வாடகை வீடா? சொந்த வீடா? | Buying A House VS Renting A House | with English Subtitles

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  • Опубликовано: 31 окт 2022
  • It's always a Dream to own a Dream House for many, while some feel unsettled until they own a House. But is it really worth owning a House, with Loans and EMIs and Struggling during the Loan Period? In this Video, Mr. K S Kishore Kumar discusses, how one can be more Financially free without owning a House while other Struggles with an Owned House, Watch the full video if you`re planning to get a House.
    Renting or Buying a House Excel
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    #financialfreedom #rentingvsbuying #investment

Комментарии • 1,2 тыс.

  • @arunk1817
    @arunk1817 Год назад +78

    இருக்கிறவங்களுக்கு காலத்துக்கும் ஒரே வீடு இல்லாதவர்களுக்கு புதுசு புதுசா ஏகப்பட்ட வாடகை வீடு 😅🤣😂

    • @beebeem.saibana1651
      @beebeem.saibana1651 Год назад +27

      எனக்கு திருமணம் ஆகி 13 ஆண்டுகள் ஆகிறது இதுவரை நான் 15 வாடையை வீட்டில் இருக்கிறேன்என் கமெண்ட்டை படிப்பவர்கள் இறைவனிடம் நான் கூடிய விரைவில் சொந்த வீடு கட்ட பிரார்த்தனை செய்யுங்கள்

    • @arunk1817
      @arunk1817 Год назад +2

      @@beebeem.saibana1651 Thanks for your prayers 🙏 சொந்த வீடு கூட வேணாங்க கடன் லோன் காசு கஷ்டம் இல்லாத வாழ்க்கை இருந்தாலே போதும்....

    • @mrtrader9739
      @mrtrader9739 Год назад

      Bad dept is not good invest your money grow well 🙂

    • @vanzvibes0325
      @vanzvibes0325 11 месяцев назад

      Kastama vishiyam ahh azhaga solitinga

    • @muthuarasu7576
      @muthuarasu7576 11 месяцев назад +1

      நடிகர் செந்தில் வாங்கிய வாழைப்பழம் விலை?
      சூரி விற்ற வாழைப்பழம் விலை?
      மாற்றம் ஏன் கண்டுபிடி அனைத்தும் புரியும்.

  • @devarajan2352
    @devarajan2352 Год назад +6

    💯Excellent explanation in financial planning, please keep sharing your great thoughts👍

  • @ponmuthuprakash6285
    @ponmuthuprakash6285 Год назад +2

    Sir very useful information to all of the family members of trader achievers❤
    And Motivate all the youngsters like me😊

  • @yukeshkumar9039
    @yukeshkumar9039 Год назад +5

    Fantastic explanation. I was in confused mode in this house planning, now i got some idea to deal it further. Thank you :)

  • @mariappanmuttu3947
    @mariappanmuttu3947 Год назад +17

    Construction cost 2012 - Rs 1300 per sq.feet , Now Rs 2300 per sq.feet

  • @ammasipalaniappan5226
    @ammasipalaniappan5226 Год назад +3

    30 வருடங்கள் முன்பு இம்மாதிரி சொல்ல யாரும் இல்லை

  • @sureshr9396
    @sureshr9396 Год назад +2

    Appreciate your efforts in making this informative video 🙏🏼

  • @vigneshkumar4210
    @vigneshkumar4210 Год назад +2

    This is really helpful in constructing a good future, thanks brother

  • @monisshthenraj1684
    @monisshthenraj1684 Год назад +74

    Definitely an eye opener for individuals thinking of buying a house like me.. Thanks a lot sir.. Keep going to educate us on financial planning🙌✌

    • @TRADEACHIEVERS
      @TRADEACHIEVERS  Год назад +5

      So nice of you

    • @PraveenKumar-vx7sr
      @PraveenKumar-vx7sr Год назад +2

      @@TRADEACHIEVERS can you suggest the best & safest SIP platform to start investment.?

    • @arunprakashg47
      @arunprakashg47 Год назад

      நீங்க வீடும் வாங்க போறதில்ல. பணமும் சேர்க்க போறதில்ல. 14% வருமானம் வந்தால் நீங்க 80 வயசுல தமிழ்நாட்டுல பெரிய பணக்காரண இருப்பேங்க.
      வாறன் பாப்பேட் வோட வருமானம் 20 cagr தான். அவங்க அவங்க தொழிலுக்கு ஆள் சேர்க்கறாங்க.

    • @bmohanbabu1798
      @bmohanbabu1798 Год назад

      The same concept was regularly posting Money pechu Anand sir also.for better understanding watch Anand sir videos if u not able to understand this video.

    • @HL-wm4dt
      @HL-wm4dt Год назад

      @@TRADEACHIEVERS
      Please make a new video on investing money in proper trusted source..

  • @Anandhaselvan
    @Anandhaselvan Год назад +11

    Thank you for knowledge sharing.
    Please include 18% GST for the interest amount 56 L. It is 10.8 L

  • @rajaramanparamasivam6461
    @rajaramanparamasivam6461 Год назад +2

    Super explanation all youngsters of age group 30 should understand this concept and plan their finances accordingly. .
    I think rental is better proposition incentives like chenbau Bangalore.
    Thanks fir your good advice

  • @SK-xq1tr
    @SK-xq1tr Год назад

    Wow an amazing information.. thanks for the info bro.. expecting more videos related to financial planning. I love your videos.

  • @TrendingPoonai
    @TrendingPoonai Год назад +16

    One thing add here, we need to include the tax benefit for home loan and reduce that from total amount for effective calculation just a thought 😊 nice video between 👍

  • @venkateshsankar4924
    @venkateshsankar4924 Год назад +5

    Video is excellent. But pls mention which SIP is best for invest because have doubt regarding SIP. pls make video for that

  • @aneeshaabbas6713
    @aneeshaabbas6713 Год назад +2

    Viewing ur video when I am house hunting with a lot of self doubt. You cleared up all the questions I had in mind. Uninstalling all the apps I am using for house hunt. Thanks for ur effort.

  • @arun53413
    @arun53413 Год назад

    Thank you Sir, Nice video..
    Appreciate your efforts in making such a detailed video.. 👏👌

  • @jagandots
    @jagandots Год назад +86

    Appreciate the efforts in making this video.
    Some additional insights for newbies:
    1.There is no guarantee that SIP will provide 14% return YoY. It can also be increased or decreased.
    2.10% tax applicable for SIP & lumpsum returns which should be deducted in final calculation.
    Finally, House you bought for own living should be 1st considered as depreciation material and not asset as that depreciation is the value you sacrifice to live in your own house as you like. People's who keep changing rented house for different reasons know the pain of not living in a own house. So take a calculated risk and keep a balance between financial planning and personal/emotional values

    • @ganeshbabu5724
      @ganeshbabu5724 Год назад

      Your wish?

    • @jagandots
      @jagandots Год назад +16

      @@ganeshbabu5724 I bought an individual house in 2018 with home loan and plan is to close it by 2028. My personal advise is home loan should be closed between 5 to 10yrs.. any tenure more than this mostly end in loss as stipulated in this video.

    • @Anand-UPVC
      @Anand-UPVC Год назад

      @@jagandots How to reimbursement your home loan interest - ruclips.net/video/U0MnUNn9PJ8/видео.html

    • @bhaskarsatheesh
      @bhaskarsatheesh Год назад

      your point 1 is wrong..

    • @jagandots
      @jagandots Год назад

      @@bhaskarsatheesh if you explain it in detail I can understand better

  • @motivationmillions000
    @motivationmillions000 Год назад +18

    Eye opening video for many sir. Especially for people in Tamil Nadu thinks own house is pride and should pay emi for rest of the life without any savings.
    For this video many Banks would start hating u sir. 😂😂
    Thank you, love and respect from Chennai 🙏

  • @gokulpadmanabhan1419
    @gokulpadmanabhan1419 Год назад

    This Video gave me a good clarification about financial planning Thank you for your effort to make such a good video

  • @PriArtbead
    @PriArtbead Год назад

    Very good sir! Creating awareness in financials

  • @ilangovansubramanian9556
    @ilangovansubramanian9556 Год назад +22

    Simple rule: save(delayed gratification) and buy and not emi... Or save max and buy only land little outer and then live in rented house and invest in sip to build the house... Then go to the place where you bought and built the house when you are settling in that place... Always delayed gratification will benefit but never forget the goal. Just have one house to live not houses for investment..

  • @prakashd7040
    @prakashd7040 Год назад +11

    this video is very useful for everyone.
    is the market give a 14% constant return in the market? During the covid time, all markets gave negative returns only.

  • @pnbalaji
    @pnbalaji Год назад

    Very useful video that I have watched after a very long time. Thanks for posting such valuable info.

  • @gnanamoorthy5768
    @gnanamoorthy5768 Год назад +1

    Ethu varaikkum intha mathari clear ah yaarum sonnathu illa. Very useful for my life sir. thanks sir.

  • @VBMARKS1
    @VBMARKS1 Год назад +5

    Seems to be useful info. Could you pl help me to understand the returns in NPS/PPF AGAINST SIP with the same amount being invested on monthly basis. What could be the potential option to go with? What is the main reason to compare only with SIP? Pl advise

  • @srinivasanranganathan3468
    @srinivasanranganathan3468 Год назад +11

    Land rate, house rate increases every year, so definitely owning a house is a better option. House maintenance costs also increases every year.

  • @premkumarganesan
    @premkumarganesan Год назад +2

    Wow! excellent video. Completely stunt with the calculations you have showed and given a clear picture on financial planning. You are rocking and thanks for sharing your thoughts and suggestions 👏👏👏

  • @jeyashreethirumaliasamy1421
    @jeyashreethirumaliasamy1421 Год назад +3

    Nice video on SIP..Please guide us how to save the corpus that has appreciated 1. during a time as present(expecting war btw ukraine n Russia) or during huge market correction
    2. And how to save tax on this long term capital gain at the time of withdrawal/redemption for buying a house or for children marriage?

  • @madhavanrao3626
    @madhavanrao3626 Год назад +4

    Hats off to you sir... Whatever you said is correct... I have one question... Instead of putting lumpsum in 1 single mutual fund, can we split and do lumpsum in 3 or 4 mutual funds, so that we can reduce the risk... Is that practically achievable....

  • @yuvarajperiyasamy5374
    @yuvarajperiyasamy5374 Год назад

    Clear explanation and gives much clarity ..thank you sir

  • @rajabaskar6852
    @rajabaskar6852 Год назад

    Good speech…thank you for your efforts sir.clear explanation.

  • @psenkumar2008
    @psenkumar2008 Год назад +6

    Good explanation bro. Many unaware that they are hard working to keep up the business of banks rather their needs. Once you taken loan for 25 years you will be paying only interest. Even you can do pre closures but still principles will be same. Less years and high EMI and huge down payment is key for home loan.

  • @bashyamsathyanarayanan4015
    @bashyamsathyanarayanan4015 Год назад +9

    Awesome Explanation, sir Please give advice which company to select for SIP, Atleast 2 or 3 company names

    • @natarajana218
      @natarajana218 Год назад

      Please let me know the SIP how to invest

  • @tmdevi5392
    @tmdevi5392 Год назад

    Tqvm brother for helping us to think out of the box. Great job.

  • @satishr9665
    @satishr9665 Год назад

    Super explanation sir. Thank you so much

  • @ArunKumar-of9zh
    @ArunKumar-of9zh Год назад +11

    This video is an eye opener to all the innocent people who struck in between the real estate mafias.This is the real plan wow.....Kudos to you Sir.....

  • @muralikannan8169
    @muralikannan8169 Год назад +6

    in own house scenario
    if emi is 40000 then you have to subtract the rent amt because we will not pay rent for 25 years. which means 40000-12000[rent approx] =28000.
    28000*25 years =840000 total emi
    total emi is not 1cr 6lakh
    but i prefer renting house
    thanks for your efforts

    • @TheMaskManforShorts
      @TheMaskManforShorts Год назад

      You are right. You do not have to pay rent and rent should be reduced from your total loan. How did he miss this?? Is this to divert everyone to do the sip??

  • @VisitBeforeHumanPollute
    @VisitBeforeHumanPollute Год назад

    கருத்தில் கொண்டு யோசிக்க வேண்டிய தகவல் 💯 THANKS FOR YOUR ADVICE BROTHER ❤

  • @karthickraja2436
    @karthickraja2436 Год назад

    Thanks for the Insightful Analysis sir, sure will follow your golden guideline for better wealthy Future.

  • @immanueljebaraj1779
    @immanueljebaraj1779 Год назад +26

    After 25 years, Land and construction cost would've skyrocketed and it will be challenging to buy or construct a house then.

    • @rayavlogs
      @rayavlogs Год назад +3

      Buy a land in ur native/village with the savings of 25 yrs…sell it and buy a land of house in Chennai..that’s it..

    • @Kumar-kv3pe
      @Kumar-kv3pe Год назад +3

      @@rayavlogs An investment in village will not give you same return as an investment in City.

    • @rayavlogs
      @rayavlogs Год назад +3

      @@Kumar-kv3pe in Chennai u get lot of plots / flats at a cheaper rate then a “B” town..plz chk the facts..

    • @vixe727
      @vixe727 Год назад

      He mentioned only for apartment

  • @nagarajansriramulu191
    @nagarajansriramulu191 Год назад +5

    Sir thanks for this advisable video.. it's very useful for us .
    Any monthly income available in SIP ?
    If deposit some amount like 30 lakhs and above how much we can expect monthly ?

  • @thangaselvakumar2028
    @thangaselvakumar2028 Год назад

    Clear ah explain panninga brother.super 🤝

  • @sskanagarajut
    @sskanagarajut Год назад

    Sensible session. Wonderful presentation. Thanks a lot

  • @sparten89
    @sparten89 Год назад +8

    Buddy, getting tears now i am 33 years old father for my 9 year old child simply wasted my saving, this SIP knowledge if i got it before 10 years it would be an eye opener for me but none other less i will start planning now👍🏼👍🏼👍🏼keep educating us🙏🙏🙏

    • @krishnakumarsubramaniam5312
      @krishnakumarsubramaniam5312 Год назад

      Even now it is good time to start

    • @i5Logan
      @i5Logan Год назад +1

      Come on my friend it's not late now. You can still start and step up. We are sailing in the same boat.

  • @mariappanmuttu3947
    @mariappanmuttu3947 Год назад +8

    2012-land cost-17 lacks , 2022- 1 cros above (With in 10 years)

    • @shanpaul3416
      @shanpaul3416 Год назад +5

      Yes bro edu mari sceneries la avaru Sona elamea maridum apdea kadavul ea solitaru NRA mari feel agama namba edu pudichi eruko family sutivation pathu porumaya decide pani mudivu edukalam.enatha 5 c 6 c sonalum antha 25 yrs sontha vedu kuda ila nu elarum soluvaga

    • @billgates6104
      @billgates6104 Год назад +4

      @@shanpaul3416 😂😂😂 yaaru ya nee. Enna paathalum negative ha vae pesitu iruka. EMI la flat vaangi, velaya vittu thooki, EMI katta mudiyaama evalo peru kadan vaangi suicide pannirukaan theriyuma. Antha 25 varusham kalichi nee vaanguna veedu value evalo irukkum nu yosichu paaru. Already veedu 25 years old. Flats la 25 varusham veeda kooda sell panna mudiyaathu. Kandippa 25 varusham orey veetla iruntha namma pasanga namma koodayae irupaanga nu nenaikiriya. Seri Sontha veedu vechirula 25 varusham kalichi un payanuko ponnuko kalyanam pannanum. Verum own house vechi enna pannuva. Elathaiyum yosichi paarunga. But 10 varusham Intha video la avar sonna Maari veeda vaangitu meethi kaasa matha selavukku vechikalam la

  • @aktherhussain7002
    @aktherhussain7002 Год назад +1

    Good Explanation For buying home & Rental home..very thanks

  • @naturalrelaxingmusic8732
    @naturalrelaxingmusic8732 Год назад +1

    Top rated financial planning video. Thanks a lot👏👏

  • @prasannarodrigo6248
    @prasannarodrigo6248 Год назад +8

    After 10 years the rent expenses will be more than 20000 and therefore the SIP amount should be stopped and after 10 years, you need to pay additional amount than EMI. Then it doesn't get the expected amount

  • @Deepa345Deepa
    @Deepa345Deepa Год назад +7

    Hello sir I agreed with your financial planning. But every year the land rate is increasing drastically. If I spend 2 cent = 30L, after 5 to 10 years the amount definitely will be high (approx crors). So spending money on own house is a good idea also invest in SIP is future plan.
    Anyways, thanks for video. I will learn how to invest in SIP

    • @vijayarirajta6692
      @vijayarirajta6692 Год назад +3

      Real estate growth is slow right now. It will take minimum 30 years to give a bull run like 2001-2008.
      10 lakhs land has become 1 crore in 2001-2008,
      But that won't become 10 crores before 2030.

  • @PremBoss001
    @PremBoss001 Год назад

    Really Helpful Sir and way of explanation is 👌 Sir

  • @meenamani0785
    @meenamani0785 Год назад

    Really fantastic Explanation, Super.

  • @arunprakash6965
    @arunprakash6965 Год назад +3

    Content is very good👏 but, sip on what? Lumpsum on what? How can we say whatever investment give 14% return? What about tax?
    அரைகுறை அறிவு ஆபத்தாகும் 👍

  • @lakshmanakumar2268
    @lakshmanakumar2268 Год назад +8

    Very useful video. Thank you very much for your awareness. I just want to point out one small miscalculation in this video, you didn't consider the monthly rental amount that increases every year. Because you assumed 12k rent + 20k monthly investment. It would have been more accurate if you had considered the increasing monthly rent amount.

    • @jshreeravee
      @jshreeravee Год назад

      Yes

    • @prabakarasethupathi345
      @prabakarasethupathi345 Год назад

      Bro, avaru emi 32k Mattum thaan sonnaru, rent 12k voda compare panrappa, depreciation cost, maintenance cost laam sekkala, so neengalum rent increment laam sekkathinga, simply superb explanation sir, hats off you👏👏👏

  • @ammannighties3333
    @ammannighties3333 Год назад +1

    Sir u have clearly explained and now Iam planning to invest in SIP for my kids

  • @MrSathishmani
    @MrSathishmani Год назад

    Awesome video, good case study... Keep sharing such video and educate us...Thanks, god bless!!!

  • @PremKumar-yh2ri
    @PremKumar-yh2ri Год назад +18

    More FINANCIAL PLANNING videos podunga sir ;It’s very much helpful

  • @sukumars2384
    @sukumars2384 Год назад

    எதிர்கால சிந்தனை இல்லாதவர்களையும் இந்த பதிவைக் காணநேர்ந்தால், அவர் நேர் மறை எண்ணங்களோடு செயல்பட்டால் எதிர்காலத்தில் அவர் நிதி நிலைமை வலுவானதாக இருக்கும்.
    மிகவும் பயனுள்ள அருமையான பதிவு. நன்றி.

  • @germdios
    @germdios Год назад +8

    There are some factors overridden. 1) SIP was valued at 14% which is not sure 2) even own house got depreciation, the land gets appreciated every year. Can you give a revised working based on above?

    • @TRADEACHIEVERS
      @TRADEACHIEVERS  Год назад +2

      Will be making a update version soon with tax benifts as well. Thanks

  • @Dorkie866
    @Dorkie866 Год назад

    Explained very well.
    Explain the SIP in detail

  • @karthick2810
    @karthick2810 Год назад +1

    Sir this is eye-open information thank you so much

  • @krishnakumarsubramaniam5312
    @krishnakumarsubramaniam5312 Год назад +13

    I think It is good effort on imparting financial Knowledge to the beginners. But this Video fail to talk about the salary increase and Partial principal repayment option of Home Loan. As per my experience, Home Loan can be closed in 6 to 7 Years if planned well or Max 10 Years. This Video didn't speak about Capital Gain Tax too. Always best to assume the returns of 8% annually for SIP. Getting 14% is high for the term of 25 years or even for 10 years.

    • @TRADEACHIEVERS
      @TRADEACHIEVERS  Год назад +5

      Yes a new video is uploaded regarding that. Thanks

  • @tonywalter22
    @tonywalter22 Год назад +12

    What about the depreciation of value of money every year at a rate of 5 to 6 percent per annum. That should also be taken into consideration.

    • @kumaran.k373
      @kumaran.k373 Год назад

      6% nengale 14-6% podunga tha inflated gain

  • @AbdulMalik-ul9qq
    @AbdulMalik-ul9qq Год назад

    Good information.... Thanks for your valuable time sir....

  • @jainulabdeen4295
    @jainulabdeen4295 Год назад

    Wonderful video for how to investment and develop financial self supports. Thanks to inspirational words sir. Best wishes to you

  • @gurug7135
    @gurug7135 Год назад +3

    Very Clear, i'm going to start SIP from this month for my Childs, thank you so much @Trade Achievers Team

  • @ashwinkumar1992
    @ashwinkumar1992 Год назад +41

    You missed to tell that house rent will be increasing YoY. It could increase 5-10% based on the owner. It may not increase for first few years but it might increase overall. Also you need to switch house after few years based on family needs, occupation, due to increased rent in the same house. BTW, assuming 14% CAGR looks to be optimistic. It can be lesser also when situation such as corona arrived. But breaking the fund and investing on house seems to be a good idea. Own house is a house where no one can ask us to vacate after few year of staying. Rental house comes with its own cons such as attitude of owner, rental expense keep on increase.

  • @CHENNAIANGLERS
    @CHENNAIANGLERS Год назад

    Very Nice and Practical Financial Advice.. Though I do have some clash of thoughts on MF value shown but still the core of content is 100% true and genuine advice for everyone... All the best Brother.. 👍

  • @Omsuriya7
    @Omsuriya7 Год назад

    Sema video sir.unmaiya sonnathukku nantri sir...

  • @khajamoideen9086
    @khajamoideen9086 Год назад +3

    Great message. Can u also please suggest something for the people who is already sailing in the boat of home loan and for the people above 40 😀 on investment planning 🙏

  • @gcapaiyal9834
    @gcapaiyal9834 Год назад +9

    My question is 14% is not guaranteed by anyone? Could you show some SIP plans with real life history that gave 14% return? Plz make a video

  • @SatheeshKumar-wb2tr
    @SatheeshKumar-wb2tr Год назад +2

    This is best suggestion for the people who are thinking to buy second house as an investment option.

  • @jagdeashwersk
    @jagdeashwersk Год назад

    Superb and much needed video👌👌 Highly informative⭐❤️

  • @lakshnaramesh9733
    @lakshnaramesh9733 Год назад +12

    In one word, this channel and our sir is "UNDERRATED" 💐🔥

    • @TRADEACHIEVERS
      @TRADEACHIEVERS  Год назад

      Thank you, Share this with your friends & families.

  • @megaharishraj
    @megaharishraj Год назад +11

    Agreed bro, but one question, SIP and lumpsum are mutual funds right?? It is subjected to market risks what if market crashes and we lose all our money?

    • @TRADEACHIEVERS
      @TRADEACHIEVERS  Год назад +4

      Will be making a video on that soon. Thanks

    • @ManojKumar-dy5zi
      @ManojKumar-dy5zi Год назад

      @@TRADEACHIEVERS Sir please clarify regarding mutual fund risks.. Thank you for the above video

  • @sudhirchef
    @sudhirchef Год назад

    Great bro very nice to see and hear God's give you more bless❤️

  • @sureshmfc
    @sureshmfc Год назад

    Am a dsa for housing loan. U gave a excellent financial planning and gud idea for rental house or own house. it's a eye opening video.

  • @thamaraikkanichandran3514
    @thamaraikkanichandran3514 Год назад +13

    Do SIP give constant 14% interest return over the 25 years. Could you please make another video on the SIP investment advantages and risks. It will be really helpful for the new people coming here.

    • @ItachiUchihaa1
      @ItachiUchihaa1 Год назад +1

      Same doubt

    • @ElaSelvaraj
      @ElaSelvaraj Год назад +1

      Why are you focusing on specific interest rate? His point his about savings.. let it be 10% on conservative side, still it’s a huge sum. I’m not in favour of staying in rental house but break method is a good option. I bought home as soon as I started my job. It’s been 10 years, if I would have saved in SIP I could have bought better home n still 50% savings.. lesson learnt bit late

    • @drvanchinathank3347
      @drvanchinathank3347 Год назад

      Good message

  • @bharathirajan1474
    @bharathirajan1474 Год назад +11

    Sir, I need a clarification for the following,
    1. Why I should pay EMI for whole 25 years. I can foreclose the loan by 10 years if have good savings habit.
    2. If I started earning 70k per month at the time of availing loan, after 25 years should I earn the same 70k per month??
    3. If a tenant paying 13k as a rent at the starting time and he pays the same 13k for whole 25 years??
    4. Also SIP is not stable one it also leads to loss some time.
    5. For the housing loan I can claim back my tax and it leads to profit where I have to pay bulk amount for my taxes for monthly income.
    6. Also I can able to mortgage the same property for additional loan if needed.
    7. Cost of money inflated after 25 years where 2.5 crs in 2022 will not shows you same comfort on 2047.

    • @mnijam2747
      @mnijam2747 Год назад

      Good bro 👏👏and also video creater not not less current paying rent

    • @mari20043137
      @mari20043137 Год назад

      Very good points 🔥🔥👍👍👍👍

    • @ART_DECOR_CHENNAI
      @ART_DECOR_CHENNAI Год назад

      Fore closure percentage is there 3% for 10 lakhs 30,000 and ur initial amt won't reduce as per u think, if u pay for 25 years loan, the foreclosure option amt would be satisfied only after 25 years only. So get rough loan interest foreclosure amt between years before getting loan

    • @bharathirajan1474
      @bharathirajan1474 Год назад +1

      @@ART_DECOR_CHENNAI Bro foreclosure charges collected separately from the foreclosing amount which has been reduced from principle outstanding

  • @nagappana8928
    @nagappana8928 Год назад

    Super clear cut information thank you sir

  • @sprallsolutionworld
    @sprallsolutionworld Год назад

    மிகத் தெளிவான விளக்கம்👌👌👌 🙏🙏🙏🤝🤝🤝👍👍👍

  • @MrSairameashwar
    @MrSairameashwar Год назад +3

    The problem with all this calculation is you’ve only considered the best case scenario for sip returns. Just like job loss during a black swan even like covid the markets will also come crashing down. So if you are thinking about breaking the sip during covid your 10L lumpsum will not be 30L +, rather only 15L. And when your rent goes above your EMI it doesn’t make sense to still stay in rent. Plus per the calculation you can’t contribute the same sip amount since your rent will increase Year on Year(YOY). Plus when your rent is 35k you won’t contribute the same 20k. And lastly the return of 14% might be fine for 25years but definitely difficult in 10yrs especially on account of a black swan. Please have realistic numbers but renting is better than buying even with realistic returns of 10-12%. And when the rent goes more than the emi it’s time to either downgrade or buy a house

  • @velmurugan9418
    @velmurugan9418 Год назад +4

    Monthly rental benefits need to be added as profit for 25yrs. Yearly Tax benefits also need to be added.
    It's simple, the longer tenure loan is always a loss. Go for 10yrs or 15yrs home loan.

    • @wfh1789
      @wfh1789 Год назад

      Correct... Sip or stock market is not guaranteed income. In home , atleast we can live and at the end you can UDS as asset

  • @sujeethaappachiappan1001
    @sujeethaappachiappan1001 Год назад +1

    It's very informative and clear explanation, thank you so much for helping everyone's financial plan better and better for their life

  • @jeevanbabum.b.a5020
    @jeevanbabum.b.a5020 Год назад +2

    Sir, You explained very well. Thanks for your effort. Kindly tell about to close the existing housing loan with new SIP.

  • @prakashradhakrishnan4842
    @prakashradhakrishnan4842 Год назад +4

    Nice video. Thanks. One doubt in SIP process -- you said in tough times like COVID the sip amount of 88L will help. But during those tough times the invested amount will reduce to 50L or 40L know. It won't stay same as 88L.? Then that's a high risk right??

    • @Akshara1911
      @Akshara1911 Год назад

      I too raised the same. Market seems subject to risk. But paying rent is better than own house. We can shift to any place wherever we want

    • @TRADEACHIEVERS
      @TRADEACHIEVERS  Год назад +1

      Yes, that's where the Time gives us the advantage, the Longer your Invest, even through crashes we can survive, from 2000 to 2020 crash, the market has grown 466% approximately.

    • @gcapaiyal9834
      @gcapaiyal9834 Год назад

      @@TRADEACHIEVERS Crypto grown 5 lac percentage 😂

    • @gcapaiyal9834
      @gcapaiyal9834 Год назад

      Example BNB coin

  • @VijayKumar-kt8og
    @VijayKumar-kt8og Год назад +7

    What about taxation on return after 25 years?

  • @nivetha_pd_naveen
    @nivetha_pd_naveen Год назад +1

    The best explanation.. Thanks for sharing your knowledge 👍🏻

  • @thilageshganesh6983
    @thilageshganesh6983 Год назад

    Yen life la ivlo clear aa teach panra oruthara na paathathe illa, yennaku nalla puriyuthu anna unga video yenakku ippo 18age kooda innum mudiyala, yenakke nalla puriuthu🔥🔥👌👌

  • @hariharana3158
    @hariharana3158 Год назад +3

    Please clear my doubts
    1. Which instrument gives you 14 percent solid returns in SIP?
    2. will the rent of houses shall increase year on year or not ?
    3. Where is the tax calculations on SIP and lumpsum investments?
    4.

  • @rajeshkannans10
    @rajeshkannans10 Год назад +14

    Sir, After 10 or 14 years, you will not get the land or flat at the same location that we prefer now. So house construction and marriage should be done on time. It is not always money. Own house is needed for generations and peacful life. You will not get same life with rental house especially when we have shift house when we switch our job.

    • @saravanakumargm7956
      @saravanakumargm7956 Год назад +11

      EMI : peaceful life....hahaha

    • @rajeshkannans10
      @rajeshkannans10 Год назад +2

      @@saravanakumargm7956 Paying rent: peaceful life .. ha ha ha..

    • @varmanindia
      @varmanindia Год назад +3

      13 years if you manage to stay in rent house, after that you can buy own house and also have big amount in hand by breaking SIP. Don't make wrong decisions by taking emi for 25 or 30 years.

    • @rajeshkannans10
      @rajeshkannans10 Год назад +2

      Rent increases every year and cost of contrustion materials. Also after 13 years, you won't get empty plot at same location you wanted to build house.

    • @varmanindia
      @varmanindia Год назад +1

      @@rajeshkannans10 Rent increases, so is your salary, you will get a plot in the area which you planned bcoz after 13 years there will be someone to sell old land or building

  • @sujadhaprakash8545
    @sujadhaprakash8545 Год назад

    Very useful video. Thank you Sir.

  • @roselinepk7371
    @roselinepk7371 Год назад +1

    Financial planning well explained. Highly appreciated.

  • @rajan244
    @rajan244 Год назад +2

    Clear explanation, thanks sir🙏🙏

  • @praveenr680
    @praveenr680 Год назад

    Thank you for your financial advice

  • @kanishkaram8988
    @kanishkaram8988 Год назад +1

    I appreciate the good effort displayed.

  • @kanishkam4405
    @kanishkam4405 Год назад

    Superb video, very useful for youngsters.

  • @kumaravelelangovan4734
    @kumaravelelangovan4734 Год назад

    Thank you sir it's very useful msg....pls post on investment plan videos on future plans.....

  • @madhubalan8056
    @madhubalan8056 Год назад

    This is crazy data man. Hats off

  • @InternationalInsights-xm7ul
    @InternationalInsights-xm7ul Год назад +1

    what a man sir. really you helped me lot. thak you very much. do more videos about financial.

  • @ramisgodd
    @ramisgodd Год назад +2

    Small correction.. You can buy house but also do this sip in parallel, when you're half thro your emi ( say 10yrs). This sip can be broken to pay as part payment.. By that time you would have paid hefty interest but atleast some 12-15 yrs interest we can save .. Something is better than nothing.