Home loan vs personal loan: Difference, interest Rate ,EMI aur kaun sa better hai ? (2026)

 

Home Loan vs Personal Loan: Difference, Interest Rate, EMI Aur Kaun Sa Better Hai? (2026 Guide)

Loan 

Simple language mein samjhe to loan wo paisa hota hai jo hum zarurat ke time Bank ya kisi financial institution se udhaar lete hain. Is paise ko hume baad mein interest (byaj) ke saath wapas chukana padta hai.

Generally loan 2 tarah ke hote hain: in

1. Secured Loan
2. Unsecured Loan

1. Secured Loan 

Secured loan mein loan lene ke liye borrower yani loan lene wale vyakti ko apni koi asset ya property security ke taur par girvi rakhni padti hai.

Agar kisi wajah se borrower loan nahi chuka pata, to bank apne rules ke according girvi rakhi hui asset ko sell karke apna paisa recover kar sakta hai.

Kuch common examples:

• Home Loan – Isme ghar ya property security hoti hai.
• Car Loan – Isme car security hoti hai.
• Gold Loan – Isme gold security hota hai.
• Loan Against Property – Isme property security hoti hai.

Isi security ko hum collateral bhi bol sakte hain.

2. Unsecured Loan 

Unsecured loan secured loan se thoda alag hota hai. Isme loan lene ke liye aapko apni koi property ya asset girvi rakhne ki zarurat nahi padti.

Iske kuch examples hain:

• Personal Loan
• Education Loan
• Credit Card Loan

Lekin yahan ek important baat hai. Kyunki bank ke paas loan ke against koi property security nahi hoti, isliye bank ke liye risk comparatively zyada hota hai.

Isi wajah se loan approve karne se pehle bank borrower ki CIBIL Score ya Credit Score, income aur repayment history jaise factors check karta hai.                                        

Yahan maine CIBIL Score kya hai aur Credit Score kaise improve karein, iske baare mein full details mein article banaya hai. Aap is link par click karke poora article padh sakte hain.

CIBIL Score kya hai aur credit score kaise improve karein

Unsecured loan mein generally:

• Loan amount comparatively kam mil sakta hai.
• Interest rate (byaj) secured loan se zyada ho sakta hai.

Home loan aur personal loan kis tarah se work karte hain?

Home loan ek secured loan hota hai. Aur bank ye loan tab deta hai jab aapko ghar kharidne, banwane ya renovate karwane ki zarurat hoti hai.

Aur bank aapse home ko collateral (security) ke roop mein bank ke paas girvi rakhne ko kehta hai. Jab tak bank ka pura loan chukta nahi ho jata, tab tak ghar bank ke paas security ke roop mein rehta hai.

Agar bank ka loan puri tarah se chukta nahi hota hai, to bank ke rules ke according Bank applicable legal process follow karke property ko auction kar skta hai aur apna loan recover kar skta hai.

Home Loan Se Judi Zaroori Jankari

● Banks property ki value ka 70 se 90% hi finance karte hain.
● Floating rate sasti padti hai, lekin time ke saath change hoti rahti hai.
● Normally home loan mein tenure zyada hota hai, jo 15, 20 ya 30 saal tak ho sakta hai. Lambi tenure mein EMI kam hoti hai, par total interest zyada lagta hai.
● Pre-payment: Floating rate mein agar aap bank dwara diye gaye time period se pehle hi loan chuka kar loan close karte hain, to bank aapse kisi bhi tarah ki pre-payment penalty nahi leta.
● Bank aapse processing fees loan amount ki 0.5 se 1% tak charge kar sakta hai.

Savings account vs currant account kya hai

Home Loan Ki EMI Na Chukane Par Kya Hota Hai?

Agar borrower (loan lene wala vyakti) kisi wajah se home loan ki EMI time par nahi bhar pata, to iska matlab ye nahi hai ki bank turant ghar le leta hai. Pehle bank mail ya calls ke through yaad dilata hai ya warning deta hai. Agar EMI lagatar pending rahe, to situation dheere-dheere serious ho sakti hai.

Home loan secured hota hai, isliye bank ke liye zyada safe hota hai.

1. EMI (Equated Monthly Instalment) late hone par penalty lag sakti hai.

EMI due date par payment na kar pane par bank late payment charges yani penalty laga sakta hai.

2. Credit score par negative effect pad sakta hai.

EMI baar-baar miss hone par aapka CIBIL score down ho sakta hai, jisse future mein loan lene mein problem aa sakti hai.

3. Agar loan ki payment lagatar bahut samay tak pending rahe to account NPA (Non-Performing Asset) classify kiya ja sakta hai.

Ye banking rules ke according hota hai aur aam taur par 90 din se zyada payment overdue rehne par account NPA classify kiya ja sakta hai.

4. Ghar ki auction ho sakti hai.

Agar borrower outstanding dues aur penalty ko bank dwara diye gaye time par nahi bhar pata hai, to applicable legal process follow karne ke baad bank property ko possession mein lekar auction kar sakta hai.

Aur bank apna diya hua loan recover karta hai.

5. Agar property auction se mili amount outstanding dues ko poora cover nahi karti hai to bank ke paas applicable legal remedies hoti hain.

Aur ye maan lena sahi nahi hai ki bank ne auction ke baad bhi poora loan clear kar diya.

Personal Loan Kya Hai?

Jab apni personal zarurat ke liye bina kisi collateral (yani bank ke paas kuch bhi girvi rakhe bina) liya gaya loan Personal Loan hota hai.

Personal loan ek tarah ka unsecured loan hota hai, jo bank ya NBFC (Non-Banking Finance Company) deti hai.

Example: Education, emergency, wedding, travel jaisi zaruraton ke liye personal loan liya ja sakta hai.

Personal Loan Se Judi Kuch Zaroori Baatein

• Bank ke paas aapko kuch bhi girvi ya collateral nahi rakhna hota hai.
• Pura loan aapki income aur credit score par based hota hai.
• Normally 50,000 se 40–50 lakh tak ka loan bank ya NBFC aapki income ke hisab se approve kar deti hai.
• Personal loan ka time period 1 se 5 saal tak ka hota hai aur kuch bank 7 saal tak bhi loan dete hain.
• Kuch bank 24–48 ghante mein loan approve kar dete hain, aur kuch bank to same day aapko paisa transfer kar dete hain.
• Personal loan lene mein jo bhi processing hota hai, us par bank processing fees leta hai, jo 1 se 3% plus GST ho sakti hai.
• Personal loan ka interest home loan ke according zyada hota hai (10 se 24% tak ho sakta hai), kyunki bank ke paas kisi bhi tarah ka collateral nahi hota hai.                      

Example

Maan lo Rahul ko ₹1,00,000 ki zarurat hai, isliye woh bank se ₹1 lakh ka personal loan leta hai.

• Loan Amount: ₹1,00,000
• Interest Rate: 13% yearly
• Loan Tenure: 2 saal (24 months)
• Monthly EMI: Approx. ₹4,754
• Total Repayment: Approx. ₹1,14,100
• Total Interest: Approx. ₹14,100

Yani Rahul ko 2 saal mein loan ki rakam ke saath lagbhag ₹14,100 interest bhi chukana padega.

Note: Ye example approximate hai. Actual EMI aur total repayment bank ki interest calculation method, processing fees aur anya charges ke karan thode alag ho sakte hain.

Personal Loan ka Interest Zyada Kyu Hota Hai?

Personal loan ka interest home loan ke according zyada hota hai, jo 10% se 24% tak ho sakta hai, kyunki personal loan mein bank ke paas kisi bhi tarah ka collateral nahi hota.

Agar borrower personal loan ki EMI lagatar nahi chukata, to lender loan account ko default ke roop mein treat/report kar sakta hai. Iska borrower ke credit score aur future mein loan lene ki eligibility par negative effect pad sakta hai.

Disclaimer

Is article mein Home Loan aur Personal Loan se judi jankari sirf educational purpose ke liye di gayi hai. Interest rate, EMI, charges aur loan terms bank ya lender ke according alag ho sakte hain. Article mein diye gaye examples sirf samjhane ke liye hain. Loan lene se pehle apne lender se latest terms aur conditions zaroor check karein.

🙏 Agar aapko meri di hui jankari achchi lagi ho, to is article ko zarur share karein. 😊

🙏 Mere blog par aane ke liye aapka dil se dhanyavaad ♥️😇🙏