Home loan-க்கு கட்டின EMI எல்லாம் காணாம போயிடுச்சு !!! ஆயுசு முடிஞ்சும் EMI கட்ட வேண்டும்!!!
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- Опубликовано: 9 сен 2024
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ஆனந்த் ஸ்ரீனிவாசன் அவர்களின் டெலிகிராம் பக்கத்துடன் இணைய, கீழே உள்ள இணைப்பைக் கிளிக் செய்யவும்: t.me/moneypech...
பொருளாதார செய்திகள் மற்றும் பங்குச் சந்தைகள் குறித்த செய்திகளை உடனுக்குடன் தெரிந்து கொள்ள
moneypechu.com இணையதளத்தைப் படியுங்கள்.
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எங்களிடம் நேரடியாக ஆலோசனை கேட்பதற்கு, இணைப்பைக் கிளிக் செய்யவும் : anandsrinivasa...
எங்கள் பிற RUclips சேனல்கள் :
Be Rich - (In English) / @berich467
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மக்கள் பேச்சு - Makkal Pechu - / makkalpechu
உங்கள் பிராப்பர்ட்டி - Ungal Property - / @ungalproperty7102
Paisa Boltha Hai (Hindi) - / paisaboltahai1
புத்தகங்களை வாங்க:
ஆனந்த் ஸ்ரீனிவாசன் அவர்கள் எழுதிய புத்தகங்களை நேரடியாக எங்களிடம் வாங்க,கீழே உள்ள இணைப்பைக் கிளிக் செய்யவும் :
rb.gy/joptqf
ஆனந்த் ஸ்ரீனிவாசன் அவர்கள் எழுதிய புத்தகங்களை அமேசான் கிண்டிலில் வாங்க.
-----------------------
பணம் எனும் மந்திரம் (தமிழ்)
www.amazon.in/....
சாதாரண பங்கு அசாதாரண லாபம் (தமிழ்)
www.amazon.in/...
Ordinary Stocks, Extra Ordinary Profits (English)
www.amazon.in/...
Alchemy Of Money : (English)
www.amazon.in/...
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Anandh sir be like : Goa porthuku badhila oru 20itc share vangalam
அதுக்கு மேல கூட ஷேர் வாங்க முடியும்.
நான் 5 வருடம் முன்பு land லோன் வாங்கினேன் hdfc Ltd ல, 12,000*60 மாதம் 7,20,000 கட்டி இருக்கேன், total 180 months (15years) loan, நான் 60 மாதம் emi கட்டி இருக்கேன், ஆனால் என்னோட login ல போய் பார்த்தால் 31 emi தான் காமிக்குது, 29 emi என்ன ஆட்சுண்ணு தெரியல, கேட்டா rbi interest rate ஏத்திருக்காங்க ன்னு சொல்றாங்க, இப்போ 11% interest irukku.. நான் peraonal லோன் ஆக வாங்கினால் கூட 60 மாதம் முடிஞ்சி இருக்கும்...
6:13 Keshav: Adhani kadan vaninaru athuku evlo interest, Sir: Athu Free😂😂, out of syllabus question kekakudathu🤭
🤣🤣
😂
Hats off to Anand sir to explain financial events in layman language and big hug to "yellaam punrinja maari ye nadikkum Kesavan bro" 😂😂
Hi..sir
என் வாழ்க்கையில் பல மாற்றங்களுக்கு நீங்கள் தான் காரணம் thank you sir ❤️❤️
எப்படி sir என்ன மாற்றம் சொல்லுங்க
Same here boss
@Moneypechu574 what you mean that
Yes me 2
Yes. He has changed my life also ❤️❤️❤️
நல்ல மாமனிதர் என்ற சொல்லை நிருப்பிக்கும் நேரம் இது நீங்கள். தரும் பதிலை எதிர்பார்த்து காத்திருக்கும் உங்கள் வாசகர்
. சரியான நேரத்தில் சரியான பதிவு நன்றி மணி பேச்சு
Excellent contents Keshav and Anand, good screen play and dialogues...hilarious episode guys. Stay blessed.🙏
நீங்கள் போடும் அனைத்து தகவலும் மக்களுக்கு விழிப்புணர்வை ஏற்படுத்தும் ❤❤❤
As far before following your channel, the content you are telling was made as a meme and my perception was different , but now after following the channel and book i can relate many things, understand and gain knowledge related to finance. This also helps me to thing about what are real wants and what are all unwanted wants and what actually should be valued and how to treat the money which we have.
thanking you ANAND sir!.
Ippave Kanne Katudhe ... Loan: 1 CR , EMI:74,557
Interest - 6.5%
Tenure: 241 months (20 Yrs) & InterrestAmount(79L)
Interest - 8.5%
Tenure: 425 months (35 Yrs)
Interest - 8.9%
Tenure: 711 months(59 yrs)... Soli mudinchuchu
Total payable(P+I) Rs,😇🙄
6.5% Rs 1Cr 79lak
8.5% Rs 3Cr 16lak
8.9% Rs 5Cr 30lak
Epdi picha edukurathuku rental house la valnthtu poidlaam 😂
ஐயா ஐயா ஒருவேளை பிக்ஸட் எடுத்து இருந்தால் எந்த பிரச்சினையும் இல்லையா ஐயா
ஐய்யா வணக்கம் Lic பத்தி தகவல் சொல்லுங்க
குருநாதா! மிக்க நன்றி. போன வீடியோல லோன் கட்டிக்கொண்டு முதலீடு செய்தால் ஓட்டை படகில் பயணிப்பது போலன்னு சொன்னிங்க. உடனே மியூட்டுவல் ஃபண்ட்ட வித்து வீட்டு லோனை முடித்து விட்டேன். கணக்கு பாத்தா 40 லட்சம் லோன்க்கு மொத்தம் 61 லட்சம் கட்டி இருக்கிறேன் 100 மாதங்களில். இன்னும் வச்சிருந்தா வட்டியே போயிருக்கும். மிக்க நன்றி 🙏
இந்த type of coversation நல்லா இருக்கு. பல செய்திகள். 👌
When interest rates go down, the term will also go down. Its just cyclical. I took home loan in 2013 when it was 11%. When interest rate went down to 7% my term reduced. Now it increased a bit. Again it will reduce in coming years. On a longer term there is nothing to be panicked about. Home loan is always safe as salary keeps increasing annually and interest rate is cyclical.
Many are commenting to take fixed interest home loan. That's not a good idea. In 2013 floating rate was 11% and fixed rate was 13-14%. Floating rate generally correlates with inflation and over 20 year period, there is a high chance it will be better than fixed.
Banks increase interest rate very fast. But they take their own time to reduce when the interest rate goes down. In my case they have taken months to reduce.
@@dominicprakash8948 Since 2019, we changed from MCLR to EBR. So passing of hike or reduction is quicker than before and its automatic. So there is no need to apply for a lower interest rate. If you feel reduction is slower you can visit the bank and check with them. If they are not following the rules as per MCLR or EBR, then its cheating.
@@cyclopes968 thank you and appreciate the information. I was not aware as I closed my home loan around 8 years ago.
Today's excellent performance sir 🌻💐💐💐
Its not only bank mistake, ours too...
Taking loans at Fixed interest when rates are lower & Floating when rates are higher is a smart choice...
Its not that easy..
@@jegankrishna3712 Its not that hard...
கோவா tour வெற்றிபெற தலைவர் கேஷவ் அவர்களுக்கு வாழ்த்துக்கள்..... ❤️
Y we should buy stocks in tiffen coffee range
Are u a paid account by Keshav?😀
Vera lvl name🤣🤣🤣
..
@@JaiDinesha ama nenaikura yella vedio la yum same comment
Fixed interest rate options are not available in many banks. Some banks avail this with higher interest rate
WTF.. 😂😂 I didn't take any home loan.. this episode was hilarious 😂 😃 😄 😁
Correct than.. but one doubt..
Ipo antha veedu 1cr na innum 20 yrs la land value itself 1cr kuda aga vaipu iruku..
Also ipo kaatra emi inum 20yrs la namma pocket money ah than irukum..
So veedu ipo vangrathu ok thana boss...
Very important advice Sir. I also say the same to few of my friends not to fall in this trap. But most of my friends buy this home loan for prestige issues and peer pressure.
எங்களின் ஆண்டவரே நமஸ்காரம்..🙏🙏🙏
ஆனாலும் அந்த காக்கா உஸ் சூப்பர்
நன்றி அய்யா எனது சந்தேகம் தீர்ந்தது😊
9:44 😂😂😂😂
9:34, 9:44 🤣🤣
Sir indiya porladara medhai enna pannaru in upa1 and 2. Look at the interest rate that time and now. So harvard great knows 2 things 1. Housing interest 2. Import gold duty. U pl come out of congress and talk. Else it backfires on u. Also how reliance got favouritism in 1980s. Do u know who is Balu. Pl chk and then talk sir.
Floating rate of interest thaan ellaa bank laiyum tharaanga. Therinji thaan loan vaanguraanga. Loan vaangumbodhae 30 years tenure pottuuttu, emi kammi yaa irukkaa maari paatthukittu, konjam amount every month principle adaichittu vandhaa loan seekkiram mudiyum. Unga veedu rent out panni irundheenganaa, rental.income um.ungalukku udhavi yaa irukkum. every year neenga rent yaetthuveenga, andha additional.amount innum seekkiram loan close.panna udhavum.
அதானிக்கு free.. 😁😁😁😁
Ama sir ama, Interest mela interest pottu saavadikiranga…plot loan than vaangunen..
Sema kaduppa irukku
நல்ல தகவல் வாழ்த்துக்கள்
April 1 Demat Account open pannuren nu sonninga Kesavan
But April 1 April Fool panna ma irruntha seriiiiii.....😂😂😂
Nee modhala open pannu da.
@@yaswanthkumar7505
Na already account vachi irruken
Yaswanth do you have any problem with me
Brooo entha Brokerage app la open panirukinga???
Zerodha ,ind money ethu Bestah erukum?
Ethula Expense ratio Kami????
@@santhoshraj6085
Bro I'm using Groww
For starting stage of investment
I preferred no account opening charges and AMC
Now I'm going to open in money pechu team ie.chola co. Demat
Sir, Thank you for the insights. But considering the calculation after repo rate is decreased in a couple of years which will automatically decrease the period. Could you please provide insights on this as well.
Unakku 10%
Enakku 9%...
Adanikku 0%... Semma
Sir. Ungaloda endha video pakkum podhu . Home loan vangunavangaloda . Nelamaa ???
Anand sir & Keshav thanks for making one of the best video with right message for the audience. Appreciate the entire team for quality editing and contents.I’m one of the regular follower of most of your video and you have definitely helped to improve my financial literacy !
There is a case study which happened in 1997 financial crisis in HK. When the bank interest rate increased beyond a limit the home buyers in bulk handed over the houses to the bank. The bank got struck with cash and assets. Because the price of the properties also went up so high.
That won’t happened in india, we are too emotionally attached with houses
@suresh kumar in this crisis there's high chances to return homes to bank
@@jaisuriya8055 You mean current crisis?
Why price also went high?
@@ramachandransankar750
Example: 1000+8%=1008
1000+9% =1009.
When interest hikes the payment also increases including balance payments considering same fixed tenure of repayment.
That’s why it is recommended to pay at least 1 month extra of EMI every year so as to reduce the overall payment. (Instead of 12 months, it would be 13 month)
The interaction between elder and younger is very good to watch. Keep this jodi intact
வீடு இல்லாதவர்களுக்கு இந்த செய்தி மகிழ்ச்சி அளிக்கிறது
solution is very simple. pay a little extra every month. if you were paying 73k, pay 10k extra i.e. 83k from now to keep the loan tenure as 20 years. in this way, RBI's objective of reduced money circulation is achieved and the loan taker too escapes from the lifelong burden.
உங்கள் நிகழ்ச்சி நன்றாக அனைவரும் புரியும் படி உள்ளது வாழ்த்துக்கள் .
Home loan Interest rates during 2013 (UPA government) was around 10.5%.After demonization by Modi in 2014, it reduced drastically to 6%. Now it slowly regained 8.5 (Post covid). Which means after 9 yrs, only 2.5% is increased and still not touched to 10.5% during the UPA government. In the meantime, US FED has increased their interest rates from 0% to 4.5% within the span of 2 yrs. But, our interest rates were increased by only 2.5%.
The solution is to increase the EMI amount by 10% which will drastically reduce the balance number of months or pay the amount in bulk one time each year which will drastically reduce the amount of interest paid.
Well said
Super sir. how to get this information
Nenga solradhu dha out of syllabus..
Bro yepudi pathalum onnum dhane EMI duration reduce panalum loan vangum podhu irundha total amount ah Vida interest rate increase pananala adhiga amount pay panra Mari dhan varum
Ohh is it that much easy to increase emi by 10 percent per month 🤦
Arummai .... Arumai.... Veedu vasngatheeenga pa..... Veeduvaaangatheenga....
1. Housing loan availed people all are suffer for the time being , .but will it be reduced right after a year or two.,
2. All these federal and economic policies makes the market as consumerism., Means only to spend not to save.,.
I don't understand how the tenure period increases so much keeping EMI same when interest rate increases by decimal
Prime காக்கா : ஒருவேளை எல்ஐசி யா இருக்குமோ 😂😂😂😅😃😀😄😂
SBI 😂😂
All banks
😂
@@ganeshpondy1 SBI is correct
Super combination
சவுக்கு ஷங்கர் மாதேஷ் மாதிரி..
fantastic video as usual Anand sir..
Kichaa inng😂🎉 9:40😂😂😂
Keshav bro when you open demat account. I already opened, so open fast ok because I want to know how your stock market analysis are. And which brokerage did you choose bank or apps (full time brokerage or half time brokerage) ?
என்ன அது... goa குழந்தை... யாராச்சும் background சொல்லுங்க
Subscribe panniyachu 🎉enjoy goa trip
But boss, when the interest goes down in the next two years, it reduces. So Mr AS don't make an ass out of this.
Peasam rend la iruthudalam pola
Interest rates will go down in 2 years. Things will be normal after that
அண்ணே ஸ்டார் சொல்றப்ப தயவுசெய்து subtitle மறக்காம சொல்லுங்க
Veetu EMI furniture ah salli salliyaa norikkittaaru...
Kojam apidiya Education Loan la pathi pesuga bro?
Although price is very high in USA, still interest rate is still fixed. Hence the housing market price goes up when interest rate is low, vice versa. Please ask Anand sir to speak about this difference.
Thank for bank loan awareness news
1 Ounce is 28.3495 Gram.
Podraaaa thambi Keshav ku like ah.. intha week subscribers 10l vanthudum thambi. Naan 1000 Subscribers ku guarantee.
லோன்லே வீடு வாங்குவோம் என்ற நினைப்பே போயிடுச்சு
If the loan is linked to repo rate then EMI or tenure will go up when there is a rate increase. Two options to reduce the interest burden, 1. Make part payment 2. Increase EMI amount as much as possible. Else move to a bank with less interest and which provides OD option so any extra money can be parked there to reduce interest. It takes only a few minutes to calculate amortization schedule using online or Excel calculators. The video is mostly for taunting RBI and common people who took loans.
Enta Iruka Ella Google account la irundhum subscribe panren pa, jolly ah Goa ponga
Sir intha solution mattum varattum 1 enga 2 million ah straight ah reach panniralam 🎉
None of them offerer Fixed rate of interest, only floating available They know interest will increse and able to do swallow public monet and manage govt and they dont know how to generate revenue.
நீங்க சொல்றதைப் பார்த்தா துணிவு படம் மறுபடியும் ஞாபகத்துக்கு வருது 😮😮
Keshav and anand sir... Vera level combo ❤️💯
This question is for Mr. Anand; more like a request. Sir please do a video on inflation, interest rates... Who, in your opinion, has been the best RBI governor so far? And also the best Fed Reserve Chairman. Taleb thinks very highly of Paul Volcker. Please do a video on that topic.
அண்ணா ஒரு கேள்வி லட்சகணக்குல வீட்டு லோன் வாங்கினாலும் இதே மாதிரிதானா.. இந்த கமென்ட்ட படிச்சா அடுத்த வீடியோ ல பதிள் சொல்லுங்க ப்ளீஸ் னா
SO ALL other RBI governers earlier never raised INT RATES IN INDIA.
Floating na Mela interest yethuna automatic ah namakkum yerum. Aana mela yerakinaangana namakku automatic ah yerangadhu. We have to pay a service charge to reduce our rate
❤
Nan vachi irruka 3 Gmail la irruthu subscribe panita.. thaliva 🤭
This is the best awareness video from this combo. Thank you, I dropped the home loan plan😊
I have an request to all viewers. Please see all their videos and listen carefully it will help to avoid wasting of our money
Solution at 11.47 is repay loan quickly. That is to increase ur EMI or pay whenever u get any bonus or increments
Ivlo solraaru but he's wearing Ralph Lauren shirt which could cost upto 10,000. Paathukonga
Floating intrest Rate மிதக்கும் வட்டி bro..
Please give summary of the video in description or allow summary in comments..
I have bought from Bajaj Finance starting from 6.65% currently increased to 9.15%. What i do sir?
In agreement ( green Sheets) they mention floating interest rate, Most of the loans will be linked to floating interest rate.Its not secret they mention it, u can ask them to translate.
Subscribed in my wifi mobile but she doesn't watch keasu
Same time entha problem la solve aanathu intrest rate decrease pannuvanga apo months koraiuma koraiyatha
Enakkum athye nelamai than sir.... 147 la irunthu 130 kku vanthen.. ippo thirumba 142 kku vanthruchu.. so sad..
Personal loan la yum RBI la interest rate ethna bank la nama tenure increase panuvangala??
அந்த Out of syllabus கேள்விக்கான பதில் கேட்கும்போதே அடைக்குது...ஆனால் சிரிச்சுக்கிட்டே கேட்டுக்கொண்டிருக்கிறோம்....
Hai k7 I'm waiting
Sir i have taken a fixed rate for a 15 year tenure for 26l loan. now they have extended the tenure by another 4 years. Already paid over 50 lacs. LIC is totally behaving irresponsible. I have completed 15 years already.
Who gets large amount loan in floating rate when interest rates are very low and economies were in pandemic mode?
Thank you sir good information bank loans pakkame pogamattan
6:10 EPIC😃
My favourite financial god Mr.srinivasan sir
Hi Sir, I'm following you since 2020, As per your advice I haven't take any loan. But my family pushed me to buy a house using loan but I refused taking home loan, I tried to convince them, also shared your videos, but somehow on their compulsion I bought a house last month. I spent my savings 20L and taken housing loan for 30L. I know, I'm doing wrong and getting into a big trouble, but none of my family members hear my words. Now my family is happy about new house but I'm not happy.
Buy stocks and sell it .and close loan
30 L how much emi or tenure increased now?
@@bharathirajapalanisamy3374 350 months
Your family decisions is good. Don't get tensed with this videos
So sorry for u bro
9.50mins yov editor uh🤣🤣pichuteenga ponga😍😍😍.. Great way to learn
Thank you so much for your Great advice, recently I closed my personal loan now I can interpreted of your valuable words, I ll never ever go for loans.
Knowledge+ stress buster= K7 video 🤣
Eppudra 😂
Exactly my situation is same.. what is ur suggestion sir? Can we sell the house and close the loan or return the house to bank itself? Your valuable suggestion pls
Antha house ah sales pannitu...antha kaasu la loan ah aadachitta simple la mudichurum
வில்லங்கத்துக்கு வா தலைவரே சூப்பர் 🙏💐🤝