To Support our channel , use below links 👇 You can compare Term Insurance here bit.ly/46hsSJA You can compare Health Insurance here tinyurl.com/pgc9dcxc Get Best & Free Credit cards Apply Now IDFC free Credit Card (Free) - wee.bnking.in/ZTFkZTc1 AU Credit Card (Free) wee.bnking.in/NmZkNGQ4
Sir , you have not said about the LTCG tax and tax grid on the total gains of the mutual funds & moreover nifty will not give more than 13-14%/ yr (CAGR).
మీరు చెప్పింది వాస్తవం..కానీ రెంట్ ఇంట్లో ఉండటం own house lo ఉండటం లో చాలా తేడా ఉంటుంది అది రెంట్ హౌస్ లో ఉండేవాళ్లు కి తెలుస్తుంది... ఓన్ హౌస్ అనేది ఒక ఎమోషన్ .. కాకపోతే లోన్ ఒక 30% వరకు మాత్రమే ఉండి 70% క్యాష్ తో తీసుకునేలా ఉండాలి. మొన్న కరోనా వచ్చింది అని ఇంటి ఓనర్ మిగితా రెంట్ వాళ్ళు ఒకతన్ని ఇల్లు ఖాళీ చేయించారు మనకంటూ ఒక సొంత గూడు ఉండటం లో ఉన్న కాంఫర్ట్ దెంట్లో కూడా ఉండదు... చాలా మంది భారతీయులు ఇల్లు నీ ఒక ఇన్వెస్ట్మెంట్ గా కాకుండా ఒక కంఫర్ట్ లా భావిస్తారు... రోడ్డు కి దగ్గరగా అపార్ట్మెంట్ ఉండేలా ఉంటే అపార్ట్మెంట్ thiskovachu..లోపల అయితే independent House బెస్ట్...
This is exactly what I thought about owning a house. Instead of paying EMI, I personally want to invest that money for a better return rate. You gave more clarity with your calculations. Thank you sir. 👍
Ultimate Explanation sir, I really don’t know who ru, i m just watching TH-cam and read tagline but after watching ur video it’s very worth full middle class families like me. Thanks a lot.
I wish I had seen your video 6 years back when I bought my apartment. I could have avoided lot of pressure. Also I recently came across a person who did the smart thing of investing in Mutual funds as strict as paying EMI for 8 years and bought house with 80% down payment for a 1 CR apartment. I did not meet him sooner in my life. Lesson learned in hard way. Thank you for educating people like me. I am trying to educate people in my friend circle. Your video will help many more. I will share it with them.
I don't think you are alone in analysing all the pros and cons that you have come up in this video , really appreciate your team's effort. super team and great leader!!
సార్ మీరు చాలా చక్కగా వివరించారు మీకు ధన్యవాదాల🙏 నాకు ఒక సందేహం వచ్చింది సార్ హౌసింగ్ లోన్ ఉంటే EMI కట్టి తర్వాత కొన్ని సంవత్సరాలకి ఇల్లన్న ఉంటుంది అద్దె ఇంట్లో ఉండి మీరు చెప్పిన విధంగా investment చేసేవాళ్ళు ఎంతమంది ఉంటారు అని నాకు సందేహం కలిగింది
Here everyone misses one important point he has mentioned. "Loan takes away your freedom to do anything else other than day job to reach better future e.g., business". We will lose that freedom for our good "young" 15 years. Time (e.g., age) is the most valuable commodity in the world, don't live it for some one else's (banks, builders). Save your money as you earn, Buy your house when you can. Have freedom at your valuable years to do what you can and become in your life. The moment you take the loan, you are stuck - no matter how hard worker you are, how big your goals are, you got to do that same job.
Yes Bro 1. Buy your house when you can. 2.We will lose that freedom for our good "young" 15 years. Money ella karchu petalo, ella invest cheyalo teliani valu, Present life ni enjoy cheyadam teliyinavalu Apu chesi ellu kontaru .
ఏ calculate చేసినా సొంత ఇల్లు సొంత ఇల్లే...ఆ వాల్యూ యే వేరు అద్దె ఇంట్లో satisfaction అనేది ఉండదు.. ఓనరు చెప్పినట్లు Fallow అవ్వాలి. ఇల్లు వెకేట్ చేసి వేరే ఇంటికి మారాలంటే పిల్లలతో చాలా ఇబ్బంది... location మారిపోతుంది... shifting charges భారమవుతుంటాయి...సొంత ఇల్లు ఉండటం వల్ల ఇతరస్త్ర ఏలోన్సు అయినా Easy గా వస్తాయి
చాలా బాగా చెప్పారు.. ఓనర్ దగ్గర తలవంచుకుని తిరగాలి.. సొంత ఇంట్లో ఉన్న ఆత్మ సంతృప్తి వేరు.. ఇల్లు కొనకుండా డబ్బులు షేర్ లో పెడితే.. ఆ షేర్లు ఒకేసారి డమాల్ అయితే.. అప్పుడు లాభం గూబకి వస్తుంది..
Sir, there are few more things I would consider based on my personal experience. 1. Investment Risk factor - one of the important factor to me. I have invested in mutual funds around 5.5 lacs since 5years and is in 60k loss now. I have also invested in stocks without knowledge and lost 10lacs. If I had invested in a land or house or flat, it would have given good returns. 2. If we do not put any commitments, then you will make unnecessary expenses without thinking much about savings.
@@baludevarapu any mutual funds, stocks are in loss right now since after modi's term started there is no consistent growth in stocks and MF's and currently due to Corona world wide there is huge downfall. Anyone who has invested thinking for long term before Modi has come that is before 6,7 years its a huge loss only. This comment is not for regular stock investors who invests every day and sell them every day
EMI date vastey chaalu presssure ekkuvavtadi. Home Loans are suitable for only who has good financial support, OR Govt Jobs. Private Jobs/unscured jobs assalu risk cheyakandi. Or do one thing if you buy house on Loan....2/3yrs tarwaata kodiga ekkuva rate ki ammesi....land konukunni kudirinappudu illu kattukondi.
I purchased house (individual )at Bangalore 32 lakhs in 2013 with loan 26 lakhs ,site rate when purchasing was rs 2200 per sqyfeet Today site rate only rs 6000 per square feet Total site rate today is 36lakhs ,no body invest or savings regularly ,my opinion is purchasing house( individual )through loan is better with increasing EMI every year
@@lravikiran88 Own house chinnadi konnukovochu flat comes in 25 to 35 lakhs .... Slowly can increase ny saving . Live a simple happy life Purvikula.aasthi unte King vaadu 👍
I cleared my home loan last month also owned own car but agian second hand car which is 3 lacks, because for brand new car I need go for loan for another 3 years which I dont want to, now I am loan free, I am into below middle class family.
Good information sir.super చెప్పారు మేము చాలా తప్పు చేశాం.ఆప్పు చేసి ఇల్లు కొన్నాం.totalga loss లో ఉన్నాను.ఇంట్లో చెపితే వినకుండా ఇల్లు కొను ఇల్లు కొను అని force చేశారు.ladies చెపితే వినరు.పక్కితోల్లు కొన్నారు అని force
అప్పు అప్పుడే విరోధం ,అని పెద్దలు చెప్పారు ఇయంఐ ద్వారా ఇల్లు కొనడం బుద్ధి తక్కువ దీనివల్ల సగానికి పైగా జీవితం ,బ్యాంకులకు బాండవుతుంది బిల్డర్లు ఇంటి ఆశ చూపించి బ్యాంకులకు మనల్ని బందీలు చేసి వారి డబ్బు రాబట్టుకుని ఉడాయిస్తారు ,కొంత ఆలస్యమైనా డబ్బులు జమచేసుకుని ఉన్న డబ్బునిబట్టి కొంత దూరమైన పరవాలేదు ఇల్లు కొనుక్కోండి అపార్ట్ మెంట్ ఫ్లాట్ మాత్రం అసలే కొనకూడదు దీనివల్ల పిల్లలకు భవిష్యత్తు ఇవ్వడం కష్టం ,
In this 20 years journey I may have following expenses. 1.Marriage 2. Expenses on children education. 3. Retirement planning. 4. Un expected helath issues. I think all these things may show an impact on calculation and generated corpus. Am I right?
Over all Video and Explanation is very good... but below are my view points.. Just for example - An average apartment cost in Hyderabad was 20-25lacs 8-10 years ago, now it reached 80L-1cr for the same size flat and in the same area. So what will be the cost of a new house (consider the same apartment used in this example) after 15 years, it will be more than 6X-7X time minimum based on current real-estate market trend. So how can you buy a home at age 40 by spending 3Cr-3.5Cr, how much will be the monthly EMI. After age 40 there will be so many other responsibilities so i believe its very tough to pay higher EMIs. So i feel buying a home as soon as possible is also a better option considering the way the property/house costs are rising these days. but need to consider all other aspects explained in this video... :-)
Good explanation, all things fine, but the invester need to wait upto 20 years , in this period price will increase very high, and at that age , he can't enjoy, all the dream at rght age.. I feel. Otherwise amazing helpful
This is video is good for any layman.. simple bhayya... House konte individual house Manchi residential area lo konandi, basti lallo kakunda... Flat ite paisalu full unte konandi, if not, invest on plots at your hometowna and inti pannu teskondi safe side..... Land meeda petindi Eppudu podu..... Pellalu ki atleast 7 years vachindaka invest on plots... Enduaknte .. sontha illu pilallu chinanppudu padu avvidi... And School ki dagarlo undochu rented home... EMI waste, liquid cash loose avtam...Eppudu pillalu pedda iyyaka plot konni tese illu konandi, less loan toh... Tension free untaru... Hyderabad is fast growing invest on realiable HMDA plots....
Me effort nachote like cheyamannaru.asalu nachakunda ela untundi sir inta clarity ga mem kastapadakunda easy ga chala knowledge share chesaru.100000likes meku.
Thank you sir, I have been searching for this concept in many videos, still I couldn't get the clarification. Now, I understood and it makes more sense also, Appreciate the effort.👍🏻🔥
🙏👏సర్ మంచి విషయం చెప్పారు నేను ప్రస్తుతం అదేపనిలో వున్నాను నాది సురేష్ పరిస్థితి,మీ ఛానల్ ని లేట్ గా చూసిన సరైన టైం లో చూసాను.మీరు చెప్పింది 3%ok కానీ 1%కన్ఫ్యూషన్ లో వున్నాను.
property value depreciates drastically over a long period if you buy a flat in apartment, you will not get the cost of flat at the end..we can see this real life, suppose if you buy a flat 60L it will be 10L to 15L after 10 to 15 years, Because it became old property and nobody will be ready to buy for higher prices..Instead of that, if you are in rented flat you can save a lot of money for future and also enjoy the same benefit of flat like a owner.
He has many valid points but one of the best decisions I made is take an apartment before going abroad. Paid off home in 2 yrs and liability (home emi) turned into asset with cash cow (paying rent now). Managing is pretty much easy only thing is you compromise on just a little like 10% less rent to have the same stable tenant at home for longer period. Think about it. If you foresee a larger income before going abroad do it. The same 37lkhs 3bhk in 2914 costs north of 90lkhs now if you want to get a new home in Hyderabad. I'm not doing rocket science here too, almost every IT guy does the same, all we have to do is maintain discipline and just some forward planning.
@@MoneyPurse you can avoid the registration terms like Avirbhaavapu....anirdesapu....etc..for a house you have boundaries and you if you cant manage investments, you can build floors and start rental income. Apartment has a life say 50 yrs or 60 yrs...later to reconstruct...everyone incarnated as an engineer themselves..to swindle commission for reconstruction. It won't proceed. Reconstruction of apartment is tedious and every member has to approve...some may have and others may not. There is a definite risk. So I prefer individual house
Sir excellent explanation... 🙏🙏🙏🙏 You are helping to take good decisions in life and really savings lot of people money... God will help you to have an excellent growth 🙏🙏
Nenu house ela kattali ani alochisthu mbl chusthunnanu anthalopu me video kanipinchindi sir tq for ur excellent information , eppdu naku clarity vachindi house medha tq sir👏
Dear sir, No doubt you have been doing good for scociety, I'm requesting Could you please make a video on how to save money smartly for future (best options to save and Consider from salary range also between 10k to 50k), and the best policy must have to support family members.
No value in society is a past thing now. There are plenty properties sitting empty and desperate to fill with tenants. Due to vast growth in housing becausing of easy loans people are buying not 1 but 2 to 3 houses. Better to be smart than looser. This housing bubble will burst one day. As 70% are already on loans, or borrowing money for not needs but for comforts. This 70% will turn to 90% soon as people are still not learing from previous financial meltdowns. There were lot of financial recession and depression happen but still people are thinking of status. It's a pity.
Numbers are good but very difficult to implement , i had a very simlar argument when buying a car ( booking a cab vs own car). when i compared number buying a car is very bad idea & booking cabs is quite good. But in pratice own car really helped me.
Hi Brother Your calculation is totally correct But the only thing is where in which locality we are purchasing is also important. What is the cost there in that locality is also important.
It was an awesome video, discussing abt peer pressure 🙏🏻🙏🏻, after seeing your videos on mutual fund series I felt bad because I ran out funds in investing equity, Because I bought two homes at a time and feeling emotional to sell the properties now, but this video is an eye opener to rethink abt sale
This is informative, one factor guys.. As mentioned in the video, first identify the need to invest in home and secondly whenever we invest in Housing sector ensure that we pump at least 50% in Liquidity(like for 50 lakhs home you need to have 25 Lakhs minimum), feed these values and the equation would entirely be different.. Investing in corpus to gain returns is not everyone's cup of tea, so those are subjected to our risk taking capabilities.. hope this helps
Oh my god🙆♀️🙆♀️. First time dislike leni oka video chusaanu youtube loo. Thank you very much sir ilanti financial management videos chesi maa middle class vallaki knowledge gain chestunnaru.... 🙏🙏🙏🙏🙏
@@raj-999 Man for the efforts that he puts in to make us aware of financial investments & other finance related advices r remarkably unprecedented. I believe we should respect his knowledge & should reward him with a considerable monetary deeds as a token of appreciation for his beautiful priceless advices.
@@MoneyPurse Man for the efforts that you put in to make us aware of financial investments & other finance related stuff r remarkably unprecedented. Take a bow sir one day I would definitely consult you for your valuable suggestions. I would pay you back though....😉 really appreciated your work....🙏
Monthly saving (emi rent) lo 16667 minus chesaru gani 5 to 10% yearly increase consider cheyaledu Oka vela ah amount invest cheste selling time lo daniki tax padutundi.. But the advantages and disadvantages that u explained is excellent....every person should consider before buying buying a flat.
Sir for house i think you forgot depreciation sir... You considered only increment in value of property but if the house becomes old then the value of property gets depreciated sir. In that point i dont agree with you
How much is that guarantee that stock market will not crash? We don’t have any control, multiple external factors will play on stocks. Buying house is a secure way what ever like pandemic happens we can stay in home even losing job can reduce ur expenditure..if you initially save more and close the loan earlier..
So what do you think about a SW engineer? That's not correct.. when you are confident that you are capable to get any job and lead your life then it is better to do investments
Sir u explained in good way like a imagination world investment will give gaurenty returns continuously 15yrs or 20ys can u answer and FLAT example kakunda individual house example ga teskoledu my brother frnd constructed 3 stares house 2 portions rent cover 60%emi pls don't give wrong statements
To Support our channel , use below links 👇
You can compare Term Insurance here bit.ly/46hsSJA
You can compare Health Insurance here tinyurl.com/pgc9dcxc
Get Best & Free Credit cards Apply Now
IDFC free Credit Card (Free) - wee.bnking.in/ZTFkZTc1
AU Credit Card (Free) wee.bnking.in/NmZkNGQ4
Sir, please make a video on Margin and Leverage concepts.
Sir,excel sheet link?
Raj Garu, I have mentioned clearly about excel sheet in video
@@MoneyPurse I didn't find the link . Can you please point us to the link
Sir , you have not said about the LTCG tax and tax grid on the total gains of the mutual funds & moreover nifty will not give more than 13-14%/ yr (CAGR).
పేదలకి ఈ లెక్కలేమి ఉండవు. ఏ రేకుల షెడ్డులో అద్దెకు ఉంటూ, చక్కగా పనికి వెళ్ళి, సాయంత్రం ఒక క్వార్టర్ వేసి ఏంజాయ్ చేస్తారు.
Correct vallaki illa pattalu kuda vasthayi
True bro
Avna enjoy chesthunnara miru kuda o shedd vesukuni enjoy cheyandi
Correct bro
మీరు చెప్పింది వాస్తవం..కానీ రెంట్ ఇంట్లో ఉండటం own house lo ఉండటం లో చాలా తేడా ఉంటుంది అది రెంట్ హౌస్ లో ఉండేవాళ్లు కి తెలుస్తుంది... ఓన్ హౌస్ అనేది ఒక ఎమోషన్ .. కాకపోతే లోన్ ఒక 30% వరకు మాత్రమే ఉండి 70% క్యాష్ తో తీసుకునేలా ఉండాలి. మొన్న కరోనా వచ్చింది అని ఇంటి ఓనర్ మిగితా రెంట్ వాళ్ళు ఒకతన్ని ఇల్లు ఖాళీ చేయించారు మనకంటూ ఒక సొంత గూడు ఉండటం లో ఉన్న కాంఫర్ట్ దెంట్లో కూడా ఉండదు... చాలా మంది భారతీయులు ఇల్లు నీ ఒక ఇన్వెస్ట్మెంట్ గా కాకుండా ఒక కంఫర్ట్ లా భావిస్తారు... రోడ్డు కి దగ్గరగా అపార్ట్మెంట్ ఉండేలా ఉంటే అపార్ట్మెంట్ thiskovachu..లోపల అయితే independent House బెస్ట్...
Better to go and buy independent house or apartment
Yes house anedi oka emotion
.......? k
Investment priority 1,plot 2. agriculture land 3. flat 4. gold 5.fixed deposits in national banks.
the satisfaction of having an own property and living in it... is priceless... naa ane dantlo unnanta trupti vere dantlo ledu
all the best Pradeep garu
This is exactly what I thought about owning a house. Instead of paying EMI, I personally want to invest that money for a better return rate. You gave more clarity with your calculations. Thank you sir. 👍
I had a smile ,when you told that if construction people gives us land , we didn't even construct bathroom in that
Same here
You are the best person who explains financial planning in telugu I am learning a lot thank you so much sai garu
Thank you so much Ravi garu
Ultimate Explanation sir, I really don’t know who ru, i m just watching TH-cam and read tagline but after watching ur video it’s very worth full middle class families like me. Thanks a lot.
Thanks a lot andi, nice to hear it was helpful. We upload many such useful videos on regular basis
Still i m watching ur video coz. I couldn’t complete fully nd very interesting sir. Pl keep it up coz. It’s very useful to people’s
Ultimate explanation, but if a person consider all points, definately middle class PPL can't buy house sir👍
For all round growth we should have Financial knowledge, this video gives better understanding of that, thank you for the video.
చాలా బాగా చెప్పారు సర్. చాలా ఇంగ్లీష్ వాటిలో కూడా కొన్ని వదిలేస్తారు కానీ మీరు అన్ని విషయాలను స్పష్టంగా చెప్పారు. థాంక్యూ వెరీ మచ్ sir.
Thanks and most welcome Sateesh garu
KILLED LIKE BUTTON..
కృష్ణా జీ
ఈ వీడియో ఖచ్చితంగా నాకు చాలా ఉపయోగపడుతుంది...
Waching video..
All the best Prasad garu
I wish I had seen your video 6 years back when I bought my apartment. I could have avoided lot of pressure.
Also I recently came across a person who did the smart thing of investing in Mutual funds as strict as paying EMI for 8 years and bought house with 80% down payment for a 1 CR apartment. I did not meet him sooner in my life. Lesson learned in hard way.
Thank you for educating people like me. I am trying to educate people in my friend circle. Your video will help many more. I will share it with them.
Awesome explanation sai garu ..epudu nundo e confusion lo unanu ..got clarity today ..thanks Sai garu
Hii Sai pathri. Iam your employee from ICICI prudential. Shanker tallaplli. I feel happy after watching you after long time.
I don't think you are alone in analysing all the pros and cons that you have come up in this video , really appreciate your team's effort. super team and great leader!!
Thank you Rakshith garu, my team is great strength for me .. I will share your appreciation with them
I look kkkkk ok I know k kkkkk I k kkkkk I kn ok ok ok k ok ok ok kkkkk kkkkk ok kkkkkk ok k kkkkk ok kkkkkk k kkkkk kkkkk I look kk
Kkkkk kkkkk ok kkkkkk kkkkk knn I'll LLM
చాలా చక్కని అంశం బోధించిన ఫాస్ట్ గారికి వందనాలు
సార్ మీరు చాలా చక్కగా వివరించారు మీకు ధన్యవాదాల🙏
నాకు ఒక సందేహం వచ్చింది
సార్ హౌసింగ్ లోన్ ఉంటే EMI కట్టి తర్వాత కొన్ని సంవత్సరాలకి ఇల్లన్న ఉంటుంది అద్దె ఇంట్లో ఉండి మీరు చెప్పిన విధంగా investment చేసేవాళ్ళు ఎంతమంది ఉంటారు అని నాకు సందేహం కలిగింది
Hi, Very insightful and informative. I believe we have to include HRA tax benefit for rental house(19th minute).
Here everyone misses one important point he has mentioned. "Loan takes away your freedom to do anything else other than day job to reach better future e.g., business". We will lose that freedom for our good "young" 15 years. Time (e.g., age) is the most valuable commodity in the world, don't live it for some one else's (banks, builders). Save your money as you earn, Buy your house when you can. Have freedom at your valuable years to do what you can and become in your life. The moment you take the loan, you are stuck - no matter how hard worker you are, how big your goals are, you got to do that same job.
Yes Bro
1. Buy your house when you can. 2.We will lose that freedom for our good "young" 15 years.
Money ella karchu petalo, ella invest cheyalo teliani valu, Present life ni enjoy cheyadam teliyinavalu
Apu chesi ellu kontaru
.
You have great understanding level 👍🏻
మధ్య తరగతి వారిని దృష్టిలో పెట్టుకొని చేలా చక్కగా సులభంగా అర్ధమైయేటట్లు చెప్పారు.👍
ఏ calculate చేసినా సొంత ఇల్లు సొంత ఇల్లే...ఆ వాల్యూ యే వేరు అద్దె ఇంట్లో satisfaction అనేది ఉండదు.. ఓనరు చెప్పినట్లు Fallow అవ్వాలి. ఇల్లు వెకేట్ చేసి వేరే ఇంటికి మారాలంటే పిల్లలతో చాలా ఇబ్బంది... location మారిపోతుంది... shifting charges భారమవుతుంటాయి...సొంత ఇల్లు ఉండటం వల్ల ఇతరస్త్ర ఏలోన్సు అయినా
Easy గా వస్తాయి
Dabbulu unte sonta illu manchi asset. Appu chesi konte aaripotam sir.
Yes
@@rampage7818 అప్పు తీర్చే మార్గాలు ముందే వెతికి పట్టుకోవాలి...అలా ఐతే ఏం కాదు....
చాలా బాగా చెప్పారు.. ఓనర్ దగ్గర తలవంచుకుని తిరగాలి..
సొంత ఇంట్లో ఉన్న ఆత్మ సంతృప్తి వేరు..
ఇల్లు కొనకుండా డబ్బులు షేర్ లో పెడితే.. ఆ షేర్లు ఒకేసారి డమాల్ అయితే.. అప్పుడు లాభం గూబకి వస్తుంది..
@@Rks1983 valid point
Sir, there are few more things I would consider based on my personal experience.
1. Investment Risk factor - one of the important factor to me. I have invested in mutual funds around 5.5 lacs since 5years and is in 60k loss now. I have also invested in stocks without knowledge and lost 10lacs. If I had invested in a land or house or flat, it would have given good returns.
2. If we do not put any commitments, then you will make unnecessary expenses without thinking much about savings.
Can you please enlight us by providing those mutual fund names, Are they taxable mutual funds?
Long term investment is good... Minimum 15 years.
@@baludevarapu any mutual funds, stocks are in loss right now since after modi's term started there is no consistent growth in stocks and MF's and currently due to Corona world wide there is huge downfall. Anyone who has invested thinking for long term before Modi has come that is before 6,7 years its a huge loss only. This comment is not for regular stock investors who invests every day and sell them every day
@@chaits4377 Thank you for sharing info.
@@chaits4377 what about now? Its going well right?? MFs are far better to invest keeping long term in mind.
EMI date vastey chaalu presssure ekkuvavtadi. Home Loans are suitable for only who has good financial support, OR Govt Jobs. Private Jobs/unscured jobs assalu risk cheyakandi. Or do one thing if you buy house on Loan....2/3yrs tarwaata kodiga ekkuva rate ki ammesi....land konukunni kudirinappudu illu kattukondi.
This is the channel where I have subscribed on the first go 💪
Thanks Ajith garu
First time 23 minutes skip cheyakunda chusa sir... Thank you for Ur info ❤️❤️
Thank you so much 🙂 Arif garu
@@MoneyPurse exlent sir advice
చాలా clear గా చెప్పారండి.. thanks 🙏🙏
I purchased house (individual )at Bangalore 32 lakhs in 2013 with loan 26 lakhs ,site rate when purchasing was rs 2200 per sqyfeet
Today site rate only rs 6000 per square feet
Total site rate today is 36lakhs ,no body invest or savings regularly ,my opinion is purchasing house( individual )through loan is better with increasing EMI every year
9yra lo miku site increase ayindi only four lakhs a
Sir u r 100percent right chala best ga explanation chepparu
Person who has an own house own car and no loans and also gets close to a lakh is the happiest person 👍
Purvikula asti tappa its impossible for Middle class boss..
@@lravikiran88
Own house chinnadi konnukovochu flat comes in 25 to 35 lakhs .... Slowly can increase ny saving . Live a simple happy life
Purvikula.aasthi unte King vaadu 👍
@@factualproof pelam opukoda china flat ante
@@lravikiran88 hahahah manna manna stomata bro koncham unnapudu chinnagane alochinchale daani ela penchala chuskovale 👍
I cleared my home loan last month also owned own car but agian second hand car which is 3 lacks, because for brand new car I need go for loan for another 3 years which I dont want to, now I am loan free, I am into below middle class family.
Thank you soo much Sai garu, We are lucky to be a member of Money purse channel
Thanks and Most welcome Rajesh garu
Good information sir.super చెప్పారు
మేము చాలా తప్పు చేశాం.ఆప్పు చేసి ఇల్లు కొన్నాం.totalga loss లో ఉన్నాను.ఇంట్లో చెపితే వినకుండా ఇల్లు కొను ఇల్లు కొను అని force చేశారు.ladies చెపితే వినరు.పక్కితోల్లు కొన్నారు అని force
In which location sir?
great content,but we have to consider other expense like insurance(health+Life)+ some other expense
Explained very clearly sir. own house konataaniki ela save cheyaalo manchi clarity ecchaarandi. Thank you so much
Very detailed description without any lagging.......tq for sharing
అప్పు అప్పుడే విరోధం ,అని పెద్దలు చెప్పారు ఇయంఐ ద్వారా ఇల్లు కొనడం బుద్ధి తక్కువ దీనివల్ల సగానికి పైగా జీవితం ,బ్యాంకులకు బాండవుతుంది బిల్డర్లు ఇంటి ఆశ చూపించి బ్యాంకులకు మనల్ని బందీలు చేసి వారి డబ్బు రాబట్టుకుని ఉడాయిస్తారు ,కొంత ఆలస్యమైనా డబ్బులు జమచేసుకుని ఉన్న డబ్బునిబట్టి కొంత దూరమైన పరవాలేదు ఇల్లు కొనుక్కోండి అపార్ట్ మెంట్ ఫ్లాట్ మాత్రం అసలే కొనకూడదు దీనివల్ల పిల్లలకు భవిష్యత్తు ఇవ్వడం కష్టం ,
True Sadiq Mohammad garu
D
S..
వాస్తవం చెప్పారు sadiq గారు
Bro chala bagudhiiii Mi explain..
In this 20 years journey
I may have following expenses.
1.Marriage
2. Expenses on children education.
3. Retirement planning.
4. Un expected helath issues.
I think all these things may show an impact on calculation and generated corpus. Am I right?
Hi Widyasaagar garu, yes all these will impact you, so we should plan for these things with higher priority
Andhuke marriage chesukopothe a baadha vundadhu.... Stay Single stay happy...😛
😀
Over all Video and Explanation is very good... but below are my view points..
Just for example - An average apartment cost in Hyderabad was 20-25lacs 8-10 years ago, now it reached 80L-1cr for the same size flat and in the same area.
So what will be the cost of a new house (consider the same apartment used in this example) after 15 years, it will be more than 6X-7X time minimum based on current real-estate market trend. So how can you buy a home at age 40 by spending 3Cr-3.5Cr, how much will be the monthly EMI. After age 40 there will be so many other responsibilities so i believe its very tough to pay higher EMIs.
So i feel buying a home as soon as possible is also a better option considering the way the property/house costs are rising these days. but need to consider all other aspects explained in this video... :-)
Awesome explanation and apt calculation.... Appreciate it really
Anna miru maa paalita devudu annaya..🙌❤️
Job vuntundo vundado ipudu, home loan teesukovalante chala bayamga vundi
Thank you sir. Excellent information.
Most welcome andi
Good explanation, all things fine, but the invester need to wait upto 20 years , in this period price will increase very high, and at that age , he can't enjoy, all the dream at rght age.. I feel. Otherwise amazing helpful
I was confused whether i need to take new flat or not. Now i understood. Thank you sir
This is video is good for any layman.. simple bhayya... House konte individual house Manchi residential area lo konandi, basti lallo kakunda... Flat ite paisalu full unte konandi, if not, invest on plots at your hometowna and inti pannu teskondi safe side..... Land meeda petindi Eppudu podu..... Pellalu ki atleast 7 years vachindaka invest on plots... Enduaknte .. sontha illu pilallu chinanppudu padu avvidi... And School ki dagarlo undochu rented home... EMI waste, liquid cash loose avtam...Eppudu pillalu pedda iyyaka plot konni tese illu konandi, less loan toh... Tension free untaru... Hyderabad is fast growing invest on realiable HMDA plots....
Me effort nachote like cheyamannaru.asalu nachakunda ela untundi sir inta clarity ga mem kastapadakunda easy ga chala knowledge share chesaru.100000likes meku.
Sir
Namaste
Deep ga example tho explaine chesaru. thank you
Slowly explain chesthe baguntundi sir
డిస్ లైక్ కొట్టినోళ్ళూ... ఓన్ హౌజ్ వాళ్ళూ అనుకుంట 😁😆😅😂
Thank you sir, I have been searching for this concept in many videos, still I couldn't get the clarification. Now, I understood and it makes more sense also, Appreciate the effort.👍🏻🔥
Thank you so much Chiranjeevi garu
Simple and straight away explanation 👍
Thank you so much Lavanya garu
🙏👏సర్ మంచి విషయం చెప్పారు నేను ప్రస్తుతం అదేపనిలో వున్నాను నాది సురేష్ పరిస్థితి,మీ ఛానల్ ని లేట్ గా చూసిన సరైన టైం లో చూసాను.మీరు చెప్పింది 3%ok కానీ 1%కన్ఫ్యూషన్ లో వున్నాను.
Super brother your open my eyes thank you I am just 24 age I feel better...👍
all the best andi
property value depreciates drastically over a long period if you buy a flat in apartment, you will not get the cost of flat at the end..we can see this real life, suppose if you buy a flat 60L it will be 10L to 15L after 10 to 15 years, Because it became old property and nobody will be ready to buy for higher prices..Instead of that, if you are in rented flat you can save a lot of money for future and also enjoy the same benefit of flat like a owner.
Its true 👍
its somewhat wrong. flat value also increases over period of time whether its new or old due to inflation
Actually for me, It's a boring topic Sir...
But your explaination made it very interesting...🤗🤗🤗
luv u Sir.keep doing more & more...👍
Thank you so much Sai Teja garu 😀
He has many valid points but one of the best decisions I made is take an apartment before going abroad. Paid off home in 2 yrs and liability (home emi) turned into asset with cash cow (paying rent now). Managing is pretty much easy only thing is you compromise on just a little like 10% less rent to have the same stable tenant at home for longer period. Think about it. If you foresee a larger income before going abroad do it. The same 37lkhs 3bhk in 2914 costs north of 90lkhs now if you want to get a new home in Hyderabad. I'm not doing rocket science here too, almost every IT guy does the same, all we have to do is maintain discipline and just some forward planning.
Tq sir super ga cheparu. Correct time lo me video chusanu. Appu chesi house tesukoni burden face cheyakunda save ayyanu tq u so much
Baga explain chesaru thank you sooomuch sir 👌👏👏😊
I see apartment as a depreciation whereas individual house as an appreciation.
Hi santosh garu, even individual house has depreciation effect after few years. What is actually valued is the land under the individual house
@@MoneyPurse you can avoid the registration terms like Avirbhaavapu....anirdesapu....etc..for a house you have boundaries and you if you cant manage investments, you can build floors and start rental income. Apartment has a life say 50 yrs or 60 yrs...later to reconstruct...everyone incarnated as an engineer themselves..to swindle commission for reconstruction. It won't proceed. Reconstruction of apartment is tedious and every member has to approve...some may have and others may not. There is a definite risk. So I prefer individual house
Money Purse { మనీ పర్స్ } sir I want invest 30lacks for good interests please suggest me any idea thanks
@@Tata_Santosh yes plz suggest
Very informative
Sir excellent explanation... 🙏🙏🙏🙏 You are helping to take good decisions in life and really savings lot of people money... God will help you to have an excellent growth 🙏🙏
Thank you Nagendra garu
చక్కగా వివరించారు....
Thanks Uday Kiran garu
Informative explanation..!
Good Work you changed the way of viewing money in-terms of Happiness..!
A right video at right time, I was planning to buy a house and this made me think. Thank you Sai garu, as always enlightening us with your knowledge
Most welcome Ravikumar garu and all the best
Indirectly telling to invest.... Andaru investment chestey market sankalp nakutadi edaina demand based undali
After watching this video I realized that wasted 10 years😭😭... 0 investment 0 savings
Nenu house ela kattali ani alochisthu mbl chusthunnanu anthalopu me video kanipinchindi sir tq for ur excellent information , eppdu naku clarity vachindi house medha tq sir👏
చాలా బాగా చెప్పారు. కానీ, already 45 years ఉండి, సేవింగ్ start చేయాలని అనుకొనే నాలాంటి వాళ్ళకి, తగిన సలహా ఇవ్వగలరు. నాకు కూడా సొంతింటి కల ఉంది
Dear sir,
No doubt you have been doing good for scociety,
I'm requesting Could you please make a video on how to save money smartly for future (best options to save and Consider from salary range also between 10k to 50k), and the best policy must have to support family members.
అపార్ట్మెంట్ వాడు ఇచ్చే స్థలంలో బాత్రూమ్ కూడా కట్టలేం🤣బా చెప్పారు,
Wowww such a informative video I have seen today. Thanks for making my day
My pleasure 😊 Eswar garu
Explanation is very very nice and impressive..👍
Supper sir na doughts ni complete ga clear chesaru chala chala thanks
Most welcome Vijayalakshmi garu
We can't sleep peacefully if we don't have own house, and no value in society for rentals.
No value in society is a past thing now. There are plenty properties sitting empty and desperate to fill with tenants. Due to vast growth in housing becausing of easy loans people are buying not 1 but 2 to 3 houses. Better to be smart than looser. This housing bubble will burst one day. As 70% are already on loans, or borrowing money for not needs but for comforts. This 70% will turn to 90% soon as people are still not learing from previous financial meltdowns. There were lot of financial recession and depression happen but still people are thinking of status. It's a pity.
U explained the topic so well sir it's excellent even a layman can follow the essence
Thank you so much Bhavani garu
Pichaa clarity vachindii ...
Mundu ma nanna ki chupinchaalii 😂
Pedda valla alochanalu antey 😀😀
He didn't said about the LTCG tax and tax grid on the total gains .individual house is much better
@@raj-999 dabbulu unte sufficient ga unte house manchi asset. Lekunda konte aaripotaru.
@@rampage7818 yes , buying the physical assets like land and house is good for lumpsum investors.
@@raj-999 ma relatives appu techi plot 14 lakh ki konnaru. Plot value 6 years lo 25 laakh ayyindi. Kani appuki kattina interest , vachina return ni datesi negative return indi. Rough ga interest 10 lakh above pay chesaru. Plot sale avvatledu. Appu teeratledu.
Thank you Sir ., I really learned alot from this video in taking better decision making in my life .... Its a evergreen video of all times...
Excellent information sai garu mi presentation super ga untundi
Numbers are good but very difficult to implement , i had a very simlar argument when buying a car ( booking a cab vs own car). when i compared number buying a car is very bad idea & booking cabs is quite good. But in pratice own car really helped me.
true Sir, difficult to implement above plan.
Both are same, Covid time lo rent free advantages
All information gives me very helpful. Thank you
Glad it was helpful! Kumari garu
Thank you so much sir........chala confusion lo unna....ee video chusaka i got clarity..........
Hi Brother
Your calculation is totally correct
But the only thing is where in which locality we are purchasing is also important.
What is the cost there in that locality is also important.
It was an awesome video, discussing abt peer pressure 🙏🏻🙏🏻, after seeing your videos on mutual fund series I felt bad because I ran out funds in investing equity, Because I bought two homes at a time and feeling emotional to sell the properties now, but this video is an eye opener to rethink abt sale
Yes Prabhakar garu, that is the biggest challenge for many families to handle
Same situation happened to me now
Excellent sir, your explanation is superb. What I expected, every point you have covered. Will try to download the excel from Telegram.
All the best Raju garu
This is informative, one factor guys.. As mentioned in the video, first identify the need to invest in home and secondly whenever we invest in Housing sector ensure that we pump at least 50% in Liquidity(like for 50 lakhs home you need to have 25 Lakhs minimum), feed these values and the equation would entirely be different.. Investing in corpus to gain returns is not everyone's cup of tea, so those are subjected to our risk taking capabilities.. hope this helps
Nenu
wowwwww exact ga nen ela plan cheskunnano ..alage chepparu .. ite na planning sariga ne undi annamata ..thanqqq sir
Oh my god🙆♀️🙆♀️. First time dislike leni oka video chusaanu youtube loo. Thank you very much sir ilanti financial management videos chesi maa middle class vallaki knowledge gain chestunnaru.... 🙏🙏🙏🙏🙏
We should have calculated monthly rental increment which decreases sip value over the tenure .
he missed that, it cannot be 22k savings for 15 years,
Dear sir
Here you have to add the appreciation of UDS of Land.
Sir you have given great insights about when and where to invest.but no one explains what is good time to exit..kindly make a video on this
Sure Vinayak garu
@@MoneyPurse Sir , you have not said about the LTCG tax and the tax on the total gains .
@@raj-999 Man for the efforts that he puts in to make us aware of financial investments & other finance related advices r remarkably unprecedented. I believe we should respect his knowledge & should reward him with a considerable monetary deeds as a token of appreciation for his beautiful priceless advices.
@@MoneyPurse Man for the efforts that you put in to make us aware of financial investments & other finance related stuff r remarkably unprecedented. Take a bow sir one day I would definitely consult you for your valuable suggestions. I would pay you back though....😉 really appreciated your work....🙏
Super explanation sir. Thank you
You're most welcome Teja garu
Monthly saving (emi rent) lo 16667 minus chesaru gani 5 to 10% yearly increase consider cheyaledu
Oka vela ah amount invest cheste selling time lo daniki tax padutundi..
But the advantages and disadvantages that u explained is excellent....every person should consider before buying buying a flat.
I dont need this info.
But the way you explained is amazing...i am fan..
Sir for house i think you forgot depreciation sir... You considered only increment in value of property but if the house becomes old then the value of property gets depreciated sir. In that point i dont agree with you
How much is that guarantee that stock market will not crash? We don’t have any control, multiple external factors will play on stocks. Buying house is a secure way what ever like pandemic happens we can stay in home even losing job can reduce ur expenditure..if you initially save more and close the loan earlier..
Permanent job unna vallu own house tisukovaali.
Job security leeni vaallu rent home lo untu, some Amt save cheyaali
Exactly
So what do you think about a SW engineer? That's not correct.. when you are confident that you are capable to get any job and lead your life then it is better to do investments
Well said madam
Permanent job unna entho mandi ....Valla sagam jivitham EMI katteki saripothadi akka ....most of the middle-class vallu ade kada chestunnaru
@@chaits4377 wellsaid
Sir u explained in good way like a imagination world investment will give gaurenty returns continuously 15yrs or 20ys can u answer and FLAT example kakunda individual house example ga teskoledu my brother frnd constructed 3 stares house 2 portions rent cover 60%emi pls don't give wrong statements
This will work out only for those who is having good knowledge in finance management. Other wise investing in lands is better option.
Who liked video before you start watching?? 😊
Thank you sir!! you cleared all my fears and doubts I am suffering since 2 years in 20 mins...
All the best andi
11:24 touch chesav babai..
Excellent Video..... Sir Awesome Explanation Every point touch chesindi..nannu
Thank you so much 🙂 Harish garu