बहुत अच्छी तरह से समझाया है आपने । आपकी बातों से मैंने ये निष्कर्ष निकाला है कि किसी भी हाल में सबसे पहले अपने जीवन को कर्जमुक्त बनायें । ये हमारे हर तरह के स्वास्थ्य के लिये अत्यंत आवश्यक है ।
Don't invest in stocks as it's always risky better is repay ur loan.... Or if you want to invest then invest in NPS or PPF scheme its to good for future...
Great. It is called the power of attraction. I was just working on this issues of investment and repayment of loan. Now defiantly i have got answer of my questions.Thanks for sharing this video.
Much Appreciation for convincing many people like me having less idea about all this. God bless you for your success in many folds. I learnt many things from you. long live brother.
I had a good experience while investing in share market during this pandemic. Due to this pandemic, my expenses shrinks. Hence I had an option to pre-pay my personal loan or take the risk and invest the amount in share market or mutual funds. I took risk and diverted my 20% monthly salary since March plus some savings in share market. I choose some quality stocks based on my analysis and today my portfolio has been grown by nearly 29%.
I think its better to prepay extra 2 emi per year which we can save in tax from home loan And along with that invest in share whenever we found a dip in quality stock instead of SIP if we have a knowledge of market
@@manveersingh-ec2lr I paid my all remaining loan amount with the amount I invested during the pandemic. Now I am enjoying debt free life and created a good portfolio with MFs, Stocks, Bonds, SGBs and FDs.
Nicely explained. I will add few points, basis personal experience and observations :- 1) Even though MF investments / Stocks may yield returns , marginally better than ROI on hsg or vehicle loans, many Indians attach stress with running a loan & ideally decide to foreclose them. 2) As agnst popular convention of keeping 6 mths expenses rqmt in cash ( SB a/c or Lqd funds or ST FDs), Corona has taught us to plan for a longer period. 3) Investments are possible only if they are done first, before using for expenses ie forced investment. Otherwise wants keep coming. Thus Income minus planned investment should be allocated to expenses. Otherwise it won't happen. Thank you
Great..I got some saving and started thinking to upgrade my car which was purely a WANT but after watching this I am gonna repay a partial payment of home loan. Thanks bro 👍
I agree 100% ..most of the channel i found making confused. But you have said what i feel and doing. And guys it works..i am building my portfolio and some assets after losing some in my initial day's of investments because of wrong choices..now no more.. I follow only this strategy and presently I can see the growth from last few years. Honest and i endorse as i have been following this practically.
Agreed to all your point but there is an exceptional case where repayment of PL is also not a good option if you are investing in ELSS. Hope you have understood :) Thanks for providing such informative content free of cost
I am sorry but I think your calculation is wrong, you forgot the compounding effect. Example:- You take a home loan of 50,00,000 at 8% interest for 20 years. Your EMI will be 41,822 and the total amount payable will be 1,00,37,280. After paying EMI for 10 years, your outstanding loan amount will be 50,18,640. And at that time, suppose you have the money to repay this outstanding amount. So, you can prepay 50,18,640 or you can invest this money. Let's say you invest 50,18,640 in FD at 5% interest(Which you have shown in the video) compounded monthly for 10 years. After 10 years your investment will be 82,65,747. Net gains = 82,65,747-50,18,640= 32,47,107.
Compounding effect is on both and more on homeloan since it was being carried for 10 years ...some is definitely wrong with the logic and practicality here.
@@tarun7242 But the loan is calculated on present value basis and investment is calculated on future value basis. Amount of Interest on loan decreases as you pay principle amount and Amount of interest on investment increases as you get return on investment and reinvest those returns These will have huge effect in long term You can verify on your own with the help of emi calculator and compounding calculator on google
Nice video sir, I like your voice. This video is very useful... मैं भी ऐसी ही दुविधा में था लेकिन इस विडियो ने मेरी दुविधा दूर कर मार्ग प्रशस्त कर दिया । Thanks sir...
I think you missed a point which should be considered as well. EMI has 2 components & usually these days all Banks offer reducing EMI. Therefore I think one should consider the outstanding amount of loan before pre-paying it. For Ex. If a loan of ₹10 lac was taken for 10 years then benefit is only available if we prepay it in initials years but if we want to prepay it after 7 or 8 years it will be a loss as banks have already recovered majority interest. In nutshell I think decesion should depend on NET EFFECTIVE ROI & not the actual ROI as it's a sunk cost which is irrelevant for decision making. Request you to kindly correct me if I am wrong. As I learn a lot from your videos
"banks have already recovered majority interest" this statement is wrong because bank doesn't charge more interest in initial year. As we have higher loan amount at start the interest component is more and as we pay the principle interest charges is less (because outstanding loan amount is less )
@@AssetYogi साहब आप बहुत अच्छी जानकारी देते हैं, मेरा एक प्रश्न है -यदि कभी टेक्निकल कारण से grow एप्प ठीक से काम न करें और हमारा बहुत सारा पैसा इन्वेस्ट हुआ है तब हम क्या करेंगे? पैसे निकालने के लिए, इस टॉपिक पर वीडियो बनाइए sir
Thank you sir I demanded this vedio... U made the analysis quite simple... Thank you for making this complicated topic understand in a quiet simple way.... Thank you from my bottom of my heart...
Partially agree with this video. If SIPs are skiped it will impact long term investment. Missing to buy a good quality stock, when available at cheap rate, is a loss. So going in balanced way looks better even when paying off loans.
I would still say, prepay Home Loans (if early years of Loan Tenure) and not invest in Stocks/MFs (if 25+ Lacs of Home Loan). Because per year around 2 to 2.5 Lacs of Interest you'll be paying for such a home loan, whereas you'll be gaining only 10 to 20k in Stocks/MFs if you invest 1 to 2 lacs in Stocks/MFs and earn interest of suppose 10+ % on them.
investment in MF makes sense only when the principal amount is same of your loan and Investment otherwise the return on mutual fund is not enough to offset loss by not paying loan
@@AssetYogi sir ji one of your subsriber Want to buy a house within 5years today's cost is 1.2cr incl.taxes|stamp duty etc... Should I take on loan or invest money instead?
Sir, with over 30 years of experience, as an investor, I can say with confidence that average returns on mutual fund investments (on overall CAPITAL) is between 7 to 9 percent (max 10%) for 98% investors. Average return is 7.5% only. Best is PPF & nothing else.... One has to do nothing, just invest & go to sleep, peacefully,without taking ant tension, live life happily ......Taking botheration, high risk, losing peace of mind just for 0.4% extra is foolishness..... BUT THEN WHO WILL GO TO BROCKERS ??
Yes, you are ✔✔✔, recession me liquidity maintain karna bhi bohat zaruri h, without income aap 12 month ghar chala sakte ho & 18 months EMI pay kar sako itna liquidity to ho hi recession me market me paisa lagaye..
Vijay kedia became below multiple times before he could reach where he is today. He took a loan cause he was sure of his knowledge and skills. If one reaches that level of knowledge and skills then there is nothing wrong in taking a loan. A personal loan of 10lakhs will shell an interest of around 1lakh in a year. With that 10lakhs one can ear 10 lakhs provided he has knowledge skills n experience. Calculated Risks are crucial.
Yogiji, You choose good topic but if you continue video or make new video which shows the calculation in excel sheet like your video buy vs rent home which makes effective,useful this video . Public k dimag me figure chap jata hai ,so make your most video in excel sheet ,as you choose good topic related to many lives and last me summary dijiyega pls. Thank you. Good effort, God bless you,keep it up
आजकल आपके विडियो 1 या 2 वर्षों के मुताबिक... बहुत कम दिखाई पड रहा है। मुझे शहरी N.A जमीन बेचने पर मकान लेने के लिए कुछ रकम फिलहाल कम पड रही है । लेकिन होम लोन लेकर जल्द भरपाई करने का कोई फायदा या नुकसान हो तो उस पर एक विडियो जल्द बनाइये । ✌️🙏👌
Hello Sir, I have a education loan of 5 lakh with a interest rate of 8.45% and the EMI is ₹8500/m. I was thinking just to pay EMI and I wanted to invest extra saved money in MF and Stocks. Make another video on CIBIL score.
Thank you for the detailed analysis sir.. Generally is it advisable to take loan from PF and invest in MF so tht you earn both ways ? Please suggest your thoughts..
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Informative video ! But still I am in confusion that do I have to repay my education loan which is around 10L with 10% interest or to invest in stock market.
Same here I have 15 L home 🏡 loan and just think 🤔 about to broke my life insurance policy which is given me currently maximum 3 to 4.5 %☝️ return after 11 year's pay regularly primium so after broke it that policy which money I got it I was thinking about to investing in market through trading 💹 and also think about all the.. Money 💵 going to repay my loan some amount it just 1.65 L only.. Still confused bcz I'm completely 80% blank in market but I have always interested to try investing by small amount.. And get experience 1'st and wait untill to market going down..
*One word you must keep in mind guys when dealing with loan* _Loan ek loaded gun ki tarha hota hai, goli apko bhi lag sakta hai_ Hit Like if you agree...
Sir rbi has recently launched positive pay system for cheque. Can you make a detailed video on it. It will really help me and others as well. Thank you
आप एस बार गलत है बैंक का कजँ है ओर उसे भरे या वो रुपये रीक्स वाले शेर माकेँट मे डाले मुजे लगता है कजाँ हो तो रीक्स वाला एनवेस्ट करने से अछाँ लोन ही भरे रात को नींद तो सुकुन भरी आये.
Sahi kaha bhai loan ek karza hai jo hume sahi time pe bhar deni chahiye..jab tak apna kaam dhandha thik thak chalu hai..loan chukta hone ke baad paisa bachta hai to aap kahi bhi khuch bhi invest kar sakte hai..
@@ketankava34 Haa bhai ye mutual fund ki bajay post recurring ya ppf me invest karna better rahega..returns bhale hi kam mile par paisa to safe rahega..aane wale saal kaise aate hai ye kisko pata?
@@raviroyal11 Bhai modi aane wale saal mein... Banks m pesa rakne ka bhi chrge lega. Galat fehmi m mt rahna. Sbi hitlist m hai isme. To no ppf, no mf.. Onli lic bcuz lic m invest krna means pesa lic m h rkhna hota h. Naaki market mein. Mfunds m pesa means market m pesa lgana hota, jiska haal abhi covid m dekh h chuke ho aap bhai log
Hi Mukul, as per me If you invest 20 lacs in Kisan Vikas Patra instead of paying off early loan, your money will get doubled in 10.4 years means 40 lacs. And total interest on 20 lacs paid on home loan will be 9 lacs means 29 lacs. So we can utilize that option to make 12 lacs straight away. To save tax on KVP return, we can invest in the name of parents. Pls share your thoughts 🙏🙏
Thanks I'm searching this type vedio since long time. Actually I have 12 lac home loan last month deposit 2 lac & it's from 2016 & I have increased our emi to 20000 from last month & I have 1 lac access money every month so please advise May I prepayment our home load or investmenting please advise
@@AssetYogi yes sir and please explain if we pay our loan of 8 % interest and investing at 15% average returns then is the calculation only this much or is there any hidden catch involved that we should look into while allocating our money in loans and investments. Thank you sir .
Sir, Your concepts are wrong. You don't know Power of Compounding. Investment in PPF i.e. @7% is more beneficial compair to prepay House loan @8%. You can do practical calculations. Thanks.
Very nice Sir.. Super breakdown.. I have not seen anyone else on youtube breaking dosn and presenting the content for their viewers so nicely.. Great work sir seriously
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बहुत अच्छी तरह से समझाया है आपने । आपकी बातों से मैंने ये निष्कर्ष निकाला है कि किसी भी हाल में सबसे पहले अपने जीवन को कर्जमुक्त बनायें । ये हमारे हर तरह के स्वास्थ्य के लिये अत्यंत आवश्यक है ।
Thanks for this comment!
Aap bahut hi achche se clearly batate hain sir.
Thanks 😊
@@AssetYogi sir make a video on new SEBI margin rules
@@AssetYogi with the facts and figures. ( Though average so it will give high level idea)
buy the book "total money makeover" or follow Dave Ramsey...He is also doing That :D
Totally agreed
A must needed video for me, I have some loans to repay and I am investing in stock market as well, I am confused what to do
It's good when someone explains too easy, I make videos on stock market you must watch it, and give your suggestions .
Please invest in best stock like bajaj finance hdfc group relaxo berger like stock.
C
Cc
Don't invest in stocks as it's always risky better is repay ur loan.... Or if you want to invest then invest in NPS or PPF scheme its to good for future...
जरूरी नहीं है कि जहां पैसा लगाए हो वहां आपको हमेशा प्रॉफिट ही हो
@ohohoh ohoh hahaahhah
I have been searching for this video for 5 days in Google and youtube on this topic.. thank you so much sir
Great. It is called the power of attraction. I was just working on this issues of investment and repayment of loan. Now defiantly i have got answer of my questions.Thanks for sharing this video.
Keep learning 😊
Much Appreciation for convincing many people like me having less idea about all this. God bless you for your success in many folds. I learnt many things from you. long live brother.
Thanks Avinash :)
I personally agree with you
Karta to mai bhi waise he tha aprox jaise aap ne bataya but I am sure...mainse itna kabhi socha he nahi tha....awesome
आप बहुत अच्छे से समझाते है
Just like a good friend
Nice job
Thanks Arun
I had a good experience while investing in share market during this pandemic. Due to this pandemic, my expenses shrinks. Hence I had an option to pre-pay my personal loan or take the risk and invest the amount in share market or mutual funds. I took risk and diverted my 20% monthly salary since March plus some savings in share market. I choose some quality stocks based on my analysis and today my portfolio has been grown by nearly 29%.
Great Even I too invested like you, since I purchased SBI stock(30%) the return are hovering around 7-8%
what about now ?
I think its better to prepay extra 2 emi per year which we can save in tax from home loan
And along with that invest in share whenever we found a dip in quality stock instead of SIP if we have a knowledge of market
@@manveersingh-ec2lr I paid my all remaining loan amount with the amount I invested during the pandemic. Now I am enjoying debt free life and created a good portfolio with MFs, Stocks, Bonds, SGBs and FDs.
Risk hai toh ISHQ hai 😁
Very practical topic ! Great thought to make this kind of video, no one has made it in utube ! Congratulations
plus 1
अपनी क्वालिटी अनुभव गज़ब के है । बहुत सारी दुविधा क्लियर हुआ ।
Dhanyawad 😊
Nicely explained. I will add few points, basis personal experience and observations :-
1) Even though MF investments / Stocks may yield returns , marginally better than ROI on hsg or vehicle loans, many Indians attach stress with running a loan & ideally decide to foreclose them.
2) As agnst popular convention of keeping 6 mths expenses rqmt in cash ( SB a/c or Lqd funds or ST FDs), Corona has taught us to plan for a longer period.
3) Investments are possible only if they are done first, before using for expenses ie forced investment. Otherwise wants keep coming.
Thus Income minus planned investment should be allocated to expenses. Otherwise it won't happen.
Thank you
You r very informative sir aapk hi video dekhkr hamne invest mutual fund m karna shuru krdiya h sir thnku sir I'm just 19year
Great..I got some saving and started thinking to upgrade my car which was purely a WANT but after watching this I am gonna repay a partial payment of home loan. Thanks bro 👍
Real life story of a middle class family... Thank you so much.
It's my pleasure
I agree 100% ..most of the channel i found making confused. But you have said what i feel and doing. And guys it works..i am building my portfolio and some assets after losing some in my initial day's of investments because of wrong choices..now no more.. I follow only this strategy and presently I can see the growth from last few years. Honest and i endorse as i have been following this practically.
Glad to hear that 😊
जानकारी से भरपूर-जबरदस्त वीडियो मुकुल जी😊😊😊👌🏻👌🏻👌🏻👌🏻👌🏻🇮🇳🇮🇳🇮🇳🇮🇳🙏🙏🙏🙏🙏
Thanks Deepak :)
😊🇮🇳🙏
" पेट मे कब्ज और सर पे कर्ज "
आपकी रातों की नींद और दिन का सुकून छीन लेते हैं । इनसे बचें ।
आपका शुभ चिंतक
वैद्य पं. उमेश शुक्ल , छिंदवाड़ा mp
Bilkul sahi kaha , Maine apni life spoil ka li home loan and car loan leke
जितनी चादर उतना ही पैर फैलाये।
@@nexmoneyappeducation7896 hum chadar badi krne me vishwash rakhte hai .
Pr loan soch samajh kr lena chahiye
@@ashishsharma-nz5nv bhai kaise....
मतलब पूरी उम्र झोम्प्डे में गुजारूं।बिना होम लोन के घर कैसे बनेगा
Apka video dekhke hi....full knwledge satisfaction milta hai thnx🙏
Thanks Vijay
Agreed to all your point but there is an exceptional case where repayment of PL is also not a good option if you are investing in ELSS. Hope you have understood :)
Thanks for providing such informative content free of cost
Yes, I have said same.
Just saw this today, I think there is no better explanation then this. Thank you sir.
You are the best financial guide on youtube. Loved the animations in this video sir. Thanks :)
Thanks 😊
@@AssetYogi सर प्लीज बताइये की आज के समय मे पैसे किसमे लगाए जिसमे 13 % तक रेतुर्न आए
Jawab nahi aapka ......thanks sir for your guidance 🙏
Hope you like this video
I am sorry but I think your calculation is wrong, you forgot the compounding effect. Example:-
You take a home loan of 50,00,000 at 8% interest for 20 years. Your EMI will be 41,822 and the total amount payable will be 1,00,37,280.
After paying EMI for 10 years, your outstanding loan amount will be 50,18,640. And at that time, suppose you have the money to repay this outstanding amount. So, you can prepay 50,18,640 or you can invest this money.
Let's say you invest 50,18,640 in FD at 5% interest(Which you have shown in the video) compounded monthly for 10 years.
After 10 years your investment will be 82,65,747. Net gains = 82,65,747-50,18,640= 32,47,107.
Compounding effect is on both and more on homeloan since it was being carried for 10 years ...some is definitely wrong with the logic and practicality here.
Bro also consider while comparing that EMI is like recurring deposit.
There is huge different in returns of recurring deposit and one time deposit
Toh home loan me compounding nahi hoga kya? Matlab kuch v
" पेट मे कब्ज और सर पे कर्ज "
आपकी रातों की नींद और दिन का सुकून छीन लेते हैं । इनसे बचें ।
आपका शुभ चिंतक
वैद्य पं. उमेश शुक्ल , छिंदवाड़ा mp
@@tarun7242 But the loan is calculated on present value basis and investment is calculated on future value basis.
Amount of Interest on loan decreases as you pay principle amount and Amount of interest on investment increases as you get return on investment and reinvest those returns
These will have huge effect in long term
You can verify on your own with the help of emi calculator and compounding calculator on google
Nice video sir,
I like your voice.
This video is very useful...
मैं भी ऐसी ही दुविधा में था लेकिन इस विडियो ने मेरी दुविधा दूर कर मार्ग प्रशस्त कर दिया ।
Thanks sir...
Keep learning Haridev
I think you missed a point which should be considered as well. EMI has 2 components & usually these days all Banks offer reducing EMI. Therefore I think one should consider the outstanding amount of loan before pre-paying it. For Ex. If a loan of ₹10 lac was taken for 10 years then benefit is only available if we prepay it in initials years but if we want to prepay it after 7 or 8 years it will be a loss as banks have already recovered majority interest.
In nutshell I think decesion should depend on NET EFFECTIVE ROI & not the actual ROI as it's a sunk cost which is irrelevant for decision making.
Request you to kindly correct me if I am wrong. As I learn a lot from your videos
Make sense bro
"banks have already recovered majority interest" this statement is wrong because bank doesn't charge more interest in initial year.
As we have higher loan amount at start the interest component is more and as we pay the principle interest charges is less (because outstanding loan amount is less )
Bhai ekadam badhiya ho aap Mere credit card Ka masla Hal Ho Gaya thank you very much
Excellent video and excellent presentation 👏. You have good grip on how to make the topic understand 👍 thanks good wishes
Thanks for appreciation Rahul 😊
Good information
नमस्कार साहब जी आप बहुत अच्छा जानकारी देते हैं लोन चुकाए या इन्वेस्ट करें बेहतरीन वीडियो बनाया है आपने
Thanks Dinesh :)
@@AssetYogi साहब आप बहुत अच्छी जानकारी देते हैं, मेरा एक प्रश्न है -यदि कभी टेक्निकल कारण से grow एप्प ठीक से काम न करें और हमारा बहुत सारा पैसा इन्वेस्ट हुआ है तब हम क्या करेंगे? पैसे निकालने के लिए, इस टॉपिक पर वीडियो बनाइए sir
This was always there in my mind and I saw this video, so glad and thank you so much sir.
It's good when someone explains too easy, I make videos on stock market you must watch it, and give your suggestions .
Thanks sir for sharing your knowledge and your experience.....bahut hi mindblowing videos sir🇮🇳🙏
Thanks for appreciation Ankit, keep learning :)
Thank you sir I demanded this vedio... U made the analysis quite simple... Thank you for making this complicated topic understand in a quiet simple way....
Thank you from my bottom of my heart...
Thanks for appreciation Yogesh :)
Partially agree with this video. If SIPs are skiped it will impact long term investment. Missing to buy a good quality stock, when available at cheap rate, is a loss. So going in balanced way looks better even when paying off loans.
I would still say, prepay Home Loans (if early years of Loan Tenure) and not invest in Stocks/MFs (if 25+ Lacs of Home Loan).
Because per year around 2 to 2.5 Lacs of Interest you'll be paying for such a home loan, whereas you'll be gaining only 10 to 20k in Stocks/MFs if you invest 1 to 2 lacs in Stocks/MFs and earn interest of suppose 10+ % on them.
No Stock market at all, your CAPITAL IS ALSO NOT SECURED there.
@@Raja-up6yv yes right
investment in MF makes sense only when the principal amount is same of your loan and Investment otherwise the return on mutual fund is not enough to offset loss by not paying loan
Thanks for this video . Was confused a bit as was facing the same delemia . Now everything sorted out... Thanks once again
Thanks sir for making this type of informative video
Hope it's helpful :)
@@AssetYogi sir ji one of your subsriber
Want to buy a house within 5years today's cost is 1.2cr incl.taxes|stamp duty etc...
Should I take on loan or invest money instead?
Bahot sahi topic pe video banaya aur achhi information provide ki.. Thanks!
Hope it's helpful Anup :)
Asset Yogi Yup it is..
Good comparison of interest rates in loan & investment ...for me it's connect the dotted line.. thank you for these video.
Nice..
I was in confusion to invest or to pay the PL..but now I will pay PL
Mind blowing analysis thank u so much sir.
Keep learning 😊
The way u discribed missing link, its really appreciable👍🏻👌🏻
Thanks for appreciation 😊
Useful video on right time. Happy Friendship Day sir. Have a great day!
Happy friendship day Rahul :)
I had confuse this subject but i got solved from you ; lot thanks
Good to hear that
Great content as always with clarity !
Thanks Madhavan :)
Thank u sir. You Have the Best videos for financial education. I now know what do with my money. Thank u sir❤
Very useful knowledge 4r each and everyp person to once a whole life
Thanks Mangesh, Keep learning :)
@@AssetYogi s सर
It's good when someone explains too easy, I make videos on stock market you must watch it, and give your suggestions .
Useful imformation
Thank you so much sir👍👍👍 Your videos are very helpful❤️❤️❤️
Most welcome
Sir, with over 30 years of experience, as an investor, I can say with confidence that average returns on mutual fund investments (on overall CAPITAL) is between 7 to 9 percent (max 10%) for 98% investors. Average return is 7.5% only. Best is PPF & nothing else.... One has to do nothing, just invest & go to sleep, peacefully,without taking ant tension, live life happily ......Taking botheration, high risk, losing peace of mind just for 0.4% extra is foolishness..... BUT THEN WHO WILL GO TO BROCKERS ??
Ha sir ji,Mutual fund ki over marketing ho rahi he
Even better is to learn stock investing... It will increase your skill because sitting idle harms us more.
Yes, you are ✔✔✔, recession me liquidity maintain karna bhi bohat zaruri h, without income aap 12 month ghar chala sakte ho & 18 months EMI pay kar sako itna liquidity to ho hi recession me market me paisa lagaye..
Great suggestion, Very right said.
Keep learning 😊
Vijay kedia became below multiple times before he could reach where he is today. He took a loan cause he was sure of his knowledge and skills. If one reaches that level of knowledge and skills then there is nothing wrong in taking a loan. A personal loan of 10lakhs will shell an interest of around 1lakh in a year. With that 10lakhs one can ear 10 lakhs provided he has knowledge skills n experience. Calculated Risks are crucial.
Waiting this subject everybody needed this type of video
It's good when someone explains too easy, I make videos on stock market you must watch it, and give your suggestions .
Yogiji,
You choose good topic but if you continue video or make new video which shows the calculation in excel sheet like your video buy vs rent home which makes effective,useful this video .
Public k dimag me figure chap jata hai ,so make your most video in excel sheet ,as you choose good topic related to many lives and last me summary dijiyega pls.
Thank you.
Good effort, God bless you,keep it up
Thank you for this video. A Solution to my questions .
Thanks Abhilash
GOOD. BETTER. BEST. I WAS REALLY FACING SUCH A SITUATION. FALAK.
ITS REDUCING RATE OF INTEREST IN WHICH 7 % IS 3.5 %
आजकल आपके विडियो 1 या 2 वर्षों के मुताबिक... बहुत कम दिखाई पड रहा है।
मुझे शहरी N.A जमीन बेचने पर मकान लेने के लिए कुछ रकम फिलहाल कम पड रही है । लेकिन होम लोन लेकर जल्द भरपाई करने का कोई फायदा या नुकसान हो तो उस पर एक विडियो जल्द बनाइये । ✌️🙏👌
Hello Sir, I have a education loan of 5 lakh with a interest rate of 8.45% and the EMI is ₹8500/m. I was thinking just to pay EMI and I wanted to invest extra saved money in MF and Stocks. Make another video on CIBIL score.
Pay your loan 1 st ........
Nicely explained especially for one who takes loans n invest in market..... thanks bro keep it up...
Thanks 😊
Invement
Compound interest + Liquidity - Tax - Inflation
Pre payment
Good score + Interest saving + Tax benefit - Liquidity
Simple, straight n clear. Really as I don't find any single unnecessary words 👍
Thanks for appreciation Venkat 😊
Thank you for the detailed analysis sir..
Generally is it advisable to take loan from PF and invest in MF so tht you earn both ways ? Please suggest your thoughts..
Let's say आप बहुत अच्छा बताते हैं
Dhanyawad :)
Invest in PPF SSA is better than rapay the home loan.
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Very good video...a new perspective for investment according to market situation....
Informative video ! But still I am in confusion that do I have to repay my education loan which is around 10L with 10% interest or to invest in stock market.
Same here I have 15 L home 🏡 loan and just think 🤔 about to broke my life insurance policy which is given me currently maximum 3 to 4.5 %☝️ return after 11 year's pay regularly primium so after broke it that policy which money I got it I was thinking about to investing in market through trading 💹 and also think about all the.. Money 💵 going to repay my loan some amount it just 1.65 L only.. Still confused bcz I'm completely 80% blank in market but I have always interested to try investing by small amount.. And get experience 1'st and wait untill to market going down..
My all time favourite sir
Best 👍 explanation
❤️❤️❤️
Thanks Naresh 😊
You chose a very important topic that solved my problem thanks a lot...
Maan Gaye DOST Good Idea.💐💐💐✌
Thanks Rajendra 😊
*One word you must keep in mind guys when dealing with loan*
_Loan ek loaded gun ki tarha hota hai, goli apko bhi lag sakta hai_
Hit Like if you agree...
Sir, you explained us in very simplistic way, also touched every aspect of investment.....keep posting such videos .......all the best👍👍
Keep watching
Sir rbi has recently launched positive pay system for cheque. Can you make a detailed video on it. It will really help me and others as well. Thank you
Nice video. Apke video chote aur ache rete he. Keep it up. Thanks a lot
Thanks for appreciation 😊
Want Knowledge
About Human welfare credit thrift society limited
Under Ministry of agriculture
Plzzzzzzzzzzzz
Very nice & fast guidance, ,,,,,
Have to listen very carefully.
😊 😊 😊
Keep learning 😊
आप एस बार गलत है बैंक का कजँ है ओर उसे भरे या वो रुपये रीक्स वाले शेर माकेँट मे डाले मुजे लगता है कजाँ हो तो रीक्स वाला एनवेस्ट करने से अछाँ लोन ही भरे रात को नींद तो सुकुन भरी आये.
Sahi kaha bhai loan ek karza hai jo hume sahi time pe bhar deni chahiye..jab tak apna kaam dhandha thik thak chalu hai..loan chukta hone ke baad paisa bachta hai to aap kahi bhi khuch bhi invest kar sakte hai..
@@raviroyal11 मुकुल मलीक का एनवेस्ट मेन्ट शेर माकेँट मे डुबा है ये बात पक्की है ओर ये हमे डुबा ने मे लगे है.
@@ketankava34 Haa bhai ye mutual fund ki bajay post recurring ya ppf me invest karna better rahega..returns bhale hi kam mile par paisa to safe rahega..aane wale saal kaise aate hai ye kisko pata?
@@raviroyal11 Bhai modi aane wale saal mein... Banks m pesa rakne ka bhi chrge lega. Galat fehmi m mt rahna. Sbi hitlist m hai isme.
To no ppf, no mf..
Onli lic
bcuz
lic m invest krna means pesa lic m h rkhna hota h. Naaki market mein.
Mfunds m pesa means market m pesa lgana hota, jiska haal abhi covid m dekh h chuke ho aap bhai log
@@sidkid9058 Haa Bhai ye bhi possible hai.. kyonki halat to yehi keh rahe hai..
Very important nd topic nd awesome solution...thank you very much for this content
Most welcome
Sirjee LIC HOUSING FINANCE LIMITED KE HOME LOAN LEKAR EK VIDEO BANIYE NA...PLEASE
your explaining method of any topic is superb 👍
Thanks 😊
Hi Mukul, as per me If you invest 20 lacs in Kisan Vikas Patra instead of paying off early loan, your money will get doubled in 10.4 years means 40 lacs. And total interest on 20 lacs paid on home loan will be 9 lacs means 29 lacs. So we can utilize that option to make 12 lacs straight away. To save tax on KVP return, we can invest in the name of parents. Pls share your thoughts 🙏🙏
Good Sugesstion
Man ki baat bata di Sir.. Thanks.
Thanks 😊
Thanks I'm searching this type vedio since long time.
Actually I have 12 lac home loan last month deposit 2 lac & it's from 2016 & I have increased our emi to 20000 from last month & I have 1 lac access money every month so please advise May I prepayment our home load or investmenting please advise
If u want to close, close the loan fully, don't do part payment
Wil bank allow prepayment full loan without xtra interest
Very nice explaination sir . Please make a next part in continuation describing in details on how much to allocate money in loans and investments .
Noted
@@AssetYogi yes sir and please explain if we pay our loan of 8 % interest and investing at 15% average returns then is the calculation only this much or is there any hidden catch involved that we should look into while allocating our money in loans and investments.
Thank you sir .
Sir, Your concepts are wrong. You don't know Power of Compounding. Investment in PPF i.e. @7% is more beneficial compair to prepay House loan @8%. You can do practical calculations. Thanks.
Very nice 👍 video till date thank you so much sir 🙏🙏🙏
Thanks Akanksha
Bol bachan
Very nice Sir.. Super breakdown.. I have not seen anyone else on youtube breaking dosn and presenting the content for their viewers so nicely.. Great work sir seriously
Thanks for appreciation 😊
Bahut hi badhiya solution btaya h bro
Thanks 😊
Really informative video sirji 👌👌👌🙏
Thanks Nilesh
Excellent. I've got all my answers.
Good to hear that Ashis :)
You are doing great explanations as best teachers thanks
It's my pleasure
Thank you sir aapka videos dekhkar mujhe bahut motivate Mila
Very good and informative video's
without any cost best work
Thanks for appreciation Attik
Nice motivational video...I'm ur new viewer...really helpful
Thank you so much 🙂
Very good advise .Most of us face this confusion
Before investing Just check out last year mutual fund returns ...
great knowledge piece sirji kuchh log negative bolenge but pls sir aap dont mind thanks once again
Greatest.....very clear cut guidance....keep it up dear...