Home loan-க்கு கட்டின EMI எல்லாம் காணாம போயிடுச்சு !!! ஆயுசு முடிஞ்சும் EMI கட்ட வேண்டும்!!!
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- เผยแพร่เมื่อ 23 มี.ค. 2023
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Anandh sir be like : Goa porthuku badhila oru 20itc share vangalam
அதுக்கு மேல கூட ஷேர் வாங்க முடியும்.
நான் 5 வருடம் முன்பு land லோன் வாங்கினேன் hdfc Ltd ல, 12,000*60 மாதம் 7,20,000 கட்டி இருக்கேன், total 180 months (15years) loan, நான் 60 மாதம் emi கட்டி இருக்கேன், ஆனால் என்னோட login ல போய் பார்த்தால் 31 emi தான் காமிக்குது, 29 emi என்ன ஆட்சுண்ணு தெரியல, கேட்டா rbi interest rate ஏத்திருக்காங்க ன்னு சொல்றாங்க, இப்போ 11% interest irukku.. நான் peraonal லோன் ஆக வாங்கினால் கூட 60 மாதம் முடிஞ்சி இருக்கும்...
6:13 Keshav: Adhani kadan vaninaru athuku evlo interest, Sir: Athu Free😂😂, out of syllabus question kekakudathu🤭
🤣🤣
😂
Hi..sir
என் வாழ்க்கையில் பல மாற்றங்களுக்கு நீங்கள் தான் காரணம் thank you sir ❤️❤️
எப்படி sir என்ன மாற்றம் சொல்லுங்க
Same here boss
@Moneypechu574 what you mean that
Yes me 2
Yes. He has changed my life also ❤️❤️❤️
Hats off to Anand sir to explain financial events in layman language and big hug to "yellaam punrinja maari ye nadikkum Kesavan bro" 😂😂
Sir, Thank you for the insights. But considering the calculation after repo rate is decreased in a couple of years which will automatically decrease the period. Could you please provide insights on this as well.
As far before following your channel, the content you are telling was made as a meme and my perception was different , but now after following the channel and book i can relate many things, understand and gain knowledge related to finance. This also helps me to thing about what are real wants and what are all unwanted wants and what actually should be valued and how to treat the money which we have.
thanking you ANAND sir!.
Fixed interest rate options are not available in many banks. Some banks avail this with higher interest rate
can't we keep the interest rate as fixed? Instead of floating
Excellent contents Keshav and Anand, good screen play and dialogues...hilarious episode guys. Stay blessed.🙏
Today's excellent performance sir 🌻💐💐💐
இந்த type of coversation நல்லா இருக்கு. பல செய்திகள். 👌
Hi...pls explain....Bankers collect the rate of interest from public with immediate effective. But, FD investment rate of interest have not given existing customer immediately..I couldn't understand...Do you have any idea on this?
Can we get educational loan now by keeping the house properties ?
Anand Sir, Thank you for sharing your knowledge and helping us.
Ippave Kanne Katudhe ... Loan: 1 CR , EMI:74,557
Interest - 6.5%
Tenure: 241 months (20 Yrs) & InterrestAmount(79L)
Interest - 8.5%
Tenure: 425 months (35 Yrs)
Interest - 8.9%
Tenure: 711 months(59 yrs)... Soli mudinchuchu
Total payable(P+I) Rs,😇🙄
6.5% Rs 1Cr 79lak
8.5% Rs 3Cr 16lak
8.9% Rs 5Cr 30lak
Epdi picha edukurathuku rental house la valnthtu poidlaam 😂
Nalla pathivu sir valka valamudan
Once inflation is reduced this home loan interest rate also will be reduced la ?
Hello Sir,
It would be of great help if you can share a calculator where we can enter our Loan amount and tenure details to understand the increase in EMI/tenure of loan.
Thanks in Advance!
So how about the corollary then? What happens when the interest rates come down again? Also wouldn't the house value been taken into consideration as in when the housing market crashes?
Good information sir.thank you
Thanks for sharing valuable information 👍
Hai sir TANLA and POLYPLEX share
are good or not for buying, please guide me.
Same time entha problem la solve aanathu intrest rate decrease pannuvanga apo months koraiuma koraiyatha
Wt happens if we buy more stocks that you recommended. why u guys are telling to buy in tiffen coffee range?
Personal loan la yum RBI la interest rate ethna bank la nama tenure increase panuvangala??
This question is for Mr. Anand; more like a request. Sir please do a video on inflation, interest rates... Who, in your opinion, has been the best RBI governor so far? And also the best Fed Reserve Chairman. Taleb thinks very highly of Paul Volcker. Please do a video on that topic.
Sir , As per your video on home loan, if the home loan was purchased on fixed interest for the whole tenure of loan period will that also increase tenure and Rate of interest on any change of interest rate by the government
Very important advice Sir. I also say the same to few of my friends not to fall in this trap. But most of my friends buy this home loan for prestige issues and peer pressure.
நல்ல மாமனிதர் என்ற சொல்லை நிருப்பிக்கும் நேரம் இது நீங்கள். தரும் பதிலை எதிர்பார்த்து காத்திருக்கும் உங்கள் வாசகர்
. சரியான நேரத்தில் சரியான பதிவு நன்றி மணி பேச்சு
Anand sir & Keshav thanks for making one of the best video with right message for the audience. Appreciate the entire team for quality editing and contents.I’m one of the regular follower of most of your video and you have definitely helped to improve my financial literacy !
Sir morning koyambadu la irruthu rendu motai eduthu vaintha pudichu fine podura police evhanuga la keka matanuga
Sir you talk about interest hike and the emi tenure increase but you didn't tell what happens when banks reduces interest rates ? will EMI be reduced automatically ?
Thank u for ur deeply explain sir👍👍
நீங்கள் போடும் அனைத்து தகவலும் மக்களுக்கு விழிப்புணர்வை ஏற்படுத்தும் ❤❤❤
Your videos are very informative and entertaining.. Thank you to Anand Sir and Team
This is the best awareness video from this combo. Thank you, I dropped the home loan plan😊
Hats off to Anand sir for sharing his knowledge. Thanks, Keshav.
I have a question, please answer.
Is it ok to withdraw a pf to do part payment of the home loan?
Sir can I purchase gold withdraw the amount from my PF
Sir physical gold epdi loss illama vangurathu oru idea video pota ellarukum usefula irukum sir
Very clear information,thank you 💯😎
Ithuku soluzione pre payment (or) emi amount increase panuna clear
Please give summary of the video in description or allow summary in comments..
Floating rate of interest thaan ellaa bank laiyum tharaanga. Therinji thaan loan vaanguraanga. Loan vaangumbodhae 30 years tenure pottuuttu, emi kammi yaa irukkaa maari paatthukittu, konjam amount every month principle adaichittu vandhaa loan seekkiram mudiyum. Unga veedu rent out panni irundheenganaa, rental.income um.ungalukku udhavi yaa irukkum. every year neenga rent yaetthuveenga, andha additional.amount innum seekkiram loan close.panna udhavum.
Sir apa education loankum interest rate increase aguma...?
RBI interest rate ah koraicha
EMI tenure and duration will automatically adjusted?
Home lone yaduthu eruntha one time satilment panni close panna mudiuma sir
Is it possible to change floating to fixed intrest to save the peoples loan ?
Floating na Mela interest yethuna automatic ah namakkum yerum. Aana mela yerakinaangana namakku automatic ah yerangadhu. We have to pay a service charge to reduce our rate
Sir, EPF panatha eduthu home loan principal ah close pannalama ?
In agreement ( green Sheets) they mention floating interest rate, Most of the loans will be linked to floating interest rate.Its not secret they mention it, u can ask them to translate.
WTF.. 😂😂 I didn't take any home loan.. this episode was hilarious 😂 😃 😄 😁
@moneypechu Please talk about Butterfly gandhimathi appliances
Is MOD Cancellations done from the lender side? Are there any charges applicable at the time of closure of loan. Provide some tips to follow at the time of home loan closure pls.
Such an exciting and insightful video! I'm following Anand sir from ITC, manappuram..!
Suggestion - it would make more sense if the calc is shown through excel for better understanding in the video itself!
Is the interest increase affect the gold loan interest
Thanks for this information, am also in the same situation. Waiting for the solution plan
Very useful 👌 information sir.
Sir What will happen to gold loans
How will start my demat account and how will invest sir
Kojam apidiya Education Loan la pathi pesuga bro?
Sir housing loan edukara appo entha details therunjakanum sollunga sir
Thanks for the Luxury content sir 👍🏻
I don't understand how the tenure period increases so much keeping EMI same when interest rate increases by decimal
Please explain how to Avoid LONG-TERM CAPITAL GAIN TAX in EQUITY AND MUTUAL FUND INVESTMENT
Thank you sir 😊☺️
Although price is very high in USA, still interest rate is still fixed. Hence the housing market price goes up when interest rate is low, vice versa. Please ask Anand sir to speak about this difference.
எங்களின் ஆண்டவரே நமஸ்காரம்..🙏🙏🙏
Bank lla nagai adagu vaikalama prachanai varuma
which kulanthai??
Hai sir, please discuss about balance advantage fund
ஐய்யா வணக்கம் Lic பத்தி தகவல் சொல்லுங்க
Yen kanna theranthu vacha theivamey....Sami.... maharasa.....ayya....nandri nandri Nandri....Koda na Kodi Nandringaiyaa...
Appo fixed rate of interest la vanguna problem ilala
GREAT INFO TQ BOTH
Commercial vehicle loan la ethavathu update iruntha solunga
Dear sir.. we also suffer in home loan extended month due to interest hike. One doubt is the bank increase the fixed deposit interest rate also ..? Or only bank befesery side. Please explan. Waiting for tomorrow video about the solution. Thank you.
Sir appo future la interest koranjal EMI duration kooda kurum illa?
Extra EMI epdi pay pandrathunu therinja yaravathu konja sollunga bro
நன்றி சார்🙏👍
Exactly my situation is same.. what is ur suggestion sir? Can we sell the house and close the loan or return the house to bank itself? Your valuable suggestion pls
Will personal loan interest also floating?
Sir enakum 18L house loan iruku. Naa loan edukum pothu 6.3 interest rate la eduthen but now 9.25 la iruku.. enaku oru chinna yosani enga kitta jwell ah adamanam vechu itha close pamnitala thinking la iruken.. but ennoda annual salary 12LPA so tax ku kanaku konjam Adi vaangum like intrest amount tax la kaatikala athuve almost 1.8L varum per year. So clear panna tax pay panra mari varumo nu confusing ah iruku… so please clarify 😢😢😢
sir..is this applicable for car loan?
Home loan Interest rates during 2013 (UPA government) was around 10.5%.After demonization by Modi in 2014, it reduced drastically to 6%. Now it slowly regained 8.5 (Post covid). Which means after 9 yrs, only 2.5% is increased and still not touched to 10.5% during the UPA government. In the meantime, US FED has increased their interest rates from 0% to 4.5% within the span of 2 yrs. But, our interest rates were increased by only 2.5%.
The solution is to increase the EMI amount by 10% which will drastically reduce the balance number of months or pay the amount in bulk one time each year which will drastically reduce the amount of interest paid.
Well said
Super sir. how to get this information
Nenga solradhu dha out of syllabus..
Bro yepudi pathalum onnum dhane EMI duration reduce panalum loan vangum podhu irundha total amount ah Vida interest rate increase pananala adhiga amount pay panra Mari dhan varum
Ohh is it that much easy to increase emi by 10 percent per month 🤦
@money pechu bro demat pathi video paodunga sip pathi sollunga
Yappa after seeing this video ism getting afraid because even I have taken home lone in 2016 .so plz 🙏 give any suggestions
Bro apdiya car loan also same prob thana ? Konjam ketu solluga bro @keshav
Very versatile informative sir
Sir how to clear personal loan.. Pls made a video about that
Sir,
One doubt
If we hold and save money for 10 years however the landvalue building material value and manpower cost increases...so the money saved will also not meet the requirements after 10 years ryt? Kindly advice...
Fixed interest select pannalama in housing loan
Sir gold rate Enna achi
Very good information thanks
Hi Brother
I am working in Tata group company. Can I buy shares of that company while I work for that company? Are there any legal issues with such a purchase?
Part payment oru option iruku theriyuma sir...
குருநாதா! மிக்க நன்றி. போன வீடியோல லோன் கட்டிக்கொண்டு முதலீடு செய்தால் ஓட்டை படகில் பயணிப்பது போலன்னு சொன்னிங்க. உடனே மியூட்டுவல் ஃபண்ட்ட வித்து வீட்டு லோனை முடித்து விட்டேன். கணக்கு பாத்தா 40 லட்சம் லோன்க்கு மொத்தம் 61 லட்சம் கட்டி இருக்கிறேன் 100 மாதங்களில். இன்னும் வச்சிருந்தா வட்டியே போயிருக்கும். மிக்க நன்றி 🙏
Super combination
சவுக்கு ஷங்கர் மாதேஷ் மாதிரி..
fantastic video as usual Anand sir..
நன்றி அய்யா எனது சந்தேகம் தீர்ந்தது😊
what if the interest rate reduce?
Arummai .... Arumai.... Veedu vasngatheeenga pa..... Veeduvaaangatheenga....