இன்னொரு சூப்பரான வழியும் இருக்கு- அதுக்கு பொறுமை வேணும். RD-ல் பணம் சேமித்து எந்த உறுத்தலும் இல்லாம வாங்கலாம். 6 மாதத்தில் அந்தப் பொருளே தேவைப்படாது என்று கூடத் தோன்றலாம்!!
சூப்பர் explanation! நான் உங்க different 'you tube' presentation on real concepts, illusions, to prevent fraudulent, etc., Very Usrful. Lively. Sister go head. You already succeeded. 👍🏼🙏🏼👌🏼🌹🙂
10:58 all ok but 1 year ku aprom antha product price low akirum and also outdated. If outdated also acceptable. But for that 1500 we need to wait for 1 year then how it's a solution. If it's an urgent means then what will can make a solution for it and upload another video pls.
In the starting of video you are telling no cost emi is trap. Then at the end you telling that it is good. Don't confuse the people. First you get aware of which is best then tell to us.
தவறான தகவல். பிராஸசிங் fee என்பது திருப்பி செலுத்தும் காலத்தைப் பொறுத்து மாறாது. பிராசஸிங் fee ரூ 200 - 300 க்கு மேல் இருக்காது. நான் அமேசானில் வேறு வங்கிகளின் Credit Card, debit Card இரண்டிலும் No Cost EMI பயன் படுத்தியிருக்கிறேன்.
அந்த படபட பேச்சு.. தமிழன் மூச்சு.. அந்த வணிக தொழில்நுட்ப பொருளாதார அறிவு கப்பலேறி தொழில் செய்த காலத்து அனுபவம்.. வாழ்த்துகள் யுவராணி. நீ கடன் வாங்குவதில்லை கடன் கொடுப்பாய் என்று கட்வுளால் ஆசீர்வதிக்கப்பட்ட யூதன் தான் இன்றைக்கு உலகின் மிகப் பெரிய கடன் திட்ட முதலாளி. எல்லா வட்டியையும் அவன் தான் வசூல் பண்ணுகிறான். அந்த வகையில் இறையருளால் கடன் வாங்காமல் தவணையில் பொருள் எதுவும் வாங்காமல் எளிமையாய் வாங்குவதுதான் புத்திசாலித்தனம். அண்மையில் ஒரு பேட்டியில் விழுந்துபோன ஏர்செல் கம்பெனியின் முதலாளி சொன்னதுபோல நமக்காக பொதுஜனம் செலவு செய்கிறது எனில் வெள்ளி ஸ்பூனில் தங்க பஸ்மம் சாப்பிடுவது தவறல்ல.
Post EMI INTREST VARIES 14 % TO 24 %. NOT 36 %. 36 % APPLING FOR MINIMUM PAYMENT I.e for 5 % of principles. Your presentation is excellent. No extra ward is used any where.
எதுவும் இங்க சும்மா கிடைக்காது, உங்களுக்கு review போலான நீங்க வீடியோ make பண்ணுவிங்களா, அநியாய வட்டி தான் தவறு emi தவறு இல்லை, உண்மையா சொல்லனும்னா கீழ் தட்டு மக்களுக்கு ஒரு வர பிரசாதம் இந்த emi.
Ideas are good. But if I invest the capital in a FD, how will I be able to pay for the 6 months EMI, as my full capital is locked in the FD. Also, please mention the GST charges on top of the processing fee.
Sis, why don't you have a live session atleast once a month to clarify finance related doubts of many. Pls try. Video was very much informative and useful. Thanks and God Bless You Sis.
good your boldness, clear learing to us is great, keep it up.what about discount when we purcahse items with full amount, can u please explain, it varies shop to shop. example inour daily life if i purcahse horlicks 500gms at departmental store , they willl give full mrp price , few may have points forget that, if we purchase normal annachi store they give arount 6rs or 7 rs less than mrp example for 100 rs they will ask only 93 rs. so like that mention ele tronic goods items
Amazon icici credit vs icici credit card different na enna & Normal icici credit card no cost EMI ku use panna mudiuma on Amazon & Even othe cash back also Atha paththi solluingga akka. Same flipkart axis credit card.
kannu Yuvarani, i’m a Amazon Pay ICICI Credit Card holder.. just by going with no cost emi for a product worth 1,00,000 plus rupees. I’m getting benefitted. why don’t you try something else?
I find obtaining credit card against same bank F/D is useful. Card is free, no paperwork, no annual charges, valid lifelong, doesn't affect the interest accumulation because of purchase using credit card, as long as you repay on due date! In no cost EMI you loose on small processing fee. Very useful for senior citizens living on interest from their F/D. Bank F/D rates maybe low but fund liquidity is as simple as clicking a button on the bank app.
Excuse me , Space of Doubt Day one la 60000 Credit card 💳 swipe up for mobile Next Day two la FD invest done Next Fsix EMI payment Done 60000 If it is correct we Need 120,000 to avail 1500 Full cash இருந்தா full payment stores la bargains pannalaam dear try பண்ணுங்க ❤❤ Thanks for sharing 👍
I have this doubt for very long time when we purchase something with no cost and then when the credit cards add the EMI, there is always an addition of GST on the EMI amount. Is there something we are paying extra.?
Your efforts to improve the financial intelligence of the viewers through the TH-cam videos are really worth appreciating... I am seeing you as the sister of ROBERT KIYOSAKI who made significant efforts through his books like RICH DAD AND POOR DAD to improve the financial intelligence of the readers... Congratulations to you for your wonderful and useful services provided to the viewers especially belonging to the lower and middle class families...
Merchant side la irundhu no cost emi potta veru processing fee mattum illa processing fee ku gst,monthly emi amount kooda interest and adhukku gst varum nu sollalaye?
I prefer EMI even if i have full amount, as i can have my amount in account for other purposes and processing fee is applicable to both std EMI and no cost EMI , However post purchase emi option shd be avoided as the rate of interest will be higher than std emi
புதிய இருசக்கர வாகனம் Emi ல வாங்கும் போது rto charge ( rto fees nu google chek panna 300 rs வருது ) டீலர்ல அதிகமாக வாங்குறாங்ல அது கண்டிப்பா rto ku தான் போகுதா இல்ல டீலர்கு போகுதா அதை பற்றி சொல்லுங்க சகோ.....
Best fix a product with 3 models and enqurie offline wait for prime days in online use credit cards with special discounts as rs1500 to 2500 after that with 0 cost emi u will get best deals ,door delivered and hassle free installation save lot of money. I used this way min saving 15 percent vs offline..for AC in saving I bought stablzer, bracket, and extra also paid installation charge 😊
Hi, if we take a personal loan the bank charges processing fee and we have to pay interest, still we need to pay 18% GST for processing fee and interest amount, it makes so much burden, is there any solution? Is GST refundable ? what the government do with the GST , can u explain this in detail.
EMI amount interest ku GST poduvaanga and this applicable for both standard EMI and no cost EMI. So no cost EMI ah irunthalum we have to pay some extra amount for interest GST.
If u have cash...say 50000 and buying anything. Buy in EMI and invest the 50000.. Assume ur paying 54000/for a year and interest on your deposit is 3500, after one year u will be having the phone and 50000... Without emi interest banks can't give you deposit interest
Naan yerkanave intha method thaan use pannu 2 tear munnadi oru harddisk SSD vankunen. Rs.25000-2TB . Naan no cost EMi la 6 month ku order pannunen wirh processing fee 200. But anrha month ah FD la deposit panni 6 month ku 600 interest vanthathu so 400 Labam.
If you have full payment don't purchase with full payment. Take maximum month no cost emi. 12-18month on a few products. After delivery call to bank and cancel no cost emi and pay full amount. This will save huge money if you purchase a product 60000 means u get 4000-5000 savings.
Many time I used this method, yuvarani why can’t you plan for an interaction session with people how the investing and saving money or how they have knowledge on it. If this interaction happens everyone can get many ideas and knowledge
Processing fee i guess is done for all emi other than zero percent emi as well. It is ok if i pay 200 rs extran on zero percent emi rather than paying 2000 for six month extra which would be 10 times higher and they also charge processing fee for non-zero percent emi.
*Sister na amazon pay icici card la 20000 mobile no cost emi la vangana *Emi processing fees 199 with 18% tax total 235 * 6month ×3333=total 20000 plan * 2% percentage 20000ku payment handling charge total per month 3400 vanthuchi ... *Total Emi plan 3340 bank side share pannuvanga principal amount and interest amount nu .. *(Ex) Principal amount 3000 vachikonga intrest amount 340 total 3340 ennodo monthly emi plan tha .. *But twist enna na intrest amount Iruku la 350 ku namba central and state gst 9+9= 18 %kattanum overall 3380 varuthu every month *Overalll procesing fees la add panna 20900 varum extra 1000 pay pandra mari varum emi la ..atha mobile la full payment panni vangi irutha 18000 ku vangi irukalam discount 2000 icici credit card ku ...my experience ithu tha ...emi 😂
Company offerல் Bank emi( 6month ) வாங்கினால் Cash purchase ஐவிட குறைவாக வாங்கலாம். அதை நீங்கள் சொல்லவில்லை. போனவருடம் இந்தமுறையில் வாங்கியதில் Fridgeக்கு ₹4000 இந்தவருடம் Acக்கு ₹4500 Cash purchase ஐவிட குறைவாக செலுத்தினேன்
💳 Course on Credit Card - ffdm.app/adnq
199+18% GST=235😂😂😂😂😂
Subvention scheme Pathi sollunga
missed about GST on emi
Normal EMI kum processing fee iruku... Atha solala... Check the same page carefully...
பதினோறு நிமிடங்கள் கழித்து சொன்ன அந்த யோசானை (ஒரு மாதம் வெயிட் பண்ணி முடிவெடுப்பது ) மிக அருமை 👌
வாழ்துக்கள் 👍
11 மாதங்களுக்குப் பின் அந்தப் பொருளின் விலை அதே விலையில் இருக்குமா? இறங்கினால் சரி... விலை ஏறிவிட்டால்???!!!
😊Processing fee max 199-299 for 12 months emi.
You are misleading. Rest of info are well and good👍
இன்னொரு சூப்பரான வழியும் இருக்கு- அதுக்கு பொறுமை வேணும். RD-ல் பணம் சேமித்து எந்த உறுத்தலும் இல்லாம வாங்கலாம். 6 மாதத்தில் அந்தப் பொருளே தேவைப்படாது என்று கூடத் தோன்றலாம்!!
Yes correct
Rd full meaning
@@abdullaabdulla2026
Research & Devolpment
@@abdullaabdulla2026Required Deposit
Recurred Deposit @@abdullaabdulla2026
Niraya nalla information enkalla Mathri house wife kku easy puriyara mathri solluringea Thank you Mam….👏👏👏👏👏
No credit cards.
No EMI
No tension
No GPay
Only SB a/c
Walking directly to bank
I am leading happy life.
Same
Thankyou for your kind reply
That's right I am following the same principle
Really awesome video......useful ha irrunthuchi....thank you.....yuvarani....keep rocking.....
delay the purchase- best suggestion . finance na verum calculation mattum illa, emotions um iruku nu prove panringa. well explained
சூப்பர் explanation!
நான் உங்க different 'you tube' presentation on real concepts, illusions, to prevent fraudulent, etc.,
Very Usrful. Lively. Sister go head. You already succeeded. 👍🏼🙏🏼👌🏼🌹🙂
உங்கள் நடிப்பு மிகவும் அருமை. எதாவது நாடகம் நடிக்கலாம்
10:58 all ok but 1 year ku aprom antha product price low akirum and also outdated. If outdated also acceptable. But for that 1500 we need to wait for 1 year then how it's a solution. If it's an urgent means then what will can make a solution for it and upload another video pls.
உங்களது விளக்கம் மிகவும் சிறப்பாக உள்ளது.வாழ்த்துகள்
மிகச் சிறப்பு. ஒரு மாதம் திட்டம் கருத்தில் கொள்ள வேண்டியது.
.
In the starting of video you are telling no cost emi is trap. Then at the end you telling that it is good.
Don't confuse the people. First you get aware of which is best then tell to us.
This is called delayed gratification! well done with ur explanation
Good info, but it's EMI of six month is 2500, we get 1500. It means battle is still on. Sometimes delayed gratification is the best solution in my POV
தவறான தகவல். பிராஸசிங் fee என்பது திருப்பி செலுத்தும் காலத்தைப் பொறுத்து மாறாது. பிராசஸிங் fee ரூ 200 - 300 க்கு மேல் இருக்காது.
நான் அமேசானில் வேறு வங்கிகளின் Credit Card, debit Card இரண்டிலும் No Cost EMI பயன் படுத்தியிருக்கிறேன்.
How to use debit card to buy products in Amazon please explain
Video starts at 0:53
அந்த படபட பேச்சு.. தமிழன் மூச்சு.. அந்த வணிக தொழில்நுட்ப பொருளாதார அறிவு கப்பலேறி தொழில் செய்த காலத்து அனுபவம்.. வாழ்த்துகள் யுவராணி. நீ கடன் வாங்குவதில்லை கடன் கொடுப்பாய் என்று கட்வுளால் ஆசீர்வதிக்கப்பட்ட யூதன் தான் இன்றைக்கு உலகின் மிகப் பெரிய கடன் திட்ட முதலாளி. எல்லா வட்டியையும் அவன் தான் வசூல் பண்ணுகிறான். அந்த வகையில் இறையருளால் கடன் வாங்காமல் தவணையில் பொருள் எதுவும் வாங்காமல் எளிமையாய் வாங்குவதுதான் புத்திசாலித்தனம். அண்மையில் ஒரு பேட்டியில் விழுந்துபோன ஏர்செல் கம்பெனியின் முதலாளி சொன்னதுபோல நமக்காக பொதுஜனம் செலவு செய்கிறது எனில் வெள்ளி ஸ்பூனில் தங்க பஸ்மம் சாப்பிடுவது தவறல்ல.
சரியாகச் சொன்னீர்கள்!!!!
Poor explanation...even standard emi Also having processing fee...as per RBI guidance
நடுத்தர மக்களின் யுவராநீ 👉🏻❤
Post EMI INTREST VARIES 14 % TO 24 %. NOT 36 %. 36 % APPLING FOR MINIMUM PAYMENT I.e for 5 % of principles. Your presentation is excellent. No extra ward is used any where.
Very useful video ... thank you
Yuvarani podra video's ku mattum than adhigama comments views varuthu 😋😋 yuvarani TH-cam Rani 👸👸👸👸👸
பழைய மாதிரி சேமித்து பணம் கொடுத்து பொருள் வாங்குவதே சாலச் சிறந்தது.
EMI na Every month installment nu nenachinu irundhen
Equated monthly installment nu innaiku intha video la than therinjadhu
Mikka nandri sago
Please explain about below charges what is pick up charge
Bounce charges:_* ₹ ****
Penal charges:_* ₹ 0
Pick up charge:_* ₹ ***
Other charges:_* ₹ 0
எதுவும் இங்க சும்மா கிடைக்காது, உங்களுக்கு review போலான நீங்க வீடியோ make பண்ணுவிங்களா, அநியாய வட்டி தான் தவறு emi தவறு இல்லை, உண்மையா சொல்லனும்னா கீழ் தட்டு மக்களுக்கு ஒரு வர பிரசாதம் இந்த emi.
Processing Fees: Typically, banks charge a flat processing fee if you choose the No Cost EMI option. This fee can range from Rs. 99 to Rs. 300.
அருமையான பதிவு வாழ்த்துக்கள் தோழி 💐💐🙏
Ideas are good. But if I invest the capital in a FD, how will I be able to pay for the 6 months EMI, as my full capital is locked in the FD. Also, please mention the GST charges on top of the processing fee.
EMI onnu vantha piragu thaan business development aagirukku. Ungalukkum nallathu thaan nadanthurukku itha pathi solli video paarkavaikka
Sis, why don't you have a live session atleast once a month to clarify finance related doubts of many. Pls try. Video was very much informative and useful. Thanks and God Bless You Sis.
good your boldness, clear learing to us is great, keep it up.what about discount when we purcahse items with full amount, can u please explain, it varies shop to shop. example inour daily life if i purcahse horlicks 500gms at departmental store , they willl give full mrp price , few may have points forget that, if we purchase normal annachi store they give arount 6rs or 7 rs less than mrp example for 100 rs they will ask only 93 rs. so like that mention ele tronic goods items
🌟Basic thing is, 📯you should save money every month & then accordingly you plan for purchases, 📯
Thanks madam your all videos is most useful...
Amazon icici credit vs icici credit card different na enna & Normal icici credit card no cost EMI ku use panna mudiuma on Amazon & Even othe cash back also Atha paththi solluingga akka. Same flipkart axis credit card.
யுவராணி அக்கா வணக்கம். நாங்க எப்போதும் ரெடி cash தான் அக்கா. நன்றி வணக்கம் அக்கா 🌹🌹🌹
U r right yuvarani...
Post purchase EMI attracts interest only at about 13%. But we should convert the purchase into EMI before the due date for payment.
kannu Yuvarani, i’m a Amazon Pay ICICI Credit Card holder.. just by going with no cost emi for a product worth 1,00,000 plus rupees. I’m getting benefitted. why don’t you try something else?
Good information great 👍
Great definition.. congratulations
I find obtaining credit card against same bank F/D is useful. Card is free, no paperwork, no annual charges, valid lifelong, doesn't affect the interest accumulation because of purchase using credit card, as long as you repay on due date! In no cost EMI you loose on small processing fee. Very useful for senior citizens living on interest from their F/D. Bank F/D rates maybe low but fund liquidity is as simple as clicking a button on the bank app.
Appreciate your efforts for sharing this emi awareness information
Very informative video!
Good financial advice
Excuse me , Space of Doubt
Day one la 60000 Credit card 💳 swipe up for mobile
Next Day two la FD invest done
Next Fsix EMI payment Done 60000
If it is correct we Need 120,000 to avail 1500
Full cash இருந்தா full payment stores la bargains pannalaam dear try பண்ணுங்க ❤❤
Thanks for sharing 👍
At last someone who thinks and uses brain among Yuvarani viewers lol
GST is 18% for the interest plays major role, Shouldn’t not use credit card EMI at all.
Awesome 👏
I have this doubt for very long time when we purchase something with no cost and then when the credit cards add the EMI, there is always an addition of GST on the EMI amount. Is there something we are paying extra.?
Nice explanation sister
Please talk on professional tax.
Your efforts to improve the financial intelligence of the viewers through the TH-cam videos are really worth appreciating...
I am seeing you as the sister of ROBERT KIYOSAKI who made significant efforts through his books like RICH DAD AND POOR DAD to improve the financial intelligence of the readers...
Congratulations to you for your wonderful and useful services provided to the viewers especially belonging to the lower and middle class families...
Merchant side la irundhu no cost emi potta veru processing fee mattum illa processing fee ku gst,monthly emi amount kooda interest and adhukku gst varum nu sollalaye?
Ithula every month gst for principal and interest calculate agala?
நிறைய explaination இருக்கு. எளிய மக்களுக்கு புரியர மாதிரி கொஞ்சம் சொல்லுங்க sis
Very good advices
Amma, many aware of this, still it's better
Thank you 😍
Superexpletion. ❤
I prefer EMI even if i have full amount, as i can have my amount in account for other purposes and processing fee is applicable to both std EMI and no cost EMI , However post purchase emi option shd be avoided as the rate of interest will be higher than std emi
Super 😊
How do you say intrest rate in post purchase is 32% to 45% could you please explain
புதிய இருசக்கர வாகனம் Emi ல வாங்கும் போது rto charge ( rto fees nu google chek panna 300 rs வருது ) டீலர்ல அதிகமாக வாங்குறாங்ல அது கண்டிப்பா rto ku தான் போகுதா இல்ல டீலர்கு போகுதா அதை பற்றி சொல்லுங்க சகோ.....
Madam, I'm following this method already. The last method ,
Best fix a product with 3 models and enqurie offline wait for prime days in online use credit cards with special discounts as rs1500 to 2500 after that with 0 cost emi u will get best deals ,door delivered and hassle free installation save lot of money. I used this way min saving 15 percent vs offline..for AC in saving I bought stablzer, bracket, and extra also paid installation charge 😊
Fd la potta eppadi EMI katta mudiuu monthly withdraw panna mudiuma. Intha concept purila itha paththi explain pannuingga
Madam one doubt
60000 fd la pottuta naan endha amound vachu monthly emi ya pay pantradhu.
Hi madam FD how to investment
Fd pogama gold coins la invest pannuna 60k ku 1 savaran vangidalam 6 monthla nalla profit varum
Ma'am Why are you shouting. But still it's not clear for emi on debit card, it looks like you are simply scaring people.
yuvarani...... EMI na Easy Monthly Installment illaya???? Ithana naala Nammala Yemathitu Irukkanola? "Easy"-na Easy-a kattirlamnu nenachane....🙄😬😟😧😨😥😭😩😁😁😁😁😄
Hi, if we take a personal loan the bank charges processing fee and we have to pay interest, still we need to pay 18% GST for processing fee and interest amount, it makes so much burden, is there any solution? Is GST refundable ? what the government do with the GST , can u explain this in detail.
Postpone buying things for 30 days.. best way to avoid unnecessary shopping
EMI amount interest ku GST poduvaanga and this applicable for both standard EMI and no cost EMI.
So no cost EMI ah irunthalum we have to pay some extra amount for interest GST.
If u have cash...say 50000 and buying anything. Buy in EMI and invest the 50000.. Assume ur paying 54000/for a year and interest on your deposit is 3500, after one year u will be having the phone and 50000... Without emi interest banks can't give you deposit interest
Yethu Yeppidiyo neega
Finance minister aiyuduveeganu
Neneikere valthukkal
super yuvarani....
Naan yerkanave intha method thaan use pannu 2 tear munnadi oru harddisk SSD vankunen. Rs.25000-2TB . Naan no cost EMi la 6 month ku order pannunen wirh processing fee 200. But anrha month ah FD la deposit panni 6 month ku 600 interest vanthathu so 400 Labam.
If you have full payment don't purchase with full payment. Take maximum month no cost emi. 12-18month on a few products. After delivery call to bank and cancel no cost emi and pay full amount. This will save huge money if you purchase a product 60000 means u get 4000-5000 savings.
Really Super 👏👍
What about capital gain tax on FD RETURNS ?
Tq sis
Processing fee 200 first month emi mattum tha varum
But how to pay my emi every month if I invested 60k in 6 months FD
Many time I used this method, yuvarani why can’t you plan for an interaction session with people how the investing and saving money or how they have knowledge on it. If this interaction happens everyone can get many ideas and knowledge
Pinellabs give more cashback for offline productts....
Example..
I'm buying 11kg front load washing machine ..
Cash payment= 51000
But , credit card emi conversion payment 40500 only.... 😂😂😂😂😂
So I'm buying credit card method.. 🎉🎉🎉🎉
Processing fee i guess is done for all emi other than zero percent emi as well. It is ok if i pay 200 rs extran on zero percent emi rather than paying 2000 for six month extra which would be 10 times higher and they also charge processing fee for non-zero percent emi.
70k downpayment panni bike vangune 36 month 6,642 rs emi now 14 months kattiruke ippo emergency ku cash theva paduthu antha bike ah epdi sale pandrathu
super pa
Informative
You didn't mentioned EMI gst as well as processing fee gst
Canara Robeco details soluga
Too noisy, less clarity, (reward points earned in credit cards not covered)
Not complete or comprehensive. Can say well tried…
இந்த ஆடை உங்களுக்கு நல்லாவே இருக்கு
*Sister na amazon pay icici card la 20000 mobile no cost emi la vangana
*Emi processing fees 199 with 18% tax total 235
* 6month ×3333=total 20000 plan
* 2% percentage 20000ku payment handling charge total per month 3400 vanthuchi ...
*Total Emi plan 3340 bank side share pannuvanga principal amount and interest amount nu ..
*(Ex) Principal amount 3000 vachikonga
intrest amount 340 total 3340 ennodo monthly emi plan tha ..
*But twist enna na intrest amount Iruku la 350 ku namba central and state gst 9+9= 18 %kattanum overall 3380 varuthu every month
*Overalll procesing fees la add panna 20900 varum extra 1000 pay pandra mari varum emi la ..atha mobile la full payment panni vangi irutha 18000 ku vangi irukalam discount 2000 icici credit card ku ...my experience ithu tha ...emi 😂
Good awareness video
Company offerல் Bank emi( 6month ) வாங்கினால் Cash purchase ஐவிட குறைவாக வாங்கலாம். அதை நீங்கள் சொல்லவில்லை. போனவருடம் இந்தமுறையில் வாங்கியதில் Fridgeக்கு ₹4000 இந்தவருடம் Acக்கு ₹4500 Cash purchase ஐவிட குறைவாக செலுத்தினேன்
Proactive video thank you