@@Stock15 maine recently loan liya hain SBI se. Property against pe jo loan hain wo mandatory hai aur mera naam pe jo insurance hain, agar mujhe kuch ho gaya to us time pe ye insurance kaam pe ayega. Ye life insurance optional hain. Mujhe bola tha aur maine dono insurance hi liya hain
You can be sued for giving false information. There is no fixed rate. It's MCLR vs RLLR. MCLR is based on 1yr, 2yr or 3yr MCLR and fixed for that duration only which changes with time.
SBI rate you showed wich was linked yo 4.90 repo rate while BOB rate you showed was current repo rate which was 5.4% that is the reason it shows SBI offering better rate but now SBI also got linked with current Repo rate of 5.4 and now minimum rate is 8.05 while for BOB 7.90. please correct your details
@quantbooster3584 I recently got a home loan from Bank of Baroda, they told me no Processing fee but after disbursement they charged me 11800 as upfront fee Property insurance Not only this now they are telling me to deposit 8000 extra for acquiring legal document of sale deed etc...even after I have submitted the original Sale deed I am so upset with this behaviour of Bank of Baroda...
Koi bolta hai Life insurance lena mandatory hai aur koi bolta hai property insurance mandatory hai. As far as I remember maine bhi property insurance lia in 2018. Bcos bank nai bola its mandatory hai. Mera SBI maxgain loan hai. SBI mujhe SBI life lene ko bola tha but mai saaf mana kardiya. So pls clarify else new buyers will be confused
Hi, i currently have a SBI home loan and my current interest rate is 8.65% (interest rate has increased more than 1% in the past few months) and my CIBIL is more than 800. I feel my interest rate is high, should i transfer from SbI to another bank ? Kindly advise
If you have strong income and you are taking loan of 40-50-60% of property value you will not face that much problems getting home loan eventhough your cibil score is down.
Hello Sir If i want to purchase land to construct the house so can bank will provide loan for land purchase and home construction both? any prerequisite are there ?
sir bob m 2lac prepayment kiya home loan m,,1st emi 19495 diya tha 2nd emi aaney se pehle 2 lac dey diya online principal payment kiya, magar tenure bhi nahi ghata naa emi abhi tak, bank ko phn karta huu to boltey h akhir ka dus kist ley liya aapsey
@@rushikeshgodase4150 yes from 2 years mera home loan chal raha h aisa sab kuch thik h but government bank bahut alsi hotey h....bina complain koi kam nahi kartey ,,,,private bank fast bahut hota h magar chuna bhi bahut lagata h or government bank fast nahi hota magar chuna nahi lagata
I have taken SBI Term home loan of 42L with 30 years tenure. after 3 years I have converted it to Max gain . but while conversion they have extended my tenure to 32.5 years. now I want to reduce my tenure to 22 years. I have visited the RACPC for the same but they are saying that they can not reduce the tenure they will max reduce to sanctioned years 30 - 3 = 27 years. Cant we reduce the tenure of our max gain account? Also they have asked to pay 20% of loan amount to reduce the tenure
If I want to alter completely the existing floor structure of my house and also want to add an extra floor. Under which type of home loan this case is falling into?
2020 june mai apply kiya tha PMAY , 2YEARS above hogaya emi pay karte karte Lekin PMAY ka subsidy kuch nahi aya avi tak,SBI bank sirf wait karne ke liye bol rahe hai. abb baki app khud samajh jao
Agar may avi koi home loan leta hu to Pradhan manti avas yojna ka fayda milega? Aur may agar 20lc ka home loan leta hu to mujhe kitna toup lone milega 1 sal bad?
Ek question hai ki agar koi product ko CC EMI pe lete hein to kya uski entry credit bureaus pe hoti hai? Agar kisi ne kuch EMI pe liya hai to wo bhi mujhe bta sakta hai. Thank you.😃
Thank you! What if the bank gets bankrupt after few years of taking the loan? As we see rising casea of bankruptcy in USA and if that also happens in India? What happens in such case?
Dear, can u suggest me please about home loan for reconstruction of house available in my village. This is my father's house and I want to reconstruct it. So kindly advice please of better opinion?
What I do, my hdb,snapmint, idfc emi bounced and pending but when I deposit payment in my account some of amount deducted by bank every day Sir, please recommend"" which is the best way to my all nbfc emi's combine in one place"" plz
Sir ap home loans ka upar video bata vo bhut acha h vo samj m agi par sir plot hamare h ar ghar banvan k liy kis liya jata h usk liy loan ki video bano
Its advisable to visit bank for correct info, do not believe and get trapped in agents videos who will spread biased info depending on their commission 😅
Sir,. I have 5L, is it to better to earn FD interest of that amnt OR better to deposit in maxgain to save home loan interest on 5L. Which is a better option ?
FD Interest ranges normally between 6-7% whereas Home Loan Rates are higher. It is currently in a range of 8.40 to 10.50 %. Hence it is advisable to deposit your money in OD account as compared to Fixed Deposits because you will save more.
Another wrong information it's not life insurance but loan coverage. Life insurance is something u have to give yearly. Loan coverage is something u have to pay just once and loan is secured for 20 years. But u have to pay just once
Aapke samjhane ka tarika bhut hi jabardast hai
9:45 NoC. That was really helpful for me.
Thanku soo much .
Regards
जानकारी देने के लिए बहुत-बहुत धन्यवाद
Just small correction, life insurance is not mandatory. It is optional. Only insurance against property is mandatory
Term plan or group credit life insurance is compulsory
@ankit Jain it’s not
True firoz 👍
Froz bhai vo life insurance hi hota he term insurance n ko insurance against property.
@@Stock15 maine recently loan liya hain SBI se. Property against pe jo loan hain wo mandatory hai aur mera naam pe jo insurance hain, agar mujhe kuch ho gaya to us time pe ye insurance kaam pe ayega. Ye life insurance optional hain. Mujhe bola tha aur maine dono insurance hi liya hain
well explanation... but bob rate of interest is cheaper than sbi...
You can be sued for giving false information. There is no fixed rate. It's MCLR vs RLLR. MCLR is based on 1yr, 2yr or 3yr MCLR and fixed for that duration only which changes with time.
He can be sued for using fedral bank's logo for US Fed hahaha
Correct 👍
Nice bro your way of explaining is so nice 🤠🙂
Sir sbi और hdfc होम लोन में कौन सा बेस्ट है। pls compare करके बताईये🛑🛑🛑🙏🙏🙏🙏🙏
Such an informative content, Thanks🙏
Kya future me floating ko fix rate of interest Karva sakte he?
SBI rate you showed wich was linked yo 4.90 repo rate while BOB rate you showed was current repo rate which was 5.4% that is the reason it shows SBI offering better rate but now SBI also got linked with current Repo rate of 5.4 and now minimum rate is 8.05 while for BOB 7.90. please correct your details
True only Bank of India offering better rate now 7.80%
Repo rate is 5.90%
repo rate is 5.40
No Clickbaits Only Pure Knowledge
Thank you 😊
Thanku soo much.
Regards
@@XYAxisEducation baki reply bhi karde bhai
:-Dear sir you have given a such a valuable information to us ,good knowledge sharing, you are fabulous please keep sharing this type of knowledge.
Processing fees is 0.35 percent but max is 11800/- in case of Home loan , life insurance is not mandatory but property insurance is mandatory.
Sir life insurance is mandatory. You have to pay a single premium that too amount is lended by bank
@@AbrarKhan-fb7hr no life insurance is not mandatory but property insurance is
How to calculate property insurance
@quantbooster3584
I recently got a home loan from Bank of Baroda, they told me no Processing fee but after disbursement they charged me
11800 as upfront fee
Property insurance
Not only this now they are telling me to deposit 8000 extra for acquiring legal document of sale deed etc...even after I have submitted the original Sale deed
I am so upset with this behaviour of Bank of Baroda...
Thank you Sirji Very Great helpful Information
Nice information for the home loans thanks🙏
Sir home loan amount pe approx insurance kitna count krte h baroda me. Aur aapke vedio bahut informative hote hai... Plzz bataiye sir
Pre-payment is nil in case of all kind of home loans of sbi and women borrower gets .05% concession in every home loan
Koi bolta hai Life insurance lena mandatory hai aur koi bolta hai property insurance mandatory hai. As far as I remember maine bhi property insurance lia in 2018. Bcos bank nai bola its mandatory hai. Mera SBI maxgain loan hai. SBI mujhe SBI life lene ko bola tha but mai saaf mana kardiya. So pls clarify else new buyers will be confused
Hi, i currently have a SBI home loan and my current interest rate is 8.65% (interest rate has increased more than 1% in the past few months) and my CIBIL is more than 800.
I feel my interest rate is high, should i transfer from SbI to another bank ? Kindly advise
Yaa as Right now Many banks are offering less Many private banks
Yes but during takeover you have to pay following charges valuation and advocate charges, insurance charges and stamp charges. Calculate yourself
Apply in bank of india.. I have just transferred 2 days back, I got 7.8% interest rate
Valuation charges and advocate charges and stamp charges 10k k under hojayega.. baaki aur koi charges nahi lagega
Sbi HL linked to repo rate if it increase den rate if interest also vice Versa
Better stay with sbi
They are transparent in tnc
बहुत बढिया जानकारी
what if i have other company Term insurance , still i have to buy that loan insurance (life insurance) ?
Sir, please recommend"" which is the best way to my all nbfc emi's combine in one place"" plz
Online Voter Card kaise banayen, is subject par bhi ek video hona chahiye 🤔
Knowledgeable video on home loan 🔥
Nowadays most of Bank offer floating rate only .
please compare for HDFC, ICICI and Kotak bank.. good video
Sure .
Thanku soo much.
Regards
Nice इनफार्मेशन sir
Thanku soo much.
Regards
Sir PMAY subsidy aane ke bad home loan close karne ke liye kya condition hongi
Bhai thanks for giving such a clear information
You did not cover Max gain vs Baroda advantage..for loan more than 75 lakhs
Also for women coapplicant is the rate 0.5% less or 0.05%?
0.05
Sir ji mera IDBI me home loan chalu hai mujhe transfer ke sath top up bhi lena hai esi konsi bank hai jo home loan ke rates me top up deti ho
BOB PLOT LOAN mi home construction karna jaruri hai kya
Agar 3 year bad complete payment kar to bhi commercial rate lagega kya
Is it good to go for a joint home loan if the life partners CIBIL score is bad
If you have strong income and you are taking loan of 40-50-60% of property value you will not face that much problems getting home loan eventhough your cibil score is down.
Home loan manual bhare ki ECS activate agar Ecs activate nahi Kiya to kya hoga kya hise cibil score kharab hoga
Loan pura chukane ke baad bob mortgage remove karne ka koi charge leta hai ya free me hota hai
Very nice knowledge
Bhai SBI mee home renovation loan mil jayega government employees ko aur kitne intrest par milaga please reply 🙏🙏
Very nice information sir
Hello Sir If i want to purchase land to construct the house so can bank will provide loan for land purchase and home construction both? any prerequisite are there ?
Yes Bank will provide you
sir bob m 2lac prepayment kiya home loan m,,1st emi 19495 diya tha 2nd emi aaney se pehle 2 lac dey diya online principal payment kiya, magar tenure bhi nahi ghata naa emi abhi tak, bank ko phn karta huu to boltey h akhir ka dus kist ley liya aapsey
You can file a case against them
@@nishantagrawal6699 sir prepayment in home loan bank of baroda ka video banaoo bahut confussion bank bahut ulja raha h sab clear karo sir
@@siddharthdaga5400 BOB se home loan lena chahiye kya???
@@rushikeshgodase4150 yes from 2 years mera home loan chal raha h aisa sab kuch thik h but government bank bahut alsi hotey h....bina complain koi kam nahi kartey ,,,,private bank fast bahut hota h magar chuna bhi bahut lagata h or government bank fast nahi hota magar chuna nahi lagata
Can you make a detailed video on various abroad education loans provided by govt and private banks of India?
For education loan and home loans government and psu banks are better
If I already have term plan then can bank force me to buy insurance plan ???
They will force you forsure because they need to cross sell . But you can be strict .
Regards
@@XYAxisEducation ok
I have taken SBI Term home loan of 42L with 30 years tenure. after 3 years I have converted it to Max gain . but while conversion they have extended my tenure to 32.5 years. now I want to reduce my tenure to 22 years. I have visited the RACPC for the same but they are saying that they can not reduce the tenure they will max reduce to sanctioned years 30 - 3 = 27 years.
Cant we reduce the tenure of our max gain account?
Also they have asked to pay 20% of loan amount to reduce the tenure
If I want to alter completely the existing floor structure of my house and also want to add an extra floor. Under which type of home loan this case is falling into?
Home improvement/ addon loan
@@moviespace2699 Thanks for reply
@@wonderfulshorts2251 Thanks for reply
Hi sir
Personal loan ka emi
Home loan ka emi ka pura calculation ka kya step hai aur isme hidden charge kaise calculate hota hai
PMAY abhi chal rahi hai kya salary personal ke liye aaj apply karu to subsidy milegi?
2020 june mai apply kiya tha PMAY , 2YEARS above hogaya emi pay karte karte Lekin PMAY ka subsidy kuch nahi aya avi tak,SBI bank sirf wait karne ke liye bol rahe hai. abb baki app khud samajh jao
@@abdulbabu4969 2021 aug main loan liya tha lic se March 2022 main pmay aa gyi thi
@@grameenankur5945 loan amount kitna tha, and PMAY kitna aya ?
Agar may avi koi home loan leta hu to Pradhan manti avas yojna ka fayda milega? Aur may agar 20lc ka home loan leta hu to mujhe kitna toup lone milega 1 sal bad?
Which is best bank to take Home loan???
Sir special Bank of Baroda ka home loan ka video detail me banaiye
Sir ji,
Home loan mein fixed rate of interest nhi hota , Fixed sirf 2 year maximum hota hai please guide correctly
Thanks alot for the information
Ek question hai ki agar koi product ko CC EMI pe lete hein to kya uski entry credit bureaus pe hoti hai? Agar kisi ne kuch EMI pe liya hai to wo bhi mujhe bta sakta hai.
Thank you.😃
Yes bro bilkul jati hai..wo tumhare credit card utilisation ratio badega bas
mere ko SBI 9.6% par home loan de rha hai, kya karoo? itna mahnga kyo charge kar rha hai?
BOB AND SBI me home loan reducing method hota hai ya plat????
Always reducing
Sir hame best current account k bare bataye esh par ak video bhee banayo please
Default ka paisa to flat jo mortgage par hai usse recover ho jayega in most cases
Sir aapka CIBIL score kitna hai please answer
Very helpful
Thanku soo much.
Regards
Sbi home loan me subsidy deta he kya
Thank you! What if the bank gets bankrupt after few years of taking the loan? As we see rising casea of bankruptcy in USA and if that also happens in India? What happens in such case?
RBI will bail them out by printing new money and handing existing customers to a bigger bank.
That's pretty much what the Fed did.
RBI will bail them out by printing new money and handing existing customers to a bigger bank.
That's pretty much what the Fed did.
Kya home loan and housing loan alag alag hai???
super analysis,
Thanku soo much .
Regards
Bro make a video on education loan and which bank is best???
Sure brother.
Regards
Das saal ka intrest kitna hoga
Dear, can u suggest me please about home loan for reconstruction of house available in my village. This is my father's house and I want to reconstruct it. So kindly advice please of better opinion?
Very informative
Thank you sir 🙏
I am a retired person, may i get home loan? I am a Pensioner of govt job.
Is that available advantage home loan in sbi
Respected sir stamp bank nhi banwata wo applicant banwata hai and usko ATS agreement to sell kahte hain
What I do, my hdb,snapmint, idfc emi bounced and pending but when I deposit payment in my account some of amount deducted by bank every day Sir, please recommend"" which is the best way to my all nbfc emi's combine in one place"" plz
Nicely explained. Well done. Thanks
Which is better canara bank or SBI for home loan
Sbi
@@mohitkapoor5224canara or bank of baroda which is best for home loan
Canara or bank of baroda which best for home loan@mohitkapoor5224
SBI aur HDFC Ka difference video banao sir
Sir ap home loans ka upar video bata vo bhut acha h vo samj m agi par sir plot hamare h ar ghar banvan k liy kis liya jata h usk liy loan ki video bano
Now all the bank have moved to existing benchmark rate
Its advisable to visit bank for correct info, do not believe and get trapped in agents videos who will spread biased info depending on their commission 😅
Ghar banane ke liye home loan milta he ya nehi
Bhai dekh idhar :
1. SBI ka Fixed ROI - 8.5% to 9% & Floating ROI - 11.25%
2.
Sir bast minor account Kon sa hai
Its a wrong information given by him. No processing fees have been charged by SBI. No prepayment charged even if you do it in 1 st month of payment.
Good information sir
Thank you
30 lakh k hisab say month m kitna emi jayega
Nice information 👍
Plz tell us about idfc future saving account....
Sir,. I have 5L, is it to better to earn FD interest of that amnt OR better to deposit in maxgain to save home loan interest on 5L.
Which is a better option ?
FD Interest ranges normally between 6-7% whereas Home Loan Rates are higher. It is currently in a range of 8.40 to 10.50 %. Hence it is advisable to deposit your money in OD account as compared to Fixed Deposits because you will save more.
जॉब वाले को और गव्हर्मेंट जॉब वाले को तो कोंसी भी बँक लोन दे सकती है लेकिन आप फार्मर के लिए कुछ व्हिडिओ बनाओ/होम लोन
Aagr mai adv. Baroda home lone mai sare pesa(100% of lone) saving account mai rakhu to muje koi interest nai dena pade ga?
Yes correct
@@sachink4888 means interest free loan
@@LolLoloilol lol no
@@budgettrips2485 😂😂
Bhae construction load ke bare me btao bhae
SBI rate of interest increased 8.05%
Bank of Baroda Rate of interest Cheaper hai
From SBI employee
Please compare car loan between pnb and sbi.
If I am planning to foreclose a loan after 3 years, what is your advice?
Don't do
Don't close the loan. invest that amount in good equity
@@AbrarKhan-fb7hr like?
Now I am 27 year ,what my insurance premium
जो बंधन न्यू हाउसिंग लेना चाहता हूं और साथ में न्यू बिजनेस करना उसके लिए न्यू लोन कैसे
Very clear
❤️
Good information
Another wrong information it's not life insurance but loan coverage.
Life insurance is something u have to give yearly.
Loan coverage is something u have to pay just once and loan is secured for 20 years. But u have to pay just once
Sir mujhe kohi bank home loan nahi diya mere salary 15k hai
Please batao kaise milega loan