ऐसे पता करें अपना CIBIL Score, जानिए, कितना ले सकते है पर्सनल लोन

आज के समय में हर किसी के खर्चे बढ़ गए है, ऐसे समय में एक आम आदमी पर्सनल लोन लेने के बारे सोचता है, लेकिन बैंक के चक्कर लगाने से डरता है।

आपको पर्सनल लोन मिलेगा या नहीं ये आपके CIBIL Score पर निर्भर करता है।

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अगर CIBIL Score अच्छा है तो पर्सनल लोन अप्रूव होने के चांस बढ़ा देता है।

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आपको कम व्याज दर पर पर्सनल लोन, अच्छे सिबिल स्कोर से ही मिल सकता है।

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CIBIL Score 300 से 900 अंकों के बीच होता है, अगर CIBIL Score 750 अंक या उससे ज्यादा होता है, तो आपको बैंक से आसानी से लोन मिल सकता है।

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CIBIL Score आपके 24 महीने की क्रेडिट हिस्ट्री के हिसाब से बनता है।

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30% CIBIL Score इस बात पर निर्भर करता है कि आप समय पर कर्ज चुका रहे हैं या नहीं, 25% सिक्योर्ड या अनसिक्योर्ड लोन पर, 25% क्रेडिट एक्सपोजर पर और 20% लोन या क्रेडिट कार्ड के यूज पर निर्भर करता है।

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अगर आपने बैंक से किसी प्रकार का लोन ले रखा है और उसका पेमेंट आप समय पर नहीं करते हैं, तो इससे आपका क्रेडिट स्कोर खराब हो सकता है या गिर सकता है।

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आपके पास क्रेडिट कार्ड है और आप उसका बिल समय पर जमा नहीं करते हैं, तो इसका असर आपके क्रेडिट स्कोर पर पड़ता है।

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अगर आपके पास बैंक अकाउंट है और आप उसमें मिनिमम बैलेंस मैंटेन नहीं करते हैं तो भी आपका क्रेडिट स्कोर खराब होता है।

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अगले स्लाईड में बताए गए स्टेप को फॉलो कर के अपना CIBIL Score फ्री में चेक कर पाएंगे।

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1. सबसे पहले सिबिल की वेबसाइट www.cibil.com पर जाएं।

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2. होम पेज पर 'Get Your Free CIBIL Score' क ऑप्शन पर क्लिक करें।

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3. यहाँ अपना नाम, email ID दर्ज करें और एक पासवर्ड बनाए।

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4. इसके बाद अपना कोई ID प्रूफ (Passport Number, PAN Card Number, Aadhar Card or Voter ID Number) चुनें, फिर अपना Pin code, date of birth और mobile number दर्ज करें।

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5. सारी जानकारी देने के बाद, 'Accept and continue' पर क्लिक करें।

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6. अब आपके Mobile पर OTP मिलेगा उस OTP को डालें और continue पर क्लिक करें।

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7. ‘Your nomination was successful'’, यह मैसेज प्राप्त होगा, फिर वेबसाइट के डैशबोर्ड पर जाएं।

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8. अब आपका सिबिल स्कोर आपके सामने आ जायेगा।

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