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@abhishek_tiwari_1997

8 ай бұрын

Maan gye aapko guru ji, bht se fininfluencer ne faltu ka ltka diya, kash phle mil gya hota aapka channel to apni bhi koi property bna li hoti😅

@prashantks2013

8 ай бұрын

Dear sir if real estate growth is 6-8% and SIP growth is 15-16% then why could we don't give 2% to the fund manager And SWP is the process from which you can take money monthly after a long time of investment 😊

In the era of taane maarne wale fathers.... U are the True father figure who is creating impact in the life of youth... Thank you

@darshan_shukla

8 ай бұрын

Baap badal liya

@Being_anonumous

8 ай бұрын

​@@darshan_shukla😂

@RaviRegar

8 ай бұрын

@@darshan_shukla sabke baap apke jitne ache nahi hote darshan bhai... Khair sabki apni apni problems h... I wish u best 😇

@darshan_shukla

8 ай бұрын

​@@RaviRegarmay your relation with your father become good and understanding, wishing you best for future But do not judge someone based on their videos or a few meetings

@mk1bch

8 ай бұрын

​@@darshan_shukla biological pita and rasta dena wala pita alg hote h bhai, vo bs bol ni paya, mahadev ko bhi pita mante h log, anath balak ko jo pale vo bhi pita ho jata h, aise hi guide krne wala bhi hogya life m.

Great video sir. Nice reply to Finance with Ankur Shrivastava.😂 I have actually done the maths in excel based on your calculations and turned out that it's actually beneficial to buy a house than rent it in a 30 year horizon but on the following conditions 1. Min. Rental yield is 3.5% 2. Rent appreciates min 8-9% every year and property doubles every 10 years. 3. Down payment = 20% 4. Rate of interest = 8.5% 5. Avg. Return from mutual funds = 12% 5. Last and most importantly, joint home loan is taken by two people who are in 30% income tax bracket to maximise tax deductions.

@doc719

8 ай бұрын

We want calculation bro

@geetabaheti7282

8 ай бұрын

Real estate is a secret wealth creator. The only, problem is that wealth created is in the form of black money.

@hitesh11111

8 ай бұрын

Why u need likes...?

@potbot887

8 ай бұрын

property doubles every 10 years ??? Bhai kuch cities ke kuch areas chhod kr kahin nhi hota esa. Spurts aati h (jese covid, metro line, big projects) usme jisne liya tha usi ka appreciation hota h. I am not supporting Akshat Shrivastav either, but he says the same thing as Mr. Sangwan is saying, buy home with a investor mindset, not emotional mindset. Ye bhi jo fayde bata rhe wo ghar ke returns ka dikha rhe, Akshat also promotes the same thing. It is foolish to buy home at 10%-20% down payment jab aap aadhe se zyada salary dekr emi chuka rhe ho, build some cash, lower your expectations and buy home at at least 35-40% down payment which is net 30% of your income.

@nabajyotigoswamiNalbari

7 ай бұрын

Rate of interest = 8.5% nahi milta hai. Now with high CRR minimum ROI is 10.5%

Real estate is the only way to build wealth! Totally nailed it! I bought my first house in US in 2020 and now have 6 properties, tenants are paying my mortgage and my wealth is increasing rapidly! Reaching financial independence!

@chinmayprakash9252

8 ай бұрын

You work in software field.?? How did you transition from 1 to 6 in just 3 years??

@moirangthemvishalsingh

8 ай бұрын

bhai puchne ke waise koi fayeda nahi hai waha ka ssystem alag hai...jjaake smash ata hai @@chinmayprakash9252

@superrex723

8 ай бұрын

​@@chinmayprakash9252yes i wonder 🤔 too. He must be in a high paying job or have his own business.

@sumeshramachandran6450

8 ай бұрын

Exhi

@rjigota1

8 ай бұрын

@@chinmayprakash9252 yes I do.. just kept buying.. I was working since 2009 but never thought of buying a house and kept good cash.

My PG owner bought property in 2002 worth Rs. 2.75 lakh. Now, he's getting rent 3 lakh monthly.

@abhiyou0tube

8 ай бұрын

2002 was a different time. Now it is different, especially in big cities it is different!

@sonusuresh6642

8 ай бұрын

2002 there was abundance of black money. And everything was dealt in cash.

@srashsrash1

8 ай бұрын

Where is this... definitely not mumbai

@davindersingh851

8 ай бұрын

@@srashsrash1 ludhiana

@sumitlehri5704

8 ай бұрын

Having a plot is different thing..Flats are scam

I am just 19 years old and very glad to have found all your channels at such an early age.

@utkarshsharma8753

8 ай бұрын

I am also 19 and I completely agree with you and am very glad !!

@ashu_1

8 ай бұрын

Same 😌 19

@hemchandrabudhori1738

8 ай бұрын

Job lgte he ghar le lena bhai log😊

@sandeepchaudhary9670

8 ай бұрын

You won't regret

@Deep--835

8 ай бұрын

You are lucky. Learn it and spread 🎉

sir sabse important point jab aap ghar khareedte hai to mental satisfaction kitna zyada rehta hai. usme bhi ghar plot lekar banwao to ahaaa.... sab kuch apne man ka. koi aapko tok nahi sakta koi apko sawal nahi kar sakta... ghar mai kutta palo yaa billi koi shikayat nahi kar sakta padosi..

@shrutimalhotra6548

8 ай бұрын

😂😂😂😂 Kuttaa billi...dekho baaat to shat pratishat sahi hai

@chetanshukla768

18 күн бұрын

Lekin plot buy karne ke baad jo kabze hote hain unse kaise bache? Bahut common hai North India mein toh. Legal procedures etc mein mental health kisi aisi taisi ho jaati hai.

@shantanuchouksey7232

11 күн бұрын

@@chetanshukla768 bhai aise to fir kuch na kar paoge... car mai baitho accident ho rahe.. plane crash ho rahe.. shadi ke baad divorce ho rahe... bacche bade ho kr maa baap ko ghar se nikal rahe

I bought flat at age of 24, loan cleared at 27, in Pune in 2013 at 52 lacs, sold in 2022 at 58 lacs. The flat was on rent since 2016 and since Covid much rent was also not there. Property has got many variables like city, location, areas nearby. Although my area h as great growth and multinational companies coming nearby still returns were not good. I have used all the money from selling of flat into stocks and in last two years have seen 12% growth in stocks value although it is bad market still earnings is more than seen in my property of 9 years. Apart from low returns, maintaining the property was headache, finding tenants used to be headache and selling the property was another big headache. Buy property only you want to live in it!

@anushuks

8 ай бұрын

No one will reply to this fact now. Wasting space doing Guruji, Papa ji but not discussing facts. At least learn from Sangwan ji and argue with facts

@semekd4940

8 ай бұрын

Property prices don't increase linearly. Also, flat prices increase marginally with increase in land prices unless city grows exponentially. Buying flat in Pune a very bad decision.

@harshalv1766

8 ай бұрын

Pune people will only understand this pain.

@nareshagarwal5605

8 ай бұрын

​@@semekd4940 why one shouldn't buy flat in pune?

@semekd4940

8 ай бұрын

@@nareshagarwal5605 Flats give best return in places where cities grow so exponentially that they can only grow vertically. Bangalore is one such example in last 30 years. Pune is not the case and never going to be the case because another big city is already nearby i.e. Mumbai.

Great learning I am 57 years old. You are correct. I start my journey and after 32 years of working made 2-3 property first and for the last 7-8 years doing sip and invtesting in stocks. You view is correct but my thinking and feeling after seeing the market senerio that our childrens are not hard working and they are not even doing the rent collection, building maintenance work of their property, depositing their house tax , water bills on time. So in that view investing in a mutual fund and in etf is good. My suggestion/opinion.

@cooljunky

6 ай бұрын

great insight. Thats so true...property management is a pain in the arsss.

Mazaa aa gaya guruji... Today's lesson: life is a cricket match.

What a coincidence! Today I was arguing with my mom that I don't wanna build my own home as I don't want to bear those huge emi's but sir your wise thoughts just inverted my mind. Thank you so much for opening my eyes 👀❤️❤️❤️

@MINATOYELLOWFLSH2005

2 ай бұрын

Brother, if you had settled in a particular city, I advise you to buy a house even on EMI. That will reduce your overall retirement cost as well, as you don't need to pay rent than. Having a no cost roof over head, ( now as there is solar top schemes for free electricity) is truly a mesmerizing experience to live with.

In 2015 I was paying 12K per month rent for a 2BHK in Hyderabad. It was a new society, so I bought an apartment and started living in it. Obviously, thereafter I never paid attention to the ongoing rents. Last week shockingly I learnt that people were paying 26K per month in the same society for the same size of apartment.

Guruji is king and this proves why experience is important and achi chize sikhane ke liye time lagta hai 30 sec ke reels or shots ne nahi milti❤

Insightful session. I am not against buying flat or plot but just sharing my experience. I had booked flat in noida in year 2013 still awaited.Builder was renowned in during that time.Still paying EMI.Had I invested same amount in SIP it would have grown to more than 1.5crores. Housing is need I agree but buy ready to move-in for end usage. Stamp duty,registration are huge cost. Also real estate is not something which will grow always.please read on Japanese real estate bubble burst in 90s. Nothing is in black and white ,take decision as per your situation.

@cooljunky

6 ай бұрын

True. and there are 20,000 homebuyers in Noida going through the same since 2013. Even thousands in Ggn had their money stuck for the past 9 years as the property market was all bearish. But hardly anyone comes forward. Glad to know you chose to share. Kudos! ✌️

I bought Villa and in 6 months 50L appreciated. I built a building with 6 flats @1.5L rent per month, but I knew return will be less compare to what I invested but it’s fine & went for it as financial security for family where they don’t have worry if I am not around and rental adjust with inflation.

What crap man. Why say 2% Expense ratio? There are MFs / ETFs with ERs lesser than 0.2%. Also, when you buy properties, the yearly maintenance & property tax etc is same as expense ratio of MF. Useless example. You are also cherry picking numbers and without telling infos like ER = property tax/maintenance fees etc.

@MINATOYELLOWFLSH2005

2 ай бұрын

Which MF have 0.2% charges? Bhai mujhe bhi bta de.

Sirji. You are always the number one clarity giver. 🙏🙏🙏 Awesome video again, about sharing the insights. It has helped me a lot in many ways. Yes, definitely we need the prediction video for the next 1.5 - 2 years for real estate domain. Keep rocking !! 🕺 🕺 🕺. 🎉🎉

You are like an eye opener for me. I don't know how I came across this video. I hv unsubscribed all the KZread channels. You hv given me a different prism of looking at life. Practical and blunt!❤

Sir your channel giving more clarity.।। Thanks a lot sir.।

sir ye bilkul sai baat boli, jaldi ghar leke, jaldi loan khatam kiya, ab apne terms pe kam ho paisa ho to hi company me rukta hu, nahi to change, boss ya company cannot do anything, open market he.

Zabardastttttt Mazzaaaaa Aa Gayaaaaa, Guru Ji! 🔥💫🔥

Eye opening discussion, like a Guardian 🙏🙏 very good.

The way you explain about real estate and Mutual Funds is really awesome. How to play on the leverage being offered by the banks

Real Estate, Pure Gold and Silver are best way to invest. But the problem with real estate is that when it goes in dispute it becomes zero. Anyway it is personal decision of people. Better they should learn from their experiences. But bragging about yourself is the worst thing one person can have and it is also your habit. The best way is to have balanced portfolio, Real estate, Pure gold, silver etc. That is the best wisdom.

In 70s my grandfather purchased a shop as I remember For INR 2000 and now giving rentals for around 23000 p.m. , clearly indicates the astonishing returns of original investment but if we consider yield, the equation is same, but bechna hee kyon hai, go to hell with the yield and market value.

Great Video. Couldn't agree more as I purchased home 3 months ago.

Buying a flat does not even beat inflation. Appreciation is less than 7-8% but in MF you can expect at least 10%. I am not saying one should not buy a house but only when they have 70%+ house value so minimum loan and no corporate slavery. You said one will work honestly if he is having a home loan is illogical. Sometime covid like situation can occur and PPL may lose their jobs. Will the bank wait for EMi till the person gets a job.

@ziyadansari961

Ай бұрын

The total return on a property is both the appreciation and rental return, which you've missed.

Real estate investment is the mother of all investment, people earn from any industry and invest in real estate.

My friend buy flat with 38k emi per month. Same building i have got same kind flat with 10k rent.😂😂😂 I m investing remaining amount in midcap and small cap. If u invest such amount in property u must get land also. Buying flat in building is waste. Till the time loan finished, flat become old and useless. Next year i m looking to buy farm land at native.

Very Truly said 🙏🙏

Real estate cartel pays huge commission to promote their highy overpriced products .....China is an example where real estate boomed and people lost their investment in real estate

If you have liquid cash or black money buy... Taking loan and buying its a liability

Taauji you really nailed it, to the point explanation 🙂

You're the number one clarity giver for sure...Please make more videos for the guiding us and the youth of this country for make a life for themselves.

Pranam Guruji..I was desperately waiting for clarity on this topic from your side !

Sir you are a blessing for youth, thank you for your advice always on point.. God bless you 🙏🙏👍

Yes, need video on how to buy 4 properties in 20 years

The comparison is good but i request you to include maintenance charges of the flat, although it may be a minor consideration.

I agree. I am around 40. Live in Navi Mumbai. We had finished our home loan just before covid and started spending that amount saved per month after that unnecessarily. So, we decided to invest half of that amount in SIP and remaining for a smaller flat nearby. Its underconstruction Mivan construction by a reputed builder. We bought that for our 12 yr old son, so that when he starts his family he can be independent and yet we will be there close by of he or his wife needs help.

@BrownByTasteProudByChoice

7 ай бұрын

And do you know what career he would pursue, which city he would work in and want to settle?

@silviarodrigues3304

7 ай бұрын

@@BrownByTasteProudByChoice doesn't matter. He can put this house on rent and pay the rent in another city. We have done our part.

@BrownByTasteProudByChoice

7 ай бұрын

Thanks, that just helps to understand if it was a financial decision or emotional one.

@gloomyend1232

6 ай бұрын

​@@BrownByTasteProudByChoice Definitely a good decision

Thank you Sir ..your every videos are eye opening with all new information..

Sir you are always right 👍,i am a subscriber of your all 3 channels, you are so true and wise, शत् शत् नमन आपको 🙏🏆🎉🎊

Thanks Guruji ! Apke Videos ko samjh kr me and my wife hav purchased a 2bhk 8 months back , today it's rental yield is 3-4%

@Brijkishore007

8 ай бұрын

Where did you purchase

Thanks Guruji... MAG.... Waiting for the next shot from you :)

We need it sir❤🎉

You should watch vivek Singhal rent vs Buy. It will be a very interesting thing to hear your take

Wonderful advise sir👏👏👏Jabardast answer to all

I totally agree with you.

I totally agree. I bought a flat in 2014 for 19 L and then a duplex 4 bhk villa in 2022 for 53 lakhs. I currently stay in that Villa. I pay around 33k EMI for my villa. But if I ever have to rent this villa out, I will easily get around 37-38k rent for both floors (2bhk each) due to the two universities which are within a 4-5 km radius. I am saying this after seeing the same villas which are given for rent in our society. So, almost 8-9% rental yield. Currently, the price in this area is around 65-70 L for the same villa (Almost 20-25% appreciation in 2 years). But that flat that I bought still has the same value. So, not all properties will appreciate. Need to be careful while buying. ANd yes, when you buy a house on EMI, you get serious about your job and will try harder to increase your income. If everything goes well, I will be able to pre-pay most of my loan (almost 80%) in the next 4 years as few of my early investments will mature at that time (PPF).

Guru ji ko प्रणाम

What a Clarity on this burning Topic ❤

Sir you are giving right and practical advice in free. I got my first at 25. age GZB LIG. Second at 40 Delhi 2 bhk builder. Third MIG Mohali society at 45 it’s possible in JOB. saving 25 tho. Rental Living in own house and 20 as rental income and income tax saving 5 tho per month on H loan. Never invested in Stock . 🙏🙏

Loved the video sir Awaiting for the predictions

Very nice Sir wonderful explanations and Eye opener for young and even older people, very practical approach

Guru ji...I follow Akshat and Ankur...I was very impressed by them but somehow I had a feeling that they don't give the complete picture...after watching your video I can see the Complete picture of the real estate..Thank you and keep posting more on real estate

Ye aadmi ye nhi samjh paa rha ki... Ek stocks me aap bhot jyada lose nhi krte... Lekin ek property galat nikalne me... Jindagi ki saari kamai nikal jaati h... This man won't stand for a second in a debate if confronted. Here apna KZread channel h to koi dikkat nhi 😂

Property usi jagah buy kro jaha regular sabhal sako. Ye bhi to batao. Bina sar sambhal ke property ka kya hota hai.

Guru ji.. apna portfolio diversify karna padta ha.. property ke baad.. equity investment bhi karni padti ha.. 10 Lac ki need ho toh ratoon raat share bech saktey hain.. par property araam se nahi bikti... loan voan ke chakkar mei ham naa padtey.. Baaki jo property ma fasey bathey ha wey stock ma hi invest kara hain.. JP ka Yamuna expressway ka project 10 saal ho gaye khun pee rha ha kayiyan ka.. Aapki baat apni jaga saahi ha....jiski kismat jit chaal ja ha..usnay wo hi bhadiya laggya kara...Raam Raam ...

Sir no flat has a lifespan of 150 years. And I have a counter argument, you are not considering the interest lost on the initial deposit amount over the years. Considering most people pay 15-20 percent of the property, and considering CAGR, that amount will offset quite a bit of the ongoing rent itself. Taking huge loans at 6 percent or more is a bad decision. Another big assumption you made is that prices in next 30 years will go up same how they grew in past 30 years. That’s a dubious argument as wages are not going to go up as much l. Long story short, buying makes sense when home loan interest rates are lower than expected annual appreciation in the property. Otherwise, keep renting …. And rent cheap !

Sir thank you and namaste I am in job and your videos really helps us give multi dimensional perspective. And sir i assure you some very smart and hardworking youth is watching you and wants to say thanks.

Thks sir u gave a lot of clarity to me

Should be buy ready to move in property or property which is under construction?

Very true Sir.

Bilkul sahi bat kahi sir apne aj un logo ko jawab mil gya jo mujhe mere decision ke liye criticise krre the .

Sir, fractional investment pe bhi ek video bana dijiye. Kya fractional investment karna sahi hai

Hello sir, 1 video ispe bnao ki hmko registry flat ki kb tk kra leni chaiye turant krani chaiye ya 8-10 saal ruk skte h jisme hm long time rhenge

Taking name of these financial influencers is bold step and shows that truth wins the false.

Perfect n bahot archa bataya hai, v gud

Absolutely correct.. I have followed most of the points that. You have discussed

I have been working for 1 year and have accumulated 15 lakh in savings and the stock market. Will buy a home in gurgaon like places for rental gain when I reach 40-50lakh

Thank you😊

When people at office know u have a home loan, Oh manager will squeeze every last drop of blood from u

Yes.. Plz make video on multiple property how to buy

Amazing eye opener content

बहुत ही बढ़िया गुरु जी,👍

I love the video. And I have the same mind set as you sir. I have bought a property in dwarka last year getting rent out of that and at the same time I am living on rent but in cheaper flat till my marriage. Got that aura in my family and inlaws al the respect support financial stability coming on its. The bad thing about your video is you leading customers to the hidden product

Excellent presentation.

Amazing Guruji !! Real estate kyu lena chahiye is baat par aapne aankhen khol di !! ❤

Eye opening for Investors.....Thanks Sir for your inspiration videos

Muu thod jawab video to all SIP Karo and Ghar vs SIP excel youtubers... Hats off to ur wisdom sir..😊.

I live in outskirts of ghaziabad near to rrts metro project property in my area locality shoot from 15 k to 40 -45k sq yard within 1 year

Very nice video n information shared is also very valuable, thanks

We need it, Next Predict kar do. Aur Cash Flow positive property ka webinar jaldi lao.

Guruji ekdam correct Zerodha k owners kaa paisa real estate, FD and index funds mein hi laga hua hain.

Sir pls make video on how to make 4-5 properties within time span on 20 years.

Buying a flat is never a good decision. Specially in India. It's like buying a car. after 30 years no body will buy the old flats . And 500 flat owners will never come to a settlement to re develop it . Today's youth are earning lot of money and the builder nexus want to loot it . Don't waste your hard earned money to feed these goons . Even you should stay away from stocks and mutual funds those are manipulated when it will crash you don't know. Only keep your hard earned money in govt schemes or renowned banks. Don't gamble with it. Even if you want to buy a flat buy resale you will save quite good amount of money.

@AkashAhujaSAP

4 ай бұрын

inhe chijo se inka ghar chal rha h@@universe_105 , ghar ho ek ho jyada na ho

Great video Guruji. Need a video on the people who is in 35-40 age and planning to buy a home. As we can't go back in 20's and buy a home in Pune City for own living 😊. Please give your expert advice on how we can plan this? Which all things need to take care as responsibilities are more now, kids, education and everything has to go parallel.

@abhiyou0tube

8 ай бұрын

I bought flat at age of 24, loan cleared at 27, in Pune in 2013 at 52 lacs, sold in 2022 at 58 lacs. The flat was on rent and since Covid much rent was also not there. Property has got many variables like city, location, areas nearby. I have used all the money from selling of flat into stocks and in last two years have seen 12% growth in stocks value although it is bad market still earnings is more than seen in my property of 9 years. Apart from low returns, maintaining the property was headache and selling the property was another big headache. Buy property only you want to live in it!

@kidsworld1730

8 ай бұрын

@@abhiyou0tube great 👍. Looking for own living only in Pune City

@prashantpatil9691

7 ай бұрын

​@@kidsworld1730Hi what kind of property are you looking to buy? I have a 1 BHK flat to sell in Dighi area. If you I can also help inproprtynselection in Pune based on my experience from 2009.

@kidsworld1730

7 ай бұрын

@@prashantpatil9691 Hi.. looking for 2bhk.. Majorly in Vishal nagar or some nearby areas.

Very well said and rightly countered. One more point on top is that one feels their own house and create memories there. Who would want to create memories in a rental house

@pihubole

Ай бұрын

Yes, the house is where your all memories with your partner, your kids are. Most of our camera clicks and videos are in our house only. I wouldn't want any of those memories to be in someone else's house.

Pls advise if I already have one home on emi ,can I take another home on loan and give it for rent as in Bangalore rents r quite high. Very confused ,pls make video on this

Very Knowledgeable Video Sir Ji 👌🙏

गुरुजी आपने बिल्कुल सही बोला है लोग परेशान हैं इस बात से लोगो के पास घर नही है

Please make a video about how to make 4-5 properties

Your are great GURUJI 🙏

20 saal me 4-5 properties kaise kharide, starting from age 25-30 ?

बहुत सही बताया है, बड़े भाई साहब ।मजा आ गया है। 🙏🙏🌹🌹

sir my family is in lucknow with 2 houses should i go for a new in cities like delhi gurgaon banglore or else shall i stay here only and do my job

Excellent experience

Thanks Sir 🙏

amazing sir, thank you

Guruji I never share your videos. Because I don't want to create competition in a clearity

Excellent