Wondering what will be the EMI of your next dream home? Find out here with Finology's EMI Calculator. finology.in/Calculators/Invest/EMI-Calculator.aspx
Mai LIG me hu aur 2000 sqft ka ghar banwana hai .. so pmay benefits mil sakte hai kya? Maine dekha tha ki pmay me har category ke liye construction area fixed hai
I have been closely watching your videos. However, I felt for this video, legal aspects associated with Home loans should have been covered. Also, there could be a suggestion put forth for viewers to go look out for approved projects of banks who want to reduce the paper work process. NBFC often compromise on legal aspects. I don't really endorse the online concept for Home Loans. When DHFL shut down their offices, can you relate how much trouble the borrowers had to face to takeover their loans to other banks. Physical visits are important and it makes the customer more aware of the entire process. Also, one suggestion is that people can look forth to buying residential properties which are auctioned by banks. This is in no way to demean your video. But of all the videos that I have watched till date in this channel, this video i felt could have been better and endorsement of PNB housing finance didnt really feel like a long term achi wali advice.
@@pranjalkamra Sir agar koi 2nd house lena cahta h & apne 1st house ke papers ko mortgage rkhta h bank mai, 20-25 lakh ke loan lene ke liye. Toh iska kya emi hoga, paisa nhi de paya toh 1st house bank le lega fir vi hume paise pay krne hote h. Iske baare m ek video bana skte ho aap, mujhe janna hai sir..
I guess part 2 : for second home buyers needed , should we by buy second home or invest that money in somewhere else. Nice work and you really Made my life and investment simple, but if we can get your some courses in little bit affordable price will be more than happy to join Finology family.
Eligibility : 25% of net salary seems to be not practical. It could be somewhere between 45-55% of net salary. Interest Rate : Fixed is costly as right said hence should go for floating that too Repo rate link so that it align with RBI Repo rate effect. Tenure : Tenure of loan should be taken at maximum available as floating rate is always comes with NIL pre-payment hence can be repaid / partly paid anytime when one has money in hand.
try "MY MONEY UNIVERSE" youtube channel . they even show their full stock portfolio and all buying/selling in it openly. all free youtube videos. might help you!
Never take PNB housing finance loan! They never change intrest rate in floating rate as per RBI norms! And customer service is so lame and hidden charges are more than GST!
@SHUBHAM SHARMA mene LIC HFL se liya pta nhi mera kya hoga ... NBFC. H bad me pta chala 😭😭😭 Or pmay subsidy b 50000 kam aai h Koi chance h ki ye amount b aayega 🙄
Sir please keep making this types of videos... you are only one on youtube who make this type of videos with this much accuracy and all points covered!!!!!!!
Please also create video on car loan.... buying car is one of the closest topic to heart for middle class people... And thanks a lot for such awesome videos ❤️
I recently started watching your videos and I am really loving your videos and your way explaining things.....Its really motivating us to plan our future in a better way and also giving us confidence that we can do so....
@pankaj kamra, PNB housing finance is the slowest in transferring reduced ROI and also they always had higher ROI as per market. Though I understand they are the sponser for this video 😉
Bro , you are such a gifted individual .. the way u provide financial knowledge would change the perspective of thousands of people/families.. Thanks again for all the guidance 🙏
Bhai apne kaha instalment 25% honi chahiye. Par agar salary 1lakh ho to ghar ke kharche kaat ke 50% se instalment pay kar sakta hai. Dusra home loan insurance ki jagah term insurance zyada acha hai. Home loan ke liye sbi sabse acha bank hai. Interest rate bhi kam hai. Anyways jaankari achi hai. Thanks.
Home loan insurance lena hi thik he. Costly bhi nahi he. It will be 1% of your loan. Ex: 30L loan ka insurance 30k hoga. Term insurance acha he but home insurance different he..kal kuch hojaye tho home loan pay karne ki zarurat nahi hoga agar home insurance he tho.
@@munishsharma2492 in my view, paying 30k ( not yearly..just one time payment ) for 30L as insurance is a good deal. I won't compare it with term insurance.
Nicely explained sir...kindly make videos on pure critical illness insurance and give some comparision of different insurance company regarding this plan.Thanks in advance.
thank u sir.... i really like your way of presenting any topic. can u please a video on how to start from minimum investment to nice profit strategy. pls share some of your strategies for zero to hero... thank u again.
Hello Sir, Isn't it better to take term insurance instead of Home loan insurance? In-home insurance sum insured keeps on decreasing, but in term insurance it remains fixed, and if anything happens say after 4-5 years then after paying the home loan amount fully remaining amount of term insurance will go to the family.
Wondering what will be the EMI of your next dream home?
Find out here with Finology's EMI Calculator.
finology.in/Calculators/Invest/EMI-Calculator.aspx
please make video on home loan from private bank vs national bank
Mai LIG me hu aur 2000 sqft ka ghar banwana hai .. so pmay benefits mil sakte hai kya?
Maine dekha tha ki pmay me har category ke liye construction area fixed hai
Sir I want to talk to u please will u provide me Ur insta id
@@Abhishekjain-hp7vp
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I have been closely watching your videos. However, I felt for this video, legal aspects associated with Home loans should have been covered. Also, there could be a suggestion put forth for viewers to go look out for approved projects of banks who want to reduce the paper work process. NBFC often compromise on legal aspects. I don't really endorse the online concept for Home Loans. When DHFL shut down their offices, can you relate how much trouble the borrowers had to face to takeover their loans to other banks. Physical visits are important and it makes the customer more aware of the entire process. Also, one suggestion is that people can look forth to buying residential properties which are auctioned by banks.
This is in no way to demean your video. But of all the videos that I have watched till date in this channel, this video i felt could have been better and endorsement of PNB housing finance didnt really feel like a long term achi wali advice.
Love you sir you will change hundreds of family my giving right financial knowledge a big thank you pranjal sir 😍😍😘😘
You are most welcome!
@@pranjalkamra Sir agar koi 2nd house lena cahta h & apne 1st house ke papers ko mortgage rkhta h bank mai, 20-25 lakh ke loan lene ke liye.
Toh iska kya emi hoga, paisa nhi de paya toh 1st house bank le lega fir vi hume paise pay krne hote h.
Iske baare m ek video bana skte ho aap, mujhe janna hai sir..
You explain everything so clearly and in detail. There is no ambiguity ever. Thank you for all your efforts.
Many thanks!
I guess part 2 : for second home buyers needed , should we by buy second home or invest that money in somewhere else. Nice work and you really Made my life and investment simple, but if we can get your some courses in little bit affordable price will be more than happy to join Finology family.
इतनी सरलता से समझाने के लिए बहुत-बहुत धन्यवाद
Eligibility : 25% of net salary seems to be not practical. It could be somewhere between 45-55% of net salary.
Interest Rate : Fixed is costly as right said hence should go for floating that too Repo rate link so that it align with RBI Repo rate effect.
Tenure : Tenure of loan should be taken at maximum available as floating rate is always comes with NIL pre-payment hence can be repaid / partly paid anytime when one has money in hand.
Good points 👏👏
Apke samjhane k tarike se man ko bahot shanti milti h than u
15:39 - best point, which no one will tell you except Mr. Kamara..
thanks
Dilse bol Raha hu muze lag Raha tha mere bare vai ne muze guide Kar Raha Hain.... Such main thank you brother
Video bhot acchi thi aur explanation bhi kafi sahi thi Shukriya
सही समय पर अपना बहुमुल्य सुझाव देने के लिए बहुत -बहुत धन्यबाद🙏
शुक्रिया sir g🙏
try "MY MONEY UNIVERSE" youtube channel . they even show their full stock portfolio and all buying/selling in it openly. all free youtube videos. might help you!
@@anuverma9801 checked! subscribed!
Simple hi nhi maha Simple bta diya 😊😊😊😊😊😊😊😊
Lvly video.....easy or Sidhi baat.love it .baat krne ka trika awasome
You make some really relevant videos and explain it in layman terms.. Great work Pranjal...
Thanks a ton!
Bohot achhi sujhav... Behtar tarike se samjhane ke liye thanks
Never take PNB housing finance loan! They never change intrest rate in floating rate as per RBI norms! And customer service is so lame and hidden charges are more than GST!
even GIC also charges high rate and not easy to transfer the Home loan.
😂😂😂 तुम लॉग तो साला इनके Sponsorship वालोकी ही ले रहे हो 😂😂😂
@SHUBHAM SHARMA thanks 🙏
Inhone google karne ko bola, utna bhi zaroorat nahi pada 😂
@SHUBHAM SHARMA mene LIC HFL se liya pta nhi mera kya hoga ...
NBFC. H bad me pta chala 😭😭😭
Or pmay subsidy b 50000 kam aai h
Koi chance h ki ye amount b aayega 🙄
Sir, Aapki issi quality pe too mai aapko subscribe kiya hu
Financial Education Guru❤️
You seriously explain everything so well and completely in layman's language. You make things easier to understand. Keep up the good work 👍
Thank you! 😃
Lu
HDFC home loan 8.50%
Currently im in the process of buying home. This video is very helpful..
Thumbnail formula is mandatory for Lonnie . Nicely explained 😊
लगा जैसे कोई अपना बहुत सरल तरीका से समझाया । Thnxx Bro
Very nicely explained in such simple language. Very important and knowledgeable information! Thank you so much for this information!✨🌟🌟
Glad it was helpful!
Sir please keep making this types of videos... you are only one on youtube who make this type of videos with this much accuracy and all points covered!!!!!!!
Thank you so much!
Big fan sir
Such a fluent and simple presentation. really wish to meet you sometime.
Thanks a ton!
Bohat achi tara se samjhaya bhai thank you so much 💐💐💐
Please also create video on car loan.... buying car is one of the closest topic to heart for middle class people... And thanks a lot for such awesome videos ❤️
Best teacher in the world ❤️
Thank you so much!
I recently started watching your videos and I am really loving your videos and your way explaining things.....Its really motivating us to plan our future in a better way and also giving us confidence that we can do so....
I like the word patani.
Emi patani hai
ALL information in very simple language
Always great videos
Awesome teaching. Sir, you have been inspiring me and helping me to build my wealth year by year.
Glad to hear!
Your way of Explaining is too good 👍
Koi mathematical calculation apke sukh chain se upar nahi hain. Best thing told in this video.
A very informative video about personal finance topic- how to take a house loan.
Insurance on home loan or overall life insurance.. which is better?
😘😘😘😘aap jaise log hai duniya me.
Love the simplicity, the way you explain the things... 🙏❤️❤️
Thank you so much 😀
I think this a better environment for friendly communication about Stocks and Financial Methods.
This video was a need of an hour. Appreciate your knowledge and the efforts you put through each video. Wish u loads of success :)
Glad it was helpful!
@pankaj kamra, PNB housing finance is the slowest in transferring reduced ROI and also they always had higher ROI as per market. Though I understand they are the sponser for this video 😉
PNB Housing is worst fighting consumer case with them from last six years
Hey i am from HDFC housing loan
Awesome. Well explained emotionally as well as financially
Thanks a ton
Ek number Pranjal bhai, av he property dekhi thi or loans se related doubts the, ab kafi achi clarity hai mujhe... Kya kya puchna hai bank waalo se
Thank you so much sir, for providing such informative video. 🔥
Bahut sahi jankari diye sirji,Thanks alot.
Perfect man, really appreciated, also try to make a video on documents needed for HL
Contact me if you need a home loan
@@Mahesh_24 my cibil score 657 mil payega kya?
Bahut sahi video he bhai 👍❤️
It's very useful for us. Thank You !
Amazing information with so much ease....Thank you Pranjal
Much awaited topic..
Thanks🙏🙏
Welcome 😊
which banks are better for home loan. which is better among government bank and private bank
very simple video and very good explain .. thanks Brother
Glad you liked it!
Thanks sir we are amazing explanation
Very detailed and informative. Thank you 😊
You’re welcome 😊
Wow..simplicity at it best 👍👍👍
Thanks a lot 😊
Most simple, informative and genuine video..❤️ thanks sir..🙏
Thank you!
Comman. Indian can understand.....
No complicated things.....!
We are living India not in usa...
Well done broo......
Bro , you are such a gifted individual .. the way u provide financial knowledge would change the perspective of thousands of people/families.. Thanks again for all the guidance 🙏
Thank you so much 😀
Thanks sir 🙏 aisi best knowledge-based videos ke liye aur aise knowledgeable videos Hamare liye latey rahiye ga
I always admire your straight cut & unbiased suggestions. Love fm Tripura.
Thankyou!
It was clear explanation awesome brother.
Time pe daala video Bhai thanks❤️
Im thankful to you pranjal sir....coz of you im aware of things
Very good and informative video . Thank you Sir
Most welcome!
Thank you pranjal these are much helpful video for people like us.Thanks a lot buddy
Sir ji 30% tax bracket & benifit of PMAY cannot apply to any individual , so prepayment of home loan at about 7-8 % is a good decision in my opinion
Thanks Pranjal bhai.. very informative video..
You are setting lives of many people..
You are giving directions to them...
Thank You By Heart Sir
Thank you!
Well said....neend acchi aani chahiye
Thank you for this valuable knowledge.👍
You are welcome!
Short and Simple..Best 👍👌
Simple , concise n covered all the points I was looking for . Thankyou very much 🙂
I like your all video because you explain very well and thanks for information
$$$ Pranjal bro, you saved me. I am going to get Home Loan next month...Thank you so much...Keep up the Good work bro...👍
Most welcome 😊
Me to.. I m going to take this month
First time I saw your video, and I say you are best bro,.👍
Pranjal sir is =vevek bindra sir
Knowledge cut to cut.
😂😂😂Vivek Bindra
Great explanation sir, you make easy to understand all topic and it's very helpful for m . Thank you
Bhai apne kaha instalment 25% honi chahiye. Par agar salary 1lakh ho to ghar ke kharche kaat ke 50% se instalment pay kar sakta hai.
Dusra home loan insurance ki jagah term insurance zyada acha hai.
Home loan ke liye sbi sabse acha bank hai. Interest rate bhi kam hai.
Anyways jaankari achi hai. Thanks.
Home loan insurance lena hi thik he. Costly bhi nahi he. It will be 1% of your loan. Ex: 30L loan ka insurance 30k hoga.
Term insurance acha he but home insurance different he..kal kuch hojaye tho home loan pay karne ki zarurat nahi hoga agar home insurance he tho.
@@PTeja007 Term insurance mein aap zyada cover bhi le sakte hain or zyada term ke liye le sakte hain. Phir bhi comparison karke hi lein, Sir.
@@munishsharma2492 in my view, paying 30k ( not yearly..just one time payment ) for 30L as insurance is a good deal. I won't compare it with term insurance.
@@munishsharma2492 term insurance me aadmi ko marna pdega . or accident me jinda rha lekin bed ridden ho gua to ???
Thank you apne mere sare doubt clear kiye👍👍🙏
This man is so good
Nice video brother you have cleared all my doubts
Thank you for your valuable time and information on such a great topic Pranjal Sir. Appreciate your efforts🙂
Thanks and welcome!
Very clearly explained. Thank you so much.
Nice video with everything clarity..... Thank you sir, keep educating us
Thanks and welcome
Ur convincing style is very good 👍
Nicely explained sir...kindly make videos on pure critical illness insurance and give some comparision of different insurance company regarding this plan.Thanks in advance.
Nice sir g... U r best adviser and best motivational speaker
Thanks a lot
thank u sir.... i really like your way of presenting any topic. can u please a video on how to start from minimum investment to nice profit strategy. pls share some of your strategies for zero to hero... thank u again.
Pranjal sir you are great...हर चीज़ छपती है आपकी हमारे दिमाग़ मे !
जय हिंद 🇮🇳
U r doing a good job.❤️
Thank you 😀
I like This Video ..very Helpful
Sir add more videos in curfew classes section ..we enjoy and learn lot through that series
Please sir
Mr. Pranjal thank you for the useful information.
Perfect timing bro, about to apply for home loan myself . Quite informative.
Did you apply for home loan ?
Did you apply for a pnb housing loan?
Kese kar lete ho bhai... Explained in very simplest way...Loved it👌🙏
Thank you so much 😀
You actually make it quite more simpler😀
Can u just tell me one thing,does PMAY apply for seafarers/NRE?
Hi,i have the same question as it's been 3 year you have asked,so can you please help me out the same!!!!
Awesome Explaination brother again...
Thanks again!
Thank you sir!
Every video provide in valuable information:)🙏
Thank you for your continuous support!
Pankaj Bro Superb 👍 Explained for Home Loan👍😀
Hello Sir,
Isn't it better to take term insurance instead of Home loan insurance?
In-home insurance sum insured keeps on decreasing, but in term insurance it remains fixed, and if anything happens say after 4-5 years then after paying the home loan amount fully remaining amount of term insurance will go to the family.
THanks for g8 Knowledge..
Thanks and welcome!