્રવેશવાનો રસ્તો શોધી કાઢ્યો. ઘણી ચકાસણી કર્યા પછી, તેમને કેટલાક મોબાઇલ નંબર્સ અને ઇમેઇલ આઈડી મળ્યાં. જ્યારે ટીમે આ લોકોનો સંપર્ક કર્યો, ત્યારે સામેના દંપતીએ મીટિંગ પહેલાં કેટલાક ચિત્રો માંગ્યા. આ પછી તેણે તેની તસવીરો પણ મોકલી હતી.
હવે ચોક્કસ દિવસે બંને યુગલો મllલમાં મળ્યા. ટીમને જોઈને આશ્ચર્ય થયું કે આ યુગલમાં પતિ ડોક્ટર છે જ્યારે પત્ની કોલેજમાં પ્રોફેસર છે. જ્યારે આ લોકો પત્ની બદલવાની વાત કરી રહ્યા હતા, ત્યારે તેઓના હાથમાં 3 વર્ષનો છોકરો પણ હતો. આ લોકો નિર્દયતાથી આખી રમતની યોજના બનાવી રહ્યા હતા. આ પછી, દંપતીએ એક નિશ્ચિત સ્થળે આ રમત રમવા માટે ન્યૂઝ ટીમના અન્ડરકવર રિપોર્ટરને આમંત્રણ આપ્યું.
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
Research shows that one in 3 folks have pets who are suffering from pet allergies. Pets need emergency veterinary treatment once a year. this means that the pet is in want of facilitate and will be taken to a vet as shortly as doable. a major range of members of the family and pet homeowners have issue affording a couple of 1000-dollar vet bill.
This can be wherever pet insurance comes in. The "feedback loop" could be a development that happens once folks think about nature as absolutely separated from insurance protects pet homeowners from massive vet bills and conjointly helps the animals. Animals receive solely the required care. As folks pay extra money on their pets, getting pet There is a rise in insurance rates also. Pet insurance will facilitate cowl the prices of veterinary care.
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