✅To Consult Bhaven, CFP for your personal financial planning, click on the below link wa.me/919004789500?text=consultation%20details ✅ Or WhatsApp on - 9004789500
This is baseless comparison. If the second guy is not buying a car he will be using some other transport facility and that won't come for free. Office cab facility is limited to official use. For personal usage other means of transport will be required. If u are taking an example of a corporate employee with office cab facility which means he is definitely at some mid level role. Earning at least 12lpa + in that case he won't be using public transport for personal use. He would prefer a cab/uber. His personal trips would cost something please include those in ur calculations. Plus the comfort of having ur own car is incomparable to a cab/public transport. U might keep ur car clean but the cab might be old and smelling bad, poor quality interiors since it is used by 100s of people daily. The joy of listening to music at your preferred volume cannot be experienced in a cab. Have u ever owned a car that u are even making this comparison. Own car even a small one is anyday better than any public transport. Everything cannot be calculated in money terms bro Anyways keep making such videos and discourage people to own a car. Then only we car owners will continue driving peacefully on whatever roads are left for us. We existing car owners are driving at the cost of other people (who can afford a car) not buying cars😂
Before covid I bought alto k10 vxi model at 450000 with 100% financing from bank..I had 1 lakh rupee at that time but I didnot give any downpayment..I invested that amount in pharma company during covid and sold in 2022 with 8 lakh in hands..car free ho geya..
According to ur table 15lpa ctc wale ko 4.4l ki car leni chahiye jisme Alto bhi nahi aati...ye sab rule kuch saal pehle tak fit honge aaj ke VikSHIT bharat nahi apply hote ..
Every thing cannot be measured in term of money, what about the experience of owning a car, the comfort you get by having your own car you are flexible you can travel where ever you want. I think buying car on emi is not a bad thing if you are calculating your income and make sure you can pay emi on time.
Also why should someone with 30lpa get a 4year loan and buy a 9lakh car. Loan is a trap so why should someone get to it and that too for 4 years. Such a scap rules and also why I am I watching 🤦
According to your Video jiski income 60K hai toh vo 2,86,919 Rs ki car hi le 😂😂, Jara aap bata dijiye Financial Planner ji , ki konsi Car ayegi 2,86,919 Rs may 🤐
@@abhisektripathy92 meri hi income 60,000 thi Lockdown may aur maine bhi SIP aur SWP se Free may hi padi Car vo bhi Ertiga , toh enka plan batane ka thoda ulta hai , ab maine bhi Sirf Mutual Fund may investment karke hi Ye amount ka 5 saal may Car free bhi kar li aur vo SIP + SWP ki value aaj 80 Lakhs + hai
Logical bolo bhai... 1 Lakh 20 hazar monthly kamane bala 6 lakh ki gadi lega ? Kya fayda pesa kamane ka phir... Pesa kamao aur invest karo ye hi life hai kya?
Agr cash hai toh Car full cash pe lete emi wale amount ko i.e 17500/- SIP me daalte 12% se bhi grow krta to 14.5lakhs hote hein… itna drama kyu hi krna
in my opinion don't take education loan and don't sell your land too.. today what you spend on education will not give a good pay job.. so try not to fall for this trap.. becoz you and your kid will be under pressure to repay the loan..try joining Infosys if possible they sponsor the education but you have to work for certain years in the company.. which would be a win win position for you.. kid earns and complete higher education with out loan.. you save the land bought I hard earned money
Hi mai yana chahata hung ki mai 15 of months ko salary maita hung. Maire pas pahelese 10000 hajar ka SIP karta hung. I think har mahine 10 Tarik go SWP karke pesa nikaling or bhatme selary aneke bat 15/16 ko 20000 hajar ka SIP kardung. Asa ho sakta hai kya.
What about daily expenses for traveling to work , weekend outings with family , and twice a year vacation trips ? City public transport is not suitable to everyone. Minimum 5k will have to be spent on daily travelling+ weekend=60k per year it is less than interest you will pay for a car loan. Can we depend fully on ola, Uber, in cases of emergency. What if you have aged parents with limited mobility ? Car is a necessity in today's time, but yes, one should not overstretch and take loan responsibly and do proper financial planning. Buy only what you can afford. People think of cars as a status symbol rather than just a machine in which you can travel from point A to point B.
Why inflation is not considered, a new car today will cost higher like after 4 year 10% inflation is considered. After 4 year we have to spend more money to buy same car so giving that much high amount it is better to give 9% interest on loan. And left amount can be invested in mutual fund if it gives 14% return. We are in no loss.
Sir I purchased a car of 14 L and made 8 L down payment and 6L loan at 8.9% for 3 years. And made an FD with the same bank for 3 years amount to 8 L. Sir will this option be good .
Bekar decision h bhai isse acha cash pr gaddi utha lete zadda fayda hota Practically socho FD ke baad bhi tumko 1-2% interest dena pad rha h aur tumhare hath me paisa bhi nhi h kuch emergency hui cash ki need hui fir ghumte reh jaoge paiso ke liye FD tutvaoge aur lose khaoge Do hi option best h yaa to cash gaddi lelo yaa fir tumhare pass total 16L hi cash h to bakki 8L savings account me rakho Aur ye chutiye log kabhi nhi btayege bhale hi 5 saal baad tumhare 14L wali gaddi 8L ki reh jayegi lekin agr 5 saal baad tum same gaddi lene jaoge tab tumko vo kam se kam 16-17L ki padegi btao fir kya kroge
@@anshumanbansal7300 bhai aapko jaankari Leni chahiye. Reducing loan hota h ye iska 3 saal m total 88000 interest Jayega. Aur FD ka total 3 saal ka compound 1.30L interest ka aa jayega bansal ji. Baniyo par doubt mat karo sarkar.
@@raghavbansal3871 bhai tumhare baniye hone pr sach me doubt ho rha h loan tumne 6L ka lia h aur FD me 8L dale h, of course FD me interest amount zadda milegi ek bar 6L ki FD ke according calculate krke dekho fir bolna
@@raghavbansal3871 bhai mjhe to sach me tumhare baniye hone pr shak ho gya h tumne 6L ka loan lia aur 8L ki FD kri, of course tumhara interested amount FD ka hi zadda ayega ek bar dono values ko same lo fir calculate krne btana kaha fayda hua aur kaha lose
car lene ke baad uska utilisation cost not considered...one who didn't invested, he /she always used public transport...so always experienced dhaka mukka...upar se...5 years future ki baat ho raha hain... seems not very logical...
Bhai kam se kam percentage to badhao is mehangai me, 1 Lakh per month salary ko 8 to 10 Lakh ki gaadi purchase karni chahiye. Aap k hisab se home kitne me build karna padhega,,,Thoda soch badlo Sirji...
What nonsense. Itna valuation ka car milta he nahi h. Aise calculation se toh koi le bhi nahi payega jiska Kam income ho.. baseless calculation. This rule is bullshit
@@focusstudyassam3511 mat le bhai bahut log nhi lete car, car ke bina mar thodi jayega. Paisa bacha ke rakh bure waqt me kaam aayega aur bure waqt me car ki jada dikkat ho to cab kar liyo.
2.8 lac me kaun si gadi mil rhi h please tell me. Jiski salary 1.2 lac per month h vo car loan kyu lega saving karke pura cash me le lega kya vo saal ka 8 lac nhi saving kr sakta kya. Tum to aisi financial advice de rhe ho admi kabi life me kuch le hi na paye. Note- Be careful from झोला छाप advisor.
Bhai tjhe logo ko paise dene chahiye teri video dekhne ke liye 1% bhi koi sense nhi tha puri video me aur please mjhe btao esi konsi gaddi h jo 5saal me 70% depreciate ho rhi h??? Auro industry ka inflation pta h??? Aur jo tumne trick btai businessman log us trick pta nhi kabse use kr rhe h bss vo apna paisa kisi aur company me invest krne ki jaga apne kaam me invest krte h Bhai bss ek request h channel band krde Agr tere jese log bhi khudko coach bol rhe h tab to ho gya is desh ka bhala.
✅To Consult Bhaven, CFP for your personal financial planning, click on the below link
wa.me/919004789500?text=consultation%20details
✅ Or WhatsApp on - 9004789500
Tum Bhai band kar doo channel 10 lakh ki gaadi k liyé 10 lakh ki fd leke aaye
This is baseless comparison. If the second guy is not buying a car he will be using some other transport facility and that won't come for free. Office cab facility is limited to official use. For personal usage other means of transport will be required. If u are taking an example of a corporate employee with office cab facility which means he is definitely at some mid level role. Earning at least 12lpa + in that case he won't be using public transport for personal use. He would prefer a cab/uber. His personal trips would cost something please include those in ur calculations.
Plus the comfort of having ur own car is incomparable to a cab/public transport. U might keep ur car clean but the cab might be old and smelling bad, poor quality interiors since it is used by 100s of people daily. The joy of listening to music at your preferred volume cannot be experienced in a cab. Have u ever owned a car that u are even making this comparison. Own car even a small one is anyday better than any public transport. Everything cannot be calculated in money terms bro
Anyways keep making such videos and discourage people to own a car. Then only we car owners will continue driving peacefully on whatever roads are left for us. We existing car owners are driving at the cost of other people (who can afford a car) not buying cars😂
agree
Very well said
I agree with you ❤
He's not discouraging buying a car but encouraging how to buy it n make it free with proper swp withdrawal plans etc
Before covid I bought alto k10 vxi model at 450000 with 100% financing from bank..I had 1 lakh rupee at that time but I didnot give any downpayment..I invested that amount in pharma company during covid and sold in 2022 with 8 lakh in hands..car free ho geya..
Wow super
@@raghavbansal3871 Thank you..
What is the name of this pharma company?
Umm, i guess our well known "Laxmi cheat fund" am'i right??
@@souravmridha9719 its laurus lab.If you donot know stockmarket then you should satisfy yourself by taking cheat fund name..
Same mere pass 6 lakh hai 15 lakh ki car Li 90% loan aur unh 6 lakh se he emi jari hai 😂😂
This rule is totally impossible. Then no one able to buy a car
Backwash rule h
True
According to ur table 15lpa ctc wale ko 4.4l ki car leni chahiye jisme Alto bhi nahi aati...ye sab rule kuch saal pehle tak fit honge aaj ke VikSHIT bharat nahi apply hote ..
Mene 2019 me scorpio li thi 11.30lkh me ab 2024 me 17 lakh me pad rahi
But apke Scorpio aur av ke Scorpio se compare hoga
Bhai kis calculation pe 60k 5 yrs me 9.5%interest pe 12Lakh ho jatr hai??
Not possible
😂😂😂
Sahi bola ye log sabko Pythagoras calculation Sikha rha 😂😂
Wah sir ji bahut jabardast 🎉🎉🎉
Bhai mere car he to imarjancy me kahi bhi ja sakte he kishi se mangni nahi padati or ham amne timing se kahi bhi ja sakte hr
Every thing cannot be measured in term of money, what about the experience of owning a car, the comfort you get by having your own car you are flexible you can travel where ever you want. I think buying car on emi is not a bad thing if you are calculating your income and make sure you can pay emi on time.
Sahi Bola Bhai
May I know your age? This was exactly my thoughts 20 years back. Now I am 47 and complety agree with this video.
Absolute scrap ,30lpa person can afford ~9lakh car (which is worst possible choice in safety standards)
Also why should someone with 30lpa get a 4year loan and buy a 9lakh car. Loan is a trap so why should someone get to it and that too for 4 years. Such a scap rules and also why I am I watching 🤦
Kaha pe invest karna hai sir downpayment ka baad k paisa
Then we should go for second hand car....because for quote which your saying we don't get car at all
According to your Video jiski income 60K hai toh vo 2,86,919 Rs ki car hi le 😂😂, Jara aap bata dijiye Financial Planner ji , ki konsi Car ayegi 2,86,919 Rs may 🤐
They should not buy a car at this income level. Car is beyond their reach. Should focus on increasing income and then buy car as per the same rule
@@abhisektripathy92 meri hi income 60,000 thi Lockdown may aur maine bhi SIP aur SWP se Free may hi padi Car vo bhi Ertiga , toh enka plan batane ka thoda ulta hai , ab maine bhi Sirf Mutual Fund may investment karke hi Ye amount ka 5 saal may Car free bhi kar li aur vo SIP + SWP ki value aaj 80 Lakhs + hai
Toto kharid sakte hain 😂
Logical bolo bhai... 1 Lakh 20 hazar monthly kamane bala 6 lakh ki gadi lega ? Kya fayda pesa kamane ka phir... Pesa kamao aur invest karo ye hi life hai kya?
Mat kharid kaun force kar rha hai@@SuperKnights-Gaming
Mujhe ek belero pickup Lena h ...20000 par month kamata hu ...plz hepl
Agr cash hai toh Car full cash pe lete emi wale amount ko i.e 17500/- SIP me daalte 12% se bhi grow krta to 14.5lakhs hote hein… itna drama kyu hi krna
😂😂
car full cash mai lete to sip ka pasia kaha se aata 10 lakh to khtam ho jate
Very Informative...thank you
Sir SWP par every month stcg tax lagega.
Bhai aap kuchh bhi baseless gyan de rahe ho. Matlab india me 30 lpa wala 15 lakh ki gadi bhi nahi khareed sakta..
Bhai 2.86L m konsi car aati h
Teacher is right govt salary nhi deti. Koi bhi 10 months ki salary hold krwa sakta hai kya chahe job govt ho ya private.
Bnro please explain the logic of the rule. Then only we will be motivated to follow it.
Salary 40k car 14 lakhs😎
What about the tax on capital gain earned in SWP???
Sir महिने का 15000 सेलरी है तो कोनसी कार लेनी चाहिए
Enke video ke hisab se Cycle loan me le lo bhai 😂😂
Bai hum 21 lakh ka car loan lega sochi raa hai down 8 lakh payment karga for 7 years keliye hai toh usko kya karne se hoga ..
With 20L package you offord only Alto topend model😅
😷
Technically
😂😂😂
😂
🤣🤣🤣🤣
Koi fix income na ho to kaise kya kare, construction work hai is year me 2 makan bana kar sale kiye aur last year kuch bhi nhi kiye to kaise kare
Kitna paisa kamaya
Market is risk management game jisne risk manage kiya hoga vo abhi buy kar k chalega aur uske pass paisa bhi hoga like Warren Buffett
Misleading video bro…
Should I take education loan for my son's college or sell a plot which is showing appreciation of 15% per annum?
Please answer.
Great question sir
in my opinion don't take education loan and don't sell your land too.. today what you spend on education will not give a good pay job.. so try not to fall for this trap.. becoz you and your kid will be under pressure to repay the loan..try joining Infosys if possible they sponsor the education but you have to work for certain years in the company.. which would be a win win position for you.. kid earns and complete higher education with out loan.. you save the land bought I hard earned money
@@akshithhegde3985 useless advice.
I was wondering ki kaunsi aisi investment scheme hai jo guaranteed 9.5% return deti hai, without and risk factor.
Gold biscuit but wait for some time
How does 60k become 12L in 60 months?
my monthly Income 30000 i bought alto k10. monthly emi 7k
Main 1cr se loan close kar du ya swp se Karu please guide
Hi mai yana chahata hung ki mai 15 of months ko salary maita hung. Maire pas pahelese 10000 hajar ka SIP karta hung. I think har mahine 10 Tarik go SWP karke pesa nikaling or bhatme selary aneke bat 15/16 ko 20000 hajar ka SIP kardung. Asa ho sakta hai kya.
Bhai agar kisi k pass already 10L hai to wo in sab chakkar m kyo padega
What about daily expenses for traveling to work , weekend outings with family , and twice a year vacation trips ? City public transport is not suitable to everyone. Minimum 5k will have to be spent on daily travelling+ weekend=60k per year it is less than interest you will pay for a car loan. Can we depend fully on ola, Uber, in cases of emergency. What if you have aged parents with limited mobility ? Car is a necessity in today's time, but yes, one should not overstretch and take loan responsibly and do proper financial planning. Buy only what you can afford. People think of cars as a status symbol rather than just a machine in which you can travel from point A to point B.
Return 8.5% inflation 12%
Bhai 14 lakh par jo captain gain Tax dega uska? Kuch bi bol rahe ho..
Bhai agara market down gaya paisa kam bhi hota hai main yeh soch ke paisa invest kiya tha 2 sal ho gaya 20k jada mila hai only 😊
Superficial explanation
Why inflation is not considered, a new car today will cost higher like after 4 year 10% inflation is considered. After 4 year we have to spend more money to buy same car so giving that much high amount it is better to give 9% interest on loan. And left amount can be invested in mutual fund if it gives 14% return. We are in no loss.
Best video for car purchasing
Mere pass 1cr ka loan hai uski emi 1/27 lac hai ab meri ek property sale Hui hai
U mean investing 8lakhs on shares on sip?
I got 7.25% car loan in covid
Bhai information to bahut achi lagi per ye batao ki jo car prices aap bata rahe ho itne car kaha milti he muje bhi leni he😂😂😂
Paidal chaloge kya
Car nhi loge to
Car is a necessity now a needs not luxury. A person who earns 12LPA can atleast afford 9L rs car without any financial problem..
Please tell, where we should invest?
Sir aap ko SWP karke 1 lack ka profit hoga, but tab tak 10 lack ki Car ki Price bhi at least 1 lack se increase ho chuki hogi.
Sir I purchased a car of 14 L and made 8 L down payment and 6L loan at 8.9% for 3 years. And made an FD with the same bank for 3 years amount to 8 L. Sir will this option be good .
Bekar decision h bhai isse acha cash pr gaddi utha lete zadda fayda hota
Practically socho FD ke baad bhi tumko 1-2% interest dena pad rha h aur tumhare hath me paisa bhi nhi h kuch emergency hui cash ki need hui fir ghumte reh jaoge paiso ke liye FD tutvaoge aur lose khaoge
Do hi option best h yaa to cash gaddi lelo yaa fir tumhare pass total 16L hi cash h to bakki 8L savings account me rakho
Aur ye chutiye log kabhi nhi btayege bhale hi 5 saal baad tumhare 14L wali gaddi 8L ki reh jayegi lekin agr 5 saal baad tum same gaddi lene jaoge tab tumko vo kam se kam 16-17L ki padegi btao fir kya kroge
@@anshumanbansal7300 bhai aapko jaankari Leni chahiye. Reducing loan hota h ye iska 3 saal m total 88000 interest Jayega. Aur FD ka total 3 saal ka compound 1.30L interest ka aa jayega bansal ji. Baniyo par doubt mat karo sarkar.
@@raghavbansal3871 bhai tumhare baniye hone pr sach me doubt ho rha h loan tumne 6L ka lia h aur FD me 8L dale h, of course FD me interest amount zadda milegi ek bar 6L ki FD ke according calculate krke dekho fir bolna
@@raghavbansal3871 bhai mjhe to sach me tumhare baniye hone pr shak ho gya h tumne 6L ka loan lia aur 8L ki FD kri, of course tumhara interested amount FD ka hi zadda ayega ek bar dono values ko same lo fir calculate krne btana kaha fayda hua aur kaha lose
car lene ke baad uska utilisation cost not considered...one who didn't invested, he /she always used public transport...so always experienced dhaka mukka...upar se...5 years future ki baat ho raha hain... seems not very logical...
20:4:10 is a western concept. Not suitable for Indians
Agar monthly income 28000 to wo kaise kya kre
@@shivamrathore6876 car ke bare me nhi sochna hai. Paisa बढ़ाने ki soch car khud aa jayegi
😂 train hi option hai iss hisab se
XUV 3X0 dekhe buy karneka plan kiya h😂😂
Ab yeh video dekhte huye khudko lachaar feel Kar raha hoon As I already booked 3x0 and my salary 50k😢
@@himalayanrawsme too in that list bro, booked ax5 L with 70k salary 😢
bhai daam badha dete hai Mahindra waale bohot jald to lelo jitna jaldi ho saks
Bhai kam se kam percentage to badhao is mehangai me, 1 Lakh per month salary ko 8 to 10 Lakh ki gaadi purchase karni chahiye. Aap k hisab se home kitne me build karna padhega,,,Thoda soch badlo Sirji...
Are you kidding,15 lakh CTC person will buy a car of 4 lakh😮
2.5 ctc wale q dekh re h ye video
Monthly income sirf ek lac rupess, Sirf lagane ki b jaga hoti hai bhai Sirf ek laal monthly income nahi bola jata
पहिले व्हिडिओ के ऊपर जो पॉपअप चला रहे वो निकालो, चार्ट कूच भी नहीं दिख रहा
Bhai itna sasti cars kaha aati hai aajkal
yeh calculate already ki mein ne, loss hi hota hain! loan mat lo kabhi bhi agar fayde mein rehna hain to.
Need ua suggestion. Mae bhi car lene wala hun loan par, can u plz let me know loan kyu nahe lena chahiye. Bataiyega It will be helpful..
Fer to koi bhi alto se aage nhi jayega
इस तरह से 40- 50 हजार तक की सैलरी वाला कार में चल ही नहीं सकता.
Chal shakta hai Agar aapko khuch query ho to muje dm kare
What nonsense. Itna valuation ka car milta he nahi h. Aise calculation se toh koi le bhi nahi payega jiska Kam income ho.. baseless calculation. This rule is bullshit
1 lakh month ka salary hoke v car nahi le sakte toh fir ky fyda aasi job ka 😂😂
How 60 thousand can become 12 lakhs in 60 months.... which type of investment 😂
60k ka 12 lac 5 saal mein kon sa bank, mutual fund de rha ?? 😂
or apni monthly income bhi bta de
30lac per annum wale ko keh raha 10 lac ki car pe dimag sahi hai ki 30 lac saal wala kam se kam 20 lac ki car leta hai ar wo bhi aram se
100000 ko bchakr kya krega bhai 5 saal baad vohi gadi 2 lakh mehngi bikegi fir le lena usko
Bhai is hisab se to mein kabhi car buy hi nehi kor pauge
@@focusstudyassam3511 mat le bhai bahut log nhi lete car, car ke bina mar thodi jayega. Paisa bacha ke rakh bure waqt me kaam aayega aur bure waqt me car ki jada dikkat ho to cab kar liyo.
2.8 lac me kaun si gadi mil rhi h please tell me.
Jiski salary 1.2 lac per month h vo car loan kyu lega saving karke pura cash me le lega kya vo saal ka 8 lac nhi saving kr sakta kya.
Tum to aisi financial advice de rhe ho admi kabi life me kuch le hi na paye.
Note- Be careful from झोला छाप advisor.
No body fallows sir
Its true but
भाई बैलगाड़ी ले ले क्या इस जमाने मैं !
Agar 10 lakh hai to used car kharide sasta condition wala aur baki paisa ka nsc post office me. Amir bano no share no mf paisa duba to garib ban jaoge
Very poor financial advise I would say
Ye RUclips channel wala paidal chalta hoga
This rule has no practicality...please research once again and make a feasible video...
Bhai konsa sasta nasha karke aate ho
Mjh to car hi nhi lena isse achcha to me electric ape lelu 1 lakh me.
Nhi honi chahiye, nhi honi chahiye, yeh sab bakchodi h 😂😂😂😂
Tere hisab se koi car hi nhi le payega be
Bhai tjhe logo ko paise dene chahiye teri video dekhne ke liye
1% bhi koi sense nhi tha puri video me aur please mjhe btao esi konsi gaddi h jo 5saal me 70% depreciate ho rhi h???
Auro industry ka inflation pta h???
Aur jo tumne trick btai businessman log us trick pta nhi kabse use kr rhe h bss vo apna paisa kisi aur company me invest krne ki jaga apne kaam me invest krte h
Bhai bss ek request h channel band krde
Agr tere jese log bhi khudko coach bol rhe h tab to ho gya is desh ka bhala.
Sir aap ne bilkul bacchon ke language mai sum jaya hai is he Thara samjaya karo 👍🏼
Toh hum 8 lakh bale ek cycle kharid leta hun
Boring 😞 video
Waste of time
Bhai aise toh koi car ni kharedega, failure
❤❤❤
Thank you sir
Baala
🎉🎉🎉🎉🎉🎉🎉🎉
Lekin car wale neaje bhi to kije...dusra Dhaka khate raha😅😂
Is ki manoge to kabhi car nhi kharid nhi paoge
❤