Housing Loans: 30 Saal Ka Bandhan
Ghar banana sab ka khwab hota hai. Par gharo ke daam insani aamdani se itne aage kaisay nikal gaye?
Duniya bhar main Bank aur Real estate ke gath-jor ne property ko mehnga kiya hai. Jab banks ne 'Mortgage (Home loans)' asaan kiye, toh demand badhi aur qematein asmaan pe chali gayin.
Is price growth ne aapko bank ke aage majboor kar diya. Aap ek 30 Saal ka Loan sign karte hain. Iska matlab yeh hai ke aapki life ke sabse achhay saal sirf sood bharne mein nikal jayenge.
Agar aapne 1 Crore ka ghar liya hai, 10% interest rate par 25 saal ke liye... Toh 25 saal baad aap bank ko poori raqam 2.7 Crore (1 Crore Asal, 1.7 Crore Interest) denge! Yeh aapka ghar hai ya aap bank ke kirayedaar hain?
Sochiye: Jis insaan ki gardan pe 30 saal ka qarz latak raha ho, kya woh kabhi ghalat system ke khilaf aawaz utha sakta hai? Ya chup chap EMI girne k darr se ghulami mein rahayga?
Key Takeaway
Mortgage/Housing Loans property market me bubble banatay hain taa'ke aapko 30 saal ki ghulami (Sood ka bandhan) mein baandha ja sakay.