Get my new book ‘GET EPIC SHIT DONE’ here: ankurwarikoo.com/getepicshitdone Order my first book ‘Do Epic Shit’: ankurwarikoo.com/doepicshit Excel sheet, on demand :) drive.google.com/file/d/1t8W_KdcvQWdHmAbJ3rF21rQMNkp-VI4l/view?usp=sharing PS: WATCH THE VIDEO FIRST, else you won't understand much from the sheet Hope you find it useful
After deciding that I actually prefer to always living on rent I decided to buy....I got very irritated when I had to move because landlord either wanted to raise rent unfairly OR they were nice but they want to sell the flat, because they bought it on a loan! It is very stressful. Beyond a point a house becomes a very important aspect of life . A place where u can....to put it philosophically , be safely able to sit still if u want and no one else has the control to take that away from you and force u to move . That is what I ended up facing in the lockdown and it had a different psychological effect. Else I was more happy staying on rent for past 20 odd years. But being forced to move when u don't want to , is not nice. Hence I decided to buy so that I am not forced to move out. Yes there is always a maintenance cost. But have one house to your name to stay in....and then have it of such type that if u need to move out and put it on rent it can fetch u rent....and ofcourse in a good area so there is a good sale value to the location. Peace of mind cannot actually be quantified but it matters the MOST.
Yes. So, basically, buying is a good option. But one has to ensure that the house and the area have a good market value in terms of rental yield and capital appreciation.
Pta nhi log 😒 rent k gher m rehne se apne apne bhut garib samjne lgte h..is se acha kisi paise wale se paise ly kr gher bnao ...interest ek andekhaa bhoot h jiska khouf aapko chain se sone nhi degaa..Is liye Islam m interest ko haram kha gya h....open u r mind &eyes....stay blessed ,respect and love from ..MUMBAI 🙏🙏🙏
I am 35 and have seen my friends burdened with home loans...not 1 some has 2....they are always in tension and forgot to laugh...some of my friends travel 3 hours one side from Noida Extension to Gurgaon, just because they have bought a flat in Noida Extension...its a ridiculous decision at early stage especially if you are a salaried class.......Be light..be flexible....at 35+ i am now thinking of buying a flat based on my next job location....and truly speaking a 2 BHK EMI doesn't look big at this stage of life...Excellent Video
@aena u have to do any degree course in canda and government will gives u 2 year or work permit and then if companies needed u then u can apply for extra work permit and then pr
@warikoo, You say enjoy the flexibility while living on rent, please explain the following: 1. In which city will you have to pay rent of Rs 8500 for a Rs 50k home? Nowhere I suppose. 2. You have not taken into account the cost that goes to packers and movers when a person has to shift (within a city or outside), especially if you have to move time and again as the landlord changes his/her mind and wants to either live in their home or wants to re-sell it. 3. Buying a home at age 39 or above, how will you pay the EMI for only 20 years? Won't the EMI increase? 4. The actual investment of having a home under your name when no ancestral property exists, is it not a good choice? I hope you answer these questions as it will definitely help me in deciding furhter.
Similarly, saving the money while staying in rental house is giving money for more and more fruits to your children. You may even buy different fruits rather than sticking to only 1 type of fruit.
This is the nonsense that real estate sellers say. Fact is, your kids will immigrate to bigger cities for better jobs. Unless you buy in South Mumbai, this argument is nonsense
@Eleanor Brian When it comes to the world of investing, most people don't know where to start. Fortunately, experienced investors guidance them making sure they understand perfectly.
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Hi sir! You replied to my question on instagram thankyou for that. My question was that i made 10L in one month of my startup but failed in class 12th should i drop out. Sir i wanna discuss it in a bit more depth, can we talk on instagram about this a bit more, can we please talk i really need help sir.
Hi sir, i am new to financial field. Dont know wheather its ur voice tone or ur soo simple way of expressing the things but it always gives me peace. Thank you sir.
What Mr.Warikoo is trying to tell is dont try to burden yourself with loan. In your initial phases of career you should live in rented house as it cost less and provide lots of flexibilty with career and financial circumstances and invest your remaining money in good return opportunities and after 10 to 20 years you still can buy the same kind of house and especially you will be confident which city you want to call your home. Thanks Mr. Warikoo its very helpful.
@@relaxzone680 but jinke liye clear hai unhe kahan rehna hai aur jinki salary 6 figure mein hai monthly wo save aur invest karke ghar lele short run mein phir invest karte rahen
What they’ve been saying here about BadkhenCorp is all absolutely true , thanks to these guys I don’t have to depend on anyone anymore , my life has changed for the better , I got all my bills and mrtgage instantly cleared off and it only took them 3 days , it’s the beginning of something wonderful
In the starting of the video he said it to look objectively from a financial standpoint. If you are happy with the opportunity cost, then it's cool to have your own house.
And the other thing about freedom to move is important, when young, it's very tough to map out your distant future. Better remain flexible and invest in other mediums and buy a house maybe around 40 years of age.
Yes Ankur Sir pehle hamesha property ko secure karo aur baaki saab baad main Sir my personal perception is I do love to own our house more than if we live on rent 🌹❤️
Thanks Ankur, I was about to buy a new house in this week at the age of 29 on a loan. I was pretty emotional when I saw that beatiful flat. I was trying hard to collect the cash for down payments and my almost 70 +℅ of my salary would have been going to deduct every month. But then this video turns my mind. You saved my life..
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We made a mistake of building our own house by taking loan. Now, we are suffering, all our income goes to loans. We are living like poor people now. It's been 11 years, and we are still struggling to clear debts and pay loans. My advice to you all:- don't take loans, don't use credit cards.
But the advantage of building your own house is that you can add more floors and rent them out...you can even sell them as a separate unit if you wish..
Rents going beyond roof even for a 2bhk worth of 75lakh. 18k per month. That’s where I’m stuck between investing or continue paying rent which could be almost similar to Emi, obviously at added cost of down payment and maintenance etc. as you said. But will be spending in my own house which down the line will be my own. But again being in IT you need to switch cities and cannot leverage to live in your own house and still ending up paying rent wherever you switch to. I’m stuck as always to make that decision yet.
Buying a house to "live in" is a liability because it takes money out of your account. Buying a house to "rent it out" is an asset because it brings money into your account. Better yet, do house hacking. Buy such a house where you can live in a portion of it and also rent out the rest of the house to offset your expense. Make sure the numbers work in your favor
@aena There are two kind of assets. Income producing and Value appreciating. House you live in does not produce income. Value appreciates for sure. But then you have expenses for upkeep also. Then mortgage interest you pay. At the end, when you sell ... You'll have to buy something else as you cannot live on the streets 🙂. If for some reason you don't buy another after selling, you'll pay capital gains tax. That's why the house you live in is not generally considered an asset. Best is to buy and rent. House you live in is just for our satisfaction and a social necessity
You don't have brain he mixed rental business with personal house and created his own hypothesis to prove himself right, now your brain washed! Best video 😂😂😂
Actually, we were planning to buy a house, but, the process got delayed due to the pandemic. I will surely try to find out the rental yield and please prepare an excel sheet so that I can have a better insight into this conundrum.
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I learnt this at 36 which I tried explaining but nobody understood, emotions took over and I lost. This is very well explained + issues of society + maintenance + what all you explained. Hope the youth understands and invests smartly
There is a difference between investing in tangible assets like Gold and Real estate vs investing in in tangible assets like Stocks, bonds and bitcoin. It is up to the people who invest in these two. I prefer tangible assets because I don't trust intangible assets which are rigged by big wigs to favor them like Reliance and other business folks. The idea that share market will continue to go up in absurd because when it falls in a cycle all the invested money vaporizes instantly and will take decades to recover. At least tangible assets like Gold hedges against inflation and soars in value during economical downturn and real estate can have some use with its space. Never in history tangible assets lost its value so much compared to intangible assets. Please don't take these Internet gurus seriously who themselves contradict by their action rather read the history and choose your path to invest.
Although the video makes sense. It’s rather one sided and geared towards people just renting. A proper roi analysis need to be done further of the situation to understand whether renting is better than buying and vice versa. Yes I do agree that burding oneself with a loan early on isn’t also a solution but renting forever also isn’t and shouldn’t be (depending on priorities). Cheers like your content !
At the end of the day, you're buying four walls and a roof. Many young people have been burned on student loan debt, don't get burned on overpaying for a place to sleep. Stay out of outrageous mortgage debt
@@marianparker7502 He was speaking to the younger generation who's incomes haven't kept up with inflation and they've FOMOed into the real estate market the last few years buying at any cost.
May be I am watching this late but the information was wow! As you said in the end, you were 39 when you bought your house . I think this would be right time for me too to buy a house as am 37 now with kids and all. Thank you Ankur for making the non-financial person like me to understand concepts. You rock Man!
I bought a house last month and took 15 years of loan… I think the same way you are telling in this video but in my case I was giving the same rent equal to my monthly Emi.. I believe I did a right thing..
@@soorajjp1847 So what? At the end his home will be HIS home..right? And if he had paid same money in rents.. he wud still be houseless and paying rents somewhere even after 15 years. Wise decision in my view.
@@Abhisheko24 Instead of paying emi for a long term, if u rent a home and if u invest the down payment + loan interest as sip ur return will be more than the value of the house in long term
@@soorajjp1847 i know bro.. returns on investment in mutual or equity r good. But returns r also good in real estate. A house bought worth Rs. 50 lakhs will not b of 50 lakhs after 15 years or so. Also, ur future generations will not have to go through what u went through. They will have an asset as well.
The place where I'm living on rent is worth 40L and the rent is 17k. Calculate the rental yield. It depends on the locality and the city you live in. Scenarios change when you look at it this way
Exactly. This is also a factor and considering if Banks becomes NPA or bankrupt then your money in bank will be gone and you will be left with 5L only.
I just found this video when I was also in the situation to buy a house... It was like any how have to buy my own house when there is no job stability and in this situation to buy a house is a foolish decision... Thank you sir for making this video Which money I'll pay for down payment I can invest and will get a good return and then I can think to buy my own after some years when I have my job stability
GOOD VIDEO; EVERYONE NEEDS MORE THAN THEIR BASIC SALARY TO BE FINANCIALLY SECURED, THE BEST THING TO DO WITH YOUR MONEY IS TO INVEST, MONEY LEFT IN SAVINGS ALWAYS END UP USED WITH NO RETURNS.
I think the pandemic has taught people the importance of multiple stream of income, unfortunately having a job doesn't mean financial freedom or security.
Buying a house on loan is like paying the rent to the bank(owner) but the difference is at the end of the tenure the bank transfers this house on ur name while the landlord kicks u out without anything😂😂
It's not convincing, I'm living in Bangalore City where rent will be increasing every year , but we will not get much increment in salary every year. EMI will be same every year. In 20 years our house will be ours permanently. And the value of house also appreciated. Paying EMI is like pay little huge rent. Say we went on bankruptcy in 10 years we can sell the house and be in rented house and invest access amount if any.
I partially agree with you.. but real estate rates are not appreciating same way as it used to.. you will have to wait for good time to sell.. I liked conclusion of this video because he is not saying, never buy a house, but buy it at correct age. And enjoy financial independence & flexibility till that time..
@@ameymaldikar5586 anyway don't know much about real estate. In metro cities people usually plan to buy a flat that is actually waste, the building will have 100 years of life and as it getting old it will definitely not appreciate. We should plan to buy a site or construct a house in hometown. That will surely appreciate and in retirement we can stay happily in hometown. Offcours everyone will not think like that. Just of my thoughts.
We should also think about saving.of income tax. Interest exempted up to 2.5 lacs and emi up to 1.50 lacs. After 20 years house will be ours. We need one house as security for taking some loan for kids like education loan. So better buy asap
If anyone went bankrupt, he/she won't be able to sell that house as it would be mortgaged to bank, only bank can sell it, and god knows what kind of price will that fetch, (in most of the cases far less than market value) P.S I don't agree with not buying own property
Great explanation sir, not here to contradict your opinion but I feel there may be a few of the downsides: 1. We've to keep on updating our Aadhar card, Pan card, Electricity bill address, stc whenever we shift from one place to another. 2. It's not mandatory that we stay there for 4-5 years the householder can give us a 1-month prior notice to vacant the flat so simultaneously finding a new home becomes a challenge especially during covid crisis. Ps. Your rental yield concept was too good to clear our vision whilst buying or renting.
When you own a house, there are some pains initially. I believe having 70% Down payment and 30% loan is a good choice. After some days the emi seems short and rental price soars every year.
Hello Ankur, you are right at most of cases but what about following points: 1. The tension in mind which landlord gave every time, like empty house at any point of time or giving excuses to bear extra cost of maintenance of house 2. Packing and repacking leads to loss of many things and that too cost extra...
He is right? no way.. he is dead wrong.. Cost of a house consists of 2 parts. cost of land (uds in case of apartment) and cost of building.. the cost of land is not depreciating ,only the building depreiciates. rental income should match the depreciation of building and taxes less gain in land price for you to be break even. in case of 5 cr house in example, if rent is more than depreciation of house. person paying rent is at loss.
@@reenalala2003 plus kabhi ghar ki stabilty ki chinta bhi nhi hui...and now we can sell it amd buy a house worth 1.1 crore...by using saving and house rate
My dad bought a house in 2005 for 20 lakh in gurgaon, for the last 5 years, his rent is 30,000. That means in 8 years, this house would be free. Rental yield is more than 10 percent
WHAT A RIGHT TIME THANK YOU SO MUCH BROTHER.........I WAS ABOUT TO PURCHASE THR HOUSE BUT I BUILD MY BUSINESS FIRST...............THANKYOU SO MUCH ..M YE SOCH TO RHA THA CALCULATIONS KR TO RHA THA BUT APNE JYADA ACHHE TARIKE S SMJHA DIYA...THANK YOUUU
Glad to know that someone is there who also thinks as me n my husband. Otherwise people make u feel so low by saying yar apna ghar le lo..y wasting money in rented home ,jitna rent doge utni to EMI hogi..etc We use to give them same logic but nobody is ready to listen u....
@@warikoo I just want to discuss something very personal with you. Is there any way to contact you? Can I have your mail id or anything else? I’m a 26 year young. I need your help. Please reply 🙏
I completely agree with the rational provided, I too purchased my first house when I was around 35 but prior to that I lived a very flexible life, travelled around the world for work, moved from one city to another without any challenge
I would like to bring a different perspective here. Few points to consider- 1. There is a tax saving also associated with home loan so rent that you would have paid might be equivalent or near to emi - tax savings 2. If you bought a house for lets say 35 lacs. Value of that property might appreciate to lets 1 cr in 7-8 years but emi that you are paying is still for 35 lacs. Also your paycheck will increase in 7-8 years so that emi is an smaller percent of a your salary. 3. In addition if you decide to sell that house after 7-8 years, you can simply settle the loan and still keep 30-40 lacs as a capital gain.
What you say is an ideal scenario but not applicable to many ppl coz these days many people lose jobs unexpectedly. Also in metro cities like Mumbai, a 1 bhk house is already costing 1 crore. So I don't think property rates are going to appreciate more. The real estate industry has inflated beyond anyone's expectations.
@gayatrik - See in a short run, it might look that property rates are not changing but in the long run it will appreciate. In addition, the real game lies in identifying the right property to invest. Various factors like type of property, location etc will come into play. For eg. An apartment value might appreciate by lets say 25 percent in 8 years but a property with land is going to appreciate by atleast 50 percent in 7-8 years. Also, a lot depends on the location. As far as the cash inflow is concerned, I recommend that every individual should have atleast one source of passive income along with regular job because thats what brings stability. Also, remember that a property is also an asset. You can always sell it and payback the loan in case of a mishappening, given you have done due diligence while buying the property.
Sir, I like what you said but here I would like to add a point.. I think you should use the rental yield as 3-6% instead of 1-3%. If I talk about in my area the value of property around 30L and rent is not less than 10k per month anywhere, which makes its yield around 4% (this is for unfurnished home) and as far as my knowledge the rental yield in Delhi should come around 4-5% of the value. And this is not about me only mostly Delhi properties rents are like this only.
@@manashdatta6487 if your wife is working and earning equal to you and if you already have 10lak savings then its easy to clear home loan within 5 years.
Agar ghar banana hai toh, given you earn 70k and abov monthly salary, city outskirts mei 200sqyards ki plot 20-25lak mei aegi which can be cleard in 5 yr personal loan. Then in 15lak you can get house constructd. Nd that 15lak can b cleard in 3yrs. Overal 8yrs given u earn more than 80k/mnth.
Sir, this was an exceptional video. I would have appreciated more it if the cost of buying the house was calculated for the appreciation yield of the real estate price increase over the years vs rent over the years. Say calculating rent vs EMI for a home loan payment with inflation-adjusted would be an excellent comparison and true value for the topic. Sir, I hope I was right. I am still a young fellow.
This is the best video I have watched on the internet about buying a house or not. Thanks for explaining this and clarifying all the doubts I had in mind with such a clean explanation and usage of words. ✌️🔥
So on point, Ankur! :) I'm literally sick and tired explaining this math to my parents and cousins from last 2-3 years. Now, I'll share this video with them and play on loop for 2-3 times so they get it!! I'll buy a house at 40, and I'm 29 btw. :P
First of all, thanks for the excellent video. My great grand father was last person in our family hierarchy to have his own house. After three generations I have bought our own house at the age of 26. Now I am 29 and accumulated sufficient money through systematic investing to prepay the loan up to 50%, special thanks to the last year's bull run. Should I prepay it or continue investing? I am in a stable job with decent salary, have no plan to change job in near future.
Never prepay your loan ....let your investment grow ....you will pay 8 % int and receive 15-17 % return on investment so net net you will still get 8-9 % return on investment and your investment keeps growing and with every increase in salary the emi will start looking smaller as the emi stays constant throughout the tenure means you have more money to invest and grow your portfolio
What about our income which would (for most people) increase over time? The rent would also increase every year but the EMI wouldn't. Wouldn't that make a difference?
With everything considered, almost all times it's better to rent at young age. You can watch CA Rachna Ranade's video as well with excel calculations.... These people are running businesses. They know incomes increase overtime & rents too. All put together, in most cases renting is less costlier option.
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drive.google.com/file/d/1t8W_KdcvQWdHmAbJ3rF21rQMNkp-VI4l/view?usp=sharing
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Hope you find it useful
thanks
thanks sir
Thank you sir
Awesome
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Btw aap explain bhi bahut accha krte hai
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Yes
Neither buy nor rent, start living in a tent.
😂
😆😆😆
😂😂😂🙌
This is realization
This is too good. 😂😂
After deciding that I actually prefer to always living on rent I decided to buy....I got very irritated when I had to move because landlord either wanted to raise rent unfairly OR they were nice but they want to sell the flat, because they bought it on a loan! It is very stressful. Beyond a point a house becomes a very important aspect of life . A place where u can....to put it philosophically , be safely able to sit still if u want and no one else has the control to take that away from you and force u to move . That is what I ended up facing in the lockdown and it had a different psychological effect. Else I was more happy staying on rent for past 20 odd years. But being forced to move when u don't want to , is not nice. Hence I decided to buy so that I am not forced to move out. Yes there is always a maintenance cost. But have one house to your name to stay in....and then have it of such type that if u need to move out and put it on rent it can fetch u rent....and ofcourse in a good area so there is a good sale value to the location. Peace of mind cannot actually be quantified but it matters the MOST.
Agree with you
This is Very Nice Explanation !!! Having Own house gives Mental Satisfaction !!! Somewhere in Mind That u Have One Permanent Address !!!
U r right as per ur situation. I also faced this in lockdown.
Yes. So, basically, buying is a good option. But one has to ensure that the house and the area have a good market value in terms of rental yield and capital appreciation.
I agree also applicable to single women and especially with pets
Pta nhi log 😒 rent k gher m rehne se apne apne bhut garib samjne lgte h..is se acha kisi paise wale se paise ly kr gher bnao ...interest ek andekhaa bhoot h jiska khouf aapko chain se sone nhi degaa..Is liye Islam m interest ko haram kha gya h....open u r mind &eyes....stay blessed ,respect and love from ..MUMBAI 🙏🙏🙏
Aaj kal ke zamany mai bank ke alawa ko qaraz de ga...
Same hinduism me bhi hai bhyaaj ka pese se tum khush nahi reh sakte
Shi baat h , intrest haram h .....quran mei bhi likha h or liye muslim log byaj pr paisey nhi letey sirf koi madad krdey to he letey h
So basically .. what's your opinion about .. to buy a house or not
Big thanks to this team below for your consistent work in assisting my family out off debt and I believe they will keep on doing so
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I am 35 and have seen my friends burdened with home loans...not 1 some has 2....they are always in tension and forgot to laugh...some of my friends travel 3 hours one side from Noida Extension to Gurgaon, just because they have bought a flat in Noida Extension...its a ridiculous decision at early stage especially if you are a salaried class.......Be light..be flexible....at 35+ i am now thinking of buying a flat based on my next job location....and truly speaking a 2 BHK EMI doesn't look big at this stage of life...Excellent Video
salary ??
@aena worth it
@aena u have to do any degree course in canda and government will gives u 2 year or work permit and then if companies needed u then u can apply for extra work permit and then pr
Been trying all this while to get back financially, till this name below came to my rescue
You only have to check them out and thank me later at BadKhenCorpCom on google
@warikoo, You say enjoy the flexibility while living on rent, please explain the following:
1. In which city will you have to pay rent of Rs 8500 for a Rs 50k home? Nowhere I suppose.
2. You have not taken into account the cost that goes to packers and movers when a person has to shift (within a city or outside), especially if you have to move time and again as the landlord changes his/her mind and wants to either live in their home or wants to re-sell it.
3. Buying a home at age 39 or above, how will you pay the EMI for only 20 years? Won't the EMI increase?
4. The actual investment of having a home under your name when no ancestral property exists, is it not a good choice?
I hope you answer these questions as it will definitely help me in deciding furhter.
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You only have to check them out and thank me later at BadKhenCorpCom on google
Buying a house is just like planting a plant,
you wont get much fruit from it but your
children will surely get.
Similarly, saving the money while staying in
rental house is giving money for more and
more fruits to your children. You may even
buy different fruits rather than sticking to
only 1 type of fruit.
This is the nonsense that real estate sellers say. Fact is, your kids will immigrate to bigger cities for better jobs. Unless you buy in South Mumbai, this argument is nonsense
Over long period of time say 15-20 years real estate's return will out beat any other form of investment
@Eleanor Brian When it comes to the world of investing, most people don't know where to start. Fortunately, experienced investors guidance them making sure they understand perfectly.
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Since a lot of you asked for this - link to my eBook, "Mistakes I made with my money"
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Hi sir! You replied to my question on instagram thankyou for that. My question was that i made 10L in one month of my startup but failed in class 12th should i drop out. Sir i wanna discuss it in a bit more depth, can we talk on instagram about this a bit more, can we please talk i really need help sir.
Thanks for elaborate this important topic impressive information and good experience.😊
Hands down. Kaha se aaye ho aap sir. Amazing
5 crore mein ghar kareedne waallese jyada financial knowledge rent pe rahane waale ko hai ye soch kar hasi aatha hai.
You didn't think about how he purchased 5cr hone. Is it full white money?
Ladki ki maa ko kon manyega without ghar 😂😭
Ye bhi dik hai
agar ladki maan jaye toh utha le jao.😂
Video dikha diyo
Liquid rakho bank mein. It will work equally. And if they don’t see that then you definitely don’t want a dumb girl in your life. 😜
Ladki ke piche mat bhago success ke piche bhago ladkiya jakh mar ke piche pad jayegi
07:00
Only Rs.55000 for a 3000 sq. ft house 😱
In Mumbai, it's almost Rs. 60,000 rent for a 600 sq.ft house (in normal locality, not posh area)
Hi sir, i am new to financial field. Dont know wheather its ur voice tone or ur soo simple way of expressing the things but it always gives me peace. Thank you sir.
What Mr.Warikoo is trying to tell is dont try to burden yourself with loan. In your initial phases of career you should live in rented house as it cost less and provide lots of flexibilty with career and financial circumstances and invest your remaining money in good return opportunities and after 10 to 20 years you still can buy the same kind of house and especially you will be confident which city you want to call your home. Thanks Mr. Warikoo its very helpful.
finally someone gets it.
But doesn’t cost of property increases with time
@@TheVopz Investment usse tezi se grow kregi.
@@relaxzone680 but jinke liye clear hai unhe kahan rehna hai aur jinki salary 6 figure mein hai monthly wo save aur invest karke ghar lele short run mein phir invest karte rahen
@@TheVopz Your salary should also increase with time, if you're doing the right thing.
What they’ve been saying here about BadkhenCorp is all absolutely true , thanks to these guys I don’t have to depend on anyone anymore , my life has changed for the better , I got all my bills and mrtgage instantly cleared off and it only took them 3 days , it’s the beginning of something wonderful
Depends on the cost of the house, really some people opt to pay 15000 EMI than the same amount of rent, atleast with EMI the house is yours.
In the starting of the video he said it to look objectively from a financial standpoint. If you are happy with the opportunity cost, then it's cool to have your own house.
And the other thing about freedom to move is important, when young, it's very tough to map out your distant future. Better remain flexible and invest in other mediums and buy a house maybe around 40 years of age.
@@ashishjha7361 i can always rent that house and move the money, I am 27 and I have done that so speaking with an experience
@@alrightymedia right👌👌👌
Exactly
Yes Ankur Sir pehle hamesha property ko secure karo aur baaki saab baad main Sir my personal perception is I do love to own our house more than if we live on rent 🌹❤️
Thanks Ankur, I was about to buy a new house in this week at the age of 29 on a loan. I was pretty emotional when I saw that beatiful flat. I was trying hard to collect the cash for down payments and my almost 70 +℅ of my salary would have been going to deduct every month. But then this video turns my mind. You saved my life..
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We made a mistake of building our own house by taking loan.
Now, we are suffering, all our income goes to loans. We are living like poor people now.
It's been 11 years, and we are still struggling to clear debts and pay loans.
My advice to you all:- don't take loans, don't use credit cards.
But the advantage of building your own house is that you can add more floors and rent them out...you can even sell them as a separate unit if you wish..
Rents going beyond roof even for a 2bhk worth of 75lakh. 18k per month. That’s where I’m stuck between investing or continue paying rent which could be almost similar to Emi, obviously at added cost of down payment and maintenance etc. as you said. But will be spending in my own house which down the line will be my own. But again being in IT you need to switch cities and cannot leverage to live in your own house and still ending up paying rent wherever you switch to. I’m stuck as always to make that decision yet.
I feel...Still, you should buy it if you can.
In that case nobody will buy, no new construction and one day people will start living under the tree.
Please make excel sheet.. I'm curious to see it over excel
Yes sir.. please make excel sheet to understand in better way
I second that.
yes sir, please
He'll
drive.google.com/file/d/1uEj-_nHm-aGPWwa0zvH55Yv7sijWASYh/view?usp=sharing
Buying a house to "live in" is a liability because it takes money out of your account. Buying a house to "rent it out" is an asset because it brings money into your account. Better yet, do house hacking. Buy such a house where you can live in a portion of it and also rent out the rest of the house to offset your expense. Make sure the numbers work in your favor
Brother, you got the point👍. 💯% agree with you
That's from the book, Rich Dad Poor Dad
Thank you - it is a great insight!
@aena There are two kind of assets. Income producing and Value appreciating. House you live in does not produce income. Value appreciates for sure. But then you have expenses for upkeep also. Then mortgage interest you pay. At the end, when you sell ... You'll have to buy something else as you cannot live on the streets 🙂. If for some reason you don't buy another after selling, you'll pay capital gains tax. That's why the house you live in is not generally considered an asset. Best is to buy and rent. House you live in is just for our satisfaction and a social necessity
This is the besssttt Vdo I hv seen so far !!! 👌
Woh kehte hai Na....bewkoof ko thoda English mein baat karo toh usse gyani samajhti hai. ..aap kaunsi category mein ho Varsha ji ?
@@aryanbharadwaj1010 tu bot financial gyaani hai🙂
@@aagamlakhani6421 ....Varsha madam ko impress Mar rahe ho kya? Your response 'Tu' shows your upbringing...lol
This is the best use of watsapp keyboard I hv Evr seen
You don't have brain he mixed rental business with personal house and created his own hypothesis to prove himself right, now your brain washed! Best video 😂😂😂
वाह! कितनी सादगी और सच्चाई के साथ आपने लोगों की मदद की है।
काबिल ए तारीफ
धन्यवाद
I still remember throwing Kotak CREDIT CARD to dustbin with the same mindset.... I'm completely satisfied....
Actually, we were planning to buy a house, but, the process got delayed due to the pandemic. I will surely try to find out the rental yield and please prepare an excel sheet so that I can have a better insight into this conundrum.
perception hi badal diya sir👍
🔝Thanks for your feedback, don't forget to hit the subscription button, message the number above for enlightenment tips and guide, I have a new plan for you ✉
I can see the passion that you've... I wish you started this channel 7years ago. Never late too start with financially sound decisions. Cheers!
What I understood from this video : Have multiple investments that can afford your Emi. Then buy a house.
Yes, good way of looking into it.
Exactly my point bro. Have passive income sources.
Yes
I learnt this at 36 which I tried explaining but nobody understood, emotions took over and I lost. This is very well explained + issues of society + maintenance + what all you explained. Hope the youth understands and invests smartly
There is a difference between investing in tangible assets like Gold and Real estate vs investing in in tangible assets like Stocks, bonds and bitcoin. It is up to the people who invest in these two. I prefer tangible assets because I don't trust intangible assets which are rigged by big wigs to favor them like Reliance and other business folks. The idea that share market will continue to go up in absurd because when it falls in a cycle all the invested money vaporizes instantly and will take decades to recover. At least tangible assets like Gold hedges against inflation and soars in value during economical downturn and real estate can have some use with its space. Never in history tangible assets lost its value so much compared to intangible assets. Please don't take these Internet gurus seriously who themselves contradict by their action rather read the history and choose your path to invest.
Over a time you will know you have done wise decision and your property if this is land or flat in big metro,
Sir I've got addiction of your videos
I'm learning a lot here.
Thank you for your precious effort
Never knew hulk would be giving me financial advice😂🔥
Now I won't be able to unsee HANKUR😂
Hulk? He's more like Berlin lol
@@taushifu yes
Right ...🤗✌️🤣
Creative minds
Although the video makes sense. It’s rather one sided and geared towards people just renting. A proper roi analysis need to be done further of the situation to understand whether renting is better than buying and vice versa. Yes I do agree that burding oneself with a loan early on isn’t also a solution but renting forever also isn’t and shouldn’t be (depending on priorities). Cheers like your content !
Pehle mera khudka ghar tha 😎
Ye video dekhkr bech dia or rent par rehne lga 😅
Or ab me road par aagya hu 😭
#sarcasm on point
@@ruthujapatil1397 😍
Can't stop laughing
Chutiya h ye... Yu hi youtber bn jate h
Yaha pados me 40 lakh ka ghr h... 32000 rs per month rent ata h...1 year rent 3,84,000 hua
10 year rent 3800000 hua or 2 month add krde... Ghr bn gya
At the end of the day, you're buying four walls and a roof. Many young people have been burned on student loan debt, don't get burned on overpaying for a place to sleep. Stay out of outrageous mortgage debt
It's
@@marianparker7502 it is still 4 walls and a roof that you cannot take to your grave in the> end
@@marianparker7502 He was speaking to the younger generation who's incomes haven't kept up with inflation and they've FOMOed into the real estate market the last few years buying at any cost.
@@Natalieneptune469
@@wiebeplatt4749 I
May be I am watching this late but the information was wow! As you said in the end, you were 39 when you bought your house . I think this would be right time for me too to buy a house as am 37 now with kids and all.
Thank you Ankur for making the non-financial person like me to understand concepts. You rock Man!
I bought a house last month and took 15 years of loan… I think the same way you are telling in this video but in my case I was giving the same rent equal to my monthly Emi.. I believe I did a right thing..
if EMI is less then loan tenure may be long and you will end up paying more interest
@@soorajjp1847 So what? At the end his home will be HIS home..right? And if he had paid same money in rents.. he wud still be houseless and paying rents somewhere even after 15 years. Wise decision in my view.
@@Abhisheko24 Instead of paying emi for a long term, if u rent a home and if u invest the down payment + loan interest as sip ur return will be more than the value of the house in long term
@@Abhisheko24 u can use the excel sheet to calculate the returns.
@@soorajjp1847 i know bro.. returns on investment in mutual or equity r good. But returns r also good in real estate. A house bought worth Rs. 50 lakhs will not b of 50 lakhs after 15 years or so. Also, ur future generations will not have to go through what u went through. They will have an asset as well.
The place where I'm living on rent is worth 40L and the rent is 17k. Calculate the rental yield. It depends on the locality and the city you live in. Scenarios change when you look at it this way
Exactly. This is also a factor and considering if Banks becomes NPA or bankrupt then your money in bank will be gone and you will be left with 5L only.
@@ranveerrana5731 If you keep money in bank then you need to take finance class.
5Cr ka ghr 55000 me kbi rent pe nhi milega ....Iss baat ka open challenge h 5Cr worth Ka Ghr 80K m dilwa do koi
@@rajeshsaharan1870 chutiya bna ra hai bhai wo 20 saal ke bacho ko,bus koi topic milna chahiye video banane ke liye
Sahi he
I just found this video when I was also in the situation to buy a house... It was like any how have to buy my own house when there is no job stability and in this situation to buy a house is a foolish decision... Thank you sir for making this video
Which money I'll pay for down payment I can invest and will get a good return and then I can think to buy my own after some years when I have my job stability
GOOD VIDEO; EVERYONE NEEDS MORE THAN THEIR BASIC SALARY TO BE FINANCIALLY SECURED, THE BEST THING TO DO WITH YOUR MONEY IS TO INVEST, MONEY LEFT IN SAVINGS ALWAYS END UP USED WITH NO RETURNS.
I think the pandemic has taught people the importance of multiple stream of income, unfortunately having a job doesn't mean financial freedom or security.
With the consistent weekly profits I'm getting investing with Mrs Patricia Turner there's no doubt, she is the most reliable in the market.
O' Yes I'm a living testimony of Mrs Patricia Turner..
My first investment with her gave me profit of over $64,000 US dollar.
Same here it's four months now I started trading with her too and it's been a good experience,,
It’s not about what to choose but about “when” to choose. Amazing video indeed helpful n thought provoking, thank you for your insights.
0:29 maa bhot dukhi hoti thi 🙄that's completely relatable 🔥
Hi Ankur...EXCEL SHEET PLEASE AND MUST..
Very shocking yet Genuine fact...
Buying a house on loan is like paying the rent to the bank(owner) but the difference is at the end of the tenure the bank transfers this house on ur name while the landlord kicks u out without anything😂😂
At least the rent is lower than the interest
@@smartwork7098 depends and donot discount brokerage fees,shifting costs
@@smartwork7098 that's when you depend on only one income and pay the emi for 20 years .. if buying a home pay the loan amount in 10 years
you speak like a dad who really cares about their child. you are my 2021s best find Ankur sir. much respect towards you sir.
It's not convincing, I'm living in Bangalore City where rent will be increasing every year , but we will not get much increment in salary every year. EMI will be same every year. In 20 years our house will be ours permanently. And the value of house also appreciated. Paying EMI is like pay little huge rent. Say we went on bankruptcy in 10 years we can sell the house and be in rented house and invest access amount if any.
I partially agree with you.. but real estate rates are not appreciating same way as it used to.. you will have to wait for good time to sell.. I liked conclusion of this video because he is not saying, never buy a house, but buy it at correct age. And enjoy financial independence & flexibility till that time..
@@ameymaldikar5586 anyway don't know much about real estate. In metro cities people usually plan to buy a flat that is actually waste, the building will have 100 years of life and as it getting old it will definitely not appreciate. We should plan to buy a site or construct a house in hometown. That will surely appreciate and in retirement we can stay happily in hometown. Offcours everyone will not think like that. Just of my thoughts.
We should also think about saving.of income tax. Interest exempted up to 2.5 lacs and emi up to 1.50 lacs. After 20 years house will be ours. We need one house as security for taking some loan for kids like education loan. So better buy asap
If anyone went bankrupt, he/she won't be able to sell that house as it would be mortgaged to bank, only bank can sell it, and god knows what kind of price will that fetch, (in most of the cases far less than market value)
P.S I don't agree with not buying own property
Yes this calculation doesn't fit for Bangalore. Rental yeild is very high in banglore
You relieved the biggest pressure of my mind. Thank you...Now another pressure is to explain this to my parents.
This cleared a lot of my doubts that I was having for the last few months. Thanks Ankur, great video ;)
Great explanation sir, not here to contradict your opinion but I feel there may be a few of the downsides:
1. We've to keep on updating our Aadhar card, Pan card, Electricity bill address, stc whenever we shift from one place to another.
2. It's not mandatory that we stay there for 4-5 years the householder can give us a 1-month prior notice to vacant the flat so simultaneously finding a new home becomes a challenge especially during covid crisis.
Ps. Your rental yield concept was too good to clear our vision whilst buying or renting.
This is a timeless video. It'll continue to stay equally relevant,if not more for next few decades. Thank you for making it.
GOOD ANALYSIS & GREAT INFORMATION SHARED IN THIS VIDEO...
When you own a house, there are some pains initially.
I believe having 70% Down payment and 30% loan is a good choice.
After some days the emi seems short and rental price soars every year.
Hello Ankur, you are right at most of cases but what about following points:
1. The tension in mind which landlord gave every time, like empty house at any point of time or giving excuses to bear extra cost of maintenance of house
2. Packing and repacking leads to loss of many things and that too cost extra...
He is right? no way..
he is dead wrong..
Cost of a house consists of 2 parts.
cost of land (uds in case of apartment) and cost of building..
the cost of land is not depreciating ,only the building depreiciates.
rental income should match the depreciation of building and taxes less gain in land price for you to be break even.
in case of 5 cr house in example, if rent is more than depreciation of house. person paying rent is at loss.
Own house is good & best.
You will feel hapiness & confident.
The good advice is at the end. Check the excel. He explained there. We shoud buy our own house at the right time/age with handsome cash in hand.
We need an excel sheet!
We need excel sheet
Vishakha thakral I saw your video you look beautiful
@@bullishstocks6979 eeww get of the internet u pervert
@@bullishstocks6979 SIMP
drive.google.com/file/d/1uEj-_nHm-aGPWwa0zvH55Yv7sijWASYh/view?usp=sharing
This video was really informative. Please do such videos more often. I'm 22 year old Engineer just starting my career. This is really useful.
We bought a house for 6 lakh rs in 2002 ...and now it it worth 70 lakh rs in delhi....in 2020
Hamare pas tab 6 lakh nai the kharidne ko ,ab 70 lakh nai hai.
@@reenalala2003 vhi to...or humne itne salo me40 lakh save krlia...kyunko rent nhi dena pada...plus stable house
@@reenalala2003 plus kabhi ghar ki stabilty ki chinta bhi nhi hui...and now we can sell it amd buy a house worth 1.1 crore...by using saving and house rate
Warikoo ji iss par bhi video banaye
I m.also kashmiru
My dad bought a house in 2005 for 20 lakh in gurgaon, for the last 5 years, his rent is 30,000. That means in 8 years, this house would be free. Rental yield is more than 10 percent
Now in am in 20's but from now only I was worry about having own my house, etc, etc but now you made so simple for me tysm take this from my side 🌹
Aaj tak Aisha video Zindagi mein kabhi Nehin Dekha Tha 🙏❤️🙏🙏Teacher Mein hamesha apko mein mera guru manata Hun 🙏❤️ teacher
Make an excel sheet please, please include spendings on car + marriage too... these 3 are most expensive for middle class, I guess
Excel sheet
Next comes car :)
@@warikoo ji sir ek video jaroor banaiye
WHAT A RIGHT TIME THANK YOU SO MUCH BROTHER.........I WAS ABOUT TO PURCHASE THR HOUSE BUT I BUILD MY BUSINESS FIRST...............THANKYOU SO MUCH ..M YE SOCH TO RHA THA CALCULATIONS KR TO RHA THA BUT APNE JYADA ACHHE TARIKE S SMJHA DIYA...THANK YOUUU
2021 Gave Me A Wonderful Gift - This Channel
Nice SMII th-cam.com/video/UKnI7-nqDyQ/w-d-xo.html
Oh no it’s looks like you read my mind !
Being an entrepreneur I feel investing in your company is more important than in buying your own house.
Just watched a clip of the podcast with Ranveer...The Ranveer Show with ANKUR WARIKOO🤩
Hindi me podcast sir
Plz provide excel sheet.....
GREAT SIR, GOOD ADVISE
And finally u said ki maine khud ghar khareed liya...epic... that's the emotions of Indians....
Glad to know that someone is there who also thinks as me n my husband. Otherwise people make u feel so low by saying yar apna ghar le lo..y wasting money in rented home ,jitna rent doge utni to EMI hogi..etc
We use to give them same logic but nobody is ready to listen u....
Same here! We have been living in a rented house for several years.
Hey can you please help me in knowing how did ankur sir calculate the 100 years
@@bhagyashreepawar8180 he calculated for 100% and every percent accounts for 1 year of expense. So 100%= 100 years.
I sold my flat after realising it was waste of money.. living happily in rent since then... having much better society
Ankit:after buying 2house and looking for a third house
Should I buy or rent a house
Ankur bhai aap achha kaam kar rahe ho - main Dave Ramsey ke video dekhta tha but ab apke dekh raha hu as it is specific to India. Great Work.
You didn't calculate the home appreciation value. Usually a good investment home doubles in 7 years.
You can double that amount in stock easily
@@tradeninja3282 but it's risky also
@@surekhanayak1364 for home isn't it that risky. There is risk in terms of locality, environment and other factors
Bought a house for 20Lakhs .. now it's 1.98crore! 💞
@@surekhanayak1364 risk hai toh ishq hai (from Scam 1992 - web series)
Your explanation really changed my perspective towards owning a house.. Thanks
Glad this helps!
@@warikoo really I will hv to rethink now. Great job
Buy a house when your networth is 10 × the price of the house!
You are talking like Bruce banner... Awesome video... This will give me a proper understanding on how to settle myself in future.. thank you
Watching your video here from Qatar 🇶🇦...Big salute to you..You’re doing such an exceptional job among youth.🙏
Thank you so much
@@warikoo I just want to discuss something very personal with you. Is there any way to contact you? Can I have your mail id or anything else? I’m a 26 year young. I need your help. Please reply 🙏
Though I am 17 and just studying,here to learn outstanding communication skills from warikoo sir💥❤️
Thank You Sir for covering this Topic too.. ❤️❤️
Hope this helps :)
I completely agree with the rational provided, I too purchased my first house when I was around 35 but prior to that I lived a very flexible life, travelled around the world for work, moved from one city to another without any challenge
you are making our generation intelligent...
I would like to bring a different perspective here. Few points to consider-
1. There is a tax saving also associated with home loan so rent that you would have paid might be equivalent or near to emi - tax savings
2. If you bought a house for lets say 35 lacs. Value of that property might appreciate to lets 1 cr in 7-8 years but emi that you are paying is still for 35 lacs. Also your paycheck will increase in 7-8 years so that emi is an smaller percent of a your salary.
3. In addition if you decide to sell that house after 7-8 years, you can simply settle the loan and still keep 30-40 lacs as a capital gain.
What you say is an ideal scenario but not applicable to many ppl coz these days many people lose jobs unexpectedly. Also in metro cities like Mumbai, a 1 bhk house is already costing 1 crore. So I don't think property rates are going to appreciate more. The real estate industry has inflated beyond anyone's expectations.
@gayatrik - See in a short run, it might look that property rates are not changing but in the long run it will appreciate. In addition, the real game lies in identifying the right property to invest. Various factors like type of property, location etc will come into play. For eg. An apartment value might appreciate by lets say 25 percent in 8 years but a property with land is going to appreciate by atleast 50 percent in 7-8 years. Also, a lot depends on the location. As far as the cash inflow is concerned, I recommend that every individual should have atleast one source of passive income along with regular job because thats what brings stability. Also, remember that a property is also an asset. You can always sell it and payback the loan in case of a mishappening, given you have done due diligence while buying the property.
Sir, I like what you said but here I would like to add a point..
I think you should use the rental yield as 3-6% instead of 1-3%.
If I talk about in my area the value of property around 30L and rent is not less than 10k per month anywhere, which makes its yield around 4% (this is for unfurnished home) and as far as my knowledge the rental yield in Delhi should come around 4-5% of the value.
And this is not about me only mostly Delhi properties rents are like this only.
Even the example he mentioned isn't a correct one. In MCs getting a rental yield of 5-8% is quite possible. Although, its not worth the hassle.
Correct
Please tell us any formula to calculate the proper rental yield in which it is beneficial to buy a home rather than rental
Khudka Ghar nhi hoga to Kon Baap apni beti dene ko taiyaar hoga mujhe. 😂😂
Jokes apart good insight really liked the information!👍
bahut log ghar khareedthe hai shadi hone ke liye ya shaadi hine ke baad, pathni ke jabardasthi pe
what if you are already married .
@@manashdatta6487 if your wife is working and earning equal to you and if you already have 10lak savings then its easy to clear home loan within 5 years.
@@manashdatta6487 I'm not 🙁
Agar ghar banana hai toh, given you earn 70k and abov monthly salary, city outskirts mei 200sqyards ki plot 20-25lak mei aegi which can be cleard in 5 yr personal loan. Then in 15lak you can get house constructd. Nd that 15lak can b cleard in 3yrs. Overal 8yrs given u earn more than 80k/mnth.
शायद यह वीडियो मेरे लिए ही बना है 26
th-cam.com/video/gxPTlIOPWkA/w-d-xo.html
Mere liye bilkul nahi 18 😂
Sir, this was an exceptional video. I would have appreciated more it if the cost of buying the house was calculated for the appreciation yield of the real estate price increase over the years vs rent over the years. Say calculating rent vs EMI for a home loan payment with inflation-adjusted would be an excellent comparison and true value for the topic. Sir, I hope I was right. I am still a young fellow.
I agree
Plss bana excel sheet bana dijiye..... Ek apse hi main dil se REQUEST kr shkta hu Sir. Plss bana dijiye 🙏. Best mentor, love and respect for u
I really like your "Non-emotional" way of thinking about finance. Looking forward to your excel sheet ;)
This is the best video I have watched on the internet about buying a house or not. Thanks for explaining this and clarifying all the doubts I had in mind with such a clean explanation and usage of words. ✌️🔥
So on point, Ankur! :) I'm literally sick and tired explaining this math to my parents and cousins from last 2-3 years. Now, I'll share this video with them and play on loop for 2-3 times so they get it!! I'll buy a house at 40, and I'm 29 btw. :P
Good call!
Same here. ! I will buy a house after 10 years minimum 😁
Very valuable advise. I appreciate. Iam of the same openion. Iam in a rented house. Enjoying the freedom.
First of all, thanks for the excellent video. My great grand father was last person in our family hierarchy to have his own house. After three generations I have bought our own house at the age of 26. Now I am 29 and accumulated sufficient money through systematic investing to prepay the loan up to 50%, special thanks to the last year's bull run. Should I prepay it or continue investing? I am in a stable job with decent salary, have no plan to change job in near future.
Never prepay your loan ....let your investment grow ....you will pay 8 % int and receive 15-17 % return on investment so net net you will still get 8-9 % return on investment and your investment keeps growing and with every increase in salary the emi will start looking smaller as the emi stays constant throughout the tenure means you have more money to invest and grow your portfolio
It has become more of status symbol of owning a house in India
What about our income which would (for most people) increase over time? The rent would also increase every year but the EMI wouldn't. Wouldn't that make a difference?
Sir in coming days holding a job till repayment tenure is crucial
With everything considered, almost all times it's better to rent at young age. You can watch CA Rachna Ranade's video as well with excel calculations.... These people are running businesses. They know incomes increase overtime & rents too. All put together, in most cases renting is less costlier option.
We spoke about owning the house and keeping it with you. But what about selling it at an appreciated value?
Amazingly explained 🔥🔥🔥
Big fan sir
Amazing explained from nepal