SARFAESI ACT HI ENGE NI?

    Tunlaiin Mizoram Chanchinbu lian tham deuh deuhah chuan State Bank of India Thuchhuah, chumi khami chuan a Housing Loan lak a rulh that loh avangin ni chumi khami chhung a a loan lak leh a pung nen chumi chhunga a pektlak zawh loh chuan a in leh lo lilam emaw laksak emaw a ni ang tih kan chhiar thin ang. Loan lak huai, rulh lam kawnga dawihzep riau Mizo mipuite hian he Dan hi kan hrechiang lova, enge anih pawh kan man thiam chiah rihlo a ni mai thei. Mahse kan hriat ngei ngei a ngai si a, chuvang chuan hriat ang ang ka han chhawpchhuak dawn a ni.

         Bank-in pung awma pawisa a pekchhuah hian Loan latu chuan dahkham (Security) a nei ngei ngei tur a ni a. A loan lak a rulh that loh chuan a Security hi laksak theih a ni ta a ni. Chumi atana Dan tlawhchhan a neiha chu Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 kan tih hi a lo ni ta a ni. He Danah hi chuan Court/Tribunal inrawlh a ngai lova, Bank leh Loanee inkar a ni a, Dan hmanga khin theih a ni lo, amah hi ‘Laksak leh Titawp’ tura Thuneihna pek a ni a, chu taka chu kan hriatchian a ngai em em a ni.

         He dan hnuaiah hian Intiamkamna, Intuksak leh Dahkhamna chi reng reng a huap vek a, Bank tan liau liaua invenhimna, Sorkarin a siamsak a ni a, namnul ngawt a thiang lo reng reng a ni. He Dan hnuaiah hian miin a loan lak a rulh that loh chuan :

1. Court hriatpuina leh inrawlh ngai miah lovin Agricultural Land tih loh dahkham dang zawng zawng chu a chhuhsak hmiah thei.

2. He Dan hi Secured Loan kan tih reng rengah chuan hman theih a ni.

3. He dan hmang hian mi, sumdawnna neitu nihna chhuhsak a theih a, a duh chuan midang a hawh chhawn tir thei a, a duh chuan a sumdawnna a hralh sak thei bawk.

4. Court inrawlh theihna awmchhun chu a thil dahkham kha a nih tur ang a lo nih loh chauhin a ni bawk. 

5. He Dan kengkawh tur hian a duh chuan mi tupawh Bank hian a ruat thei.

Chuti taka Dan khirh hnuaiah chuan Loan puktu hian dikna chanvo a nei ve a;

1. Loan puktu hian hun tiam ral hmain a ba a rul vek thei a, a security kha a vawnghim zui thei.

2. Authorised Officer lamin diklo taka thiltih an nei anih chuan Dan anga a chunga Action lak theih a ni.

3. Chutiang anga hmalakna a awm anih chuan Loan puktu hnenah zangnadawmna pek tur a ni.

Loan petu Creditors te tan pawh Condition a awm ve leh a;

1. Secured Loan/Debt a ni tur a ni.

2. He loan hi Non-Performing Assets a ni tur a ni.

3. Outstanding Dues (Ba la pek loh) hi nuai khat a tling tur a ni a, Principal Loan amount atanga 20% aiin a tam bawk tur a ni.

      Heng hi a pawimawh zuala ka hriatte an ni a. RBI hnuaia thiltih anih avang hian State thuneihna atanga khin chi a ni lova. RBI hnuaiah hian Bank lian tak tak ten Pawisa an peipun remtih a ni a, chumi hnuaia In Register-te bakin he Dan hi an hmang thei lo thung a ni. Bank a a pung awma lak, rulh that loh anih chuan Bank hian ziakin Loan latu hnenah Hriattirna ni 60 chhunga a leiba rul tura tihna a chhuah ngei ngei tur a ni a. Chumi zawh hnu chuan Bank hian a Security kawlah hian a duh ang thalin hma a la tawh mai dawn a ni.

       Loan kan lak reng rengin kan fimkhur a tha a, Ba neih hun chhung sawi a awm lova, Default a awm tawh phawt chuan Bank lam hian he Dan hi an hmang thei a ni ngawt mai a. Mizoramah hian inhriatthiamna sang tak Bank ten an neih avang hian chutiang taka hmalakna a la awm em em lo a ni mai zawk e. Hmanni lawka kan lo hmuhte pawh kha, an leiba khan Vaibelchhia a hawlh tawh a, Bank tan chuan hmalak mai loh chu tihtur a vang ta a ni a, chuvanga khatiang taka hmala ta pawh kha an nih a rinawm.

        Loan lak hi hlauh tur a ni lova, rilru nei tak chung leh hmathlir nei chunga Loan erawh lak thin tur a ni. Mi pangngai, Eirukna emaw Sumdawnna liana inhnamhnawih lo tan chuan In leh lo dahkham a Housing loan pukte a ngai thin a. Ruahmanna fel tak hnuaiah chuan engmah hlauhawm a awm reng reng lo tih pawh kan hriat a tha. Mahse loan la ve uk si, pe tha leh duh chuang si lo an pun thur thur avang hian he Dan lo awm hi Bank lam tan chuan chanchintha tak a ni a, hmansual theih erawh a ni bawk. Chuvang chuan he Dan hi i zirchiang ila, tullova buaina tur kan pumpelh phah thei ngei ngei bawk ang.

                                                                        Source : Lalremliana Pachuau