Desires are infinite but resources are limited in this materialistic world. So, person need to spend wisely to get maximum satisfaction in life. But all people are not able to spend wisely. So, some of them get into debt due to unwise investments. Nowadays, this problem is mostly seen with well earned society also who takes huge loans due to any reason without judging their ability/potential to repay. Debts/Loans itself not a problem but not making wise expenditure is a problem.
Debts/Loans condition occurs due to some bad houses and the bad placements of planets in horoscope. Debt, loans and such type of matters are seen from the 6th house of horoscope. 6th house indicates enemies, debts, obstacles, mental worries, litigations etc. In Astrology, 6th, 8th , 12th houses are known as Trik houses and these houses are responsible for miseries in human life. 6th house is one of the malefic houses and placement of any planet in this house is considered bad except Trik houses lords as they form Vipreet Rajyoga if placed in Trik houses. 6th lord placement in any other house except Trik houses is also considered bad even its aspect and conjunction is also create problems in life of the native. If lord of 6th house is in Trik house and is weak then this is also like a good Yoga for native because strong 6th house/lord may lead to loans and debts. Jupiter is the planet for wealth/finance, Mercury is natural lord of 6th house in kaalpurush chart, Moon also related with mind. So any malefic influence over Jupiter, Mercury and Moon or if these three planets are weak then also people get into debt due to any special events like wedding or buying property etc.
Planets Mars and Rahu, both are responsible for debt. Mars is the natural karak planet of 6th house alone enough to put the native in debt. If it is connected with Rahu then situation might be serious as both might put native under huge financial debt and can make the native bankrupt. If both have also connection with Saturn then native might not be able to come out of debt or remain in debt for long time. Ketu connection with 2nd and 6th houses may also put native into debt.
In birth chart, 2nd house indicates inflow of finances, bank position, self earned wealth and family wealth,worldly possessions, jewellery, inheritance, lawsuits and 11th house indicates accumulated wealth, fluctuating money, gains etc. If there is relation between 6th lord or house with 11th and 2nd houses or lords then native might not be able to accumulate wealth due to loans. There is also great importance of 12th house, as this is the house of expenses and if lord of 12th house or 12th house is stronger then native will have huge expenses and there will be no saving. So, if 12th lord/house is not stronger than 2nd and 11th houses and their lord then this is good for native. More malefic influence over 12th house may lead to increase in expenses which will make native unable to bear and may result in increasing debt. Afflicted 2nd house/lord or Venus also responsible for debt as native not able to make wealth gains.
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