20 साल की होम लोन को 12 साल में पूरा कर दो। Home & car loan repayment tips 20 years loan in 12 years
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- Опубликовано: 7 фев 2025
- My name is Ca Hardik K Thacker. Welcome to our youtube channel.
20 साल की होम लोन को 12 साल में पूरा कर दो Home & car loan repayment tips 20 years loan in 12 years
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यदि मैं 5000 प्रतिमाह 20 वर्ष तक जमा करता हूं तो मुझे 7% की रेट से RD में 14 लाख रुपए ब्याज मिलता है और इसे कंपाउंड करूंगा तो लगभग 16 लाख बैठेगा
तो किस्त ज्यादा जमा कराकर 6लाख का नुकसान क्यों करूं।
He is absolutely right. Even if u pay 2 additional emis it will reduce ur loan period by 6-7 years
Simple way to reduce loan tenure is do the repayment as you have money. During this time no one keep a loan for 20 years.
How many people agree with me?
EMI kam karo tenure jayda fir jitna amount jama kr sakte ho kro loan main Sidha principal se katega
What about frequent increase of repo rate on home loan? Which hamper tenure like anything...
Sir,maine hl 25lakh ka le rkha h 14yrs k liye monthly emi 27000aprox ja Raha h. According u every year 3emi extra pay kru to kbtk or kitna interest bachega pls tell me sir pls
Very useful formulas given by you, please give me suggestions regarding repayments of my house loans, name of bank____SBI loan sanction year _____2020 loan amount ______60 lakh present rate of interesr ___ 9.5 present loan _____55 lakh i want repay of loan early within 5 to 7 year's, please suggests formulas for achieving the goal,
Bhai ye bato ki flat or reducing rate m Jo fixed or floating rate h wo sirf reducing me hi lgta h kya plz tell me and make the video this topic
20 saal ke liye home loan ko kya hum 5 saal baad band karva sakte he?? Isme koi panelty hogi??
Humko kya krna chahiye principal km karvana chaiye ya fir interest rate ya fir tenure please tell me about part payment
Watch full video. I have explained with examples
Kya hum loan ki emi change ker sakte hai loan lene k bad
Yes
Love from Vadodara ❤
Coming soon in vadodara
Sir lakin jab gov rbi rates badate hai to bank bhi rates bada deti hai fir pre payment kerne se fayda hi kya hoga , pesa interest me hi jata rahega. Please anyone clear my doubt.
Flexi loan bt kar sakte hai kya au bank se
EMI ME EXTRA PAYMENT KAISE KARE WO TO AUTOMATIC DEDUCTED HOTA HAI... Account se pls explain
Contact bank for direct payment. Maintain balance you require to pay and inform the bank they will transfer balance to home loan account
Very good information Thanks for sharing brother 🙏
बहुत बढ़िया जानकारी
In who many days we get the original paper after we give the full amount to the Bank
Within some days you will get all paper
सर 3 emi एक साथ भरणा पड़ेगा या जितने पैसे आये उतना भी भर सकते है
जितना आप भर सकते हो उतना
Bhai itna confidential formula kha se bana liya
Agar main monthly emi amount ko badha du toh usse bhi mujhe fayada hoga..
Pls reply
Yes
Sir mera 12 lakh ka home loan hai..... Adavance emi ke sath koi sip ko suggest kijiye 🙏
Sir mai mera loan 30 saal ka hain, amount 1600000/- agar mai har mahina regular emi bharke har saal 1,00,000/- extra bharta hu, to 16 saal me loan close ho gayega na????
Yes
@@CAHardikKThacker thanks for reply
Sir 1200000 ka home loan 15 years ke liye liya hai sir Ager me 3 emi prepayment every years karta hu to mera loan kitne years me khtam hoga
Sar main home loan aur top up Liya hai dono donon mein se pahle kaun sa bharna chahie
Jisme interest rate jyada ho wo
Sir 20lakh or top up 5 lakh in dono me same rate hai mere pass paisa hai par month aditional Dene ke liye
Home loan chalu ho jane per EMI chod k bich me saal me kitni baar bher sakte hai
As much as you can. There is no limit for that but once confirm with bank. They will charge pre payment penalty for that.
Loan chalu ho jane k bad bich me hum half loan bher dege to uska term conditions kam ho jata hai
Yes .
@@CAHardikKThacker thank u sir
Sir Maine 12 sal ke liye loan liya tha ab mere 32 month bache hai outstanding amount 5 lakh some thing hai part payment se fayda hai ya nuksan
Send us loan amount, rate of interest,emi, tenure
@@CAHardikKThacker loan amount 15lakh
Emi 17635
Present interest rate 8%
Tenure
@@CAHardikKThacker
Sir 116 month tha
Abhi 32 month baki hai
Sir meri to auto debit ho jati 21999 every month extra 3 installation kaise pay Karu? plz reply
You should visit branch & then deposit in loan account through savings account
Jaldi se jama karne me fine lagata hai kya batye pls
If fixed rate then yes if floating rate then no. But they charge penalty then also you will have benefited. For how much penalty or charge contact bank
Thanks Sir, I will try this formula from current month. Very Beneficial formula & comfortable.
Amazing videos please confirm i want to buy home loan for 10 lakhs and minimum tenure is 5 yrs or 10 yrs so which one will be cheapest for me .
5 years
@@CAHardikKThacker thanks sir
Could I pay more than four (04)EMI ? and how to pay the EMI ?
Yes of course. You can give direct instructions to bank for payment
Sir mera home loan 16,80000rs h
20 saal ke liye 8.85% pr
Emi-14954rs h
Agr mai pr year 50,000rs extra pay krta hu to Mera loan kittne time mai khttam ho jaayga or muje totally kittna interest dena padega plz btaaye 🙏
In 12 years your loan will be fully paid. 8 years interest will be saved
@@CAHardikKThacker thanku so much sir. Ur really great person 🙏
Sir mene 16lac k lon liya h agar m 50hajar sal extra jama karu to kitne sal khatm ho jayega abhi 15sal k liye liya h pls tell me sir
For that loan amount, rate of interest, EMI, period of loan required
2600000 ka loan me 7.75 intrest pe 25.000 emi 15 sal ke liye bharna hai
1 year ke 3 emi extra bhare to kitne time me loan pura ho jayega
Ok I will tell you tomorrow
Your loan will be fully paid in 8 years & 7 years interest will be saved
FIR please mujhe bataiye sar home loan Agar 15 lakh chahie to wo paise pure Milenge yah Mount ka 90 pratishat Tak Nahin milega please bataiye
खुप छान मार्गदर्शन धन्यवाद सर
20 sal ke loan ko 12 sal me pura kare to penalty kitni lagegi
बेटा मुझे 35 लाख का लोन SBIसे लेना है।आप बताओ कितने साल का टर्म रखूं और कितना ईएमआई आएगा,जिससे बहुत जल्दी चुकता भी हो जाए और मेरी अच्छी बचत भी हो जाए,वो रास्ता बताइए बेटा,क्योंकि मेरी और भी जिम्मेदारियां है। बहुत आशीर्वाद आपको।
जैसा की आपने बताया अगर आपकी लोन हो जाती है तो पहले आप EMI जितना आप हर महीने भर सकते है उतना रखे मतलब हर महीने आपकी जितनी आमदनी है उस हिसाब से। बाद में आप धीरे धीरे आप हर महीने EMI बढ़ाना। बाकी जब आपको लोन मिल जाय तब बताना तब और डिटेल में आपको बताऊंगा।
Sir maine pnb se 65 lac ka home loan lia hai for 30 years .wife mere pnb bank mai hai toh unko staff loan Mila hai at 6% simple interest.sir isko 20 sal mai kaise kru?
Sir bahut hi achhi baat batai apne thanku sir
Thank you sir for good information
Mera 7years ka car lone hai 8000 EMI hai 20 month pta chuka hu isko kaise pay karu ki jaldi pat jaye aur intrest bhi kam ho jaye
Loan amount, interest rate,tenure required
Loan Lene Ke Liye Call Karen .
Sir hamne home loan par liya hai 20 saal ka aur interest rate 12.75 ka hua tha aur rate badte ja rha hai main loan transfer karne se koi help hoga
Contact other bank and transfer home loan
Bhare kese process to btao
Good job sir, sir advance me kitna EMI bhar sakte hai?
As per your wish
Sir mene Sbi se 30 lakh ka house lone 23 year ka liya he. 6.90% ret se liya th magar abhi 8.80% ho gaya he EMI 21590 aati he. Advans emi bharne ke liye bank se puchana padega ya apani marji se kabhi bhi kitana he lone Ac. Me jama kar sakte he.
Kabhi bhi payment kar sakte he
How many extra emi we can pay every year plz rly
It depends upon you.
नमस्कार सिर
मेरा होम लोन
8 लाख का है
Preioud 20 साल है
14 % intrest है
अगर मैं साल में 12 की जगह 18 emi भरता हु
तब कितना फायदा हो सकता है
प्लीज बताइए
Your rate of interest is very high from which bank / finance company you have borrowed?
@@CAHardikKThacker
Dear sir
Please give me good advice
@@CAHardikKThacker
Indostar
First transfer your home loan to bank your rate of interest will be reduced.
Very nice 👍 thank u so much sir
Sir suppose I took loan of 20 lac and I end of the year I deposit 2lac extra apart from EMI so that 2 lac will deducted from Principal amount or not matlb principle amount kam ho jayegi ana?????😊
Yes.
@@CAHardikKThacker thank u sir
Principal amount hi km hoga
सर जी मैं आईसीआईसी से पर्सनल लोन लिया हूं 700000 का 7 साल के लिए कितना एक्स्ट्रा पे करूं प्लीज़ बताने का कष्ट
Provide full details such EMI, interest rate
@@CAHardikKThacker
7 लाख 60 माह के लिए है
15536 क़िस्त है
11,8/ है
1साल में 13 क़िस्त ठीक रहेगा क्या
@@CAHardikKThacker अप्रैल में मेरा emi चालू होगा
very good information sir, thank you , lekin sir kam se start kare ye emi calculation formula wo samaj nahi aa raha hai
Twice watch the video peacefully.
Non sellery walo ko bhi housing loan milta h kya
Yes
सर मेरा पर्सनल लोन है 700000/ का जल्द कैसे अदा किया जा सकता है बचत भी कैसे करूं । 55000 सेलरी EMI 25000/ LIC MF 7000 लगता है
पं
Thanks sir .good knowledge
Thank you..this is an eye opener
Very slow he is speaking..I Just watch all videos in 2x speed to save your time 😊video ke upar seeting se aap change kar sakte ho
Slow in speaking because audience need proper explanation. I have to explain with examples. Every individual is not coming from finance background.
Thank u very good idea bro
How to pay extra emi .emi har month automatic deduct hoti hai to kya extra emi jo pay karni hai mujhe wo ghr baithe kar skte hai
Yes . You have to inform your bank for auto debit or else you can also pay emi directly.
Loan Lene Ke Liye Call Karen .
Sir mera loan 1330000 he aur 240 month he interest rate 8.10% he to 1 year me 12 emi ki jagah 18 emi bhar du, to piche kitn year bach jayega, aur kitna paisa bachega
Sir please reply dijiye
Your loan will be completed in 10 years means your 14 years interest will be saved.
Total interest payable in 240 months is Rs.1359000
Total interest payable in 120 months
Is Rs. 615000
Total interest saved 744000
@@sadabaharechannel4716Loan Lene Ke Liye Call Karen ..
Sbi houseing borad. Ke loan me subsidy deta hai kya
WhatsApp number
Thank you very much sir
Sir mujhe 18lakh ka loan lena hai jise hum 4saal bad pura bher denge. mujhe kitne saal ka term conditions rakhana chahiye aap k hisab se
5 years
Loan Lene Ke Liye Call Karen .
Mera loan 1400000 ka hai, 11% par plz advice ise kitni jaldi me or kese bhar sakta hu..Jesse Mera byaj Bach sakta hai
Loan tenure , EMI required
Very nice information sir
3 emi bhrne ke liye bank me cheqe pe qya likhna hi
Bank will direct you
I HV take 12 60000 loan as a home loan
Kya me every year 1 lakh juada bhr skya hu
Sir plz personal loan ko khtm krne ka upaye btaein.. Koi formula hai
Same upay
sir mera 3200000 ka loan 8.35 percent se 22 year ke liye he agar me 50000 per year extra pay karu to kitna time save hoga
Total interest paid if loan of 22 years is Rs 3800689
Total interest if paid Rs.50000 every years is Rs. 2583929
Total interest saved 1216760
Your loan will be fully paid in 16 years
Loan Lene Ke Liye Call Karen .
Sir mera naam Manoj vaghela he.
Me Gujarat se hu.
Maine axis Bank se 1200000 ki home loan li Hui he.
Usme mujhe government ki subsidy ka benefit Mila he.. isliye 267000 jitni amount deduct ho gayi he.
Aur me abhi last 3 saal se.
Regular 8579 ka emi pay kar raha hu.
Actual loan term tha 20 saal.
Abhi meri outstanding amount 902822 he.
Ab 184 mahine ke emi baki he.
To mujhe part payment karna chahiye ki nahi.
Me kya step lu?
Loan ko jaldi khatam karne ke liye?
Rate of interest?
Sir abhi bhi subsidy mil rhi h kya mujhe bhi home loan Lena hain
Very nice information. Sir maine 38 lakhs ka hone liya hai 6.66 rate of interest. Mera monthly emi hai 30,313. 3 extra emi dekar bank Mera principal amt less karegi na.
Yes sure.
Bank name
Lic hfl
Ap jo pre payment ki baat kar rahe ho upto 3 emi ka who amount principal se kaam ho ga kya... Please answer
Yes
Kitne saal tuk Deni hain tin emi extra
Till your loan is not fully paid.
Good explanation bro👌👌👌👌
Home loan cancle kaise kare
Nice information bhrother
Sir i have takenRs. 19 Lac Home loan tennure TEN YEARS monthly installment @ 23660/- please advise guide Saving step
Watch our full video.
Sir mera car loan close nhi kr rhe bank vale .
Mujhe ab home loan lena h kya kru sir plz bataye
Why bank is not closing your car loan account?
Nice information sir
Sar lonely away kaise pata kare kitne
मेरा सबाल मे हासीग लोन15पैतालीस हजार लियाहू 1545000 ,प्रोबेट बैक 12 सालका केस है मुझको भी एकसटरा 50000 करना होगा कृपया बताए
Excellent sir today 1st time seen and subscribed . Very knowledgeable. God bless you
Thankyou 👌👌
Guruji mein to Dhanya Ho a idia kisi ko pata nahi tha wo sukra hai aapka ki aapne bata Diya ohohoho
Thank you Rahul ji
I have taken 30 lakhs rupees home loan for 23 years and paying nearly 20,000 EMI. I have 5 lakhs rupees in hand.can I deposit 5 lakh in loan account? Any profit will be there?? Sir , please advice 🙏
Ok will tell you tomorrow
Sir, please guide
Ha bhai fayda hi hoga...... Aapki 30 ki loan 25 lakh ki ho jayegi
Agar aapne ek bhi emi nahi bhra or 5 lakh deposit krte ho or emi 20000 hi rakhte ho to aapki loan 23 ki jagah 16 sal me khtm ho jayegi
Before payment krne se bank kuch penalty v lagta h??
No if floating rate no penalty and of fixed there can be penalty
Sir mera 29 lakh ka loan hai 25year ke liye mera emi 19200 banta hai 6 manth emi bhar chuka hu agar mere pass bich me jayeda amount a gaya 10lakh to usko pay kar sakta hu kya
Yes
Haa bhai aap kar sakte hai
Sir maine 1500000₹ home loan liya hai, EMI 15000₹ hai jldi kise utaare ... ik emi shoot jaye to 11000₹ byaaaz pad jaata hai
Isko calculate kese karte h
See in this video again.
How 3 emi advance will be paid in one year I can't understand plz explain again
Isko nikane ka. Formual kya hai?
सर महंगाई भी तो बढ़ती है
Very usefull... thanks 👍
Thank you
Good explanation sir 👍
Thank you sir
Bank to 12mahinay ki Lata hi 13Mahinay ki kasa de
Sir maine 900000 lakh ka loan 5 sal ke liye liya hai or uski EMI 25000 hajar hai agar mai her sal mai 4 EMI extra bharta hu to Mera loan kitne sal mai khatam ho jayega।
Plese sir help me।
Rate of interest?
Sir mera 2236000 lon intrest rate 8.35 hai 15years me liye emi 21175hai 3emi extra pay krta hu kitne din me pay ho jayega aur kitna interest Bach jayga sir
Calculator jo kiya he vo video me bataya huva 25 lakh ke lon ka he
Bank bolt ah advance nhi bhar skte to kya kree
There is no such restriction on advance payment. Yes they can charge some charges, but you can pay advance payment.
@@CAHardikKThacker ok sir thanks for information
Customer care and email id me complaint karo
सर मेरा emi 6 साल 72 emi है 12000, का इसको 4 साल में कैसे पूरा कर सकता हूँ प्लीज रिप्लाई करना
Give me your loan details. Loan amount, Rate of interest, your EMI, loan period
@@CAHardikKThacker 12% 5lakh home lone
Apki EMI Rs. 9775 hogi 12000 nahi
@@CAHardikKThacker 11971 rupaye har month deta hu
Loan period kitna he
Thanks. Sir