Sure Kamini Patil Ji, will cover fresh video on plotting soon. Mean while you can watch multiple videos we covered on Land/Plot earlier 👉🏻 th-cam.com/play/PLgHSGu_yg-H3R5oVgTd-cAo2nZO1L3MqT.html
Awesome, shows depth of your knowledge Sir. You may have saved many from getting stuck on wrong side of things. Your simplicity in explaining things and breaking it down to the smallest part is too good. Thank you, keep the great work.
Very informative video , today only I was thinkg whether I should go for pre emi or EMI , thank you for sharing appreciate your work , and keep it up. Thank you
Tell builder I will only pay 10% now and rest 90% on possession after getting OC. Many builders are giving this .. Don’t get into all this pre emi stuff and protect your money and have peace of mind
Pre EMI is only for 18 months period in my case . Is it same for all banks ? But Possession is not done in this 18 months and now actual tenure of loan started . Now builder will not pay Principal part of EMI. Possession is delayed by 6months due to pandemic . This is nice video for new homebuyers they will know what it is before booking.
We don’t have to set pre emi for 18 months. Pre emi is there upto possession date. So even if it delayed it won’t affect. Full emi will start after possession only. As per my knowledge.
Take the maximum loan sanctioned possible even if you have self fund to pay. Instead of sending money directly to the builder pay amount towards principal. By doing this you can report this amount in 80c towards tax
Sir, but most of the banks give only two options for repayment - either PRE-EMI till possession or FULL-EMI from the beginning itself...So where the EMI comes into picture???
You can opt for the Overdraft Account as well and can make payment at any time any amount so basically you have to pay only for remaining amount. So no matter you are payimg only interest or principle + interest or returning principle amount in lump sum which is withdrawable in emergency situations.
NBFC don't give choice to customers whether they want to opt Pre EMI or Full EMI. NBFCs say it is compulsory that Pre EMI will be charged till possession and only after possession full EMI will start. But banks like HDFC, ICICI etc give choice to customers to opt either of the options. NBFC making it compulsory to choose pre EMI till possession is it allowed by RBI ?
Thanks a lot, very well explained and cleared a lot of confusion. Request you to also make a video on benefits of MaxGain or OD loan. I think that calculation is also not straightforward.
Sir, first of all thank you very much for all your videos 🙏. One help needed from you. Bajaj finance has a scheme for vtp magnum opus. Please explain that. Also godrej finance has a design your emi scheme. Please explain that as well. Thanks in advance!
Sir,I want to take 40lacs of home loan.Now SBI said that I can choose pre emi or I have to pay principal on 40lacs and interest on disbursed amount but here you say that we can pay principal +interest only on the disbursed amount.I am confused whether SBi professional has hidden this option from me
For a 24 floor building, builder is asking for 96% funds on 15th floor slab in Payment schedule. Can they do that? Is it wise to go with that project for buying a flat? Please suggest.
This is really nice and informative and thanks again for it ! Can we decide to take full EMI option and ask builder to pay interest portion of it until possession ? VJ for Sukhniwas project (Hinjawadi)has the same package price with or without an offer,though beyond my understanding
Can you sometime make a vedio on TOP up on home loan..all that we need to know.. and if I can reach out to you directly somehow for any consultation? thanks
Sure Balram Sharan Singh ji, will try to cover video on it soon. You may visit our office for any help. SaudaGhar 711, 7th Floor, Global Business Hub, Kharadi, opposite to Eon Free Zone, Pune, Maharashtra 411014 070307 71234 maps.app.goo.gl/8oMTFScXDWqhHyy18
Nagargoje Harshvardhan Ji, it depends on individual's affordability. If you want to take disbursement of full sanctioned Loan amount then you may go for full-EMI otherwise Tranche EMI.
Wrong information. If we take full emi, from day 1 itself you emi will be on the total sanctioned amount. Only thing is the interest component on the emi will be on the disbursed amount. Sir plz confirm this.
Sir main abhi interest hi de raha hu mera loan 720000 lac disbursement hua hai abhi under construction hai mera interest 5300/rs ja raha hai kya main ise amount emi kar sakta hu or use pe interest lagega
Sir, no Emi till possession me builder pay krta h apni Emi but ye amount already flat k price me included hogi. So agar hum no eim till possession nahi le rahe h, to builder flat ki price to kaam nhi kr rha h.. Wo usi rate me dega apne ko. So is case, Flat ki price same hogi so, no Emi till possession and full Emi (P+I) me difference kya reh gya.. Ye explain nhi kiya sir aapne.. Can you please explain once
According to me 2 difference: 1. Tenure will finish early in full emi case 2. Builder is taking advantage of not reducing price for buyers who are not going to no emi till possession option. This no emi till possession increases flat price. Because builder would say last month me agreement kiya x price me. But wo hua tha no emi wale scheme se.
![เปิด อาณาจักร หมื่นล้าน "สาระตั้ม" l [Nickynachat]](http://i.ytimg.com/vi/3XE0nPF4YkQ/mqdefault.jpg)
You are really explaining in very good way and providing good suggestions.It is helpful for buyer.you can prepare video on plots buying process
Sure Kamini Patil Ji, will cover fresh video on plotting soon.
Mean while you can watch multiple videos we covered on Land/Plot earlier 👉🏻 th-cam.com/play/PLgHSGu_yg-H3R5oVgTd-cAo2nZO1L3MqT.html
Excellent💯. ... I must say your effort to aware buyers with sound knowledge is comandable
Keep it up!
Bahut acche se samjhaya
Thanks saudhaghar team for such informative videos...
Best home loan expansion video on TH-cam.. thanks.
Awesome, shows depth of your knowledge Sir. You may have saved many from getting stuck on wrong side of things.
Your simplicity in explaining things and breaking it down to the smallest part is too good.
Thank you, keep the great work.
Thank you very much to explain PRE EMI and EMI formula in simple words.
Thanks Sir.. Very good explanation
very well explained, Thanks for valuable information..
Very informative video , today only I was thinkg whether I should go for pre emi or EMI , thank you for sharing appreciate your work , and keep it up. Thank you
Very nicely described. Thanks alot.
I have a question. How to convince builder for 30-35-35 payment disbursement plan?
Thanks a Lot , very descriptive
Very well and thoroughly explained!
Thank You sir. Nice Video
Very useful information
Tell builder I will only pay 10% now and rest 90% on possession after getting OC. Many builders are giving this .. Don’t get into all this pre emi stuff and protect your money and have peace of mind
Can you create video on tax benefit of under construction property or what are tax benefits of under construction flats
SIR, THANK YOU SO MUCH.
Thank You Sir.. Bahut Bahut Badiya
Pre EMI is only for 18 months period in my case . Is it same for all banks ? But Possession is not done in this 18 months and now actual tenure of loan started . Now builder will not pay Principal part of EMI. Possession is delayed by 6months due to pandemic .
This is nice video for new homebuyers they will know what it is before booking.
We don’t have to set pre emi for 18 months. Pre emi is there upto possession date. So even if it delayed it won’t affect. Full emi will start after possession only. As per my knowledge.
Very good sir
Kindly guide us for Rohan Builders specially Rohan Ananta...
Informative.. But this is only when we buy under construction flat
Sir kay pardhan mantri Arban kay wapas chalu hoga
Very well explained sir, thanks for sharing such valuable information 👍
Take the maximum loan sanctioned possible even if you have self fund to pay. Instead of sending money directly to the builder pay amount towards principal. By doing this you can report this amount in 80c towards tax
Good Explanation..
Plot par Ghar banwane ke liye bhi pre emi home loan Lena padta hai?
Very good explanation...
Very informative! You can also make a video on pros and cons of home loan from Banks like SBI Vs from NBFC like HDFC and LIC
This is AWesome..
Pre payement bhi kr skte hai kya months ke beech me isme
Good Job Bhai . Goel Ganga Serio ?
Well explained thank you so much..
What to choose if we don't bhave trust on builder to give possession on time..
Sir, but most of the banks give only two options for repayment - either PRE-EMI till possession or FULL-EMI from the beginning itself...So where the EMI comes into picture???
Shashank ji don't go with what they are offering. Ask for plan which suits you. All banks have EMI (principal+interest) option.
Stay tuned ✌🏻
You can opt for the Overdraft Account as well and can make payment at any time any amount so basically you have to pay only for remaining amount. So no matter you are payimg only interest or principle + interest or returning principle amount in lump sum which is withdrawable in emergency situations.
Thank you sir.. Nice video👍
Dear sir. I have booked one flat... Builder told me to give PEMI till possession.... Why sir if it takes 3 year.
Please give your view on ARV Uthville , kharadi
NBFC don't give choice to customers whether they want to opt Pre EMI or Full EMI. NBFCs say it is compulsory that Pre EMI will be charged till possession and only after possession full EMI will start. But banks like HDFC, ICICI etc give choice to customers to opt either of the options. NBFC making it compulsory to choose pre EMI till possession is it allowed by RBI ?
Thanks a lot, very well explained and cleared a lot of confusion. Request you to also make a video on benefits of MaxGain or OD loan. I think that calculation is also not straightforward.
Sure Ashish Shrivastava ji, will cover this comparison in coming videos.
Thank you so much. Keep blessing 🙏🏻
Sir, first of all thank you very much for all your videos 🙏. One help needed from you. Bajaj finance has a scheme for vtp magnum opus. Please explain that. Also godrej finance has a design your emi scheme. Please explain that as well. Thanks in advance!
Sir,I want to take 40lacs of home loan.Now SBI said that I can choose pre emi or I have to pay principal on 40lacs and interest on disbursed amount but here you say that we can pay principal +interest only on the disbursed amount.I am confused whether SBi professional has hidden this option from me
For a 24 floor building, builder is asking for 96% funds on 15th floor slab in Payment schedule. Can they do that? Is it wise to go with that project for buying a flat? Please suggest.
Kafi simply se bata ya apne
Nice information sir thank you
Really like it....very well explained..
Sorted
very informative. thank you.
NBFC like IIFL compulsorily offer only pre EMI option. Is it allowed?
Very well explained, Thank you
Affordable houses is upto what area or what cost
Thank u sir
Some builders have tied up LNT finance for 8.3 Rate after 18 months and no emi for 18m. Kya ye sahi hai?
Rate of interest seems higher than other PSU Banks.
Best video 👍
Thank you for such a nice information..👌👍
I am looking to 2 bhk flat which is near possession or ready to move near dhanori .. kindly suggest
well explained
Any idea about Kakkad builder interns of construction quality, timely possession, genunity
Thanks
Priyadarshan Deshpande ji, soon try to cover video about this builder ✌🏻
@@SaudaGhar Thanks. Planning to purchase so if you give some feedback will be very helpful.. Thanks
This is really nice and informative and thanks again for it ! Can we decide to take full EMI option and ask builder to pay interest portion of it until possession ? VJ for Sukhniwas project (Hinjawadi)has the same package price with or without an offer,though beyond my understanding
can please review on Prasun sarvam khardi project???
Very good
Can you sometime make a vedio on TOP up on home loan..all that we need to know.. and if I can reach out to you directly somehow for any consultation? thanks
Sure Balram Sharan Singh ji, will try to cover video on it soon.
You may visit our office for any help.
SaudaGhar
711, 7th Floor, Global Business Hub, Kharadi, opposite to Eon Free Zone, Pune, Maharashtra 411014
070307 71234
maps.app.goo.gl/8oMTFScXDWqhHyy18
Thank you
Nice 👍..one query can builder change possession date in RERA if yes then how many times ..and what's the use for buyer
They can change once and increase it by 6 month
Builder ko kaise loan Vali amount pay kar ke hum fayda kar sakte hai vo samaj nahi aaya
Tranche EMI or Full EMI is best?
Nagargoje Harshvardhan Ji, it depends on individual's affordability.
If you want to take disbursement of full sanctioned Loan amount then you may go for full-EMI otherwise Tranche EMI.
Wrong information. If we take full emi, from day 1 itself you emi will be on the total sanctioned amount. Only thing is the interest component on the emi will be on the disbursed amount. Sir plz confirm this.
Sir personal loan me pre EMI Ka matalab
Can we get tax rebate on pre emi interest paid?
Sir main abhi interest hi de raha hu mera loan 720000 lac disbursement hua hai abhi under construction hai mera interest 5300/rs ja raha hai kya main ise amount emi kar sakta hu or use pe interest lagega
Vikas ji, some bank allow for full EMI. We would suggest please talk to your respective loan provider bank, If they allow definitely you can convert.
Sir, no Emi till possession me builder pay krta h apni Emi but ye amount already flat k price me included hogi. So agar hum no eim till possession nahi le rahe h, to builder flat ki price to kaam nhi kr rha h.. Wo usi rate me dega apne ko. So is case, Flat ki price same hogi so, no Emi till possession and full Emi (P+I) me difference kya reh gya.. Ye explain nhi kiya sir aapne.. Can you please explain once
I have same question
According to me 2 difference:
1. Tenure will finish early in full emi case
2. Builder is taking advantage of not reducing price for buyers who are not going to no emi till possession option.
This no emi till possession increases flat price. Because builder would say last month me agreement kiya x price me. But wo hua tha no emi wale scheme se.
Sir can u consult me personally...its dream to meet you sir... Love form Pune.🙏
Sure Swapnil ji, Please fill this form so that we can understand your query & consult you in-person👉🏼
forms.gle/gSR8Vz9fyVGSnJXa8
Like..
👍
Hi
Sir Please share your no I have some doubts. please
well explained
Very well explained!!
Thank you