Personal Loan Vs Gold Loan : कोणतं कर्ज ठरतं फायद्याचं? जाणून घ्या

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पैशांची गरज पडली तर पर्सनल किंवा गोल्ड लोन चांगला पर्याय ठरतो. पण दोन्ही कर्जाचे फायदा आणि तोटे वेगवेगळे आहेत.

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गोल्ड लोनवरील व्याजदर 9 ते 10 टक्के असतो. हा व्याजदर पर्सनल लोनपेक्षा कमी असतो. पर्सनल लोनचा व्याजदर 11 ते 18 टक्क्यांपर्यंत असतो.

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गोल्ड लोनसाठी दागिने गहाण ठेवले जातात. तर पर्सनल लोन काहीही तारण न ठेवता मिळतं. यात सोन गहाळ होण्याचं टेन्शन नसतं. पण क्रेडिट स्कोअर खराब होऊ शकतो.

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गोल्ड लोनसाठी दागिने तपासून लोन दिलं जातं. पण पर्सनल लोन हे इनकम, क्रेडिट स्कोअर आणि नोकरी पाहून दिलं जातं.

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गोल्ड लोन दागिन्यांच्या किमतीवर जास्तीत जास्त 75 टक्क्यांपर्यंत दिलं जातं. पण पर्सनल लोन उत्पन्नावर आधारित मिळते. पण ईएमआय इनकमच्या 50 टक्क्याहून जास्त नसावा.

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पर्सनल लोनचा वापर लग्न, प्रवास आणि अन्य खर्चांसाठी केला जातो. गोल्ड लोन एकदम गरजेवेळी घेतलं जातं.

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कर्ज फेडलं नाही तर गोल्ड लोनमध्ये दागिने जप्त होतात. तर पर्सनल लोनमध्ये काहीच तारण नसतं त्यामुळे क्रेडिट स्कोअर खराब होतो.

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व्याजदर कमी हवा असेल तर गोल्ड लोन आणि काहीही तारण न ठेवता लोन हवं असेल तर पर्सनल लोन योग्य ठरेल. तुमच्या गरजेनुसार तुम्ही काय ते ठरवा.

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