6 வருடம் முன்பு 31 லட்சம் வாங்கின வீடு தற்போது 60 லட்சம். EMI வட்டி மூலதனம் கையிலிருந்து போட்ட பணத்திற்கு வட்டி என அனைத்தும் கணக்கு பார்த்தால் கூட 45 லட்சம் வருகிறது. மீதம் 15 லட்சம் லாபத்தில் உள்ளது. அது மட்டுமல்ல வாடகை வீட்டில் பல வருடங்கள் நிலையாக இருக்க முடியாது. பெட்டி தூக்கிகிட்டு ஓடிகிட்டே இருக்கனும் அடிமை வாழ்க்கை. சுயமாக நாம் தங்கி emi கட்டி வாழ்ந்தால் லாபம் மட்டுமே.
வாடகை வீட்டில் சாவதற்கு அனுமதி இல்லை.... உண்மையில் சொந்த வீடு வாங்குவது நன்றாக வாழ்வதற்காக அல்ல... நிம்மதியாக சாவதற்கு.... வாடகை வீட்டில் பெரியவர்கள் யாரேனும் மரணித்து விட்டால் அந்த வீட்டு உரிமையாளர்கள் கோபம் கொள்கிறார்கள்.... அப்போது இறந்தவர்களின் பிள்ளைகள் படும் பாடு... அப்பப்பா..😢 வார்த்தைகளால் சொல்ல முடியாதவை.... ஆதலால் தான் மிகவும் சிரமப்பட்டு எல்லோரும் வீடு வாங்க எண்ணுகிறார்கள்.... ஒவ்வொரு மனிதனும் தன்னுடைய இறுதி நொடியை எண்ணி பார்க்கிறான்... ஆதலால் தான் தன் குழந்தைகளுக்கு பின்னாளில் எந்த தொந்தரவும் யாராலும் வர கூடாது என்பதில் கவனமாக இருக்கிறான்... ஆக.... வாழ்வதற்கு வீடு தேவை என்பதைவிட... சாவதற்கு வீடு தேவை என்பதே உண்மையாக இருக்கிறது.....🙏
Most of the financial advisors are sitting their own home/house, advising normal public do not buy house in Home Loan. I would like to list my point 1. Say for example I am taking house for at 10k at present 2024. 2. 10k wont be remain same until 2054 3. Though I use to save or invest a part of my income. 4. After 50years of age during my retirement, I will be in rental home. 5. May be based on inflation, same type of rental home's rent would be at 50k or 70/month. 6. Here am saving something to make my house owner live better. 7. one day I will be no more, my son or daughter. Again they will start their life from Rental Home. 8. If i bought a Home, I may close the loan at 50+age. Thats my own property neither i can sell or can give for lease or for rent. 9. At least for son or daughter will start their life from their own house. Or They will sell and buy somewhere else they need. 10 Financial advisors, FREE ADVISE - DON'T BUY HOME in HOME LOAN. Lehman, okay sir, HOW DO YOU ABLE TO ACHIEVE FINANCIAL FREEDOM, PLEASE TEACH ME SIR. Again Finance advisors, BUT THIS WOULD COST SOME AMOUNT and NEED SOME CAPITAL to START INVEST...... Not blaming everyone, there are so many good finance advisors taught their thoughts at free of cost
Correct even, who is giving rent for 12k in Chennai that too in flat. Impossible and even we won't complete the full 20years before that we will try to finish the loan which we taken. Extra money we have because of the interest but it is not double the amount which we have brought.
correct.... loan or commitment iruntha thaan life la oru thrill irukkum.. seekiram loan close pannanum next high pay salary ku move aavom.. planning irukkum..
Middle class people always prepared to purchase own Home. It was emotional and get satisfied living own home. We can comfortable to pay 20 percentage of salary to EMI. Beyond it was difficult
Super points...10. point one addition. All these advisors try to sell a dream of Financial freedom..to actually know and verify that we need to stay invested for 30+ years..by that time, what will change in tax, inflation ,or even our life no one knows...better to buy now house and live happily
Flat என்றால் பின்னாளில் அதை விற்பது கடினம். சரியான விலையும் கிடைக்காது.தனி வீடு என்றாலும் குறைந்தது ஒரு கிரவுண்ட் நிலத்தில் இருந்தால் பின்னாளில் இடத்தின் விலை அதிகம் கிடைக்கும்.வீடு வாங்குவதை விட வீட்டு மனை வாங்குவது லாபம்.
ரொம்ப புத்திசாலியா இருக்குரத்து தப்பில்ல மேல் வீடு வாடகைக்கு விட்டா அதே 12000 வரும் அப்ப மீதி 20000 தானெ லோன் கட்ட போரொம் எங்க அப்பா 25 வருசத்துக்கு முன்னாடி 180000 கொடுத்து கிராமத்துல விவசாய நிலம் வாங்கினாறு இன்னக்கி அதோட மதிப்பு 50லட்சம் ருபா பணம் கைல இருந்தாலும் Bankல இருந்தாலும் செலவு ஆயிடும் அதுமட்டும் இல்ல நம்மலோட லட்சியம் என்பது மாரிவிடும் கணக்கு பார்க்காம சொத்து வங்குரது தான் புத்திசாலிதனம்
Home emi 20 K kattalam But home vangama yaarum antha amount SIP la save pannamatanga😊😊 Emi is must to pay But saving 20K SIP is not compulsory So yarum intha concept follow pannamatanga
that depends on the mindset of individuals. You have to think like saving 20k permonth as compulsory and anyway it will autodebit from your account. You should consider spending each month by reducing this 20k per month. In this way you are saving silently and then comes the power of compounding which will result in making you rich without much hustle.
1. Dont take 80 to 90 percent Loan 2. Have a good initial payment 3.inverst in SIP ( MF, stocks ) etc 4.follow what this guys says ( pay 13months EMI ) to reduce tenure 5.escape from paying tax using HL Too much of anything is good for nothing ❤
simple rule of thumb in Investment: If the return on investment ROI is less than the Inflation rate, then it is not a good investment. More nuance exists but a simple rule as above is a guidance
Mutual fund calculation பார்ப்பதற்கு அருமையாக இருக்கும்.. மொத்த சேமிப்பு கையில் கிடைக்கும் போது அதன் மதிப்பு பாதியாக இருக்கும் அல்லது 75% இருக்கும்.. வீடு வாங்கினோமா நிம்மதியாக இருந்தோமா.. போட்ட பணம் திரும்ப கிடைக்குமா என்ற கவலையில்லாமல் இருந்தோமா.. நடுவுல சேமித்த பணத்தை கை வைக்காமல் இருந்தோமா.. வீடு வாங்கியவர்கள் அதை ஆமோதிப்பார்கள்.. முயுட்சுவல் பண்டில் போட்டவர்கள் அதை ஆமோதிப்பார்கள்... புத்திசாலி பண்டில் இருக்கும் பணத்தை எடுத்து நடுவுலேயே சொந்த வீடு வாங்குறான்
In the last 25 years, seen house prices grow from 10 lakhs to a 1 crore. No wonder that it will reach 100 crore in another 25 years if inflation and population growth stays at the current level. Can't believe that if real estate return is only 3.8% which is lower than the inflation of 5 to 6%, the prices should go backward and it should make more people to afford own house.
There are many other parameters which are not taken into account. For instance the cost of the house never remains static. It will enormously escalate which means in reality buying a new house after so much of savings will continue be a distant dream after 13 or 20 years even in sub urban areas. Further one cannot keep on moving in uncertainty which may cause many other stress like commuting, schools for children and other facilities. Therefore one has to be more pragmatic and highly cautious about their choice considering the real life situations instead of just financial considerations.
It's simple vadaga kudukkara panathai bank kadana vangiyavudu sontha vdu kattavo vanguvadum best option 👉niga vatti thane next yosikiringa see 10/cent 10/ Laksam bank kadanvangina adikkavendiyadu 16/17/Laksam analum 7 laksam extra Unga Panam pogudu 15years but antha 15years land rate 3 madangum adigarikkum appadi edamparthu vanganum appo 10/laksam edam 15 years 60/70 /Laksam range pogum adukkumela povum depend on are lands appo labam 50/laksam kidaikkum edu vadaga vttil irunthal kidaikkuma????
There are lot of factors to consider. Like actual inflation is not 5%, There is maintenance cost if you own a house. This dosent give a whole picture. More detailed analysis required. But in any case renting should be better. There are also some factors to consider like fnding the right house for rent, some charge a higher electric tarrif, there will be a lot of restrictions. For the MF returns he dosent consider post tax return
correct renting is fine..but his analysis has to be even more detailed..he didnt consider many aspects of renting like house rent, maintenance..and captial gain tax on long term investment..all those
8:30 1 crore investment and 15 lakhs return after 20 years statement for which both giggle is not a valid argument. 1. The homeowner did not pay 1 crore upfront i.e before 20 years. They paid a total of 1 crore and something at the end of 25th years. 2. They lived in the property for all 25 years (you cannot live the in the bank if had a deposit!) 3. There was a potential to have rented out part of the property and received a rental income. 4. There’s a possibility that the homeowner could have borrowed some money against home equity in an emergency 5. From the homeowner’s perspective they have lived in the house for 25 years, now own the house and also profitable. One must own the house they live in. Period. The argument that rental is cheap vs owning is a moot point. It is basic supply vs demand. If everyone wants to rent, rental prices will go up and corporates will build apartments and rent them out. It will become just another subscription like Amazon, Netflix, Disney, Mobile phone. You’ll never own anything; you are only entitled to enjoy the convenience as long as you pay or you are allowed to!
On purchase of a house, you have not added the calculation on interest for ₹10,00,000/- for 25 years. And also subtract rental income with inflation for 25 years.
I have been in the same ideology for quite some time using the above/similar BUY vs RENT calculations. Now i did my own calculation and found flaws in these type of calculation. Flaw in the calculation shown in this case is - How can you continue to invest 20K SIP throughout the EMI period when you have monthly rent that has 5% inflation? Monthly SIP investment will reduce YoY at the rate of 5% and at one point your EMI and monthly rent will be same. Beyond that point, the rent will be more than the EMI. Hence, the return on SIP investment calculation is wrong.
stupid idea my partner also gave. 30 lakh house became 60 lakh....still in rental. 40 lakh house became 1 crores....in 10 years whenever I cross those areas ....what we missed shedding tears and scolding myself. (Still my partner is giving idea to people not to buy house 😂😢)we could have bought 2 houses....but because of poor financial decision....still in rental.
Yeah always better to invest in real estate. These finance gurus calculations are good in excel but not real life. All wealthy people have many real estate. I missed it too. Know the pain.
My father alsofid the same mistake.. We suffered a lot in rented home.. Once I started earning within 3 years I bought a small home.. Of course my father died peacefully in that home and my amma also spent her rest of her life there.. Neenga fight panniachum avaru mind a mathi veedu vangunga..
it is not good plan , house loan plan is best because for example after 15 year u r not possible purchase house in ur compatatable place and house owner give more tensenon and own house is always best and good compare rent house
Please also consider tax benefits from home loan. In old regime i have 3.5Lacs of tax benefit. When i am in 15% slab rate, it saves me 52k per year and at same time i can claim HRA (When i am working far (>25kms) from my own house ). This distance is normal in Chennai like big cities
வாடகை வீடு பெஸ்ட். கொசு கடிக்குதுன்னு கூட ஓனர் கிட்ட முறையிடலாம். கழிவு நீர் கால்வாய் அடைப்பு சிறு மின்சார தகறாரு எல்லாத்துக்கும் ஓனர் தான் பொறுப்பு. வாடகை மூணு நாலு மாசத்துக்கு ஒரு தடவை தரலாம். சென்னையில பராமரிப்பு செலவுன்னு தனியா வாங்கிடறாங்க. நகர்புறங்களில் வருமம் இல்லை. ஓனருக்கும் குடி இருக்கிறவங்களுக்கும் கஷ்டம் தான்.
Sir please consider rentel value of home which is 25years x 15000(avg rental inflation adjusted for 25 yrs)=4500000 laks also he saved from the rental Then profit should consider as Amount spend for house as 1.6 cr + house valuation 1.22cr = 16laks return profit from house and he avoid rental amount for 25 yrs + 45laks If he invested the rental amount 15000 for evry months in mutual fund lets consider 12% return as componded the value around 2.40 crore profit + invested value 45laks (for 25 years period) So TOTAL PROFIT 2.85 CRS In 25 years.... * value for house =1.2cr * rental he saved in fixed dep= 45laks * return gained from MF (12%componded ) 2.4CR TOTAL WEALTH in 25 years= 3.5cr So its also good investment and not bad ( its only aplied ..if person montly salary is 70000+ Emi. 35000 SIP 15000 Expense 20000 TOTAL 70000
May be correct....but we should move towards urban to buy home.... reason is very simple government concentrating all facilities like metro etc...only in city...so cost is high... instead they would have planned initially all metro line upto outer city limit...15 years back city limit is Guindy...sio metro they could start initially from chengelpattu to Guindy... then people would have moved...all will get house for lesser price...like that infrastructure would have developed....in all directions....so ultimately government not done anything to public...to live public only ingesting...even rented house pain' or owners is too much... especially towards eb charges....
As a human we need emotions ryt .. there are too many issues in rental house there won't be freedom to consume water as much as we need no freedom to draw something in the wall , no freedom to have a guest more than a week ,no freedom to have a car parking if we bought one , no freedom to conduct functions or make preparations for functions in the house , no freedom to enjoy loud music , no freedom to leave slippers as we wish , no freedom to fill in forms with permanent address , no freedom to stay as long as possible as we wish , no freedom to improve the infra if we wish........ Living without emotions to save money may seem financially good for people who are not practically living it ... But won't be the same practically
What will be the value of Rs 1 crore after 10, 20 or 30 years? Assuming a 6% inflation rate, the value of Rs 1 crore will diminish to Rs 55.84 lakh. This shows the impact of inflation on long-term savings and investments. Looking further ahead, after 20 years, the value of Rs 1 crore will shrink to around Rs 31.18 lakh, factoring in 6% inflation. Finally, after 30 years, Rs 1 crore will be worth approximately Rs 17.41 lakh in today’s terms.Additionally, if an investment product offers a 6% return, you’re not actually gaining anything, as inflation at 6% effectively cancels out your returns. By financial express news paper.
I think your calculation is wrong. If a person chooses rental house and uses the remaining amount for SIP he will be able to SIP 20k only in the first year. Next 12 years the sip amount with reduce by 5% due to increase in rent as you said and at one point he will not be able to sip due to increase in rent above 32k
@@Dhilip007but if I buy a house my EMI remains same. Few years back , interest was less than 8.5%. if I get more salary, I repay my loan amount. so it will reduce my interest
Finance தம்பி .. emotional இல்லாமலே பார்த்தாலும் after 25 years .. in rent house .. nothing on hand .. How do aged people move house to house for rental😮
நீங்க ஈஸியா சொல்லிட்டீங்க பெட்டிய தூக்கிட்டு அலையும் போது அந்த கஷ்டம் தெரியும்.. வயதான காலத்தில் மிக கஷ்டம்.. வீட்டு ஓனர் காலி பண்ணுங்க எங்கள் சொந்த உபயோகத்திற்கு வேண்டும் என்று 3 மாசம் டைம் தருவார் பாருங்க அங்கே நிம்மதி போக ஆரம்பிக்கும்.. இந்த கஷ்டம் எல்லாம் அனுபவிச்ச அப்புறம் தான் நஷ்டம் ஆனாலும் பராவாயில்ல சொந்த வீடு தான் நல்லதுன்னு போன அப்புறம் தான் நிம்மதியா இருக்கு
Bad idea.. For many middle class people like me, living in an own house is a dream.. Vaalibha vayasu la total money'a SIP la pottutu, Kilavan aanathuku aprm crore rupees vachu ennatha enjoy panrathu. Nalaiku'nu onnu kidaiyathu, anyone shall die anytime. So, innaiku vaalthalum namaku pidicha mari vaalthutu sethudanum. 20 years ku aprm namma uyiroda irupoma nu enna guarantee?? Also, oru person eppavumey veedu vaanga decide pannita, job place, school place etc. ellathukum near la vaanga try pannuvan. In your case, veedu job place ku nearby la kidaikalaina enna pannuvan? We cannot assure job place pakkam veedu 12k ku kidaikum nu.. Avan avan 40kms travel panni job poitu irukan. Travel expenses neenga sollavey illaye!! Intha thollai, travel tiredness, health issue, rental price increase, house owner torture nu more things are there. To avoid this only, all people are trying to purchase their own house. So, neenga mutual funds pathi yaravuthu yemanthavan kita poi promote pannunga sir..
ஏம்பா நிபுனரு; அடுக்கு மாடி வீடுகளில் கூரை, தரை,நான்கு பக்கவாட்டு சுவர் உணக்கு சொந்தம் கிடையாது. அடுக்கு மாடி 100ஆண்டு கழித்து பலம் இழந்து இடிக்கும் போது உணக்கு வீடே கிடையாது. ஏதோ வெற்றிடத்தில் குடியிருந்து வாடகை கொடுக்காமல் வாழ்க்கை வாழ்ந்தது தான் மிச்சம்.😢
Explanation Excel Sheet: www.tradeachievers.com/buy-or-rent-a-house-calculations.xlsx
Thank you for giving this
Please give old emi video Excel sheet
0
Excel sheet for emi capculation video
6 வருடம் முன்பு 31 லட்சம் வாங்கின வீடு தற்போது 60 லட்சம். EMI வட்டி மூலதனம் கையிலிருந்து போட்ட பணத்திற்கு வட்டி என அனைத்தும் கணக்கு பார்த்தால் கூட 45 லட்சம் வருகிறது. மீதம் 15 லட்சம் லாபத்தில் உள்ளது. அது மட்டுமல்ல வாடகை வீட்டில் பல வருடங்கள் நிலையாக இருக்க முடியாது. பெட்டி தூக்கிகிட்டு ஓடிகிட்டே இருக்கனும் அடிமை வாழ்க்கை. சுயமாக நாம் தங்கி emi கட்டி வாழ்ந்தால் லாபம் மட்டுமே.
poda mental...idhuku dhan urupadiya padi nu soldradhu
for 31L, FD 232500Rs/year * 6 years=13,95000 interest, + principal 31L== 44,95000 Rs. So Rented house is helpful to bulid huge corpus amount.
@@paaripedia2045 MY HOUSE VALUE 60 LAKHS SO 15 LAKHS PROFIT. asper your calculation 44,95,000/- at present home value 60 lakhs
வாடகை வீட்டில் சாவதற்கு அனுமதி இல்லை....
உண்மையில் சொந்த வீடு வாங்குவது நன்றாக வாழ்வதற்காக அல்ல...
நிம்மதியாக சாவதற்கு....
வாடகை வீட்டில் பெரியவர்கள் யாரேனும் மரணித்து விட்டால் அந்த வீட்டு உரிமையாளர்கள் கோபம் கொள்கிறார்கள்....
அப்போது இறந்தவர்களின் பிள்ளைகள் படும் பாடு... அப்பப்பா..😢
வார்த்தைகளால் சொல்ல முடியாதவை....
ஆதலால் தான் மிகவும் சிரமப்பட்டு எல்லோரும் வீடு வாங்க எண்ணுகிறார்கள்....
ஒவ்வொரு மனிதனும் தன்னுடைய இறுதி நொடியை எண்ணி பார்க்கிறான்...
ஆதலால் தான் தன் குழந்தைகளுக்கு பின்னாளில் எந்த தொந்தரவும் யாராலும் வர கூடாது என்பதில் கவனமாக இருக்கிறான்...
ஆக....
வாழ்வதற்கு வீடு தேவை என்பதைவிட...
சாவதற்கு வீடு தேவை என்பதே உண்மையாக இருக்கிறது.....🙏
💯 உண்மை..
Humanity died long back. So that only God is sending many natural calamities
Nee sethathukappuram sontha veetla sethennu etti pakka poriya paithiyakarathanam
Rent housel ownerukku 10k koduthal rendu nal kalichukooda bodya edukkalam
Idthu 200 percent unmai
Only rental people can understand the value of their own house... finance analysts won't 😊
Away from the owner's individual rental house is best
No problem in living there
Yes
True
Emotionala thali vai.... Financial a Yosiii Kumaruuuuuuu...
@@kodeeswaranramachandran183 emotions illamaa panam vachu enna panna Kumaru...
Most of the financial advisors are sitting their own home/house, advising normal public do not buy house in Home Loan. I would like to list my point
1. Say for example I am taking house for at 10k at present 2024.
2. 10k wont be remain same until 2054
3. Though I use to save or invest a part of my income.
4. After 50years of age during my retirement, I will be in rental home.
5. May be based on inflation, same type of rental home's rent would be at 50k or 70/month.
6. Here am saving something to make my house owner live better.
7. one day I will be no more, my son or daughter. Again they will start their life from Rental Home.
8. If i bought a Home, I may close the loan at 50+age. Thats my own property neither i can sell or can give for lease or for rent.
9. At least for son or daughter will start their life from their own house. Or They will sell and buy somewhere else they need.
10 Financial advisors, FREE ADVISE - DON'T BUY HOME in HOME LOAN. Lehman, okay sir, HOW DO YOU ABLE TO ACHIEVE FINANCIAL FREEDOM, PLEASE TEACH ME SIR. Again Finance advisors, BUT THIS WOULD COST SOME AMOUNT and NEED SOME CAPITAL to START INVEST...... Not blaming everyone, there are so many good finance advisors taught their thoughts at free of cost
Correct even, who is giving rent for 12k in Chennai that too in flat. Impossible and even we won't complete the full 20years before that we will try to finish the loan which we taken. Extra money we have because of the interest but it is not double the amount which we have brought.
correct.... loan or commitment iruntha thaan life la oru thrill irukkum.. seekiram loan close pannanum next high pay salary ku move aavom.. planning irukkum..
Nicely articulated.. They will ask to join there course
Middle class people always prepared to purchase own Home.
It was emotional and get satisfied living own home.
We can comfortable to pay 20 percentage of salary to EMI.
Beyond it was difficult
Super points...10. point one addition. All these advisors try to sell a dream of Financial freedom..to actually know and verify that we need to stay invested for 30+ years..by that time, what will change in tax, inflation ,or even our life no one knows...better to buy now house and live happily
நா இங்க சிமெண்ட்சீட் போடவா இல்ல. தகரசீட் போடவானு, பாத்துட்டு இருக்கேன், 20000rs வச்சுட்டு, 😮.என்ன மாதிரி பசங்களுக்கு தகரசீட் போடுறதே, மனசுக்கு நிறைவா இருக்கு.. 😻
வாழும் போது சொந்த வீட்டில் வாழ வேண்டும்... 50 வயசுக்கு அப்புறம் சொந்த வீடு வாங்கி வாழ முடியாது சாக தான் முடியும்
Earn in a metro by staying in rented house, build a dream villa in rural side for retirement.. This is the best option
உணவு உறைவிடம் ஈடுப்பு இந்த மூன்றுக்கும். இப்படி கணக்கு பார்க்கக் கூடாது. உங்கள் நிதி நிலைமைக்கு எற்றவாறு நீங்கள் தான் முடிவு எடுக்க வேண்டும்.
Ellam nama yerpaduthikolvathu kuliyala podurappa sonthaveeda vadagai veedannu parkava poran
Flat என்றால் பின்னாளில் அதை விற்பது கடினம். சரியான விலையும்
கிடைக்காது.தனி வீடு என்றாலும் குறைந்தது ஒரு கிரவுண்ட் நிலத்தில் இருந்தால் பின்னாளில் இடத்தின் விலை அதிகம் கிடைக்கும்.வீடு வாங்குவதை விட வீட்டு மனை வாங்குவது லாபம்.
எல்லாருக்கும் பட்ஜட்டில அல்வா கொடுத்துட்டாங்க.
அருமையான விளக்கம் தந்தீர்கள் மிக்க நன்றி 👌👍
அருமையான விளக்கம் நன்றி...சன் நீயூஸ்,திரு.கிஷோர் சார்
Brother your speech and planning was very nice. It's very useful for us
தெளிவான விளக்கம் சார் அருமை
ரொம்ப புத்திசாலியா இருக்குரத்து தப்பில்ல
மேல் வீடு வாடகைக்கு விட்டா அதே 12000 வரும் அப்ப மீதி 20000 தானெ லோன் கட்ட போரொம்
எங்க அப்பா 25 வருசத்துக்கு முன்னாடி 180000 கொடுத்து கிராமத்துல விவசாய நிலம் வாங்கினாறு இன்னக்கி அதோட மதிப்பு 50லட்சம் ருபா
பணம் கைல இருந்தாலும் Bankல இருந்தாலும் செலவு ஆயிடும் அதுமட்டும் இல்ல நம்மலோட லட்சியம் என்பது மாரிவிடும் கணக்கு பார்க்காம சொத்து வங்குரது தான் புத்திசாலிதனம்
Brilliant calculation bro.... I think about this plan . Thanks for the good information
Yes, I'm becoming fan of kishor sir... We are waiting for new usefull video. Thanks for your guidance...
Home emi 20 K kattalam
But home vangama yaarum antha amount SIP la save pannamatanga😊😊
Emi is must to pay
But saving 20K SIP is not compulsory
So yarum intha concept follow pannamatanga
you should consider Savings as compulsory then only investment will grow
that depends on the mindset of individuals. You have to think like saving 20k permonth as compulsory and anyway it will autodebit from your account. You should consider spending each month by reducing this 20k per month. In this way you are saving silently and then comes the power of compounding which will result in making you rich without much hustle.
follow panravan vaaluvaan..follow panadhan naasama povan..it depends how you take the advice
So you like to be a slave compulsorily
Sir sip skip ஆச்சின்னா நான் slip ஆயிடுவேனே அப்ப என்ன பண்ணறது😂
😂
1. Dont take 80 to 90 percent Loan
2. Have a good initial payment
3.inverst in SIP ( MF, stocks ) etc
4.follow what this guys says ( pay 13months EMI ) to reduce tenure
5.escape from paying tax using HL
Too much of anything is good for nothing ❤
This is the correct way to own a house
நன்றி SIR.! இருவருக்குமே.
Nice explanation brother... 😊
Valuable information, Vazhga Valamudan Sir both of you
Super Masage sir. My mind is very clear..
simple rule of thumb in Investment: If the return on investment ROI is less than the Inflation rate, then it is not a good investment. More nuance exists but a simple rule as above is a guidance
சூப்பர் ஐடியா
Mutual fund calculation பார்ப்பதற்கு அருமையாக இருக்கும்.. மொத்த சேமிப்பு கையில் கிடைக்கும் போது அதன் மதிப்பு பாதியாக இருக்கும் அல்லது 75% இருக்கும்.. வீடு வாங்கினோமா நிம்மதியாக இருந்தோமா.. போட்ட பணம் திரும்ப கிடைக்குமா என்ற கவலையில்லாமல் இருந்தோமா.. நடுவுல சேமித்த பணத்தை கை வைக்காமல் இருந்தோமா.. வீடு வாங்கியவர்கள் அதை ஆமோதிப்பார்கள்.. முயுட்சுவல் பண்டில் போட்டவர்கள் அதை ஆமோதிப்பார்கள்... புத்திசாலி பண்டில் இருக்கும் பணத்தை எடுத்து நடுவுலேயே சொந்த வீடு வாங்குறான்
எல்லாரும் வாடகை வீட்டுல இருந்தா யார்தான் வீடு கட்டி வாடகைக்கு விடுறது 😮😅
எல்லாம் சரி மாதம் 10000 ,15000 சம்பளம் வாங்குற எங்களுக்கு எதாவது ஐடியா குடுங்க😢
500 invest pannuga
Nalla velaiya thedunga bro
Rental 5k
Expenes 7k
Emergency 1k
Investment in sip 2k
சூப்பர் வாழ்த்துக்கள்
6% inflation 30 வருடங்கள் கழித்து 17.41 லட்சங்கள் மட்டுமே.. வீட்டின் மதிப்பு உயரும்
😂😂😂😂😂😂 no value for house . Only value for Land . If already has a house , it needs to be demolished and re- built again
Thank you sir to your very good idea.
Super super super bro thanks u
Disclaimer : Mutual funds are subject to market risk😂
Yeah and assumption of 12% mutual funds is ok....but not guaranteed in future
Very well explained
After 25years calculating inflation same 40lak house would cost 1.5 to 2 crore in market..
after 25 years building not worth only land may be if in prime area ---thats the point of analysts.
Also we ruin money in the same of saving. Fully Drunk every day..
In the last 25 years, seen house prices grow from 10 lakhs to a 1 crore. No wonder that it will reach 100 crore in another 25 years if inflation and population growth stays at the current level. Can't believe that if real estate return is only 3.8% which is lower than the inflation of 5 to 6%, the prices should go backward and it should make more people to afford own house.
Hahaha are you drunk ?
Arumai Arumai
Super Sooooper ❤
Superb calculations sir
Excellent sir un beatable
Housing is easily affordable for only those working in abroad. Maximum buying from them only.
There are many other parameters which are not taken into account. For instance the cost of the house never remains static. It will enormously escalate which means in reality buying a new house after so much of savings will continue be a distant dream after 13 or 20 years even in sub urban areas. Further one cannot keep on moving in uncertainty which may cause many other stress like commuting, schools for children and other facilities. Therefore one has to be more pragmatic and highly cautious about their choice considering the real life situations instead of just financial considerations.
Good video. Thanks
Gain ur knowledge market is always ultimate
Thank you so much sir
Thanks for your video 👍👍👍 very much informative
நீங்கள் சொல்வது சரிதான் ஆனால் இன்றைய கால கட்டத்தில சிஸ்டமாட்டிக்கா சேமித்து வைக்கும் பழக்கம் உள்ளவர்கள் எத்தனையாவது பேர்
எத்தனை சதவிகிதம் பேர்
It's simple vadaga kudukkara panathai bank kadana vangiyavudu sontha vdu kattavo vanguvadum best option 👉niga vatti thane next yosikiringa see 10/cent 10/ Laksam bank kadanvangina adikkavendiyadu 16/17/Laksam analum 7 laksam extra Unga Panam pogudu 15years but antha 15years land rate 3 madangum adigarikkum appadi edamparthu vanganum appo 10/laksam edam 15 years 60/70 /Laksam range pogum adukkumela povum depend on are lands appo labam 50/laksam kidaikkum edu vadaga vttil irunthal kidaikkuma????
Valid point
@@suganyajayakumar5418 🙄yes edu ennoda anubavam na 20/varusama vadaga vttula iruntha madam 6000/ 12 lakes mela kutgurkka vadaga last 2021 land vangune kadan konjam atha 1 year kadan meetine eppo 2024 antha land sale Pannine 4 lakes labam kidachudu marupadium adukuda konja Panam add panium bank loan vangium oru vttal vangittue eppo antha vtta vttralum kadan modal poga 15/laks Mela kidaikkum Adavadu 15 lakas 2020 investment plan panni senjadakku 2024 adoda Madippu 55/laksam ippo irukku na munnadi bike car eppadi Panam waste Pannine eppo only vangana land edam mattum best option
Super 🎉super ha soninga
There are lot of factors to consider. Like actual inflation is not 5%, There is maintenance cost if you own a house. This dosent give a whole picture. More detailed analysis required. But in any case renting should be better. There are also some factors to consider like fnding the right house for rent, some charge a higher electric tarrif, there will be a lot of restrictions. For the MF returns he dosent consider post tax return
correct renting is fine..but his analysis has to be even more detailed..he didnt consider many aspects of renting like house rent, maintenance..and captial gain tax on long term investment..all those
Land / site rates are doubled in 7 year's
8:30 1 crore investment and 15 lakhs return after 20 years statement for which both giggle is not a valid argument.
1. The homeowner did not pay 1 crore upfront i.e before 20
years. They paid a total of 1 crore and something at the end of 25th years.
2. They lived in the property for all 25 years (you cannot live the in the bank if had a deposit!)
3. There was a potential to have rented out part of the property and received a rental income.
4. There’s a possibility that the homeowner could have borrowed some money against home equity in an emergency
5. From the homeowner’s perspective they have lived in the house for 25 years, now own the house and also profitable.
One must own the house they live in. Period.
The argument that rental is cheap vs owning is a moot point. It is basic supply vs demand. If everyone wants to rent, rental prices will go up and corporates will build apartments and rent them out. It will become
just another subscription like Amazon, Netflix, Disney, Mobile phone. You’ll never own anything; you are only entitled to enjoy the convenience as long as you pay or you are allowed to!
வாடகை வீடுதான் நண்மை காலத்துக்கும் பொருளாதர பிரச்சனை இருக்காது 👍
After recent budget, equations have changed!!!
Last point is valid only when your own house city is different from working city
Supper 👍
On purchase of a house, you have not added the calculation on interest for ₹10,00,000/- for 25 years. And also subtract rental income with inflation for 25 years.
Nama vanguna veetta evanum thookkittu poga mattan... Appadiye ponalum loan insurance vachu adjust agirum.... Nane poittalum home loan insurance vachu adjust pannikkalam...
But SIP la 12 percentage vanthathu nu sonnathu history... In feature yarum 12% iukku guaranty kodukka mudiyathu...😂
Ellam excell vilaiyattu thaan...
Sonthama 1 veedu venum... 2ndavathu vedu thevayanna theva illa... Athukku pathil investment polam... Athaan safe...
Ithu ennoda karuthu...
Yaravathu ippadi 20year serthu vachu ippadi veedu vangirukkangala? Ennakku theriyala...
Ore flat or house la 20year yarum nammala irukka vida mattanga...
I have been in the same ideology for quite some time using the above/similar BUY vs RENT calculations. Now i did my own calculation and found flaws in these type of calculation. Flaw in the calculation shown in this case is - How can you continue to invest 20K SIP throughout the EMI period when you have monthly rent that has 5% inflation? Monthly SIP investment will reduce YoY at the rate of 5% and at one point your EMI and monthly rent will be same. Beyond that point, the rent will be more than the EMI. Hence, the return on SIP investment calculation is wrong.
nice catch 😊 you are correct.. He is not adjust the SIP amount according to rent hike
dei mental..nee yena adhe salary ah yevlo varshathiku vangitu irupa?
super
Name : aarthi
Please : chengalpattu ❤😊
stupid idea my partner also gave.
30 lakh house became 60 lakh....still in rental.
40 lakh house became 1 crores....in 10 years
whenever I cross those areas ....what we missed shedding tears and scolding myself.
(Still my partner is giving idea to people not to buy house 😂😢)we could have bought 2 houses....but because of poor financial decision....still in rental.
Kavala padathinga priya
Yeah always better to invest in real estate. These finance gurus calculations are good in excel but not real life. All wealthy people have many real estate. I missed it too. Know the pain.
My father alsofid the same mistake.. We suffered a lot in rented home.. Once I started earning within 3 years I bought a small home.. Of course my father died peacefully in that home and my amma also spent her rest of her life there..
Neenga fight panniachum avaru mind a mathi veedu vangunga..
Since my childhood to till now we have only rental house but wish to buy one house 🏡 in future
Super sir
Thank u sir
I was in big confusion u cleared it.
📌❌But yarum entha SIP la invest pananumnu sola matanga athan twist ey 😅😅😅
Super sir super
Old age la above 50 almost life mudinjidum.. Neraiya per soldrathu crt happya vazhattiyum savurathuku oru veedu venum🎉
it is not good plan , house loan plan is best because for example after 15 year u r not possible purchase house in ur compatatable place and house owner give more tensenon and own house is always best and good compare rent house
😅
😀
idhuku dhan bro olunga padi nu soldradhu..ilan aungala maari aaga avendi dhan
Please also consider tax benefits from home loan. In old regime i have 3.5Lacs of tax benefit. When i am in 15% slab rate, it saves me 52k per year and at same time i can claim HRA (When i am working far (>25kms) from my own house ). This distance is normal in Chennai like big cities
வாடகை வீடு பெஸ்ட். கொசு கடிக்குதுன்னு கூட ஓனர் கிட்ட முறையிடலாம். கழிவு நீர் கால்வாய் அடைப்பு சிறு மின்சார தகறாரு எல்லாத்துக்கும் ஓனர் தான் பொறுப்பு. வாடகை மூணு நாலு மாசத்துக்கு ஒரு தடவை தரலாம். சென்னையில பராமரிப்பு செலவுன்னு தனியா வாங்கிடறாங்க. நகர்புறங்களில் வருமம் இல்லை. ஓனருக்கும் குடி இருக்கிறவங்களுக்கும் கஷ்டம் தான்.
Sir please consider rentel value of home which is
25years x 15000(avg rental inflation adjusted for 25 yrs)=4500000 laks also he saved from the rental
Then profit should consider as
Amount spend for house as 1.6 cr + house valuation 1.22cr = 16laks return profit from house and he avoid rental amount for 25 yrs + 45laks
If he invested the rental amount 15000 for evry months in mutual fund lets consider 12% return as componded the value around 2.40 crore profit + invested value 45laks (for 25 years period)
So
TOTAL PROFIT 2.85 CRS
In 25 years....
* value for house =1.2cr
* rental he saved in fixed dep= 45laks
* return gained from MF (12%componded ) 2.4CR
TOTAL WEALTH in 25 years= 3.5cr
So its also good investment and not bad
( its only aplied ..if person montly salary is 70000+
Emi. 35000
SIP 15000
Expense 20000
TOTAL 70000
Indha school fees, medical insurance emergency fund ???
dei mental punda..un kanaku eh thappu da..in 4th line itself ur statement makes 0 sense...
Very useful. Can u share the excel sheet please
May be correct....but we should move towards urban to buy home.... reason is very simple government concentrating all facilities like metro etc...only in city...so cost is high... instead they would have planned initially all metro line upto outer city limit...15 years back city limit is Guindy...sio metro they could start initially from chengelpattu to Guindy... then people would have moved...all will get house for lesser price...like that infrastructure would have developed....in all directions....so ultimately government not done anything to public...to live public only ingesting...even rented house pain' or owners is too much... especially towards eb charges....
How about the tax which we need to pay? In such a case, Which one is better? Rented one or Own House...
As a human we need emotions ryt .. there are too many issues in rental house there won't be freedom to consume water as much as we need no freedom to draw something in the wall , no freedom to have a guest more than a week ,no freedom to have a car parking if we bought one , no freedom to conduct functions or make preparations for functions in the house , no freedom to enjoy loud music , no freedom to leave slippers as we wish , no freedom to fill in forms with permanent address , no freedom to stay as long as possible as we wish , no freedom to improve the infra if we wish........ Living without emotions to save money may seem financially good for people who are not practically living it ... But won't be the same practically
💯💯
Exsaland..answer.sir
I thought in same way invested in mutual fund from 2005 till 2014 ,i realised my money invested did not give me even bank interest .
Apo sip avlo worth illaya bro?
What will be the value of Rs 1 crore after 10, 20 or 30 years?
Assuming a 6% inflation rate, the value of Rs 1 crore will diminish to Rs 55.84 lakh. This shows the impact of inflation on long-term savings and investments.
Looking further ahead, after 20 years, the value of Rs 1 crore will shrink to around Rs 31.18 lakh, factoring in 6% inflation.
Finally, after 30 years, Rs 1 crore will be worth approximately Rs 17.41 lakh in today’s terms.Additionally, if an investment product offers a 6% return, you’re not actually gaining anything, as inflation at 6% effectively cancels out your returns.
By financial express news paper.
Sip ( mutual fund)vilambaram ipdiyum panalam
Eallam sari eannathan nam veettai cleana ah vachi irunthalum house owner kurai solite irupanga sariya water vida matanga 😢 nirya prblm panuvangà
Ithuku panam pakkama loan pottu veeduvangi nimathiya namma istathuku irukalam
Rent illamal maintenance nu veara thaniya vanguvanga 😮
Ella sari than sir tax um add pane sonnah correct ah irukkum😢
Sondhal veedu vendaam nu soldra naayigon dhan 4 veedu vaangi potirupaango.
Let us not invest our total savings for housingloan
Buy a flat EMI equal to Rent invest balance in MF FD etc
Good.❤❤❤
Nice video
20000 every month eppadi katta mudiyum rent increase aana amt kuraiyum la
Exactly but anga oru mistake irukku
dei paithiya kaara, nee yena valkai poora ore samblam ah vangitu iruka pora?
எதுக்கும் பிஆர் சுந்தர் வீடியோ பார்க்கிறது நல்லது😅
சார் நாங்க ஒரு நாளைக்கு 1000 சம்பளம் வாங்குறோம் தினக்கூலி நாங்க வீடு வாங்கணும்னா சொந்தமா எங்களுக்கு ஒரு ஐடியா கொடுங்க சார் ப்ளீஸ்
இந்த விபரம் தெரியாமல் EMI கட்டி அழிந்து போனவர்கள் அதிகம்!
Tear the excel sheet and put it in dustbin, practically not possible
I think your calculation is wrong. If a person chooses rental house and uses the remaining amount for SIP he will be able to SIP 20k only in the first year. Next 12 years the sip amount with reduce by 5% due to increase in rent as you said and at one point he will not be able to sip due to increase in rent above 32k
Salary also increases yoy
@@Dhilip007but if I buy a house my EMI remains same.
Few years back , interest was less than 8.5%. if I get more salary, I repay my loan amount. so it will reduce my interest
Finance தம்பி .. emotional இல்லாமலே பார்த்தாலும் after 25 years .. in rent house .. nothing on hand ..
How do aged people move house to house for rental😮
Moving house everyone 4 to 5 years once is not big thing. At Max 5 to 6 times only but look at the benefits.
நீங்க ஈஸியா சொல்லிட்டீங்க பெட்டிய தூக்கிட்டு அலையும் போது அந்த கஷ்டம் தெரியும்.. வயதான காலத்தில் மிக கஷ்டம்.. வீட்டு ஓனர் காலி பண்ணுங்க எங்கள் சொந்த உபயோகத்திற்கு வேண்டும் என்று 3 மாசம் டைம் தருவார் பாருங்க அங்கே நிம்மதி போக ஆரம்பிக்கும்.. இந்த கஷ்டம் எல்லாம் அனுபவிச்ச அப்புறம் தான் நஷ்டம் ஆனாலும் பராவாயில்ல சொந்த வீடு தான் நல்லதுன்னு போன அப்புறம் தான் நிம்மதியா இருக்கு
What about tax ? In your excel sheet you do not consider tax component for your calculation
Atha kaamichaa then we will understand it's better to buy houses 😂
How to open sip and swp which is best for middle class people
அடுக்கு மாடி வீடுகளுக்கு தரை மதிப்பு கிடைக்காது. தேய்மானம் பலம் இழப்பு கள் கணக்கில் எடுத்து கொண்டால் அடுக்கு மாடி வீடு நட்டம்.00000000000.
Bad idea.. For many middle class people like me, living in an own house is a dream.. Vaalibha vayasu la total money'a SIP la pottutu, Kilavan aanathuku aprm crore rupees vachu ennatha enjoy panrathu. Nalaiku'nu onnu kidaiyathu, anyone shall die anytime. So, innaiku vaalthalum namaku pidicha mari vaalthutu sethudanum. 20 years ku aprm namma uyiroda irupoma nu enna guarantee??
Also, oru person eppavumey veedu vaanga decide pannita, job place, school place etc. ellathukum near la vaanga try pannuvan. In your case, veedu job place ku nearby la kidaikalaina enna pannuvan? We cannot assure job place pakkam veedu 12k ku kidaikum nu.. Avan avan 40kms travel panni job poitu irukan. Travel expenses neenga sollavey illaye!! Intha thollai, travel tiredness, health issue, rental price increase, house owner torture nu more things are there. To avoid this only, all people are trying to purchase their own house. So, neenga mutual funds pathi yaravuthu yemanthavan kita poi promote pannunga sir..
15 years ku aprom 1.14 crores vechi veedu vaanga mudiyadhe. 😅
ஏம்பா நிபுனரு; அடுக்கு மாடி வீடுகளில் கூரை, தரை,நான்கு பக்கவாட்டு சுவர்
உணக்கு சொந்தம் கிடையாது. அடுக்கு மாடி 100ஆண்டு கழித்து பலம் இழந்து இடிக்கும் போது உணக்கு வீடே கிடையாது. ஏதோ வெற்றிடத்தில் குடியிருந்து வாடகை கொடுக்காமல் வாழ்க்கை வாழ்ந்தது தான் மிச்சம்.😢
Stocks 12% return is not guaranteed. It’s at all time high now
That’s why long term investment is a must . Short term is better to put in FD
Valid points