Mockery of banking

Do these ppl do any research before showing any nonsense thing.

First of all Anupama can't sign mortgage papers as property is on babu ji's name.

Second no bank will give loan on property where tax has not been paid. As the property will be sealed by govt and bank can't recover the loan by selling the property.

Anupama is taking the loan not giving. So there is no question of fraud. But these ppl wil definitely show some stupid fraud scenario.

Only loss a borrower suffers is high interest rte and heavy processing fees which too is mentioned clearly on bank's website.

Again one more moral lecture will be heard from anupama and whole shah parivar will do some nautanki.

It does not matter tax pay hua ki nahin. Bank has right to sell aur AUCTION property of borrower if borrower unable to pay loan

Aise to lagbhag har year tax jama hota. hat to iska matlab . Owner ko every year property tax jama karna hota hai to iska matlab yeh hua phir bank to kabhi bhi loan recover kar hi nahin paayegi by selling property of borrower

Bank has right to sell the property of owner if owner is unable to pay loan whetther tax pay or not

If borrower unable to pay loan then house NPA mein chala jaata hai aur bank ko right hota hai use house ko auction karne ka loan recover karne ke liye

Aur bahut bank under taken by govt hote hai

Originally posted by: surabhi01

It does not matter tax pay hua ki nahin. Bank has right to sell aur AUCTION property of borrower if borrower unable to pay loan

Aise to lagbhag har year tax jama hota. hat to iska matlab . Owner ko every year property tax jama karna hota hai to iska matlab yeh hua phir bank to kabhi bhi loan recover kar hi nahin paayegi by selling property of borrower

Bank has right to sell the property of owner if owner is unable to pay loan whetther tax pay or not

If borrower unable to pay loan then house NPA mein chala jaata hai aur bank ko right hota hai use house ko auction karne ka loan recover karne ke liye

Aur bahut bank under taken by govt hote hai

I work in a bank so I know a bank won't mortgage a property whose taxes has not been paid for a lon time. At the time of mortgage all papers and taxes should be paid. If there is some pendency than bank asks to pay the loan and submit tax receipts. Before mortgaging legal vetting that there r no charges on anything is pending on property. And a property which is already indebted with 20 lakh can't get a loan on it .

If after mortgaging taxes has not been paid than its not bank's mistake but customers.

Originally posted by: naaznin

I work in a bank so I know a bank won't mortgage a property whose taxes has not been paid for a lon time. At the time of mortgage all papers and taxes should be paid. If there is some pendency than bank asks to pay the loan and submit tax receipts. Before mortgaging legal vetting that there r no charges on anything is pending on property. And a property which is already indebted with 20 lakh can't get a loan on it .

If after mortgaging taxes has not been paid than its not bank's mistake but customers.

Actually I thought they will be mortgaging their house so that they can get a loan and clear their karkhana. Yeh to inko masala add karna tha show me isliye they have shown karkhane ko mortgage rakha and all.

And yes I have a question too regarding fraud.? Yeh PRECAP meri samajh nahi aaya tha which fraud Anupama is talking about because they are the one who has to take money, to fraud kaise.??

Loan wala paisa nahin aaya hai account mein yeh kaha anupama ne

Kiitni galat baat hai bank apne profit ke liye anupama jaise customer jo first time deal kar rahe hain aur confused haiska fayda utha rahi hai

Theek hai customer ko jo first time bank mein koi cheej deal karte hain woh nahin decide kar paate ki kya karna hai woh confuse hote hai

Aur plus agar bank employee assurance de raha to anupama ka na karne ka sawal nahin paida hota bank wale hi bata rahe hain to jub bank wale hi keh rahe hain to anupama kaise believe na karti

Yeh to to un bank ki galti hai anupama ki confusion ka fayda utha kur loan nahi diya aur sahi procedure nahin bataaya

Jo first time aata hai deal karne to usse mistake hone confusion hona natural. Yeh bank ki duty hai ki woh bataye ki kahan mistake hui

Why shah family blamoing anupama. Did not anupama hesistate to go slone in bank. Usne bhi to kaha tha ki koi hamaare saath chalo but koi nahin gaya

Ya to jail jaayenge aur bank band hogi ya phir agar wakai mein loan sanction hua to in bank employee ko chahe kaie bhi ho paise to dena hi padega . They cant escape

Agar loan nahi de sakte due to tax tub inhe security to waapas to karni hi hogi

Btw I have heard new character male character ki entry hogi jo anupama ko is loan ke mess ka nikalega

May be tax jama kiya bina property mortagage nahin hoti hogi

But bank employee Rule ke against chale jaate hai

My father was in bank and jis branch mein whey kaam karte they wahaan ke bank employee ne bank circular ke against kaam kiya aur woh bank employee suspend hue

Tabhi to audit, inspection hota rehta hai bank tabhi to bank mein closing chalti hai

Jo bank mein subah ke 10 baje se lekar 3am ,4 am baje tuk 18 ,20 ghante bank mein audition inspection hota hai woh isliye to hota hai ki bank employee rules ke against kaam kar sakte hai

I know hangama to hona hi but anupama ko bank ke senior se complain kare may zonal or head

Originally posted by: Saumya96

Actually I thought they will be mortgaging their house so that they can get a loan and clear their karkhana. Yeh to inko masala add karna tha show me isliye they have shown karkhane ko mortgage rakha and all.

And yes I have a question too regarding fraud.? Yeh PRECAP meri samajh nahi aaya tha which fraud Anupama is talking about because they are the one who has to take money, to fraud kaise.??

What I understood is she said, bank ne loan disburse kiya but uske account main nahi aaya, so probably thise 2 dudes filled in their bank account details instead of Anupamaa's and paise unke account main gaye honge and they will run away. And as per bank the borrower in Anupamaa. I think ye fraud hua hai.

But yes bapuji ke sign ke bina, property mortgage nahi ho sakti, kuch bhi bataya tha.

But I also know ki, when u take loan u have to mention the purpose of loan, so if they mentioned the purpose as payment of tax then once the loan is disbursed and they pay the tax then there are no chances for property getting sealed right, so they can sell the property, if there is default on loan. But u get personal loan for such purposes, commercial loan I don't think u will get it.

But yes too many loopholes in this bank loan thing.

Originally posted by: neo7

What I understood is she said, bank ne loan disburse kiya but uske account main nahi aaya, so probably thise 2 dudes filled in their bank account details instead of Anupamaa's and paise unke account main gaye honge and they will run away. And as per bank the borrower in Anupamaa. I think ye fraud hua hai.

But yes bapuji ke sign ke bina, property mortgage nahi ho sakti, kuch bhi bataya tha.

But I also know ki, when u take loan u have to mention the purpose of loan, so if they mentioned the purpose as payment of tax then once the loan is disbursed and they pay the tax then there are no chances for property getting sealed right, so they can sell the property, if there is default on loan. But u get personal loan for such purposes, commercial loan I don't think u will get it.

But yes too many loopholes in this bank loan thing.

Agar aisa dikhane wale hai then this is the biggest loophole.!!!! Account details kisi aur ke, loan Anupama ke naam ka..?? This is not possible yaar, yeh makers hosh me to hai.?

I also think ki aisa hi kuch dikhayenge, because in today's part, the TV news gave us the confirmation. So let's see how they are going to put this 😶

Suppose customer 6 lakh loan for buying house and that customer is neither paying loan nor he is paying tax for long time. Then how will bank recover loan from customer until tax is paid

To kya bank customer ke tax bharre ka wait karegi ki jub customer tax bhar lega tabhi uskaa house Non performing asset mein (NPA) jaayega

I want to ask bank sanction loan after interview of customer and plus guarenter is also there and base of true income it give loan

Like bank say ki woh house ki kiraye ko income nahi maante hain to bank loan nahi deti hai agar koi kahe ki merri income ghar ke kiraaye se hoti hai

But agar customer ki income fix and uske paas itni income hai ki woh loan bhi pay kar sake aur ghar ka kharcha bhi utha sajke to aise mein jub bank aise logon ko loan dete hai jo loan ko repay kar sake aur property khareed ne ke baad agar us customer ne ek responsible citizen ki tarah tax nahin diya aur lloan bhi pay nahin kiya tub kaise bank apna loan recover karegi

Tub kya bank customer ke tax bharne ka wait karti rahegi? .

Btw under section 24 and section 80 it is said ki loan against property mein tax benifit nahin mil sakta

Loan against property mein bus business starting pur pose ke liye use kiya jaa sakta hai

Originally posted by: neo7

What I understood is she said, bank ne loan disburse kiya but uske account main nahi aaya, so probably thise 2 dudes filled in their bank account details instead of Anupamaa's and paise unke account main gaye honge and they will run away. And as per bank the borrower in Anupamaa. I think ye fraud hua hai.

But yes bapuji ke sign ke bina, property mortgage nahi ho sakti, kuch bhi bataya tha.

But I also know ki, when u take loan u have to mention the purpose of loan, so if they mentioned the purpose as payment of tax then once the loan is disbursed and they pay the tax then there are no chances for property getting sealed right, so they can sell the property, if there is default on loan. But u get personal loan for such purposes, commercial loan I don't think u will get it.

But yes too many loopholes in this bank loan thing.

Completely agree niyati! Without Bapuji’s sign, property mortgage nahi ho sakti and it’s definitely fraud case . Money transaction is done to fraudster’s account.

The thing is aise kam karne ke time hamesha ek se bhale do aisa mindset hona chahiye. Main to hamesha mere husband ko sath mai rakh kar he aise kam karna prefer karti hu . In place of signing papers in rush , better to ask them to wait or come on some other time . Itna toh sab bankwale customers ke liye karte hai.

Muje ek se bhale do bank ke kam ke liye isiliye sahi lagta hai may be because I am not from commerce background and these are not routine procedures for me so bahot precautious ho jati hu.