Top 7 mistakes Jo aapke loan application ko barbad kar sakti hai (Aur unse kaise bache)

Loan ke liye aavedan karna—chahe vah naya ghar, car ya Apne vyavsay ke sapne ko pura karne ke liye ho—Ek kathin paristhiti mein chalne jaisa lag sakta hai. ऋणदाता har vivaran ki jaanch karte Hain, aur yahan tak ki छोटी-छोटी galtiyan bhi aapko vah swikriti nahin dila sakti jiski aap ummid kar rahe hain. Acchi khabar? Aavedan ko vifal karne wali adhikansh galtiyon ko Puri tarah roka ja sakta hai.

Iss guide mein, ham log aavedan mein hone wali sath aap sabse aam galtiyon ka vishleshan karenge, vastvik jivan ke udaharan sajha karenge, aur unhen dur karne ke liye vyavaharik rannitiyan pesh karenge. Chahe aap pahli bar ऋण Lene Wale ho ya anubhavi aavedak, ya jankari aapko khud Ko Ek bharosemand ऋण yogya ऋणदाता ke roop mein pesh karne mein madad karegi.

Apne credit score ko najarandaaz karna

Mistake:

Bahut se udhar Karta pahle apna credit score check kiya Bina hi aavedan prakriya mein khud padhte Hain— badi galti. ऋणदाता aapki विश्वसनीयता ka aakalan karne ke liye ine teen anko ki sankhya per bahut jyada nirbhar karte Hain।

Isase kaise bache:

Aavedan karne se pahle, Equifax, TransUnion ya Experian se apni credit score ki ek copy mange. ‌Errors ki talash Karen, aur agar aapka score 670 se kam hai ( jo ki “good” credit ke liye samanya Seema hai), to ise sudharne ke liye kadam uthae.

Vastvik jivan ka udaharan:

Jenna ne home loan ke liye aavedan Kiya, lekin band Store Card ne billing error ke Karan 580 credit score ke Karan use aswikar kar diya. Eak त्वरित vivad mein 7 dinon ke bhitar uske score ko 690 Tak badha Diya—theek usi samay jab use behtar shabdon ke sath swikriti mil gai.

Actionable Tip:

Apne credit swasthya ke niyamit nigrani ke liye credit sesame ya credit Karma Jaise nishulkul ka upyog Karen.

Adhuri ya galat jankari submit karna

Mistake:

Aavedan ko जल्दी-जल्दी bharane ke Aksar dastavej chhut jaate Hain ya typos Ho jaate Hain Jaise galat niyukta naam, mismatched addresses ya galat income.

Issase kaise bache:

Har chij ko dobara jaanch Karen. Ek checklist ka upyog Karen aur sunishchit Karen ki aapke dastavej aapke aavedan se bilkul Mel khate Hain. Yadi aap online aavedan kar rahe hain to autofil error se bache.

Actionable Tip:

aavedan shuru karne se pahle sabhi avashyak दस्तावेजों— ID, tax returns, pay stubs, bank statements—ka ek folder banaen.

Ek sath Kai logon ke liye aavedan karna

Mistake:

Loan Ke liye “shop around” aakarshak lagta hai, lekin kam samay mein bahut sare aavedan aapke credit score ko kam kar sakte hain aur aapko hatash dikha sakte hain.

Isase kaise bache:

ऋण tulna upkaran ka upyog kare Jo soft credit jaanch karte Hain. Jab aap aavedan karne ke liye taiyar ho, to credit score prabhav ko kam karne ke liye ise 30 din ki avadhi ke bhitar Karen.

Stat:

FICO ke anusar, ek hi prakar ke ऋण dinon ke bhitar Kai hot starch ko ek poochhtaachh ke roop mein Mana jata hai—isliye ise buddhimani se samay de.

Prakriya ke bich mein naukari aay ke स्रोत badalna

Mistake:

nai naukari romanchak lag sakti hai, lakin yah ऋणदाता ke दृष्टिकोण say jokhim paida kar sakti hai – khaskar agariya Kisi alag udyog mein ho ya aniyamit aay pradan karti ho.

Isase kaise bache:

Yadi sambhav Ho, to Apne ऋण ko swikrit aur वित्तपोषित hone Tak Kisi bhi bade rojgar Parivartan ko tale.

Real-Life Example:

Sam main banda ke liye aavedan karne ke do week bad hi salaried position se freelance mein switch kar liya. Kathinai Aaj sthirta ke Karan unki swakriti radd kar di gai.

Aavedan karne se theek pahle naya karj lena

Mistake:

Aavedan karne se theek pahle naya credit card kholna, car ke liye finance karna ya loan per sign karna aapke karj Se aaye anupat per nakaratmak prabhav dal sakta hai.

Isase kaise bache:

Apne vitt Koi sthir rakhen. Jab tak aapka loan Puri tarah Se process aur funded Na Ho jaaye, tab tak Koi naya karj na jode.

Actionable Tip:

36% se kam DTI ka Lakshya rakhe, Jo jyadatar ऋणदाता pasand karte Hain.

Down payment ke mahatva ko kam aakana

Mistake:

Kuch udhar Karta mante Hain ki minimal or zero-down loan sabse aasan Tarika hai. Lekin kam down payment karne se Aksar byaaj de rahi hai niji bandhak Bima badh jaati hai.

Ise kaise bache:

Ek majbut aavedan Aur behtar sharton ke liye khareed mulya ka kam se kam 10-20% bachane ki koshish karen.

Stat:

Urban institute ke anusar, Jo udhar Karta 20% se adhik down payment karte Hain, unke bandhak per default hone ki sambhavna 50% kam Ho jaati hai.

Apne ऋणदाता se sawad karne mein wifal hona

Mistake:

Apne ऋणदाता Ko bhul Jana ya dastave jama karne mein deri karna aapke aavedan ko rok sakta hai ya radd kar sakta hai.

Isase kaise bache:

Apne ऋण Adhikari ke sath nikat sampark mein rahe. Yadi aap Kisi bhi avashyakta ke bare mein anishchit hai, to turant jawab de aur question puche.

Actionable Tip:

Swikrit avadhi ke dauran Apne ऋण prakriya ka anusaran karne ke liye pratidin 30 minute nirdharit Karen.

Nishkarsh: Sakriy rahe, Not reactive

ऋण aavedan Keval kagaji kaarvayi nahin hai – ya aapke vittiya swasthya Aur jimmedari Ka Ek snapshot hai. In 7 samanya galtiyon se bachkar, ab jaldi se sarvottam sambhav sharton per swikrit hone ki apni sambhavnaon mein kafi sudhar kar sakte hain.

Remember: ऋणदाता logon Ko swikrit karna chahte hain – unhen bus kis baat ka Bharosa chahie ki aap ek surakshit daw hai.