क्या हमें Loan लेना चाहिए ? Good Debt Vs Bad Debt 🤔 | MoneyVideo#48
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- เผยแพร่เมื่อ 15 ต.ค. 2024
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In This Video Zorba The Zen is describing about Good Loan And Bad loan | How To Avoid Loan | Difference Between Good Loan And Bad Loan | Should We Take Good Loan? | Should we take home loan| Should we take car loan?| Loan Trap | Car Loan | Home Loan | Business Loan| good debt | bad debt
क्या हमें Good Loan लेना चाहिये ? चौंकाने वाला सच
About The Speaker
"Puneet Jindal is an exceptional Business Coach & Motivational Speaker . He has inspired and trained more than 1 Million people across the globe. Since 2004, He has presented over 600 motivational keynote addresses, sales workshops and personal growth seminars . As a corporate trainer he has worked with more then 200 MNCs such as ABN Amro Bank, Barclays Bank, Vodafone, Future Group, HDFC Bank, HSBC, Airtel, ICICI Bank, Mahindra, Lenovo, Codec ,IBM, Microsoft, etc."
To Invite as a key note speaker or To attend live seminars
Feel free to contact on 8882324013.
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Dear Friends I have Created around 50 Videos on Money, Loan, Debt Free Life . I would suggest you to watch all videos , Link are given below 💐💐🙂
How To Live Debt Free & Loan Free Life
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How to Get Rid Off Loan | कर्ज खत्म करने के उपाय
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Want To Buy Your Dream House ?| Home Loan Trap
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How To Live Loan Free & Debt Life ? | Avoid Life of Slavery
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आपकी इच्छाएं Debt Trap का मूल कारण हैं | Must Watch for Loaners
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Surprising Technique To Buy Your Dream Car | Avoid Car Loan
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How you get into Debt ? | Loan Trap | House loan| | Car loan | Education Loan
th-cam.com/video/AbUeaaRfxCc/w-d-xo.html
Sir top ten skills par video bnaoo please 🙏🙏🙏🙏🙏🙏
Deviyaniben Shah Apne capital tak 20-30 % tak Lene bol rahe
Deviyaniben Shah 20-30 rupya
To sir kay car na kharide?
Deviyaniben Shah jaldi se jaldi pay Karo
लाखों लोगों को गुलाम बनने से बचा लिया आपने सर💐💐
Cha gaye guru
100th coment is mine cos you r right
Sahi baat hai
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कम से कम कोई बन्दा तो हैं आज के इन युवा पीढ़ी को बर्बाद हो ने से बचाने वाला...
100%
Right 👍💯▶️
I am a CA and ex banker, I can tell guys,he is absolutely right about debt trap.
Hii
Hmkoo apse kuch puchna h
He is financially illiterate.
1no Guru Ji ..
गांव वाली बात कह दी क्या जरूरत है लोन की
इच्छाओं को सीमित करो और अच्छा जीवन जियो
मैं भी लेने जा रहा था बचा लिया आपने
दिल से धन्यवाद
Loan के फायदे और नुकसान को आप ही बेहतर बताते है सर ।
बाकी सभी तो Loan लो कहते हैं। एक आप ही हो जो कहते हो कि .. लो ना. 🙏
सर जी ! आपने लोन का तुलना पागल कुत्ता से सही की , लोन पागल कुत्ते की तरह ही होता है जो हमारे रुकते ही हमें नोच नोच कर खाने लगता है❤️👍🏻🙏
Int 🙏
U cant imagine how much u r helping others with your videos!
May Lord shiva bless you
Ap bht hi achy sy define krty hain Har cheez ko hindi mai.
Love from Pakistan. I'm your subscriber
सर आपकी वीडियोस देखकर हममें काफी चेंजेस आये और हम भी इन ट्रेपो में फसने से बच गये। thanks sir 🙏
Nice video sir 👌🏻 Good work 🙏
Agar Loan lena nahi chahte to apna khuda ka kam suru karo Mashroom ki kheti kar ke kam paise me lakho kama sakte ho
भाई साहब आप महान हो
सलाम है आपको
आपकी वीडियो अगर सभी लोग देख लें और समझ लें तो करोड़ों लोग बच जाएंगे एक बड़े तनावग्रस्त जीवन जीने से🙏🙏🙏💗💗
Most amazing man,
Bigger than vivek bindra n sandeep
Right
💯 right bro
Bindra is just a business man
Not interest in your benefit
sir mene apke sare money video dekhe hai....jisko mene meri life me use kiye he...aur aaj me bahot khush hu...debt free hu...relaxe hu.....Thank u sir
😘😘😘🤗🤗👍👍
Pehle school to complete kar.
@@zorbathezen thank u sir
@@farazmalik1364 bhai vakil hu
sir mera too life 50/50 hai kya karun
1st youtube channel....Jiske jo bhi video view krta hu to bina like kiye nhi jata...Hats off to you sir.
The only financial advisor on youtube who is not a dalla of mutual fund companies and banks. Way to go boss!
Guru dev is status may aa k sach bolna bht daring ka kam hai true Indian respect to you sir
I like your ideas and implementing them. I have also read 3 books of Robert kiyosaki. I think people have not completely understood what he had to say in rich dad poor dad. He is not completely right or completely wrong.
Few good things to adopt -
1. Understand difference between asset and liability. Buy asset.
2. Do not consider house as an asset rather try to create more income sources.
3. Though he had invested in real estate but there is a change in maths if you compare India vs USA. Here rents are very less as compare to even FD returns. One should understand the maths behind it.
4. He is right about taxes, you can never tax business class. Only salaried persons or end user pays the tax.
5. To me, he seems to be correct about govt’d printing money (inflation) and mismanagement of cash by govt.
Many cunning people in India use his (Robert Kiyosaki’s) ideas to sell their fake products, like MLM etc.
How debt will become an asset?? Debt is always a liability with a cost...u acquire an asset by paying this liability from ur pocket...
Raunak Singh yes, Debt is a liability. If you want to acquire asset by debt then do the maths as he is suggesting in video.
One simple word - learn to read Financial Statements..otherwise keep blaming such great economist/bestsellingauthor/investor/futurist Robert Kiyosaki 😌
@@raunaksingh4144 Debt can be an asset, ignore these motivational speakers like Zorba. Property prices have always appreciated. You can get appreciation for the money you don't have in real estate via mortgage. After tax benefit, the loan is practically at the same interest rate as inflation. Then why not take it and build properties for both rental income as well as appreciation.
Do your own survey, don't conclude property prices ain't rising just becoz Zorba is saying so.
@@abhijitkhopkar1500sorry but whatever u r saying is just a poor middle class thinking... Whatever total wealth u wanna make over the years can be ur monthly income in a few years ...but for that u need freedom to explore ur enormous possibility...
ये सभी बातों को पहले राजीव दीक्षित जी 20-25 वर्षों पहले से ही समझते थे।आप के द्वारा भी जानकारी बहुत बढ़िया हैं।🙏🏻🙏🏻🙏🏻!
सर आप इतनी वास्तविकता से लोन के बारे में बताते हो इससे हमारे जैसे की जिंदगी बर्बाद होने से बच जाती है।
धन्यवाद सर
आप गहरे आध्यात्मिक व्यक्ति लगते है। जो जनसाधारण का कल्याण चाहते हैं। आप ऐसे ही गाइड करते रहे ।
Sir, Asha hai Aapka Rich Dad Poor Dad par diya vivaran lakho logo ki aankhon ko khol dega.
Meri ayu 70 varsh ki hai. Kripya Reverse Mortgage ke sandarbh me aap ke vichar batana. Hum sabhi varisht nagrik aap ko aur kuch to nahi dher sari duas denge.
Yeh loan lena uchit hai ya nahi ?
सर् जी मैं भी उलझ गया हूं , loan में,
अब रात दिन उसके बारे मे सोचता हूं कि कब पूरा हो जाय ,
मैंने तो सिर्फ चार साल (48किश्त) के लिये ही लिया है , अब आपकी वीडियो देखकर समझ गया हूं, कि अब फिर से नही उलझूगा,
क्योकि बहुत ही परेशानी होती है ,खाने का जुगाड़ करे (घरेलू खर्च) या किश्त का,
कभी कभी तो किश्त के लिये दोस्तों से लेंन देन तक करनी पड़ सकती हैं, यह तो एक तरह से परेशानी ही हैं , इससे अच्छा तो जो मिल रहा है ,उसमे में सन्तुष्ट रहो
Sahi bole Bhai ji
श्रीमान जिस दिन।आप लोन चुका।देंगे उस दिन आपके घर की कीमत मूलधन एवम नगद जमा राशि से ज्यादा हो जाएगी,,जो घर का उपयोग अलग ,,कृपया इस तरह भी सोचिये,धन्यवाद
I never take the loan in my whole life
Dear Sir, Thanks for your suggestions. Please sometimes post group discussion like your friend Sandeep Maheshwari. Your financial guidance is superb and trustworthy. I don't want to compare you with anybody but you are doing the best for everyone. Need to be conscious about ourselves. Thank you and God bless you. ✨🎉⭐👍
Oh my gosh this guy is really genius hats of to him really thanks youtube algorith to show me this channel finally I found sm thing precious
He is doing a good job
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100% correct information 👌. Home ownership is greatly overrated.
The only youtubers who had a big influence on my life in a good way are shwetabh gangwar and Zorba the zen.
I think u don't know Sandeep maheshwari
@@kyachannelhey5895 he's good but sometimes I feel he doesn't talk practical.
True
Bhai me commerce se nhi kya aap muje bta shkte ke 10 lakh ke income se 3 lakh rupee ka benefit kese huwa
He is a true teller
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Superb!! Simple-living is way better than show off life...Thank you sir
Karyrat ka show off bhi axa lagta hai jyada nhi
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Hiii beautiful ❤️❤️
आपकी जानकारी के लिए धन्यवाद आप हमेशा खुश रहे आनंदी रहे कितनी अच्छी सलाब दे रहे आपको निरोगी लाभ मिलते रहे मिलते है, हमेशा healthy और happy Re रही है, friend thank you very much 🙏
At the time of seen first video of yours my perception about money has change and now I am leave happy and managed life in terms of money
It's true
I also
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Sir, two points:-
1. In home loan calculations, you have not taken into account the RENT saved by staying in the house.
2. Another good debt is education loan. One pays it off in few years, and enjoy the fruits of enhanced qualifications lifelong.
Few year or early payment education loan is right suggestion.
I have taken 4 lakh Sbi education loan, and pay for it 7 lakh total.
We should pay education loan interest from first month after taking loan..
Even if RENT is saved than how do you know & anticipate that how much RENT could have been saved if he Took the flat on RENT . He has also clearly mentioned that Property Rates are not increasing in India as compared to other countries
Moreover if someone loses his job or business than how will he pay the loan of 40 lakhs .
He is trying to make you UNDERSTAND that PEACE OF MIND is more important than any kind of take loan or investing . Watch all his videos & maybe you may understand
Please make a video on how must independent professionals ensure that they are paid well for their work. I am a lawyer how can I ask my clients to pay me reasonably. In India people don't pay well for services.
Nice question we will defenetely make a vedio on it
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उलझाओ लोगों को वकील साहब ।
वकील वहीं सफल को पहले केस उलझाए फिर सुलझाए ।।
😂😂😂😉😉😉
जी सर आपकी बात सरल और सहज है सीधे जहन मे उतर जाती है, और सिख जरूर मिली कि हम वाकई दिखावे कि जिन्दगी सिख गये है।हम खुद अपने लिए परेशानीयो के गड्डे खोदने मे लगे है तो सकून कहा से मिलेगा
Sir you’re practical college
Loan lead on slavery .. take freedom of human life
Thanks for true guidance 🙏🏼
Sir ap jaise log bhut kam is duniya me sir... Nhi to sab apne fyde ki hi bat krte h
ये होता है,,असली हिन्दुस्तानी सोच,,,
Your video is helping myself and my child life
Really his vedio supports every indivisual much more
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I am living my life as per your guidance and I sold my small property to repay some part of loan and believe me feeling very relaxed... and planning to repay it very fast... and become financial free and take retirement and travel and follow my passion after that which i farming....
Keep it up
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सर, तुम कर्ज के झंझट से छुटकारा देते हो,
इससे बीपी, शुगर जैसे बिमारीसे छुटकारा मिलता है.
Sir -You are a store house of knowledge!
Thanks for giving your precious diamonds to us.
Thanks for saving our time,energy and money.
Thank you very very much!!!😊
Sir aap ki me jab videos dekhata hu to meri aankhe khul jati he anlaelan ho jata hu thekyu sir aap khub khub dhanyvad. 🙏🙏🙏🙏🙏
Sir I like listening to u... And thanks u you saved me I was going to take a home loan on a small house for 12.50 % but u saved me n my family.
आपकी बात सही है। ये सबको पता भी है। फिर भी सबको लोन चाहिए होता है। और लोग लेते भी है।
You are really a very good guru,love your teaching 💯
बहुत बढ़िया सर किन्तु सरकारी कर्मचारी मकान कैसे खरीदे। उनके पास कोई दूसरा उपाय ही नही है।
Sar aapki information bahut relatable rahti hai our country 👏👏👏
Are bhaiya, Sach bata rha hu, Ye jo sare financial advice k naam pe paisa niklwa k le jate h, un sb se laakho guna aap better ho. BS aap hi kehte ho jo paisa h use pkd k rkho, nhi to saare khre k 1 ka 2 krne k chkkr me 1 b dedo.
Milta kuch ni baad me.
Thankyou so much. last 6 months se aapki sari playlists dekh k meri aakhe, naak kaan, sb khul gye.
aapse milna h bhaiya ek baar zroor life me.
Sir make a video on PPF and FD.
Which is best and how to open.
Also FD in which anytime we can withdraw money without penalty.
Kindly guide us sir.
Sir
Excellent.
Very nice.
Very candid
Thanks for sharing such a nice information.
Obviously you should take good debt.... Due to financial crisis I have to take education loan of 4 lakh.. Now earning 7.5 lakh per annum.
सरजी बहोत बढीया व्हिडिओ.... हमेशा आपको सुनकर सिख मिलती है.... जो कभी स्कूल और काँलेज मे नहि मिली।
Sir, I am a really big Fan of you . You videos are so much educational , I even forwarded all your money videos to my friends and family . P.S. I also read Rich Dad, poor dad . The way you simplify things is amazing . Loan ka matlab ... " Lo-na " . Please reply on my comment . Eagerly waiting.
Thanks
Your Fan
🤗🤗🤗💐
बहुत ही सटीक जानकारी लोन का bed चक्र
Dear Sir your videos,thoughts change my life.... You said simple life is peaceful life now I made my life simple ..infact this is the real life real life....thanks so much....God bless you....
Nice information Sir
Sir ji
आजकल gold loan बहोत चल रहा हे . लोग उसकी ई एम आई कुछ भरते हे कुछ नही भरते हे तो उनका गोल्ड आक्शन हो जाता हे .
उस subject पर विडीओ जरुर बनाकर लोगो को जागृत करे.
Thanks
Housing loan is more than FD interest, which shows Govt welfare towards soviety.
Amazing sir ji bhut kuch sikhne Ko mila mujhe logo ko bhi batunga thankyou so much
sir I watch yr videos on regular basis & they are all very helpful in our life, Thanks to you for serving the society.
आंखें खोल दिए हैं आप हमारी, बहुत बहुत धन्यावाद और आभार
Sir apki advice ne mujhe bohot baar bachaya hai thank you sir for sharing such information with us.
Please explain
Zobra the Zen ke जय हो जय हो जय हो भाई का बताने का तरीका ही बड़ा मस्त है बड़े खतरनाक तरीके से समझाते हैं
Sir आपको तोपो के साथ सलामी देनी चाहिए जो आप लोगोंकी जिंदगी लोन के चक्कर से बर्बाद होने से बचा रहे हो ।
Fantastic work
आपका नाम क्या है ।
Should we invest life insurance policies general insurance policies for health insurance policies for longer periods such as 15 years or 21 years please answer me?
With annual income of 500000
Amazing bhai sahi kaha aapne jisko dekho sab faase hue h rat race me sirf kamate h and gavate h
You say that use ola and uber but we should not buy a car on loan but suggest me that what should villager do? There are not ola and uber in the village.
Ekdam zabrast information. Baba love u
Sir aapki guidelines bahut acchi he. Me pakka amal krta hu
u r realy great sir thnks a lot ur teachings r more worthy than 12 year of school and 3 year of clg
Sahi baat hai
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सही है सर दौड़ कर तो विजय माल्या देश ही छोड़ गया है कोर्ट वकील बैंक दलाल सभी पीछे लग गए थे
Strongly Agreered with You Sir, My personal experience also resemblance with you, please make more videos which types of small business can give good returns.. 🙏
कर्ज कभी अच्छा होता ही नही हे उसमे नुकसान ही होता है
Majburi me lela padata he😢😢😢😢😢😢
You are amazing man you changed my way of thinking at a right time thank you bro... :)
Sir
Excellent.
Thanks.
Very nice.
Thanks for sharing such a nice information.
#Outstanding #Sir I support you sir . Thanks a lot for transferring best financial freedom life.
U absolutely rights sir, bank only take intrest first and very small amount debit from principal amt
Great advice for peaceful life. 🌟 👍👌🌠
Thanks sir.. apke videos se mujhe kafi sincere banaya he.. aage k kiye koshis kar raha hoon..
I liked very much your videos Sir Ji thank you so much
Aap sahi bol rahe hai. Aapke sabhi video bahut acche hai.
Awesome Sir,ur always right.
Such a Good opening.. When robert says i take debt and dont pay tax... I was thinking we must pay interest right? This fellow rightly mentions that American interest rate is low😂
Thank you for this valuable financial advice it will help people very much.
Agr benifit ho confirm to lena chahiye ya nahi
Image down to nahi hota sir,
Thanks you. You really changed my thinking... Now I am relaxed.... ☺️☺️☺️
Bahut kuch sikhne ko milta h mujhe aapki videos se
Thank you... Zorba The Zen... For your contribution... 🙏🙏🙏
Very gud zobra paji , tusi bahut wadia gallan dasde ho. Jatt kisan nu tohadian vidio jarur dekhnea chahidea ne. Satshriakal ji.
Love you sir.Shanti milti hai aapke vedeos dekh ka😊😊😊😊😊😊😊
Mujhee bhi shantii milltii haii
Love you Jyotica!
Dil se salaam......aapko 🙏🙏🙏
Ekdum satik aur sahi.....scripted jhoot se lakh behtar hai dil se kahi huyi baat.
You should write a book.
It'll be a gem
Video content is effective.
If u really doing good for the sake of people then please suggest me that what should a man do who has no house and rent rate are being increased day by day and the income is also not enough.
Sir mehne land kharida thora dur city se aur vo area dhire dhire develop kar raha hain. Land vhi sasta hain. Aur mera yeh plan hain ki meh 3rd floor meh rehunga aur nicha ka 2 floor rent aur atm keliye dedunga. Is it good???
Yes brother rent will help you paying your loan
Kitne time me vo develop hoga or kab rent chalu ho paaega ye point ko bhi dhyan me rakhe
Jo builder hain usse agreement karke 1 year meh kar dega
Bank me paisa rakhna chahiye ya cash me rakhna chahiye??
Sir, ur advices are very precious..
Thankyou for making such informative motivation video😊
Amazing sir $ thank you for Great knowledge and wisdom
आप की सभी वीडियो बहुत अच्छी होती है और आप की आवाज भी बहुत अच्छी है भाई जी
Sir
Main apka kafi video dekha hai
Achha laga bahut
And Robert kiosaki ka V kuch din 2-3 se dek rahatha
Thank you very much ki apne mera belief Tod Di debt ko lekar
Thank you
Sir main apse milna chatahu
Apke sath sirf ek din spend karna chatahu
Apse bahut kuch sik sakta hoon..
Thank you very much sir
Simple living high thinking🙏 thanku sir
Bohut badhiya asan bhasha me samjha diya