मैंने मेरे पिताजी से रैंजर साइंकल सीधे हेंडल वाली मांगी थी तब पिताजी ने मुझे पटक पटक कुटाई की थी 🤣🤣 और पापा ने इस काबिल बनाया की आज पापा को खेत भी सफारी मे लेकर जाता हु ✌️
You clearly don't know the concept of "time value of money". Loan emi is paid monthly, which means I started returning the money from next month onwards. But in FD, I get my money back after 3 years only. This makes a huge difference. Pls review the accounting concepts.
Real reason that business men have car loan is that they will own the car in the name of their company and will get 10 percent depreciation on the the car on yearly basis as tax rebate moreover they will also get service and fuel cost rebate from their original income of the company. salaried Individual will not get such rebates from the government. Actually, one should not take car loan more then 10 percent of their monthly income as a general rule.
@@mohanturaga6304koi pagal nhi h abhi cash mai car ki price 10 lakh h aur emi mai 15 lakh ki.pdh rhi h kiska dimak krab h jo cash hote huwe bhi 5 lakh extra denge log 1 rs bhi extra nhi dete h 😂😂😂 yha 10 lakh ki cheez ki emi pr 15 lakh denge 😂😂
To add more 1. Ethanol at E20 which will spoil old vehicle. 2. Don't buy any car, it's just a illusion. 3. Owning a car is full of problem, just to save that 10-15 min required to book a cab or priority cab. 4. No car means it will support environment. 5. No parking and maintenance headache. 6. Take a basic small car, less on maintenance yet serves the emergency purpose. 7. Btw our cities are choked up badly, even in case of emergency one can use scooty to take the patient.
1st- aapke pass 16,85,000 rs hone chaiye. 2nd- aap aapne 6,85,000 ki down payment ker do or 10,00,000 ko khi bhi invest ker do. 3rd - aapne jo 10,00,000 ko invest kiya h uska profit apko 3 year baad milega. Lekin aapko isi beech EMI bhi bharni h ...... 4th- 31,000 ki EMI +. Other expenditure To iska matlab aapki monthly salary ya profit bhut sara hona chaiye.jo middle class ke liye to asaan nhi h .😮😮😮😮
Shi pkde he😂😂😂 Ye video bhi ameero ke liye hi he😂 Or ye video bnane wala bhi ameer aadmi hi he audi he bhai ke pass or 18 ki age me bete ko thar dila di😂😂😂
True, I never seen any youtuber consider this fact when they brainwash viewer. Principal amount will be reduce after every EMI payment. you need to consider this if you really want to provide correct information.
This is main point how can he get emi amount every single month when he deposited all 10l in bank how bank will give him interest every month to ease from emi...
बुरा लगा आपके पिता जी के लिए, पर भाई ये दुनिया ऐसी ही है, हिम्मत रखो यही कहूँगा आपसे, मैने खुद बहुत धोखे खाए हैं, बस अच्छे कर्म करते रहो, भगवान आपको हमेशा ख़ुश रखे 🙏🏼
Wonderful sir, thats why the rich peoples are growing very fast, Mr. Robret Kiosaki also use this method. His wife wished to buy a car and then he purchased a property and rentout. from this rent he was paying the car installments, at the end the installments over and the property hw owned and later on thats property value increased after some time. Wonderful " Formula "
Bro USA rate of interest was 1 percent back then here in India car loan is at 9 to 10 percent and house loan is at 8 to 9 percent and rental returns in India are .05 percent of the total value of property at max that formula will not apply here don't get confused by these financial tricks.
Sir जी 2मै भी गाड़ी खरीदने का मन बना रहा हु पर मेरे पास बजट 100, 000रु है बस Emi कहा से बरूगा इस बात से डर रहा था पर अब sermarket से पैसा वसूल करुग आप की viedo देख के बहुत बहुत धन्यवाद sir ji मेरे आप की बात समझ मे आ गई है ❤❤❤❤❤❤❤❤
THE COMMON PEOPLE ARE WORST VICTIM OF GALLOPING INFLATION & FREQUENT INCREASE OF TAXES & DUTIES BY GOVT WHICH IS EATING AWAY MONEY OF COMMON MAN. SO THERE WILL BE MORE SERIOUS DOWNWARD TREND IN SALE OF CARS. INDIAN ECONOMY IS NOT ACTUALLY FLOURUSHING. ONLY FALSE PROPAGANDA IS MADE BY GOVT AGENCIES WHICH IS FAR FROM TRUTH. POLITICAL CORRUPTION HAS STALLED ALL DEVELOPMENTAL ACTIVITIES. SO THERE IS NO CHANCE OF ANY IMPROVEMENT IN FUTURE.
Sir, tell me one thing. If someone has that much money (16-20Lakhs) to spend in cars usse kya farak parta hai ki 3 saal badh 1 Lakh save hoga ya nehi. Mera toh ek hi cheez manna hai. Buy cars second hand from 1st owner between 3-5 Lakh. Use it for 3-4 years then again sell it ( You will get 1.50-3 Lakh) or exchange it with another.
Best option in my opinion is to start paying EMI and side by side start a SIP in a mutual fund!! You can recover the interest paid in EMIs from the mutual fund investment over few years!!
Wrong calculation. You are paying EMI every month therefore your capital reduces every month therefore your investment in FDs also reduces accordingly. You have given your son wrong advice.
Isse better option yeh hai ki 7 years ki Emi banwao and 10 L ko mutual funds mey laga do 7 saal ke liye. Aap diff dekh lena interest diya 8.75 to 9 % and ayega 14-15 % .aur Emi bhi 7 years ki bhaut kam ayegee jo aap nikal paoge easily from your monthly income. May b I am wrong but I feel it’s the better option . 3 saal mey mutual fund return nahee dega this is only if 7 years emi
FD profit par 30% tax every financial year so 72500 / profit per year after tax will be 50750/ effective For 3 years will be152250.😮 Total 11,52,250~1140624=11400/ only😅 And loan processing charges and many hidden charges🎉 Khaya Peenya much nahi aur …. And Unsecured loan nightmare 😂😊
@@vanshpatel7605 we have to pay tax on fd interest also at the rate of 10% if you come under 5lac bracket but according to him the person who have cash of 16lac he will surely come under 30%tax slab so total tax on fd will be around 30% gdve
He is correct, whoever is not able to understand his video it's there mental ability. Always keep in mind, When you invest, interest goes in compounding while when you take loan it goes on reducing. Hence even if you do FD you will beat the loan interest it's simple.
Rate of interest on loan is always higher than rate of interest on FD. How can purchasing car on EMI & investing spare money in FD be beneficial proposition ?
This is because of reducing rate of interest on loan and compounding interst on FD.. I know this calculation since long and practically doing it. Dr. Maheshwari is 100% right.. Now, it's your turn to understand.
मेरे हिसाब से अगर गांव के लोग अगर वीडियो देख रहे है तो ओ अभी गाड़ी ही ना ले आप अपने डाउन पेमेंट को 4 गाय खरीद लो और फिर 3साल बाद ओ गाड़ी को नगद ले बाकी लफड़ा मत पालो ये सब पैसे वालो के चोचले है जिसके पास पैसा होता है वही ये कर सकता है खाली जेब वाले नहीं कर सकते उल्टा गाड़ी ही शोरूम खीच कर ले जायेगा इज्जत तो जायेगा ही प्लश पैसा भी दोनो मैं घाटा
31000 की emi hai to utna paisa agar aap invest karte ho to definately jada ho jayega . Lekin aapne flat calculate kiya 31000 x 12 lekin aap har mahine dete ho to uska interest on interest calculate karo.
Video banana ke liye kam se kam Sahi calculation to karte, rate of interest 8.75% hai to 1 saal me interest 10 lacs par 87500 hota hai, dusre saal 61888 rs hua, or teesre saal 28620. Total interest hua 178008rs. Ye mat bhulo ki bank interest par hi paisa kamata hai. Ek baat or jab aap bank se interest le rhe ho to 8.75% ke hisab se 140000 rs lagbhag or agar aap fd karwa rhe to 7.25%pr jyada kaise, kripaya logon ko jhuti jankari na den. Dhanyavaad
One more point is yet to add in your topic, inflation rate is 6 % per year and rate of interest in 8.5% so final rate of interest is only 2.5% per year
It's not to pay the EMI, it is to hedge your money against the overall interest of the loan tenure. So that when your loan tenure is over, you make more money in FD compounding as compared to the interest paid on the car loan. Although you pay more interest on car loan and get less interest on F. D, Your car loan amount starts decreasing every month with repayment, and FD amount keeps compounding year on year.
ha ha, i came here to write the same comment but now i dont need to... i dont think he has earned any money, must be enjoying parent's money, like his son :D
I am surprised by the comments from viewer's, he is presenting such a good idea, people are asking from where he will pay the emi. First of all, how many people have those 10 lakhs, if he has 10 lakhs, then he has the capacity to pay the emi's. Protecting capital is the fundamental rule, loosers can only afford to loose capital, loosers. Hats off to you Bro, good job, keep it up
Sir, need clarification. If I am keeping all my amount in FD, then still I am paying the emi for the loan amount. So here my actual fixed deposit will not be same till 3 years as I am paying the emi. So relatively the interest will come at the end will not be the same.
सर लेकिन FD की रेट बहुत कम हो गयी है बाहर तो लोग पैसे उधार लेके देते नही ब्याज तो कहा मिलेगा मुल भी मर जाएगा और स्टाक में नालेज लेनी चाहिए वरना बाक्रेज चार्ज इतने है कि सारी सेविंग खत्म भारत की आर्थिक नीति गरीब के पक्ष में नही है और वही जब नई गाड़ी लेते है नगद में बिगती भी जल्दी है वह अगर किश्त में है तो मॉडल टुट कर बिगती भी कम है बताए कौन सा मैथ युज किया सर❤❤
Bhai mene bank se 7 lakh ka loan liya ,or ab wo byaj pe chadaye hue hai gold ke badl 3% par month,or loan ki kist 10hajar aati hai mahine ki or 21hajar mahina byaj banta hai ,kist bhi bharta hu or kam bhi chal jata hai ,bahut pahle soch liya tha ye sab , rajsthani hu bhai ye sab hi sochte rahte hai din bhar
Soo good Sir till than loan period service also carried very well if car gone to service station after accident then rapid repairing possible not done on time then you can right to stop emi till then car fully repairing
Wrong calculation fd Rd, EMI principal amount will be deducted every month in your account, but your investment by stock market and mutual fund will be profited
Wrong calculation hai. Aapne sikke ka dusra pahalu nahi dekha. Apne bas per month interest ko leke calculation kar li lekin jo emi deni padegi each month usko bhi to dhyan me rakho.. Isse accha to cash pe car lo aur jitna emi me paise doge us amount ko RD Or SIP me lagao fir dekho calculation kuchh aur hi aati hai..
arey bhai..wo.business ke baare me bol rha hai..SIP is for them.who cant do business..SIP me 20% se zyada paisa nahin ayega... business me 100% bhi ata hai..
@@ApulicaOfficial bhai video dhyan se nahi dekhi shayad tumne. usne ye video bana ke apna business kar liya aur hame ullu bana gaya. is video se kisi aur ko fayeda ho ya na ho video banane wale ko jaroor hua hoga.
Sir .. i already using this method to save my capital and calculate on the basis of mutual fund rate of return i.e. 12 % .... However u missed the most important aspects ..i.e. inflation ... After 3 years even u are paying x amount of interest.. but that is nominal value .. it's actual value is more less .. thats why buying on loan is best option 😅
8:23 वैसे ब्याज पर पैसा देना गैर-कानूनी है, परन्तु किसी व्यक्ति को निर्धारित सरकारी ब्याज रेट से ज्यादा ब्याज लेने पर कार्यवाही भी की जा सकती है। ज़ब भी ले एक एग्रीमेंट बनवा के जरूर ले।
Sir amazing concept bss ye samajh ni aya ki 16 lakh ki gaadi hai usme 6 lakh downlown payment krdi 10 lakh fd krdi fir EMI kese bharunga m 😁🥲🥲 meri tou koi job bhi ni h😅
To bhai tu ek sath 10 lakh de raha h ek sath, or EMI me tu 39k de raha to dono difference h naa, 960000 to bache na FD ke liye or agar FD bhi agar instalment me dete ho to bahut sari bank h to 9% ka rate deti h FD pr or agar pesa mutual fund or bond laga h to or profile hoga. To abhi bolo kia better h.
Even if your money stays put in the bank, you can do a calculation and see how much interest you're earning on your reducing balance as you pay your EMI. If it's more than the interest you're paying then it's a good idea to take it on loan. If not, better to buy outright if you can.
Sir you are wrong 1000000 per 8.5% ka interst loan ka hisab sa 85000 ek sal ka interst banaga or mahina ka 7083 rupee or 3 year ki emi banagi 34861 rupee and interst you payed in 3 years is255000 ruppes so you are wrong at 06:47
Bhai thoda dimag use kar lete toh ye comment nahi karte. Mere bhai har month aap emi pay kar rhe toh toh loan ka amount jispe interest lagega wo bhi kam ho rha hai.
@@AnkurKumar-xn1nrbhai thoda tum bhi kabhi car liye hote to jante amount emi Dene se kam to hota hai par company wale usi par interest jodte hai jitna amount tumne loan liya tha
It's like I have 30 lakhs and I want to start a business but keep my 30 lakhs in my account safe and take loan I built a rented house of like 20 rooms and two room rent is like 5000 and in 5 years I will pay all the emi of loan and that whole building will me mine and my 30 lakhs is also safe😊😊
Mr. Expert, fail to understand your solution where you are paying 9% interest for car loan and getting 7.25% inerest through FD and still saving money? How?
अगर उस 10 लाख के गेंहू खरीद कर खेत में बो देते, और अगर एक गेंहू से 20 गेंहू होते, तो अंदाजा लगाइए कि मात्र 4 महीने में 10 लाख के 2 करोड़ हो गए होते....
only farmer knows that 20 dane pakane ke liye 19 dano jitna kharcha karna padta hai , gehu ki fasal sirf seed se nahi hoti ,bhai , 1 acre cost land rent - 12000 water bill - 5500 seed - 3500 tractor bill - 3600 labour cost - 8000 total - 32600 production - 8 quintal (if climate is in fever) rate 1 quintal - 2500 total - 20000 at last - 12000 loss
Calculation is totally wrong, u have taken 3906 per month rate of interest while you have calculated per month interest on full loan amount of 10 lakh. It should be calculated on 27777. Therefore the rate of interest would be 14.06%
Concept acha hai lekin ganit galat hai . Short & Sweet. agar loan liya hai 8.75% se toh investment pe return 9 to 9.25% minimum returns agar kama sakte ho toh yeh kaam karo varna nahi. Aur dusra sabse bada factor, car is a liability for middle class aur car ek depreciating asset hai ,yaane aap logo ko yeh bol rahe ho ki 10 lakh ki cheez ko 11.5 lakh main kharido jiski kimat 3 saal baad 10 se utarkar 6 lakh hogi ( assuming car value is 10 lakh and not 16 or 17 lakh ) . Aur inn 3 saal ke beech unfortunately agar car ka accident hua and car scrap hota hai toh byaaj toh chalu rahega car ka bus car nahi hoga chalane
![[MV] A leap of faith...ความเชื่อใจครั้งสุดท้าย (From "Petrichor the series")](http://i.ytimg.com/vi/U1piZH2CNXA/mqdefault.jpg)
मैंने मेरे पिताजी से रैंजर साइंकल सीधे हेंडल वाली मांगी थी तब पिताजी ने मुझे पटक
पटक कुटाई की थी 🤣🤣
और पापा ने इस काबिल बनाया की आज पापा को खेत भी सफारी मे लेकर जाता हु ✌️
True buddy
You clearly don't know the concept of "time value of money". Loan emi is paid monthly, which means I started returning the money from next month onwards. But in FD, I get my money back after 3 years only. This makes a huge difference. Pls review the accounting concepts.
😂😂
Bilkul bhai shi hai ekdum
Boring concept
Real reason that business men have car loan is that they will own the car in the name of their company and will get 10 percent depreciation on the the car on yearly basis as tax rebate moreover they will also get service and fuel cost rebate from their original income of the company. salaried Individual will not get such rebates from the government. Actually, one should not take car loan more then 10 percent of their monthly income as a general rule.
Don't divert the issue. Topic is loan vs full payment.
@@mohanturaga6304koi pagal nhi h abhi cash mai car ki price 10 lakh h aur emi mai 15 lakh ki.pdh rhi h kiska dimak krab h jo cash hote huwe bhi 5 lakh extra denge log 1 rs bhi extra nhi dete h 😂😂😂 yha 10 lakh ki cheez ki emi pr 15 lakh denge 😂😂
@@sniperking271 apki bath sahi hain ,gadhiyo par emi majburi main lete hain light jabhi chuka nahi pate tabhi bank gadhi janat kar leti hain
To add more
1. Ethanol at E20 which will spoil old vehicle.
2. Don't buy any car, it's just a illusion.
3. Owning a car is full of problem, just to save that 10-15 min required to book a cab or priority cab.
4. No car means it will support environment.
5. No parking and maintenance headache.
6. Take a basic small car, less on maintenance yet serves the emergency purpose.
7. Btw our cities are choked up badly, even in case of emergency one can use scooty to take the patient.
All people especially salaried do not go for share market...not easy for them...most people might agree...but maximum won't...
ये सब तो मे पहले से जनता हु पर आप का समझाने का तरीका मुझे बहुत acha laga❤
I am 100% agree that money should work for you you should not work for money.Go in stock market for long investment.
1st- aapke pass 16,85,000 rs hone chaiye.
2nd- aap aapne 6,85,000 ki down payment ker do or 10,00,000 ko khi bhi invest ker do.
3rd - aapne jo 10,00,000 ko invest kiya h uska profit apko 3 year baad milega. Lekin aapko isi beech EMI bhi bharni h ......
4th- 31,000 ki EMI +. Other expenditure
To iska matlab aapki monthly salary ya profit bhut sara hona chaiye.jo middle class ke liye to asaan nhi h .😮😮😮😮
😊😊😊
yes i also think same
Shi pkde he😂😂😂
Ye video bhi ameero ke liye hi he😂
Or ye video bnane wala bhi ameer aadmi hi he audi he bhai ke pass or 18 ki age me bete ko thar dila di😂😂😂
Sahi bole
Hum too 6.85 lac ki hi gadi lenge 😂😂😂😂😂 jo down payment se hi aaa jaegi , WITH NO EMI NO TENSION 😅😅😅
From where we will get EMI Amount .... As 10L which says to invest, will also be reducing... So the interest in earning, too will reduce....
True, I never seen any youtuber consider this fact when they brainwash viewer. Principal amount will be reduce after every EMI payment. you need to consider this if you really want to provide correct information.
@@sanjibgayen7187 bhai tabhi to isne jo interest car par liya hai wo 4.65% hai reducing mei..see this video carefully
This is main point how can he get emi amount every single month when he deposited all 10l in bank how bank will give him interest every month to ease from emi...
मेरे पिता जी ने 6 लाख रुपए लोगो को ब्याज पर दिया था हृदय गति रुकने से वो परलोक सिधार गए लोगो ने 6 रुपए भी वापस नही किए
😂😂😂😂
Emi 33000 bhrni hai, interest 20000 ayega,,,,13000 apne paas se daalna pdega
😂😂😂😂😂
बुरा लगा आपके पिता जी के लिए, पर भाई ये दुनिया ऐसी ही है, हिम्मत रखो यही कहूँगा आपसे, मैने खुद बहुत धोखे खाए हैं, बस अच्छे कर्म करते रहो, भगवान आपको हमेशा ख़ुश रखे 🙏🏼
Ya nahin denge Haridwar mein denge bhai chinta mat kar
Wonderful sir, thats why the rich peoples are growing very fast, Mr. Robret Kiosaki also use this method. His wife wished to buy a car and then he purchased a property and rentout. from this rent he was paying the car installments, at the end the installments over and the property hw owned and later on thats property value increased after some time. Wonderful " Formula "
Today property prices are on sky & car prices are not high
Bro USA rate of interest was 1 percent back then here in India car loan is at 9 to 10 percent and house loan is at 8 to 9 percent and rental returns in India are .05 percent of the total value of property at max that formula will not apply here don't get confused by these financial tricks.
Robert kiosaki is in debt 😅
FD per incometax calculate nahi kiya
Sir जी 2मै भी गाड़ी खरीदने का मन बना रहा हु पर मेरे पास बजट 100, 000रु है बस
Emi कहा से बरूगा इस बात से डर रहा था पर अब sermarket से पैसा वसूल करुग आप की viedo देख के
बहुत बहुत धन्यवाद sir ji मेरे आप की बात समझ मे आ गई है
❤❤❤❤❤❤❤❤
😂😂😂😂😂
😂😂😂😂😂😂
Share market se nahi mil sakta paisa on time
भाई साहब आपका बहुत अच्छा वीडियो है समझदार को इशारा काफी है मैं इस तकनीक से ही काम कर रहा हूं एफडी और प्रॉपर्टी सबसे अच्छा विकल्प है
Gold is best option property can give u way more
But it can be a loss also
Gold is never loss
There is no history of a person who had loss in gold
Mutual fund investment is best
THE COMMON PEOPLE ARE WORST VICTIM OF GALLOPING INFLATION & FREQUENT INCREASE OF TAXES & DUTIES BY GOVT WHICH IS EATING AWAY MONEY OF COMMON MAN. SO THERE WILL BE MORE SERIOUS DOWNWARD TREND IN SALE OF CARS. INDIAN ECONOMY IS NOT ACTUALLY FLOURUSHING. ONLY FALSE PROPAGANDA IS MADE BY GOVT AGENCIES WHICH IS FAR FROM TRUTH. POLITICAL CORRUPTION HAS STALLED ALL DEVELOPMENTAL ACTIVITIES. SO THERE IS NO CHANCE OF ANY IMPROVEMENT IN FUTURE.
Vedio sahi banaya hai, comment karne walon me maximum logon ka ya to common sense nahi hai ya sirf ek doosre ko dekh k troll kar rahe hain
Sir if you only have 10 lakh rs and you took 10 lakh rs loan and you do fd of it then how will you pay emi every month? We wanted to know this.
Chutiya bana diya logo ko. Murkh wah wah kar rahe h.
Sir, tell me one thing.
If someone has that much money (16-20Lakhs) to spend in cars usse kya farak parta hai ki 3 saal badh 1 Lakh save hoga ya nehi.
Mera toh ek hi cheez manna hai.
Buy cars second hand from 1st owner between 3-5 Lakh. Use it for 3-4 years then again sell it ( You will get 1.50-3 Lakh) or exchange it with another.
I also have a similar opinion but sometimes I am very confused about whether to buy a new or old car 🤔
Bhaiii where to buy trustworthy 2nd hand car??
Agree
,
100%
Best option in my opinion is to start paying EMI and side by side start a SIP in a mutual fund!! You can recover the interest paid in EMIs from the mutual fund investment over few years!!
Wrong calculation. You are paying EMI every month therefore your capital reduces every month therefore your investment in FDs also reduces accordingly. You have given your son wrong advice.
Right
Only if you are getting better rate of return on your money, taking loan is better deal.
Bhai paise ni kamayega kya.. unemployed ho kya
Also 1.5% interest is almost 22 to 25 % interest per year, there is no such investment which can give such returns .....
He is doing wrong calculation
Isse better option yeh hai ki 7 years ki Emi banwao and 10 L ko mutual funds mey laga do 7 saal ke liye. Aap diff dekh lena interest diya 8.75 to 9 % and ayega 14-15 % .aur Emi bhi 7 years ki bhaut kam ayegee jo aap nikal paoge easily from your monthly income. May b I am wrong but I feel it’s the better option . 3 saal mey mutual fund return nahee dega this is only if 7 years emi
FD profit par 30% tax every financial year so
72500 / profit per year after tax will be 50750/ effective
For 3 years will be152250.😮
Total 11,52,250~1140624=11400/ only😅
And loan processing charges and many hidden charges🎉
Khaya Peenya much nahi aur ….
And Unsecured loan nightmare 😂😊
Car loan Interest can be shown as expense. And FD interest earned as income. So what the video says makes sense.
@@vanshpatel7605
How much difference in Profit ?
Please do and post math calculations .
@@vanshpatel7605 we have to pay tax on fd interest also at the rate of 10% if you come under 5lac bracket but according to him the person who have cash of 16lac he will surely come under 30%tax slab so total tax on fd will be around 30% gdve
Is ka dimaag kahrab huwa hai
Hi
He is correct, whoever is not able to understand his video it's there mental ability.
Always keep in mind,
When you invest, interest goes in compounding while when you take loan it goes on reducing.
Hence even if you do FD you will beat the loan interest it's simple.
Lol principal bhi dena hota hai emi ka 😂
Rate of interest on loan is always higher than rate of interest on FD. How can purchasing car on EMI & investing spare money in FD be beneficial proposition ?
cummulative fd will give you higher return in fd
What about income tax
Wrong analysis. Please compare by calculating present value of cash flow in both the system
Chips bech rha hai
This is because of reducing rate of interest on loan and compounding interst on FD.. I know this calculation since long and practically doing it. Dr. Maheshwari is 100% right.. Now, it's your turn to understand.
EMI mai paisa jayega uska kya ?? vo kha se jaege (10,00,000 to FD par hai EMI 30,000 X 12 = 3,60,000 Yearly)
You got 8.75 out of 100 in mathematics. Congrats 😂
😂😂😂😂
😂
😂
😂😂😂
Bhai tu loan leta rah fir to bus
मेरे हिसाब से अगर गांव के लोग अगर वीडियो देख रहे है तो ओ अभी गाड़ी ही ना ले आप अपने डाउन पेमेंट को 4 गाय खरीद लो और फिर 3साल बाद ओ गाड़ी को नगद ले बाकी लफड़ा मत पालो ये सब पैसे वालो के चोचले है जिसके पास पैसा होता है वही ये कर सकता है खाली जेब वाले नहीं कर सकते उल्टा गाड़ी ही शोरूम खीच कर ले जायेगा इज्जत तो जायेगा ही प्लश पैसा भी दोनो मैं घाटा
Bhai demotivate kyu kr rha hai😅
Iske pass gay bht hai
With your talks it feels to me you are continuously talking about your richness
dikhega nhi to bikega kese
He should he has earn that
Exactly...
31000 की emi hai to utna paisa agar aap invest karte ho to definately jada ho jayega . Lekin aapne flat calculate kiya 31000 x 12 lekin aap har mahine dete ho to uska interest on interest calculate karo.
Video banana ke liye kam se kam Sahi calculation to karte, rate of interest 8.75% hai to 1 saal me interest 10 lacs par 87500 hota hai, dusre saal 61888 rs hua, or teesre saal 28620. Total interest hua 178008rs. Ye mat bhulo ki bank interest par hi paisa kamata hai. Ek baat or jab aap bank se interest le rhe ho to 8.75% ke hisab se 140000 rs lagbhag or agar aap fd karwa rhe to 7.25%pr jyada kaise, kripaya logon ko jhuti jankari na den. Dhanyavaad
Janbujhkar ullu bana rahe hain🤣
8.75 me milega bhi nahi loan processing charj bhi lagta hai 5-6 hajar
एक साल पर 87500 की emi है एक साल का ब्याज 10 लाख पर 8.75% पर 48027 रुपए होता है
First you understand the calculation difference between Loan and FD. Without understanding the basic don't make non sense comments.
Car calculator se calculation dekhoge to Wahi Hoga jo dikhaya ja raha hai
प्राइवेट मैं किसको ब्याज से पैसे देना-ब्याज जाड़ा मिलता है but very risk पुरे पैसे डूब भी skta hai...., best ops hai SIP mai invest karo
Aap to bahut acche papa ho jisne 18 saal ke bacche ko 16 lakh ki thar de di very good aur bigaado bacche ko 👏👏👏
😂😂😂😂
Tabhi to accidents hote h
😂😂 sahi baat
Haan yaar! 1 aur chhapri taiyar kar diya
Well said
One more point is yet to add in your topic, inflation rate is 6 % per year and rate of interest in 8.5% so final rate of interest is only 2.5% per year
Inflation and a
Then adjust inflation in your emi as well
To emi b to same hi hai, EMI konse inflation rate pe increase ho rahi h.
Monthly sirf Interest thodi bharna hota hai... part of Principle amount + Interest bharna hota hai...
Are bhai agar 10 lakh ki FD ki to 7000 monthly milege fir 31000 monthly kaise bharenge
It's not to pay the EMI, it is to hedge your money against the overall interest of the loan tenure.
So that when your loan tenure is over, you make more money in FD compounding as compared to the interest paid on the car loan.
Although you pay more interest on car loan and get less interest on F. D,
Your car loan amount starts decreasing every month with repayment, and FD amount keeps compounding year on year.
Gud explanation,but i ll go for lumpsum sip...whare i ll get much better outcome...coz if you do sip on ryt tym you ll get above 15% growth.
Hats off to people who are liking his wisdom....
😂😂
ha ha, i came here to write the same comment but now i dont need to... i dont think he has earned any money, must be enjoying parent's money, like his son :D
@@pamelas5426 Is he from filthy rich family?
hahaha
true!!!
the way he is fooling everybody 😂
traditional rate of interest 😂😂😂
Bro he is giving false wisdom just to earn some dollars. Otherwise he is an utter fool to put this in practice.
I am surprised by the comments from viewer's, he is presenting such a good idea, people are asking from where he will pay the emi. First of all, how many people have those 10 lakhs, if he has 10 lakhs, then he has the capacity to pay the emi's. Protecting capital is the fundamental rule, loosers can only afford to loose capital, loosers. Hats off to you Bro, good job, keep it up
Sir, need clarification. If I am keeping all my amount in FD, then still I am paying the emi for the loan amount. So here my actual fixed deposit will not be same till 3 years as I am paying the emi. So relatively the interest will come at the end will not be the same.
Exactly
wisely left out the income tax of 30% in FD income. After deducting same, no profit in taking EMI
सर लेकिन FD की रेट बहुत कम हो गयी है बाहर तो लोग पैसे उधार लेके देते नही ब्याज तो कहा मिलेगा मुल भी मर जाएगा और स्टाक में नालेज लेनी चाहिए वरना बाक्रेज चार्ज इतने है कि सारी सेविंग खत्म भारत की आर्थिक नीति गरीब के पक्ष में नही है और वही जब नई गाड़ी लेते है नगद में बिगती भी जल्दी है वह अगर किश्त में है तो मॉडल टुट कर बिगती भी कम है बताए कौन सा मैथ युज किया सर❤❤
Whatsapp University wala 😃😃
How much amount should we pay down payment?? And how much amount of emi we should take???
If I am buying 11 lakh rs car and monthly income is 70000
This scheme can be applicable in stock market, either in shares or mutual fund.
Bhai mene bank se 7 lakh ka loan liya ,or ab wo byaj pe chadaye hue hai gold ke badl 3% par month,or loan ki kist 10hajar aati hai mahine ki or 21hajar mahina byaj banta hai ,kist bhi bharta hu or kam bhi chal jata hai ,bahut pahle soch liya tha ye sab , rajsthani hu bhai ye sab hi sochte rahte hai din bhar
Soo good Sir till than loan period service also carried very well if car gone to service station after accident then rapid repairing possible not done on time then you can right to stop emi till then car fully repairing
interest on FD is also taxable @10%; only if interest amount exceeds Rs.40,000.
Very good financial information..
Happy new year 2024
Wrong calculation fd Rd, EMI principal amount will be deducted every month in your account, but your investment by stock market and mutual fund will be profited
Wrong calculation hai. Aapne sikke ka dusra pahalu nahi dekha. Apne bas per month interest ko leke calculation kar li lekin jo emi deni padegi each month usko bhi to dhyan me rakho.. Isse accha to cash pe car lo aur jitna emi me paise doge us amount ko RD Or SIP me lagao fir dekho calculation kuchh aur hi aati hai..
arey bhai..wo.business ke baare me bol rha hai..SIP is for them.who cant do business..SIP me 20% se zyada paisa nahin ayega... business me 100% bhi ata hai..
@@ApulicaOfficial bhai video dhyan se nahi dekhi shayad tumne. usne ye video bana ke apna business kar liya aur hame ullu bana gaya. is video se kisi aur ko fayeda ho ya na ho video banane wale ko jaroor hua hoga.
👍
Shi hai bhai calculate krke
Itna Paisa agar kisi ke pass hai toh woh Sip 😂😂kyu karega ...
Income generate karega Naa..Bhai
@dr. Amit maheshwari sir kya agar hum pahle 3 saal stock market me invest karke or fir one time payment karke car le le toh kaisa rahega?
Actual video start at 5:10
Thanks alot
Sir .. i already using this method to save my capital and calculate on the basis of mutual fund rate of return i.e. 12 % .... However u missed the most important aspects ..i.e. inflation ... After 3 years even u are paying x amount of interest.. but that is nominal value .. it's actual value is more less .. thats why buying on loan is best option 😅
Thanks for this information. Agree with your views, though not totally clear on the calculation
Thanks for this information . ❤
8:23 वैसे ब्याज पर पैसा देना गैर-कानूनी है, परन्तु किसी व्यक्ति को निर्धारित सरकारी ब्याज रेट से ज्यादा ब्याज लेने पर कार्यवाही भी की जा सकती है।
ज़ब भी ले एक एग्रीमेंट बनवा के जरूर ले।
@11:25 bhai jab 8.75 % pe loan liya tw interest sirf 1,40,000 aya par jab 7.25 ki fd karwayi tw 240000 kese aagye? Time tw dono 3 saal ka tha
Loan jo liya uspe simple interest lagega..
Lekin fd jo kri uspe compound interest..isliye farak hai
Sir amazing concept bss ye samajh ni aya ki 16 lakh ki gaadi hai usme 6 lakh downlown payment krdi 10 lakh fd krdi fir EMI kese bharunga m 😁🥲🥲 meri tou koi job bhi ni h😅
भईया जी गाड़ी की किस्त तो हर महीने देनी होगी और अगर 10 लाख की FD करवा दी तो पैसे कहा से लायेंगे kist भरने के ।
Right 🤔
Bete ko majdoori Kara ke
Yes share market मे मै भी invested हूँ। gud knowledge❤
Thinking of forwarding this video to my Dad. He will have some inspiration 😂
🤣🤣🤣
बहुत अच्छा वीडियो डाला है आंखे खोल दी आपने
Bhai Fd krva doge ,tb monthly emi bi to pay karni h.
To bhai tu ek sath 10 lakh de raha h ek sath, or EMI me tu 39k de raha to dono difference h naa, 960000 to bache na FD ke liye or agar FD bhi agar instalment me dete ho to bahut sari bank h to 9% ka rate deti h FD pr or agar pesa mutual fund or bond laga h to or profile hoga.
To abhi bolo kia better h.
Even if your money stays put in the bank, you can do a calculation and see how much interest you're earning on your reducing balance as you pay your EMI. If it's more than the interest you're paying then it's a good idea to take it on loan. If not, better to buy outright if you can.
Bachcho ko bigadne ka isse achhcha vedeo nahi mil sakta😂😂😂😂😂😂
He wants to show him as a wise rich man
Bhai koi nhi bigadta need hai gadi 18 saal se upr k baccho ki
@@Sahilkumar-ix3xgacha wo bacha koun hai 😂
Baat mai dum hota agar ₹1140624 3 saal baad ikatthe Dene hote
Bavakoof RD Ko FD se compare kar raha hai.
Compounding doesn't work in stock market. First you have to book profit to reinvest.
Sir me 16 lac ka home lene wala hoon udaipur me capital 5 lakh he kya me loan pe home le sakta hoon ya capital increase hone tak ka wait karoon ?
interest on FD is taxable right ? what about GST on emi ? what about loan processing fees & bank charges?
Amitji, what about TDS on FD? Pl show and share your calculations in Excal.
1) EMI kaha se denge FD karenge to ? 2.) EMI salary se hi dena hia to FD kyu karna? Salary ki RD kar lenge na.
Nice calculation,
2024 ki best knowledge...
Thankyou
Kindly suggest some stock to invest or a portfolio to invest
Good morning sir, m manufacturers of silk n lilan febric, i want to export my febric in globally cau u plz help me 🙏
बहुत अच्छी सोच कि अगर ईश्वर का आशीर्वाद रहा तो मेरा बेटा बहुत बड़ी कंपनी बनाएगी क्योंकि बिना ईश्वर के आशीर्वाद के कुछ भी संभव नहीं
Sir you are wrong 1000000 per 8.5% ka interst loan ka hisab sa 85000 ek sal ka interst banaga or mahina ka 7083 rupee or 3 year ki emi banagi 34861 rupee and interst you payed in 3 years is255000 ruppes so you are wrong at 06:47
Bhai thoda dimag use kar lete toh ye comment nahi karte. Mere bhai har month aap emi pay kar rhe toh toh loan ka amount jispe interest lagega wo bhi kam ho rha hai.
@@AnkurKumar-xn1nrbhai thoda tum bhi kabhi car liye hote to jante amount emi Dene se kam to hota hai par company wale usi par interest jodte hai jitna amount tumne loan liya tha
@@piyushshort-j2l abe yrr bhai google pe type kar emi calculator aur khud dekh le..ye sab bakchodi se acha hai pehle verify karlo
When you are paying instalments you can't earn uniform interest for 10 lac rupees
It must be reducing amount that earn interest.
Thank you sir .
I am also following this pattern...
It's like I have 30 lakhs and I want to start a business but keep my 30 lakhs in my account safe and take loan I built a rented house of like 20 rooms and two room rent is like 5000 and in 5 years I will pay all the emi of loan and that whole building will me mine and my 30 lakhs is also safe😊😊
Life changing video
Well done and keep it up
to yourself 😂
Mr. Expert, fail to understand your solution where you are paying 9% interest for car loan and getting 7.25% inerest through FD and still saving money? How?
Depreciation की बात तो उड़ा दी😢
Thanks achi tarah samjhaya I hope yeh mai try zaur krughi
Thank you so much sir ek dam genuine content ❤❤
Best idea.. Ye bahut acha hai. Jiski soch garibo wali hai usi ko ye calculation samjh nahi aayega...
अगर उस 10 लाख के गेंहू खरीद कर खेत में बो देते, और अगर एक गेंहू से 20 गेंहू होते, तो अंदाजा लगाइए कि मात्र 4 महीने में 10 लाख के 2 करोड़ हो गए होते....
not a easy journey as we think
Or agar Mausam ki maar pad jaati toh 10 laakh dub jaate
@@arunparihar6560
भाई, ये एक व्यंग था,
ये समझाने के लिए, कि जबकि जमाने में और हकीकत में फर्क होता है...
only farmer knows that 20 dane pakane ke liye 19 dano jitna kharcha karna padta hai ,
gehu ki fasal sirf seed se nahi hoti ,bhai ,
1 acre cost
land rent - 12000
water bill - 5500
seed - 3500
tractor bill - 3600
labour cost - 8000
total - 32600
production - 8 quintal (if climate is in fever)
rate 1 quintal - 2500
total - 20000
at last - 12000 loss
@@naturalhealing1661 भाई, तीन फसल लिया करो, तब फायदा होगा...
Calculation is totally wrong, u have taken 3906 per month rate of interest while you have calculated per month interest on full loan amount of 10 lakh. It should be calculated on 27777. Therefore the rate of interest would be 14.06%
Sir 18% is managed by only Best Investors
Vegetable look so yummy ... Please be continue it's also look so amazing 😊
ईवीएम विश्वसनीय नहीं है ❤
Thuk😅
Concept acha hai lekin ganit galat hai .
Short & Sweet.
agar loan liya hai 8.75% se toh investment pe return 9 to 9.25% minimum returns agar kama sakte ho toh yeh kaam karo varna nahi.
Aur dusra sabse bada factor, car is a liability for middle class aur car ek depreciating asset hai ,yaane aap logo ko yeh bol rahe ho ki 10 lakh ki cheez ko 11.5 lakh main kharido jiski kimat 3 saal baad 10 se utarkar 6 lakh hogi ( assuming car value is 10 lakh and not 16 or 17 lakh ) .
Aur inn 3 saal ke beech unfortunately agar car ka accident hua and car scrap hota hai toh byaaj toh chalu rahega car ka bus car nahi hoga chalane
Very informative knowledge amit sir thank you
bhaiya jb mere pass hongy hi 16 lakh 6 mai down payment krdugi 10 lakh mai invest krdugi too phir emi kaha se laugi🙏😭
Great sir 👍
we get 7.5 percent in FD and the interest on car loan is around 10 percent
ऐसी ही बातें सुनने के बाद ज्यादातर EMI पर या तो गाड़ी खिंचती है या तो एफडी टूटती है 😃😃😃
Individual can’t give loan to other individual legally for secured loan
It’s called finance business you need a company for that
Ha or Samanewala 10 Lakh leke bhag gya ab😂 Doctors Sahab
Are dir ne kaha to secured matlab kisi cheej ke badle jaise gold ya koi property ke paper to agar bhaag bhi jayega to uske asset to hai na.
Jhandu reply 😂
Me souch rha hu 10 lakh kha se laun
Spilt krke de 10 logo ko 1 lakh ka bhai aur gold k badle de
बहुत सुंदर Sir Thank you, Knowledgeable Program.
श्रीमान जी आपने दस लाख रुपये बैंक में 3 साल के लिये जमा करवा दिये लेकिन जो हर महीने जो EMI जमा करवानी है वह कहाँ से आयेगी इस समस्या का हल बतायें
फालतू दिमाग खराब कर रहा है yarr, अगर आपका income 100 रु. है तो 10 से 20% emi बनवा लेना चाहिये,दिमाग ठंडा रहेगा😂😅
Ameer ya gov job wala leta hai loan apne according emi pay krta hai uska koi tension ni...hum gareeb loan lete hai khud uth jate hai dost
Sir aapka beta 18 ka ho gaya yakin nhi ho raha aap khud 30 ke lag rahe ho 😂😂😂
Balika vadhu couples
Jo agar 10 lakh ka amount fd karwa denge to, per month thar ki EMI kaha se pay kariyega ?
This is absolutely absurd.