வாடகை வீடா? சொந்த வீடா? | Buying A House VS Renting A House | with English Subtitles
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- เผยแพร่เมื่อ 27 ส.ค. 2024
- It's always a Dream to own a Dream House for many, while some feel unsettled until they own a House. But is it really worth owning a House, with Loans and EMIs and Struggling during the Loan Period? In this Video, Mr. K S Kishore Kumar discusses, how one can be more Financially free without owning a House while other Struggles with an Owned House, Watch the full video if you`re planning to get a House.
Renting or Buying a House Excel
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#financialfreedom #rentingvsbuying #investment
இருக்கிறவங்களுக்கு காலத்துக்கும் ஒரே வீடு இல்லாதவர்களுக்கு புதுசு புதுசா ஏகப்பட்ட வாடகை வீடு 😅🤣😂
எனக்கு திருமணம் ஆகி 13 ஆண்டுகள் ஆகிறது இதுவரை நான் 15 வாடையை வீட்டில் இருக்கிறேன்என் கமெண்ட்டை படிப்பவர்கள் இறைவனிடம் நான் கூடிய விரைவில் சொந்த வீடு கட்ட பிரார்த்தனை செய்யுங்கள்
@@beebeem.saibana1651 Thanks for your prayers 🙏 சொந்த வீடு கூட வேணாங்க கடன் லோன் காசு கஷ்டம் இல்லாத வாழ்க்கை இருந்தாலே போதும்....
Bad dept is not good invest your money grow well 🙂
Kastama vishiyam ahh azhaga solitinga
நடிகர் செந்தில் வாங்கிய வாழைப்பழம் விலை?
சூரி விற்ற வாழைப்பழம் விலை?
மாற்றம் ஏன் கண்டுபிடி அனைத்தும் புரியும்.
30 வருடங்கள் முன்பு இம்மாதிரி சொல்ல யாரும் இல்லை
Construction cost 2012 - Rs 1300 per sq.feet , Now Rs 2300 per sq.feet
Yes, built my houst in 2013. Land value also doubled now.
Definitely an eye opener for individuals thinking of buying a house like me.. Thanks a lot sir.. Keep going to educate us on financial planning🙌✌
So nice of you
@@TRADEACHIEVERS can you suggest the best & safest SIP platform to start investment.?
நீங்க வீடும் வாங்க போறதில்ல. பணமும் சேர்க்க போறதில்ல. 14% வருமானம் வந்தால் நீங்க 80 வயசுல தமிழ்நாட்டுல பெரிய பணக்காரண இருப்பேங்க.
வாறன் பாப்பேட் வோட வருமானம் 20 cagr தான். அவங்க அவங்க தொழிலுக்கு ஆள் சேர்க்கறாங்க.
The same concept was regularly posting Money pechu Anand sir also.for better understanding watch Anand sir videos if u not able to understand this video.
@@TRADEACHIEVERS
Please make a new video on investing money in proper trusted source..
Simple rule: save(delayed gratification) and buy and not emi... Or save max and buy only land little outer and then live in rented house and invest in sip to build the house... Then go to the place where you bought and built the house when you are settling in that place... Always delayed gratification will benefit but never forget the goal. Just have one house to live not houses for investment..
Great
Good. Illangovan.
Excellent. Following this. Please make a video in this method of buying house.
❤ same what I am implementing in my life
Appreciate the efforts in making this video.
Some additional insights for newbies:
1.There is no guarantee that SIP will provide 14% return YoY. It can also be increased or decreased.
2.10% tax applicable for SIP & lumpsum returns which should be deducted in final calculation.
Finally, House you bought for own living should be 1st considered as depreciation material and not asset as that depreciation is the value you sacrifice to live in your own house as you like. People's who keep changing rented house for different reasons know the pain of not living in a own house. So take a calculated risk and keep a balance between financial planning and personal/emotional values
Your wish?
@@ganeshbabu5724 I bought an individual house in 2018 with home loan and plan is to close it by 2028. My personal advise is home loan should be closed between 5 to 10yrs.. any tenure more than this mostly end in loss as stipulated in this video.
@@jagandots How to reimbursement your home loan interest - th-cam.com/video/U0MnUNn9PJ8/w-d-xo.html
your point 1 is wrong..
@@bhaskarsatheesh if you explain it in detail I can understand better
Ethu varaikkum intha mathari clear ah yaarum sonnathu illa. Very useful for my life sir. thanks sir.
Eye opening video for many sir. Especially for people in Tamil Nadu thinks own house is pride and should pay emi for rest of the life without any savings.
For this video many Banks would start hating u sir. 😂😂
Thank you, love and respect from Chennai 🙏
Thank you for knowledge sharing.
Please include 18% GST for the interest amount 56 L. It is 10.8 L
20 years back I was paying 2000 rs rent. According to your calculations, I should be paying only 5300 today. But I am paying 15000 for same house. Having a house is an asset and will appreciate over time. I bought an apartment for 25 lakhs almost 15 years back in Bangalore now the same house is 2.7 crores 🤷🏻♂️ I think buying a house is very good investment if you choose the location wisely
in own house scenario
if emi is 40000 then you have to subtract the rent amt because we will not pay rent for 25 years. which means 40000-12000[rent approx] =28000.
28000*25 years =840000 total emi
total emi is not 1cr 6lakh
but i prefer renting house
thanks for your efforts
You are right. You do not have to pay rent and rent should be reduced from your total loan. How did he miss this?? Is this to divert everyone to do the sip??
2012-land cost-17 lacks , 2022- 1 cros above (With in 10 years)
Yes bro edu mari sceneries la avaru Sona elamea maridum apdea kadavul ea solitaru NRA mari feel agama namba edu pudichi eruko family sutivation pathu porumaya decide pani mudivu edukalam.enatha 5 c 6 c sonalum antha 25 yrs sontha vedu kuda ila nu elarum soluvaga
@@shanpaul3416 😂😂😂 yaaru ya nee. Enna paathalum negative ha vae pesitu iruka. EMI la flat vaangi, velaya vittu thooki, EMI katta mudiyaama evalo peru kadan vaangi suicide pannirukaan theriyuma. Antha 25 varusham kalichi nee vaanguna veedu value evalo irukkum nu yosichu paaru. Already veedu 25 years old. Flats la 25 varusham veeda kooda sell panna mudiyaathu. Kandippa 25 varusham orey veetla iruntha namma pasanga namma koodayae irupaanga nu nenaikiriya. Seri Sontha veedu vechirula 25 varusham kalichi un payanuko ponnuko kalyanam pannanum. Verum own house vechi enna pannuva. Elathaiyum yosichi paarunga. But 10 varusham Intha video la avar sonna Maari veeda vaangitu meethi kaasa matha selavukku vechikalam la
After 10 years the rent expenses will be more than 20000 and therefore the SIP amount should be stopped and after 10 years, you need to pay additional amount than EMI. Then it doesn't get the expected amount
S.. I agree
Salary also increase
Yen life la ivlo clear aa teach panra oruthara na paathathe illa, yennaku nalla puriyuthu anna unga video yenakku ippo 18age kooda innum mudiyala, yenakke nalla puriuthu🔥🔥👌👌
This is best suggestion for the people who are thinking to buy second house as an investment option.
Buddy, getting tears now i am 33 years old father for my 9 year old child simply wasted my saving, this SIP knowledge if i got it before 10 years it would be an eye opener for me but none other less i will start planning now👍🏼👍🏼👍🏼keep educating us🙏🙏🙏
Even now it is good time to start
Come on my friend it's not late now. You can still start and step up. We are sailing in the same boat.
எதிர்கால சிந்தனை இல்லாதவர்களையும் இந்த பதிவைக் காணநேர்ந்தால், அவர் நேர் மறை எண்ணங்களோடு செயல்பட்டால் எதிர்காலத்தில் அவர் நிதி நிலைமை வலுவானதாக இருக்கும்.
மிகவும் பயனுள்ள அருமையான பதிவு. நன்றி.
Fantastic explanation. I was in confused mode in this house planning, now i got some idea to deal it further. Thank you :)
Guys, whats he says is correct. Don’t buy anything in EMI. Also buy medical insurance for your family and Term insurance for you. So that it won’t affect your savings in emergency situations.
Land rate, house rate increases every year, so definitely owning a house is a better option. House maintenance costs also increases every year.
One thing add here, we need to include the tax benefit for home loan and reduce that from total amount for effective calculation just a thought 😊 nice video between 👍
There are some factors overridden. 1) SIP was valued at 14% which is not sure 2) even own house got depreciation, the land gets appreciated every year. Can you give a revised working based on above?
Will be making a update version soon with tax benifts as well. Thanks
ஆனா அந்த 25yrs ல, பிள்ளைங்க கல்யாணம், காது குத்து னு சொந்த வீடு இல்லனா எவனும் மதிக்க மாட்டான். அந்த ஸ்ட்ரெஸ் க்கு 1.06 கட்டிட்டு போய்டலாம்
25 years of rental which is 75L has to be deducted as well from total paid EMI because once we buy home you won’t pay rent. So your effective EMI should be 18K per month…so you are effectively paying around 54L for this property
this video is very useful for everyone.
is the market give a 14% constant return in the market? During the covid time, all markets gave negative returns only.
After 25 years, Land and construction cost would've skyrocketed and it will be challenging to buy or construct a house then.
Buy a land in ur native/village with the savings of 25 yrs…sell it and buy a land of house in Chennai..that’s it..
@@rayavlogs An investment in village will not give you same return as an investment in City.
@@Kumar-kv3pe in Chennai u get lot of plots / flats at a cheaper rate then a “B” town..plz chk the facts..
He mentioned only for apartment
வீடு கட்டுங்க ஆனால் ஆடம்பறமா கட்டி அதிக கடனாளி ஆகாதீங்க எளிமையாக வாழ கத்துகிட்டா யார்கிட்டயும் அசிங்கபட தேவையில்லை, அதிகம் பணம் இருந்தால் ஏழ்மையானவர்கலுக்கு உதவிசெய்ங்க
Very Clear, i'm going to start SIP from this month for my Childs, thank you so much @Trade Achievers Team
Great. Best wishes
@@TRADEACHIEVERS sir which Sip is better?
@@varmanindia midcap and large cap funds
This video is an eye opener to all the innocent people who struck in between the real estate mafias.This is the real plan wow.....Kudos to you Sir.....
my eternal fear is losing my money to mafia...
Small correction.. You can buy house but also do this sip in parallel, when you're half thro your emi ( say 10yrs). This sip can be broken to pay as part payment.. By that time you would have paid hefty interest but atleast some 12-15 yrs interest we can save .. Something is better than nothing.
All these are possible only if your salary is 1 - 2L pm. Otherwise your emotions come into play. You buy house, car, because of social pressure for sure. If your salary is less than 1L you focus more on buying a own house; whereas if you earn more than 1L, you feel the relief of financial freedom and don't urge yourself to spend on house. That's the fact.
Content is very good👏 but, sip on what? Lumpsum on what? How can we say whatever investment give 14% return? What about tax?
அரைகுறை அறிவு ஆபத்தாகும் 👍
Hello sir I agreed with your financial planning. But every year the land rate is increasing drastically. If I spend 2 cent = 30L, after 5 to 10 years the amount definitely will be high (approx crors). So spending money on own house is a good idea also invest in SIP is future plan.
Anyways, thanks for video. I will learn how to invest in SIP
Real estate growth is slow right now. It will take minimum 30 years to give a bull run like 2001-2008.
10 lakhs land has become 1 crore in 2001-2008,
But that won't become 10 crores before 2030.
சொந்த தொழில் செய்பவர்கள் செய்ய வேண்டிய எதிர்கால முதலீடுகள் பற்றி ஒரு வீடியோ பண்ணுங்க பாஸ்..
சொந்த வீடு என்பது இன்றைய சமூகத்தில் ஒரு கெளரவம். மதிப்பு மரியாதை உறவினர்கள் மற்றும் நண்பர்கள் மத்தியில்.
அதனால் தான் சொல்கிறார். பிறரிடம் சொல்லிக்காட்டவும், போலி கௌரவத்திற்காகவும் வாழ்வதில் உள்ள சிக்கல்கள் இவை. 10 ஆண்டுகள் கழித்து வேலை போயி வீடு ஜப்தி ஆனால் அந்த உறவினர்கள் மற்றும் நண்பர்கள் உதவிக்கு வருவார்களா?
💯Excellent explanation in financial planning, please keep sharing your great thoughts👍
Awesome Explanation, sir Please give advice which company to select for SIP, Atleast 2 or 3 company names
Please let me know the SIP how to invest
அனேகமான விஷயங்களை ஒரே வீடியோல கலக்கிட்டீங்க அருமையான தகவலுக்கு நன்றி
14% not guarantee i feel
possible
நாம் சற்று யோசிக்க வேண்டிய விஷயம் என்னவென்றால் இவர் சோல்ற மாறி அதிக ஆண்டு லோண் போட மாட்டார்கள்
Video is excellent. But pls mention which SIP is best for invest because have doubt regarding SIP. pls make video for that
Good explanation bro. Many unaware that they are hard working to keep up the business of banks rather their needs. Once you taken loan for 25 years you will be paying only interest. Even you can do pre closures but still principles will be same. Less years and high EMI and huge down payment is key for home loan.
Well said
Point you missed : If the amount of rent keeps increases on yearly basis it leads to reduction in amount of investment so calculation of same amount of investment for 25 years is a wrong one, but EMI is fixed. 🤚 if you got it.
கருத்தில் கொண்டு யோசிக்க வேண்டிய தகவல் 💯 THANKS FOR YOUR ADVICE BROTHER ❤
Sir, I need a clarification for the following,
1. Why I should pay EMI for whole 25 years. I can foreclose the loan by 10 years if have good savings habit.
2. If I started earning 70k per month at the time of availing loan, after 25 years should I earn the same 70k per month??
3. If a tenant paying 13k as a rent at the starting time and he pays the same 13k for whole 25 years??
4. Also SIP is not stable one it also leads to loss some time.
5. For the housing loan I can claim back my tax and it leads to profit where I have to pay bulk amount for my taxes for monthly income.
6. Also I can able to mortgage the same property for additional loan if needed.
7. Cost of money inflated after 25 years where 2.5 crs in 2022 will not shows you same comfort on 2047.
Good bro 👏👏and also video creater not not less current paying rent
Very good points 🔥🔥👍👍👍👍
Fore closure percentage is there 3% for 10 lakhs 30,000 and ur initial amt won't reduce as per u think, if u pay for 25 years loan, the foreclosure option amt would be satisfied only after 25 years only. So get rough loan interest foreclosure amt between years before getting loan
@@ART_DECOR_CHENNAI Bro foreclosure charges collected separately from the foreclosing amount which has been reduced from principle outstanding
You missed to tell that house rent will be increasing YoY. It could increase 5-10% based on the owner. It may not increase for first few years but it might increase overall. Also you need to switch house after few years based on family needs, occupation, due to increased rent in the same house. BTW, assuming 14% CAGR looks to be optimistic. It can be lesser also when situation such as corona arrived. But breaking the fund and investing on house seems to be a good idea. Own house is a house where no one can ask us to vacate after few year of staying. Rental house comes with its own cons such as attitude of owner, rental expense keep on increase.
Very true
change the location
14% regular return is not possible
Bro watch full video he increased the house rent 5% every year
Im giving you the simple example :
Corona timela rent pay panna mudyuma naatula ethana house owner rent irukavanga wifesuh misuse pannanganu theiryuma ungaluku... Sondha veedu antha timela vechurunthavanlam amma hotel la idly saptu veetukulavey pressurela illama coviduh passed out panna.. Neenga sona SIP concept ethuvumey covid suitationla ungaloda SIP la next dayvey withdraw panna mudiyathu sir, coz neenga soldra elamey longterm savings, suddenun enaku accident ayichuna en pondati pullainga vadagai kattavey kasta padanum. Athey enoda sontha veedu na current bill thanni bill than kata porom.. And soceityla statusnu onnu iruku.. Enga ponalum sonthakaranga nadodi naainga di athunga inum sontha veedu kuda vaangama irukuthunganu solida kudathu, sondhama mainla edam vaaangunga sir kasta patu kadan adaichu vidu nalaiku un pulla vaazhatum ya, inaiku apdi mainroadla showrooms malls vechurukavanya ipo sema jollyuh irukan, azhika mudiyatha sothu unoda land asset than, 20yrs kalichu rent vidu vaazhu 50 yrs kalichu unala nadaka kuda mudiyathu
This video is not a comparison to people who own house already, this is a video about getting a house in EMI or renting a House, apply the same covid scenario to a own house for which you will be paying minimum 30-40K EMI, what if you cant pay the EMI. Anyway thanks for Commenting.
Viewing ur video when I am house hunting with a lot of self doubt. You cleared up all the questions I had in mind. Uninstalling all the apps I am using for house hunt. Thanks for ur effort.
Very useful video. Thank you very much for your awareness. I just want to point out one small miscalculation in this video, you didn't consider the monthly rental amount that increases every year. Because you assumed 12k rent + 20k monthly investment. It would have been more accurate if you had considered the increasing monthly rent amount.
Yes
Bro, avaru emi 32k Mattum thaan sonnaru, rent 12k voda compare panrappa, depreciation cost, maintenance cost laam sekkala, so neengalum rent increment laam sekkathinga, simply superb explanation sir, hats off you👏👏👏
Hats off to you sir... Whatever you said is correct... I have one question... Instead of putting lumpsum in 1 single mutual fund, can we split and do lumpsum in 3 or 4 mutual funds, so that we can reduce the risk... Is that practically achievable....
14% in SIP is too much, 8% if we get it's great. Another thing is he is not calculating inflation. House owners should increase the rent. Construction cost increased lot, but rent is not.
If u buy house in 25 it will become old and have to reconstruct during ur 70.. so my method is rent or sip.. buy a house after 38 so atleast till our life time no need to reconstruct.
2. Buy a land of 600 to 800sqft by 27 get married then try saving and investing and construct before 40. If possible construct extra portion for rental income.
3. If taking loan close it before 50. Last 10 year save for retirement.
More FINANCIAL PLANNING videos podunga sir ;It’s very much helpful
Sure stay tuned
I think It is good effort on imparting financial Knowledge to the beginners. But this Video fail to talk about the salary increase and Partial principal repayment option of Home Loan. As per my experience, Home Loan can be closed in 6 to 7 Years if planned well or Max 10 Years. This Video didn't speak about Capital Gain Tax too. Always best to assume the returns of 8% annually for SIP. Getting 14% is high for the term of 25 years or even for 10 years.
Yes a new video is uploaded regarding that. Thanks
Neenga sollrathu correct than bro ana athae place la house or land irukathu .. Already sold agirukum....
Every Year 14% is Not possible in Investment market have Risk also. Fixed deposit will give only 5%
Don't misguide.....
Sir, அருமையான விளக்கம். நன்றி. இந்த plan execute பண்றதுக்கு நல்ல SIP find எப்படி தேர்வு செய்வது. அதற்கான video link இருந்தா share பண்ணவும்.
In one word, this channel and our sir is "UNDERRATED" 💐🔥
Thank you, Share this with your friends & families.
My question is 14% is not guaranteed by anyone? Could you show some SIP plans with real life history that gave 14% return? Plz make a video
Will be making a video. Thank you
Buying a house is always a good decision... don't get influenced by these ideas.. do wat is right for u
1.At the time of sip maturity,u should deduct the capital gain tax.
2.Also inflation rate has not been considered here.after 25 years 2 cr is like 20 lacs now due to inflation.
3.from the sip return u have to deduct the rent cost for 25 years.
4.At the time of sip maturity,ur construction cost would have increased due to inflation...
So there is no much benifit i feel.
Agreed bro, but one question, SIP and lumpsum are mutual funds right?? It is subjected to market risks what if market crashes and we lose all our money?
Will be making a video on that soon. Thanks
@@TRADEACHIEVERS Sir please clarify regarding mutual fund risks.. Thank you for the above video
Seems to be useful info. Could you pl help me to understand the returns in NPS/PPF AGAINST SIP with the same amount being invested on monthly basis. What could be the potential option to go with? What is the main reason to compare only with SIP? Pl advise
I'm a home loan manager... For everyone one should have atleast a 1200sqft plot in any residential area.. it's your wishes to built a construction or stay in rental.. bcoz building have no value but also u have to maintain... it's not a good investment.. but investing in land is always worth to get a good repay..
Good Explanation For buying home & Rental home..very thanks
What about the depreciation of value of money every year at a rate of 5 to 6 percent per annum. That should also be taken into consideration.
6% nengale 14-6% podunga tha inflated gain
Do SIP give constant 14% interest return over the 25 years. Could you please make another video on the SIP investment advantages and risks. It will be really helpful for the new people coming here.
Same doubt
Why are you focusing on specific interest rate? His point his about savings.. let it be 10% on conservative side, still it’s a huge sum. I’m not in favour of staying in rental house but break method is a good option. I bought home as soon as I started my job. It’s been 10 years, if I would have saved in SIP I could have bought better home n still 50% savings.. lesson learnt bit late
Good message
Super explanation all youngsters of age group 30 should understand this concept and plan their finances accordingly. .
I think rental is better proposition incentives like chenbau Bangalore.
Thanks fir your good advice
Monthly rental benefits need to be added as profit for 25yrs. Yearly Tax benefits also need to be added.
It's simple, the longer tenure loan is always a loss. Go for 10yrs or 15yrs home loan.
Correct... Sip or stock market is not guaranteed income. In home , atleast we can live and at the end you can UDS as asset
Please clear my doubts
1. Which instrument gives you 14 percent solid returns in SIP?
2. will the rent of houses shall increase year on year or not ?
3. Where is the tax calculations on SIP and lumpsum investments?
4.
It's very informative and clear explanation, thank you so much for helping everyone's financial plan better and better for their life
You’re welcome
வீட்டு வாடகை முதலாண்டு 12000 ரூபாய் எனில், சராசரி ஆண்டுக்கு ரூபாய் 1000 முதல் 2000 வரை வாடகை உயர்த்தப்பட்டால், 25 ஆண்டுகள் கழித்து வீட்டிற்கு வாடகை சுமார் 50,000 வரை உயர்ந்து இருக்கும்... இதை ஏன் இவர் கணக்கில் கொள்ளவில்லை...?
Nice video on SIP..Please guide us how to save the corpus that has appreciated 1. during a time as present(expecting war btw ukraine n Russia) or during huge market correction
2. And how to save tax on this long term capital gain at the time of withdrawal/redemption for buying a house or for children marriage?
Sir thanks for this advisable video.. it's very useful for us .
Any monthly income available in SIP ?
If deposit some amount like 30 lakhs and above how much we can expect monthly ?
Superb analysis.. 👍
Practical life “la ithu evlo support pannumnu theriyala sir. Na kashtapattu earn pana amount enga ,yarkita irukunu theriyama irukanum. Athuve enkita oru veeda irundha andha nambikai enna vittu pogathu. And ithu ellam middle class ku set agathu sir. Already settled ana family ku than correct ah irukkum.
Great message. Can u also please suggest something for the people who is already sailing in the boat of home loan and for the people above 40 😀 on investment planning 🙏
Nice video. Thanks. One doubt in SIP process -- you said in tough times like COVID the sip amount of 88L will help. But during those tough times the invested amount will reduce to 50L or 40L know. It won't stay same as 88L.? Then that's a high risk right??
I too raised the same. Market seems subject to risk. But paying rent is better than own house. We can shift to any place wherever we want
Yes, that's where the Time gives us the advantage, the Longer your Invest, even through crashes we can survive, from 2000 to 2020 crash, the market has grown 466% approximately.
@@TRADEACHIEVERS Crypto grown 5 lac percentage 😂
Example BNB coin
Always prepay the home loan it will definitely lower interest burden.
Noway 50L property will go for 12k rent it will be upwards of 15k maintenance min 1.5k.
Sip returns are not always consistently 13-14% for 20years.
Power of compounding doesn't works for sip's.
Same porur area back in 2000's apartment is sold around 7-8 lakhs now that same apartment is going for around 35lakhs.
Yes, but while considering the India` real estate growth value before 20 years it was more than 10%, but today it is just 3.4%, 2-3 years back, the growth rate was in negative. I think the below link will provide you a overview of the Scenario.
www.ceicdata.com/en/indicator/india/house-prices-growth#:~:text=India%20house%20prices%20grew%203.8,%2D11.4%25%20in%20Sep%202020.
சொந்த வீடு சொந்த வீடு தான். கையில் காசு இல்லாவிட்டாலும் வீடு ஓனர் பிரச்சினை இருக்காது சென்னையில் 10/20வருடம் முன்பு இடம் வீடு வாங்கியவர்கள் இன்று பெரும் பணக்கார்கள்
What about taxation on return after 25 years?
The problem with all this calculation is you’ve only considered the best case scenario for sip returns. Just like job loss during a black swan even like covid the markets will also come crashing down. So if you are thinking about breaking the sip during covid your 10L lumpsum will not be 30L +, rather only 15L. And when your rent goes above your EMI it doesn’t make sense to still stay in rent. Plus per the calculation you can’t contribute the same sip amount since your rent will increase Year on Year(YOY). Plus when your rent is 35k you won’t contribute the same 20k. And lastly the return of 14% might be fine for 25years but definitely difficult in 10yrs especially on account of a black swan. Please have realistic numbers but renting is better than buying even with realistic returns of 10-12%. And when the rent goes more than the emi it’s time to either downgrade or buy a house
Sir u have clearly explained and now Iam planning to invest in SIP for my kids
Thanks Bro Nalla sonninga nallavela naan poyi sontha veedu katta loan poda paathen. my goodness neenga enakku oru clear path kuduthinga ❤
Sir, After 10 or 14 years, you will not get the land or flat at the same location that we prefer now. So house construction and marriage should be done on time. It is not always money. Own house is needed for generations and peacful life. You will not get same life with rental house especially when we have shift house when we switch our job.
EMI : peaceful life....hahaha
@@saravanakumargm7956 Paying rent: peaceful life .. ha ha ha..
13 years if you manage to stay in rent house, after that you can buy own house and also have big amount in hand by breaking SIP. Don't make wrong decisions by taking emi for 25 or 30 years.
Rent increases every year and cost of contrustion materials. Also after 13 years, you won't get empty plot at same location you wanted to build house.
@@rajeshkannans10 Rent increases, so is your salary, you will get a plot in the area which you planned bcoz after 13 years there will be someone to sell old land or building
I wont accept this concept... because in this calculation rent is fixed 12k but in future it should be increase and another important thing is atleast next generation wont be worry about rent they will live peacefully in their own house😃
We have calculated the yearly rental Increase for 5% upto 25 years, kindly watch the Full Video. And we are not sure that the Next generation will live same 25 year old house, even after you finish the EMIs.
If someone plans to buy house using loan, he should not pay emi till 25year. As soon as we get money we should plan to preclosure the loan in 5 years. Else we should not go for housing loan.
For aged people Noone is giving house for rent.romba yosikiranga.but own house irundha avangalala mudiyudho illayo eppadi venalum irukalam independent a.
Sip முதலீடு செய்வது எப்படி என்பதை எந்த App ல் எப்படி முதலீடு செய்வது என்பதை ஒரு வீடியோவாக போடுங்கள் எல்லோருக்கும் பயனுள்ளதாக இருக்கும் zerotha angel, alice blue etc
Wow! excellent video. Completely stunt with the calculations you have showed and given a clear picture on financial planning. You are rocking and thanks for sharing your thoughts and suggestions 👏👏👏
My pleasure!
No one can explain more clear than this...
Need vedios on gold purchasing as am a earning women.
Need vedios on land purchase.
Own House is a Kind a Emotional Connect which Indians we have in Mind.
We can try investment schemes but that's all comes from you own a house(atleast one)....whatever calculation he says it's only applies to upper middle class and high class
This is really helpful in constructing a good future, thanks brother
ivlo solra neenga vaadaga veetlaya irukinga Mr.Kishore?? :)
If SIP gives 14%returns, then why in all the advertisement, it is mentioned, subject to market risk. So there is no guarantee.
I invest 10k per month in SIP, it's 1.20 lakhs per month, profit is 16800(if it's 14%). Tax on return is 20%. 3360. So after 25 years, it would be 67 lakhs if 14% . Rent would have paid around 75 lakhs.
Rent would pay you 75L and that all will go to bank as EMI, nothing in hand.
What a sync , na yoschitu feel panitu irundha adhey time la neengalum solitenga sir that idhu en appa amma enaku panirndha nala irukumey ..
Appreciate your efforts in making this informative video 🙏🏼
The best explanation.. Thanks for sharing your knowledge 👍🏻
Glad it was helpful!
Excellent explanation brother. It may be an eye opener for many of us. Thank you very much.
Glad it was helpful!
Glad it was helpful!
this is the only video i need for test of my life to explain it to my fnds n foes why I'm still staying in rented house