Settlement Aur Late Payment Ke Baad Kisko Loan Mil Sakta Hai – CIBIL Ke Hisab Se

Ye topic un logon ke liye hai jo already ek phase dekh chuke hain. EMI late hui, pressure badha, aur phir ya to settlement hui ya account bigad gaya.

Ab jab thoda stable hone ka time aata hai, to dimag me ek hi sawal ghoomta hai –

ab mujhe loan milega ya nahi.

Is article me koi hawa hawa baat nahi hogi. Jo bank karta hai, jo CIBIL dekhta hai, wahi likha hai.

Sabse Pehle Ye Samajh Lo – Settlement Aur Late Payment Same Nahi Hote

Bahut log dono ko ek hi cheez samajh lete hain. Yahi sabse badi confusion hai.

Late Payment Kya Hota Hai

Late payment ka matlab:

• EMI ya credit card bill time par nahi gaya
• 30, 60 ya 90 din ka delay hua
• Par account close nahi hua

Yani galti hui, par relationship abhi zinda hai.

Settlement Kya Hota Hai

Settlement ka matlab:

• Pura paisa wapas nahi diya
• Bank ne discount me account band kiya
• Loss bank ne liya

System ke liye settlement ek red flag hota hai.

CIBIL Report Settlement Aur Late Payment Ko Kaise Dekhti Hai

CIBIL emotion nahi dekhta, sirf data dekhta hai.

Agar late payment hai to:

• Payment history me delay dikhata hai
• Score girta hai par recover ho sakta hai

Agar settlement hai to:

• Status me Settled likh jata hai
• Trust level low ho jata hai

Yahi se loan eligibility ka game start hota hai.

Late Payment Case Me Kisko Loan Mil Sakta Hai

Late payment walon ke chances zyada hote hain, agar kuch conditions match ho jaye.

Condition 1 – Recent Payment Clean Ho

Agar last 6 se 12 mahine me:

• Koi EMI late nahi
• Koi bill pending nahi

To bank positive signal leti hai.

Condition 2 – CIBIL Score 650 Plus Ho

Late payment ke baad bhi agar score:

• 650 se upar hai
• Gir kar stable ho gaya hai

To loan possible hai.

Condition 3 – Income Stable Ho

Bank ye dekhti hai ki:

• Job stable hai ya nahi
• Business chal raha hai ya nahi

Agar income achhi hai to late payment thoda ignore hota hai.

Settlement Case Me Kisko Loan Mil Sakta Hai

Yaha thoda tough ho jata hai.

Settlement ka matlab bank ke liye:

ye customer future me bhi default kar sakta hai.

Case 1 – Old Settlement, New Discipline

Agar settlement:

• 2 ya 3 saal purani hai
• Uske baad koi default nahi

Aur beech me:

• Secured credit card use hua
• On time payment hui

To small loan mil sakta hai.

Case 2 – Recent Settlement

Agar settlement recent hai:

• Last 12 mahine ke andar
• Koi credit rebuilding nahi

To mostly rejection hota hai.

CIBIL Score Ke Hisab Se Loan Possibility

Kaunse Type Ke Loan Mil Sakte Hain

Late Payment Ke Baad

• Personal loan small amount
• Consumer durable loan
• Two wheeler loan

Settlement Ke Baad

• Secured loan
• Gold loan
• FD backed loan

Unsecured loan settlement ke baad mushkil hota hai.

Real Life Example – Late Payment

Suresh ne 2023 me personal loan ki 2 EMI late kar di. CIBIL 780 se gir kar 690 ho gaya.

Usne next 12 mahine sab payment time par ki.

2025 me usko consumer loan aur phir credit card mil gaya.

Real Life Example – Settlement

Anil ne credit card ka 1.5 lakh ka settlement kiya. CIBIL 520 aa gaya.

Usne FD ke against credit card liya.

2 saal regular payment ke baad CIBIL 670 hua.

Abhi bhi personal loan nahi mila, par gold loan mil gaya.

Bank Settlement Walon Se Kyu Darti Hai

Kyuki bank ka experience bolta hai:

jo ek baar settle karta hai, wo dubara bhi kar sakta hai.

Isliye bank risk lene se pehle sochti hai.

Loan Chahiye To Ye Galti Kabhi Mat Karna

• Multiple banks me apply mat karo
• Fake income mat dikhao
• Agent ke jhoothe promise pe bharosa mat karo

Ye sab CIBIL aur bigaad deta hai.

Settlement Ke Baad Loan Ke Liye Best Strategy

Step 1 – Time Do

Settlement ke turant baad kuch nahi milta.

Step 2 – Secured Credit Use Karo

FD ya gold ke against loan lo.

Step 3 – Discipline Dikhao

Har payment time par.

Step 4 – Dheere Dheere Move Karo

Pehle chhota, phir bada.

Ek Kadwa Sach

Settlement ke baad loan milta hai, par easy nahi hota.

Late payment ke baad loan milta hai, par instant nahi hota.

System patience test karta hai.

Bank Se Zyada Aap Khud Responsible Hote Ho

Bank score nahi bigaadti.

Payment behavior bigaadta hai.

Aur wahi sudhar bhi sakta hai.

Conclusion

Settlement aur late payment dono ke baad loan mil sakta hai, par condition alag alag hoti hai.

Late payment walon ke chances zyada hote hain, settlement walon ko time aur discipline chahiye.

CIBIL ek punishment nahi hai, ye ek report card hai.

Report card sudhar sakta hai, agar aadat sudhar jaye.