Loan Payment After Death In Bengali | Bank Loan Rules In Bengali | Loan EMI After Death In Bengali

Описание: Loan Payment After Death In Bengali | Bank Loan Rules In Bengali | Loan EMI After Death In Bengali

I have Discussed

What really happens to a loan after the borrower dies? This video answers one of the most confusing and scary financial questions: Who will pay the EMI (Equated Monthly Installment) if the loan taker dies suddenly? Is the family liable? Will the guarantor be forced to pay? Can the bank seize the property? You’ll be shocked to hear the reality explained clearly.

If you're paying EMIs on a home loan, car loan, gold loan, or any other secured or unsecured loan, this video will explain exactly what happens next in case of death. You’ll also understand how to protect your family from financial stress using loan insurance, legal strategies, and smart planning.

👉 In this video, I’ll explain all the critical points that every loan taker, guarantor, or co-borrower should know:

🔸 What is the role of a guarantor?
If someone has signed as your guarantor, the bank will first go to that person for repayment if you pass away. Even if the guarantor never borrowed the money, they are legally bound to repay under the agreement they signed. Many people sign as guarantors without understanding the full risk—this video tells you why that's dangerous.

🔸 What if you pledged a property against the loan?
In secured loans like a home loan or gold loan, the mortgaged asset becomes the first target. The bank can legally seize and auction the property, vehicle, or gold to recover its money. Yes, even your home can be auctioned if the loan remains unpaid after your death.

🔸 What happens to co-borrowers and family members?
If a co-borrower is on the loan, they automatically become responsible for the EMIs. In some cases, even inherited property can carry loan liabilities. That means if a family member inherits your home that was under a mortgage, they also inherit the loan unless insurance exists.

🔸 What about unsecured loans like personal loans or credit cards?
In most unsecured loans, if there is no guarantor or co-borrower, the bank cannot force the family to repay. However, they may still try recovery methods or file legal cases to retrieve the dues.

🔸 Can the bank take legal action if there is no repayment?
Yes. Under the SARFAESI Act (Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act), the bank has the right to approach the court, seize assets, and recover the money legally if all other recovery methods fail.

🔸 How can you protect your family from this burden?
The answer is Loan Insurance. If you have loan insurance linked with your home loan, car loan, or personal loan, then after your death, the insurance company will settle the pending dues directly with the bank. Your family will not face harassment or legal threats, and your assets remain safe.

👉 Tips for all borrowers:

1️⃣ Never become a guarantor blindly. Understand the full implications before signing anything.

2️⃣ Always take loan insurance, especially for big loans like home or vehicle loans. It’s a small premium that offers huge peace of mind.

3️⃣ Read all loan documents carefully. Understand who is responsible and what clauses are included regarding death, default, or co-borrowers.

✅ Key Takeaways from this video:

If the borrower dies, the responsibility shifts to the guarantor or co-borrower depending on the agreement.

Secured properties can be auctioned to recover dues.

In unsecured loans, banks can’t legally pressurize the family unless there's a legal clause or signed guarantee.

Loan insurance is your safest shield against future problems.

The bank may go to court under the SARFAESI Act for recovery if nothing else works.

📢 This video is a must-watch for:

✔️ Anyone who has taken a loan or planning to take one
✔️ People who are guarantors for someone else
✔️ Families who want to understand how to avoid harassment after the borrower's death
✔️ Anyone interested in personal finance, debt management, and legal rights

🔔 Don’t forget to LIKE, SHARE, and SUBSCRIBE if you found this video helpful. It might save a family from legal trouble or emotional stress.

👇 COMMENT BELOW if you have any doubts about loan responsibility, insurance, or guarantor risks. I’ll reply with clear answers.

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Loan After Death
EMI Responsibility
Guarantor Rules
Loan Repayment Guide
Co-Borrower Liability
Home Loan Default
Bank Recovery Process
Loan Insurance Benefits