Home Loan Complete Process Explained - Benefits And Eligibility (PODCAST)
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- Опубликовано: 4 окт 2024
- This video is on Home loan.
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आज तक जितने भी लोन के वीडियो देखे उनमें से सबसे बेस्ट ये वाला था 👌👌👌👌
First I want to thank the channel and then the person who has explained everything in such a simple manner.
I have a question: A person who is retired from army, Navy, Air Force he is getting a pension of almost 50-55K monthly,
- If he wants to get a loan from a bank how much % will they be getting in total ?
- Does Age effects the amount ?
Bhai bahot bahot khubsurat video he ye, detailed explained, sahi tarah se samjaya he ki sabko samaz aaye. Achchha kaam kr rahe ho bhai, sabhi pros cons hr ek aspect se samzaya he. Really appreciate 👏👏🙏 and Thanks
Ankit bhai sabse pehle toh dilse aapko Ram Ram 🌹🙏secondly maine apna college ka degree hasil karne se pehle Commerce aur Accounts main ek chapters pada tha Amortization loans or acquisitions of loans uske baad abhi bhai mein Tata main hu aur shuruat Mortgage loans se shuru ki thi apna career Tata main ek 25 page ka Citibank ka clause padhai gayi thi apna HR before project ke liye recruitment hone se pehle bhai humog 8 bande ne shuru ki thi kolkata se aur Mumbai se 12 bande 🌹🙏
बहुत ही अच्छा वीडियो था सब कुछ क्लियर हो गया... Thank you sir video banane ke liye.
Thanks for the information.
Let's say we are having 20% amount and want 80% amount loan, when do we have to pay the 20% amount, and to whom (bank or seller)?
Sir, PERSONAL LOAN per bhi Ek Podcast Jaroor Banaye!
Sir mene sbi se home loan liya 2 saal phle .
Sbi balo ne tenure bhi 20 se 27saal kar diya or emi bhi bada di or phucha bhi nahi .
Kya ye bina bataya dono ek sath bada sakta hai.
Home Loan Me EMI choti rakhne ke baad baki ka pesa prepayment me dale to jaldi khatam ho sakti hai?? Iska regular emi payment karne ke bajaye iss તરીકે se jyada bhar sakte hai kyu ki prepayment sidha mul dhan se katatata hai agar me 25,000 ke bajaye 15000 ki emi rakhu or baki ka 10,000 bachake 12 mahine me sidha prepayment karu pira ka pura to mul dhan jaldi kam hoga ispe ray de apki home loan pe.....
Very informative conversation ❤ please add about partial and pre closer of the loan, as well as how to take back mortgage documents. Thank you ❤👍
Ek q. Hai
Aapne btaya ki agar hum loan late hai to bank sabhi check karne ke baad loan deta hai to bank plot khridne par to loan deta nahi hai or agar deta bhi hai to bhaut kam hi deta hai to suggestions yhe hota hai ki aap registry apne pass le lo or construction par loan le lo
Agar registry kara hi li tab to agar seller galt bhi hai tb to hum bha fas hi jayenge na
To pls auggeT
बहुत अच्छी डिटेल्स दि सर बहुत बढ़िया मुझे बहुत सी जानकारी मिली है।
Super video .
Excellent clarity regarding the subject.
Nice explanation❤❤
Please reply:
If repo rate is increased by 0.5% then bank will increase rate in existing loan by the same percentage or they will add on their rates in that also?
Very simple easy clear podcast
Credit card ke bhi emi ke bad noc milti hai aur personal lone pay bhi please clear it all
Your both are doing exllent work......
Sir bahut ache se samjha apne😊
Bank wale khud policy nahi batate hain, ki floating kya hai or fix kya hai unko btana chaiye apne customers ko
Very very good explanation sir.
Bhut bhut acha video hai or kaafi helpfull bhi hai
Sir Thank you so much
Sahi jaankari ke liye
Outstanding awareness 👍
Your explanation is super sir🎉
There are two types 1) monthly EMI payment 2) Weekly EMI payment explain sir
आखरी की बहुत अच्छी बात की आपने 👏🏽
SMFG India home finance co LTD
Bank property ki enquiry karti hai
Please please respond me
Es bank se property loan chahiye.
Sir
Mortgage loan me pre peyment one year me kitni baar kr skte h....
Sir 1 question please answer, Mera home loan fix rate se he, to kya ab vo transfer nahi ho skta?
very good vedio and nyc explanation tq😀😀😀😀😀
This question should be asked
If I have taken loan at floating intrest
After one can be changed to fixed intrest
no aur fixed wala bhi 3 saal baad floating mein convert ho jata hai
Awesome knowledge ❤❤❤
Balance transfer ke case me 'A' bank me chal raha term plan 'B' bank me bhi chalega ya nahi
Is the property chain of 13 years should be origiinal??
Sir mero ko 25 lacs ka home loan tata capital and HDFC Bank se same interest rate pe mil raha hai aap ke hisab se in dono me kon sa lena chahiye
Please reply 🙏🙏
Hdfc se sahi h par dekho process fees kitna h dono ka prepayment charges hai ki nhi
Other session more like this 🎉
sure, thanks for commenting
Mai ek auto driver hu or rent par rehta hu, to mujhe home loan lene ke liye kis kis trah ke document bank mangega, loan lene ke liye, pls ek baar aaap poora clear krke bta do jo bhi document chahiye honege
Bhai me batata hu 1....3 year ka itr 2...jis ghar ko lena chahate hai uska kam se kam 30saal ka purana ricord
3..ek saal ka bank stetment 4....busines pruf Or adhar ,pan Or etc
i joined a company recently as a fresher and i want to take home loan to buid house on a plot which in on my mother's name.
So my question is
1) I want to save taxes and to take home.But the property is on my mother's name so can i take home loan as a co borrower to save taxes?
2) As i joined recently i don't have IT returns..so will i get the loan?
2)
सर मैं शेयर बाजार में बहुत पैसा डूब गया है 12 लाख का बैंक लोन पर्सनल नही चुका pa Raha हू क्या कर सकते हैं।
Thank You Sir, for Wonderful Knowledge!
Aplicant co application dono ko insurance ka fida hota hai tarm insurance may sir
Sir best information ❤
Isme rider hota hai disabilety low vison also
Home loan ka duration 5 years ka Lena sahi hai ya 10-20 years ka..agar fund hai mere pas 5 saal me clear krne ka
How to chech how much we paid principal and interest or how ro calculate iam to check how much principal and interest of home loan
Thankyou sir clear certain doubt
Sir there is a humble request form me... Sir please a make a vdo for legal practitioners means after completing law what job for those lawyers in bank
Waiting for your crucial response
Bahut Achha laga Sir jee ❤
please help me with one question. I'm kinda stuck. Getting no answers. It's about PMAY. I bought this house back in March-April 2022, at that time I didn't receive this subsidy as the loan provider informed me that it is discontinued. Now I've seen some notification that PMAY is extended. I contacted my loan provider and still they're saying that it is discontinued. Is it really discontinued? My loan provider is Tata capital Housing Finance Ltd.
Another question, I live in Delhi NCR, and when I was scouting for a house, I actually figured that majority of the locations where I can actually afford a house doesn't really have an MCD approved Map. (kacchi colonies) and the locations where there is a legit map for the house are freaking expensive. So, even after having a great Credit score of more than 800, I couldn't get any loan from the banks ( HDFC, SBI). So, apparently I had to eye towards NBFCs which are apparently more expensive than the banks.
Is my understanding true?
Lower interest rates are just for people who can afford a house in a good location and can buy expensive houses. Pretty strange to me.
Very nice explanation on home loan
सर मैंने sbi से 9 वर्ष के लिए प्लॉट लोन लिया है अब उसके 5 साल जुलाई 2024 में पूरे होने वाले है। अब यदि उस पर मकान नही बनाये तो
कौन कौन से लोन पर अतिरिक्त चार्ज देने होंगे।
Thanks for your explanation
Good 👍 information
We should go for perpetual bank not a government or private bank DHFL is the prime example, they defaulted on home loan disbursement to builders and ultimately home loan buyer suffered
Very informative video thanks 🙏
Home loan fix rate ya floating rate mein sahi hoga
बैक ने मकान पर कब्जा ले लिया हैं ,फिर भी बैक वाले न तो नीलामी कर रही है और
डिफाल्टर भी बना रखा है हम नया काम कैसे शुरू करें। उल्टा पेनाल्टी पर पेनाल्टी लगा रहा हैं। हमें आगे कैसे बैक से ढील करे।
Excellent video
Great Content
agar har month ki emi mai 5000 extra pay kre to mul mai se kam hoga ya interest mai hi jayega jsa ki apne btaya 12+1 wala formula
Answer my question ..
If i paid 23 lakhs of interest on my home loan for 4 years. After 4 years I got possession of my house and still the loan is going on. And interest paid in current year is again more than 2 lakh rupees. Can I claim the above 23 lakhs divide by 5 over and above my 2 lakh limit. ?
And section 80 EE can be claimed for how many years?
Home loan pr top up loan le to kitna interest lagta hai??
Superb video ❤
Sir ji bt fixed loan me nahi ho pata h mere ko to bola bank walo ne 6 month baad bt karwa denge
Thank you so much sirs for this information 🙏
Hello sir मेरे दादा जी के नाम से खतियानी जमीं है दादा जी गुजर चुके है और मेरे पापा 5 भाई है लेकिन भाई में जमीं बटवारा कागजी तरीका से नही हुआ है वैसे हुआ है की तु यहां ले ले और मैं यहां जमीन लगभग 10 बीघा है तो क्या हमे home loan ya प्रॉपर्टी agens लोन मिल सकता है आशा है sir ki आप मेरे सवाल का जवाब देंगे हम 26 हजार रुपिया महीना कमाते है ITR ke हिसाब से और हम भी 3 भाई है लेकिन जमीन सही है
Wright off kya hota hai kya ye karva ke cibil shi ho skta hai
Is medical fitness is required for term plan??
Always prefer govt bank than private bank than Nbfc.
There is still more Benifits in govt bank.
For example: If You skip any EMI in govt bank than govt bank don't charge EMI bounce charge but in Pvt bank it's abt Rs. 500- 1200 plus GST) .
2. Govt Bank charge only 2 percent maximum penal interest, in case of late payment.
3. There is no late payment (Emi ) charges in govt bank, while in pvt bank , you have to pay late payment charges.
Note: home loan generally very long term loan & It is very obvious that sometimes Emi payment can delay due many many reason than pvt bank will charge you for emi delay charges & etc.
4. In govt bank, you can pay any advance pre payment amount without any restriction but in Pvt bank You can also pay part payment with terms conditions like you can pay part payment in multiple of EMI .
In govt bank, No charge for pre payment facility availment but In Pvt bank You have to pay pre payment facility charge plus gst.
Many more differences are always there so guys Always prefer 1st Govt Bank then Standard Pvt Bank than in worst situation choose Nbfc company.
Very well explained
Very informative.
Sir BT karane se dusre bank me processing charge lagega aur insurance bhi Lena padega pls tell me
Great video
Thank you sir
Sir, personal loan main extra emi barne pe panelty lagti hai kha
Sir 24L ka home loan se 2L ka insurance Kiya ho to kya phir v family ko loan chukana padega
Employer ki balance sheet pending hai to isse loan milne me problem aayegi
Very Good information
Which is the best NBFC for home loan
Great knowledge
Very nice information thanks sir
Bandhan Bank se home lon liya he 5 lek ka 20 saal keliye to 5 saal me kayse khatam kare Ankit ji aap muje video ki madyam se bataiye aapka bahot aabhari rahuga ok sir
Ek question hai bhaiya
Abi mujhe bana banaya gar Lena hai or samne wali party ke Naam pe hai gar but wo abi insan duniya me nai hai margaya to paise kiske naam pe jaege
Plz please please reply jarur karna bhaiya
Mera 20lakh ka loan chalu h
Agar mere pas 3 lakh kahi se extra aa gye to mai bhar diya to usme mera interest katega ki principle
Please reply
Principal se Minus Hoga ,Pre Payment
Bt me intereste rate kam hota h kya sir
Joit loan me kiske naam se trem plan Lena padegaa
Ham koi plot buy k liye home loan lete h..
Fir yadi hm plot sell krte h to us condition m kya hoga
He shared only basic knowledge, also income tax section 80EE only for certain time frame, even 80EEA also there whoever taken loan between 1st April 2019 to 31st March 2022. Both sections applicable for 1st time home buyers with few more T&C and till certain time frame. Not for entire loan tenure
Nice video 👍
Very well 😊
Thank you sir for important information 🙏🏻. I have one query. My parents have taken home loan of 40 lakh before 1.5 year ago for 20 years from hdfc bank. At that time my parents didn't want the loan insurance but an agent of hdfc forced them for insurance (of 3.5 lakh for 20 years converted to loan) and told that you can close it after some time so my parents gone for insurance. Though my parents have 1 cr life insurance I don't want to continue this home loan insurance. I have contacted that agent but now he denied to close it and said it is not possible you have to pay the emi . So please guide me how can I close it or save the money of around 3 lakh of home loan insurance ?
Tq so much sir
Sbi bank ke home loan ke processing fees kya hai wo details may samjhay mujhay 2700000 lc loan ly na hai to kuch idea day jes say mayra loan jalde khatam ho
Mera cholamadalam se offer aaya h kya join karen pls reply
Mai construction me kam karta hun to better kya hoga
Mera loan mene trasfer krvaya icici i me half paymnet ho gya hai 2 emi ja chuki hai . Or abhi bhi mera 2.5 k cheque nhi mil raha kya kru
Suppose I have taken a home loan and purchased a land.
1. then property paper will be on my name or on bank name?
2. if paper on bank name, then I have to do registry again on my name to transfer property from bank to my name. what will be cost?
Registry aapka naam pe hogi bank Equitable mortgage kar lega paper , jis main stamp Duty deni padegi tabhi check mil lega stampduty depends on bank .25 to 1 % of loan amt
Bank will do the MODT certificate at starting of loan and after loan closes this MODT certificate should be cancelled
This is wonderful, a good financial educational video
Loans lene ke bad me me FD benk me kartahu to muje interest kitna mile ga
Thank you so much information
Hi sir. Thanks for this.If we want to foreclosure loan after paying 1year of 8l of total 72l. How the process will hapeen