Amazing calculation & video.. Thamks for information

Excellent and informative video 🎉🎉🎉

Thanks for sharing very valuable information. 🙏

Sir bahut acche se btaya....god bless you keep it up

Very nice sir ..thnk you...we will definately use this things ...

Bahot badhiya.. first comment

Very Informative Source...Thanks sir💯

@sumant15

5 ай бұрын

check the power of compounding my friend. this video is misleading 😄

Thank You for the information.

Very good information sir.thanks as nobody teaches like you even the bank

Very informative video with good solutions

Great bhai, good information.

Very afermative video thanks

Thanks for the useful information

Very good information sir,

Best Video I saw on home loan closing

Nice video and very nice explanation 🎉🎉

Yes thanks this useful information sir ......... 👍 ..... but mujhe lagtaa hai aap ek baat apne example formula mai show nahi ker paa rahey plz. Sir every year rate of interest % 0.05% -0.10% increase he hotaa hai maine bhi home 🏡 loan letey time mota mota calculate kiya ta but meri calculation fail ho gayi ye sach hai ki aap year mai 1 emi extra deposit kertey hai to ye every year ke middle month mai ; ya every year mai last month; ya starting year of month mai Regular month emi ke saath extra emi amount deposit kerna sahi hoga ?

Bahut hi acchi tip batai hai aapne. Good for youngsters plan their home loans in advance.

Please help me with one question. I'm kinda stuck. Getting no answers. It's about PMAY. I bought this house back in March-April 2022, at that time I didn't receive this subsidy as the loan provider informed me that it is discontinued. Now I've seen some notification that PMAY is extended. I contacted my loan provider and still they're saying that it is discontinued. Is it really discontinued? My loan provider is Tata capital Housing Finance Ltd. Another question, I live in Delhi NCR, and when I was scouting for a house, I actually figured that majority of the locations where I can actually afford a house doesn't really have an MCD approved Map. (kacchi colonies) and the locations where there is a legit map for the house are freaking expensive. So, even after having a great Credit score of more than 800, I couldn't get any loan from the banks ( HDFC, SBI). So, apparently I had to eye towards NBFCs which are apparently more expensive than the banks. Is my understanding true? Lower interest rates are just for people who can afford a house in a good location and can buy expensive houses. Pretty strange to me.

Super teaching 👌

Nice and very informative video.

Thanks usefull information

During the home period 1.5 year Interest rate many time increase how calculate repayment.

Very nice information sir

Thanku sir.aapane to Mera adhar prolm solve kar diya.

Thank you for information

Good information sir 👍👍

हाउसिंग होम लोन लिया था 15 लख रुपए का 20 साल के लिए और वह ऑनलाइन दिख रहा है 298 किस्त दिख रहा है जो भरनी है तो उसके लिए क्या करना चाहिए

home loan ko jaldi khatm karke faayda nahin hai.. balki aap home loan repayment ke jagah par 20 saal ke liye small cap fund mein invest kar dena chaiyen jitna aapka intrest home loan par lagega uske double or triple times 20 years mein mutual fund aako de dega or sallary person ko incone tax mein bhi benefit milega

@kamalrathaure4768

4 ай бұрын

Uske liye bhi to paise bachna chahiye Sir saara Paisa to emi mein chla jata hai

@MohanLal-bl4pf

3 ай бұрын

Crrect bhaai...​@@kamalrathaure4768

@varunpradhan5148

3 ай бұрын

But sir soon ne mai to acha lag raha hai

@lifehasnobackspace

27 күн бұрын

Sirji 20 sak k bad paise ki value bhi down ho jayegi, double ya triple milenge lekin value down hogi and 60 to 70 lac ki loan ke emi pe savings nahi ho pata nd interest bhi bahot de chuka hu 2 loan me..better to part payment and invest small amount in stocks not in mutual fund...

Not agreed with the part foreclosure concept. Only the principal amount gets reduced to that extent not the interest.

everything depend on individual personal income and family obligation & liability

why you didn't opt sbi maxgain or bob advantage loan?

Great idea bro I will follow same now . Thanks for great idea to save my hard earned money in loan interest.

@WealthGuruji

2 ай бұрын

Great 👍

@sajjanagarwal8105

14 күн бұрын

Did you take home loan on floating rate of interest or fixed rate of interest

Mera personal loan balance hai 3 lakh 20 hajar aur mere paas abhi 4 lakh hai, maine uske shares liye hai. Kya personal loan close karu ya share ko buy sell karke profit karu, please reply

Thanks for this information and congratulations to you for closing your loan so fast. However, for general public it is not practical to save 10-12 times the amount of emi every year. I feel 7-10 yrs is a good time to close the loan considering income growth etc.

Bahut sahi sir ji mera bhi same plan hai home loan ke upar me bhi matual fund me save kar raha hu 2 fund chal raha hai 1000-1000 or isko par annual 10% se increase karunga

@msdhaliwal

3 ай бұрын

don't forget to calculate inflation for long term SIPs

Sir ager extra payment principal me deposit karen to ky effect padega EMI me. Kiyun ki principal kam hota jayega to tenure, aur interest bhi kam pay karna padega pls reply me

Your good information

बहोत अच्छा सुझाव है

Sip same person k name se hona chahiye ya kisi aur k naam se kar sakte hai any document process for this

SBI bank does not revise the tenure even if we repay the part of home loan, it just go on deducting the EMI till the amount gets to zero.

@WealthGuruji

6 ай бұрын

That is good for you. In this case your tenure will be reduced and you can complete loan faster. Not suggesting to reduce emi after repay.

@anm_15

6 ай бұрын

@@WealthGuruji I am saying SBI does not reduce the tenure

Very good video bro

Taught us more details.

Bhai you rock ....

Sir mene mere loan ka tenure 10 years h or mne 3years ka pay kr diya hai toh ab yearly 1 lkh pay krna thk rahega ?

Sir Maine KZread pr km se km 100 videos dekha, but apka idea super duper hit h, same to same Mai aysa hi search kr rha tha, 25lakh loan Lena h mujhe bhi, please mujhe ye btayye k kya apne 25lakh loan 20saal k leye leya tha?, or 2, 2.5lakh rupees year k starting mnth me extra dalna h ya kisi bhi mnth me?, dusri baat jis mnth me bhi 2, 2.5 lakh dalna h ye ek hi mnth me completely 2, 2.5lakh dalna h ya alag alag mnth me? Please reply krye apki waja se Meri bohot help ho jayegi, 😊🙏🙏

Sir agr 24 lac loan h 2050 tenure h to 5 lac per pay krne pr 5 lac kisme se kam hga or nya tenure or principal kya bnega agr emi same rhw

Bhai, make an analysis with average 2.8L invested for the first five of 20 years, and just stay invested for the remaining 15years. You would see the power of compounding, and the home loan continues its course.

What about capital gain tax on SIP return??? Who will pay tax on it?❓❓ 10 - 15% TAX

Mera 10years 520000 ka loan 12%ka hai to 5yerar mai kese khatm hoga Kya karana padega Pripement kitni bharni chahiye please suggest me

सर , advance payment मार्च end मे करने से ही benefit मिलेगा या कभी भी कर सकते हैं ?

Hum prepayment kare to apna intrest kam karana sahi hai ya phir time period

Thank you sir

I think agar aapka 20 lakh ka loan liya hai or 20 saal mein aapko intrest jodkar 40 lakh repayment karna hai then usko 20 saal chalne dena chaiyen aap iski bharpaayee ke liye alsg se 4000 per month ki sip chaliye or 20 year mein 12% ke hisaab se aapko lagbhag 9.6 lakh invest karne par 40 lakh milenge jisme se 30 lakh ke lagbhag aapko profit hai jabki home loan mein aapko intrest 20 lakh dena hai phir bhi aap 10 lakh profit mein rahoge and up to 20 year aap har saal minimum 20k ke lagbhag tax mein bhi save karoge... isiliye paise hote hue bhi loan ko khatm karne mein benefit nahin hai...

@jameernaik6753

5 ай бұрын

Mera 22 lac loan hn abhi 8 saal hue 21000 emi hn principal amount sirf 2.5 lac kam hui hn.. suzav de kya karu aage

@prataptomar1706

4 ай бұрын

mene aapko bataya hai uper commnt mein...Phir bhi aap jaldi khatm karna chahte ho then har saal15-20% ki emi badwakar bhi aap apna Loan khatm kar sakte ho... but ye tareeka bhi mere uper waale commnt se kam beneficial rahega

Per month or per year loan repayment ke liye kon sa faida hoga?? Pls explain sir

What's the difference between increasing the home loan EMI amount by 5000/- v/s pre-paying home loan with 5000/- every month? What is more beneficial?

@WealthGuruji

6 ай бұрын

Increasing EMI will bound you to pay every month without fail. But it is more preferable. In prepayment, you can skip as per your financial need. That's the only difference.

@adityakolhatkar8703

6 ай бұрын

@@WealthGuruji- Okay. Isn't there another different - 5000/- EMI increase will still be paid as Principal + Interest amount every month. Whereas 5000/- monthyl prepayment amount would directly deduct my Loan Principal, making it more effective.

@aswinisahu6200

5 ай бұрын

You are bound to pay if you raise emi.

Excellent ideas Sir

Maine 2019 July Aavas se loan liya 5saal ho kaise karu wo to EMI badata chlaa ja rha hai 830000 kaloan hai mere ko mobile karke bhi slah de sakte hain please Kam income wala Banda hun samajh nahi aata kase karu

Hi Very informative Agar aap mujhey 5 saal pehley mile hote toh aaj mera bhe home loan over ho jaata. Kis SIP main paisey lagaye Please tell

Kya prepayment karny ky baad EMI reduse nhi hoti hai kya????

Hello Sir Mera home loan hai PNB bank mai ,Mera EMI kat Raha 11667 rupees per month already Maine ek sal de diye kaise Mai isko jaldi khatam kr sakte hai Mera salary abhi 28,000 hai total 760 months ka loan hai mera

Sir 9 lakh ka loan 84 maonth ka 16000 hai to kiya karna chaiye

What about tax saving from housing loan

sip ke sath prepayment bhi kar sakte hai kya

Flexi loan bt kar sakte hai kya au bank se

Can you please explain the taxes as well

Sir EMI amount same rakh k hum 1sal me 1lac kar k deta hu wo principal amount se adjust krta hu..

I have plot plus construction loan can guide for that

Mast h Bhai ji 🎉

You didn't calculate the interest charged by bank for prepayment

boss Would you mind to give a mathematical formula so that we can calculate those waive-off interest by our own home loan

Sir 25lakh k loan me every month 51896Emi dalege to bhi 5saal me 31lakh hoga, apne ayse hi keya kya? Ya apka emi every month kitna pada ye btayye please, mujhe bhi 25lakh hi loan lena h, please reply

Thanks

Excellent....👌👌 Really practical solution hai..... I have done same for the educational loan taken for my son.....

@sumant15

5 ай бұрын

see my comment above

Can you help to clarify at what time of a month it is better to prepay the amount? I was told that some simple interest is calculated, so better to pay the amount on 1st of every month rather than end of month

@ankitrao6159

6 ай бұрын

Bhai same question Mera b yhi h ans mile to btana

@ashishpolinati4892

6 ай бұрын

@ankitrao6159 bhai I asked same question in another video and another person confirmed that uska bhi same situation hai. Simple interest is charged on the amount from 1st till the day of month you make prepayment. So for example you have 8.4% home loan interest and you wish to prepay 400,000 on 01-Jan-2024, then you need to pay {400000 X [(8.4/12)/31]} = 93 rupees extra per day. Hope this clarifies

@jyotsnaswarnakar8345

4 ай бұрын

In LIC housing , after 1st 6 months of your emi payment you can anytime pay extra amount

@ashishpolinati4892

4 ай бұрын

@jyotsnaswarnakar8345 yes but can you confirm if they charge some additional amount if you pay on let's say 10th of the month... just specifically ask this question to your home loan manager and let me know please

Ye karne k liye .. loan lete samay kya humme fixed roi pe lena chaiye k.. floating pe.. ? Kis me ye .. possible hai.. yearly 2 emi extra

@rupayanaich2553

Ай бұрын

Floating

PNB housing finance me home loan me ek extra EMI nhi lete. Ye 5 EMI maang rhe hai. Jab 5 EMI denge tab ye principal me judega. 1 EMI nhi

Emi utna hi lo jiska double tum pay kar sako kabhi aafat me uska 30 % ka sip kardo ache funds me aur yearly pay karte jao usko

Mera 16.5 saal ka home loan hai... 23,500 EMI har mahine pay karne par rahe hai. Kaise kum karein?

Sir ये सिर्फ floating loan पर ही लगता हैं na

Good idea boss 👍

kya ye SIP plan personal loan pr bhi apply hota hai

is it applicable on fixed loan or on floating rate of interest

@jyotsnaswarnakar8345

4 ай бұрын

Only floating

Thankyou babu ji

मेरा साठ लाख का होम लोन साढे नो प्रतिशत की ब्याज दर पर चल रहा है! ये सन दो हजार बीस से चल रहा है!इसकी किस्त पैंतालीस हजार रुपए प्रति माह की किस्त आ रही है!मै इसे पाच या सात सालो मे मे किस तरह चुकाने की प्लानिंग कर सकता हू,मार्गदर्शन प्रदान कीजिए

Pre payment calculator ka link open nhi ho rha

Bhai ji jo SIP wala solution btaya hai usme tax bhi to lgega

I approved a home loan of 18 lakhs from HDFC and I took 13 lakhs disbursment. Now I want to pay the remaining from my pocket to the builder instead of getting the next disbursement from the bank.cause I have some amount to pay. Is it okay?

@aniketsanap1

Күн бұрын

Yes you can pay to builder and if any remaining amount you want to pay by loan you can do that as well.

How can I get EMI calculator table?

Home loan agar lumsum amount bharne ki bajaye aapne bataye tarike se sip nikal le to interest free ho jayega aur income tax saving bhi ho jayegi chalega kya

@WealthGuruji

5 ай бұрын

Yes

Sir mera 927000 ka home loan hai... Maine ek bar ekdm se 1lac pay kiya... But mera na tenure kam hua aur na mera emi km hua... Statement me 30 sal tenure a'd 7400 emi dikhata hai... Pls suggest

Sar hmara loan abhi start hua he hum chahate he ki jyada mi bhare lekin hme dar is baat ka he ki hmari sabsidy ka paisa doob na jaye

Aisa Bhi Hota Hain Keya ?

aapne sb kuch bataya lekin pre payment krne pe bank principle ammount ka 4% extra charge leta h wo nhi bataya hr sal 100000 pre payment krne pe jo 4% lagega usse sidha sidha bank ko e profit h samjhe jo b informaton do uski dark side b bataya kro or pre payment krne ka option ki b limit hoti h or ek sal k bad e aap prepayment kr skte ho

tnq bhai

क्या बैंक एडिशनल EMI की फैसिलिटी देता है?

Thanks bro

Dhere dhere income badh rahi h har mahine , 😂 wo log loan hu nahi lenge , but thanks for video

personal loan kise jldi finish kr skte hai btana please

Sir Maine bhi 30 lakh home loan liya h 20 years k liye Mera 24k EMIi bana h..mujhe is calculation se 62 lakhs bank ko pay karne h.. Loan ke against Maine small cap fund me 5000 ki SIP ki h.. 20% ke return ki calculation karun to Mera SIP amount after 20 years more than 1.5 crore ho rhi h

@chetanpardeshi8938

3 ай бұрын

20% return expect krna kuch jyada expect nhi krre???