પિતા અને પુત્ર વચ્ચેનો સંબંધ અનોખો અને અપ્રતિમ છે. આજના યુગમાં પણ જ્યાં લોકો અલગ થવાનું વલણ ધરાવે છે, પિતા અને પુત્રો અસાધારણ જોડાણ જાળવી રાખે છે. સંબંધોમાં ખટાશ અને અંતર વધવા છતાં, પિતાનો તેના પુત્ર માટેનો પ્રેમ ક્યારેય ઓછો થતો નથી. પિતા અને પુત્રનો એક હૃદયસ્પર્શી વીડિયો સોશિયલ મીડિયા પર વાયરલ થયો છે, જે @goodpersonsrini દ્વારા ટ્વિટર પર પોસ્ટ કરવામાં આવ્યો છે.
વીડિયોમાં એક પિતા કે જે શતાબ્દી છે અને તેનો પુત્ર 75 વર્ષનો છે. તે પ્રશ્ન ઉભો કરે છે કે શું આવા ઊંડા જોડાણો ભવિષ્યની પેઢીઓમાં સાચવી શકાય છે. વીડિયોમાં, પુત્ર તેના પિતા સાથે અપાર પ્રેમથી વાત કરતો જોવા મળે છે જ્યારે બાદમાં બેડ પર આરામ કરી રહ્યો છે. જ્યારે પિતા તેમના પુત્રના શબ્દોને સમજવામાં નિષ્ફળ જાય છે, ત્યારે પુત્ર અંદર ઝૂકે છે અને તેના કાનમાં હળવેથી બબડાટ કરે છે. તે ધૂન વગાડીને તેના પિતાને ગાવા માટે પણ પ્રયાસ કરે
વિડિયોમાં પરિવારનું લોકેશન જણાવવામાં આવ્યું નથી, પરંતુ તેમની વાતચીતથી સંકેત મળે છે કે તેઓ દક્ષિણ ભારતના હોઈ શકે છે. જગન્નાથન નામના યુઝરે આ પોસ્ટ પર કોમેન્ટ કરીને ખુલાસો કર્યો કે આ વીડિયો તેના પરિવારનો છે. તેમણે @goodpersonsrini નો આભાર માન્યો અને શેર કર્યું કે તેમના પિતાએ 19મી જાન્યુઆરીએ તેમનો 105મો જન્મદિવસ ઉજવ્યો હતો, જ્યારે તેઓ પોતે 17મી જાન્યુઆરીએ 75 વર્ષના થયા હતા.
વિડિયો કૌટુંબિક બંધનોની સુંદરતા અને પિતા અને તેના પુત્ર વચ્ચે વહેંચાયેલા પ્રેમની ઊંડાઈના હૃદયસ્પર્શી રીમાઇન્ડર તરીકે સેવા આપે છે.
Father is 100+, son is 75. Can the coming generation sustain such relationships 🙏 pic.twitter.com/QHhcqBSOnC
— Tweet-today🇮🇳 (@goodpersonSrini) February 16, 2023
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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