Rent House vs Buy House Which is Better | Free Calculator to find out Rent house or Buy house
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- เผยแพร่เมื่อ 7 ก.ค. 2020
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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
S
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
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. 👍
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
Investment priority 1,plot 2. agriculture land 3. flat 4. gold 5.fixed deposits in national banks.
I had a smile ,when you told that if construction people gives us land , we didn't even construct bathroom in that
Same here
Sir
Namaste
Deep ga example tho explaine chesaru. thank you
Slowly explain chesthe baguntundi sir
Hi, Very insightful and informative. I believe we have to include HRA tax benefit for rental house(19th minute).
చాలా చక్కని అంశం బోధించిన ఫాస్ట్ గారికి వందనాలు
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
Awesome explanation sai garu ..epudu nundo e confusion lo unanu ..got clarity today ..thanks Sai garu
Baga explain chesaru thank you sooomuch sir 👌👏👏😊
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..
@@rks9817 valid point
KILLED LIKE BUTTON..
కృష్ణా జీ
ఈ వీడియో ఖచ్చితంగా నాకు చాలా ఉపయోగపడుతుంది...
Waching video..
All the best Prasad garu
For all round growth we should have Financial knowledge, this video gives better understanding of that, thank you for the video.
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
Great effort and thanks a lot for making this valuable video. It’s really helpful for the middle class section. I noticed.. in the calculation & comparison of rental and apartment, I think the HRA benefit on rental payment is not factored!
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
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.
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
Wowww such a informative video I have seen today. Thanks for making my day
My pleasure 😊 Eswar garu
Informative explanation..!
Good Work you changed the way of viewing money in-terms of Happiness..!
wowwwww exact ga nen ela plan cheskunnano ..alage chepparu .. ite na planning sariga ne undi annamata ..thanqqq sir
Superb... Detailed analysis.. Thank you for great information.. I experience the pain of paying emi vs leading normal life style. U would have prepared this vedio 2years ago or I I would have think of this kind of financial analysis... But I am facing tremendous financial pressure now which makes me weaker in terms of financial/personal goal n family commitments. Thank you so much sir... Dear public, pls think before buying house by taking loan. N this video will help like your dad to make such decisions.
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..
Wow this is really good, you covered everything thank you for your efforts sir.
Please help me excel link🙏
Awesome explanation and apt calculation.... Appreciate it really
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
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
Ultimate explanation, but if a person consider all points, definately middle class PPL can't buy house sir👍
Explained very clearly sir. own house konataaniki ela save cheyaalo manchi clarity ecchaarandi. Thank you so much
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
Job vuntundo vundado ipudu, home loan teesukovalante chala bayamga vundi
డిస్ లైక్ కొట్టినోళ్ళూ... ఓన్ హౌజ్ వాళ్ళూ అనుకుంట 😁😆😅😂
great content,but we have to consider other expense like insurance(health+Life)+ some other expense
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.
చాలా clear గా చెప్పారండి.. thanks 🙏🙏
Hii Sai pathri. Iam your employee from ICICI prudential. Shanker tallaplli. I feel happy after watching you after long time.
Thanks For the Detailed Explanation. i have question here on decision making. assume if we bought home our savings will be 1.41Cr and finally Home is ours. as you told flat will have depreciation at the same time Market value of the asset also grow since at the end of the period Net effect of approx 80 Lacs valued property will be in our hand . Total savings will be (1.41Cr+80 lacs). in the rental Eventhough with 8% return we will save 1.20 Cr and there is No property in our hand at the end. as you have told expecting 12% returns on Investment is High risk investment. There may be possibilities of Los of Investment Too. can you please consider these factors too in your calculation will give clarity on Decision Making. Thank you . correct me if i am wrong.
Thank you soo much Sai garu, We are lucky to be a member of Money purse channel
Thanks and Most welcome Rajesh garu
మధ్య తరగతి వారిని దృష్టిలో పెట్టుకొని చేలా చక్కగా సులభంగా అర్ధమైయేటట్లు చెప్పారు.👍
Very well explained. Thanks for posting the video...
Sir u r 100percent right chala best ga explanation chepparu
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.
Indirectly telling to invest.... Andaru investment chestey market sankalp nakutadi edaina demand based undali
Chala use full ga unnai me vedois.. Thanks andi... Me okka vedio chusi subscribe chesesa
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.
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
Thanks for detailed explanation, this is first time seeing a detailed analysis which will help on taking right calculated decision and no don't go with emotional decision.
Thank you for your information and efforts.
Thanks for the clean and neat explanation.
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?
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
Very detailed description without any lagging.......tq for sharing
Outstanding, this is exactly I have been doing and you just put it in words.. my friends never listened.. god save them.. one of my friend lost job and had to sell out to pay the loan. And other did not get scope for saving due to home loan EMI commitment..
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 👍🏻
Thank you so much for the guidance, it's very informative!! Keep up the good work.
Thanks and welcome Devender garu
Thanks a lot for sharing such a good information sir.
Thanks for the knowledge... It helped me a lot
Sir kilpest India gurunchi oka video cheyandee pls
Meru chesta annaru chala days pls only one video
228 lo enter iyanu
This is the channel where I have subscribed on the first go 💪
Thanks Ajith garu
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👏
Thanks for the explanation , I've connected mostly to the peer pressure point. It's very valuable in this point of my life.
Hi Sai Garu, very nice and helpful video. One issue with the calculator is, in 3rd section Monthly Investment column, you have kept rent as constant, instead of increasing by 5% every year. This decreases Monthly investment amount and returns
Presented excellently
Super Sir Meeru Elanti Topic Gurinchi Cheppadam Idea Bagundi
Very informative and useful. Thank you for suggestion and analysis 😍👍
So nice of you andi
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
Awesome video sir, very clear and detaied video. Whoever watching this video and are below 30 are luckiest people. Owning Home will give mental peace, my vote is for owning one house instead of renting. Enjoying with Parents, Kids, family in own house is everyone's dream.
hi Sir, Can you explain about home insurance details which can take care of EMI if unexpected events happened to the primary person.
Sbi life home loan surksha it's a good product
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...
Thank you sir.. You explained very neet and clean
I was confused whether i need to take new flat or not. Now i understood. Thank you sir
really valuable info..appreciated for your efforts
Thanks a lot Vishnu 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.
Good advice Tq.
Really impressed with the content and the explanation...this is my first view of this channel and subscribed immediately....
Meetoo
Metoo
Very good and informative video... Can we invest on High Rise apartments with 6% annual growth since located at premium place and 2.5% rentals with escalation of 5% yearly.. or do you suggest any other better option for safe investment and monthly returns
Thank you sir for giving very useful and important information.
Dear sir, chala super ga explain chesaru. Thank you very much 🙏
Sir, Really I like this video and the excel which you have shared. Got some clarity after watching this video.
Small Question: Why we are not considering depreciation while calculating property value?
We did consider Srikanth garu
U explained the topic so well sir it's excellent even a layman can follow the essence
Thank you so much Bhavani garu
Super information sir. Thank you very much
Excellent information sai garu mi presentation super ga untundi
Last calculation lo every year rent perugutundi kada.. So (EMI - RENT) value change avvali kada every year
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
Nice description. Well analysed. I appreciate
patriji excellent deffinition or explaiining, good communication
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... :-)
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.
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.
Thank you so much for your advice and for your valuable time
All information gives me very helpful. Thank you
Glad it was helpful! Kumari garu
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 😀
Tq sir super ga cheparu. Correct time lo me video chusanu. Appu chesi house tesukoni burden face cheyakunda save ayyanu tq u so much
Thanks a lot Sir.. really valuable information..
sir, where we can invest to get good corpus as per present market.
Thank you For your Golden Words 🙏
Always welcome sai baba garu
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....
Very nicely you explained. Thank you.