Return On Investment क्या है? हमें Investment क्यों करनी चाहिए।

निवेश ( Investment ) क्या है?

भविष्य में जब आप किसी भी तरह का काम नहीं कर रहे है और आपकी कोई इनकम नहीं है, ऐसी परिस्थितियों में आपको पैसों की आवश्यकता तो होती ही है। लेकिन बिना नौकरी या बिजनेस के पैसे लाएंगे कहाँ से? इसके लिए आप आज की तारीख में अपने पैसों से घर, जमीन, गहने या किसी तरह की स्किम खरीदते है। जिससे भविष्य में आपके पैसे सुरक्षित रहते ही है, साथ ही इसपर आने वाले मुनाफे का आप फायदा उठा सकते है। जैसे कि आज आप ने एक घर खरीदा और कुछ सालों में उसकी कीमत बढ़ने के बाद उसे बेच दिया, तो आपको आपने जिस कीमत में अपना घर खरीदा था, उससे ज्यादा पैसे मिलते है। साथ ही इन कुछ सालों में अगर इस घर को आप रेंट पर देते है, तो हर महीने आने वाले रेंट से भी आपको फायदा ही होता है।

इन्वेस्टमेंट के दो मुख्य प्रकार है। एक है, फिक्स डिपाजिट, शेयर या बॉन्ड जिसमें आपको एक निश्चित ब्याज दर के साथ आपका रिटर्न हर महीने या साल मिलता है। दूसरा है, किसी चीज को खरीदना और उसकी कीमत बढ़ने के बाद उसे बेचकर अपने निवेश पर लाभ उठाना। किसी भी इन्वेस्टमेंट में सबसे जरूरी बात होती है, RETURN ON INVESTMENT। सबसे पहले जान लेते है, की Return On Investment होता क्या है।

 

Read more : https://www.yelonow.com/roi-calculation-emi-calculator-yelo/

New to Online Savings Account: Let’s Understand How to Use it?

Savings Account, not a new term, is known to almost all and acts as a handy tool to keep your funds safe. It not only keeps your funds intact but also comes as a better option of investment where your idle funds can gain attractive interest on them.

As we are living in a digital era, banks have made it very simple for the people to open new online savings account from the comfort of your office or home. Thus, you don’t have to physically visit the bank branch to facilitate the formalities that are required to open a savings account.

Read more: https://www.yelonow.com/online-savings-account-at-yelo/

A Guide to CIBIL or Credit Score and How To Avail a Loan With Bad Credit Score?

Your financial profile and credit worthiness highly depend on your credit score. A credit score is a 3-digit number that is assigned to your profile after assessing your credit & debit history. This score ranges from 300 to 900, where anything above 750 is termed as perfect. In India, you may find many agencies who calculate or do credit scoring, but among all TransUnion CIBIL is popular and reliable. Hence, a credit score is also referred to as the CIBIL score.

CIBIL or credit score is the first and foremost vital factor that is checked by every financial institution whenever you apply for any kind of credit i.e. a loan or a credit card. It allows the lender to assess your repayment capability. If your score is low, then the chances of accessing the credit will get badly affected and you might not get the same on your favorable terms & conditions or it might get rejected too. Thus, it becomes essential that you know how you can improve your credit score as this not only ensure that you get the required funds but will also allow you to crack a better deal suiting your terms.

Read more at: https://www.yelonow.com/loan-with-bad-credit-score-in-yelo/

How to Avail Lowest Interest Rates on Instant Personal Loan?

Financial exigencies are something that always exists, the reasons could be different, but yes, they do come in our life. Although many of us plan or keep our savings for such situations, but for others it could be difficult because of the increasing costs of living. In such situations, they need to borrow money from friends or families, which becomes difficult at times as everybody is sailing in the same boat and can't extend any help.

In such a scenario, instant loans from banks or NBFIs come as a savior. Personal loans are beneficial as they are unsecured in nature, means you don't have to submit any collateral against them and also doesn't have to specify the reason for it. This makes them an excellent option to clear your financial distress. But interest rates on personal loans are also high i.e. ranging from 10% to 20%. But not to worry as there are ways by which you can avail lower interest rates on personal loans and they are:

Job Type & Stability: If you are a salaried employee and working in the current organization for at least 2 years, then it can act as a positive identifier or factor when you apply for the personal instant loans. This ensures the lender that you have a stable job and regular source of income; hence you will pay EMIs on a regular basis.

Employer Reputation: Many banks or financial institutions do check the reputation of the organization where you would be working as they want to ensure the company's foothold in the market, i.e. whether they are strong and competitive market players which ensure the growth of their employees too.

Credit or CIBIL Score: It is one of the important factors checked by each bank or financial institution to check the borrower’s credit history and repayment capability. This ensures them you don't turn out to be a defaulter. A good CIBIL score will help you in early approval and lowest interest rates.

Personal Loan Comparison App: You will find many lenders who offer online instant personal loans, but it would be difficult for you to go to each site and check your applicability. Rather go for Instant Personal Loan Comparison App or an aggregator website which list down all the available options along with loan comparisons, which makes it easy for you to select the best suitable.

Above points can help you to negotiate for better and lowest interest rates, so always check them before applying for Personal Loans.