Hai friends I took 20 lakhs loan with in 7 years I closed ....I taken 20 years loan period. but I used some method to close quickly...every year I will pay extra money for principal amount. And every rate of change I reduced my loan tenure.....last years I have balance of 9 lakhs ...I put my all jewels in to bank I closed all my home loan account...immediately. jewels yearly interest have to pay....per lakhs...550 rs.....now that nine lakhs also repaid and reback my gold jewels......
Ideally we shouldn’t go for loan until it is huge amount required for home , if we have no choice need to take this as opportunity and use it in better way that is his point of view. I too did the mistake as you said , instead if invested extra amount could’ve earned more than paid for loan.
@praba karan, all people mind set is same as you to get rid of home loan ASAP. But Every year purchasing power of our money will go down every year due to inflation. Let’s say if you taken loan with EMI 10K/ month for 10 years. During 10th year your 10K Amount will be around 5.5K of current value. If you have extra money invest in mutual fund where you can get good returns.
Some people said its wrong finance idea but in terms of money value after 15 to 20 years its not the same value like today. Todays 2000 rupees will be 200 rupees after 15 years. So its best to invest somewhere and go for long tenure.
இது உண்மை நான் துபாய்ல வேலை பார்க்கிறேன் ஸ்டாண்டர்ட் chattred பேங்கல loan எடுத்தேன். வட்டி அதிகமாக இருந்ததால் வேறு பேங்க்ல குறைவான வட்டிக்கு loan எடுத்து colse செய்தேன்..
Worst idea ever.. please dont misguide the viewers. Initial 5-10 years is so crucial in home loan because large amount of the money which u pay in these years will be taken for interest amount only.. so always try to finish home loan as soon as possible by paying extra emi to refuce principal amount👍👍
Neenga financial advisor ah Enakku doubt ah erukku.. initial period la thaan interest component high ah erukku, appo taking loan for shorter duration thaan Unga over all interest component ah reduce pannum. Neenga 15 years SIP la money pottu 15 years ikku appuram Neenga Atha eduthu loan ah close pannum nu sollurathu, Romba muttal thaan ama erukku. Antha time la Unga interest Romba kammi ah erukkum. Best way is take loan for shorter duration, If you can pay the EMI and do partial payment in the first 5 years.
Wrong idea . Completely wrong. Best reduce the year and increase the emi. You can save lot on interest by doing above. Repayment after 15 years useless as bank take your 90 % interest . You will pay principle with very small interest. I don't how he is saying financial advisor.
he is promoting sip. instead he can say go. for emi only when you have 50 % of total cost of home and take a long term emi and make huge savings and pay additional amount other than regular emi. this is the only way to save your money from interest
if you close the loan soon you save on bank interest which may be more than SIP saving. this content may lead to you wrong finance practice. be careful!
Refinance is not advisable it will not save you anything instead it will increase your tenure and will start a fresh EMI where your interest amount will be higher and principal amount will be lower best way is to take a long term loan and try to finish it in a short term
எனக்கு itr இல்லை, ஒரு தனியார் ஃபைனான்ஸில் வட்டி அதிகத்தில் வீட்டு கடன் வாங்கி இருக்கிறேன். அதை எந்த வங்கியில் balance transfer செய்யலாம்.. please reply sir
ஏன் சார் தலையை சுத்தி மூக்கை தொட வேண்டும்.. முழு பணத்தையும் SIP ல 15 ஆண்டுகள் முதலீடு செய்து பின் வரும் முதிர்வு தொகையில் ஏன் சொந்தமாக வீடு வாங்கலாமே..மொத்த EMI தொகையும் investment ஆ மாத்தலாமே..
SIP என்பது உங்க காச வெச்சு அவங்க தொழில் பண்ணுவாங்க..அதில் வரும் லாபமும் நஸ்டமும் உங்கள் விதி படி கிடைக்கும்..அவங்க உங்க பணததில்தான் கமிஷன் எடுப்பார்கள்..அவங்க life நல்லா இருக்கும்..நீங்க விதிப்படி வாழ்வீர்கள்
SIP full huh investment panna 10% varum sure huh solla mudiyathu. Loss aga vaipu irruku. Plus profit la tax vera pay pannum ithu ethuvum solla matanga 🤷
Why can't we finish the load save all our savings so the return will be huge Investment intrest is not that higher than home loan I don't think so Basically banks give us more the and collecting less Then their business will be loss
வணக்கம் சார் உங்களின் வீடியோ கடைசி வரை பார்த்தேன். 15 ஆண்டுக்கு வீ கடன் வாங்கும் போது 05/08/15 வட்டி 9.45% வட்டி சுழற்சி முறைக்காக ரூ 2360 செலுத்திய. பிறகும் அதே வட்டி 3 ஆண்டு எடுத்தார்கள் .2021-22ஆண்டிற்கான வட்டி7.40% ஆனால் எனது EMI மட்டும் அதே தொகை பிடிக்கிறார்கள் .15 ஆண்டுக்கு முன்பே முடியுமா சார்?
To withdraw 26 Lacs from sip or mutual fund, 15% tax (10% +4% cess) on profit 13L ( 25L-invested 11L) tax is 2L, mutual fund exit load charge 1-2% , so out of 7L benefit over loan emi, benefit is 4.5L which is nothing compared to market risk on those MF and inflation, provided if there is no recession during that time period of 2-3 years when we withdraw.
15% Tax is only when you withdraw your MF units before one year. After one year you may need to pay only LTCG tax which is 10% on your profit. For an example your profit is 1L you need to pay 10K as LTCG tax. I really do not understand what you meant to say""Around 4L goes to tax so out of 7L benifit is only 3L "'"
@@srinath710 i have a doubt suppose if i invested in SIP for 10 yrs, aftr 10yrs if my totoal investment is 18 lak and i got 25 lak So my profit is 7 lak My doubt is whether the tax is only for profit 7lak or my whole amount 25lak ?? And how much will be the tax % for that 7 lak??
@@vasanthan3426 so your total investment is 25L and profit is 7L . So you need to pay tax only for the 7L (70k) . Not for 25L . That is beauty of mutual funds
@@srinath710 I updated the calculation. In the video he said at the time of 15 years, mutual fund gave 25L where you can pay outstanding loan amount 19L, and can save 7L when you keep loan for 20 years and invest that 6200 monthly in mutual fund for 15 years. I said 2.5L goes for tax, actual benefit is 4.5L, not 7L.
சார் எனக்கு இப்ப 7.75 வட்டி விகிதம் போயிக்கிட்டு இருக்கு. இந்த வருஷம் 5900 ரூபாய் கட்டினால் எனக்கு 7.35 வட்டி விகிதமாக குறையும் என்று சொல்கிறார்கள். இது எனக்கு லாபமாக இருக்குமா ?. 0.4 சதவிகிதத்திற்காக 5900 கட்டலாமா ?
Can you please tell us. I am earning good all my expenses after my saving 50000 rupees per month. I am NRI person. What idea for good investment. do you have idea for my future and my two daughter future too.
Worst strategy. This will increase your interest you are paying. Try to reduce the EMI duration to avoid paying excess interest. If you do Tax calculator comparison you can see the difference.
Without taking home loan I like to buy a new plot and built my dream house. May I know the how much time and money it will take. Any expertise who already built there dream home???
Sir i am chithra from dharmapuri district yevlo you tube channel la neraya channel la women entrepreneur ku loan kedaikum nu solranga ana ithu ellam video kaga mattum than nijathula ila bank la loan ketta apdi scheme ila nu solranga na coffee shop franchise yedukalam nu try panren but enaku bank loan kedaikala please yarachum guide pannunga 🙏🙏
Avalo lam avasiyam illa boss... Capacity to pay per month-45 k 7 years ku monthly house rent- 5 k Balance 40k ahh montgly invest panuna, Easy ahh 7 years la 50 lakh kai la irukum... Atha vachi V2 vangiralamey... Don't fall into EMI trap.
Very good advice. Thankyou. If you have some ideas which is stability and safe for investment. For our wealth producing investment also for our future.
Sir 50 lakhs loan for 15 yrs means finally I need to pay 81 lakhs. If I increased for 20 yrs it's total mat to be pay 91 lakhs. If I increased yr final match also increasing
41 lakhs for inflation. Its profit only to us. If we purchase gold now after 20 years? We will get more salary after few years , so it will reduce burden year on year
Watch his idea clearly bro . He says that if we are ready to pay EMI of 44k for 15 yrs then also he asks us to eat it to 20yrs our EMI will be reduced to 38k , he asks to invest that balance amount in MF @ good interest rate for same period bro . It's sounds good idea I thinks so . 🤔
உபயோகமான தகவல் ஐயா மிகக நன்றி. இதை பொல் உபயோகமான தகவல்கள் கொடுங்கள் ஐயா
அய்யா தங்களது அரிஉரை மிகவும் நல்லது நன்றி வணக்கம்
மிகவும் நல்ல யோசனை. நன்றி. வாழ்துகள்
வீடு வாங்குங்கள்...ஆனால் அதை சொத்தாக பார்க்காதீர்கள்.. அனுபவிக்க வாங்குங்கள்..
Correct
நன்றி ஐயா மு௫கவேல் தாரமங்கலம் சேலம்
Akilesh TV like this post.... Super...... Amazing..... Keep it up......
Hai friends I took 20 lakhs loan with in 7 years I closed ....I taken 20 years loan period. but I used some method to close quickly...every year I will pay extra money for principal amount. And every rate of change I reduced my loan tenure.....last years I have balance of 9 lakhs ...I put my all jewels in to bank I closed all my home loan account...immediately. jewels yearly interest have to pay....per lakhs...550 rs.....now that nine lakhs also repaid and reback my gold jewels......
550rs per month ? or year? which bank giving 550rs? Please tell me
very gud stratergy,
@KP MUSICs thanks for the info... How often in a year you do partpayment?
good idea
@@rajendranchellasamy permonth and per lack
Example u r jewll put on bank for 5 laks monthly interest 2500rs
Very good information. Thanks
Thank u sir. .. Yenakku rompa use ah irukku sir☺️..
Thanks subash. Its very useful for us.
Fantastic advice. Thank you!
Athuku gold venum bro.. avalu gold ku enga porathu
Thank you for your information sir. Its very useful to me
Thank you for your clear explanation sir
I don agree with him... Instead of investment, accumulate and reduce the principle drastically with in first 3 years... U will save a huge amount..
Ideally we shouldn’t go for loan until it is huge amount required for home , if we have no choice need to take this as opportunity and use it in better way that is his point of view. I too did the mistake as you said , instead if invested extra amount could’ve earned more than paid for loan.
Exactly
Best way is always try to pay some extra amount with regular EMI, also pay some bulk amount whenever you have money. It will save huge amount
Wrong idea..
@@bhaskarsatheesh give better idea
@@PrabaCaptain correct idea only
May be good if ur interest rate above 8.5 or more . In current interest rate, investment is better than paying extra 1 or 2 EMI
@praba karan, all people mind set is same as you to get rid of home loan ASAP. But Every year purchasing power of our money will go down every year due to inflation. Let’s say if you taken loan with EMI 10K/ month for 10 years.
During 10th year your 10K Amount will be around 5.5K of current value. If you have extra money invest in mutual fund where you can get good returns.
Thank you sir your video is very useful
Super sir 🙏🙏🙏
very useful information.good.
Superb .. thanks for the tips
Good information sir..thanks sir
வீட்டு கடன் யாரும் வாங்காதீங்க கொள்ளை கும்பல் அனைத்து வங்கிகளும் ஆனந்த் சீனிவாசன் சார் வீடியோ பாருங்கள்..அவர் ஆலோசனை சிறந்த வழி 🙏
Don't misguide the people's
Send me the link
th-cam.com/video/ygY1YwEqae4/w-d-xo.html
th-cam.com/video/TRTqMnQ7HcY/w-d-xo.html
Correcta plan pannana no lose
Super sir.. Thank you so much sir...
Tq Sir I am applying loan but...... Confused
Very nice advice sir
Some people said its wrong finance idea but in terms of money value after 15 to 20 years its not the same value like today.
Todays 2000 rupees will be 200 rupees after 15 years. So its best to invest somewhere and go for long tenure.
இது உண்மை நான் துபாய்ல வேலை பார்க்கிறேன் ஸ்டாண்டர்ட் chattred பேங்கல loan எடுத்தேன். வட்டி அதிகமாக இருந்ததால் வேறு பேங்க்ல குறைவான வட்டிக்கு loan எடுத்து colse செய்தேன்..
Thank you very much for your valuable informations
Very super idiya
Not a good idea,
Job are not guaranteed nowadays,
Better to be always debt free,
Close the debt as soon as possible.
S
Super sir valuable tips
When I took home loan , I put a rule for myself to put the same EMI amount in a riskfree mutualfund to nullify the interest I paid to the bank
Which is riskfree mutual fund sir
tq sir super explain
Great idea sir
தமிழை மென்று துப்புகிறார்.
உங்க உரையை சரியாக அமைத்துக்கொள்ளுங்கள். பிறகு அறிவுரை கூறுவது எளிமை.
Very well said
Super speech
நன்றி 🙏
Ellaam romba romba nallavargal
Super msg sir
New perspectives 👍
Worst idea ever.. please dont misguide the viewers. Initial 5-10 years is so crucial in home loan because large amount of the money which u pay in these years will be taken for interest amount only.. so always try to finish home loan as soon as possible by paying extra emi to refuce principal amount👍👍
Hi Subash sir, how are you?
Neenga financial advisor ah Enakku doubt ah erukku.. initial period la thaan interest component high ah erukku, appo taking loan for shorter duration thaan Unga over all interest component ah reduce pannum. Neenga 15 years SIP la money pottu 15 years ikku appuram Neenga Atha eduthu loan ah close pannum nu sollurathu, Romba muttal thaan ama erukku. Antha time la Unga interest Romba kammi ah erukkum. Best way is take loan for shorter duration, If you can pay the EMI and do partial payment in the first 5 years.
சரியாக செய்யும் திறமை இருந்தால் வீட்டுக்கடன் உங்களுக்கு இலாபகரமான முதலீடு தான். நட்டம் அல்ல.
Business ஆரம்பிக்க எப்படி கடன் (முதலீட்டு) வாங்குவது...!
சிறந்தது ஏது ...?
வாங்கலாமா...?
கூடாதா...?
do not take ur money to bank in any manners...just buy gold coin and invest in land..these two r best option..
Good strategy sir...
Wrong idea . Completely wrong. Best reduce the year and increase the emi. You can save lot on interest by doing above. Repayment after 15 years useless as bank take your 90 % interest . You will pay principle with very small interest. I don't how he is saying financial advisor.
he is promoting sip. instead he can say go. for emi only when you have 50 % of total cost of home and take a long term emi and make huge savings and pay additional amount other than regular emi. this is the only way to save your money from interest
Useful for this video. Thanks sir
What about the total interest paid for 15 years vs 20 years loan? Interest rate will also go higher in future. Worst strategy.
U have to pay interest even if u r doing 1or 2 emi extra every year..
Correct.. These Guy is misleading
Loan account la irunthu eppadi amount transfer panrathu? Cash withdrawal panna mudiuma? Eppadi amount ah seller ku kudukrathu?
Good strategy, thanks for the info
Sir,10 laks housing loan apply panna ethana years la podalam evlo due amount varum,na first time vanga pore so sollunga sir
if you close the loan soon you save on bank interest which may be more than SIP saving. this content may lead to you wrong finance practice. be careful!
Mrs.Lalitha explained clearly about homeloan. Check same channel before 6 months அதிகம் லாபம் வேனும்ன இப்படி பன்னுக topic. She explained very clearly
Nah bro we get loan at 7% but still every fund/stock delivers more than 8% so it will be to invest rather to close
@@rrqrazor344 home loans diminishing interest rate. you get to pay more interest in the beginning of the tenure. so make your choice wise!
@@vinothindia yes you are correct sir!
It's depends on loan amount and tenure...
Home is not asset its a liability but it is assets to the bank and that's product they indirectly sells
Refinance is not advisable it will not save you anything instead it will increase your tenure and will start a fresh EMI where your interest amount will be higher and principal amount will be lower best way is to take a long term loan and try to finish it in a short term
எனக்கு itr இல்லை, ஒரு தனியார் ஃபைனான்ஸில் வட்டி அதிகத்தில் வீட்டு கடன் வாங்கி இருக்கிறேன். அதை எந்த வங்கியில் balance transfer செய்யலாம்.. please reply sir
Very useful sir thanks
Without enough income we cannot adjust any thing, our govt. Cannot help people, but getting tax indractly from us, what can we do for that.
Sir bonds la epdi sir invest panradhu
Pathil podunga pl custamer kekura santhekethuku
Other state IT RETURN vaiththu erunthu thamilnaattil home loan kidaikkumaa
கிடைக்கும் bro, only thing HRA and house loan should be in two different cities...
ஏன் சார் தலையை சுத்தி மூக்கை தொட வேண்டும்.. முழு பணத்தையும் SIP ல 15 ஆண்டுகள் முதலீடு செய்து பின் வரும் முதிர்வு தொகையில் ஏன் சொந்தமாக வீடு வாங்கலாமே..மொத்த EMI தொகையும் investment ஆ மாத்தலாமே..
SIP என்பது உங்க காச வெச்சு அவங்க தொழில் பண்ணுவாங்க..அதில் வரும் லாபமும் நஸ்டமும் உங்கள் விதி படி கிடைக்கும்..அவங்க உங்க பணததில்தான் கமிஷன் எடுப்பார்கள்..அவங்க life நல்லா இருக்கும்..நீங்க விதிப்படி வாழ்வீர்கள்
Antha nerathula ithey amount ku veedu kedachaaa okay than
Antah neraatula Chennai outer chegalpatu la veedu vangalam
SIP full huh investment panna 10% varum sure huh solla mudiyathu. Loss aga vaipu irruku. Plus profit la tax vera pay pannum ithu ethuvum solla matanga 🤷
Appo vikra price ku appo therium bro
Best sir
Try not to take loan, instead try to raise capital using your business or various legible means.
Re construction old EMI how to face pls sir
Why can't we finish the load save all our savings so the return will be huge
Investment intrest is not that higher than home loan
I don't think so
Basically banks give us more the and collecting less
Then their business will be loss
வணக்கம் சார் உங்களின் வீடியோ கடைசி வரை பார்த்தேன். 15 ஆண்டுக்கு வீ கடன் வாங்கும் போது 05/08/15 வட்டி 9.45% வட்டி சுழற்சி முறைக்காக ரூ 2360 செலுத்திய. பிறகும் அதே வட்டி 3 ஆண்டு எடுத்தார்கள் .2021-22ஆண்டிற்கான வட்டி7.40% ஆனால் எனது EMI மட்டும் அதே தொகை பிடிக்கிறார்கள் .15 ஆண்டுக்கு முன்பே முடியுமா சார்?
To withdraw 26 Lacs from sip or mutual fund, 15% tax (10% +4% cess) on profit 13L ( 25L-invested 11L) tax is 2L, mutual fund exit load charge 1-2% , so out of 7L benefit over loan emi, benefit is 4.5L which is nothing compared to market risk on those MF and inflation, provided if there is no recession during that time period of 2-3 years when we withdraw.
15% Tax is only when you withdraw your MF units before one year. After one year you may need to pay only LTCG tax which is 10% on your profit. For an example your profit is 1L you need to pay 10K as LTCG tax. I really do not understand what you meant to say""Around 4L goes to tax so out of 7L benifit is only 3L "'"
@@srinath710 i have a doubt suppose if i invested in SIP for 10 yrs, aftr 10yrs if my totoal investment is 18 lak and i got 25 lak
So my profit is 7 lak
My doubt is whether the tax is only for profit 7lak or my whole amount 25lak ??
And how much will be the tax % for that 7 lak??
@@vasanthan3426 so your total investment is 25L and profit is 7L . So you need to pay tax only for the 7L (70k) . Not for 25L . That is beauty of mutual funds
@@srinath710 thanks brother ...whether it is 10% only or any other additional tax is there??
@@srinath710 I updated the calculation. In the video he said at the time of 15 years, mutual fund gave 25L where you can pay outstanding loan amount 19L, and can save 7L when you keep loan for 20 years and invest that 6200 monthly in mutual fund for 15 years. I said 2.5L goes for tax, actual benefit is 4.5L, not 7L.
👍.... 👏👏👏.. 🙏
சார் எனக்கு இப்ப 7.75 வட்டி விகிதம் போயிக்கிட்டு இருக்கு. இந்த வருஷம் 5900 ரூபாய் கட்டினால் எனக்கு 7.35 வட்டி விகிதமாக குறையும் என்று சொல்கிறார்கள். இது எனக்கு லாபமாக இருக்குமா ?. 0.4 சதவிகிதத்திற்காக 5900 கட்டலாமா ?
Can you please tell us. I am earning good all my expenses after my saving 50000 rupees per month. I am NRI person. What idea for good investment. do you have idea for my future and my two daughter future too.
Sheet house live happily. Don't take risk. Home loan like titanic ship be careful
super sir
Worst strategy. This will increase your interest you are paying. Try to reduce the EMI duration to avoid paying excess interest. If you do Tax calculator comparison you can see the difference.
Thanks sir
Tq u brother
Without taking home loan I like to buy a new plot and built my dream house. May I know the how much time and money it will take. Any expertise who already built there dream home???
Sir i am chithra from dharmapuri district yevlo you tube channel la neraya channel la women entrepreneur ku loan kedaikum nu solranga ana ithu ellam video kaga mattum than nijathula ila bank la loan ketta apdi scheme ila nu solranga na coffee shop franchise yedukalam nu try panren but enaku bank loan kedaikala please yarachum guide pannunga 🙏🙏
Avalo lam avasiyam illa boss...
Capacity to pay per month-45 k
7 years ku monthly house rent- 5 k
Balance 40k ahh montgly invest panuna,
Easy ahh 7 years la 50 lakh kai la irukum... Atha vachi V2 vangiralamey...
Don't fall into EMI trap.
சார் ரீ லோன் கிடைக்குமா
Enaku oru doubt yentha bank la home edutha namaku benefit sollunga
If I pay the Rs 6500 as part payment every month..I can able finish the loan Faster..
Yo 20 years la avan total ah 91 laks katturan
Ana 15 years scheme la 80 laks than katturan
Mortgauge loan patri sollunga
Sir ennudaya lone 9.500000 lk
2 salary vichithan vanki irukkan sir nega sonna REPO apply panna mudium sir
HFFC BANK vanki irukkan sir
But 15 years ku aprm 8 1/2 laksh.. Valu kammiya irukkumla
Thanks Subash
Very good advice. Thankyou. If you have some ideas which is stability and safe for investment. For our wealth producing investment also for our future.
Sir SIP safe??? Loss avathungala??
Tq sir
Sir, I have a doubt... how to reduce the years inbetween home loan... example my home loan is 30yrs but now I want to reduce 20yrs how can I do it ?
nice
வீடியோ சவுண்ட் பத்தாது நண்பா சத்தமாகப் பேசி வீடியோ பதிவிடுங்கள்
What is SIP ?
கடன் வாங்கி வீடு வாங்காதீர்
இந்த ஒரு வார்த்தையில் பல அர்த்தங்கள் ஒளிந்துள்ளது!!! புரிஞ்சவன் பிஸ்தா!!
Yes உன்மை
Sir 50 lakhs loan for 15 yrs means finally I need to pay 81 lakhs. If I increased for 20 yrs it's total mat to be pay 91 lakhs. If I increased yr final match also increasing
41 lakhs for inflation. Its profit only to us. If we purchase gold now after 20 years? We will get more salary after few years , so it will reduce burden year on year
Watch his idea clearly bro . He says that if we are ready to pay EMI of 44k for 15 yrs then also he asks us to eat it to 20yrs our EMI will be reduced to 38k , he asks to invest that balance amount in MF @ good interest rate for same period bro . It's sounds good idea I thinks so . 🤔
Worst advise reduce the time period appo dhan interest kammi agum ivar solradhu interest agama agum
Paithiyam...last five years dhan principal amount eh koraiyum...