கல்விக் கடன் தள்ளுபடி வேண்டுமா ?? இதை பாருங்க | Education Loan Settlement - Tamil 👍
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- Опубликовано: 18 окт 2024
- #TamilInfopedia #EducationLoanSettlement #OneTimeSettlement
கல்விக் கடன் தள்ளுபடி வேண்டுமா - Education Loan Settlement - Tamil - A thorough explanation of any loan settlement process. Particular view on education loan settlement. We have discussed on how to get a debt waiver for education loan accounts. And also spoken about merits and demerits of it. Please watch the whole video for ways to avoiding the NPA status in your loan account.
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சொல்லாம விட்டிருந்தா கூட கட்டியிருப்பாங்க....சொல்லிட்டு இழுத்தடிச்சு இப்ப வட்டிதா எகிரிட்டு
Sir, i have bought Rs. 2.74 lakh from Indian Bank from 2012 to 2014. I have paid 3.2 lakhs already till 2018. After that i gone jobless. Again now they are asking me to pay 2.45 lakhs.
?மிக்க நன்றி தம்பி என் பையன் படிப்புக்காக லோன் வாங்கி இரண்டு லட்சம் கடன் மேல தான் இருக்கு பத்து வருஷமா நாங்களும் கேட்டல பயங்கரமா இதுவரைக்கும் எங்களை வந்து கேட்கல ஆனா இப்ப பேங்க் மேனேஜர் எங்கள ரொம்ப டார்ச்சர் பண்றாங்க ஒரு 10,000 பர்ஸ்ட் இப்ப கட்டிட்டேன் திரும்ப ₹20,000 கட்டுங்கன்னு சொல்லி என்னை டார்ச்சர் பண்றாங்க என் குடும்ப சூழ்நிலை இவ்வளவுதான் என்ன சொல்லி நானே மாச மாசம் நாலாயிரம் ரூபாய் கடன் சொல்லி சொல்றேன் ஆனா அவங்க அதை ஏத்துக்க மாட்டாங்க அதே பேங்க்ல என் வீட்டுக்கு ஒரு எட்டு லட்ச ரூபாய் கடன் வாங்கி இருக்கேன் அவுங்க ஆனா வீட ஜப்தி பண்ணிடுவேன் அப்படி இப்படின்னு என்னை மிரட்டுறாங்க ஆனா வீட்டு கடன் கரெக்ட்டா நான் கட்டிக்கிட்டு இருக்கேன் மிகவும் மன உளைச்சலா இருக்கு இதை யாரிடம் எங்கே எப்படி கேட்டேன் எனக்கு தெரியல கொஞ்சம் விவரமா சொல்லுங்களேன் தம்பி
வட்டியில்லாமல் கடனைக்கட்ட ஆயத்தமாக இருக்கிறேன்.வங்கியில் எப்படி கேட்கலாம்
Seeing After 10 videoes best video sir.... Rombha useful ah irukku sir....
Na niraya video pathen enakku ninga sonnathu mattumtha theliva purinjathu romba nandri anna😘😘😘😘
தெள்ளத் தெளிவான விளக்கம்
மிக்க நன்றி 🙏👍
Nandri..
Sir naan 2013 education loan vanguen August 14 2024 cibil check pannumpothu en education loan closed nu 31 Dec 2023 nu varuthu
Naan bank contact pannen statement of account vanguen closing balance 0 nu irruku account closed nu varuthu
Bank la avaguga account law find rise panni en loan close aanatha solluraga naan eppo check pannalum closed nu varuthu konjam detail solluga sir
Thanks for the information.
Thanks a lot. From the bottom of the heart.. ❤️
Hai Sir..Nan IOB la 2014 to 2017 la loan vangunen...164000 but now ellam serthu 311000 iruku...
But ipo 2days before [writte off ] nu soli account ah 0 panni msg vanthuchu...
But pvt ah koduthrupangila Write off panrathuku munnadi enaku entha Post or mail varala..... write off panna aprm full amnt settle pannanuma or OTS pannalama without intrest ...thanks in advance..
sir negga solrathu sari ta sir....
enaku veala keadaikavea ila enaku veala keadikavea 3 years aaaiduchu...
athukulla interset mela interset pottu... 2 L vanguna edathula 5 lakh ah vanthu nikkethu sir....
ipo ena panna mudiyum ...
Enga naala pay panna vasathi ilanu thana sir loan vangurom...
family background ilanu thana sir education ku loan vangurom.. apo family loan neariya iruku sir...
Vangura 25k la v2 loan ah adikava ila education loan ah adaikava ila akkava marraige panni kudutha kadana adaikava.. ila en life ena aaga poguthunu nenaika va...
Atleast interst ah koracha kuda paravala sir...
OTS panna prblm varum na ..
frank ah sollanum na educational loan vangi pending iruntha eventhough oru malair kulu la 4k kuda thara matranga...
ena tha sir pandrathu
Mee too same condition
Thanks for the detailed information....
My pleasure
My education loan is pending. Now Reliance ARC people are asking for a one time settlement. Shall we go to settlement or not
Hello sir, thanks for useful information.Unfortunately already I have settlement problems.I got educational loan and done one time settlement before 7 years. But that time I am not aware for Loan closure certificate. So I didn’t ask that time with bank. But now a days new bank manger told that loan account not yet closing still its pending. But I don’t have any copy of receipt. Only that settled date that amount created in my loan account .Currently bank manger told without settlement receipt we couldn’t close it because old manger just add amount like collection only not like one time settlement . What I can do?
Sir nan 15yrs back rs.50,000 loan eduthen with land proof, but ipo relaince karanga pay panna solranga, ok nan pay panren ennoda land document kudunga nu keta land document illanu solranga, bankla kettlum therila solranga
2013-2017 batch , i took 70k from Indian overseas Bank, i didnt paid any due due to i didn't got job, last year i came to gulf to work , Now i got OTS offfer from Edelweiss ARC for 89k , ( negotiated), so can i pay that to close,
Bro unga contact num..enodathum ARC mariduchu....ungata knjm details ketkanum
Sir my education loan 4 lakhs was taken in 2008 and i have completed my degree in 2013 im job lead till today, now my loan was given to reliance arc, is their any problem to my gurantor, he is now reteire gov emlpoyee and getting pension. Please tell me or advise me a solution for this...
There is a problem for him. Email me pls tamilinfopedia@gmail.com
Sir i have sent mail to you plz check it and reply me sir...
Hi sir .Nan 2009 _2013la 78000 loan eduthan. 2015 la SBI loan reliance arc ku kaimariduchnu 17.7.2022 la phone panni amount 55000 katta soldranga. Nan ippo kattalama?vendama?.Nan ippo velaiku pogala
U have to pay sometime. If u can, pay now.
Sir na Indian bank la 1.3 lacs loan vangi iukken 2008 to 2012.ippa vara enakku vela illa sir .account npa ku mariduchu..ennala interest katta mudiyila..three times i paid 10000,10000,10000.now they ask 3.5 lacs ...they said 13 years completed and sold my account to reliance.. what ll i do now.?pls sollunga sir ...
If they ur account is already sold, then u have to talk to reliance only. Whatever they ask, you have to pay. Else they will come and stand in ur house.
Ur comments are getting deleted. Pls send email to tamilinfopedia@gmail.com
Sir enta bank la sir education loan vangalam
One time settlement panum pothu
Vatti amt kuraiuma sir
Asal amt mattum pay panina pothuma
Sir, my loan was written off..willful default add panitanga...adha remove pananumna..ipo ots panamudiyuma?
No sir. They might have closed the account
@@TamilInfopedia so there is no way remove that wifull default write off? How long will it be in my cibil?
It's kind of permanent damage. You can contact bank sir. There may be a chance. They won't reopen a closed loan. But still you can try to settle something and get an NOC
@@TamilInfopedia is it a criminal case , if I'm a wilful deafulter of educational loan?
No. Not criminal. Civil only.
You legal advisor
No. Financial Advisor.
Sir na 2016-2020 batch na education loan. Vangirunthen 225000 but epo interes oda 392000 vanthuruku July la irunthu enaku emi start aguthu October la than na job la join panna poren so bank la time Keta kudupangala sir
For individual queries pls visit tamilinfopedia.in
Hi sir , na 2016-2020 passout IOB la education loan vangirukom . April 2022 emi start panni till date every month crt ah pay panitu irukom . Inbetween la over due agiruchu nu solli 5k pay panna sonnaga athayum panitom . Today emi pay panna pona unga account NPA la iruku nu solranga . Last month kooda pay pannom ipo NPA nu slranga . OTS la amunt pay panna solranga . NPA gu epo pogum sir na april22 la start panni ipo vara panitu iruken ipo sudden ah NPA la iruku nu solranga and nenga 39k pay pananum interest ana 35k dhn panirukenga ipo knjm pay pannalum account recover agala na headoffice poi dhn pesanum nu solranga . OTS la amount pay panrathu best ah illa account ah npa la irunthu recover panni emi la continue panni pay panrathu best ah sir . Please reply sir . OTS la panna enna certificate bank la irunthu vangi vachukanum.kindly reply sir.
Sir, 9yrs back naa sbi la 2.75 L loan வாங்கினேன் sir, ippo 7 L irukunu சொல்றாங்க.....என்னால loan கட்ட முடியல reliance ARC call panni கட்ட சொல்றாங்க...one time settlement max 2L dhan possible...Enna பண்றது sir.? Naan ippo loan close பண்ணி ஆக வேண்டும் என்கிற சூழ்நிலை? Pls என்ன பண்ணறது சொல்லுங்க sir🙏
If loan has gone to reliance then u have to close one day. Try to negotiate as less as possible
Tnku sir....good briefing & sir na indian army la work pantrean...enaku selltelement panna mudiuma sir..plz solution sollinga sir...
Very tough
Nice sir..explained all doubts
Thanks and welcome
நான் 2011 education loan 20000 thousand வாங்கியிருந்தேன் ஒரே ஒரு time 1500 கட்டியிருக்கேன் அப்பரம் ஏதும் கட்டல இப்ப acknowledgements of debt -cum- security nu letter வந்துருக்கு என்ன பன்றது ..
( இப்ப tot amt 50000 வந்துரிச்சி )
That document has to be signed every two or three years. That is nothing but just continuation of debt. Nothing wrong in signing. If u don't sign that, they may file suit against u
@@TamilInfopedia adharcard,passport , pancard copy ellam கேக்குறாங்க என்னபன்றது anna.
May be KYC update. Give any one of them.
@@TamilInfopedia last question pls before one month ku முன்னால் Rs 25000 One time settlement கேட்டாங்க , இப்ப available இருந்தா கட்டவா இல்ல totally 50000 ம் கொஞ்ச கொஞ்சமா கட்டவா , tomorrow bankku போலாம்னு இருக்கேன் anna..
It you settle for lesser amount, your CIBIL is finished. I suggest, you pay EMIs if you can. Your account should be NPA. So ask how much to be paid to regularise the account and then start with EMIs.
Sir reliance ku pona kandipa vatti oda tha katanuma ots pana musiyada sir 3d thousands ku 2 lakhs ku mela vatti kata soluraka
Plz reply sir
68000 ku 4 lak katta solranga yepdi katturathu theriyala am unemployed
Reliance ARC laya apd solranga....unga acct written off pannirukangila??..
Sir en loan arc ku poitu enna settle panna solldranga na enna pannalam ila vera edhum pannalama enaku cibil affect aagama iruka idea sollunga
Sir enaku OTS Pannikalam nu bank side solranga
OTS panita future la epome loan vanga mudiyatha
Payment period mudinchiduchi inimel EMI panni thara mudiyathu
Kattina full payment katunga illa na OTS panikonganu solranga
Na 2014 la loan vankina 40000 pola naduvula katirukan
Enna panalam
Pay full amount. Take some more time and pay fully.
@@TamilInfopedia thanks
Nan 2011-2014 Canara bank la 20000 loan vangi erunthen. I'm home maker. Job ku pora idea Ila. Enoda adhar detail ethum bank la Ila. Mark sheet address and phone number Dan eruku. Bank la erunthen adikadi loan kata Soli kupiduvanga. Eppo 37500 interest oda eruku. Nan bank u adhar oda polama vendama nu eruken..
You can pay and close it if you can
@@TamilInfopedia hus kooli velai Dan. Veeta samalikurathu romba kashtam poguthu.. ethula entha loan um kata mudiyathu. Katala na enna prblm varuma?
Try for OTS. They may file suit against u. Or they may sell to private Arc
@@TamilInfopedia ok
@@TamilInfopedia OTS ah katanum na bank loan 20000 matum pay panna othupangala? Without interest??
Nandri theivamae 🙏🙏🙏
Sir enoda education loan Amnt 196000
Ipo 401930 Ivlo Amnt nu soli lok adalat la irundu notice send panirukanga Aug 10 Varanu nu soli...ithu epdi sir handle panrathu Anga pona Ena solvanga..kandipa poganuma sir ila bank la Poi Kekanuma.. And enaku ipa pay pana mudiyatha situation..pls give me soln this problm sir
You have to pay at some point. If not full at least a settlement. Go and ask for reduced amount and settle the account. Lok adalat is a good forum
@@TamilInfopedia OK sir thank you
Ipo Aug 10 Vara solirukanga so tat day itself some amount pay panra mathiri varuma sir.. But na govt exam try panre so private job ethum pola sir so payment Ipo pana mudiyathu sitn.. So after tat only I can pay.. So itha nA Anga solalama sir ..if suppose tat day pay pana mudilana ena sir aagum..
@@malak5967 evalo pay pannuneenga?
ots for education loan pandrathuku munnadi settlement agreement podanuma sir.... like bank ooda letter head la ots panna noc thruvom nu type panni kudupangala sir? note : im unemployed and no security given to bank
They won't give any such thing. But once you close they will give NOC.
@@TamilInfopedia thanks sir
Sir ennoda education loan reliance arc ku 40 % sell pannitaanga sir iob
Nan one 90000 vankunen ippo
2 lakh iruku arc
principal outstanding 180000 katta soldraanga
Nan principal mattum katta chance iruka sir
Pay pannuneengala bro
Pay pannitingila
@@artistmuthu5959 yes bro
Please reply...Namma loan ah Arc Ku transfer pannathuku அப்புறமா..suppose namma account la பணம் pottamma atha arc direct ah eduthukka mudiuma?
Yes. Arrangement itself is Bank should pay any further credit to ARC.
Replied.
Sir na 2014 la engg loan vabgunen 2017 na final yr padiku pothu appa death akitaru ,,apm enala pay panna mudila joint account la than loan vanguna still no job naaga rendu ponuga than and amma bank la kuptu loan kekaranga notice varu merataranga
Sir na 2017 passed out...4yrs ku 1.70 lakh kuduthanga..na amount pay panla...2500 mnthly pay pana soldranga..thn rehabilitation process ku 7500 pay panunganu soldranga...thy ask to pay loan amount...ipo total intrest elam sethu 2.80lakh iruku sir..NPA ku poidumnu soldranga..need to clarify sir
Hope they have told u everything. What else u want madam?
Pay pannuneengala?
Paid ah?..pls response pls mam
Sir nan education loan vangi irukan. 4 years unemployee irukan. Loan ketta solli call pandranga. Sappatuku romba kashtama iruku. Nan ippom suicide pannikitta loan cancel aguma
Suit_filed_wilful_default_written_off_settled
👆 Epdi cybil scorela kattunna Ena meaning Bro👆
All bad remarks. Future loan doubtful.
My education loan age is 14years 8month.
Is any possibility there to extend my EMI?
Thank you very much sir
Thanks sir...
Welcome
Hi Anna, nan 2009 -13 la education loan 2.45l vankinen 25000 interest pay panninen anna and 2 yrs job ila then i got a job for 5 k. In 2015 or 16 sbi enoda account ah Reliance ARC ku move pannitanga. Ipo avanga OTS ku panna solluranga anna 1.8l panna solluranga or 7L interest oda panna solluranga. What i have to do? Reliance ku ponathalaye eni nan loan or government job ku problem Varuma anna? Ipo na yenna pannatum?
Govt job problem is there. U have to settle with Arc
@@TamilInfopedia Reliance ARC la full ah pay panninalum government job ku problem aaguma anna?
Govt jobs focus on CIBIL. It will be spoilt now
@@TamilInfopedia Reliance ku ponathuku appuram, Bank la OTS pannrathuku approach panna mudiyatha?.. reliance kaaran 5 times pay panna solraan..
Hi bro naa 2015 batch out vidya jyoti schemela loan vangunen naa 4 yrsku totala vanguna loan amount 74 k only ipo overalla 2.5 lakh loan amnt bal iruku intrest rate 11℅ potrukanga naa repay pana ready but naa loan vangurapo after course period + 1 yr ku aparamthan intrest calculate panuvom sonanga but loan page historyla 1st yrla irunthe intrest potu varanga ithu correct methoda enaku doubta iruku pls clarify kodunga..
Government தள்ளுபடி செய்தாலும் spil score குறையுமா
Yes
Sir bank la na education loan 1.54 yedu then 2011 la 3 years la naa 1.24 lac kattiyachu but eppo athu emi nu solranga asal payment pay pannungannu solranga 1lac bankku pay panna solranga 40 thousand lawyer payment pay pannanumunnu solranga athukku yenna vali yenna la eppo suthama pay panna mudiyala
Pay panniteengala? Evalo pannuneenga
Education loans already reliance arc ku sell pannitanuga avanuga 100% interest podranuga
Yepdi reliance contact panrathu yaravathu details solunga pl
@@prasannaeswari6358bro neenga entha bank la loan??
Sir, I took a loan at 2011-15 for 3.56L & outstanding went to 5.3L at 2017. Bank asked to repay & am paying from 2017. Even after repaying emi balance is now 3.5L. I have few questions,
1. currently my loan account is standard & paying on date from 2017? Will my acc get transferred to ARC?
2. I have provided security asset against the loan. So far i have paid 3.6L which is equal to principal amt & bal is 3.5L
Am i eligible for one time settlement?
Kindly advise..
1. If u r repaying EMI properly and if your loan is standard, 99% it won't be transferred to Arc. Arc is last option for banks.
2. If you have mortgaged any asset then you may not get any waiver. Particularly when the account is standard. Waiver kills your credit history.
@@TamilInfopedia thank you for the guidance. I hope above answers are applicable for education loan? Crct.
Of course yes.
Bank officer getting demanding breif for OTS
INDIAN BANK
MR PONAYARAM
Thanks bro
Welcome bro. Pls share and subscribe our channel. 🙏🏻
Pvt Job kidaikatha nalathan , govt job aachu try panni , Loan katalam nu irunthen, ipo athukum vazhi irukathu polave. ,
Sir...naa ms foreign la panalanu iruken...IPO SBI la international education loan edukalamnu iruken...By the chance government education loan discount Pana...engaloda international loan la discount pannuvangalaaa
I don't think so. Any loan which has a security won't be waived.
Sir i am 2021 batch passout.I got education loan frm canarabank fr 3.5lakh and interst rate is 90,000 so can I go fr RLLR fr reducing my interest rate?
Yes
@@TamilInfopedia sir they are saying the repo rate might vary and asking me to write a letter to accept variation.is there any way to make the reporate fixed fr my loan?
I don't think so. Fixed rate concept and all gone now. All are varied rate only.
I have one doubt Sir...naa education loan 4 lakh vaangirunthen.. Ippo interest oh da 6 lakh irukku.....intha EMI period laium en interest athigam aagittu thaan irukku....naa ippo EMI katta start pannita....en loan oh interest ah stop panna ethuvum chance irukkaa
Ennoda yearly interest near 50000 ...aaguthu sir.....naa year kulla kattalam nu plan pannalum.....1 lakh extra pay panna vendi irukku
Sir actually speaking waiver in interest cannot be claimed as a right. It is a discretion of the bank. Please contact your bank/branch for it. As a consolation, you can claim IT relief under sec 80 E for the interest paid to education loan accounts.
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Anna enoda douts clear pannunga...
Na 1.30 lack loan vanguna
2014 la degree mudichan...
Ipo notice veetukku vandhirukku 2 lacks and 30 totala nxt month katta soldranga...
Job vera ipo ila sir....
Na ena pandrathu nu idea kudunga sir....plz
Advocate kita irunthu notice vandhirukku sir today....
Fulla amount katlana...ungal methu satta nadavadikkai edukkapadum nu potirukku sir...
Ena pandrathu nu puriyala sir...
Sir if u r able to repay pls repay. Else they will file suit. U can ask for revising EMI.
@@TamilInfopedia sir ena soldringa nu puriyala...sir
They will file a civil case sir. U can ask for reducing the EMI if u can't pay much. There is a provision to extend the loan term, and reduce the EMI.
@@shivarailways..7027 bro enakum notice vanthuruku 4 yrs ku 2 laks vankunae na 2016 la engineering muduche. Inaki bank la poi keda 3 laks 20 thousand kattu nu solranga interest mattum 1 lac 20000 thousand podurukanuga
Sir na iob la loan eduthurundhen ipo arc kku mathittanga en 1.8 lak kku 80 000 katta solranga enna sir pantrathu
Settle it if possible. That is permanent solution
But ennala antha amount katta mudiyatha situation I am housewife I have two child enna pantrathu sir no one supporting me avanga kitta sonna purinchikka matranga 2018 b.e mudichen na enna pantrathu sir reliancela irundhu pesuranga
Two month time ketta full amount settle panna solranga
Evlo amount eduthinga
Evlo katta solranga
Bro, for my education loan, enoda surfacer ah account ah block pannitu ena pay panna soltraga nan full amount pay panna than avunga account ah unblock pannuvanu soltranga... Nan time kettan 6month kulla pay pantranu but manager time kodukala unblock'um pannala ippa andha person enga kitta problem pannitu irukuranga
Surfacer ah. Do u mean guarantor? Just check with branch whether the account is NPA and if yes ask how much is required to regularise the account. If u can pay that, they can't legally hold ur guarantor account. If you need more help, u email me.
There is no way to pay a monthly due payments , said by a manager but we ready to paid a monthly due basis there are only option tht is settlement , so we asking our circle they people says Don't do tht. Wt was the next step ......??? (Urs suggestions)
Couldn't understand madam. Please say in Tamil itself if possible.
Sir na monthly due pay pana ready ah iruken but bank la apdi Panna mudiyadhu neega settlement dha Panna mudium nu solitaga Naga enga circle la kettapo settlement vendanu sonaga so adha Vera option irukanu kekara
U can definitely pay every month. There are some conditions though. Check your loan term. If term is over u can't pay EMIs. If account is NPA u can't pay EMIs. First you should regularise the account by paying a bulk amount and then start EMIs.
Ask for loan statement.
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Good info
Glad you think so!
Correct sir na kasttapaduran sir
I got education loan for the year 2014 to 2018...yentha year la iruntha interest rate calculate aagum sir
Interest will get calculated from 2014 onwards. If you are eligible for CSIS subsidy u will get interest during your course period back. Provided your account is not NPA.
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Sure sir...
Sir I have one doubt .vidhyalakshmi portal whole country kum irukkura mathiri namma state ku mattum ethaana govt loan scheme irukka sir
Loan scheme for what madam? Education loan?
@@TamilInfopedia for education sir
Sorry I don't think so..
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@@TamilInfopedia sure sir
I Need one clarification sir, na public bank la education loan vangi irukan 2.45 Lac, 2015 passed out batch. Inum payment repay panna start pannala. few days b4 bank la irundhu vandhaga veetuku, avaga yanna solluragana OTS la paypannuga, adhuku bank side la irundhu benefits tharom nu solluraga. avaga sollura amount 1.5 Lac.apadi ilana ARC ku move panna porom nu solluraga.
so epa na yanna pannalam sir, na OTS la paypanalama, ila some amount pay pannata, ila tenure increase panni katta start pannalama. ?
give me your solution.
First best advice is to pay EMIs and close the account regularly. That will save you pain and CIBIL score. Only if not possible to pay at all, i.e., no regular income like that, then go for settlement. But to start paying EMI you need to pay one time bulk amount to regularise the account. Talk to bank official and ask about how much bulk and EMI to be paid.
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Pay pannuneengala bro?
Ena bank la bro loan esuthinga
Hlo sir, naa (2012 -2016 ) IOB bank la 3,30,000 education loan vaanguna.ipa 6L irukunu solranga ..ipa ennoda loan vaara kadan la iruku ..naa idhu vara due edhum kattala..ipa ots ketta, enaku kuduka chance iruka..i have no job till now..indha account ah epdiyadhu close pannanumnu ninaikra..so plz guide me sir..
You can ask. They will quote an amount. If u r ok, then close.
Tank u for ur rply sir..
Hi sir, naa bank la poi ots ketten..bt avanga 2010 vara dha ipa panrom..2011 , 2012 ku innum pannala nu solranga..naa( 2012-2016) batch..
Neenga monthly 9k kattunga nu solranga sir..bt we are unable to pay this amount. Ipa ena panradhu sir. Pls give me a idea sir ..
You ask them about ur account statement and whether it is NPA or not. Which bank?
IOB bank sir..poi kettom sir detailed ah onnum solla matikanga sir ..avanga amount ah katta dha solranga...engala la katta mudiyadhu nu sonnom..ots engaluku 2022 dec la dha varum..adhuvum sure ah solla mudiyadhu nu solranga..
Ots la amount settle Pannita adhoda andha issue over aagiruma sir...ilati konja yrs kalichu any problem varuma??
sir
Ennoda sister education loan vaangirunthanga 2.4 lakhs but appa death aaitanga , ennoda sister marriage aanathum repay panna maatranga , ipo brother eanaku eathavathu problem varuma sir
Only if you have signed the document as co applicant or guarantor.
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@@TamilInfopedia document la eantha signature um naan pannala sir (appa,sister mattum than signature pannanga)
Then no issues.
Sir.. I bought a loan 150000 in 2010 at IOB.. In between 35000 paid 2011..After I didn't pay till now.. 3 days back they sent courier. Inbthis letter I have to 365000 with including interest.. What should I do sir.. Now i am searching job.. Last year Covid19 I have no job.. Edavathu sollunga iyya?
You have to pay EMI or settle. If you pay EMI then CIBIL will be saved. If you settle CIBIL will be spoiled.
@@TamilInfopedia it's edu loan. Already moved to private reliance. Right now I could not able to pay emi too.. Shall I ask time extension sir?
Reliance means nothing can be done. You have to settle when you have money. CIBIL is already spoiled.
@@TamilInfopedia sir.. Romba thanks🙏
Subscribe panniteengala ji.
ots pandrathuku munnadi settlement agreement podanuma sir.... like bank ooda letter head la ots panna noc thruvom nu type panni kudupangala sir?
Sir ots katti closed certificate vangunapram neenga sonna andha private agency kitta poguma???
And once ots panni closed certificate vangita again adha katta soli edum issue varadha sir ??
Noc kudukala sir loan closer letter tha kudukranga adhu ok va
That is ok. No issues.
Jai krishna how much your loan amount and how much you paid in ots. Im in your situation and getting calls from reliance arc. Plz help me.
Sir na settlement pnita 1year before ipo enala oru emi card kuda apply pna mudila sir... ipo close status mathrathku ena way sir please am waiting for your reply sir.
Sorry sir. U can't change now. CIBIL will not take any manual requests.
@@TamilInfopedia if I visit bank and close the pending amount means it is possible??
U can try. But usually they will write off and close the account then and there. But still, you can try.
Hi,
Thank you for the detailed video.I had taken education loan of 3.8 lakh in 2012-2016.After competing btech i haven't got job for almost three years so I was unable to do the repayment. Due to corona lost job last year now account is NPA and bank is asking me to pay 3 lakh on settlement. But I can't afford that much what should I do? Also no moratorium or any subsidy was given to me to this date. Why governments torture youth like this! Without any job opportunities why are they robbing people with all this useless self financing colleges. I now have btech degree with no value😞
settlement is the only option. do it before they sell the account to Reliance or some ARC.
@@TamilInfopedia
What will happen if they sell account to reliance?? Kindly rly sir
@@ramyaagogulak5937 if they sell third party (collection agent )they will give more torture mentally Ex:abused in front of neighbors if you gave the colletral to get the loan then they will send the notice through court , court also help to them then they will taken your property with less value it's more complicated to close the loan to the third-party like knthuvatti
Educational loan la Part Payment panna mudiyuma...athunaala evaloa save panna mudiyum?
Education loan interest is lower than other loans. Also u can save IT for that.
Subsidy scheme apply panna vangha lukku loan cancel aaguma
No.
@@TamilInfopedia kindly send us your mobile number
Email us. tamilinfopedia@gmail.com
@@TamilInfopedia thanks for your reference
Ots settlement la keduna apuram 1 year apuram marupaduum court la eunthu letter potrukanga ena panna sir
Detailed ah solunga bro
Education loan EMI time extend panna, interest athigam aagum, appo yenna sir pandrathu,.
2 lacs loan extend panna 4 loacs ah marum appo yenna pandrathu
Ots settlement done noc also get any problem facing future cbil score pls clarify
CIBIL score would have got spoilt. That's all. Some banks are now accepting CIBIL defaults with proper justification and NOC.
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Sir na 2014-2018 mudichan....80,000 loan vanganan IPO 1L35000 kata solllirkanga ... permission keta kudupangla sir loan kata?....time keta kudupangla?loan pay Panna..
Are u employed madam? If yes, you can ask them to extend repayment tenure and reduce the EMI. If not u can ask for additional moratorium of 18 months. (RBI guidelines). But anything is Bank's discretion. So u try madam.
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@@TamilInfopedia I m not employed sir...ipo ena panradhu sir?
Ask for additional moratorium
Hi Sir, I am planning to pay my education loan as OTS. Once its done any possible way to increase my cibil score. Whether in future can i able to get any loans from other banks or other private finance...?
I think i replied.
Hi sir,
I have taken educational loan between 2012-2016 for 1,86,000rs.
I haven't paid the dues regularly.
My account shipped to NPA.
My bank ask me to pay full amount outstanding Rs.2,77,000 and close the account.
Whether can i ask for any waiver in debts and settle in ots.?
or shall i repay full amount and close the account.
which is the best for maintaining cibil score.
Its good u r concerned about CIBIL score. Best for u is to pay the loan fully and close it, if u can. U can also ask for EMI repayment, but for that u should pay a bulk amount for regularising the account first. Only if u have no source at all, go for settlement.
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Thank you sir. I have subscribed. After full repayment.
Whether i can buy a home loan in future around 4 years. Will my cibil be eligible. Its around 730 now.
Yes it will be.
Hi sir
I have paid full loan amount (P+ I) of 2,77,000rs and closed the account
They have given me account statement.
Is this enough or do i need to buy No due certificate.
kindly guide me.
Hi sir if I close education loan how long time will take to update in cibil score and with noc certificate can I take loan immediately from any bank
It should take a month Max to get updated. U can get loan but it is dependent on the Bank. Some permit with NOC. Some ask for CIBIL.
@@TamilInfopedia thanks for your reply
Intha time dmk vanthuruku thallu padi panniruma???🤔🤔🤔
Doubt ful
Loan pay pannala government job pathikum aha sir
Bank job may be problem.
Sir na b.pharm 1st year padikuren enaku 90000 fees na loan vaangalaamnu iruken vaangalama sir enaku tharuvaangala full detail sollunga sir
U can get sir. They will give. But now Education Loan giving rate is very less. You can try though.
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@@TamilInfopedia sure sir
@@TamilInfopedia ok sir
2012-2016 batch apo insurance amount nu solli 9000 loan amount Sethu eduthanga,epo enga appa death agidanga,,,,loan thallupadi pannuvangala sir,,,,
Thallupadi kashtam.
Nicely explained
Education 2009 to 2013 pass out 190000 loan vangi irunthen ipo 3L mela loan kata solli vakkil notice march month vanthuchu aprum lockdown vanthuduchu bank managera inum pakala, na ipovum unemployee than, enkitta loan kata panam illa ena pandrathu. Ethavathu solution iruntha sollunga plz
If you are worried about credit worthiness you can ask for more time. RBI has permitted additional 18 months holiday period for unemployed and under employed people. If spoil of CIBIL is ok, then you can ask for settlement
@@TamilInfopedia if I request to bank manager, any possible for start to pay loan emi without intrest
No sir.
Anna 2008 to 2011 3 years nursing course SBI Bank la education loan 1,90,000 eduthu padichen, 70,000 pay pannen 70,000 um interest la less panitomnu apo sonnanga, then education loan thallupadi aitunu sonnanga but last year covid time la reliance la irunthu call pani one time settlement 5 lakhs kattanumnu miratturanga, enna solution anna, ennala kattavey mudiatha situation, anna pls reply
If reliance is calling, then account would have been sold to them. You have to pay ma. You can negotiate for a lesser amount. But they won't leave until you pay.
Inum call panrangla sister ... Negotiation pani pathingla reliance arc kita .
Pls sollunga
Evalo pay pannuneenga again
Hi sir naan 2010 la education loan eduthaen but enai epa loan katta soldranga naan ennum un employee than so naan enna pandrathu enaku cal pani torture pandranga
Ask them for RBI moratorium if not provided already. But at some point you should start repayment sir. We cannot avoid for long time. CIBIL will get spoilt.
Am also ur category. To get loan at 2010 but still am not pay and i am a jobless. So can any one plss give idea.i got notice every year
Same reply for you too madam.
Same problem for me
Sir good evening I have received the educational loan in the academic year of 2009 .due to some reason I couldn't pay that .but I was heard one news particular stipulations period the educational loan was discounted but now I got Letter from ARC what I have to do sir
Please give me the suggestions sir
Entha bank
Hi sir,I got an educational loan from (2014 -2018) .Now i got a job,i am willing to repay it with interest.But i did not paid any amount until now,i paid twice during my college days.Whether my loan will be NPA or not sir? If yes ,how I need to recover it?
Pls contact ur bank and check the status. Ask them to reschedule the loan and refix emi. Give a request letter for all of this. U have a chance
@@TamilInfopedia Hi sir,i have a doubt.suppose if my account changed to NPA but i am contacting bank and paying all amount with interest at a time whether that's good or I need to convert into emi.
That's upto u. Paying full is better and cibil will recover fast
@@TamilInfopediasir, if I paid fully whether my NPA account will become normal and my cibil score will increase? Actually my cibil is now 550 if I paid fully how much will increase sir
It won't happen overnight. But if u close fully it will come up to at least 650. Take a credit card and spend wisely
It will cross 700 in a year.
Sir private bank la vanguna education Loan thallupadi pannuvangala
I dont think so.
Sir, Nan ots panalantu irukan, reliance arc moolama panalama ila sbi bank branch moolama panalama ithula ethu best.
Always go with the bank you borrowed from.
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@Arun Nambi
OTS panniteengala , enga Panneenga, In bank or in Reliance ??
Is there any problem in settling through Reliance ??
Anna loan apply panna ovd certificate kekanga athu yaarukitta vangurathu
OVD? Can u pls elaborate?
Hello sir, I got 2 education loans for my engineering ug & pg totally 2,20000 in year 2008 to 2015. I got good marks also 81% & 84% in my studies. I will pay partial amount Rs40000. But during my pg 2nd I was suffer severe heath issues till 2019. Then 2020 corona pentamic my health condition was very wrost state. Now slowly recovering my health in gov hospital treatment. Lot of spend in medical expenses last 8years without job. Now my loans assign realince arc they send notice pay totally Rs610000. Till date I am unemployment person also continue my health recovering treatment. What I do ? please reply me🙏
Email me pls.
@@TamilInfopedia ok sir
Enachu bro pay panitingala
I had loan , closure under ots with in 3.4 years 04-14 from the date loan took, 10- 2009, after 7 years still it's showing in cibil score.DBT but balance amt showing as zero only. Please help me
Sir CIBIL score is based on past 24 months data, but CIBIL will preserve all history data at least from 2009. So it's practically impossible to get that entry deleted from the report.
@@TamilInfopedia thanks a lot, if I'm ready to pay the write off amt will be change the report. And what base the mention DBT for 3-14 and 4-14, but I made bulk amt on the both month.
I don't think u can pay the amount now and clean ur report. But u can try with bank. Not sure about DBT without seeing report and ur bank statements.
Sir na 2014-2018 2laks vangunan ippom 2.5 laks kata solluranga enala ippom kata mutiyathu time keta kodupangalaa.
Yes. You would have been given 1 year moratorium till 2019. Addl moratorium of 1.5 years can be given. Approach bank.
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I paid education load under OTS but again remaining amount they need after 3years back
How come? Am not understanding. Haven't you get the NOC/NDC?
Thanks for information
Sir, I have one doubt
I had taken the loan 7 years back.
Around 1.5 lacs, present loan amount is 3.8 lacs increased.
Please suggest me, how to close my loan
1) EMI Option
2) Total settlement without waiver.
3) EMI payment, parallely whenever I will get bulk money, can I pay to against loan.
3rd is best if you have that kind of source and income. 1st is definitely advisable. 1st and 3rd wont harm you in any way. 2nd is advised only if u don't have any kind of stable income.
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