Buying an apartment in Chennai is not a piece of cake. Hearty congratulations. Live happily in your home it is very cool and organised. Don't give ears to stupid comments. Congratulations again. ❤
Hi Priya & Varun, enjoy your home to the fullest! Ignore the naysayers. A positive return doesn’t have to be financial. Sometimes emotional fulfillment far outweighs monetary gains. You’ll easily cover off the home loan with your MF investments.
Me and my husband are working in IT. I can relate to so many things that you said here and in previous video. My husband bought a flat in 2015 Jan and faced all the problems you said in house purchasing video. Our loan percentage still fluctuates. We will hopefully complete our house loan in 2025. And THIS IS YOUR HOUSE. Don't let anyone take that happiness away from you. Every month EMI kaga panra sacrifice iruku than. But im glad it will be over soon. You will get there soon. My best wishes. ❤
There is nothing wrong in sharing your experience, I saw your home tour video, it was awesome. I also admire you both for each others contribution in posting this video. Community living is more secure and safe. God bless you both
Anna & Akka , Thanks for your time. Evolo peru ippdi experience share pannuvangnu thiriala . Some peoples are jealous about you. Some of comments in previous video tried to break your heart . You stood great against those persons .
Nice video sister and brother. Small suggestions for video making from my end 1.video is lengthy. I watched the complete video. Split the video 2.everyweek Saturday dedicate the time for the video. Atheist record 5 to 10 min video 3. Give small teaser about ur upcoming video. Don't show more. 4.eveey video u can talk about one small topics 5. Do you tube shorts. It will definitely increase the views
Kandipa ... when ever i plan to do a video i am getting office work or personal work so not able to be consistent even on weekend .. but your suggestion is very useful.. i will follow it for sure..
Hi.. I like your way of expressing the term continual improvement in personal life. Every person surely got loss without proper knowledge. Our own mistakes make lesson for our life time journey.. Its my personal experience too.
Madam first of all congratulations... in the future you and your husband need own space and as you get old, only small apartments are easy to maintain... I have seen many people jumping for individual house and regret about safety, social life etc Look at the senior living homes..they provide same size flats and charge 25000 per month... This is an ideal investment ...be happy ..
Hi, I came to know many details about pros and cons of the apartment purchase. The video was good and informative. Don't worry about negative comments.
Hello Priya, I just found your channel and watched your home tour and this video. This is superb video. I like your attitude and your approach to savings, retirement, finances and life, in general. To each, their own. Some people like independent houses, some prefer townhouse / row house, others like flats and yet others swear by high rises. You have to do whatever works for your family because this is your home and you have to live in it. One thing I tell people is to buy less than you can afford. For example, if you can afford a house of 50 lacs, try to buy a home for 40 lacs, as long as it meets 80% to 90% of your needs / requirements. Living below one's means is PRICELESS. For young couples who are both working, I suggest you buy a house on just one person's salary, so that you can comfortably save the second income and invest it in different asset classes. Also, if you are going through a lay-off or re-structuring and either lose your job or take a pay-cut, you can comfortably meet your financial needs even on the lowered income / less income. I do think of homes as a depreciating asset or an appreciating asset. Rather, housing fulfills a basic human need of shelter. So, even if it is a high rise that will lose a lot of value with passing time, it still provides shelter (as long as it is well built and safe to live in). You cannot live in a gold mine / stock market / mutual fund. You need a house and your 500 sq.ft flat is a beauty - tastefully done, accommodates you and your parent and will provide stability and shelter for your family. It is your home, your Griha Lakshmi and I am pleased to see how much you love your cute and comfortable home. All the best and god bless your family!
Hi Gayathri Mam, Thank you so much for your thoughtful and heartwarming comment. I’m truly touched by your kind words and the wisdom you’ve shared. It’s wonderful to hear that my approach to home and finances resonates with you. Your perspective on living within our means and viewing a home as a place of comfort rather than just an asset is so refreshing and valuable. I completely agree that a home’s true worth lies in how it meets our needs and provides us with a sense of security and joy. Your advice about buying within our means and planning for the future is incredibly insightful and practical. It’s a great reminder that a well-chosen home, regardless of its type or size, can offer so much more than just financial value-it can be a sanctuary and a foundation for our lives. Thank you again for your kind words and for sharing such thoughtful advice. It means a lot to know that our journey and our home are appreciated. Wishing you all the best and continued happiness in your own journey! Warm regards, Priya
Hi bro It's useless to discuss which is best whether large community appartment, small community apartments,or buying land and building house because it is already done Everybody here very reluctant to learn financial management when they started to earn So you saved for sofa and interior design like wise you should save but kept as emergency fund, slowly build that first because health insurance family policy not cover the our parents if you include premium will be so high, next step is start health insurance for your family not less than 30 lakhs upto 50 lakhs (inflation for hospital care is so high don't under estimate it,one small hit in health can affect family financial health in big way)both of you are working so health insurance by the company may not suffice you may not aware that's why I am explaining it in detail After building your second house,one of the house rent will suffice for your emi fully or ninety percent at that point of time, like you searched for builder and finding home,try get financial advice from one good advicer and plan accordingly Don't take it if I am wrong Thank you
Yes, bro. Thanks for sharing your valuable thoughts. As i said emergency fund creation is my focus now. Having a tugofwar with School fees and sudden household expenses. Upbringing a child in nuclear family has many challenges(Many other paid classes are needed for their growth). Will be posting some content about expenses involved -Varun
I am so happy for your new house. I can see the pain and journey to reach so far. Wish you good fortune and prosperity in the coming years to your family.
வாழ்த்துக்கள் நண்பா நீங்கள் youtube சேனலில் போட்டுக் கொண்டிருக்கும் வீடியோக்களை நான் பார்த்துக் கொண்டுதான் இருக்கிறேன் என்னை பார்த்தது போல் இருக்கிறது கண்டிப்பாக இந்த நிலைமை மாறும் நான் இன்று நல்ல நிலைமையில் இருக்கிறேன் காலம் கண்டிப்பாக பதில் சொல்லும்
Hi priya and ur husband முதலில் உங்கள் இருவர்க்கும் என் ஆசிகள்.வாழ்த்துக்கள். எனக்கு 63 வயது.என் Mobileல் Just உங்கள் Vidio cross ஆனது .சரி பார்க்கலாமே என்று முதன் முதலாக பார்க்க ஆரம்பித்தேன் . (.previous)என்னை Impress செய்து விட்டீர்கள்.உழைக்கும் வயதுதான் உழையுங்கள்.என் பார்வையில் செந்தவீடு என்பதை சிறிய வயதிலேயே அனுபவிக்க கொடுப்பினை வேண்டும்.அந்த கொடுப்பினை உங்களுக்கு உள்ளது.உன் அம்மா மிகவும் திறமையானவர்.ஒவ்வொரு சமயத்திலும் அவர்களின் அறிவுரையை நினைவு கொள்.மேலும் முன்னேற வாழ்த்தும் பாகீரதி.
Hi , we really need your assistance, we booked casagrand first city on last month and they are asking us to pay full amount within 35 days from the booking advance. Is that correct? But they told from the beginning that we can take 3 months time..
Hi mam,.. first city project was launched in same 2020,, i think they will handover it by this year or next year... while booking itself you should have negotiated with them on the payment terms.. its ok.. all for good only.. booking department is different and collection department is different during handover they may charge u late payment fees... please try getting exceptional approval if still they ask u to make full payment means u need to pay only ..
Ha ha.. people always think that others are dumb. Every individual has their own knowledge. It’s so rude to comment that ur decision is wrong. However, its each person’s life and they all have freedom to do whatever they want as long as it doesn’t interfere in others life. Such huge video but enjoyed it 😊. U need not explain ur decisions however if this is made for a learning then it’s fine. Not an advice, just my thought.. Happy life 🥰
you’re right-everyone has their own perspective and knowledge. It’s true that we all have the freedom to make our own choices, as long as they don’t affect others. I’m glad you enjoyed the video! 😊 Your thoughts are appreciated, and I agree-sharing can be about learning and connecting. Wishing you a happy life too!
Hai mam I also purchase a flat from Casagrand they handover my flat after 2yrs only … I had seen lots of bad review about Casagrand … can you pls tel me the maintance charges and how they responding if u need any help for maintance … what about water supply… current expense …
Hi ... for the first one year they dont charge any maintenance charges.... u already purchased so not to worry.. for any issues at home u can contact icare team they will assign the support executives to solve your house issues,.. current expense is as usual.... if it is running by DG then the charges will be different.. water supply is good and tds level is within the limit..
Hi. Interior details ku oru video potingala? Did you remove it? I was waiting for it. Ignore the negative people. It's your house. No need to apologise. It's a personal choice to buy an apartment or individual house. Please share detailed interior video. It'll be very useful.
Ok. Flat may be in depreciation after 30 years but for atleast 20 years you get a type of community lifestyle and rental income is also good. So considering safety, convenience etc it is not a bad investment. So enjoy your home. Enni thuniga karumam thunindha pin ennuvam enbadhu izhukku.
So nice to hear you talking about thunivu at the end of your video. Coincidentally I mentioned the Thirukural before watching it fully. Best wishes to you both.
Come on ., purchased a flat about 20 years back , though depreciation., but land keep increasing hence flat price gone up ., do not waste your time in explain things., carry on your work
Oorla enaku own house iruku ipo chennai la new house vangalama im not married yet planning to marry within a year any suggestions earning very good money
You guys are very innocent! All of your money should not go just for this house.. you need to invest for child as well.. loan amount ah seekirama close pannunga
Unga Video ippo dhan parthaen. Parallel funding procedure neenga follow panna, PRE EMI neenga kashta pattu katta vendam. Bank la parallel funding pathi nalla therinjavanga kitta kelunga. If possible nama gated community kullayae HDFC bank irruku. Anga kelunga.
hi sir .. i think u r asking for interior wood work .. we paid on the whole sir.. i discussed with my interior person that i will pay on the whole cost not on sq ft basis...
Good and patience in explaining..
Thank u
Buying an apartment in Chennai is not a piece of cake. Hearty congratulations. Live happily in your home it is very cool and organised. Don't give ears to stupid comments.
Congratulations again. ❤
Very true. Thanks for your encouraging words..
Hi Priya & Varun, enjoy your home to the fullest! Ignore the naysayers. A positive return doesn’t have to be financial. Sometimes emotional fulfillment far outweighs monetary gains. You’ll easily cover off the home loan with your MF investments.
Thanks for your words. Highly encouraging :)
Super ..Both are you very humble and down to earth. Very open to your subscriber.keep rocking.🎉🎉.
Thank you so much mam..
Me and my husband are working in IT. I can relate to so many things that you said here and in previous video. My husband bought a flat in 2015 Jan and faced all the problems you said in house purchasing video. Our loan percentage still fluctuates.
We will hopefully complete our house loan in 2025.
And THIS IS YOUR HOUSE. Don't let anyone take that happiness away from you. Every month EMI kaga panra sacrifice iruku than. But im glad it will be over soon. You will get there soon. My best wishes. ❤
thank u mam... my best wishes for your 2025- loan free happiness... i am very happy to read your comment.. very positive
Very useful video. Expecting more videos about house,interiors and other things which will be very useful for others.
Thank u very much..new video is loading.. pls check hope it will be useful
There is nothing wrong in sharing your experience, I saw your home tour video, it was awesome. I also admire you both for each others contribution in posting this video. Community living is more secure and safe. God bless you both
Thank you sir... thank u really
Anna & Akka , Thanks for your time. Evolo peru ippdi experience share pannuvangnu thiriala . Some peoples are jealous about you. Some of comments in previous video tried to break your heart . You stood great against those persons .
Thank u very much... ur comment is encouraging
Very polite way of explaining 😊
Thank u very much mam
Nice video sister and brother. Small suggestions for video making from my end
1.video is lengthy. I watched the complete video. Split the video
2.everyweek Saturday dedicate the time for the video. Atheist record 5 to 10 min video
3. Give small teaser about ur upcoming video. Don't show more.
4.eveey video u can talk about one small topics
5. Do you tube shorts. It will definitely increase the views
Kandipa ... when ever i plan to do a video i am getting office work or personal work so not able to be consistent even on weekend .. but your suggestion is very useful.. i will follow it for sure..
Hi.. I like your way of expressing the term continual improvement in personal life. Every person surely got loss without proper knowledge. Our own mistakes make lesson for our life time journey.. Its my personal experience too.
Yes... you are right mam
Great and Superb guys 👌👍💐..... Hope you guys will achieve all your dreams as earlier 💐💐💐
Thanks for your encouraging words, sir..
Inspiring !! Expecting pro tips on home construction as well.
Hi .. yesterday i posted a video.. if possible please check
Keep rocking. Grow high. You deserve more😊
Thank you very much... it really means a lot
Nice planner both of u .. don't worry about bad comments
Thank you very much
Akka & Anna , Thanks for your time . I learned lot.
Wow.. really
Madam first of all congratulations... in the future you and your husband need own space and as you get old, only small apartments are easy to maintain...
I have seen many people jumping for individual house and regret about safety, social life etc
Look at the senior living homes..they provide same size flats and charge 25000 per month...
This is an ideal investment ...be happy ..
Thank you so much for your words..
Hi, I came to know many details about pros and cons of the apartment purchase. The video was good and informative. Don't worry about negative comments.
Sure.. Thank u very much
Hello Priya, I just found your channel and watched your home tour and this video. This is superb video. I like your attitude and your approach to savings, retirement, finances and life, in general.
To each, their own. Some people like independent houses, some prefer townhouse / row house, others like flats and yet others swear by high rises. You have to do whatever works for your family because this is your home and you have to live in it. One thing I tell people is to buy less than you can afford. For example, if you can afford a house of 50 lacs, try to buy a home for 40 lacs, as long as it meets 80% to 90% of your needs / requirements. Living below one's means is PRICELESS. For young couples who are both working, I suggest you buy a house on just one person's salary, so that you can comfortably save the second income and invest it in different asset classes. Also, if you are going through a lay-off or re-structuring and either lose your job or take a pay-cut, you can comfortably meet your financial needs even on the lowered income / less income.
I do think of homes as a depreciating asset or an appreciating asset. Rather, housing fulfills a basic human need of shelter. So, even if it is a high rise that will lose a lot of value with passing time, it still provides shelter (as long as it is well built and safe to live in). You cannot live in a gold mine / stock market / mutual fund. You need a house and your 500 sq.ft flat is a beauty - tastefully done, accommodates you and your parent and will provide stability and shelter for your family. It is your home, your Griha Lakshmi and I am pleased to see how much you love your cute and comfortable home.
All the best and god bless your family!
Hi Gayathri Mam,
Thank you so much for your thoughtful and heartwarming comment. I’m truly touched by your kind words and the wisdom you’ve shared. It’s wonderful to hear that my approach to home and finances resonates with you. Your perspective on living within our means and viewing a home as a place of comfort rather than just an asset is so refreshing and valuable.
I completely agree that a home’s true worth lies in how it meets our needs and provides us with a sense of security and joy. Your advice about buying within our means and planning for the future is incredibly insightful and practical. It’s a great reminder that a well-chosen home, regardless of its type or size, can offer so much more than just financial value-it can be a sanctuary and a foundation for our lives.
Thank you again for your kind words and for sharing such thoughtful advice. It means a lot to know that our journey and our home are appreciated. Wishing you all the best and continued happiness in your own journey!
Warm regards,
Priya
Please give some time for curing and for some other important parameters.. Take optimum time to build the house(Not in hurry as well as delay)
Sure Sir.. I will do it
My hearty congratulations for your new home🎉
Thank you so much mam..
Hi bro
It's useless to discuss which is best whether large community appartment, small community apartments,or buying land and building house because it is already done
Everybody here very reluctant to learn financial management when they started to earn
So you saved for sofa and interior design like wise you should save but kept as emergency fund, slowly build that first because health insurance family policy not cover the our parents if you include premium will be so high, next step is start health insurance for your family not less than 30 lakhs upto 50 lakhs (inflation for hospital care is so high don't under estimate it,one small hit in health can affect family financial health in big way)both of you are working so health insurance by the company may not suffice you may not aware that's why I am explaining it in detail
After building your second house,one of the house rent will suffice for your emi fully or ninety percent at that point of time, like you searched for builder and finding home,try get financial advice from one good advicer and plan accordingly
Don't take it if I am wrong
Thank you
Yes, bro. Thanks for sharing your valuable thoughts. As i said emergency fund creation is my focus now. Having a tugofwar with School fees and sudden household expenses. Upbringing a child in nuclear family has many challenges(Many other paid classes are needed for their growth). Will be posting some content about expenses involved -Varun
I am so happy for your new house. I can see the pain and journey to reach so far. Wish you good fortune and prosperity in the coming years to your family.
thank you very much.. this comment is very much encouraging
I just want you to research on "Indexation benefit percentage" change from this year budget.
Yes, very important topic and need of the hour..
வாழ்த்துக்கள் நண்பா நீங்கள் youtube சேனலில் போட்டுக் கொண்டிருக்கும் வீடியோக்களை நான் பார்த்துக் கொண்டுதான் இருக்கிறேன் என்னை பார்த்தது போல் இருக்கிறது கண்டிப்பாக இந்த நிலைமை மாறும் நான் இன்று நல்ல நிலைமையில் இருக்கிறேன் காலம் கண்டிப்பாக பதில் சொல்லும்
Thank u sir..
Hi priya and ur husband முதலில் உங்கள் இருவர்க்கும் என் ஆசிகள்.வாழ்த்துக்கள். எனக்கு 63 வயது.என் Mobileல் Just உங்கள் Vidio cross ஆனது .சரி பார்க்கலாமே என்று முதன் முதலாக பார்க்க ஆரம்பித்தேன் .
(.previous)என்னை Impress செய்து விட்டீர்கள்.உழைக்கும் வயதுதான் உழையுங்கள்.என் பார்வையில் செந்தவீடு என்பதை சிறிய வயதிலேயே அனுபவிக்க கொடுப்பினை வேண்டும்.அந்த கொடுப்பினை உங்களுக்கு உள்ளது.உன் அம்மா மிகவும் திறமையானவர்.ஒவ்வொரு சமயத்திலும் அவர்களின் அறிவுரையை நினைவு கொள்.மேலும் முன்னேற வாழ்த்தும் பாகீரதி.
Thank you mam.... சொந்த வீடு வாங்க நெறய போராட வேண்டிய இருக்கு ... ஆனால் அது வழிய வர சந்தோஷம் நெறய வே இருக்கு... ...
Hi Madam/Sir, By Gods grace Yenga housewarming function mudinjadhu. Most probably November la Shift aiduvoam ninakiren.
Super... my heartiest wishes
@@itsyuvin Thanks pa. Phase II, 3rd Floor
Hi , we really need your assistance, we booked casagrand first city on last month and they are asking us to pay full amount within 35 days from the booking advance. Is that correct? But they told from the beginning that we can take 3 months time..
Hi mam,.. first city project was launched in same 2020,, i think they will handover it by this year or next year... while booking itself you should have negotiated with them on the payment terms.. its ok.. all for good only.. booking department is different and collection department is different during handover they may charge u late payment fees... please try getting exceptional approval if still they ask u to make full payment means u need to pay only ..
Can you please share the interior details...
Sure its ajin 9940362620
Ha ha.. people always think that others are dumb. Every individual has their own knowledge. It’s so rude to comment that ur decision is wrong. However, its each person’s life and they all have freedom to do whatever they want as long as it doesn’t interfere in others life. Such huge video but enjoyed it 😊. U need not explain ur decisions however if this is made for a learning then it’s fine. Not an advice, just my thought.. Happy life 🥰
you’re right-everyone has their own perspective and knowledge. It’s true that we all have the freedom to make our own choices, as long as they don’t affect others. I’m glad you enjoyed the video! 😊 Your thoughts are appreciated, and I agree-sharing can be about learning and connecting. Wishing you a happy life too!
Hai mam I also purchase a flat from Casagrand they handover my flat after 2yrs only … I had seen lots of bad review about Casagrand … can you pls tel me the maintance charges and how they responding if u need any help for maintance … what about water supply… current expense …
Hi ... for the first one year they dont charge any maintenance charges.... u already purchased so not to worry.. for any issues at home u can contact icare team they will assign the support executives to solve your house issues,.. current expense is as usual.... if it is running by DG then the charges will be different.. water supply is good and tds level is within the limit..
Hi. Interior details ku oru video potingala? Did you remove it? I was waiting for it. Ignore the negative people. It's your house. No need to apologise. It's a personal choice to buy an apartment or individual house. Please share detailed interior video. It'll be very useful.
Interior Video inum podala sir. Saturday podren... Saturday dhan leave adhan..
Ok. Flat may be in depreciation after 30 years but for atleast 20 years you get a type of community lifestyle and rental income is also good. So considering safety, convenience etc it is not a bad investment. So enjoy your home. Enni thuniga karumam thunindha pin ennuvam enbadhu izhukku.
Very true..
So nice to hear you talking about thunivu at the end of your video. Coincidentally I mentioned the Thirukural before watching it fully. Best wishes to you both.
I thought neenga video pathu apadi comment potenga nu.. wow.. itc coincidence only
Come on ., purchased a flat about 20 years back , though depreciation., but land keep increasing hence flat price gone up ., do not waste your time in explain things., carry on your work
Sure sir..
Disclaimer konjam podunga sister..u are not responsible nu..just sharing my experience nu..it will help ppl
Sure ma
Eagerly waiting for own house video
Sure, will post shortly, sister..
Eye opening video thank you I am your new subscriber
Thank you so much. Much more useful contents coming up. Pl keep supporting..
Oorla enaku own house iruku ipo chennai la new house vangalama im not married yet planning to marry within a year any suggestions earning very good money
Nalla point.. kadan kudutha thirumba varadhu 😂
Vaanguna adi andha madiri .. hahaha
True
Congratulation🎉🎉 People who have Nothing to do or Have not achieved Anything (Can Only Give Negative Comment)
Fully agreeing to it
You guys are very innocent! All of your money should not go just for this house.. you need to invest for child as well.. loan amount ah seekirama close pannunga
Thanks for your suggestion, sir..
Andha motta madiya unga business ku use panalam periya kitchen potu 2,3 per velaiku eduthu panunga
Wow, you just spoke my mind.... one of the best idea.. thank u very much
Unga Video ippo dhan parthaen. Parallel funding procedure neenga follow panna, PRE EMI neenga kashta pattu katta vendam. Bank la parallel funding pathi nalla therinjavanga kitta kelunga. If possible nama gated community kullayae HDFC bank irruku. Anga kelunga.
Sure.. indha week ketu pakuren
@@itsyuvin neenga block 1 or block 2. yedhula veedu vaangirukenga
@@SRIVATSAS-f9y phase 1
@@itsyuvin naanga block 1 phase 2. main gate arch enter panna odanae left side first building.
நன்றி அக்கா
Thanks pa
நீங்கள் வாழ்க வளமுடன்
Thank u
Something that generates income is an Asset.
yes.. you are right
I should learn from you both❤
Thank u mam..
Very good video sister. God bless.
So happy to see your support
How much per square feet rate for room cubboard (box type).
hi sir .. i think u r asking for interior wood work .. we paid on the whole sir.. i discussed with my interior person that i will pay on the whole cost not on sq ft basis...
@@itsyuvin yes interior wood work, any squre feet rate idea you have
Ihu entha area pindividual houseahh
Flat or construct panra house kekurengala mam
Unga savings plan slunga siater
Sure, will post a video shortly.....
Which area
Near OMR pa
Nice 👍
thank u rabi
❤❤❤
Thanks for you support, mam
Unga flat name ena pa endha area
hi mam we bought in casagrand .. our flat name and area i will share in mail my mail id is techiemomchennai@gmail.com
Negative varum vidunga sis neenga rental illama namakkunu oru veedu irukkanum vangi irukkinga super
thank u ma... keep spreading positivity
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hi mam.. thanks for the love and support