HOME ലോണുകളെ കുറിച്ച് അറിയേണ്ടതെല്ലാം | How to get home loan.
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- Опубликовано: 12 фев 2020
- #HomeLoan #HowtoGetHomeLoan #BestHousingLoan
Some of the things covered in this video:
1.How to Get Approved for a Home Loan
2.Best Home Loan
3.How to Reduce Home Loan Interest Rates?
4.Home Loan Eligibility
Find out all you need to know about Home Loans from this video in Money Talks with Nikhil.
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ഹോം ലോൺ എടുക്കുന്നവർ ഒരിക്കലും LIC Housing Loan എടുക്കാതിരിക്കുക. ഇത്രയും മോശം staffs ഉം procedures ഉം ഉള്ള വേറെ സ്ഥാപനം ഉണ്ടാവില്ല, കോട്ടയം LIC യിൽ നിന്ന് home loan എടുത്ത് മൂഞ്ചിയ ആളാണ്‌. വിളിച്ചാൽ പോലും ഫോൺ എടുക്കില്ല.
ലോൺ ട്രാൻസ്ഫർ ചെയാൻ ശ്രെമിക്കു.
Yenikum tvm lic hf il undayirunnu, take over to sbi
വളരെ സത്യം, എന്നികും വളരെ മോശം അനുഭവം ഉണ്ടായി Trivandrum LICHFL, original documents മുഴുവൻ നശിപ്പിച്ചു.
ROI also high
സർ ഞാനും
Very informative,
Many thanks to Nikhil Sir & Adarsh Sir
Superb
Thank you so much Sir... Very informative
Good video. PMAY amount was credited to my loan account. Will it be adjusted to the principal? Because outstanding is reduced by that much amount.
Hai Sir
Home loan last procedure ethokaya onnu paranju theramoo. Bankitey. Enganayaa cash trf cheyune bank. Than bankitey valuation process also.
Nalla ubhaharaprathamaya
Advice .Thanks🙏🙏🙏
Greate video, expect another valuable sessions.
🥰
Very very very good video and informative, thanks for this video
Thank you sir.. nalla avatharanam ayirunnu
Thankyou sir🙏Nikhil sir your patience...👍
Eniku housing loan ite koode 2 insurance unde with same tenure and ROI with HDFC. Nj loan transfer plan chyunde...agane transfer chyumbol ee 2 insurance ite cancellation fee / exit penality enthakilum undakumo ?
Fees undakila , term instance ano ene check cheyyuka , alla enkil thangalk nashtam undakum. Term insurance ane enkil continue cheyunnath kond problem ila.
Sir one doubt, Auto rickshaw mathram verunna vazhi ulla oru veedum vasthuvum vangan plan und.. Ithinu loan kitan chance undo
Sir
വളരെ informative video thank you so much
നിങ്ങൾ രണ്ടു പേരും ചേർന്നു അവതരിപ്പിച്ച തിന്നു ഒരു ബിഗ് സലൂട്ട്,,,,,
Very valuable information for me..thanks 😊
Thanks ❤️
Hello Sir..very informative video...
great info, thank you for sharing
❤️
Vry informative sir👌...i had a many doubts for taking on home loan, bt now my doubts are clear .thank you
Very useful informations for me... Thanks Nikhil sir for this special video
Sure. Thanks
informative 👌🏼👌🏼
Very informative video 🙏thank u somuch
Is it possible to take over a home loan from a private bank to a nationalized bank?
Oru plot vangannathinai advance koduthirunnu.. Karam thertha rathethilum pramanathilum kanichittullathu purayidathinte aake area 6r . 24 sq meter ennanu. But reservey prakaram total area 16.601 cent ennanu. Thammil enthelum difference undo?
Dear Team,
Very good subject
Thanks⚘🌷⚘🌷⚘🌷⚘🌷⚘🌷
Thank you
Valuable information 🖒🖒🖒🖒
Again, very informative video. 🙂 Thanks for sharing. Kooduthal videos pratheekshikkunnu.
Please keep watching
One fundamental question is during conversion from fixed to floating rate of interest via loan take over, won't it have a cascading impact of interest (Interest getting charged by new bank on Principal+Interest value outstanding in old bank) ?
Valuable information thanks 😊 👍
Thank you so much for the valuable information
Sir, ...Is PMAY scheme avail for Govt employees...??
The EMI is split into Interest and principle and in intial years I understand that the whole amount of EMI goes to interest, is this understanding correct? If so then what is the best way to make additional payment to reduce the EMI, what I meant is is it better to make additional payment in the beginning of the tenure to reduce the EMI further?
Yes. Make additional payment towards principal
EMI amount is always split into two parts.
1.Interest
2. Principal.
But, in the initial years the interest portion will invariably be very high compared to the principal portion.
Sir is it necessary that we should have 20% of total loan amount in our hands before approching for the same... In the bank
Sir.. oru doubt chodikatte.. SBI kazhinja divasam Home loan interest rate veendum kurakukayum hight credit score ullavarkku 6.8% vare kodukkunnu ennum kettu. Angane varumpol nammal ipol 6.8% il flat scheemill loan eduthal pinneed varum varshangalil RBI interest koottiyalum nammal adachuvanna ee amount thanne adachal mathiyakumo?
Flat method ippol chila bankukal mathram provide cheyyunnullu. Avarkum venamenkil 2 yearsil change cheyyam
@@MoneyTalksWithNikhil thank you sir👍
Thank you sir ..Good Sharing
Thank you sir
❤️
Informative
This video is so informative. Answered most of my doubts.
I have few doubts,
1, In context of a home loan, fixed interest rate or floating rate which is better in long term(20 years)?
2, Some banks are ready to reduce the interest rates if customer bargain with multiple offers in hand.
- Is that really worth in case of floating rate?
- When the rate changes next time up, does the earlier bargained rate helps in any manner? Or it will go back to the same rate as someone who has not bargained?
Thank you.
Consider floating. Always check the interest rate and review
Waht is the minimum requried CIBIL score for house loan eligibility
Very Informative
Thanks
Lic hfl il ninnu edutha loan inu ithpole emi kootty adakkan ulla facility undo
Good information
SBI parayunu
1 year kazhiyaathe loan transfer cheyyaan patilla enna.
Allenkil 1 year le EMI orumichu kodukanam ennu.
Is it true
Anyone know kindly reply
Thank.you.sir.good.class
Sir plz explain about loan insurance
Please mention, term insurance or building insurance ?
house construction loan structure complete cheyyunna vare ulla amount alle kittu, finishing and interior onnum athil include aavillallo, plz reply
Starting estimate kodukkumbol include cheyyuka
Sir, oru doubt...sirnte oru videol kandath anusarich njn home loanil oru emi yearly koodthal adakunna karyam bankil chodichu...apo avaru paranju angane emi adakmbo kurach amount koodthal adakanamnu...angane cheyano..??atho same emi amount thanne oru thavana koodthal adachal tenure kurayile...??
Salary and expenses separate anu varunnath .base salary 16000 anu . total 26000 anu .loan base salary a depend cheyth ano ?
I have serious queation, home loan takover cheyumbol, insurnce amount, thririchu tharumo, please relply, my insuence amount 40000
Kerala and Indian government had passed so many laws regarding education loans. No one is aware of the closing and concessions. Sir, please update your subscribers
Anush c yes
If you are a government employee go ahead and take home loan. Others should not go for home loans. You may loose your current home. Remember that. You have to repay with heavy loses. Banks aim on your property value and recovery......keep away from it. You can live peacefully in your old, small home.
Not like that , If you are taking a loan you should have loan repayment strategy.
Is it possible to make video about loan for NRI ? or best options
Sure
Sir eniki yearly 60000 /_ income olluu. Sthalam und 5 Cnt avide oru veed vekkan 5 lakhs rupppaaa kittuumoooo
Loan apply chaithathinte 80% something alle kitullu. Apo 20% nammal cash ayit thanne kodukano Or gold kodutha mathyo eed ayit? A karyangal parayamo?
10lack ബഡ്ജറ്റ് വീടാണെങ്കിൽ വെക്കാൻ ഉദ്ദേശിക്കുന്നതെങ്കിൽ 8lacks ബാങ്ക്സ് ലോൺ ആക്കിത്തരും... ബാക്കി 2lacks നമ്മൾ ഇറക്കണം എന്നാണ് തോന്നുന്നത്
Salary certificate Illa. Appol enthu cheyyanam
Hii..sir central gov employee ane enku oru home loan eduknm ennu unde sbi yil ane salary account , loan na kurche kurch details parju tharamo..
Contact me- 7510146153
SBI Homeloans
@@soorajhs1916 SBI ipol home loan interest rate ethra???????
Thank u
Keep going 👍
Sir,Home loan inu vendi Bank ill poyappol reject cheyythu, Ellam ok aayuirinnu, Ente salary bakki kaaryangal okke, But Ente sthalathinte mun aadharam Nashatta maayirinnu, Ath ippol kayyi vasham illa... Mun Aadharam illathe loan kittillannu urappano? Atho mattu endenkilum vazhi undo Loan labikkan? Kindly Waiting for your Answer...
Sadarana bankukal ith poleyulla rekhakhal nokkiyanu approve cheyyuka. Govt departmentil samsarich ith kittuvan vazhiyundo ennu nokkuka. Mattoru bankumayum samsarich nokkuka.
Thanku sir
❤️
Home upstair edukkan... Home loan edukkumbol veedinte documents vechitt alle edukkuka..? Athpole thanne monthly EMI adakkunnath ano nallath...or.. Nischitha year il adach theerkkunna reethiyil edukkunnath ano nallath?. Plz give me rply sir.
Monthly emi is a good option, also start investing in SIP
Sir husband lorn edtapo nomini njn anu appo enik lorn kittumo
Sbi nri home loan approval aayi, first installment kitty, athinu shesham nri job nirthendi vanal balance installment kitan prashnam undakumo
Loan repayment period nammal ano decide cheyyunnath, or bank. Long period or short which is best..
Best is shirt period. Interest will be less
ഞാൻ മുമ്പ് ഹൗസിംഗ് ലോൺ 4,50,000 എടുത്തിരുന്നു ഞാൻ ഒരു പ്രവാസി ആണ് HDFC yil ninnum loan kitti അവര് ഒറിജിനൽ ആധാരം വാങ്ങിച്ചു...EMI amount NRI accountil (SBI) yil ninnum HDFC Ella മാസവും automatic clearing system aayitt withdraw ചെയ്യും പക്ഷേ ലാസ്റ്റ് എത്തിയപ്പോൾ sbi bank paranju നിങ്ങളുടെ ലോൺ കഴിഞ്ഞ്...പക്ഷേ HDFC bank paranju loan കഴിഞ്ഞിട്ടില്ല return aayi cash SBI yil ഉണ്ടായിട്ടും HDFC ക്ക് withdraw cheyyan pattiyilla...angane njan veendum 5 thavana HDFC ബാങ്കിന്റെ ലിങ്കിൽ നിന്നും ഫുള്ളും തുക അടക്കേണ്ടി വന്നു return interest um അവർ എടുത്ത്...ഇതിനെതെങ്കിലും ചെയ്യാൻ പറ്റുമോ
ഹായ് , സുഖമെന്ന് കരുതുന്നു . എനിക്കൊരു സംശയം ഉണ്ട് .
ഒരു കസ്റ്റമർ ഹോം ലോൺ അപ്ലൈ ചെയ്യുമ്പോൾ ഏതു ലെൻഡിങ് റേറ്റ് ആണ് തിരഞ്ഞെടുക്കേണ്ടത് ? MLCR /EBLR /RRLR ?
താങ്കളുടെ മറുപടി പ്രതീക്ഷിക്കുന്നു . നന്ദി
Very good information ☺️
Good and useful video, I want to know - how many home loans can a single person can take? Also how many times a person can take top up loans from the existing home loan.
More than 2, will become real estate loan and will have more interest rates.
Njangal 15 lakhs villa vangiyal kollamennud..ippol rent nanu thamasikkunnath.. Husband nu govt job und.. Eth bank aanu loan edukkan nallath.. LIC mosamanennu commend kandu.. Please give me a suggestion sir..
Sir
I took a land loan 16 lakhs for 5 years from HDFC bank on 2016 with the floating interest rate of 9.65%
Since the interest rate is floating when it's reduced I asked them to change it to the new rate but they asked a processing fee of Rs.4500 to change the same
So I didn't change it
My doubt is, is it mandatory to pay a processing fee whenever the rate changes
Now only one more year for me to complete the loan
My EMI is 33500
Can you please help me with this as my interest rate is more than the normal
Please contact me on +91-9567337788
HDFC Home loans starting from
6.95%* p.a.
+919539530005
@@arjunpvijayan6638 2 cent main road plotinu loan kittuvo, veedu vaykkaanaanu
Very useful informarion👍
❤️
@@MoneyTalksWithNikhil halo sir..
@@globelobserver9369 hello
സാർ കഴിഞ്ഞ 8 മാസം മുൻപ് ഒരു ലോൺനു അപേക്ഷിച്ചിരുന്നു ( മെയ്ന്റൻസ് ) നയി , അവർ പറഞ്ഞ എല്ലാ ഡോക്യൂമന്റ് കൊടുത്തു ( സെൻട്രൽ ബാങ്ക് ), ഞാൻ പ്രെവാസിയാണ് ഏകദേശം 20, 000 രൂപയോളം ഇപ്പ്പോൾ ഇതിനായി ചിലവായിക്കഴിഞ്ഞു , ഇതുവരെ ലോൺ ശെരിയായിട്ടില്ല, ഇനി എന്താണ് ചെയ്യണ്ടത് എന്തെങ്കിലും ഒരു മാർഗം പറഞ്ഞു തരുമോ 🙏🙏😞
Sir already loan edth ad vera bankilek matannenu adin edan cheyandad
Dayavayi mattan udheshikkunna bankine contact cheyyuka
cibil score, salary slip und, veed vaykan sthalavum und, four wheeler access ulla sthalam aan, but propery village areayil aan. Hdfc,sbi oke rural areayil loan kodukkumo.
Yes. Documents aayi bank manager contact chrythal mathi
Call me sir... I can help you. 8943997271
Credit score entha?? Previous loan nte info ano
Sir, please do a video on education loan too. U r help the society a lot. Wish u all success
sure, will do.
വളരെ informative ആയ ഒരു വീഡിയോ ❤️
Thank you
Sir, can you do a video on taxation of capital gains, dividends,... etc.
What are the strategies to avoid hefty taxes for both short term and long term investment?
More situational, please call if you have any specific questions
We mother&3daughters got a commercial cum residential loan
for a building. from HDFC.Iam agov employee (2nd daughter) submitted the salary CFT forthe loan. TheEMI
is paid through my account
Can I claim for the TAX deduction??
The land isowned bymother&3daughters. The flatsin the building is not separately registered
What steps should I do to claim for the TAX deduction
Savings bank account tax enganey ennoru video cheyamo sir
Cheyyam . Thanks for the comment
There is one more method. Every year pay additional amount to the tune of Rs 50 K to 1 lakh to the Principal and reduce the tenure of the loan by 2 to 5 years by slightly increasing the monthly EMI according to your payment capacity. The additional amount paid should be fully adjusted to the Loan Principal and reduce the balance no of years of loan to be paid
Sir good
What happens to the loan if a borrower is dead ?
Sir Axis bankil ninnum 6.65 %loan nalkamn paraunu but netl search chythapol 7.72% anu intrst kanikunath sbi il anu etavum kuravu rate kanikunth so can u plz clarify this
Please ask EMI ethra varum enn. 1 lakshathin ethra adavu ennu chodikku. Sadharana SBI aanu kuravu.
@@MoneyTalksWithNikhil ok sir thank u
Sir share property ullavarkk bankil ninnu loan kittan vazhiyundo??
Float &flat intrest എന്താന്നെന്നെ വ്യക്തമാക്കുമോ sir?
Loan kelkkunnathe pediya
... sib il നിന്ന് എടുക്കാൻ tbeeeumanichu peppers sariyakkan aniyan, kure nadannu ellam koduthapol സ്ഥലത്തിന്റെ 3 തലമുറയുടെ മുൻ ആധാരം വേണമെന്ന് പറഞ്ഞു reject ayi. Then വേറെ ബാങ്കിൽ poyi.. feb to ഓഗസ്റ്റ് വരെ നടന്നു വീണ്ടും papers sariyakki... salary monthly 25 above വേണമെന്ന് പറഞ്ഞു അതും reject ayi......ഇപ്പോ ആ സ്ഥലം അവിടുണ്ട്...... അതാ ആശ്വാസം
(ഏറ്റവും രസം ചോദിച്ച ella documentsum കിട്ടി ) അവർക്കു salary pora 20000 undayirtum
Ethra amount aanu edukkn poye?
I have taken Rs 15, 00, 000/- home loan. But i haven't added any insurance covverage for my home. Is it possible to add any insurance scheme now?
U should take insurance as soon as possible , because if anything happens to ur life through accident or through any disease due to cancer or other type of disease , where u can't go for work , then the insurance company will pay the full amount and u will be free from loan for ever .Only a small amount of 25000 for 5 years need to be paid for 15 lakhs . Contact ur bank branch to pay this insurance through bank.
Great informations.
Q1- Adharathinu purame check leafum mudra pathravum. Vangi vekkunnundu. Athukondu any problem...?
Q2- Housing finance limited ninnum loan edukkunnakondu any problem...?
Q3- Loan close cheyyumbol endokke sradhikkanam...?
Pls. Answer
1.ബാങ്കിന്റെ compliance നടപടികളുടെ ഭാഗമായാണ്
2. No problems
3. Please collect your documents and cheques also loan closure letter from the bank. It's better you contact bank
Sir i am a farmer..i don't have an salary slip...which document i provide to bank?? am i eligible for a home loan???..i have land for making home
jomal joseph tax paid ?
Sir enik NRe act Kerala yil aanu. But I am gonna settle in karnataka. Avide stalam vangi. But home loan enik keralathile nilavilulla bank il ninnu edukkan saadikkumo?
Submit the documents and speak to manager
@@MoneyTalksWithNikhil thank u sir
Sir nattil thrissur ano evide ane place
Kodungallur ane
സർ ഞാൻ ഒരു ഹോം ലോൺ എടുക്കാൻ താത്പര്യം ഉണ്ട് അതുപോലെ ഒരു sip ഇൻവെസ്റ്റ്‌ മെന്റ് ചെയ്യണം എന്നുണ്ട് ഇതിനെ കുറിച്ച് ഒന്നും എനിക്ക് അറിയില്ല. അഭിപ്രായം ഒന്ന് പറഞ്ഞു തരുമോ
HDFC Home loans starting from
6.95%* p.a.
+919539530005
എനിക്ക് ലോൺ എടുക്കണം എന്നുണ്ട് പക്ഷെ അച്ഛന്റെ പേരിൽ ആണ് സ്ഥലം. അച്ഛനു സാലറി സ്ലിപ് ഇല്ല. അച്ഛനെ co applicent ആക്കി എന്റെ പേരിൽ ലോൺ ചെയ്യാമോ?
Cheyyam
നമ്മൾ ഒരു ലോൺ എടുത്തിന് ശേഷം റിപ്പോ റേറ്റിന് അനുസരിച്ച് ലോൺ interest rate ബാങ്കുകൾ സ്വമേധയാ കുറയ്ക്കുമോ അതോ നമ്മൾ പ്രത്യേകമായി ആവശ്യപ്പെടേണ്ടതുണ്ടോ?
MCLR നെ കുറിച്ച് ഒന്നു വിശദമാക്കാമോ...
Thangal request cheyanam.
Minimum interest rate banknte
It will be automatically reduced or increased based on MCLR. No need to put request
👌👌👌
H. D. F. C. യിൽ നിന്നും എടുത്താൽ ഒരു ഗുണം ഉണ്ട്.... ആർക്കും അറിയാത്ത ഒരു കാര്യം....
👹 ഒരിക്കലും അടച്ചു തീരില്ല 👹
Loan EMIയുടെ കൂടെ additional ആയി കുറച്ചു തുകകൂടി അടച്ചാൽ വേഗം ലോൺ ക്ലോസ് ചെയ്യാൻ സാധിക്കും
@@MoneyTalksWithNikhil അങ്ങനെ ചെയുമ്പോൾ ഇന്റെരെസ്റ്റ്‌ ഇൽ മാറ്റം വരുമോ??
@@stuthy_p_r ഇല്ല
Sir
ഞാൻ, ഹോം ലോൺ എടുക്കാൻ ഉദ്ദേശിക്കുന്നു.. ഞാനും വൈഫും salaried employees ആണ്,എന്റെ സംശയം, പത്തു വർഷം കൊണ്ടു ലോൺ അടച്ചു തീർക്കാൻ ആണ് ഉദ്ദേശിക്കുന്നത്,നമ്മൾ 15 വർഷത്തേക്ക് ലോൺ പീരിയഡ് വച്ചിട്ട്, പത്തു വർഷം കൊണ്ടു ലോൺ അടച്ചു തീർക്കുന്നതാണോ? അതോ 20 വർഷം ലോൺ പീരിയഡ് വച്ചിട്ട്, emi യോടൊപ്പം കുറച്ചു തുക കൂടുതൽ അടച്ചു പത്തു വർഷം കൊണ്ടു ലോൺ ക്ലോസ് ചെയ്യുന്നതാണോ നമുക്ക് സാമ്പത്തിക ലാഭം കിട്ടുക, ദയവായി ഈ സംശയത്തിന് മറുപടി തരുമോ?
8 cent sthalam und 10lakh veedu vekkan kittumo?
Sir aniku 5cent plot und ,oru veedu vekkan njan loan adukan anthu cheyanam salary illa
Bank home loan tamil nattil stay cheythu keralattol vangankazhiyumo
Eath bankil anu ?