Bank agent bolta hai – “Sir, aapka loan confirm, 100% approve.” Ya fir – “CIBIL perfect hai, bas sign kar do.” Par real life me hota kya hai? Is article me hum bank ke real system ke bare me bataenge aur agent ke jhooth pakdenge.

Agent Ki Common Jhooth

• “Loan 24 hours me approved ho jayega.”
• “CIBIL score agar 750 hai to automatic approve.”
• “Sir, documents bas formality hai.”
• “Settlement history ya previous default koi matter nahi karta.”
• “Branch manager bas mera kehna maan lega.”

Ye sab misleading statements hai. Agent commission kama raha hota hai, aur reality kuch aur hai.

Real Loan Approval System

Loan approval ka system multiple layers me kaam karta hai:

1. CIBIL Score Check

Bank sabse pehle aapka credit history dekhti hai. Score 750+ high probability, par guarantee nahi. Previous default ya settlement history bhi internal system me high-risk mark deta hai.

2. Income & Employment Verification

Salary slip, bank statement, employer verification. Stable income, proper tenure aur company authenticity check hoti hai.

3. Property / Collateral Verification

Home loan ya gold loan ke case me property ya asset verify hoti hai. Mutation, ownership, dispute check kiya jata hai. Incomplete papers = automatic red flag.

4. Internal Risk Scoring

Har bank ka internal risk scoring model hota hai. Income, liabilities, age, branch policy, applicant behavior – sab factors weightage me hai.

5. Co-Applicant / Guarantor Verification

Agar co-applicant ya guarantor hai, unki profile bhi check hoti hai. Weak co-applicant = loan reject ho sakta hai, chahe primary applicant perfect ho.

6. Legal & Compliance Check

KYC, PAN, Aadhaar, address, legal clearance – ye sab verify kiya jata hai. Minor mismatch bhi delay ya reject ka reason ban sakta hai.

Agent Ke Jhooth Aur Reality Ka Gap

Agent kehte hai “100% approve”, reality me bank ke multiple checks aur scoring rules hai. Agent ka kaam form fill karwana, documentation collect karna aur commission earn karna hai. Approval ya rejection uske control me nahi hota.

Real Life Example

Vikram ne home loan apply kiya. Agent ne promise kiya approval 100% aur CIBIL 780 hai, koi issue nahi.

Bank ne verification me dekha – property mutation pending tha aur co-applicant ka salary proof incomplete. Loan reject hua. Agent ne bhi phir explain nahi kiya ki reason kya hai.

Kaise Agent Ke Jhooth Pakde

• Loan status aur process directly bank branch se confirm karo.
• Documents aur verification checklist khud maintain karo.
• CIBIL report khud check karo aur settlement history samjho.
• Agent ka kehna sirf guidance hai, guarantee nahi.
• Loan terms aur eligibility bank se confirm karo, na ki sirf agent se.

Tips For Smooth Loan Approval

• All documents accurate aur verified ho.
• Salary account aur bank statement clean ho.
• Co-applicant strong profile ke sath ho.
• Property ya collateral ka proper valuation aur legal verification ho.
• Previous defaults aur settlement history ke liye recovery plan follow karo.
• Multiple bank applications ek saath na bhejo – red flag ban sakta hai.

Conclusion

Bank agent ke jhooth sirf convenience aur commission ke liye hote hain. Real loan approval process multi-layered aur strictly verification based hai.

Agent guidance ke liye helpful ho sakta hai, par guarantee kabhi nahi. Documents, CIBIL, income aur internal bank rules hi real approval decide karte hain.