आज तक कभी ट्रेडिंग नहीं कि लेकिन सीखना चाहता था,काफी समय से दुविधा में था लेकिन आपके द्वारा दी गयी जानकारी की वजह से बहुत कुछ सीखने को मिला... Thnkuh so much
Mein loan or credit card me fasa hua hu meri umar mahaj 24 saal hai or mein ise apne level pr apni khud ki stretegy ke sath clear krunga 1. 2 saal ke ander
Mukul sir i am following you since year 2019 and regularly watching your video, help me out for the debt free easy niw 2024 hope next year i will be dept free.
@@AssetYogi omg 😳😳....heart or reply dono....thank you so much Yogi bhai....aapse mai ek bat kahna chahta tha...bt lga aap comment sayad nhi pdhte....islye kbhi likha nhi...Main aap k videos 2018 se dekh rha hun...tbse Maine bhut c chizein bdli.. financially...or aaj mai bhut khus hun...thank you so much Bhai..
HI Mukul, Nice and informative video.... One suggestion, if you want to use side cameras then you can try capturing important statement by looking sidewise (which can be captured in side camera as a front view)...... may be something like a last statement while concluding any point can be stated while facing side camera...….
Hello Sir I like your context every time and use to watch your videos but I have a question If you can please answer that for me. NDTV profit logo in left top corner, Why❓ I think there are many more you want to know why Adani NTDV is flashing on your video.
Thankyou sir for such informative video! I just want to add-on one thing that while opting for top-up on home loan, one need to check weighted average rate that they will be paying on total loan.
Thank you! I am a single mom, I've been thinking about investing going into 2024. I'm starting a business and am about to be financially stable enough to start putting money into the market. My biggest question before I get started is: How do I know if the stock market is too high right now so should I wait for a downturn before investing? Or what type of stocks (ETF, Index Funds, Penny Stocks, High Yield Dividends, etc.) should I buy at different turns in the market?
@sammyphon you're really doing well for yourself, my retirement plans are going down the drain. I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?
Exactly what I’m doing again this week. The smartest thing I’ve ever done was having 30% in cash to buy on the way down in 2021. It hurt watching 30-40% discounts drop to 50, but grabbing Google, NVDIA, Apple, and others near the bottom has paid off. I love the bull outlook but I’m not confident to should hold all equities
Thank you, Mukul jee, for the insightful breakdown of bad vs. good loans! Your advice on staying debt-free is invaluable. Grateful for the financial wisdom shared in this video! ❤
Mere Dada Nana Ke Time Loan Nahi Hote The Jamin Bhi Thi Dade Ghar Bhi Ye Loan Abhi YEAR 2000 Se Start Hua He WAY? 35 Lakh Ka Loan He JISME 10 LAKH bad Loan He , KYA KARE?
Sir mera question hai Maximum kitne loans (Good Loans) le skte h jisse Cibil score pr jyda effect na ho kyuki Kahi suna tha Maximum 3 loan hone chahiye
Valuable Inputs on Loans - but can you brief us on the subject matter - if we are talking home loans then how to close those at best possible time. Thanks 🙏
different ways to deal with this, few from my side: 1. Pay 1 extra EMI in every financial year 2. Purchase Equity of the same bank from which loan is taken on regular intervals in 1 financial cycle. 3. Purchase MF based on some research on regular intervals in 1 financial cycle
@@AmitKumar-sx6zf Equity or MF se loan par to koi farak nahi padega. Jitna extra EMI de denge utna jaldi repayment hoga. Uske baad investment ke options has Equity or MF. Or same bank ke equity se to kuch matlab nahi, jo achcha return de raha hai or safe hai woh le lena.
Sir what do you mean by if I settle my loan my cibil will be decreased? I mean is it means if anyone pays their debt before time it will put bad impact on their credit score?
@assetyogi - if my loan is “X” lakhs and I have “X” amount in my mutual fund then I don’t think it’s a good strategy to close the loan as Mutual funds grow better than loan amount assuming loan interest - 12 % reducing and MF 10 %
Me bhi credit card use karta hun but don't use to debt its use for a daily lifestyle and your utility bills and requirements only . Jab hum apni requirement ke liye credit card ka use karenge to hum bewajah ki pareshani se bach jayenge or time to time credit card ka bills payment karna h. Me is tarike se 1000-1500 rs every month credit card walo se cashback le leta hun. Pesa unka hi use karke unse hi pese le lo but uske liye apko due date se pahle pura credit card ka bill payment karna padega
I have a personal loan with L&T finance. They allow prepayment (minimum 25% of the principle amount) only once in six months along with 16% prepayment charges. L&T finance doesn’t let me give few extra EMIs. The 25 % amount of principal amount is huge. Any ways to get over this ?
❤Q&A❤ We all know that in long run Indian stockmarket will grow. Then what is the need of diversification between stocks,gold, real-estate,fd,ppf etc etc. Suppose, previously I want to make a 10lakh emergency fund and rest all money will diversify accross all assets class BUT instead of doing this if I make 20lakh emergency fund and rest all money put in stockmarket for long term then how worth is it to do this? How safe or risk in this? If not then what is the main risk in the stockmarket that everyone should aware of this. So that everyone can diversify their money accross different assets class. Thank you Indranil Kundu Kolkata, West Bengal, India
I have taken a loan on credit card and the emi which is mentioned over there bank deduct that amount plus they also deduct tax on it. so what I need to do
Sir mera vidhyalaxmi portal se loan pass hua he Kya ab mujhe CSIS through subsidy mil skti hai kya ?.....aur uskee liye kya krna hoga !?...please batayein sir ❤
Dear sir To repay home loan early, it is advisable to pay 1 or 2 EMI amount extra per year to principal amount... But instead of 1 EMI amount paying per year,can I pay that in equally small amounts per month to principal o/s amount? Will it make same impact? Pls assist
Join All-In-One Video Finance App here: vidfin.com/
Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.
सच मैं लोन फ्री लाइफ एक जीवन संजीवनी है...... मेरा सिर्फ होम लोन बचा है अब....... दोस्तों भूखे पेट सो जाना लेकिन कभी भी पर्सनल लोन मत लोना
Sahi baat mai bhi bhugat rha hu 5 L ka loan 7 bhar chuka hu abhi bhi bhar rha hu
आज तक कभी ट्रेडिंग नहीं कि लेकिन सीखना चाहता था,काफी समय से दुविधा में था लेकिन आपके द्वारा दी गयी जानकारी की वजह से बहुत कुछ सीखने को मिला... Thnkuh so much
Thankyou for watching!
Feb 2024 mein debt free ho jaunga
Bc abhi loan nhi lena at age 26 saari salary loan mein hi chli jaati hai
NO EMI ONLY SIP ❤
Sir aap itne ache se har baat clear kar dete Ho ki koi question poochne ki gunjaish hi ni rehti.
Thanx a lot sir for ur guidence
Thanks a lot
Sir ji....pura life kharap hu gaya credit card loan and loan se...ur vedio motivated ... like it
Thankyou!
Aaj tak koi loan nahi liya par information gather karna always beneficial thanks for the video
Kon Kon Loans Aur Credit Card 💳 Me Fasa Huva Hai?
Me
Loan dega?
More than 90% people
Main faste faste Bach gaya
Main
Sukriya Sirjii... Always explain everything in most simple way..
Mein loan or credit card me fasa hua hu meri umar mahaj 24 saal hai or mein ise apne level pr apni khud ki stretegy ke sath clear krunga 1. 2 saal ke ander
You are the most intelligent & wise finance youtuber in India
Thank you Sir for guiding us at every moment of financial planning
Glad
Mukul sir i am following you since year 2019 and regularly watching your video, help me out for the debt free easy niw 2024 hope next year i will be dept free.
AY, Finally I got debt free this year. Now 70-80% salary is invested in MF/STOCKS. FINANCIAL INDEPENDENCE journey hence started
Congratulations!
Your age
Congrats bro
Only genius in RUclips,hats off
Ye Topic bahut jaruri tha .
To sum it up
1. Snowballing strategy
2.Reducing bad loan
3. Toppingup low interest loans
4. Save for luxury but forgot one strategy
Sir, I have questions. Early payment of Home loans and investment in Mutual funds what should be the ratio for both.
Meri limit to 9.1 lacs h...bt I hardly use it 20-30k ...so my credit utilisation ratio is... excellent
Yes, good!
@@AssetYogi omg 😳😳....heart or reply dono....thank you so much Yogi bhai....aapse mai ek bat kahna chahta tha...bt lga aap comment sayad nhi pdhte....islye kbhi likha nhi...Main aap k videos 2018 se dekh rha hun...tbse Maine bhut c chizein bdli.. financially...or aaj mai bhut khus hun...thank you so much Bhai..
Maine good loan liya hai business karne k liye aur aage bhi business k liye hi leta rahunga
By the grace of God I am not under debt
Asset Yogi se request hain ki aap value investing ke bare mein video banaye for beginners..
HI Mukul,
Nice and informative video....
One suggestion, if you want to use side cameras then you can try capturing important statement by looking sidewise (which can be captured in side camera as a front view)......
may be something like a last statement while concluding any point can be stated while facing side camera...….
Sir, You are really an asset for us.
Thanks a lot!
Please make a video on how to save for life expenses like Cars, house, gadgets, vacations without taking loan.
Ek kahawat hai jo hamare badon ne kahi hai " Kam khao gam khao " . Wish everyone happy new year 2024 & kam kriye aur paisa save kriye. ❤
I have a question, will taking more no of credit cards, and using very sensible, does it has impact on credit score
Hello Sir I like your context every time and use to watch your videos but I have a question If you can please answer that for me.
NDTV profit logo in left top corner, Why❓
I think there are many more you want to know why Adani NTDV is flashing on your video.
Thankyou sir for such informative video! I just want to add-on one thing that while opting for top-up on home loan, one need to check weighted average rate that they will be paying on total loan.
Could you please explain a bit please
2:24 which formula is used for home loan?
Should I take loan for buying a plot (Land) for long term investment???
Very informative video, thanks.
Thank you! I am a single mom, I've been thinking about investing going into 2024. I'm starting a business and am about to be financially stable enough to start putting money into the market. My biggest question before I get started is: How do I know if the stock market is too high right now so should I wait for a downturn before investing? Or what type of stocks (ETF, Index Funds, Penny Stocks, High Yield Dividends, etc.) should I buy at different turns in the market?
@sammyphon you're really doing well for yourself, my retirement plans are going down the drain. I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?
Exactly what I’m doing again this week. The smartest thing I’ve ever done was having 30% in cash to buy on the way down in 2021. It hurt watching 30-40% discounts drop to 50, but grabbing Google, NVDIA, Apple, and others near the bottom has paid off. I love the bull outlook but I’m not confident to should hold all equities
Thanks for sharing. searched for her full name and her website popped up
Thanks a lot🙏 i really appreciate. Was amazing speaking with Martha on the phone
Thank you, Mukul jee, for the insightful breakdown of bad vs. good loans! Your advice on staying debt-free is invaluable. Grateful for the financial wisdom shared in this video! ❤
Must needed topic these days
Indeed
Home loan is now a days is 10% in banks like hdfc since last 2 years
Sir credit card ko cancel karwane se cibil score kharab hota hai kya? Card ka koi liability nahi hai..plz reply
If I wish to buy land but have no money to invest but a secured job. What ways I may use to buy the property?
Is there any app which can suggest how to manage our finance and do financial planning??
Lon bank se lene ya NBFC se lene me kya different hai...
Dear sir 🙏. Sir home buying vs renting pe ek video jaroor banayiye
Hats off to u mukul Sir
Kuo ji
Sir in big trouble, cibil score down drastically and no. Of loans increasing. Please help
Please provide information about No Cost EMI. Is it good or bad. Theoretically it is interest free... Please enlighten us..🙏
No Cost EMI ka pura sach jaane: ruclips.net/video/nKGsZOumH6k/видео.htmlsi=c4p06reyWjpS4IEm
Sir ji aapne bahut mahatvpurna jankari di Thanks ❤❤❤
Mere Dada Nana Ke Time Loan Nahi Hote The Jamin Bhi Thi Dade Ghar Bhi Ye Loan Abhi YEAR 2000 Se Start Hua He WAY?
35 Lakh Ka Loan He JISME 10 LAKH bad Loan He , KYA KARE?
Sir Ji.. Wish you very Happy New year .. In. Advance.. May your channel and teachings spread more and more in 2024
Sir mera question hai
Maximum kitne loans (Good Loans) le skte h jisse Cibil score pr jyda effect na ho kyuki Kahi suna tha Maximum 3 loan hone chahiye
Valuable Inputs on Loans - but can you brief us on the subject matter - if we are talking home loans then how to close those at best possible time. Thanks 🙏
different ways to deal with this, few from my side:
1. Pay 1 extra EMI in every financial year
2. Purchase Equity of the same bank from which loan is taken on regular intervals in 1 financial cycle.
3. Purchase MF based on some research on regular intervals in 1 financial cycle
@@AmitKumar-sx6zf Thank you so much for your valuable suggestions
@@AmitKumar-sx6zf Equity or MF se loan par to koi farak nahi padega. Jitna extra EMI de denge utna jaldi repayment hoga. Uske baad investment ke options has Equity or MF. Or same bank ke equity se to kuch matlab nahi, jo achcha return de raha hai or safe hai woh le lena.
home loan interest nbfc mein 16% Tak hai example: DMI housing finance
Nyc efforts 👌
Thank you for covering all loan in one video ❤❤❤
Happy new year🎉
Sir what do you mean by if I settle my loan my cibil will be decreased? I mean is it means if anyone pays their debt before time it will put bad impact on their credit score?
@assetyogi - if my loan is “X” lakhs and I have “X” amount in my mutual fund then I don’t think it’s a good strategy to close the loan as Mutual funds grow better than loan amount assuming loan interest - 12 % reducing and MF 10 %
Emi ko pay karne ki best day kon hota hai in a month.. like first week of month or last week of month?
What if personal loan is charging higher interest rate, then what will be the best option to get rid of from it
Good information
Excellent!!!
Very nicely explain in between good lone and bad loan 😊
Sir credit card upgrade karne par cibil score decrease hota hai ya increase hotahai?
Thank you Sir. I truly learned something new today.
All depends on circumstances
Sir one question h... kya hm 1 year m 1ya 2 extra emi pay kr sakte h bank ko...jisse ki time tenure km ho Jaye
sir you make a video on what is trust & what is will
Sir loan lekar plot Purchase kare wo bad ya good loan hai.......?
Me bhi credit card use karta hun but don't use to debt its use for a daily lifestyle and your utility bills and requirements only . Jab hum apni requirement ke liye credit card ka use karenge to hum bewajah ki pareshani se bach jayenge or time to time credit card ka bills payment karna h. Me is tarike se 1000-1500 rs every month credit card walo se cashback le leta hun.
Pesa unka hi use karke unse hi pese le lo but uske liye apko due date se pahle pura credit card ka bill payment karna padega
Hello Sir, your videos are very informative, thank you for giving the information. 🙏
मेरे सारे लोन बंद हो गये अब जिंदगी मे कभी लोन नही लुंगी❤❤
Hi
Kyo
Bohat accha kabhi mat lena ab bohat buri cheese hai
Loan koi leta nahi ye kewal man ki soch hi baaki future acha hoga per hota kuch ur hai haa future me kab kya ho jayega koi nahi janta...😊
Super and good video
I have a personal loan with L&T finance. They allow prepayment (minimum 25% of the principle amount) only once in six months along with 16% prepayment charges. L&T finance doesn’t let me give few extra EMIs. The 25 % amount of principal amount is huge. Any ways to get over this ?
❤Q&A❤
We all know that in long run Indian stockmarket will grow. Then what is the need of diversification between stocks,gold, real-estate,fd,ppf etc etc.
Suppose, previously I want to make a 10lakh emergency fund and rest all money will diversify accross all assets class BUT instead of doing this if I make 20lakh emergency fund and rest all money put in stockmarket for long term then how worth is it to do this? How safe or risk in this?
If not then what is the main risk in the stockmarket that everyone should aware of this. So that everyone can diversify their money accross different assets class.
Thank you
Indranil Kundu
Kolkata, West Bengal, India
We diversify to mitigate risk. One should not put all eggs in one basket.
Ballooning repayment video pls
Very helpful video sir ji
I have taken a loan on credit card and the emi which is mentioned over there bank deduct that amount plus they also deduct tax on it. so what I need to do
Sir Thank you for your suggestions❤
Please keep it up with your new videos personal loan are home loans debt traps sir
Sir lic se maximum loan kis tarah se le sakte hai kam se kam total amount se 85%
Super.
Sir, ham janana chahte hai ki bank ka loan repayment karne pr kya charge lagta hai aur kab lagta hai?
Very good and True advice... Thank you Mukul ji❤
Superb ✨️
सर एक प्रश्न है-
अगर हम अपनी किसी Existing लोन की मासिक किश्त को कम करवायें और पीरियड Tenure बढ़ा लेें तो क्रेडिट स्कोर पर इसका क्या असर पड़ेगा??
Credit card per personal loan mila hai...
Per use per igst lag raha hai...
Kya karu ???
Principal+(interest+18 igst)=emi
aap ke samazane ka tarika bahut badiya hai
Amazing Lessons !!!❤
Igniting minds.
Hats off. ❤❤❤❤❤
Asset to thik hai but asset with Yogi .name is extremely amazing 🎉
Sir mera vidhyalaxmi portal se loan pass hua he
Kya ab mujhe CSIS through subsidy mil skti hai kya ?.....aur uskee liye kya krna hoga !?...please batayein sir ❤
Aap constancy bhi provide kar the hai kya
Bahut achhi jaankari.. I m your very old subscriber.
Dear sir
To repay home loan early, it is advisable to pay 1 or 2 EMI amount extra per year to principal amount... But instead of 1 EMI amount paying per year,can I pay that in equally small amounts per month to principal o/s amount? Will it make same impact?
Pls assist
Foreclosure of loan will effect on cibil ?
Very nice 👍
👍Great and on the point analysis 👌
Ek dum sahi bol rahe hai aap
Sir nice video, please tell me how to scale business then only possible to debt free
Mr perfectionist ❤
We should keep our mental heath at first place before running after financial health
Home loan EMI ko increase ke liye bank easy Maan jata hai or nahi?
Agar nahi to hame kya karna chahiye