Home Loan Hidden Charges - Hindi
Тәжірибелік нұсқаулар және стиль
15 Home Loan Hidden Charges other than interest rate charges- Explained in Hindi. Additional Charges like Home Loan Processing Fee, Transfer Charges, Prepayment or Foreclosure charges, Conversion Charges, Switching Fee, Legal Charges, Valuation Charges, Home Loan Insurance, Late Payment Charges, List of Documents, Cheque Bounce or ECS Return etc.
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You will face these charges when you take home loan from any bank - SBI, HDFC, ICICI, PNB, Axis Bank etc. or through any NBFC like DHFL, Bajaj Finance, Indiabulls etc.
होम लोन इंटरेस्ट रेट्स के अलावा भी 15 हिडन चार्जेज़ होते हैं। होम लोन प्रोसेसिंग फीस, ट्रांसफर चार्जेज़, प्रीपेमेंट या फोरक्लोज़र चार्जेज़, कन्वर्ज़न चार्जेज़, स्विचिंग फीस, लीगल चार्जेज़, वैल्यूएशन चार्जेज़, होम लोन इन्स्योरेन्स, लेट पेमेंट चार्जेज़, लिस्ट ऑफ़ डाक्यूमेंट्स, चेक बाउंस या ईसीएस रिटर्न आदि जैसे अतिरिक्त शुल्क बैंक द्वारा लिए जाते हैं।
आपको इन हिडन चार्जेज का सामना तब करना होगा जब आप किसी बैंक से होम लोन लेते हैं, जैसे - SBI, HDFC, ICICI, PNB, Axis Bank आदि। या फिर आप किसी NBFC से से होम लोन लेते हैं जैसे - DHFL, Bajaj Finance, Indiabulls आदि।
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In this video, we have explained:
What are hidden charges of a home loan?
How to negotiate or eliminate the hidden charges of home loan?
What are major home loan charges?
How to negotiate home loan processing charges?
What other charges bank apply to home loan apart from home loan interest rates?
How bank charges for home loan transfer?
When does bank take prepayment charges?
What is prepayment penalty for a home loan?
How much bank charges for property valuation?
What is home loan insurance?
How does bank charge late payment charges, EMI bounce charges, cheque bounce and ECS return charges?
What are home loan hidden charges when you take the loan from a bank?
What are home loan hidden charges when you take a home loan from NBFC?
What additional charges are applicable to home loans?
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Hope you liked this video in Hindi on “Home Loan Hidden Charges”.
Пікірлер: 324
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sir aapke kmse km 5-7 video me meri watch list me rkhta hi hu.. 2-3 din me vo dekh leta hu tb tk dusre 5-7 usme add ho hi jate he.... aap ke free me gyan ke liye bahot bahot shukriya🙏🏻🙏🏻🙏🏻🙏🏻
Summary * Processing fee. 0.25 to 1% of loan amount. Negotiate for minimum processing fee * Legal and Technical due diligence: Lump sum fee to check property documents, site inspection and valuation * MODT charges: 0.1 to 0.2% of home loan amount * Home loan insurance. Is not mandatory. * Prepayment or foreclosure charges. 2-3% prepayment penalty if it is a fixed interest loan or you are transferring loan to another bank. * Conversion charges. * Switching fee. To move from fixed to floating interest rate loan or vice versa * Changing loan tenure. Fixed fee 1000 rupees
Great video! Thanks for providing so much info in short... I think you missed IGR & Cersai charges.
Sir App Sub clearly Bathate Ho, Really All Videos Good experience, detha, Our Sir Shere Markets Mutual fonds, kha Bharem Bhatado, Hambi Sekthe Hayna 😎👍🏻
Lots of knowledge as usual thanks mukul da
Truely an eye opener video...superb
Sir,I have been watching most of the your posted property related videos,good and brief info.I need a suggestion as well on Built up property Charges on Purchase or Transfer as Gift..
Thanks Mate !
Awesome video.. thanks again sir
Sir vey educated. Thanks for expanding the knowledge.
@AssetYogi
6 жыл бұрын
I am happy that it helped you 😊
Thank you so much for the valuable information, Really appreciate it.
Dear sir, Plz make videoes on how to analysis ITR & its components to detect one's Gross income, Net income etc. How to deal with Depriciation, Agr. Income, profit & remun of partner etc. Same thing with GST etc TDS , NBFC, Foreing & Internal big investors etc.
I am also from home loans department i want to add something extra here about charges 1) kisis reason se kuch issue hota hai property me to TSR ka extra kharcha ho dakta hai . 2) resale me buy karoge to draft agreement and society ke kuch transfer fees extra ho sakta hai 3) register mortgage agar bank bolta hai kisi tarah se karne ko to uska 2 percent loan amount ka extra charges pakad lo.
Very informative
Best video for home loan purpose
Sir, can you please tell me when processing fee is charged ? Before approval of loan or after approval ?
Thank you brother. Very useful n informative
@AssetYogi
4 жыл бұрын
Thanks Nadeem :)
Best voice and very useful sir. NBFC and PMAY ka bhi banaye sir
Usefull information, thankyou so much 🌺🙏
@AssetYogi
2 жыл бұрын
Most welcome 😊
Very useful sir
I like and watch your channel regular basis and till now I found it's very informative thank you for all this info.....I have one question recently I bought my new home now i wanted to know is one time property insurance is mandatory while opting new home loan.
Eye opener for new loan applying individual.. like me 😝
Thanks a lot sir for full detailed information, love your all content 👍🙂
@AssetYogi
2 жыл бұрын
Thanks Rakesh.
Thanks for such informative videos.
@AssetYogi
2 жыл бұрын
My pleasure
Good improvement. Keep it up
Thanks again.. Mukul
@AssetYogi
6 жыл бұрын
Welcome 😊
Sir please make a video on cancellation of home loan ..and how much charges we have to pay for that ?
Thanks you so much. It was very helpful.
@AssetYogi
Жыл бұрын
Glad it helped!
Great knowledge you have keep it up 👍
@AssetYogi
4 жыл бұрын
Thanks Abhinav
thanks sir
thank you for the video sir.
@AssetYogi
3 жыл бұрын
Keep learning 😊
Bhai ... Useful information especially who are looking for home loan
@AssetYogi
5 жыл бұрын
Thank you for appreciation Sikander 😊
Very informative...thank you so much :)
@AssetYogi
2 жыл бұрын
Thanks Kashif.
Thank u sir very use full inforemation
@AssetYogi
4 жыл бұрын
Keep learning
Good information
Pls tell me land owner's documents available after getting possession of flat...in land owner allocation.
Can you make a video about Refinancing home loans?
Thank u
@AssetYogi
6 жыл бұрын
Hope it helps.
Thankyou sir for
Sir DHFL or Axis bank Home loan up to 15 lakh which is best, yeh construction plot k uper karni hai jo already buy kiya hai.
Very informative video , thank you so much sir ....
@AssetYogi
Жыл бұрын
Most welcome
Sir kya intrest rate mai barganing kar sakte hai bank se ya wo fix rahata hai
Sir, in Telangana State the MODT stamp duty is 0.5%of the loan amount. If I am not wrong , it varies from one state to another.
Very helpful...
@AssetYogi
3 жыл бұрын
Glad to hear that 😊
Hi, do you have a video which explains what is Retail Prime lending rate? (currently HDFC shows as 16.20%)
@gurdarshansinghsodhi5570
3 жыл бұрын
My dear you should transfer your loan interest paying system to repo link lending rate because nowadays repo rate is 4% and you can save enough money in interest.
वैसे तो यू ट्यूब पर बहुत से लोग फाइनेंशियल नॉलेज दे रहे हैं।पर जैसा कोई नही।मैं अब सिर्फ आपके वीडियो देखता हूं।
@AssetYogi
4 жыл бұрын
Thanks for appreciation , Keep supporting :)
@harsh2945
4 жыл бұрын
@@AssetYogi u r d best ! Sincerity and hardwork is on your face ! Sir do you invest on behalf of clients in real life ? M working professional in Mumbai.. please please let me know..
All video ultimate and very easy for everyone
@AssetYogi
2 жыл бұрын
Thanks Sahaj.
Awesome video bro. Already subscribed u
@AssetYogi
5 жыл бұрын
Thank you 😊
Thank you for such good video
@AssetYogi
2 жыл бұрын
It's my pleasure
What is the different btn floating and fixed interest rate,kindly guide us....
Sir home loan kon se bank ya finance company se le iska comparison vedio banaiye current wala🙏🙏🙏
Very nice and important information sir thank you very much sir
@AssetYogi
4 жыл бұрын
Keep learning
Hey, Your videos are so helpful to unlock various things about the home loan. I have one question can you please create a video specific to choose the best bank for a home loan? and what should we remember when we deal with bank?
@AssetYogi
6 жыл бұрын
Sure. Will try to do that
@Nayan_Roy
2 жыл бұрын
Still waiting for it.
@ARPIT-gm3lw
11 ай бұрын
@@Nayan_Roy😂
Sir ,do we need to pay any GST on interest part of home loan ?? Please let us know 🙏
Valuer kase valuation krte hai plot ya house ke...kis basis pe
Valuable information
@AssetYogi
3 жыл бұрын
Thanks
Sir.....Nic information and thanku 👌👌👌👌👌👌
@AssetYogi
3 жыл бұрын
Thanks 😊
Sir very informative video
@AssetYogi
3 жыл бұрын
Keep watching
Thank you sir your video was very Informative ❤️ keep going
@AssetYogi
2 жыл бұрын
Most welcome
@manjusikka5218
2 жыл бұрын
Lone ke sath insorensh keyse kare
Different types of home loans - especially overdraft, etc
sir can u tell me capri global bank is good for taking loan is it authorised bank
Good information 👍👍👍
@AssetYogi
2 жыл бұрын
Thanks
Badhiya
I am also a banker working in home loans department but i appreciate you sir for this video whatever you said is 101 percent true 👌❤️
Very useful info
@AssetYogi
2 жыл бұрын
Thanks
Pls sir tell me home loan liya h to cheque kis tym milata h home ki registry vale din same day ya baad m
Please make a video on prepayemt. In detail...
Valuation charges के बारे मे सर बताये Bank of India
sir MODT me stamp duty or registration charges dono hota he kya? Uske baad Notice of intimation bhi karna padta he kya???
Sir please make a viedo on Rulra Area property
Is LIC a better OPTION for home loan against Banks like SBI, ICICI, HDFC?
@shuvoofficial6342
3 жыл бұрын
Always
Sir kya home loan ka pre payment karne par emi kam hoti h? yaa time kam hota h? Yaa customer ki marji par depend hota h?
Very useful video
@AssetYogi
4 жыл бұрын
Keep supporting Ravi :)
3rd point MODT charges.. Should I pay to government or bank.? What is mortgage creation charges.?
sir notice of intimation filing regarding loan karne ka fees bhi major charges hi
Sir these information are very important for us, Thank you sir for this video
@AssetYogi
6 жыл бұрын
Yes. It is indeed very important.
Franking ke uper bhi ek video banaye
SBI term plan is government or not? Is there any term plan offer by government of India?
Thank you sooo much
@AssetYogi
3 жыл бұрын
Hope it's helpful 😊
@nileshparmar4082
3 жыл бұрын
@@AssetYogi yes very much.. bahot hi badhiya tarike se har pehloo ko aap cover karte hain.
Sir please about ocr
Nice sir....
@AssetYogi
4 жыл бұрын
Thanks Bablu 😊
Balance transfer me existing Bank charges lagata hai kya? Aur kitna.
Sir please compare VPF & PPF
Sir floating interest loan pe rate of interest high hone paar Kitna amount high ho Sakta hai loan amount 1692000 hai dhfl se liya hai unhonee 14 emi extra Kar Diya hai kya Karo dusre bank me try Karo transfer ke liya
Which bank is best for home loan?
Sir pre emi why they cutting for 3 months ...initially
Home loan emi Collection k liye koi tips bataye pls.
Good
Sir home loans preclouser me amount edena pata hai
hello sir...please sir aap bata sakte hai ki stamping charge kya hai mai ek loan ke liye apply kiya hu lic me to agent bol rha hai 20k stamping charge lagega
Please make a video about Part Period Interest (PPI) in Home Loan.
@AssetYogi
4 жыл бұрын
Please make a video about Part Period Interest (PPI) in Home Loan.
Is there any goverment charges apart from processing fees in lic homeloan
I have paid conversation charges on home loan 10% to 8.5% rs 2500 + S charge in Axis bank
@nishantarora5842
3 жыл бұрын
Sbi 6.80% contact 7017755004
Could you please clear if all these charges are taken by SBI or not. What is the major difference for taking loan from SBI rather than HDFC
sir plz give info on homeloan for farmers
Hi i have a small question about this, I have a business running with all documents in place including my computation of income and returns, But i don't have any Co-Applicant and i am also not married so can i apply for a new home loan ?
Add video on pure home loan for house construction and for renovation purpose home loan
Sir agar home loan me 2 co applicant add ho or home loan insurer ki death ho jaaye to kya home loan co applicants pay karenge ya insurance company.
Bhut he achi vedio
@AssetYogi
5 жыл бұрын
Dhanyawad :)
@arifqurashi3059
5 жыл бұрын
@@AssetYogi sir apka contact number mil skta hai apsa khuc lone ka Barra ma phuchna hai