I Being Banker the way he explained is 100 percent correct i have seen many people who took home loan paid 5-7 years of emi and due to financial Crisis they sold the property. One should be financially disciplined...
bro, have a question if he is ready to sold his property after 7 yrs due to financial crisis so, till 7 yrs emi and down payment. with they return to tht person. i mean bank will sell tht house right? just asking.
@@shivaram2341 Bank will sell the property slightly below the current market price. If auction proceeds clear your debt , the remaining balance will be given to you . You mostly will not get too much money
Super and great explanation Ram Prasad gaaru. Thank u very much sir. We middle class families getting more financial discipline from your videos sir. And thank u Suman tv. U r providing valuable videos.
Why to discuss about valuation of house/flat/villa...as its zero fixed aset class Reasons 1) we don't sell /don't borrow sny money, 2) mortgage evaluation standard is per govt value which is very much less than original vslue 3) it will protect us from sun, rain but don't protect from financial difficulticultues, infact it adds 4) Don't pull yourself in EMI trap
Six years back మా సైడ్ అపార్ట్మెంట్ ఫ్లాట్ 35 to 40 లో వచ్చేది... అప్పుడు కొందం అనుకున్న అందరూ అపార్ట్మెంట్ వెస్ట్ value ఉండదు అని ఆపేశారు...ఇపుడు same area lo 75laks అయ్యింది... ఇపుడు కొందాం అంటే loan రావడం లేదు చేతిలో డబ్బులు లేవు... దేని విలువ దానికే ఉంటది..కాకపోతే independent house విలువ ఎక్కువ పెరుగుతుంది ఫ్లాట్ విలువ కొంచం తకువా పెరుగుతుంది... ఇంకో 5 ఏండల్లో హైదరాబాద్ లో 2bhk ఫ్లాట్ కోటి రూపాయల వరకు వెళ్లిన ఆశ్చర్యం లేదు...ఇంక 150 yards independent house 1.5cr ki వెళ్తుంది
Tq sir same na think elane vundi mee lane nenu think chesa sir tq very much nenu think chesthu vunna elane chedam ani. Kani malli 30years loan triple ayipithundi Ela Ni anukuna but sip kadithe cleareance avuthunda ani think chesa meeru alane cheparu tqvery much na doubts clear ayinaduku
Emledhu simple ga oka matalo cheppalante...6.5 % intrest ki bank dhaggara home loan thiskoni . Mana dabbuni konchem konchem bank ki 15 % returns vochela intrest ki sip cheyyamantunnadu anthe.... 15% - 6.5=8.5 % intrest manake vasthay ani meaning.
Yes property valu definitely increase avuthundie but one thing miru annatu every month emi pay chyasi 30 lack house kontaru oka 10 years ieyaka house emi complete avuthunide after 10 years 1 cr property vutundie but nenu chapinatu rentded house lo vuntu emi money shares or mutual funds lo oka 10 years continue ga inverst chyandie after 10 years mi dagira definitely 1 cr kana yakuva money vutundie and past 10 years miru mi minde tension free ga vutundie yandhuku ante every month, emi katalee ani tension vundadu mi minde inka Sharp ga work chyasthu mi assets valu inka ela increase chalo miru free ga allochistharu bro.edie na option bro correct ani nenu annanu but nenu tension tesukokunda money build chyasukovachu anta
True in theory, practically possible and impossible, possible…Trivikram story of common man who lives in a village and morning one curry evening curry simple living, in this world is it possible ?, mounting demands year after year…
very good but one point missing. what about depreciation of that 30Lakh appartment after 15 years? if it is a plot then it appreciates but appartment always depreciates.
సార్ నేను సింగరేణిలో జాబ్చేస్తున్న నాకు ఇంక 8 yers సర్వీస్ఉంది నేను ఈ రోజు మంచిర్యాలలో ఒక్క అపార్ట్మెంట్ చూసిన 1000 స్కేర్ యార్డ్స్ అపార్ట్మెంట్ 10 yers old దీనిదర 28.00.000 చేపుతండు తీసుకొవచ్చ దయచేసి చెప్పగలరు
Great Insights, but I have few points noted from this video 1. He suggests to take loan for the longest possible tenure, looking at inflation and investing in other assets with higher returns. But that will definitely add a mental stress when getting old looking at uncertainities in job market specially in IT sector and unforseen life incidents and responsibilities in future. 2. He is assuming mutual fund for 10 years will return 15% CAGR. And that is an unrealisitc approach. Everything in life is not money. Yes definetly math is needed with different points which he mentioned. But that doesn't mean you only look in finance point of view.
1)we are taking it for long tenure due to lowest interest rate . 2)every house loan comes with aan insurance( if person who took died due unforseen situation,that loan is waived off(insurance pays))- probability of happening uncertain things happen in 20-30years is higher then happening in 5-10years right? 3)next thing if you are gonna pay the rent in the city which you are working then it's better to take loan as he cuts down rent money At last there are different things to consider and varies from person to person but for most average people longer tenure is best
@@hari7priya hi sister nen okka 30k varaku amount pettali anukuntuna savings ga per month okka 2 years varaku .chittilu vesthe best aa leka inkekadyna secure high returns emyna unte chepandi please
@@akii6478 Ela vastundi bro , nuv minimum 30lac teeskuna bank nunchi 26k padtundi emi for 30 years , nekuna salary eh 26k , vallu nee salary 60percent eh consider chestaru , ante 15k , but emi 26k , so I won't be eligible , may be 15lac home loan it's possible
I have one doubt , suppose manaki own house buy cheyadaniki mana dhagaraaa own money vundi pay chestey manaki vochey monthly salary ni suppos 20k ni sap pay chestey 30 years ki anta vostundhi mnaki
Good afternoon sir Memu present 25 ankanams per ankanam 60 thousand 25 ankanams site sale chesamu personal loan thisukonnamu daani valla etuvanti ibbandulu face cheyalsi vuntundi
Antha ok but 20 yrs lo katte amout 56 lakhs chage but 15 yrs lo meeru annattu close cheste 56 lakhs change so 20yrs lo kattedi . 15 yrs lo kattedi same amount.
Financial planner is setting a mindset for viewers that “15%” returns from mutual funds... but in real world it may return or may not return... And whoever commented this video as “super” or “great”- im telling to those folks... you are also like me, who cant hold stress. In that case always better to clear loan ASAP. Without being trapped by equity markets
Sir good morning. Thanks for information. Nenu oka house katanu loan 15 lakhs 11,500 emi cut ayithundhi. Na gross salary 40k and net 36k vasthundhi. Maa brother house konali anukuntanu price 1.cr naku yentha loan bank evachu chapagalaru.
Nanu army lo job chasutunanu nanu deform patta house tisukuntunanu Naku lone kavale atha varaku lone estharu na salary 45000 sir metho okasre mataladale
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Super sir చాలా చక్కగా వివరించారు అవగాహన లేక చాలామంది తెలిసి తెలియక నష్టపోతున్నారు 🙏
It's true sir 🎉
I Being Banker the way he explained is 100 percent correct i have seen many people who took home loan paid 5-7 years of emi and due to financial Crisis they sold the property. One should be financially disciplined...
bro, have a question if he is ready to sold his property after 7 yrs due to financial crisis so, till 7 yrs emi and down payment. with they return to tht person. i mean bank will sell tht house right? just asking.
@@shivaram2341 Bank will sell the property slightly below the current market price. If auction proceeds clear your debt , the remaining balance will be given to you . You mostly will not get too much money
@NBFC -NUMBER PROFILE👈 hai sir may i know loan profile please
Great Explain 🥳
@NBFC LOAN DP NUMBER👈 number plz
Seriously after listening this...i got some boostup to buy a home with a planning...but need to study about mutual fund and SIP
Sip ante enti...
Ilanti education lekapovafam valla ippudu work chestunna employees entha struggle avutunnaro..chala thank you so much sir
I always use to following him. He gives right judgement
Super and great explanation Ram Prasad gaaru. Thank u very much sir.
We middle class families getting more financial discipline from your videos sir. And thank u Suman tv. U r providing valuable videos.
I want home loan
I took home loan and personal parlelly because of shortage of funds i took the session and bought in six months now i am trying close with top up loan
Why to discuss about valuation of house/flat/villa...as its zero fixed aset class
Reasons
1) we don't sell /don't borrow sny money,
2) mortgage evaluation standard is per govt value which is very much less than original vslue
3) it will protect us from sun, rain but don't protect from financial difficulticultues, infact it adds
4) Don't pull yourself in EMI trap
baga cheppara.last lo cheppina point very important.am a private employee, job security vundadu aney nenu home konaledu :(
Six years back మా సైడ్ అపార్ట్మెంట్ ఫ్లాట్ 35 to 40 లో వచ్చేది... అప్పుడు కొందం అనుకున్న అందరూ అపార్ట్మెంట్ వెస్ట్ value ఉండదు అని ఆపేశారు...ఇపుడు same area lo 75laks అయ్యింది... ఇపుడు కొందాం అంటే loan రావడం లేదు చేతిలో డబ్బులు లేవు... దేని విలువ దానికే ఉంటది..కాకపోతే independent house విలువ ఎక్కువ పెరుగుతుంది ఫ్లాట్ విలువ కొంచం తకువా పెరుగుతుంది... ఇంకో 5 ఏండల్లో హైదరాబాద్ లో 2bhk ఫ్లాట్ కోటి రూపాయల వరకు వెళ్లిన ఆశ్చర్యం లేదు...ఇంక 150 yards independent house 1.5cr ki వెళ్తుంది
Eppudu 10 lakhs lo dorukuthumdi asalu konaru kuda ika plots land rates ne padipoyaye
Adbhutam ga chepparu. Addicted to Ramprasad garu❤
Thank u Suman TV for arranging a excellent information from top analyst.. Kudos to u sir
చాలా బాగా చెప్పారు sir... చాలా బాగా అర్దం అయ్యింది
Sooooooooooper sir miru cheppina matter anthaa aksharaalaa naa jeevithame...
Addamgaa mosaopyi irukkupoina naa real life...🙏🙏🙏
That was an extraordinary question ...chala mandi middle class vallaki help ful
మహానుభావుడు భలే చెప్పాడు
Tq sir same na think elane vundi mee lane nenu think chesa sir tq very much nenu think chesthu vunna elane chedam ani. Kani malli 30years loan triple ayipithundi Ela Ni anukuna but sip kadithe cleareance avuthunda ani think chesa meeru alane cheparu tqvery much na doubts clear ayinaduku
Emledhu simple ga oka matalo cheppalante...6.5 % intrest ki bank dhaggara home loan thiskoni . Mana dabbuni konchem konchem bank ki 15 % returns vochela intrest ki sip cheyyamantunnadu anthe....
15% - 6.5=8.5 % intrest manake vasthay ani meaning.
Neatly explained sir ... im in the same situation... planning for app for 30 lakhs .... good information
First thing build money step by step after that take once only not goes in EMI ways because we don't what happened in our future
S...but Manaku...30 lacks vahelopu property 1 cr ayyela undi kada....
Yes property valu definitely increase avuthundie but one thing miru annatu every month emi pay chyasi 30 lack house kontaru oka 10 years ieyaka house emi complete avuthunide after 10 years 1 cr property vutundie but nenu chapinatu rentded house lo vuntu emi money shares or mutual funds lo oka 10 years continue ga inverst chyandie after 10 years mi dagira definitely 1 cr kana yakuva money vutundie and past 10 years miru mi minde tension free ga vutundie yandhuku ante every month, emi katalee ani tension vundadu mi minde inka Sharp ga work chyasthu mi assets valu inka ela increase chalo miru free ga allochistharu bro.edie na option bro correct ani nenu annanu but nenu tension tesukokunda money build chyasukovachu anta
first learn English then start giving lectures
@@itsme-mg9ss but shares or mutual funds risky kada bro
@@kishoresonapariya65591st Nv telugu ni chadavadam sarega nerchuko next naku suggestion ivu bro nenu typing thapuga chasina vallaku nenu emi chapano ardam iendekabtiee reply echaru 🧐
super knowledge sir, sip investment 4000 monthy which name sip is good please tell me sir
సార్ మా ఇల్లు సగంలో ఆగిపోయింది .
మీ నుండి నాకు సలహా కావాలి మిమ్మల్ని ఎలా కాంటాక్ట్ చేయాలి ప్లీజ్
Well good points financial management thanking you sir, thanking you universe
Monthly 10000, 30 lakh ante Appudu 25 years time padudhi house own avvadaniki
True in theory, practically possible and impossible, possible…Trivikram story of common man who lives in a village and morning one curry evening curry simple living, in this world is it possible ?, mounting demands year after year…
Super and great explanation Ram Prasad sir. Thank u very much sir.
The interviewer is unnecessarily interfering when the subject expert is explaining.
very good but one point missing. what about depreciation of that 30Lakh appartment after 15 years? if it is a plot then it appreciates but appartment always depreciates.
Priya akka nekku teluvadhu akka flat n plots both increase value atlaa untadhi manathoni
30 years ago 2 bhk flat in heart of the city costs 3 lacs. Check for the today's prices of 30 years old flats.
@@onoex786 Almost 60 lkhs anna
Maa Devudu NuvveNayya Maa Kosam Puttavayya🙏🙏🙏 Thanks A lot for the Very Valuable Info💓💓💓
Super sir Thanks 👍 God blessing you jaisreeram jaisreeram jaisreeram
6.5% ఏ బ్యాంక్ ఇస్తుంది సార్..? Minimum 9% ఉంది
Yes
Erri puka 1yr back icharu ra aftr 1yr chusavu
2 years back video appudu 6.5%
Punjab National bank
సార్ నేను సింగరేణిలో జాబ్చేస్తున్న నాకు ఇంక
8 yers సర్వీస్ఉంది నేను ఈ రోజు మంచిర్యాలలో ఒక్క అపార్ట్మెంట్ చూసిన 1000 స్కేర్ యార్డ్స్ అపార్ట్మెంట్ 10 yers old దీనిదర 28.00.000 చేపుతండు తీసుకొవచ్చ
దయచేసి చెప్పగలరు
Great Insights, but I have few points noted from this video
1. He suggests to take loan for the longest possible tenure, looking at inflation and investing in other assets with higher returns. But that will definitely add a mental stress when getting old looking at uncertainities in job market specially in IT sector and unforseen life incidents and responsibilities in future.
2. He is assuming mutual fund for 10 years will return 15% CAGR. And that is an unrealisitc approach.
Everything in life is not money. Yes definetly math is needed with different points which he mentioned. But that doesn't mean you only look in finance point of view.
@NBFC -NUMBER PROFILE👈 Hai
1)we are taking it for long tenure due to lowest interest rate .
2)every house loan comes with aan insurance( if person who took died due unforseen situation,that loan is waived off(insurance pays))- probability of happening uncertain things happen in 20-30years is higher then happening in 5-10years right?
3)next thing if you are gonna pay the rent in the city which you are working then it's better to take loan as he cuts down rent money
At last there are different things to consider and varies from person to person but for most average people longer tenure is best
Basically by taking long term, you are trying to match rent with EMI so that it’s easy on you while you are actually paying off your principal.
@@hari7priya hi sister nen okka 30k varaku amount pettali anukuntuna savings ga per month okka 2 years varaku .chittilu vesthe best aa leka inkekadyna secure high returns emyna unte chepandi please
@@akii6478 Ela vastundi bro , nuv minimum 30lac teeskuna bank nunchi 26k padtundi emi for 30 years , nekuna salary eh 26k , vallu nee salary 60percent eh consider chestaru , ante 15k , but emi 26k , so I won't be eligible , may be 15lac home loan it's possible
i really learned something about homeloan and parellel investment benefits. very good information
Tq sir very nice impermation more than people s important matter
చాలా మంచిగా చాలా మంచిగా చెప్పినారు
Most Recommended Video for Everyone.
40 Years Person can Eligible for home loan?
Eligible for 30years EMI?
As i know can avail 20 years EMI only for 40 year person
Super explanation and valuble information
And also monthly etf medha esukuntey inka manchi intrest rate vasthundhantara sir,
Super suggestion sir. But 0lease tell which mutual fund and sip is safe to invest.
Excellent suggestions and I got the correct idea on the correct time thank you sir and suman tv
U can add English subtitles, People who don't no Telugu will not understand please
I have one doubt , suppose manaki own house buy cheyadaniki mana dhagaraaa own money vundi pay chestey manaki vochey monthly salary ni suppos 20k ni sap pay chestey 30 years ki anta vostundhi mnaki
థాంక్యూ సర్ గుడ్ ఇన్ఫర్మేషన్
Mutual funds,sap edi best explaine cheyyagalaru
Good evening nenu poojari ga chestunnanu naku monthly 30000 varaku vasthavi naku emi emiledu naku housing loan vasthuda undi
Thank you...very clear cut explanation Ram Prasad garu👍👍👍
Superb and excellent Ram prasad sir
6 lakhs saving 30 months time padite 30 months tarvata adi 60 lakhs value ki perugutundi 30 lakhs value
Tanq Ram sir for indetailed discussion abt house loan for beginners like us
Super ga chepparu sir thagu jaagrathalu chepparu tq sir
Your very good sagishan sir
Vishu garu, elamti innovative vedios ekkava ga cheyyamdi
Good afternoon sir
Memu present 25 ankanams per ankanam 60 thousand 25 ankanams site sale chesamu personal loan thisukonnamu daani valla etuvanti ibbandulu face cheyalsi vuntundi
Ram prasad gaaru is best....Wish to meet you soon
Antha ok but 20 yrs lo katte amout 56 lakhs chage but 15 yrs lo meeru annattu close cheste 56 lakhs change so 20yrs lo kattedi . 15 yrs lo kattedi same amount.
NRI Dubai ar Oman lo job vunnte vallaki 40000 salary vunnte 3000000 lak home lon vasthundha oka video cheyandi
సూపర్ గా చెప్పారు సార్ 💐🙏
👌👌Super sir and great Explanation Ram prasad Garu .Thank U Very Much sir 🙏🙏🙏🙏🙏
Great idea super sir
Antha banewundi..30 lakhs flat yekkada dorukutundo cheppandi Hyderabad lo..
Single person 30-35k salaried, 30-40 lakhs property konaalanukovadam correct decision ye naa?
Namaskaram Sir. Thank you so much for your valuable suggestion 🙏🙏🙏🙏🙏
Very good explanation sir, really helpful video. Thanks for your advise.
Financial planner is setting a mindset for viewers that “15%” returns from mutual funds... but in real world it may return or may not return...
And whoever commented this video as “super” or “great”- im telling to those folks... you are also like me, who cant hold stress. In that case always better to clear loan ASAP. Without being trapped by equity markets
Very helpful to who need to taken home by loan....!
200 gajala plat minda lone esthra sir
🙏 thank you very much for your super advice Sir 🙏 God bless you 🙏
Sir present home loan thesukovali a note ela plan cheaiyali oka video Cherthalra 60 thousand salary vinapudu ela plancheaiyal8 sir plz
Meeku loan kavala
Well explained sir it's very helpful to middle class families, valuable information to all 🙏🤝
Meru chepina prakaram mutual fund gives 1 year ki 15% return and 10 years ki 150%
Sir it is possible 🤔??
As per your Suggestion Rates may hike each and every year then how can you get same rate
Super ga చెప్పారు సార్
Very clear explanation sir, thank you for your valuable information and advice sir...
Sir mutual annaru kada loan tho kalipi starting lo ne thisukovala madhyalo kooda pettukovacha
Sir which mutual fund is best for investment please suggest.
Very good suggestion sir TQ 🤝
Chala bhaga clear ga chepparu...tns 🙏
Sir thanks 🙏 good talk
Thanks for good information
అన్న గారు నేను యూఏఈ లో ఉంటాను నాకు రూ 40 ఇండియన్ మనీ సాలరీ వస్తది . నాకు ఒక 25-30 లాక్స్ లోన్ కావాలి . ఎలా వర్కౌట్ అవ్వుద్దో కొంచెం చెప్పండి అన్న .
Konni idea s vachay sir thank
Ram prasad garu
It’s very good advice
👍
Which MF is best for invest for SIP
Srnivasulu
Super explaination Ramprasad garu
Thanks to Ramprasad sir and ma suman t. v
Vedio lo voice sound laydu mundu sound voice first chaisy bro
Sir good morning.
Thanks for information. Nenu oka house katanu loan 15 lakhs 11,500 emi cut ayithundhi. Na gross salary 40k and net 36k vasthundhi. Maa brother house konali anukuntanu price 1.cr naku yentha loan bank evachu chapagalaru.
Yes nice good friend ❤thanks sir
Super Sir..good information..thanks
చాలా బాగా చెప్పారు రాం ప్రసాద్ గారు👌🙏🙏🙏🙏
Super ga chepparandi
Very very useful information sir, thank you
Thnq sir made my mind clear now
Hi vishnu.
Happy to see you hosting a show
Salaha ivvagalaru nenu Bank lo try cheyocha
The best and good explanation 👍
Nanu army lo job chasutunanu nanu deform patta house tisukuntunanu Naku lone kavale atha varaku lone estharu na salary 45000 sir metho okasre mataladale
Super explain sir