Loan lene ka idea simple lagta hai – form fill karo, documents upload karo, aur paisa account me aa jaaye. Par reality me bank reject kar sakti hai agar aap yearly income aur required loan ka sahi calculation nahi karte.
Is article me mai explain karunga step by step – kyun ye important hai, kaise bank check karti hai aur kaise rejection avoid kare.
Yearly Income Ka Role
Bank ya mobile loan app aapki repayment capacity check karti hai. Aur repayment capacity ka base hai aapki yearly income.
Example – Monthly income 50,000 → yearly income 6 lakh. Agar EMI 25,000 rakh diya → bank bolegi over limit, loan reject.
Required Loan Ka Calculation
Required loan amount ka matlab hai – aapko kitna actual paisa chahiye. Bank ke system me ye important hai, kyunki EMI aur tenure calculate hota hai.
Example – Agar aap 5 lakh loan chahte ho aur 6 lakh yearly income hai, system automatically EMI calculate karke check karta hai – kya aap afford kar paoge ya nahi.
EMI Ka Ratio
Rule of thumb – EMI monthly income ka 30-40% se zyada nahi honi chahiye. Self-employed ya salary based dono ke liye ye same hai.
High EMI → bank reject. Low EMI → approval easy, par total tenure aur interest adjust hoga.
Bank Internal Scoring
Bank sirf yearly income aur required loan nahi dekhti. Internal scoring model hota hai – income stability, age, employment type, existing liabilities.
Agar ye mismatch hai, ya unrealistic loan fill kiya → risk high, bank reject.
Common Mistakes Jo Rejection Ka Reason Bante Hai
- Monthly income multiply karke yearly income sahi nahi calculate karna.
- Required loan unnecessary high fill karna – actual need ke bawajood.
- Existing loans ya credit card liabilities ignore karna.
- EMI ratio exceed kar dena.
- Documents mismatch ya incomplete upload karna.
Real Life Example
Rohit ka monthly income 40,000, yearly 4.8 lakh. Usne mobile app me required loan 6 lakh fill kiya, sirf EMI check nahi kiya. Bank reject kar diya.
Next time – Rohit ne 3.5 lakh required loan fill kiya aur documents clear kiye. 2 din me approval aur paisa account me transfer. Lesson – sahi calculation + realistic loan = smooth approval.
Tips To Avoid Rejection
- Yearly income accurate calculate karo, ITR aur bank statement match karo.
- Required loan realistic rakho – actual need ke hisab se.
- EMI ratio monthly income ka 30-40% ke andar rakho.
- Existing liabilities include karo – credit card, personal loan.
- Documents upload properly aur clearly.
- Self-employed ho to extra proof ready rakho – GST, invoices, ITR.