Secured Loans vs Unsecured Loans - Explained in Hindi

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  • Опубліковано 16 вер 2024
  • What are secured loans and unsecured loans? Which one should you choose in what situation? Explained in hindi. Sign-up to our new app for discounts and early access: ✔ assetyogi.com/...
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    Examples of secured loans are home loan, loan against property, gold loan, car loan, bike loan etc. which are also called as Mortgage Loan or Collateral Loans.
    Examples of unsecured loans are personal loan, education loan or student loans, credit card debt, bank overdraft etc. which are also called as no collateral loans.
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    सिक्योर्ड लोन्स और अनसिक्योर्ड लोन्स क्या होते हैं? किस स्थिति में आपको कौन-सा लोन चुनना चाहिए? होम लोन, लोन अगेंस्ट प्रॉपर्टी, गोल्ड लोन, कार लोन, बाइक लोन आदि सभी सिक्योर्ड लोन के उदहारण हैं। पर्सनल लोन, एजुकेशन लोन या स्टूडेंट लोन, क्रेडिट कार्ड डेब्ट, बैंक ओवरड्राफ्ट आदि अनसिक्योर्ड लोन के उदाहरण हैं।
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    In this video, we have explained:
    What is secured loan and unsecured loan?
    What is the difference between secured loan and unsecured loan?
    Which loans falls under secured loans?
    Which loans falls under unsecured loans?
    What are different types of secured loans and types of unsecured loans?
    Why interest rates are higher in unsecured loan compared to secured loan?
    In which situation should you opt for secured loan and In which situation should you opt for unsecured loan?
    What are the pros and cons of unsecured loan?
    What are the pros and cons of secured loan?
    सिक्योर्ड लोन और अनसिक्योर्ड लोन क्या होता है?
    सिक्योर्ड लोन और अनसिक्योर्ड लोन के बीच अंतर क्या है?
    कौन-सा ऋण सिक्योर्ड लोन के अंतर्गत आता है?
    कौन-सा ऋण अनसिक्योर्ड लोन के अंतर्गत आता है?
    सिक्योर्ड लोन और अनसिक्योर्ड लोन के कुछ उदाहरण क्या हैं?
    सिक्योर्ड लोन की तुलना में अनसिक्योर्ड लोन में ब्याज दरें अधिक क्यों हैं?
    किस स्थिति में आपको सिक्योर्ड लोन चुनना चाहिए और किस स्थिति में आपको अनसिक्योर्ड लोन?
    अनसिक्योर्ड लोन में क्या खूबी और कमी होती हैं?
    सिक्योर्ड लोन में क्या खूबी और कमी होती हैं?
    Make sure to Like and Share this video.
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    Hope you liked this video in Hindi on “Secured Loans vs Unsecured Loans”.

КОМЕНТАРІ • 279

  • @AssetYogi
    @AssetYogi  Рік тому +1

    Sign-up to our new app for discounts and early access:
    ✔ assetyogi.com/sign-up/

  • @saiyedimran5390
    @saiyedimran5390 4 роки тому +7

    Mukul - Your teaching skills, method of conveying, real time examples, topics to be covered etc are so concise, systematic and commendable. Have seen very such rare trainers in my career online. Thank you very much. you deserve much for than just a million.

  • @kuldeeepjonwal3137
    @kuldeeepjonwal3137 Рік тому +2

    Thanku so much sir itni ache se samjhane ke liye and especially hindi me smjhane ke vrna sbhi jgh English english hi he thanku so much esi hi ek vedio "Difference between NBFC and bank" pr hi bnao and agr bnai hui he to please link share kr do

  • @archindatar8625
    @archindatar8625 6 років тому +5

    Good video with a beautiful explanation Thank you very much Asset Yogi

  • @rmnthbhagat
    @rmnthbhagat 4 роки тому +4

    Thnk you sir. you are my "Top Rated" finance video dictionary.

    • @AssetYogi
      @AssetYogi  4 роки тому

      I hope this will be helpful Bhagat :)

  • @keyurthakkar1143
    @keyurthakkar1143 8 місяців тому

    Thanks, Now my doubts cleared after watching your video 😊

  • @sawanmahara930
    @sawanmahara930 Рік тому +3

    Very informative video👍️thank you sir🙏🙏

  • @advharish129
    @advharish129 4 роки тому +2

    Sir aapki har videos best Hoti he.thankyou so much sir.it is very very helpful 😊😊😎

    • @AssetYogi
      @AssetYogi  4 роки тому

      Thanks for appreciation Harish :)

  • @ankitam2025
    @ankitam2025 5 років тому +4

    Sir can u explain what financials ratio or calculations are used while giving secured loans?

  • @yashgala5741
    @yashgala5741 6 років тому +2

    Thank you sir Nice explanation of Secured loans and unsecured loans plz provide more video series

  • @rps7564
    @rps7564 5 років тому +3

    Sir your explanation is very impressive. Please make more videos. Thank you

    • @AssetYogi
      @AssetYogi  5 років тому

      Sure! thank you for appreciation 😊

  • @meenakshiyadav7848
    @meenakshiyadav7848 4 роки тому +3

    Thank you sir for valuable knowledge

    • @AssetYogi
      @AssetYogi  4 роки тому +1

      Keep learning Meenakshi :)

  • @kdclassicalworld2328
    @kdclassicalworld2328 3 роки тому +1

    Sir ji loan company wale ko cheq diya hai maine to kya wo secure loan hai ya unsecure loan plz help me

  • @manishkumarvaidh200
    @manishkumarvaidh200 3 роки тому +2

    A lot of thanks for gain my assets segment loan

  • @VikasKumar-xf3dd
    @VikasKumar-xf3dd 2 роки тому +1

    1:48 mint. Secured loan mein agar loan ka default hota hai to bank "apke" asset ko bechkar Apne loan ki recovery karta hai pr sir. Bank humare assets kyu bechega

  • @prashantlele3763
    @prashantlele3763 6 років тому +1

    Kindly make video on NPA, how and when account becomes NPA, what is the liability of borrower on account becoming NPA, what is the role of financial institutions on account becomes NPA and other points related to NPA

    • @AssetYogi
      @AssetYogi  6 років тому +1

      I have already made a video on NPA (Non-Performing Assets), you can watch it here: ua-cam.com/video/xaD4fJo6xGE/v-deo.html

  • @richaaggarwal766
    @richaaggarwal766 3 місяці тому

    Is there any huge difference between secured unsecured loans and secured unsecured advances..?

  • @abdulsamadmemon8867
    @abdulsamadmemon8867 2 роки тому +3

    Outstanding lecture

  • @laldevkurtadi6214
    @laldevkurtadi6214 3 роки тому +2

    Thank you sir your video is also incredible

  • @vipindhingra8562
    @vipindhingra8562 4 роки тому +1

    Dear Sir, Please make a detailed video on MOA and AOA.
    Thanku

  • @aartimaurya8530
    @aartimaurya8530 3 роки тому +3

    Thank you sir 🤗

  • @balwantsinghputte5087
    @balwantsinghputte5087 5 років тому +2

    सर यदि कोई व्यक्ति लोन नहीं चुकाया 3 महीने से तो उसके गारंटी लिए व्यक्ति पर क्या कार्यवाही होती है

  • @seetamandal1474
    @seetamandal1474 3 роки тому +2

    Thank you so much of u sir

  • @user-mz1qp3ye2v
    @user-mz1qp3ye2v 3 місяці тому

    Sir saving acount parsonal loan vs salry acount parsonal loan different video pls

  • @576poojakumari7
    @576poojakumari7 2 роки тому +3

    Amazing sir ♥️

  • @keshavgehlot4358
    @keshavgehlot4358 4 роки тому +2

    Sir what is monthly auto insurance payment pls make a video ☺

    • @DKeshavgehlot
      @DKeshavgehlot 3 роки тому

      Bhai account se automatically paise debit ho jaae gaa 🤣

  • @coolravichauhan
    @coolravichauhan 3 роки тому +2

    U r awesome, always. Love u. Hats off

  • @mr.touseef9391
    @mr.touseef9391 2 роки тому +1

    Very nice lectures

  • @problog8055
    @problog8055 4 роки тому +1

    Loan against land property me kya kya paper work hoga details di jiye sir

  • @DKeshavgehlot
    @DKeshavgehlot 4 роки тому +1

    Sir secured and unsecured loan long term borrowing hai kya?

  • @parashudg
    @parashudg 2 роки тому +1

    Wonderful teaching sir

  • @lachhmansingh129
    @lachhmansingh129 6 років тому +1

    Sir ji agar verificaitan sahi na ho to loin mil sakta hai

  • @RajKumar-kl9sg
    @RajKumar-kl9sg 4 роки тому +1

    Security loan me salary silp lagta hai ya nhi ??

  • @shifachauhan0810
    @shifachauhan0810 4 роки тому +2

    In secured loan can i take help from my sister if i keep her house as an asset

  • @mukeshkumartripathy6701
    @mukeshkumartripathy6701 6 років тому +1

    Sir agar koi unsecured loan liya h aur usse pay nahi karta h to Kya ho sakta h like home credit .

  • @Srrajput7827
    @Srrajput7827 8 днів тому

    Thank you so much 🙏

  • @sudhanshusekharbehera1770
    @sudhanshusekharbehera1770 5 років тому

    Best financial video we improv that think I satified

  • @priyaranjanmajhi5549
    @priyaranjanmajhi5549 Рік тому +1

    Ver nice sir your video

  • @sanyasworld1694
    @sanyasworld1694 4 роки тому +2

    Thanks a million Sir

  • @nitintapre3306
    @nitintapre3306 5 років тому +3

    Sir brilliant video, tell me about unscured loan documents,

    • @AssetYogi
      @AssetYogi  5 років тому

      Thank you for appreciation and for unsecured loan documents such as KYC, latest 3 months Bank Statement, salary slips for last 3 months and for self-employed the bank statement required is of last 6 months and income proof (audited financials for the last two years) is also required along with proof of continuity of business.

    • @nitintapre3306
      @nitintapre3306 5 років тому

      Sir I need information about unscured business loan documents

    • @shashanksahu3273
      @shashanksahu3273 3 роки тому

      @@xyzsilent8971 bhai presan na ho

  • @prashantgaware7363
    @prashantgaware7363 5 років тому +2

    Sir maine business ke liye parsnal aur business लोन liya tha unsecured par mai business mai loss aa chuka hu aur defolt ho chuka hu aur court case hone vala hai to ab kya karu plz help sir

  • @mehakjain7661
    @mehakjain7661 3 роки тому +1

    Very helpful video sir....!!

  • @sakshisinghal6259
    @sakshisinghal6259 6 років тому +7

    Make a video on Credit Score or CIBIL Score

    • @AssetYogi
      @AssetYogi  6 років тому

      Yes. Will do it soon.

  • @hsn5553
    @hsn5553 Рік тому

    सर कृपया करके इसका उत्तर दीजिए
    दो अलग अलग रजिस्ट्री है आजु बाजू में चिटककर
    दोनों पर लोन करना है दोनों पर इक लोन होगा या
    अलग अलग क्या करना पड़ेगा बताइए सर

  • @anamft4110
    @anamft4110 4 роки тому

    Sir what are primary securities and collateral yh bata dyn

  • @deshivlogs-qi2cc
    @deshivlogs-qi2cc 4 роки тому +1

    Sir agr m kabhi nhi bharu to payment to. Kya hoga

  • @tilakchandrakar5974
    @tilakchandrakar5974 5 років тому +1

    Sir kcc loan default me kya hota h

  • @amarpaul1421
    @amarpaul1421 5 років тому +3

    Dear Sir, Please educate us how to increase credit/cibil score if it is low like 726. Looking for your advice. Regards,

    • @indiangamer8786
      @indiangamer8786 2 роки тому

      Sir aapka itna cibil score h tb bhi aapko flexi hybrid limit financial backup mil jayega agar aap intrested ho to contact me

  • @altofat
    @altofat 5 років тому +1

    Kya Unsecured loan ki recovery ke liye bank wale chakkar lgate hai ghar ke?

  • @darmasrat8330
    @darmasrat8330 5 років тому +1

    Make more videos on banking

  • @sonugujrati6987
    @sonugujrati6987 5 років тому +1

    Unsucure loan hai bhar nahi Pa raha hu to kya hoga please bataye business loan hai wo v bank ne approve kar online diya hai no paper work no coastal

  • @harshchogale3063
    @harshchogale3063 6 років тому +1

    Jila parishad flats approved and mahanagar palika approved flats different between two Property make video on this

  • @mukeshkumartripathy6701
    @mukeshkumartripathy6701 6 років тому +1

    Unscure loan me Kya Kya hota h if not pay

  • @vishal65111
    @vishal65111 Рік тому

    Sir hum parsnol loun liy hai lekin ghr me bahut bada problem hone ka wajha se bhar nhi paa rahe h sirf 40,000 hi liy h or mujhe bahut pareshan kar rahe h to sir mujhe kiya karna chahiye

  • @vishnukant1647
    @vishnukant1647 6 років тому +1

    Loan settlement la process kyaa h

  • @krishnamurariprasad8165
    @krishnamurariprasad8165 Рік тому

    What if Unsecured loan borrower is dead for some reason? Will their relatives have to pay his debt if it was a unsecured loan?

  • @vaibhavchaudhari7884
    @vaibhavchaudhari7884 4 роки тому +1

    Is it mandatory for bank to obtain guarantors

  • @aaradhyasingh6863
    @aaradhyasingh6863 2 роки тому +1

    Thank u sir

  • @archana320
    @archana320 3 роки тому +1

    Amazing explanation

  • @mehakagrawal5041
    @mehakagrawal5041 4 роки тому +1

    Sir aap please composition levy par video banaiy

  • @suraj3584
    @suraj3584 Рік тому

    Sir maine mere friend ko mere .naam pe 🏍️🏍️ lekar dee usko thoda problem huu tha to maine uski 2 EMI bhari mere jeb se aur abhi continue 4 EMI nai. Bhari aur Feb month ki pending hai total 5 Emi pending hai TO NPA me chal gaya kyar sirji case

  • @rituyadav8578
    @rituyadav8578 4 роки тому

    Sir secured loans k bhi types hote h kaafi, aap vo bhi samjha dijiye please

  • @rohitakabari7190
    @rohitakabari7190 4 роки тому

    Jordar mukul bhai
    Aava video banav ta rahejo

  • @srikrishnasharma9216
    @srikrishnasharma9216 5 років тому +2

    Sir kisan credit card (kcc) secured loan hai ya unsecured loan hai.

  • @sahidali5007
    @sahidali5007 5 років тому +1

    Undecure loan bank ka debt h kya sir

  • @upendrayadav-ih7ct
    @upendrayadav-ih7ct 4 роки тому

    what if a personal loan is secured by general insurance plan by some bank offered is it true of fake pls make some video on it

  • @neeteshsuryavanshi8262
    @neeteshsuryavanshi8262 3 роки тому +1

    Nice information sirjii

  • @YouTubeaaau
    @YouTubeaaau 5 років тому

    Sir what is mean loan and advance in balance sheet of company in asset section

  • @astarpawara6399
    @astarpawara6399 3 роки тому

    Sbi top up loan 10लाख लेना है,सर security के लिये कोनसी policy लेनी चाहिए

  • @17alihassan29
    @17alihassan29 2 роки тому +1

    Thank you 😊

  • @sayantasaha2172
    @sayantasaha2172 Рік тому +1

    Love you 😇

  • @sandeepnaagar6925
    @sandeepnaagar6925 6 років тому +1

    Highly informative

  • @muneershaikh2796
    @muneershaikh2796 4 роки тому +6

    Mere ek hdfc credit card 100000 sbi card card 40000 aur personal lone 160000 My sare paise Ab mere pass kuch nahi hai main kya karo bahot prashan hun jop phi nahi hai

  • @mandeepsharma653
    @mandeepsharma653 6 років тому

    Sir agar working capital limit total use hogi ha aur interest regularly pay kar raha hai toa kya bank recovery amount kar sakta hai jaisa ki business ma ghata pad gya ho but hum apni other property sale out kar ka bank limit pay kar sakta hai kya bank time huma da sakta hai and kitna time da sakta hai

  • @lilmunchkin286
    @lilmunchkin286 5 років тому +1

    sarfaesi act ki video ??

  • @Mithun99Samanta
    @Mithun99Samanta 10 місяців тому

    Thanks for you sar.I am very happy

  • @harshdahiya6183
    @harshdahiya6183 6 років тому +1

    Investment pr video bnao ek

  • @deepakKumar-zl1jl
    @deepakKumar-zl1jl 3 роки тому +1

    Thank you sir 🙏

  • @aatishpala8305
    @aatishpala8305 День тому

    Unsecured loan konse bank deti hai

  • @mk-cz7qm
    @mk-cz7qm 4 роки тому +1

    Great video sir

  • @kishankumar-kh4fu
    @kishankumar-kh4fu 5 років тому

    Sir kya Bank se personal loan
    Lekar post office me
    Deposits karna Chahiye

  • @DLSPLANGAMING
    @DLSPLANGAMING Рік тому +1

    Nice sir

  • @dhami2121
    @dhami2121 2 роки тому +1

    Thanku sir

  • @chetanpeshin7772
    @chetanpeshin7772 4 роки тому +1

    Thank you so much sir u r aswn communication skills 💕💕💕

    • @AssetYogi
      @AssetYogi  4 роки тому

      Thanks for appreciation

  • @entertainmentwithsharmagir3671
    @entertainmentwithsharmagir3671 2 роки тому

    Thank you sir amazing ❤️

  • @thebeast063
    @thebeast063 4 роки тому

    Unsecured loan me kya action hoga agr na pay kiye to

  • @sandeepsrivastava9903
    @sandeepsrivastava9903 5 років тому +1

    Sir secured loans aur unsecured loans KO balance sheet me kaha show hoga?

  • @gadgettech
    @gadgettech 6 років тому +8

    Par unsecured loan par legal notice kyo mil raha hai

    • @AVMTECHVLOG
      @AVMTECHVLOG 3 роки тому

      Sirf notice mila usse aage kuch hua kya?

  • @govindmeena7866
    @govindmeena7866 6 років тому +2

    Thanks Sir
    Kitne amount tk personal loan le chahiye
    Need hone pr i mean 4-5 lack ki need ho to
    Plz rply me

    • @AssetYogi
      @AssetYogi  6 років тому

      Koi limit nahin hai govind. Lekin Personal loan last option hona chahiye. Agar apke paas option hai to home loan, top up loan, loan against property, loan against FD pehle try karein.

    • @pushpalatachinchole7329
      @pushpalatachinchole7329 6 років тому

      Sir ispe CMA inter k level ka ek practical sum explain kijiye

    • @samhudson955
      @samhudson955 6 років тому +1

      Sir I m unable to pay my personal loan EMI to my bank . I have no source to pay them back . Out of 10lac ,I paid them 3 lac , total outstanding is 7 lacs , the only thing I have is gold which has a worth of 2.80 lac , but bank is not willing to settle on that amount .I missed my 2nd gearing as well as did not receive any notice . Spoke to lawyer SD will inform any the 2nd date , pls suggest what should I do . I am in great mess .

    • @shaikimtiyaz5868
      @shaikimtiyaz5868 5 років тому +1

      bhai same probelm advice do na

    • @sonugujrati6987
      @sonugujrati6987 5 років тому

      @@samhudson955 kuchh nahi hota hai dero mat

  • @surajitpal8258
    @surajitpal8258 5 років тому

    Minimum age kitna chaiye to get loan for secured &unsecuerd loan.

  • @asifhassan5285
    @asifhassan5285 5 років тому +1

    Sir plssss ek video business cash credit pe bana do maine le liya aour pay nahi kar pa raha hu age kiya possiblity h

    • @AssetYogi
      @AssetYogi  5 років тому +1

      Here is your video Asif
      ua-cam.com/video/0Qo2nqNVsCs/v-deo.html

  • @yadavjee123
    @yadavjee123 2 роки тому

    Kcc kon si loan me ata hai

  • @brd8764
    @brd8764 2 роки тому

    Asset is a need

  • @rameshvishwakarma4763
    @rameshvishwakarma4763 5 років тому

    In case of bankruptcy who will be paid?

  • @whoopsfun9917
    @whoopsfun9917 5 років тому +1

    Sir bank fd k badle credit card deta hai to yeh unsecured loan kese huva ?? Or fd ki minimum balance bhi 50000 honi chahiyeh.

    • @AssetYogi
      @AssetYogi  5 років тому

      Kuchh credit cards FD ke baad issue kiye jate hain, aisa zyadatar low CIBIL score ya first-time credit card user ke case me hota hai lekin mostly credit card jo bina kisi security ke issue kiye jate hain unsecured me aate hain.

    • @whoopsfun9917
      @whoopsfun9917 5 років тому

      Ohk ! Thanks sir for replying.

  • @lalitvlog4266
    @lalitvlog4266 4 роки тому

    Sir,Education k liye unsecured loan le skte h

  • @sameeratappo
    @sameeratappo 2 роки тому

    sir ek doubt he
    mene SBI se personal loan liyaa he EMI toh har mahine account se deduct hotaa he par extraa kuch interest v deduct hotaa he wo kyoun ??

  • @MsNitinbansal
    @MsNitinbansal 5 років тому

    Sir FOIR per bhi video bana do plzzz

  • @nawajuddin6539
    @nawajuddin6539 4 роки тому +1

    Good

  • @chintanmistry1215
    @chintanmistry1215 5 років тому +1

    Best video