15 ஆண்டுகளுக்கு முன் வாடகைக்கு வீடு கட்டுவது லாபகரமாக இருந்தது.அப்போது நிலம், மணல், சிமென்ட், கூலி செலவு குறைவாக இருந்தது. ஆனால் தற்போது அனைத்தும் தலைகீழாக உள்ளது. அதனால் வாடகைக்கு வீடு கட்டுவது லாபகரமாக இல்லை.

@kishorekeeran2201

Жыл бұрын

Vera vazhi illa future la use agum

@kishorekumari7762

Жыл бұрын

True

@redpepper8913

Жыл бұрын

After 15 years ... House old ayidum... Overall loss.. Thaan... Land , gold la invest panna thaan worth

@i5Logan

Жыл бұрын

அப்போது நெறய வீடு கட்டி வாடகை விடுவாங்க. இப்போ ஒரு வீடு கட்டவே நம்மள அடமானம் வைக்க வேண்டி இருக்கு.

@ambathurmagesh7453

Жыл бұрын

@@i5Logan என்ன செய்வது. மக்கள் மற்றும் வாழ்க்கை உட்பட அனைத்தும் மாறிவிட்டது

After 10years the land value increase 100%

No Offense, But I do not agree with your numbers, Today construction cost is 30L and in next 10 years it will be 45L is your take which is wrong. At 8% inflation in construction cost 30L will be around 65L after 10 years. I agree that investment decision which you suggested is right, but when quoting numbers don't use random estimates. Try to use a calculators available in google so that your estimate will be 100% right.

@SmartAndFoolish

Жыл бұрын

Let's agree to disagree on the inflation rates. For construction field it's less than 8% for sure. I've kept the inflation rate at 5%.

@haribabus4542

Жыл бұрын

@@SmartAndFoolish considering macro economic factors 5% inflation rate is very low with rupee depreciation and other factors. But again it's my view point you are very well allowed to disagree with it ☺️

Very wrong advice, if the person has land and has 13 lakh CTC he should go for housing loan. Consider the avg rent in Trichy to be 8000 for a 2bhk he pays 96000 for rent If he takes 30 lakhs loan the EMl will be around 33000 which comes to around 400000. So the first year he moves to his own house he can use the rent equivalent to pay 25% of his EMI Now consider the tax savings under sec 24 which allows 2 lakh to be deducted for interest payment. So his taxable income comes to 11lakh. Then the principal payment for the housing loan 1.5 lakh can be deducted under section 80c so his taxable income will come down to 9.5 lakh Add in the 50000 standard deduction, now his taxable income will be 9lakh And if the housing loan is under 35 lakhs he can claim an additional deduction on interest payment of 50000 under section 80EE So his taxable income comes to 8.5 lakh This is the financial side of the benefits, and if the person is residing in a rental property, they should focus on acquiring their own house as it will eliminate most of the stress with residing in a rental property

@SmartAndFoolish

Жыл бұрын

This is not for his own use, he's looking at it for rental income.

@mams623

Жыл бұрын

@Sam u r right... lands going for 300rs/sq ft 5 years ago goes for 4000rs/sqft today.... depositing in bank fd is utter waste today ... banks barely give 6% interest rates while 2022 inflation rate is 7.4%.... If u think you cant invest 30 lakhs today for ur house then u cannot build even half the size house with ur 1.6cr money 10 years later like he describes in this video...

நானும் இந்த லோனில் மாட்டிக்கிட்டு முடிக்கிற.வாங்கும் போது இனித்தது இன்று கசக்கிறது.அருமையான பதிவு

Land rate is raising so fast... What about part payment and close the loan sooner... Take loan and close asap while you are young .... After 10 years you won't be able to buy land at the same area...

It's pretty foolish ,if you don't even have a home ,ungala mathika matanga ponnu tharamatanga ,so and so ,first veedu nrathu oru basic need like sapadu ,dress mari ,itha investment ah paka kudathu ,rendayum kolapika kudathu

Bro, assuming a 15% return p.a. is too optimistic. There will always be some market correction which will wipe out the corpus growth to some extent.

Thanks for the effort bro 👍🏻 Financial literacy is a must 💸💪🏻

I feel one own home should be there for a family, it could be in city or village. Something's we should not calculate too much. I agree that 10L person should not plan for 3 Cr home.

bro for 13 LPA, how the take home will be 1 LPM :( Also his spending 20-30K with 2 kids is chennai hypothetical ( might be possible in smaller towns/village)

Don't get into loans in 30s and 40s life will be happy there after assuming you saved and invested your earnings with the power of compounding. For tax breaks best option is PPF , next NPS, third ELSS. Increase sources of incomes. If real estate as an investment buy apartments already built in cities with returns in rent close to emi so it will pay off the emi and put surplus in your hand

@pradeepraju7470

Жыл бұрын

dont go for apartments

Please let me know the company name which gives 1Lakh/month for 13LPA CTC 😅

@universalpalace9326

Жыл бұрын

Muico

@kailash8

Жыл бұрын

TCS 5 வருட அனுபவம் கொண்டவர், infosys ஜாயின் செய்து இருக்கிறார் 12LPA சம்பளம், அதே போல 5 LPA விப்ரோவில் வாங்கியவர் TCS சேர்ந்து 8.5 LPA வாங்குகிறார். இப்போ மார்க்கெட் உயர்ந்து இருக்கிறது.

Dear Earth Quake & Tsunami, Please Come soon these guys going tooooo greedy on Real-estate. No Standardisation. Over Hyping the value. its keep on increasing. thats why people want to buy home

@minillk

Жыл бұрын

Real estate brokers are reason for this land price increase. Even in a small village, the price of land has gone up.

defenetly eye opening explanation bro... can u pls put a video abt for safe investment to save better future

Totally wrong bro ipolam land value 4 times increase paniranga brokers & lancham vera after 5 years 1 crores ku 5 cent or 10 cents thaan vanga mudium

As per my real time experience he was told the truth because once he reach around 50L he can feel financially free.. Also If we have some huge amount of money then tons of ides we can plan.. Making money, wealth or building house is easy only if have some huge amount of money..

Kannu building materials all provided by building owner then to give only labour salary on weekly r monthly basis to see the difference of full contract & own risk to build a 🏠 k to check it we get exact 20% saving to build a single home

15% annual return avlo easy ah sollitinga? Avlo easy ah irundha ellarum 15% return la rich aiduvanga.

Your content is amazing but on the recent 2 or 3 video focus is not proper. Can you please look into it

@SmartAndFoolish

Жыл бұрын

I'm trying to get it right however there's some technical issue. Will try to fix it in the future videos.

Really my knowledge in finance improve by seeing your video bro...

Don't take home loan ever if u want to buy an home. It will be 240% house value paid to bank towards emi for 20 years....

@prasanthm4161

Жыл бұрын

Then how we bulid home without loan

@shanthiduraiswamy6085

Жыл бұрын

I took a loan of 16 lakhs in 2012 for a flat of 800 sq ft .The total cost was 25 lakhs. I completed the loan in 2020. I m getting rent out of the flat. Constructing house is not easy today.Buying a flat is the only option. If u have own land building is good option ,if not buy a flat

@manisri9497

Жыл бұрын

@@shanthiduraiswamy6085 hi have you got flat loan

@shanthiduraiswamy6085

Жыл бұрын

@@manisri9497 Yes,and completed the loan

Mr.smar and foolish...problem here is...to meet the social expectation here...endha veetla ponnu tharaan inaiki ???? Evan respect pandranga sondhama veedu ilana? ....im 28 ..enaku avasiyame ila dhan home loan ah eduthu tholachan...2 varushama ponnu thedi kedaikala..after constructing my home 1 monthla ponnu kadachudhu... Now my wife also earning and im also earning...my surplus increased ..and im started paying for part payments ....so in india ..especially in chennai..financially literacy is zero among all people..

Yes even i felt that if i have 60k job and if i buy 60k iphone 13 if display brokes ots 33k and bavk glass 19k so my monthly expense for food etc cant be done

நல்லா சொன்னீங்க, இன்வெஸ்ட்மெண்ட் பண்ணிட்டு இருந்தா டாக்ஸ் வராதா அப்படி வந்தா எவ்வளவு கட்ட வேண்டும். 15 L yearly

Really very nice advise to the people.. your thoughts are very correct and the way you explained is much appreciated…

correct time la enakku sonna Mari iruku bro

LIFE IS Short bro don't planning toomuch

Chennai is not a place to live. It is a place to earn money. Don't try to settle in Chennai.

In FD money will depreciate Property will be double

Rent katratha Vida.... House loan eduthu oru flat vaangi athukku EMI kattalam... Namakkunu oru veedu sontha maagidum nu solrathu entha alavukku unmai?

@akaramtamilnews1156

Жыл бұрын

EMI should be equal or less than your rent

10years house rent calculate pannave illa bro

@keerthivenkat7701

Жыл бұрын

10×12×10000=1200000

How we will be getting 15% return. Now a days which investment plans getting us 15% return as static and same time investment need to be safe.? Is there any thing like this?

@SmartAndFoolish

Жыл бұрын

One should consider investing in Nifty 50 Index Fund.

@sureshg9086

Жыл бұрын

@@SmartAndFoolish well said bro i m doing this

Am one of the best example for locked with HL

Monthly expense only 30k including rent, school fee, eb etc?

13 LPA va.. First oru 6 LPA salary vali sollunga then idha discuss pannunga

Vengayam. Thalli potta lam panavea mudiyathu. Useless advice. Middle class ku vera way ella. But smart ah think pani apo apo part payment lam pani loan ah QUICK ah close pana try panunga. Sila advice pesa nalla erukum. But pratical life ku set agathu

Totally wrong calculation. You are telling that the cost of construction for the house is 30 lakhs at present and after 10 years it will be 45 lakhs. If you apply 8% compounded inflation, it will come around 70 lakhs. That's minimum 70 lakhs. That too while sale price inflation only. Retail inflation will be higher than this.

Hi Bro, Thanks for your detailed analysis. Could you please let me know how and where i should invest my savings and make return for me so i dont have to depend on one side income. Thank you

2009 la 12 lakhs la house 🏠 vachom.. But we are not happy in that house... So we moved to govt quarterers... From That house we are getting 10000 rent... We have another land ,to construct another house, we need minimum 35 lakhs.... 😞 at present.... Own house irukku nu oru relief avlo thaan...

@shanthiduraiswamy6085

Жыл бұрын

நானும் அப்படி தான். 2012 இல் லோன் இல் apt flat வாங்கினோம்.2020 இல் லோன் அடைத்து விட்டோம் சென்னை City விட்டு தூரம் என்பதால் வாடகைக்கு விட்டு இருக்கிறோம். என்ன இப்ப

Niz and sweet bro thx

EMI preclosed pannuna namaku loss. and loan longyears podanum.

Lovely message

House as an Investment not wise .

Really very impressive......

Good info ..,

13 ctc la 1 lac take home impossible

can you suggest some investment plans

Really smart 👏

Nice Content 👍

Ettu suraikai kariku othavathu

useful bro

unga kitta irundu construction industry ya kapatanum..!!! but aasai yarai vittudu , peoples own house vanguvanga..!!!peoples`a emotions control pannum , not rational thinking like this calculation..!!!

60 ℅ own amount 40 % loan edukalam maximum riskla... 75% own amount 25% loan it will be safe.. My friend decided to build a home but he choose wrong way took 75% loan Now he sale the home due to loan amount increase

Super and authentic advice

What if total investment expecting 12 or 15 % went down with market crash after 10 yrs . Then complete save lost

@SmartAndFoolish

Жыл бұрын

What if - the house prices start crashing? - Gold loses its value? - you lose your job? - there's a natural calamity? - Countries get into world war? - Inflation is out of control? All these are just assumptions. We can't give a definitive answer. Even if something worst happens, we can't help it (just like Covid times - the world went into a lockdown) Always hope for the best and be prepared for the worst :)

@kskguitarclips8069

Жыл бұрын

@@SmartAndFoolish Very true, however i prefer hard earned money to invest maximum % in low risk investment like PPF, FD and invest balance amout in high risk share market. The above listed disater will first hit the share market which is first in sequence and other elements also having risk but has some safety layers

Nice

60 lacs la 15% 9 lac thana bro?

@thayanithi94

Жыл бұрын

15% return per year

@nagabala5011

Жыл бұрын

@@thayanithi94 yaru bro 15% consistent tharanga 🤷 even Warren Buffett company won't give guarantee returns . On top of that we need to pay tax

@veeraraja1385

Жыл бұрын

@@nagabala5011 Mutual fund average return 12 -15 percentage... Kept money 7 to 10 years minimum

@nagabala5011

Жыл бұрын

@@veeraraja1385did you calculate taxation along with your profit returns ? what will happen market crash after 7 years while you withdraw ?

@veeraraja1385

Жыл бұрын

@@nagabala5011 10 Percentage taxation and u have to wait market correction/Bullish market for withdrawal

Waste idea don't follow this

I think he is confused and his points aren’t so valid. Also, he misguides few