(ऋण सम्बन्धित शब्दहरु)
1. Lender: The person who gives the loan, is called a lender. (ऋणदाता)
2. Borrower: Borrower is the person who receives the loan. (उधारकर्ता)
3. Principal amount: The amount which is borrowed is called the principal amount. Interest is calculated on the principal.
(जती रकम उधारो छ, जो मुख्य रकम भनिन्छ।. ब्याज मुख्य मा गणना गरिन्छ. )
4. EMI: Equated monthly installment (EMI): A fixed payment made by a borrower to a lender at a specified date each month. (एक निश्चित भुक्तानी प्रत्येक महिना एक ऋणदाताले उधारकर्तालाई गर्नुपर्ने निर्दिष्ट मितिमा)
5. KYC: Know your customer (KYC): KYC enables banks to know and understand their customers better. KYC documents include: Identity proof, residential proof, age proof, and copy of bank pass book / bank statement. (आफ्नो ग्राहकहरु राम्ररी बुझ्न बैंकलाई सक्षम बनाउँछ. KYC कागजात समावेश: पहिचान प्रमाण, आवासीय प्रमाण, उमेर प्रमाण, बैंक पास पुस्तक / बैंक विवरण को प्रतिलिपि)
6. Eligibility criteria: Eligibility criteria lists certain norms that are needed for you to qualify for getting a loan. The documents may vary for different loan products. Usually, eligibility is dependent on the borrower's salary, number of dependents, whether the borrower has other loans to repay, etc.
(योग्यता मापदण्ड निश्चित मान्यता हो जोकी तपाईं ऋण प्राप्त गर्नुका लागि योग्य हुनुहुन्च्छ कि भन्ने आवश्यक सूची हो. विभिन्न ऋण उत्पादनहरु लागि कागजात फरक हुन सक्छ. सामान्यतया, योग्यता उधारकर्ता चुक्ता गर्न अन्य ऋण, आदि छ कि, उधारकर्ताको तलब, आदी)
7. Tenure: time duration. Loan tenure means: The time period for which the loan is approved. For example: 60 months. (कार्यकाल)
8. Disbursement: to pay out money. (संवितरण)
9. Interest rate:(ब्याज दर)
Interest means: A fee paid for the using someone else's money.
An interest rate is charged on the amount that has been borrowed. It is paid by the borrower to the lender.
Doubts on this article
