ઇન્ટરનેટની દુનિયામાં, મનોરંજક અને ભાવનાત્મક સામગ્રીની વિપુલતા છે જે વપરાશકર્તાઓને હસાવી શકે છે, રડી શકે છે અથવા મનન કરી શકે છે. તેમના પ્રિયજનો માટે મર્યાદિત સમય હોવા છતાં, લોકો ઘણીવાર એવા વીડિયોની પ્રશંસા કરે છે જે સંબંધોના મહત્વને પ્રકાશિત કરે છે. હાલમાં જ એક વૃદ્ધ વ્યક્તિનો હૃદયસ્પર્શી વીડિયો સામે આવ્યો છે, જે જોઈને તમારી આંખોમાં આંસુ આવી જશે.
આ વીડિયો ટ્વિટર પર શેર કરવામાં આવ્યો હતો અને તે દર્શકોના દિલ જીતી ચૂક્યો છે. વિડિયોમાં, એક 85 વર્ષીય દાદા તેમના નાના પૌત્રને જોઈને ઉત્સાહિત થઈ જાય છે અને પ્રક્રિયામાં તેમની વૉકિંગ સ્ટિક છોડીને તેને આલિંગન કરવા દોડે છે. જ્યારે તે બાળકને તેના ખોળામાં રાખે છે, શુદ્ધ આનંદનો અનુભવ કરે છે ત્યારે તેના ચહેરા પરથી આનંદના આંસુ વહે છે. વિડિયો દર્શાવે છે કે તમારા પ્રિયજનોના પ્રેમ અને હાજરી સાથે આ દુનિયામાં કોઈ પણ વસ્તુની તુલના કરી શકાતી નથી.
વીડિયોના કેપ્શનમાં લખ્યું છે, “આ માત્ર એક વીડિયો નથી, આ બાળકો અને વડીલો વચ્ચેની લાગણી છે…પૈસો જ સર્વસ્વ નથી, તમે તમારા વડીલોની દુનિયા છો.” વિડીયો જોયા પછી કેપ્શન સાચું પડ્યું.
વડીલો તેમના પ્રિયજનો તરફથી સૌથી વધુ પ્રેમ અને સ્નેહની ઝંખના કરે છે અને જ્યારે બાળકો આ ખુશી આપે છે, ત્યારે તેમના હૃદય આનંદથી ભરાઈ જાય છે. આ વીડિયોને જોનારા યુઝર્સ ભાવુક થઈ ગયા છે અને તેને હ્રદયસ્પર્શી અને હૃદયસ્પર્શી વીડિયો ગણાવી રહ્યા 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.
Unsecured loans
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.
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