क्या आपने कभी सोचा है कि अगर एक बैंक खुद लोन ले तो वो क्या गिरवी रखता है? 🤔 या अगर किसी प्रॉपर्टी को दो अलग-अलग बैंकों के पास गिरवी रख दिया जाए, तो कौन पहले पैसा वसूलेगा?
इस वीडियो सेशन में हमने कवर किया है – Types of Charges – Part 2, जिसमें आपको समझाया गया है:
- Sub-Mortgage का असली मतलब
- SARFAESI Act के important sections
- SERSAI की पावर और उसका integration VAHAN से
- Simple vs Equitable Mortgage
- Charges on Aircrafts, Vessels & Vehicles
🎯 CCP Aspirants, Banking Professionals, and Promotion Seekers – this one’s for you!
👇 वीडियो पूरा ज़रूर देखिए और कमेंट्स में अपने doubts या feedback शेयर कीजिए।
👉 Before we dive in, watch this video for a complete breakdown:
🔹 What is a Sub-Mortgage? (00:00:28 – 00:02:51)
Imagine a borrower pledges their house to Bank A. Now Bank A needs funds and pledges the same house to Bank B. यही होता है Sub-Mortgage.
Definition: A lender pledging a mortgaged asset again to secure funds.
Key Precautions for Sub-Mortgage:
- Notify the original mortgagor
- Ensure the original mortgagee retains title deeds
- Agreement must follow first mortgage terms
- Repayments go directly to sub-mortgagee
🔹 Liabilities & Rights of a Mortgagor (00:05:02 – 00:10:07)
Implied Liabilities:
- Valid title assurance
- Protection from legal disputes
- Pay property taxes
- Honor lease conditions
- Keep up interest payments on earlier mortgages
Rights of Mortgagor:
- Right to redemption
- Right to transfer property
- Right to inspect documents
- Right to lease or improve the property
🔹 Rights of Mortgagee (00:10:35 – 00:12:28)
- Right to foreclose the property
- Right to sell the asset
- Right to sue for remaining dues
- Right to reimbursement for maintenance
- Right to claim priority on sale proceeds
🔹 Simple vs Equitable Mortgage (00:12:28 – 00:13:25)
| Feature | Simple Mortgage | Equitable Mortgage |
|---|---|---|
| Documentation | Requires registration | No registration needed |
| Title Deed | Not deposited | Deposited with lender |
| Legal Enforceability | High | Depends on possession |
| SARFAESI Filing | Mandatory | Mandatory under specific conditions |
🔹 What is SERSAI? (00:13:25 – 00:15:57)
SERSAI = Central Registry of Securitisation Asset Reconstruction and Security Interest of India
Purpose: Prevent multiple loans on the same asset using a centralized registry.
Mandatory Registrations:
- Mortgage (Simple & Equitable)
- Hypothecation
- Pledge
- Trademarks, Patents
- Under-construction properties
🔹 SARFAESI Act & Relevant Sections (00:18:57 – 00:23:03)
- Section 26B(2): Charge creation/modification/satisfaction
- Section 26C(2): Priority based on registration date
- Section 26D: Enforcement only after SERSAI registration
- Section 26A: Secured creditors get priority over Govt. dues
🔹 SERSAI & VAHAN Integration for Vehicles (00:23:03 – 00:23:36)
VAHAN integration allows auto-registration of vehicle loan charges in SERSAI. Saves time and reduces manual errors!
🔹 Other Registrations: Companies, Aircraft & Vessels (00:25:19 – 00:26:58)
- Companies: Must register charges with ROC within 30 days
- Aircrafts: Charges registered with DGCA
- Vessels: Charges registered with Mercantile Marine Dept
Purpose: Enables seizure, grounding, auction if borrower defaults.
[FREE EPDF] DIGITAL FINANCE P2P LENDING VIA FINTECH PART 2 | CCP IIBF
Conclusion
🎯 *Types of Charges* का यह Part 2 session CCP aspirants के लिए एक treasure है!
अब आपको समझ आ गया होगा कि Sub-mortgage, Mortgage Rights, SARFAESI, और SERSAI कितने critical concepts हैं – exam और real banking दोनों के लिए।
📢 वीडियो नहीं देखा? अभी देखें! और अगर देखा है – तो नीचे कमेंट करके बताएं कि आपको सबसे ज़्यादा interesting क्या लगा?
👥 इस वीडियो को अपने banker फ्रेंड्स और कलीग्स के साथ जरूर शेयर करें।
📲 चैनल को सब्सक्राइब करके बेल आइकन दबाना मत भूलिए!
📥 Download PDF Notes
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