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@secret10shorts

5 ай бұрын

When u buy house, you save rent or the money saved by occupying the property, u have not considered it in calculation

" Take a home loan, you will start loving your JOB! " Spot on😂👌

@PrakashPatil-vq2ll

3 жыл бұрын

This is y..... harassment increases @some work places

@SatyamKumar-mv8zd

3 жыл бұрын

😂😂😂😂

@rajeshc16

3 жыл бұрын

Though we have to love our job to pay house rent.😀

@nathanjames8722

3 жыл бұрын

It can act as leverage if the underlying assets hold its value and if the borrower is able to make his payments

@omprakhashmudaliar

3 жыл бұрын

😂

I dunno… I was one of those people that didn’t care about a credit score, didn’t get any education about how important your credit score is, and I racked up debt like an idiot. I worked really hard and educated myself and I’ve brought my credit score from 480 to 732 and I’m still going up with *VCORPINVEST* . I feel like the government blaming credit reporting companies instead of the lack of financial education in their own public education system is foolish.

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss *VCORPINVEST*

"Buy a House, you love your Job" Great words. 🙏

@tarunkumarchhaya5987

3 жыл бұрын

Buy a big car and you love your boss too.

@kumarshanu6429

3 жыл бұрын

😂😂😂😂😂😂😂

@BB-eo8mo

3 жыл бұрын

🤣🤣🤣

@hemantrix

3 жыл бұрын

😂😂😂

@salunkeaniketnaresh6630

3 жыл бұрын

@@tarunkumarchhaya5987 bhari

A house is an emotion,, You can not live in a same rented house for years and especially when your family grows within time 😀

@shashankrs2967

3 жыл бұрын

still u have the option of changing the rented house right when the family grows..!!!

@mat3bat

3 жыл бұрын

Well Investment principles changes every time . You are lucky if your parent owned a house . As rightly said you can't keep multiple properties with 2% rentel yield

@rohitpatil8230

2 жыл бұрын

Emotion hi toh baaju mein rakhne hai na sir. You most probably won't survive the same job for 25-30 years in today's dynamic industry as well as the same city especially if you are in service sector.

@Bollywoodclassic09

2 жыл бұрын

I bought house just because of house owner of rented flat. He was a mess to handle especially his wife who would come for most stupid things

@filbeyfrancis830

2 жыл бұрын

Madam post tax rebate, if we are getting the interest rate at 4.9%, and inflation is considered at 6%, then isn't it -1.1% interest? I am stuck here🤷‍♂️

Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *VCORPINVEST* to my friends and people I know regarding any credit situations

"When you wants to become a actor but parents forces you to go for CA."

@easyelectronics4364

3 жыл бұрын

😂😂😂😂😂

@fenyx2558

3 жыл бұрын

You shoulds becomes a students at a schools.

@rohitgodse5837

3 жыл бұрын

@@fenyx2558 😂😂 Feeling samaz bhai bande ke...grammars nahi 🤣

@BKishan48

3 жыл бұрын

@@fenyx2558 🤣🤣🤣🤣

@talking_verse

3 жыл бұрын

Paise ka chakkar babu bhaiya🤑

I don't like the lack of freedom in rented houses. You are always answerable to the landlord. Even flats are not completely yours. Individual houses are the way to go even if it's a small one.

@uthkarshrajeshwar6525

3 жыл бұрын

What kind of lack of freedom do you mean? If it's an apartment I understand there are a lot of rules but an independent house can be modified if you're a long time renter and when you leave the modifications can sometimes benefit the landlord right? Just want to know your view

@tradehut2782

3 жыл бұрын

@@uthkarshrajeshwar6525 owners allow you some modifications but like I said you always need to ask for permission. Also many owners set a lot of rules like other people are not allowed to stay and stuff. As for flats you know how annoying the flat association is. I have a friend who received an email from the flat association saying bachelors are not allowed in the flats even though it is his own flat. Imagine a rented flat..

@GeethaSindhuriBarabari

3 жыл бұрын

@@tradehut2782 😂

@tradehut2782

3 жыл бұрын

If you like retired uncles tracking who comes and leaves your home, buy a flat. If you like to be told what isn't allowed in your home, rent a house or a flat. If you like freedom and quality of life , build a small home in a good locality.

@reenabhagat6450

3 жыл бұрын

U can make the changes in ur own house. Colour furniture garden .but rent house every 11 month .n landlord thinks tentent are nothing as compare to him

Correction 1: If Rent Increases then monthly saving decreases and investment also decreases, Returns also decreases Correction 2: Govt will not give complete rent as exemption, Use HRA exemption calculator to get right numbers Correction 3: Avg Interest rate on home loan for Long term will be far higher than 7% Correction 4: Effective interest rate for 7 perc home loan comes around 5.6 perc(*Upper cap of 2 lakhs tax exemption on home loan interest). Correction 5: Link to Excel sheet missing in the description. Correction 6: Compound interval was calculated monthly for RENT and Yearly for buying a house. Correction 7: We should see the value of property vs Total value of investment after 15 years. Need not to calculate net benefit.

@SahdevSur

2 жыл бұрын

Wonderful observation

@Ravilimkin

2 жыл бұрын

Insane how nobody is noticing correction 7. That's the dealbreaker.

@venbas2

2 жыл бұрын

Absolutely right. Even the 7% rate is the lowest in decades and has already gone up to 9-10%. The rate of growth in real estate has stagnated in many Cities resulting in near even negative rate since the last 10-12 yrs. Considering these issues the cost of owning the house in current time is not a good investment strategy at all. Only the 80s kids and earlier would have seen some good returns on their Real Estate investments that were acquired at a fraction of current market prices. The rest can just rent it from them rather

@rauls8250

2 жыл бұрын

You dint discussed what's gonna happen after 15 years ....there would only be maintainance cost and no interest cost .....so buying is better in longer term

@iamrobot396

2 жыл бұрын

Spot on!

I have been watching videos on KZread, looking for a professional trader who can trade and manage my account any idea please!

@chungleung4782

2 жыл бұрын

I will recommend expert Mrs Elena trading service for you her trading strategies are top notch

@enerstitz7301

2 жыл бұрын

it's been four months now I started investing with her and it's been of no regrets.

@michaelalfred174

2 жыл бұрын

My investment with expert Mrs Elena gave me a profits of $21,000 and ever since then she has been the most reliable and sincere broker I know

@jamescharlie8277

2 жыл бұрын

Wow I'm just shocked you mentioned and recommended expert Mrs Elena trading service, I thought people don't know her... She's really awesome

@ernestfreddie2860

2 жыл бұрын

It's surprising you're familiar with her too. I made so much profit last month investing with Mrs Elena

Thank you for being there *VCORPINVEST* when I wanted you to..... I was lost in this new world that I was hassled to start with ....you not only guided me along the way but you also showed me the proper way....whatever little I have been able to achieve in life is because of you today ..... I want to thank you for being there and showing me the proper way of doing thing for me you are my best guide as you truly showed me the way to life....once again , I would like to tell you a heartfelt thanks for being there.

Buying own house and making beautiful , useful furniture and living there is a peace mind

Buying a house is just like planting a plant, you won't get much fruit from it but your children will surely get.

@manishjape3196

3 жыл бұрын

Similarly, saving the money while staying in rental house is giving money for more and more fruits to your children. You may even buy different fruits rather than sticking to only 1 type of fruit.

@craigslist1323

3 жыл бұрын

This is the nonsense that real estate sellers say. Fact is, your kids will immigrate to bigger cities for better jobs. Unless you buy in South Mumbai, this argument is nonsense

@user-uj5wl7cw2y

3 жыл бұрын

@@manishjape3196 thats difficult as saving money in other ways is more difficult , property rates will always be well ahed of any other comodities after 15 years

@williamiannucci2740

3 жыл бұрын

👍 Smart son

@rajnandha8944

3 жыл бұрын

Over long period of time say 15-20 years real estate's return will out beat any other form of investment

Rachana - I'm a new subscriber. The KZread rabbit hole brought me to you and I don't regret it. You and your team makes some amazing content, simple to understand, a good dose of humor and quite catchy. Keep up the fantastic work!

hi, rachna, very few people know how to smile from eyes. Your eyes smiles. Keep it up. There are lot of people who praises you about your explanation of topics. Keep smiling.

For those planning to buy a readymade house (which anyday feels altogether different {emotional angle} over renting), Try if you can rent a house in the same locality where you are about to buy, ideally the same society and see how it feels, experience on rent the good and bad of that locality. This way you will be fully assured of go ahead or look for another society instead of committing and adjusting to that locality, ofcourse at some added cost but we don't usually buy house every year, so this effort is totally worth and also try to set aside EMI amount to see if you are financially comfortable in committing to such long term loan.

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3 жыл бұрын

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@beginner828

5 ай бұрын

And by the time you decide.. no property available there !!

There is one major flaw in this calculation i.e The saving on EMI, the Effective rent will increase over the period of 15 years, whereas the EMI will remain the same. Hence, the saving on EMI will be much less.

@asinghal9666

3 жыл бұрын

She did consider increment in rent amount.

@achingarg48

3 жыл бұрын

@@asinghal9666 if you refer to the calculation sheet given in the description, The saving on EMI of 36082 is calculated by subtracting effective rent i.e 14000 from EMI i.e 50082. then it was bought to future value. the effective rent will increase over the period of 15 year

@vinodkothari6821

3 жыл бұрын

@@achingarg48 YES YOU ARE RIGHT RENT INCREAMENT SHOULD BE CONSIDERED

@pnjathar

3 жыл бұрын

@@achingarg48 she did subtract the total rent paid i.e 42lac.. you can check again..

@achingarg48

3 жыл бұрын

@@pnjathar No she didn't G20-B13 i.e 50082-14000. She did consider the annual gain on rent on 42 L Calculation but missed it on Saving on EMI

I think you literally just saved my life Leo, I’ve been struggling to find a way out. I’m currently an N.A waiting to get certified because of covid and stuff but I support myself and my grandma. I don’t have anyone to turn to for help, I’ve been trying to save but I can’t because of bills and renting my apartment and everything. But this, literally helped me look to a brighter future. My grandma is crippled so she cannot do work or anything. Most people have parents to turn to but I don’t talk to my mom or dad. This literally helped me so much because since i met *VCORPINVEST* the real issue i have about debt was solve in some weeks am sure before Feb of my birthday i will be home owner.

Video is awesome. But we've got one life, by practical means renting might seem sensible but we need to keep our heart happy as well. Being either all practical or emotional is dangerous, there must be a balance always.

Rachana this is like comparing marriage vs staying single. Obviously staying single will win at any given time. You save lots of money too if you stay single.

@sakethkumarvs

3 жыл бұрын

Lol

@BarrySwami10

3 жыл бұрын

Depends. If the spouse also works. That is extra income, and hence extra savings and investment..... Right? Of course all this is just opportunities. Financial discipline is very important and that is lacking

@priyankatech-carr5894

3 жыл бұрын

HAHAHHH

@manishjape3196

3 жыл бұрын

I dont think that both things are analogous to each other. Rachana is only presenting financial angle as she explained in the beginning. If one is invested in emotional angle then this video is not for him/her. He/she can still buy house so as to have that emotional satisfaction. Marriage cannot be compared for this since it is "almost" a social need for a human. The way someone is not going to stop eating for saving money on the same line one is not going to avoid marrying because of money (but ofkos exceptions.)

@tuschar

3 жыл бұрын

Kharach LOL

She ended it really well. It all depends on where you buy and what is expected appreciation in that area.

1. HRA benefit isn't plain 30% of the rent, you need to reduce 10% of basic. 2. Whie taking the difference in saving to be invested, you need to account for the rent increase every year. 3. The difference you have shown in driven by 6% return on home whereas 10% otherwise. 4. In places like Bangalore or Hyderabad, monthly maintenance is paid by tenant. 5. Even by 3% rental yield benchmark, monthly rent for a flat worth 75 lakhs shall be higher than 20K.

The best suggestion i can give based on my personal experience is ( keeping Hydreabad, Bangalore and other Tier 3 cities in view)... Rent an apartment in the city and buy open plots in different parts of the outskirts of the city from your savings and by taking (personal loan or plot loan)... These open plots cost may vary from Rs.5000 per sq yard to 25000 per sq yard.. with in 15 years these open plots can give you appreciation of 200% to 1000%. (based on the plot values that myself/my friends/relatives bought in last 15 years in different outskirt locations of Hyd and BLR i'm giving these figures)...

@vprabhu2906

2 жыл бұрын

Super bro

@khadarsyed3579

2 жыл бұрын

This is such a great idea 💡. 👌👌

@GetYourselfALife

Жыл бұрын

What is the CAGR sir? Especially if it becomes 200% after 15 years.

@tulyamahamunigotrasya

Жыл бұрын

Wonderful approach. However your timing is excellent. You bought it during the CBN effect. Now the city growth stage is at peak. The effective growth will be slow if someone buys now when compared to your timing.

@capitalist2646

Жыл бұрын

@@tulyamahamunigotrasya what is cbn effect

Had the same discussion with dad yesterday, but now that I see your calculations, He was right as always XD

We both are working couple. In 2011. We purchased a 2bhk flat in Navi Mumbai at 22 lacs and the EMI was 16500 which was equal to one of our salary. Now after 10yrs our salary is 80,000, the rent is 10,000-12000 and flat price is hiked from 70lacs to 75lacs. I think it was our good decision at good time. By taking this decision I think we have reduced a major tension of instability and struggle for permanent accommodation in our after retirement and next generations life. After retirement when peaceful environment and relax life with complete family members is most needed, our income becomes limited, Big or small health issues arises, chances of getting loan becomes low, at the stage of life when we are physical, mentally and financially insecure, unstable and unable to take risky decision, at that stage of life the feeling of owning a home becomes wise decision.

@bhargavreddy7038

3 жыл бұрын

i dont think a 2bhk flat will last by the time you guys are old and why would you live in Navi Mumbai when you are old its too costly , you can build a house in a countryside with peace before you retire

@UK-tm1ne

3 жыл бұрын

@@bhargavreddy7038 in Navi Mumbai commonly minimum life of a building is 50yrs. After that, when the building comes for redevelopment, you get more FSI and latest Amineties. Now why Navi Mumbai and not country side. We own agriculture land and house in country side but we are born and brought up in Mumbai, working in Mumbai, relatives, friends in Mumbai, adapted to local transport like train, Bus, Taxi, mono and metro. From Ulwe You can travel to any place Mumbai, Thane, Pune, Goa, by good Road connectivity and by international airport all over the world. After retirement In old age, you need a City equipped with modern and multipurpose Hospitals with good health facilities which lacks in the country side. When you have spent most of the life time with busy, rushing, fastest shedule, online services, your lifestyle, your body and your mind are adapted to this environment. you can visit for a change in country side but can't stay for more than a month.

@aditandadit

3 жыл бұрын

That's just a CAGR of 8-9% over the 10 years

@vijayomm

3 жыл бұрын

@@UK-tm1ne perfect explanation

@satishpoul

3 жыл бұрын

Same case same example same situation bought flat in same location but just 1bhk

To be honest, I don’t know how you manage to do such a good job 👏 every single time. Very well done VladimirCorp

When you have parents and children you got to have a permanent house.

I have started liking my job too after home loan😃

I’ve been with *VCORPINVEST* for more than five years and it’s one of the best decisions I’ve made in terms of investing. I use my self-directed IRA with Preferred Trust Company. I work with my Investment Representative from Ignite Funding who is very professional and knowledgeable as well as the other employees in other departments. I get answers to my questions right away. I have more than 20 loans at the moment and interests are paid in a timely manner. I’m grateful to have them.

Just because your friends have it doesn't mean you should have it 😂😂

@mayankanand101

3 жыл бұрын

because that moment Rachna mam also want to purchase that duplex which his friend bought

@deccanwhack5972

3 жыл бұрын

@Manjula Edlabadkar We live in 'hawa yeu dya times', so no joke is small if you can pretend to fall off your chair laughing. :-D

@deccanwhack5972

3 жыл бұрын

@Manjula Edlabadkar ugach naahi, taai - tyala paise miltaat tyache. Tumhala kaahi sense of humour'ach naahi ! ;-)

Ma'am, please make a separate video explaining Taxation slabs with ITR filling. It will help a lot of people understanding their tax calculations easily.

While calculating "savings in monthly EMI", Why haven't u considered the average annual rent increment of 7%. Rent will increase annually however EMI will remain tha same which will lead to less savings in coming years.

@apoorvas6062

3 жыл бұрын

She mention the rent increment, check again

@karankapoor3430

3 жыл бұрын

Rajat is right. She mentioned it in the initial segment when she was calculating the cost of the rental house over 15 years. She did not factor for the increase in rent when calculating the savings in monthly emi. The rent increase will mostly eat up a lot of the benefit.

@omshree901

2 жыл бұрын

Also consider inflation : that 7% is a fixed amount, it will lose value with time.

Please make a video on “buying 2nd house (to give on rent) VS investing in mutual funds”

@petercanisiuspais7140

3 жыл бұрын

Yes I too agree. That topic will also be interesting

@harshit2470190

3 жыл бұрын

IMO, mutual funds in India are much better given that, in the current state of real estate in India, the rental yield is too low (3-5%) in most cities, esp. in metros. Also, there are benefits of liquidity with mutual funds. However, if you are looking from the point of view of having a stable (and less risky as compared to mutual funds) income for let's say retirement and have some money to spare to buy the property, second house may be a good option.

@sagarpansare163

3 жыл бұрын

I think mutual fund is best.

@drraghavnarang8085

3 жыл бұрын

Watch Parimal Ade sir video

@Sandeesh_Srikantam

3 жыл бұрын

@@drraghavnarang8085 that is also just rent VS buy analysis, right ?

Usually, I feel people are more interested in making a video than to think about logic... You have actually covered each and every point like a true BANIYA... Really liked your video... Keep it up..

@deepakthadhani

3 жыл бұрын

how about the benefit of rent/ emi free house after 15 years..that had not been computed. assume at age 25 you are lucky to get this loan and buy the house then after age 40 until retirement you will live rent free and keep appreciating.

Superb! Well explained. Exactly same thing my father told me today evening and just to clear my thoughts, I went through your video and I found much need clarity. Thank you for explaining it so well.

I'm jealous. I need some guidance please. Lately I've been considering buying dividends stocks for retirement, I have set asides $400k but somewhere along the line, I get cold feet maybe because I'm a rookie and have no idea what I'm doing.

@kucheranraina9201

2 жыл бұрын

You've saved for yourself some good bucks. Get a professional, my sincere advise.

@alinaally6048

2 жыл бұрын

@@kucheranraina9201 That sounds good. But how do i get a reliable one considering the heavy presence of scams in our social media space today?

@mooreleigh8928

2 жыл бұрын

Great insight. thanks for sharing this video. Keep up with these analytical videos! Love themreally learnt a lot as a beginner in the capital market. looking forward seeing more of this great video.

@kucheranraina9201

2 жыл бұрын

@@alinaally6048 Is a great concern to us all, but names like Jeannette Michelle Monroe is exceptional, just look her up and find more info about her services.

@cristinabaker5292

2 жыл бұрын

inasmuch as this video and its kind are helpful, you cannot over emphasize on the power nd expertise of a licensed broker. a trail with Jeannette Michelle Monroe convinced me. she has been managing my portfolio for months and i can beat my chest on amount of profit i have made.

Because of you my english improved.

She is the same classmate who briefly let us understood in five minutes what the teacher tried in last session, n we always love her.

@annapoorani7117

3 жыл бұрын

😂😂true

But generally the amount saved in rengting, will not be reinvested and that too at 10%. Therefore buying atleast 1 house is not a bad choice.

@prasannathebest

3 жыл бұрын

totally agree

@EntertainmentTV-xg7xr

3 жыл бұрын

True

@ganeshudathala5286

3 жыл бұрын

Yes the.fact is that people will regularly pay bills that needs to be paid but the amount which is saved by renting house (35000),they will not reinvest it and spend it until all money over😀...moreover all these are assumptions in some areas like hyderabad and delhi the properity increase rate is more than 30% a year...so, think yourself...😇

@varun.poonia

2 жыл бұрын

@@ganeshudathala5286 property application is 35% in last 10 years in Gurgaon. You can check prices of new Gurgaon. And DLF flates buyers in negative after 7 years

@varun.poonia

2 жыл бұрын

@@ganeshudathala5286 bhai olf flats ki value decrease hoti h after 12-15 years based on builder and construction quality. Dilli wale to nale ke upar wala ghar bhi lelete h dilli me

Nicely explained. But beyond the financial angle, one needs to also consider the emotional one: hassle of shifting (and cost), discrimination between tenants and owners in most societies, pride of ownership. In the end, I would say, one should own at least one permanent residence. Even if, as an investment it may not beat the market of even FD rates, and it is illiquid,

@emanuelgracias8402

2 жыл бұрын

The biggest mistake is to thinking with ur heart and not your mind , poor people buy homes , rich people Live in them

The boy be like " why am I a part of it" 😂 Great video

Madam , you forgotten to mention about Property Tax on own house if owned.

@arpitamondal5214

3 жыл бұрын

Also, several landlords charge advances (sometimes ten months’ rent, particularly in Bangalore) that gets locked up and only a part of it is returned to the tenant citing damages made to the house.

@shobhakaore3962

3 жыл бұрын

@@user-qk2mf4yv4r fake account...let's report 🙏

@thoughtsspace974

3 жыл бұрын

@@shobhakaore3962 done

Owning a house gives mental peace that no one can ask you to leave. Can't put a price on that. Having said that, the video is a very good tool to help with investment decisions.

EMI remains constant through out 15 but the rent changes so you cant invest 36K every month which will affect all your calculations a lot

@prmindia

2 жыл бұрын

Considering your yearly increment at an avg of 7%

Excellent and simplified explaination. Thank you! Buying house - May consider property tax and other maintenance cost like paint, leaks, damage fixing etc.

Have you considered the deposit amount in case of rental property? Further, the hassles of shifting the rental place atleast once or twice in span of 15 years may also affect the calculations.

@archanarelan7906

2 жыл бұрын

The calculation needs to cover deposit amount, constant shifting amount charged by mover and packers, cost of investing time in finding new place every new year till the time you find an owner that puts only 7% increment. Usually the increment is 10%. Also, even if we rent house, we pay society and maintenance charges. And the cost of time that we invest in convincing the landlord for basic changes. The calculations seems very lucrative but practically, there is no saving if you live in constant fear that someday your landlord would throw you out of the house for any stupid reason. In all such calculations, the analyst don't consider such mental tortures and the price we later pay for mental health counseling.

@hinakauser9236

2 жыл бұрын

also she calculated total total interest not so accurately as she hasn't considered RBM (Reducing Balance Method) for it

@mayursuryawanshi804

2 жыл бұрын

True no one allows to stay for more than 3y

@abhijeettalele3443

Жыл бұрын

also one should also consider that even if wr prepay 1 more extra emi per year we can close home loan in half the years.

@GauravGuptaBeFearless

Жыл бұрын

@@archanarelan7906 indeed I'm new in delhi and i took 2bhk on rent , i paid brokerage , advance rent as security , ac installation , now after a year again now i shifted to somewhere else near to my job location i paid apx 40k again rent + security plus brokerage loading unloading again tv ac installation charges , it would be better buy a house on loan and live peacefully

Thanks for this video. Could you let me know where I can download the excel sheet you have used in this video ?

एक नंबर ❤️❤️ तुमची clearity आणि transperancy for teaching 👍🙏

Most of us are not gonna even buy or rent a house but still watching

@manaschoudhary3924

3 жыл бұрын

Plz don't write us write I cause ill not buy a house but house's

@fredericksharon6908

3 жыл бұрын

@@manaschoudhary3924 good for u

@ThotaMadhuSudhanRao

3 жыл бұрын

Then where are you staying?

@niranjan286

3 жыл бұрын

You must either rent or own. What else can you do, stay on the street?

@rvind000

3 жыл бұрын

Yeah, we live on the streets.

The amount saved by renting will never be in ur bank account as savings to buy property after 15 yrs.. it will get empty by buying luxury car or an expensive vacation and finally roadpe

@debajyotinath5021

3 жыл бұрын

That will be from an emotional point of view. Luxury cars and expensive vacations are emotional decisions. From a financial point of view, you have to be practical, and that means you will be saving it diligently and investing in a market linked instrument like Mutual Funds. Keep emotions out of the game if you want to do a financial/practical comparison.

@Nicolette_Sheaa

3 жыл бұрын

You need to be wise for that and learn nsc

@pavanshetty9221

3 жыл бұрын

Depends on how you handle your finances

@vizeet

3 жыл бұрын

Why buy expensive car and vacations?

@sanketnegi1

3 жыл бұрын

Invest that money. If it's difficult open an SIP.

Amazing analysis. Just a quick observation to share :- The flat in Andheri, Mumbai of 20 lacs in 2006 was worth 1 cr in 2008. If India is to become a 5 Trillion Dollar Economy as PM Modi feels, then like China Whose housing sector is estimated at 3/4 trillion $, I believe India too has a long way to go. Eg. Of places where buying possible is Panvel Karjat Alibaug Thane Boisar Kharghar etc where prices have a chance of a huge appreciation after almost a decade of stagnation.

To increase your property values by 6% yearly you have to be really lucky in good locality. Plus once it increases to certain level the growth is not that much as people starts preferring outer side of the city.

The %age of down payment also has a huge role to play. If one can arrange for ~60% down, and the emi is not mote than 1/3rd of the monthly take home. Buying is the best option.

After saving 1.5 Cr by renting the house, my mindset would be let's buy a house with this amt .. haha. So its better to get now itself rite? Lol

@Rahul-cz4wc

3 жыл бұрын

Same

@foreverkushal

3 жыл бұрын

Renting is good only on paper. In all practical scenario, buying a fair price house with shorter loan duration is a better option.

@aditijain5246

3 жыл бұрын

@@foreverkushal Very true, because when you rent a house, once the rent paid your amount is zero. However, when you pay EMI, you are owning the property. You are getting an asset and the value of property also increases. In case of renting the house, you are still paying rent after 15 years and when we take a loan after 15 years, we have our own house and no rent :). When we pay rent of 20,000 monthly with the interest rate of 5%, FV after 15 years is 53,45,778.88

@harshthanvi

3 жыл бұрын

I would rather invest in index funds. 😂

@muralikrishna4149

3 жыл бұрын

Awesome suggestion mam. I was actually in this dilemma

Sorry for the naive question, but I could not find the excel sheet in the description box. Can someone help with where it is located in the description box? Thanks in advance!

Knew I could count on you , you were made to bring happiness into our world..thank you for your valuable help VladimirCorp you are the best

Perfect. This is what I usually explain people.

Definitely had doubts about this topic. And here you have delivered. Thanks for the vidoe. Worth it

This is very informative, how about a video on taking a decision on buying a home with home loan vs maximum self capital.

I did not find the link to the excel sheet in the description box. Can some one please guide me?

At the end of 15 years, 1 option will give you an asset/ security other option will give you nothing

@werewolf218961

3 жыл бұрын

Money is an asset no? You'll probably be holding the money in some mf/stocks

I feel that after 15 years ,in the rented place expenses will keep on increasing but once you complete EMI in your own house , the expense is only the maintenance.

@1085chandu

3 жыл бұрын

Yes, the scenario after the 15yr loan period is to be taken into account. She has misled completely

@shivamaricharla

3 жыл бұрын

👍

@anilgupta4801

3 жыл бұрын

After 15 years you will have home or if you are renting and saved emi amount then you will have 1570000 rupees in your pocket so calculation is correct in one hand you will have home and in other case(Rent) you will have 1.6crore in your hand

@bhargavreddy7038

3 жыл бұрын

but your investment will also increase at 10% , it was already 1.5 Cr . 1.5 cr annually at 10% generates 15 lakhs .More than enough to cover rent , monthly expenses child education , thought of this ?

@manoharthirunavukkarasu4015

3 жыл бұрын

Where can I find excel sheet for calculations

Since you calculated EMI savings benefit without using increase in rent , this 1.5Cr EMI saving future value came . it will be around 57lakh only if you take an annual decrease of 7% in SIP , as rent increases by 7% every year and EMI savings fall at the same rate

AAP VIDEO EDATING KE LIYE KON SA SOFTWARE USU KARTE HAI

5 years of continued efforts brought you here... the success is well-deserved!

@gaymatavideo

3 жыл бұрын

Sahi bat he.👍👍

Dear Madam, "Saving in Monthly EMI " -> It gets reduced every year due to increase in annual rent i.e. 7% which will subsequently reduce "Value of EMI saved " for total rental period. Was it being considered in this excel ?

@sachinagarwal4570

3 жыл бұрын

Right

@anonymoustechie

3 жыл бұрын

Also the appreciation value is calculated wrongly . It should be calculated on 75 lakhs 😁

@pratsig

3 жыл бұрын

Please correct Ma'am. This is an inaccuracy in the video and people take decisions based your mistakes.

@shamikghosh7303

3 жыл бұрын

Every year your yearly income is also increased by approximately that much, so both cancel out each other.

That excel link not available in description. anyone would you able share if know.

Hi madam , what is your review on square yards. The company isn't listed and there was news of pre IPO going on . The company is showing year on year profits even inthis market downturn. How to review these companies who are coming with debentures before their pre ipo

What a analysis, nicely explained. Specially toy angle. 😋. Today I subscribed to your channel and completed 4 videos. All the best for future.

This video should be in English, middle class people who don't know English needs this most. Great information 👍

Great video. I can't find a link to down the excel file in the description. Can you please share that?

Hi . I am unable to find the link to download the excel. Can someone guide me

After 15 years i.e., after completing my EMI, from 16th year I have to pay only maintenance amount for my house and live there through out my life time. But in a rented house I have to pay rent even when I am 70 years old.

@rajeshrai6293

3 жыл бұрын

yaaa i dont know why in india people think that they will plan for leaving 150 year of life...after 70 now 75% parents are dead or rest all leving in ashram or hospital...

@kunalahuja1272

3 жыл бұрын

But vijay you should also know the that your house will also grow old too! ;)

@akshat1601

3 жыл бұрын

@@kunalahuja1272 but average house age is around 60 yes so I think after 15 yes when you own your house you will be saving so much amount..it's just a thought I am not an expert

@prasannathebest

3 жыл бұрын

It is an amazing point ,

@SatyendraSinghGaur

3 жыл бұрын

Imagine pain of moving after 11 or 24 months and what about of renovation and buying your favourite furnitures and artifacts for your house. I think you should not have more than 1 house instead invest in property in village agricultural land so that atleast you have food if things worse than covid come in future. After all, we all are going to office for food but even that is also not guaranteed, having an agricultural land guarantees food atleast.

Hi Rachna Ma'am, There's a glitch in the calculation of EMI saved, as it's been calculated based on the difference (of EMI - Rent) of Year 1. While the EMI amount will remain fixed over the duration of 15 years, the value of Saving in Monthly EMI will keep on decreasing every year based on the increase in rental value. So, Renting doesn't look lucrative at all.

from where can i download the excel sheet i dont see any link, please help!

You said you would let is know how can we get that excel sheet at the end of video, I think you missed that, could you please help with the excel sheet... thanks!

When she said ''smash the like button'', I remember Graham Stephen.

@rohannepal5764

3 жыл бұрын

He like dead ass says that 50 times in a 2 mins video

@shreyashghadge9496

3 жыл бұрын

Smash the like button for the KZread algorithm 😂😂

@parthsharmabala

3 жыл бұрын

Truuuu that destroy the like button xD

@sachindesai4340

3 жыл бұрын

Hey graham's it is guy's 🤣🤣

@ramguruvignesh5371

3 жыл бұрын

Smash the like button - Ozzy Man

What about the Shifting cost whenever Landlord tells u to get out from his house and the Deposit amount and mental stress given by him...

@amitojsingh5159

3 жыл бұрын

Lease bnti h sir

@priyanair5686

3 жыл бұрын

On that you can't move out without atleast a month's notice. If you do so, you will loose most of the money from the deposit amount 🙄

@raghunandan2429

3 жыл бұрын

@@amitojsingh5159 Lease is even more risky.. You deposit high sum with him on Condition he has right to recover for damages.. I have heard many people in Bangalore did not recieve their half of the deposit amount.. Reasons they gave are door lock is not working, electrical stuffs have malfunctioned, bla bla... On top of that 1 month rent will be recovered for cleaning and paiting... Edit: this won't happen if the owners are honest but how will you get to know who is good.. I changed house 4 times luckily all were very nice owners they deducted 1 month rent as promised..

@siddhi373

3 жыл бұрын

Exactly. On Sunday late eve our landlord suddenly texted my husband to vacate in one month ASAP! Though we have a lease of 2 months! We are living here for last 6+years! it's really heart breaking.

@abhidevendra

3 жыл бұрын

@@amitojsingh5159 ghar lease pe ?

Owning a house is bringing emotion and memories, if you can afford, it is worth to buy.

Earlier today, Warren Buffett talked in BBC news about how investors and traders can make millions through Crypto. He also recommended an expert Mrs Betty Harris. Wondering if any viewers here are familiar with her services?

@katrinaspencer9383

2 жыл бұрын

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2 жыл бұрын

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2 жыл бұрын

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2 жыл бұрын

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2 жыл бұрын

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Just an doubt: in excel line number 13 'monthly saving' will keep decreseing as as rent will keep increaseing by7%

@peacetherapy9836

3 жыл бұрын

Don't you think that yur salary will increase.... and will compensate that ????

@mohanavamsivv8957

3 жыл бұрын

Also the total rent spent is subtracted again in the final benefit.

@mohanavamsivv8957

3 жыл бұрын

@@peacetherapy9836 Salary increase is there in both the cases. So need not be considered.

@fmt11229

3 жыл бұрын

@@mohanavamsivv8957 I didn't get why she subtracted total rent spend again? I think it's net benefit nearly 2CR in renting option.

@mohanavamsivv8957

3 жыл бұрын

@@fmt11229 yeah

2:17 The person be like: Hypocrisy ki bhi Seema Hoti hai 😂😂😂😂😬

Faulty POV. After end of 15 year tenure, asset created while renting is 1.57 cr while after repayment of loan, the property value is 1.8 cr.

@shamikghosh7303

3 жыл бұрын

the property value is only in papers. You can't the sell the house you live in. The assets created while renting is 1.5 crore in liquid cash. You can buy a house directly if you feel like after 15 years or continue to live in a rented house. Your choice. No one buys a 15 years old house as those rates. Would you buy a 15 year old flat?

I am not able to see excel link in description box. If anybody can give plz give it

Honestly, the property appreciation value is also flawed, the reason being ageing! Property does not always appreciate, dilapidation causes massive losses and Maharashtra has the worst redevelopment rules.

@SrikarGunda

3 жыл бұрын

Yeah something she should have considered I think apartments don't appreciate that much Or do they can someone clarify

@pradyumnamundhe8643

3 жыл бұрын

Khud bhi kuch kar liya karo..she has given the excel sheet..

@DGMVK

3 жыл бұрын

@@pradyumnamundhe8643 hahahaha I know. I was just discussing. We love her work and really appreciate it.

@Ask-li9ok

3 жыл бұрын

Paheli Mumbai hie ek city thi toh 13 percentage appreciation tha Mumbai me ab toh pune nagpur nashik navi Mumbai Thane bhi options me hai to appreciation 8 percent se jyada kahi nahi hoga Real estate will not good as investment As it was for last 2 deacade

@youtubego5267

3 жыл бұрын

@@Ask-li9ok Yeah, last 30 to 40 yrs was really amazing for real estate. My father had gained almost 1200 times return in real estate

Although she deducted the cost of buying a house to compute net benefit in Column G32 but She missed to deduct the amount deposited from the net benefit in column B26 :D The final benefit of renting the house as per her expected return on investment in case of renting a house will be (1,57,43,750 - 11,25,000 - 36,082 * 12 * 15) = 7605000/- Benefit Renting a house: Rs. 76,05,000/- Benefit of buying a house: Rs 72,49,798/-

Ma'am, Please share the link for downloading excel sheet used in this video

Saving is difficult than pay EMI.

People who tell that renting is better than buying, they have there own home. I don’t understand why they tell like this. One should have at least one own home for permanent stay.

@venkateshagnihothram4882

3 жыл бұрын

bro, you can buy if you have emotional attachment to home and u can buy if the property value increment is more than 9% per year . she told that

@nagarajjalawadi6596

3 жыл бұрын

True bro, instead of putting money into somebodies pocket, it's better to buy a home & pay the emis

You just showed what we save at the end of 15 years, but the one who stays on rent does not own a house after 15 years and continues to pay rent, whereas the one who bought it, will save money and will have the house as well.

@rahulsahu8658

3 жыл бұрын

Right..

@ketankulkarni1990

3 жыл бұрын

I have a golden reason here to rent a house..if I have 85 Lacs saved in 15 years by renting a house..I will go for world tour with wife in my early young age..which may not be worthy after 15 years...so renting house and enjoying tours for 15 years is the best option..as we have only one life....the owned house would not come with us in heaven...🤣

@charade9971

3 жыл бұрын

Absolutely! The kind of confidence a property owned gives an entire generation in a family wouldn't be just an 'emotional decision'

@UATHD

3 жыл бұрын

well after 15 years of saved money in more liquid assets you can buy a home of it. + renting gives you better options to move across for better income. so you can retire or buy a house in a tier 2 city and enjoy low cost of living

@JSALOKE

3 жыл бұрын

Find me a house owner who will give his house on rent for 15 yrs or are you suggesting to change houses every year?

i can not see the excel file you mentioned on your video description

Hello everyone. Can someone help me with a link to this excel sheet? Thank You in advance.

That child’s example was very clever😅

@10:05 Hi Rachana, Just a quick question. Net Benefit of Renting a House = (Value of Downpayment saved + Value of EMI saved) only right. When subtract again with "Total Rent for the period ", as we have already paid the rent.

Where can i get the excel sheet you explained in the video?

i dont see any link for excel sheet. please provid the link. very important and helpful for decison making.

intelligence with good sense of humor ...yaaassss :)

In cities like Bangalore, there is rental deposit that needs to be pay upfront which is usually 10 month's rent. So in that case it has to be deducted from down payment amount before investing it as deposit is only returned after 15 years. Also there is apartment maintenance in many societies is paid by tenants which is not shown in rent amount.

@vizeet

3 жыл бұрын

No one is taking 10 months these.. you can easily negotiate to 6 months. Maintenance is paid by the owner if you buy there is no difference.

Would considering deduction under Sec 24(b) make the buy option more lucrative interms of overall saving in 15 yrs ? All other assumptions n data remain same.