Home (Property) Insurance vs Home Loan Insurance - Hindi
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- เผยแพร่เมื่อ 18 เม.ย. 2018
- Home Insurance or Property Insurance is not same as Home Loan Insurance. Instead of home loan insurance, it is better to buy Term Insurance Plan. You can compare & buy here - bit.ly/term-life-insurance-co....
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In this hindi video, we will understand the difference between Property Insurance and Home Loan Protection Plan.
Home Loan Insurance Video: • Home Loan Insurance & ...
Home Insurance Policy is mainly taken for the structure and content of the property whereas Home Loan Insurance or Home Loan Protection Plan covers only the Home Loan.
होम इन्स्योरेन्स या प्रॉपर्टी इन्स्योरेन्स होम लोन इन्स्योरेन्स की तरह नहीं होता। इस वीडियो में, हम प्रॉपर्टी इन्स्योरेन्स और होम लोन प्रोटेक्शन प्लान के बीच अंतर को समझते हैं।
होम इन्स्योरेन्स पॉलिसी मुख्य रूप से प्रॉपर्टी की स्ट्रक्चर और कंटेंट के लिए ली जाती है जबकि होम लोन इन्स्योरेन्स या होम लोन प्रोटेक्शन प्लान में केवल होम लोन शामिल होता है।
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• Home (Property) Insura...
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In this video, we have explained:
What is home loan insurance?
What is home insurance or property insurance?
How home insurance in different from home loan insurance?
What all risks home insurance covers?
What risks does home loan insurance cover?
What is policy term for home insurance or property insurance is different from home loan insurance?
How options for property insurance are different from home loan insurance?
How sum assured is calculated for home insurance and home loan insurance?
Is property insurance and home loan insurance mandatory?
What are some of the exclusions of property insurance?
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Hope you liked this video in Hindi on “Home (Property) Insurance vs Home Loan Insurance”. - แนวปฏิบัติและการใช้ชีวิต
Instead of home loan insurance, it is better to buy Term Insurance:
bit.ly/term-life-insurance-compare.
Very nice explanation sir bhut log confuse hote h in sab terms h aur apna nuksan kara lete h aap ke videos se logo ko bhut fayda hoga
Really appreciate, you describe in very well with all possible details and well describe.
Excellent... Thanks for the Information.its really helpful and easy to understand.
Very informative and well explained
Thanks
Sir You are damn amazing.
You share alot knowledge in each and every video
Good work .
Hamare jaise logo ko ideas dete ho banko ki sales pitch ka jawab dene k liye. I always give these clauses question to them in email and they go away !!
Thanks its always nice to learn from u.....thanks a lot ...your method of explaining is great
Brother, can you do about Home Equity line of credit in India and also how valuation of home is done and how to improve valuation by investing less money on existing homes? and how much interest we have to pay on ELOC (Equity line of credit), I saw videos in youtube, in USA, ELOC is 1% per annum.
Amazing knowledge🙏🙏.. which home loan company is the leading in the country🙏
Thanku sir for this video.
Sir maine aur mere bhai ne joint home loan liya hai. To ye bataiye agar meri xeath hoti hai tk bhi kya full insurance milega.
Plz rply
Thanks u sir for giving useful information. I request u to make a video on 'If some takes home loan insurance, then how he can discontinue'.
Thanks
Glad to know that you found the information helpful and I've noted your topic suggestion as well.
Mukulji can you make a video on rent agreement and lease and their main features
Very helpful video thanak.kya ap hme bta sakten h ki App ka business kya h☺️
Very useful information sir
Hello Sir, can you please tell me, if we have not take the benefit of interest on home loan of previous assesment year, can we take it in the next year, in terms of carry forward loss on house property
Also explain building or construction insurance vs title insurance vs workmen insurance
Thanks in advance
Hi sir your video bohat helpfull hai
Please aap PMAY pe pura detaile video bana sakte ho kya
Aur agar aap ne already banaya hai to please video ki link comment me de dijiye
Thank you for wonderful information..
God bless you sir
Thanks a LOT , Very informative 👍👍
My pleasure
Fire is a major concern for those who is living in high rise. Any insurance specific available?
In a group like housing society mean can any housing society opt such policy?
hello sir, im i science student , but now i want to start my master in business studies, so i need your help to understand all the financial theories. so my kindly request to you upload the videos from basics the finance lessons. im studying very hard but i didnt understand clearly any topic .
Sir, itr filling me section 80c me agar 1.5 lakh se jyada investment ho to kya show karana jaruri hai kya, kyoki limit 1.5 lakh hi hai, confirm kare,
Very nice explanation sir
What happens if in case of floating house loan , where borrower dies , and the rate of interest goes up , will the claim be settled on current rate dues or at the rate when reducing home loan insurance is taken ?
Hi sir thank you for your all vedios, I have question sir
I have applied for home loan in hdfc limited for construction of my plot
And hdfc told me to buy property insurance for 5 years compulsory
Sir I want to know this insurance required for constructed property or for plot also required
Thank you sir
very informative video sir
Hi sir mene Axis Se loan li he And uske sathme Tata AIG ka PROPERTY insurance he, incase agar natural calamities hoti he agar property ko nuksana hota he to kya insurance vale Vo loan pay kar dege?
Insurance cover application co application dono ko fyeda hota hai na sir
Very good information well consolidated. Thank you!👍
Thank you for appreciation 😊
Sir celink hamare Ghar ki giri too
Society insurance policy hai
Clam kar sakta hai
What is the difference between high rise flat/ appartment and independent house?
Sir pl tell me personal loan k liye kya insurance lena jaroori hai mai ak gov. Emplayee hoo
Very nice information
Sir, Is Marine insurance fire are included on property insurance ?
Sir home loan insurance premium kaise calculate kre..ye 6.5lakh loan amount 5 saal ke liye toh kitna hoga per month premium
Loan protection plan already chal Raha hai uske baad Long term home sbi general insurance Ka paisha loan khate se Apne Aap cut Gaya bank me puchha to pata Chala ? Kya wo hame Lena chaiye?
Aplication co aplication dono ko fyeda hota hai na sir
Property insurance Premium would be calculated on valuation or loan amount?
Hello sir, Mera indiabullas mai home loan chal raha tha or us waqt maine Home loan insurance liya tha and abhi maine apana loan Bajaj Finance mai tranfer kiya hai so In that case mai claim kar sakata hu kya and kaise. plz reply
Sir mere home loan bank ne icici lombard ka structure cover insurance diya. Abhi 12 days remaining h, kya me insurance cancel karwa sakta hu.
but what to do with my older property insurance when I am transferring my home loan to a new bank? Do I have to close it and get a new one?
Please share more information on term insurance. Will it be one time for 40 lacs or need to pay every year
Thanks sir very informative
Keep learning Sitaram
Wow amazing video
aaj kal home loan lathe time home insurance compulsory hai kaya ....? please tel
Buying a Home is one of the biggest decisions for majority of us, and most of us spend years of investment on it. In recent years there are has been a considerably large spike in the number of home buyers due to easy financial assistance from banks like Vijaya Bank. But when compared to that, home insurance policy buyers are fairly less and many of them are even ignorant about the importance of these.
It is important but can't be compulsory as practiced by hdfc life. They forced me pay extra emi, along with blank chaque signed by me. And also other filthy tricks
Please send link where u have discussed about home loan insurance in detailed
Hi need ur help. Actually hamara ek 19 lakh ka loan hai aur dad expire huwe accident death oh amount clear hoga kya 50 lakh ka insurance tha property pe but Bank Wale bol rahe hai insurance ka amount cut nahi hua karke 2033 taq insurance hai
Sir jo nomiee ki death ho jay to main insured member ko home loan insurance ka benefit mil sakata he?
Sir home loan insurance mein husband and wife dono ke naam par hai, incase agar kisi ek ki death ho jaye tho policy claim hogi ya co applicant ko loan pay karni hogi
Give more detail regarding cholamandal home insurance.
And if i have 25 lacs rs loan how much will be my premium and for how many years i have to take insurance. My loan time is 15 year
sir a insurance ka paisa last me hame milega kya.emi khatam hine ke badhme....thoda helf karo sir
HDFC ergo is providing insurance coverage on the market value of the property. The question I asked them is the property construction defect and the construction quality will be evaluated upfront ?If not is it not going to become a point of conflict at a later stage ? Answer is No .So how is the earthquake insurance is useful? What if they they say my construction quality is bad .Since as a consumer we dont know the technicalities of a construction.
thanks for this valuable information
Good to hear that :)
hi pooja
Good topic......realy helpful
Thanks 😊
Sir. Home loan chal rahe house ko owner ko alag se home insurance Krane ki jarurat hai kya..
I am urgent needed this answer
Thank you Sir !
Most welcome!
Awesome 👏
Sir, Mera home 810000 ka liya tha 20 sal ke liye, or ab 97000 ka home loan baki hai or Bank walo ne iska insurance karwaya hai, or home 21 mahine ka baki hai, or emi home loan or insurance ka aata hai,
mujhe ye jankari chahiye ki mera home loan amounts complete hone ke bad kya mujhe insurance ka amount bhi deposit karna padega ?
if i am buying resale flat and property has already property insurance, so can i transfer this insurance under my name or have to buy again? didn't get this information anywhere.
Bhaiya home loan ke upar Jo insurance hua hai usko claim kaise kar sakte hain bich Mein jaise ki tabiyat kharab ho jaaye ghar mein kisi ki To Ham Kya kar sakte hain use durian
Home loan surrender par bhi video banaiye dear sir ji
Sir please share exclusions on home loan insurance. Please sir.
Sir mera home loan hai mujhe kaise pata lagega ki ismai insurance bhi hua hai kyonki ye mere father ji ke naam tha aur unke baad mere naam transfer ho gaya hai liakin bank kah raha hai apka insurance nahi tha mujhe kya karna chahiye please reply sir
Sir - Main Bank of Maharashtra se home loan karwa raha hun...wo mujhe Home Insurance de rahe hain mandatory bata k . Mujhe nahi chahiye kya karun ?
What if the housing loan is jointly taken by husband and wife and HLPP is taken for the loan.. In case one of the spouse expires... Will the insurance policy pay the liability of the entire loan or half the liability?
Home loan insurance , kaun sa company se hoga , pls help ?
Please tell best home insurance company in india
Kisi Bhi home par home insurance comrpsliye he Kya..plz reply sir
If one borrower died certainly.but he/she took home loan insurance.
So it will cover the home loan ??
Sir death consi cover hoti hai accident ya natural
Home loan insurance ka deduction milega kya... plz.. bataye
Is property insurance mandatory for hdfc home loan?
Mukul ji agar koi Loan k smay insurance lene k lie force karta h to kya kare
Konse bank me mandatory h home insurance o to batao?
Sir how to determine home loan insurance amount of ICICI bank
Please correct policy period in home insurance is upto 30 yrs for structure and upto 5 yrs for content.
Sir, pls. Make a video on motor insurance, zero dep. Od, tp.
With full information
Nice ...Good information
Thanks Amrit
Pls HDFC life group credit protect plus ka review kare pls n pls
Mukulji, plz tell what will happen to Loan Insurance after changing Home loan bank
If home price is 400000 then premium kitna Dana poraga monthly
Property insorance per sqrfit kya price rehta hoga
I have a home loan of 30 years..paying EMI....making Prepayment also.......what happens to this home loan insurance premium which I am paying along with my EMI....if I close out my actual home loan within 5-6 years....i am on reducing cover for 30 years...
Sirji Home loan borrowers two hai or first ki death hoti hai toh vha se loan close ho jati hai ki second borrower ko outstanding loan amount pay karna padega???
Ye meri vi janni hai..kya 1rst browser ke wife ya ladki Ko pey karna padega?agar unka koy ladka Nehi ho to
Thanks sir
Keep learning
If we have two co owner and the home insurance is taken against them what will happen if there is a death of one of the co owner will the other get the insurance amount?
How can i know that my late father had home loan insurance ?
Good information sir
So nice of you
Bank mere se puchhe bina hi mera home insurance kar ke mere account se paisa kat liya hai jabki mai home isurance nahi karana chahta ab mai kya karu
Sir mere husband ki death ho gai h abhi 2 mahine pahle hamare ghar ka loan h mujhe nhi pata h k ghar ka insurance h ya nhi me kese pata karu bob se loan liya h kya aap meri help kar sakte h
सर धन्यवाद 🙏 सर मी एसबीआय बॅकेकडून २०वर्षासाठी ४२लाख लोन घेतला आहे. मला होम लोन इन्शुरन्स हप्ता कीती द्यावा लागेल.
Sir, if a person taken a loan from X bank for 20 years and taken an appropriate home loan insurance and now he/she is switching a loan from X bank to Y bank. So in this question will the insurance cover remain as it is or person need to take fresh insurance?
You have to take another insurance...as it is insurance on loan and u have settled previous loan hence you have to take insurance on new loan.....
Abhi RERA DOCUMENTS pe Home loan diya, Two years later government unlegal bata de than property insurance cover rahega
सर, होम लोन लिया तो उसमें बैंक ने होम लोन insurance नहीं कराया था उसे कैसे कराए, plz बताइयेगा की कैसे होम लोन insurance कराए।
सर मेरा नाम विष्णु आरोडा है
मे मेडता सिटी का रहने वाला हु
मेरे पापाजी ने 22-12-2015 को डांगावास कि युको बैक से होम लोन लिया था जिस मकान पर लोन लिया वो मेरी मम्मी जी के नाम पर हे ओर जिस अकाउन्ट से
लोन लिया गया वो जोइन्ट अकाउन्ट है
लोन लेते वक्त़ पापाजी ने अपना इन्शियोरेन्स नहीं करवाया ।
अभी डेड महीने पहले पापाजी कि ऐक्सीडेंट मे डेथ हो गई
अब बैक वाले बोल रह हे लोन कि
किश्तें भरो
मेरी तो इतनी इनकम नहीं है जो मैं घर खर्च के साथ किश्तें भी भर सकूँ
आप मेरी हेल्प करो सर
ओर बताओ की अब लोन कैसे माफ होगा
SBI home loan wale property insurance ko complusry lene ko bol rahe hai under construction project par bhi . Kya kare ab
mere saath bhi yehi kiya sbi bank ne. aapne koi action liya kya? @Gaurav Arora
Is is not compulsory, even in SBI.
@@SuperUmeshpal मेरा भी येही सवाल है
Sbi केहती है की ये compalsary है
Same with me too
Sir can you share knowledge about comprehensive home insurance in details
Noted.
नमस्ते सर
मेने 2019 में 2bhk लिया था
अब समस्या ये है की मेरे नीचे वाले फ्लैट में लिकेज की समस्या हो रही है और मेने अपने प्लंबर को भी दिखाया मगर इसका समाधान नहीं निकला
ओर अपनी सोसाइटी में भी बताया
मेरा कहना ये है की में खर्चा कर के पता करु की कहा लिकेज है लेकिन मेरे खर्चे के बाद भी इसका समाधान नहीं निकला तो इसकी जिमेदारी कोन लेगा। यातो मेरे नीचे रहने वाले मकान के मालिक को आधा खर्चा देना होगा या आधा खर्चा सोसाइटी देगी
ये मेरा सवाल था ये मेरी समस्या है जो आपको साक्षिप्त में बताई।
खेर अब आपसे मेरा सवाल ये है सर की
2019 में मेने फ्लैट लिया था और बिल्डिंग तकरीबन 8 या 9 साल पुरानी है।
तो इस लिकेज का जो भी खर्चा होगा वो क्या में क्लेम कर सकता हु इंसोरेंस वाली कंपनी को या नहीं
सर आपसे अनुरोध है की इसका जवाब दे🙏