મેં already મારી 20 વરસ ની લોન ને 13 વરસ ની કરી દીધી છે એકપણ EMI વધુ ભર્યા વગર જ ફક્ત શરૂઆત ના 4 વરસ દરમિયાન જ હવે ફક્ત 8 વરસ 10 મહિના બાકી રહ્યા છે બાકી EMERGENCY ફંડ ને Market ma લગાડી ને સારું એવું 30%થી 40% જેટલું રિટર્ન મેળવી ચૂક્યો છું છેલ્લા 2 વરસ માં જ
I watched your video from Australia and really like and understand easily all the formula which you suggest. Thank for sharing nice and helpful ideas for everyone.
Gunj bhai, One most important think is that in comparison of homeloan repayment vs SIP , we should also consider income tax benifit on interest up to 200,000 INR per year.
72000 RS EMI CHA EVERY MONTH PAN HU SHARE BAZAR MA EVERY MONTH 3 LACS PROFIT THAAY CHE TO HU MARI JE SHARE MKT MA JE MARI MOODY CHE TE HU SHARE MKT MATHI PROFIT KARINE EVERY MONTH EMI BHARI DAU CHU
Good informational video I want to give an one add on point of taxation on income Mutual income are being taxed while home loan will get deduction if l you have opted for old scheme
Great Information. Definitely an eye opener. Also, you can Add one more calculation - Investing INR 45,000 per month in Mutual Fund SIP for 7 years after completion of the Loan, Imagine the returns at 12% , at the same time also saving an Extra 11,500 rs per month. This is Considering that one has to be mentally prepare themselves that his/her loan is still running.
Very useful information gunj thakkar sir good comparation teach us by u. sip v/s emi which is best? And it is difference for every person according to there plan thank u
Mane Lage che EMI nu haptu vadhari levu joye pachi direct dar mahine 30,000 hajar nu SIP karvay Hamda mari EMI 27,000 Mahine jaay che to 30,000 nu EMI karu ne loan pati jaay etle EMI na pura paise direct SIP ma nakhu biju to sallery thi continue che j
I did also had the same point when I did watch your previous video. Also I have the same understanding on the concept, that the decision rests on the individual that weather he is interested in clearing off the debt or looking for higher returns from market. Overall a very analysis by you broo... Thumbs up... 👍👍👍
7 years ma loan Puri Thai jaay pachi 7 thi 12 years sudhi je emi na rupiya baicha ene to ganatri ma lyo to.ane long term capital gains tax 10% sip ma kapai e pan nathi ganiyu
Hello Sir, No comparison no calculation only Simple rule in any condition: 1st complet your loan and free from it. Then after start investment. Always will be in benefit
Very good explanation and short video ma ganu badhu samjavi didhu ae mate khub khub aabhar... 7 year deva mukt thavu ae bov moti vaat chhe bhai... Repayment j best option chhe... Aevu lage ke paisa vadhe j chhe to aene loan puri thai jaay pachhi pan SIP ma invest kari sakay... 👍👍👍👍
HOME LOAN levani ichha thai che..pan EMI 40,000 aave che.. to em vichar aave chhe ke atyare rented house 12,000 saru padse..compare to own house.. Plz give some guidance
Rbi be like 》 Dum ho to jaldi loan puri karlo, kyunki emi ka intrest saal me baar baar badhaunga 🤣😂 to pachi gunjan bhai kevi rite Loan puri karvi jaldi
Ek sathe j bharva saro option che. Jo EMI increase karavso to pan ema thi capital + interest banne cut thase jyare ek sathe bharso to direct capital mathi j cut thai. Bank ma pan clearly puchi levu ek var. For e.g. 15,000 no emi aapne 20,000 kryo matlab 5000 increase kravia to e 5000 direct capital mathi minus nai kre ane jo tame 5000x12 = 60000 ek sathe bharso to te capital mathi minus thai jai.
મેં already મારી 20 વરસ ની લોન ને 13 વરસ ની કરી દીધી છે એકપણ EMI વધુ ભર્યા વગર જ ફક્ત શરૂઆત ના 4 વરસ દરમિયાન જ હવે ફક્ત 8 વરસ 10 મહિના બાકી રહ્યા છે બાકી EMERGENCY ફંડ ને Market ma લગાડી ને સારું એવું 30%થી 40% જેટલું રિટર્ન મેળવી ચૂક્યો છું છેલ્લા 2 વરસ માં જ
Stock market saru ke sip ma rokan karavu
Sip sari jo stock ma samaj na padti hoi to me last 2 year thi sip karvanu chalu karyu chhe atyare 32% return malel chhe @@jagahaj4116
tamari darek mahiti bahu j kamni hoy che and Thank you so much tame bahu j simple language ma samjavo cho Eni mate, 😊
ગુંજભાઈ....જો તમે Loan Amount ના 0.10% ની SIP કરાવો છો Loan Tenure સમય સુધી તો Loan Amount વ્યાજ સાથે મૂડી થઈ જાય છે.તો SIP જ કરવી જોઈએ.
Ty gunj bhai હું આ ટોપિક પર વિચારી રહી હતી અને ત્યાં તમારો વિડીયો મળ્યો....આભાર 🙏
Welcome 😁
Gunaj Bhai 👍👍 to good
👍 superb understanding ❤️
ખરેખર તમારા વીડિયો ખુબ જ ઇનટૈસટિગ હોય છે
Amazing speech and very useful as well.
Gunj bhai perfect solution deto ho aap thank you 🙏
👌👌👌👍👍👍
Great bhai
Good information 👍
Good I appreciate💕
Thanks 🇮🇳
11K ni SIP કરી ને 12 year ma જે ૩૬,૦૦,૦૦૦ રુપિયા આવે તેને પછિના 7 વરસ SWP 45000rs ની કરઈ તો પન ૨૨,૦૦,૦૦૦rs વધે મતલબ કે SIP j karay ....
Nice video
મારી હોમ લોન 14 લાખ ની છે.
હપ્તો(EMI) 12,100/- છે.
દર વર્ષે હું એક્સ્ટ્રા 1 લાખ મૂડી લોન મા ભરૂ તો મારી લોન ક્યારે પૂરી થાય.?
Right
I watched your video from Australia and really like and understand easily all the formula which you suggest. Thank for sharing nice and helpful ideas for everyone.
Easy way of explaining gunjbhai.
Keep posting such things
Well explained
Super fine
Thanks
Good
Thanks 😊
કોઈ સારી sip નો વિડ્યો અપલોડ કરો... 💐 જય જલારામ બાપા 🌹
Gunj bhai,
One most important think is that in comparison of homeloan repayment vs SIP , we should also consider income tax benifit on interest up to 200,000 INR per year.
જો તમે ટેક્સ સેવિંગ ફંડ માં SIP કરો છો તો તમને ૧,૫૦,૦૦૦/- સુધી નો ફાયદો થાય છે.
@@purvishkachhadiya
Yes but it's u/s 80 C . However my point is on home loan interest which is u/s 24.
Yes he is missing this whole income tax benifit point in whole conversation. I think that should also consider while doing any comparison
You get maximum upto 60000 benefit on interest component.
@@energyinfinity he was in a bit hurry 😃
Thank you bhai
Mast
Dost.... SIP is good...because home loan tax benifit is added advantage
72000 RS EMI CHA EVERY MONTH PAN HU SHARE BAZAR MA EVERY MONTH 3 LACS PROFIT THAAY CHE TO HU MARI JE SHARE MKT MA JE MARI MOODY CHE TE HU SHARE MKT MATHI PROFIT KARINE EVERY MONTH EMI BHARI DAU CHU
Bhai amane pan koe aavi tips aapo share bajar ma
Good nolaj sir ji👍
Wahhh
Good informational video
I want to give an one add on point of taxation on income
Mutual income are being taxed while home loan will get deduction if l you have opted for old scheme
Hello sir 1 video udhaym ragistration form fill kese kare uske bare me banke daliye
Great Information. Definitely an eye opener. Also, you can Add one more calculation - Investing INR 45,000 per month in Mutual Fund SIP for 7 years after completion of the Loan, Imagine the returns at 12% , at the same time also saving an Extra 11,500 rs per month. This is Considering that one has to be mentally prepare themselves that his/her loan is still running.
Kunj bhai solar system thi kV ritepaisha kamavau samjavajo
Very useful information gunj thakkar sir good comparation teach us by u. sip v/s emi which is best? And it is difference for every person according to there plan thank u
LATEST MAIN VODAFONE IDEA COMPANY NA SHARE BUY KARYA CHE EK LAC SHARE
Very good
Super
👍👍👍👌🏻👌🏻💐
Very helpful sir but we also have to take into consider the tax benefit we have from homeloan.
But if centrer government in future income tax regime change and do not
Give tex benefit in future on home loans internet etc. Thats hepens
Mane Lage che EMI nu haptu vadhari levu joye pachi direct dar mahine 30,000 hajar nu SIP karvay
Hamda mari EMI 27,000 Mahine jaay che to 30,000 nu EMI karu ne loan pati jaay etle EMI na pura paise direct SIP ma nakhu biju to sallery thi continue che j
I did also had the same point when I did watch your previous video. Also I have the same understanding on the concept, that the decision rests on the individual that weather he is interested in clearing off the debt or looking for higher returns from market. Overall a very analysis by you broo... Thumbs up... 👍👍👍
Sarkhu j che badhu bhai
Nice
EK LAC NA 16 LAC PAN THAYA JAIPRAKASH ASSOCIATES SHARE MA
Sir amari car lone settlement karvnu 6e to please enapar video banvo ❤❤❤
PPF or post office savings which better?
Sir 5 year 3 yeae loan mate pan video banavo
7 years ma loan Puri Thai jaay pachi 7 thi 12 years sudhi je emi na rupiya baicha ene to ganatri ma lyo to.ane long term capital gains tax 10% sip ma kapai e pan nathi ganiyu
Very informative 👍
Car loan ma ek sathe 2 ya 3 instalpment bhari sakiye?
SIP mate best option suggest karo pls 🙏🙏🙏
Sir tata AIA Life insurance uper video banavo
SIP ma vadhare benefit laage chhe..
Hello Sir,
No comparison no calculation only Simple rule in any condition:
1st complet your loan and free from it.
Then after start investment.
Always will be in benefit
Ya why should take burden and invest excessive money elsewhere like sip or anything just finish your loan ASAP and then invest 😊
Agreed👍
Very good explanation and short video ma ganu badhu samjavi didhu ae mate khub khub aabhar... 7 year deva mukt thavu ae bov moti vaat chhe bhai... Repayment j best option chhe... Aevu lage ke paisa vadhe j chhe to aene loan puri thai jaay pachhi pan SIP ma invest kari sakay... 👍👍👍👍
SIP
12 yrs SIP nu interest malya pachhi e paisa thi loan payment Kari j sakay ne?
Lone chalu rakavi ane sip karavi kadhac mari gaya to emi free ane sip male
Emi nu option saru che etle Jem loan Puri thaye to Biju home purchase Kari sakiye & eme interest ni income chalu Thai gy..
Sir free lancing no pun video banavo it field maate
Suggest me 6 lacs ni alag credit card ni loan che to su krvu joie
Give information about home loan subsidy... If subsidy credited than what can we do either decrease EMI or decrease tenure???
Sir SIP kai rite karay
સગવડતા હોય તો લોન પૂરી કરાય કે ક્યાંક રોકાણ
Such a good informative video gunjbhai.
Perfect loan wehli bharvi
Emi to sare hi bhar diye to kya fayda ,bad me bharne ki jagah jaldi bhar diye
HOME LOAN levani ichha thai che..pan EMI 40,000 aave che.. to em vichar aave chhe ke atyare rented house 12,000 saru padse..compare to own house..
Plz give some guidance
One Question ?
When we make payment of 3 Multiplication amout of our EMI on yearly basis, whether we have to decrease EMI nos. OR Tenure ?
Thanks, hu aani j sodh ma hato.
Sip kya karavu
Sir Tamara last loan na video ne lidhe me loan vadhare bhareli che
When
U compare with same %
SIP No koi faydo nathi.....60 year ma 1cr 2cr made eno koi use nathi
Loan
50 lakh for 20yrs monthly installment 45000at 9% looks too much
Loan karya na sharuvat na 2 thi 4 year sudhi saky etla paisa loan ma bharva joie
Cash credit details video please
SIP mate best app Kyu please aek video banavi dejo ne
A''vad ma che ek office... Details kahu..? Maro Reference aap jo.. Bv j easyly guide krse tmne ane 110% safe che emnu badhu...
Home loan chukav vi sari pade
Fhitoch kaya he sir
Yaar Aa sip and loan na hapta e to badhu bhari sakay pn ek vaat no answer aapo k aatla badha paisa kamavay kai rite
Sir Mari home loan nu part payment me 17 January ae karyu ae paisa mara account ma ketla divse show karse ,answer aapjo
Rbi be like 》 Dum ho to jaldi loan puri karlo, kyunki emi ka intrest saal me baar baar badhaunga 🤣😂
to pachi gunjan bhai kevi rite Loan puri karvi jaldi
Can i take person loan for new business startup??
Sip ma pakti rakam Ane vyaj tax Patra che
Mutulfunds uper ek video gunj bhai
Sip is good but Kay campani (name)
Plz sir mahiti do
SIP Guaranteed return aapse ?
Motabhagni MF scheme loss ma chhe
SIP ઈનકમ માં ટેક્સ બેનિફિટ મળે છે?
ના નથી મળતુ. એ તમારા આવક મા ગણાશે અને એની પર ટેક્સ ભરવો પડશે
Loan ma every month emi plus extra pay karva sara k every month bhega kari ne yearly 1 sathe bharva ?
Yes
Same question please tell me any idea
Ek sathe j bharva saro option che. Jo EMI increase karavso to pan ema thi capital + interest banne cut thase jyare ek sathe bharso to direct capital mathi j cut thai. Bank ma pan clearly puchi levu ek var. For e.g. 15,000 no emi aapne 20,000 kryo matlab 5000 increase kravia to e 5000 direct capital mathi minus nai kre ane jo tame 5000x12 = 60000 ek sathe bharso to te capital mathi minus thai jai.
Gunj bhai emi par gold mali shake
Income tax on return not considered in this calculation!!!
Home loan new house mate mahiti apo
Sir please ho toh 1200000 12 lacs loan 9%emi 15 in a year ka calculation bataiye