Life does not go according to calculators, practically it is always better to take loan with maximum tenure offered by the bank. Whenever there is excess money we can partly pay the home loan principal and reduce the tenure according to our wish. Alternatively we can reduce the emi and invest the excess money in MF which can fetch better return than home loan interest rate.
Naic information Aap ka har chij Bhari ki samjate ho kafi achcha lagta hai shayad koyi TH-cam channel per koi aisi video banata hogs aapki Jaisi sar thank u veri Mach
Thank you very very much..... like a brother you gave me best knowledge....l will make best decision further.....l will remember this video changed my life....
Hello, we also have conditions on prepayments from bank. Example: Customer is not allowed to make prepayment for 1st year... if you have any other such conditions on fluctuating interest rate and prepayments, prepare a video explaining those T&C.
Inflation is most important thing to consider. Loan gets devalued very fast in start. Most of the people will able to close their loan in 15 years. Take loan for 30years do not take any pressure. Time will automatically reduce your burden.
Ap jo bol rhe ho 20 saal k liye lo to usse dircetly apka loan amount eligibility kam ho jayega ....so best suggestion take it for max tenure but pay the extra premium to payoff it early
@@predator9147Bro , Less loan tenure lene se Less loan eligibilty aisa to maine kabhi nahi suna but ha inka matlab he ki loan mostly jyada tenure ke liye lo (20 years are best as from my point of view) aur uska 2 extra EMI pay karo yearly. Means 12 Month (12 EMI Payment + extra 2 EMI to usse aapka loan tenure kam hota jayega aur 20 saal ki jagah aapka 14-15 year me loan khatam ho jayega
Bhailog Jo ye video dekh rahe hai ek heck aapnao. Loan lamba tenure ka lo emi kaam aaiga so suppose aap 30000 EMI Dene me saksham ho toh lamba tenure liya toh 20000 EMI Bane ga ye extra 10000 prepayment kardena. Toh aapka ek saal me aapka emi kaam ho jai hai. Jo extra Paisa Bach Raha hai sab Pre Payment me daal do final interest amount bohot kam dena parega aur bank royega 😅
Wheather it is short term long term interest emi remains same but we use bank's money for 30 years where after 30 years money does not have same value. And another benefit in ITR
Sir itna acche se aap samjha te ho ke mere kitne kam aapke vedio dekh k asan ho jate he ..good job sir👍
Life does not go according to calculators, practically it is always better to take loan with maximum tenure offered by the bank. Whenever there is excess money we can partly pay the home loan principal and reduce the tenure according to our wish. Alternatively we can reduce the emi and invest the excess money in MF which can fetch better return than home loan interest rate.
Yes
Real business man brother! true. This way we can finish off our loan in no time.
U end up with giving lot of interest
Bhai lagta hai yeh bank ka agent haib😂😂
Very well said...this analysis is bullshit
Bang on spot.
Very correctly explained.
I, have personally closed my home loan of 20 years duration in 11.5 years.
Using 12+1 or 2
Can you send me how
That's nice!
thank you sir for using simple language without using tough terms and best video
Most welcome
Sir sbi vs lic term insurance ka bhi video bano
Ye Best Video Aur Best TH-cam Channel He Home Loan Ko Samajhne Ke Liye❤️❤️😁😁🙏🙏
U explain in simple method way, all people will understand ,how r all willing to take home lone.you r doing good job
Seedhi baath, No bakwas. Kudos.
Bank doesn't collect interest first. It calculates monthly interest on closing principle. Bank ke upar nahi hota Kitna interest kabhi charge karenge
Gajab ki Jankari shear ki sir aapne...🎉
Extra kist Dene ke bare me..
Great sir thank you... simple way you have explained to common man...
धन्यवाद सर
आपने बहुत अच्छे तरिके से समझया | सुंदर अति सुंदर
🌹🌹🌹🙏
Best video to understand, pre repayment of loan
Samjhane ka tarika bohot achha h sir aao ko. Good informative video for us
बहुत अच्छी तरह से समझाया सर आपने
Sir Apne बहुत अच्छे से समझाया धन्यवाद
Absolutely best information for home lone... Thanks
12+1 and 12+2 concept jabardast de...tension Khatam Kardiya sir
Best video on Home loan .. Keep up the great work
Really the Best Video on Home Loan... Thanks for sharing valuable information with us..🙏
Interest is not taken due to this reason. The concept of time value of money is important to understand. Money depreciation happen as well over time.
Naic information
Aap ka har chij Bhari ki samjate ho kafi achcha lagta hai shayad koyi TH-cam channel per koi aisi video banata hogs aapki Jaisi sar thank u veri Mach
This is the best information on home loan.
Sir aap to bhut kuch samjhe hai ❤
Sir extra kist Jo vrna hai kon se month mai bharna chahiye please give
paying at list 2 extra EMIs and stepping up the EMI at list 10% every year will make much difference.
Good explanation about loan repayment
Thank you very very much..... like a brother you gave me best knowledge....l will make best decision further.....l will remember this video changed my life....
Nice explanation bro will follow 12+2 from this year
Thank u so much sir for this valuable information. Bank ye kabhi nahi batati hai customer ko.
Execellent video and valuable learning video....for home loan Customer
Very well explained... Thanks for this valuable information
@ 13:28 Was most imp tip.
Very very informative & your presentation is best
Thanks sir, best video for home lone paying installment.
Hello, we also have conditions on prepayments from bank. Example: Customer is not allowed to make prepayment for 1st year... if you have any other such conditions on fluctuating interest rate and prepayments, prepare a video explaining those T&C.
Not sure about other banks, I've HDFC loan -Floating, max 25% per annum you can pay partly, where in fix you cannt do anything like this
This is rlly best information on home loan
Blessing form my family, Great Information on home loan,,, Jio Lala
Informative videos..keep it up 👍🏼
Thank you sir for giving such important information
Very beautiful explanation thanks for so informative video
best info bro..... good points covered. good suggesitons given to loose less money interest
Really loved the information
It will definitely help me
Sir it's so informating vedio sir you clear my lot's of doubt Thank u so much sir
Ok aapne bahuth acche samjaya. Tq
This is the best video on home loan
Inflation is most important thing to consider. Loan gets devalued very fast in start. Most of the people will able to close their loan in 15 years. Take loan for 30years do not take any pressure. Time will automatically reduce your burden.
One of best informative video for home lone.
Very very informative videos ❤❤
Phaltu word ki jagah aap jyada word ka istimal karo ...good information
Sir workorder ka kya concept hai? Agar ghar kaharid rehen hain t minimum kitna amount rehna chahiye haath me?
Best information, sir
Made us awaring❤
Superb informative video on home loan early repayment
Sir bahut asha lga apka video dekh kar
Thanks, this is the best information for home loan
REally great explained...Thanx
Very nice point discussed.👍
Very useful information 😊thank u so much 🙂
Very informative for me…THANKS
Detailed and clearly explained
Gud information. Eh gal hame nhi pta thi
Thank you for sharing such helpful and insightful knowledge in such simple term.
Very nicely explained sir how the loan concept work who was not knowing the concept will get to know very easily ❤❤
Best information sir this is very helpful information to every one
Thanku sir ji ...
Aap bahut achhi information dete ho ..koi doubt nhi chhodtey thanks sir ❤❤
Best video on Home loan...
Well explained , valuable information thanks.
Nice👍 video
Bank vale to batte nhi hai ye sab baat
VERY HELP FULL VIDEO FOR MIDDLE CLASS
Nice work sir ap ka gaidness
Ys tht is smart plain to fight against loan trap heads of sir excellent explai. Thank you sor❤
Thanks for you information...it's really helpful.
Thanks sir .kafi jankari mile.
❎ sadhdat lakh
✅ Satasat lakh ❤😂
Ap jo bol rhe ho 20 saal k liye lo to usse dircetly apka loan amount eligibility kam ho jayega ....so best suggestion take it for max tenure but pay the extra premium to payoff it early
yes 100% I agree
Bhai samjha nhi ,
Next month lene wala hun thoda samjhao
@@predator9147 matlb full 30 saal k liye lo par jldi chukane ki koshish kro jese emi jitni bane usse 5000 ya 10000 extra monthly dal sko to best h
@@predator9147Bro , Less loan tenure lene se Less loan eligibilty aisa to maine kabhi nahi suna but ha inka matlab he ki loan mostly jyada tenure ke liye lo (20 years are best as from my point of view) aur uska 2 extra EMI pay karo yearly. Means 12 Month (12 EMI Payment + extra 2 EMI to usse aapka loan tenure kam hota jayega aur 20 saal ki jagah aapka 14-15 year me loan khatam ho jayega
Thank you sir...very nicely explained 🎉
this is best video for Home Loan 👌
This is the best video on Home Loan Repayment
Most important this video for me❤
Mukesh upadhyay
Best information
Zaberdast bhai
Thankyou so much
Bhailog Jo ye video dekh rahe hai ek heck aapnao. Loan lamba tenure ka lo emi kaam aaiga so suppose aap 30000 EMI Dene me saksham ho toh lamba tenure liya toh 20000 EMI Bane ga ye extra 10000 prepayment kardena. Toh aapka ek saal me aapka emi kaam ho jai hai. Jo extra Paisa Bach Raha hai sab Pre Payment me daal do final interest amount bohot kam dena parega aur bank royega 😅
Correct sahi hai
Wah bhai
Best information for home loans😊😊😊
This is the best information about home loan
Thank u sir ji
Superb explaination
Yes, in fact you explained the secrecy of bank EMI. Good techniques to save money.
Wheather it is short term long term interest emi remains same but we use bank's money for 30 years where after 30 years money does not have same value. And another benefit in ITR
Very informative, thanks.
This is best information on home loan😊
Best information ❤
Wow amazing formula ❤.
Very good information. Thanks
Really the best information
Very Good information 👍
Mast samjha ya bhai ji🎉🎉🎉
Very good sir 🌹💖
Thank you such a detailed video 🙏
This is the best information of home loan
Great video! ❤
Thank you its was really helpful
Thanks Sir for your good information.
Thanks for giving us useful information