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LIC Housing Finance se Home Loan liya hua hai, 9.1% per annum ka intrest rate chal rha tha, Cibil Score ke base pe 8.45% Intrest karaane ke liye bhi 5850 Rupees ka charge liya unhone, charges ke naam pe jeb kaat rakhi hai in logo ne
Thank you Shaktikanta Sir and our Administrations for taking care and looking into this for public❤❤ We should keep these people to make our nation more good and best for future
me MP govt.ka penssioners hu.mene Carloan ki guarantee di thi meri penssion account se 60-70hajar rupye vasul kr liye aur.mera civil score kharab mr.diya mujhe ajtk kisi bank ne personal loan nahi diya..ye mera vishva me sabse pichhda 🇮🇳
Government bank bhi personal loan deti hai lekin private bank bahot hi charge krti hai like 30%-36% reducing rate of interest unsme bhi processing fee, incurance, GST alag hoti hai......isme kuch kami krni chahiye
sir, from my point of view, reasonable penal charges that to be charged as mentioned by RBI should have been decided by RBI not by the boards of banks which further will bring ambiguity.
bhai fir toh directly govt. hi run karle banks. agar sab hath pao baandh doge toh banks business kaise karegi. little bit of autonomy should be there for healthy economy
An equity shares holder also known as Residual Owner. Why because they are liable to receive the remaining amount, after all the claims on the company's income and assets are met.
Hello sir mujhe apse kuch puchna tha Ek bank hai jiska naam स्वतंत्र समुह krke unse hum loan milla 40.000 ka but wo loan humare naam se loye but humne wo paisa use nahi kiye kissi aur ko diya qki wo boli the ki loan lai do apne naam se mai kist dungi krke time mai but wo ab nahi de rhi hai ek bhi intrest aur sir aa ke bahete hai humare ghar pe aur humko mngte hai paisa tw aise situation mai humko kya krna chaiye iske liye kuch hai kya
If chosen floating rate for home loan and if the repo rate increases then banks directly increases the interest rate and if the repo rate decreases then bank doesn't lower it on its own. Customer has to apply for it and have to pay charges ..this is so unfair n has to put in guidelines as well.
Sir charges to abi bhi principal me add honge, but it will be on one time basis, previously these penalty was collected in form of additional rate of interest over and above normal rate of interest of loans. Please correct yourself!
@@shubhamkale1992ha yaar hdfc walo ne mujhe zero balance account khulwaya, aur kyuki mere account me 150₹ hei the, unhone mere fd se 2780₹ kaat liye Almost har mhine ke 700₹, Kyuki mene 10k₹ ka amb maintain nhi rakha
I have set my own limit on my credit card to limit the unauthorised usage. I accidentally use upper limit one day, Next day they charged me / penalised me to use upper limit. What nonsense?
अनाप-शनाप ब्याज और चार्ज लगाने में बैंक मैनेजर की मनमर्जी चलती है और आडिट भी हो जाता है।आर बी आई इनके आगे कठपुतली बनकर रह गया अधिक वसूली गई राशि बैंक वापस नहीं करता है। किन्तु ऐसे अधिकारियों को और उनके पूरे परिवार को ईश्वर लकवा कैंसर किडनी सहित विभिन्न प्रकार की बिमारियों से सम्मानित करता है जिससे पीड़ित की बददुआ ईश्वर श्रृद्धा भक्ति विश्वास के साथ सुनकर ही सजा देता है जो शाश्वत सत्य है।
All this happened only because companies approached, till now many poor people have lost their homes and lands and lives as well. So govt resolves the problems of the companies but not to their citizens. Awesome! Great move from RBI, but realizations was a bit late.
galat kya hai ismein agar penal charges lag rahe.....banks are for profit organizations not some charity work.....same should be for private hospitals charging heavy fees and non generic medicines just to increase profit margins why not anything for hospitals...because their lobby is so strong
Dude how could you say banking loggy is not strong. Like everything else is okay for discussion but saying banking sector has weak lobby is the most absurd observation
सर मैने घर घेते वक्त मैने HDFC से housing loan लिया, तभी उसके उपर government tax करके मेरे पास से बहुत सारे पैसे लिये, मेरे पास पैसे नाही है इसिलीये मै loan ले रहा उतनी तो समजना चाहिये, 20 साल मे 4 गुना पैसा लेते है
@@coolbuddyashishsingh bro kisi bhi govt , ya pvt Bank mie jao 10 mie paise double ho jata h 20 mie 4 time ho jata h , loan ke liye 20 mie approx 4.5 time dena rhta h , ye iss aadmi ko pata ni h isne loan hi 20 saal likh Diya h
In short, banks never want you to wave off your loan on time or completely. RBI has a circular that says no bank can maintain an account that has a negative balance, which was released a long time ago. Some banks like HDFC Bank are still continuing with these malpractices.
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Make a video on loan app mpokket app
अगर आप 20 लाख का लोन लेते है तो ये consumer का सरदर्द है। लेकिन आप 2000 करोड़ का लोन लेते है तो ये बैंक का सिरदर्द है।
Sahi bola bhai
दुनिया का हर विकसित देश कर्जदार है
Sahi hai 😀
😀👍🏾
Haa Bade customers Ki to sabhi companies fikr Karti Hain
Very valuable information, not only for the aspirants but also for general public. Great work 'StudyIQ IAS' keep it up. 👍
Indirectly you are giving confidence to wilful defaulters. Congrats 🎉
Congratulations for 15 million
Equity shareholders are paid on the basis of earnings of the company and do not get a fixed dividend. They are referred to as 'residual owners'.
LIC Housing Finance se Home Loan liya hua hai, 9.1% per annum ka intrest rate chal rha tha, Cibil Score ke base pe 8.45% Intrest karaane ke liye bhi 5850 Rupees ka charge liya unhone, charges ke naam pe jeb kaat rakhi hai in logo ne
Thank you Shaktikanta Sir and our Administrations for taking care and looking into this for public❤❤ We should keep these people to make our nation more good and best for future
me MP govt.ka penssioners hu.mene Carloan ki guarantee di thi meri penssion account se 60-70hajar rupye vasul kr liye aur.mera civil score kharab mr.diya mujhe ajtk kisi bank ne personal loan nahi diya..ye mera vishva me sabse pichhda 🇮🇳
Sir- personal loan includes consumer credit, education, mortgage, housing, investment. (Please click the link given in the footnote of the circular?
Loan term paper should publish in local language so the borrower can understand most important terms and condition.
Great initiative by RBI.
Bank was harassing on name of penal interest.
To time pr emi kyu nhi bharte
@@gauravtanmaytime par hi bharte hai but tumhare bank jaanbujh kar time par ECS nahi deduct karte baad me hame hi uska charge bharna hota hai
I was expecting exactly this kind of rule. Well done RBI.
Home loan ko rbi ne alag se department rkhna chahiye... Jiska intrest bhi alag rkhna chahiye...
महाशय जी, यह देश में कम पढ़े लिखे लोग हैं, बैंक के सारे दस्तावेज हिन्दी में होना चाहिए,ताकि पढ़ कर हस्ताक्षर करें,
Government bank bhi personal loan deti hai lekin private bank bahot hi charge krti hai like 30%-36% reducing rate of interest unsme bhi processing fee, incurance, GST alag hoti hai......isme kuch kami krni chahiye
An equity shareholder is also known as residual owner
Sir Vijyanagar empire ko bhi sanjhayiye plzzzzz 🙏🙏🙏🙏
Why not rules for NBFC?
Sir jiska drt mem homeloan ka case chalraha hai uska upper kya hoga?
Can you please create a brief video on RBI new circular (RBI guidelines for default interest) ?
Bank koi bhi unauthorised agreement nhi kra sakta agar Court me jane se Bank ka har nischit hai
sir, from my point of view, reasonable penal charges that to be charged as mentioned by RBI should have been decided by RBI not by the boards of banks which further will bring ambiguity.
bhai fir toh directly govt. hi run karle banks. agar sab hath pao baandh doge toh banks business kaise karegi. little bit of autonomy should be there for healthy economy
Great decision by RBI👍
Equity shareholders are known as residual owners
It should applicable for nbfs also
An equity shares holder also known as Residual Owner. Why because they are liable to receive the remaining amount, after all the claims on the company's income and assets are met.
Credit card pe bhi late payment par late fee ke upar bhi processing fee or igst lagti hai...
Congratulations for 15 million subscribers ❤
car loan me lockdown k time se penalty baaki he or penalty par interest lagaaya hua he to kya kare....? bhare k nahi
Hello sir mujhe apse kuch puchna tha
Ek bank hai jiska naam स्वतंत्र समुह krke unse hum loan milla 40.000 ka but wo loan humare naam se loye but humne wo paisa use nahi kiye kissi aur ko diya qki wo boli the ki loan lai do apne naam se mai kist dungi krke time mai but wo ab nahi de rhi hai ek bhi intrest aur sir aa ke bahete hai humare ghar pe aur humko mngte hai paisa tw aise situation mai humko kya krna chaiye iske liye kuch hai kya
Grace period for emi period how much?
regulated not registered in case of RE
If chosen floating rate for home loan and if the repo rate increases then banks directly increases the interest rate and if the repo rate decreases then bank doesn't lower it on its own. Customer has to apply for it and have to pay charges ..this is so unfair n has to put in guidelines as well.
Jo loan lender hain sir wo RBI ke rule ko kuchh nhi mante Jo charges wo lagate hain lga hi lete hain
Sir log ko insurance company par. Bhi nakel kasna chahiye
Sir maine kisan credit cards loan leke rakha hai is par bhi lagu hongaa kya
Is it retrospective?
This is good news for public .
I servival with lung Cancer in 4th stage but Bank too much harrassment what can i do
Mere home loan pr 15% lgaya h rate of interest kya ye sahi h
Sir charges to abi bhi principal me add honge, but it will be on one time basis, previously these penalty was collected in form of additional rate of interest over and above normal rate of interest of loans.
Please correct yourself!
are u sure about it ? matlab penal charges will be added to principal & interest will be levied on entire principal.
Kya prepayment charges applicable hoga
Kaun sa loan lena achha hota hai personal ya home loan
Bhai mat lena. Idhar udhar se kaam chla le. Tang ho le but loan mat liyo. 😉😉😉
Bro home loan vo 7%
Personal loan 11%
Does this rule/law applies to private banks like HDFC etc
Obviously
😂
Penal charges ka rule. Nbfc pr bhi lagu hona chahiye..
Option a
What if panelty isn't paid on the same month?
Are bhai ye agf charges kiya hota h aur bank ko kitna kaatna k adhikaar rbi n diya h ??????? Ekk details video banao n bhai
In savings - 2 %
Loan - 10-20 %
A) equity shareholder
It means itne time se ye ho rha tha and RBI soya Hua tha abhi tak...
Good sir ji
महाशय जी, सादर नमस्कार, बैंक बाले कहा इन नियमों कहा मानते हैं,, ग्राहकों से कोरे कागज़ पर दस्तख़त करवाया जाता है।।
Wooow nice step from rbi..
Existing loan chal raha ho usme bhi ye lagoo hoga?
Banks ne already pinnal interest charges signed karva liye honge.
RBI should recover all these Penal Interest from Banks , it can't allow them to keep this extortion money
*Mein Fir Bhi Kahunga 2 Roti Kam khao lekin Loan na hi lo to achha hai* ❤
2 waqt ka biryani khaye to chalta naa 😢😢
@@shubhamkale1992ha yaar hdfc walo ne mujhe zero balance account khulwaya, aur kyuki mere account me 150₹ hei the, unhone mere fd se 2780₹ kaat liye
Almost har mhine ke 700₹, Kyuki mene 10k₹ ka amb maintain nhi rakha
Bilkul Sahi baat hai
Why now why not during covid this was done I paid hefty amount on my home loan as intrest on intrest
Sir prasnal lon maroku chiya
Jai Hind 🇮🇳
Tq RBI
I have set my own limit on my credit card to limit the unauthorised usage.
I accidentally use upper limit one day, Next day they charged me / penalised me to use upper limit.
What nonsense?
Bhai main v bankein hee hoon mera v 760 credit card pe penalty le liya. Mera auto debit tha phire v . but compln karne pe bapas kar diya
Yes same happened with me 😢
@@rakeshyadav-wr6gbkese complain kiya tha
Option A
Credit Card ko include krna chaiye tha
Wbt credit cards?
credit cards walo ko bhi line out Karo..
अनाप-शनाप ब्याज और चार्ज लगाने में बैंक मैनेजर की मनमर्जी चलती है और आडिट भी हो जाता है।आर बी आई इनके आगे कठपुतली बनकर रह गया अधिक वसूली गई राशि बैंक वापस नहीं करता है। किन्तु ऐसे अधिकारियों को और उनके पूरे परिवार को ईश्वर लकवा कैंसर किडनी सहित विभिन्न प्रकार की बिमारियों से सम्मानित करता है जिससे पीड़ित की बददुआ ईश्वर श्रृद्धा भक्ति विश्वास के साथ सुनकर ही सजा देता है जो शाश्वत सत्य है।
Concentrate on loan write off.
Bank bahot sara extra charg leta he eslia hamne bank se loan lena sor diya.. individual se lena hi atsa he..
Residual owner --->> Equity shareholder
If borrower defaults he should pay the penalty otherwise people will think its a good thing to default
😢 आरबीआई को बैंक में नियमों को लिखवा कर टांगाना चाहिए, बैंकों में रीजनल मैनेजर का नाम एवं पता मोबाइल नंबर, ई मेल एड्रेस भी लिखना चाहिए,,
A option
All this happened only because companies approached, till now many poor people have lost their homes and lands and lives as well. So govt resolves the problems of the companies but not to their citizens. Awesome! Great move from RBI, but realizations was a bit late.
Very late.
Better late than never.
Bajaj finance bahut paresan karta he sir
Micro finance ne bahut loot macha rkhi hai sabhi manchahe interest lga rhe hai
Penal charge lene se bhi toh sardard utna hi hai change kya hua isme
Sirf bank hi nhi private finance company ne bhi lut macha rakhi hai
Equity Shareholders
Equity shareholder
NBFC k liye kya rule h
Ab kya jb chidiya chug gyi khet ab to pura loan ka payment kr k aa gya😢😢
RBI is doing actual Customer Satisfaction , others are just talking hawty on Twitter
अगर लोन लेना पड़े तो सिर्फ सरकारी बैंक से लेना चाहिए।
सरकारी बैंक धोखाधड़ी नही करते हैं।
सरकारी बैंक आसानी से लोन भी नहीं देते महाराज, दुनिया भर का ताम-झाम कराते हैं इसलिए आदमी थक-हार कर दूसरी जगह तलाशने लगता है।
Banks ripped apart the borrowers during covid. Very sorry state of affairs.
Bank man mani karta hai
Koi bhi bank follow nhi kar rahe hai RBI ki guidelines ko
B
Completely Wrong interpretation of "Penal Interest".. First time disappointed in StudyIQ
Hdfc ....c se koi lone mat lena ....ye pareshaan kar denge
Credit card sabse jyada penalty charge lagata hain.
Banks should bifurcate between financial terms and non financial terms
galat kya hai ismein agar penal charges lag rahe.....banks are for profit organizations not some charity work.....same should be for private hospitals charging heavy fees and non generic medicines just to increase profit margins why not anything for hospitals...because their lobby is so strong
Bhai branded cloth aur generic cloth me difference he
Dude how could you say banking loggy is not strong. Like everything else is okay for discussion but saying banking sector has weak lobby is the most absurd observation
@@Shivamsingh1997No, it's not absurd. No one in the bank personally cares to lobby (especially PSBs)
👍🏼
सर मैने घर घेते वक्त मैने HDFC से housing loan लिया, तभी उसके उपर government tax करके मेरे पास से बहुत सारे पैसे लिये, मेरे पास पैसे नाही है इसिलीये मै loan ले रहा उतनी तो समजना चाहिये,
20 साल मे 4 गुना पैसा लेते है
Han toh bhai FD mie paise 22-23 saal mie char guna ho jate h , Commission ni lenge toh Business kaise chalega ?
@@Ayushsingh-qz6xhkonsi bank me 4 times hota h 😂
@@coolbuddyashishsingh18-20 saal me hi hojate bro..
@@coolbuddyashishsingh bro kisi bhi govt , ya pvt Bank mie jao 10 mie paise double ho jata h 20 mie 4 time ho jata h , loan ke liye 20 mie approx 4.5 time dena rhta h , ye iss aadmi ko pata ni h isne loan hi 20 saal likh Diya h
In short, banks never want you to wave off your loan on time or completely. RBI has a circular that says no bank can maintain an account that has a negative balance, which was released a long time ago. Some banks like HDFC Bank are still continuing with these malpractices.
Pehle bata deye k credit card pe apply nahi hoga , to poori video na dekhna padti !
Excatly Hua kya hai....
Offline lone avi v asa karraha he sir.. Mera sat please help 😢😢