Aaj kal har koi personal loan, home loan, ya business loan me guarantor dhundta hai. Aur kabhi kabhi hum sochte hain – ek do logon ki help kar do, bas guarantee sign kar do.
Par sach ye hai ki guarantor banne ka risk zyada hota hai, aur banks kabhi clear nahi batate.
Is article me hum seedha aur practical baat karenge. Kya nuksaan hai, kya responsibility hai, aur kaise avoid kare.
Guarantor Ka Role Kya Hai
Loan guarantor basically ek secondary responsible person hota hai. Yaani borrower EMI nahi pay karta, to bank guarantor se recovery kar sakta hai.
Legal term me, aap equally liable ho jaate ho. Aur ye liability sometimes unpredictable hoti hai.
Major Nuksaan #1 – Financial Risk
Agar borrower default karta hai, to bank directly aapko approach karega. EMI recover karne ke liye salary attach kar sakte hain, FD seize kar sakte hain, aur property pe bhi case ho sakta hai.
Simple words me – paisa loose ho sakta hai, aur aapke finances unstable ho jaate hain.
Major Nuksaan #2 – CIBIL Impact
Guarantor ka record bhi CIBIL me jata hai. Agar borrower late payment karta hai, aapka score bhi girta hai.
Aur agar borrower default karta hai, to aapke liye loan lena mushkil ho jaata hai. Bank consider karta hai ki aap already ek risky guarantee me involved ho.
Major Nuksaan #3 – Legal Risk
Loan guarantor legally liable hota hai. Matlab, court case me aapko defend karna padega agar borrower pay nahi karta.
Documentation me fine print hai, jo usually hum dhyan nahi dete. Ye risk kabhi samajh me nahi aata jab hum sign karte hain.
Major Nuksaan #4 – Relationship Damage
Ye sabse emotional aur subtle nuksaan hai. Friend, relative, ya family ke liye guarantor bante ho.
Agar payment default hota hai, to tension, argument, aur trust problem aa jata hai. Kai cases me rishte khatam bhi ho jaate hain.
Major Nuksaan #5 – Future Loan Approval Pe Effect
Guarantor ki liability aapke balance sheet me dikhti hai. Iska matlab hai, agar aap future me personal loan ya home loan ke liye apply karte ho, bank ke liye aap already ek risky guarantee me involve ho.
Approval delay hota hai ya interest rate zyada lagta hai.
Real Life Example
Ramesh ne apne cousin ke liye home loan guarantee sign kiya. Loan amount 25 lakh. Cousin ki business problem aayi, EMI 6 mahine miss hui. Bank directly Ramesh ke account ko freeze karne ke liye notice bheja. Ramesh ki CIBIL gir gayi aur 1 saal tak koi loan nahi mil paaya. Rishte me bhi tension start ho gayi.
Kaise Avoid Kare Nuksaan
- Guarantor sirf financially strong person hi bane.
- Borrower ki income aur repayment capacity verify kare.
- Maximum liability decide karen – poora loan guarantee mat karo.
- Documentation dhyan se padh kar samjho legal implications.
- Short-term loan ya secured loan guarantee prefer karo.
- Emergency exit clause ya agreement include karo.
Alternative – Guarantor Na Banne Ka Option
Aaj kal banks aur NBFC flexible hai. Co-applicant ya collateral options use kar sakte hain.
Isse aapki personal liability risk zero hoti hai, aur borrower bhi loan le leta hai.
Conclusion
Loan guarantor banna simple lagta hai, par hidden risk bohot zyada hai. Financial, legal, CIBIL aur relationship impact sab real hai.
Agar guarantee de rahe ho, to fully aware raho. Safe approach – collateral ya co-applicant route use karo, ya sirf fully trustable borrower ke liye limited guarantee do.