எப்படி வீடு வாங்கினோம்? எவ்வளவு ஆச்சு ?
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- Опубликовано: 5 сен 2024
- "Unravel the Mystery of Buying a Home!
After the overwhelming response to my home tour video, I'm back with a detailed guide on how I bought my dream flat! From navigating the complex process to sharing my personal advice on home loans, I'm covering it all from a layman's perspective.
In this video, I'll reveal:
The total cost spent on my flat
All the processes involved in buying a home
My personal tips and advice on home loans
Valuable insights to help you make an informed decision
Whether you're a first-time homebuyer or a seasoned investor, this video is a must-watch! So, sit back, relax, and let's dive into the world of home buying!
Watch till the end and don't forget to subscribe for more informative content! #HomeBuyerDiaries #HomeBuyingTips #LaymanGuide #DreamHome #HomeTour #HomeLoanAdvice"
One best thing about this video is they are creating awareness from der own failure/issues faced. I really appreciate for posting this video, this will save many people money.
You guys will come over this, put all your efforts to increase the salary and reach heights. All the best.
Sure sir thank you very much .. i will be posting more videos about the real time challenges as it will make at least one person to get benefitted
Big awareness video sister , congratulations for your dream house. Pls don’t delete this video, you have said a true point of builders side. Thank you for your valuable information
Thank you so much.. sure
Middle class life was explained with a beautiful smile on face ❤
Thank you very much... instead of blaming our parents or others we can accept and live a peaceful life .. its easy to be kind to ourself.. ilaiya ..
@@itsyuvin well said madam, I appreciate your efforts 👌
@@praveen.m3331 🙂 sure
Buying flat in city vs land in outer is purely individuals decision.. Some people compromise facilities & safety for bigger living whereas few for lifestyle.. Only you know your pros and cons.. Never feel on your decision.. You have made it so enjoy your stay at your new home with amazing amenities.. Congratulations
You are right... Thank u mam...
I think It's purely based on age who's gonna live. If you fall into working age say below 40yrs of age. Buying flat in city is best. If you're 50+ age then buying a plot at city outer is good.
Whether you bought in the right way or not..you have shared your experience with us which lot of us unaware of... So this video is really helpful to middle class people like us
Thank u...
Congrats Madam. Live happily in your dream home. 🎉🎉🎉
hi sir.. thank you very much
Thank you for your information,No one will make a mistake again,it is very helpful madam.you are clearly explained.
Sure.. Thank you very much...
"took personal loan for 14L as we don't have enough money to buy", this blew my mind!!!!
Please don't do emotional buying on real estate and motor vehicles. Think/Plan about home or home load only after completing these things,
1. Medical and Term Insurance.
2. Emergency Fund for 6 months family expenses.
3. Few grams of gold, depends on which class you are.
4. SIP for retirement plan or investment. You can choose any format like stocks, NPS, Mutual funds, postal etc.
5. Minimum 30 to 40% cash or through gold pledge down payment of the house cost.
Thanks.
hi sir.. i agree with you as said in the video that time i had no one to guide me so i have taken personal loan during 2020 to buy this flat.. i have shared the 4 years before incident .. at present in 2024 (when i look back )there were lot of changes happened in our life be in terms of our mindset and as well as our financial goal.. i took personal loan due to my poor financial planning.... now continually im fixing it one by one.. i will share in next video on our current debt status
Good input for people who plan on purchasing a flat..
Good awareness video. Appreciate your openness. You have shown that you end up paying around 65 lakhs by end of your loan tenure. I doubt, after 20 years the price of your flat will be more than your total cost of acquisition?
Ya it will be high only sir.. i will research and share the current sale value of my flat and its appreciation cost details next week
I believe everything is a learning experience be it in buying a flat or a small plant!!People here complaining that she has a poor financial planning looting is common in every field say it builders or schools, yu learn from your mistakes!!Nothing comes easy we are looted on daily basis i really wonder what a kg kid has to do with his studies that cost 1L again thats how it goes in this era ryt?Ithlm venam nan selavepanamatan apdinu pesna we have to settle in villages only😅all the best for yur new flat sis!!Don't worry sis !!ithuvum kadanthu pogum keep hustling
Exactly.. you have typed the same that was running in my mind..
True ma if we don't spend for the right things like education and housing...we can't settle in city...so true friend
I have a 4 bhk individual modern house and a flat too...but I feel safe in the flat and my maintainance is very low in flat..and ur choice is better mam
Thank u sir.. im also concerned about safety
Buying a high-rise is a total waste. After 10 years, it becomes very difficult to renovate due to high operating costs and significant resistance from the community regarding demolishing tiles and bathrooms. It's better to go with a 2 to 3-floor building or, ideally, a villa
I Agree with u.. but this was my personal choice
Iruka vara happy ah irunthutu povom sis … individual house la um pros cons irukum flat um Pros cons irukum..namma flat la iruka amenities la enjoy pannitu vazhalam sis.. individual house vaangi land rate increase aagumey flat la invest pannitomey nu think panratha vida porappo ethum eduthutu poga porathu illa athu vara enjoy pannitu polamey nu jolly ah vaalnthutu polam sis…
Im following the same policy ma .. individual home construction experience um iruku.... adhula innum neraya difficulties um iruku.. i will share detailed video next week.
@@itsyuvin ok sis.. engalukum rendu experience um iruku sis but flat la than relax ah irukom sis…native la individual house iruku recent times la neraya theft athu ithu nu oru chinna sound ketaley enthirichi ukanthutu irupen sis ..athuku flat la no bayam relax ah irukalam…
@@magismagics1376 rombha rombha true
safety reasons ku than
@@itsyuvin ama sis☺️
This video will help many. Thank you for sharing this in good faith.
thank you very much
Thanks a lot for this great information mam
My pleasure 😊.. thank you very much
If u have home via parents dont go and buy anything new.. Be in rental and invest money later on you can go whereever u want
Agree... this is one best practical idea..
Hello Sister, நீங்க ரொம்ப இஷ்டப்பட்டு இந்த வீடு வாங்கிருகீங்க.. யார் சொல்வதை பற்றியும் கவலை படவேண்டாம். காசகிராண்ட் விற்பனையாளர்கள் வாடிக்கையாளர்களிடம் வெளிப்படையாக பேசி இருக்கலாம், ஆனால் இன்றைய காலத்தில் மனசாட்சியுடன் இருக்கும் கார்பொரேட்'களை கண்டறிவது மிகவும் கடினமான ஒன்று.
இந்த home loan, personal loan எல்லாமே கட்டி முடிப்பதற்கான நம்பிக்கை, வாய்ப்பு, வருமானம், எல்லாவற்றையும் இறைவன் உங்களுக்கு அளிப்பார். home tour video முழுவதுமாக நானும் என் மனைவியும் பார்த்தோம். உங்கள் வீடு ரொம்ப அழகா இருக்கு. நம்மை போன்ற நடுத்தர மக்களுக்கு சொந்த வீடு என்பதே ஒரு பெரிய கனவு தான், அந்த கனவை நீங்கள் நினைவாக்கி இருக்கீங்க. வாழ்க வளமுடன் ❤🎉
Hi Sir, your comment is very encouraging... ரொம்ப ரொம்ப மனசு நிறைவா இருக்கு ...பாதி கடன் அடைச்சாச்சு .. நெறய பகிர வேண்டிய விஷயங்கள் இருக்கு நான் சீக்கிரம் சொல்றேன்....
Good information it's very useful...
Thank you
Thank u ...
I am understand your struggle in purchasing a flat/home in Chennai. I hope you will close the housing loan as earlier .....
Sure... kandippa
Hi mam, same story to me booked on 2020 and handed over 2022. My builder is Plaza...
Only positive to us flats prices are higher after Corona and even rent increased...
Yes.. its an investment only.. so no.worries.. hifi
The total cost is 47 lakh,
12 thousand rupees.
The flat rate is 44.77 lakh.
The total value is a 30 lakh home loan
and a 15 lakh personal loan (7.5 lakh each for husband and wife).
Electrical wiring and other work, as well as covered car parking, cost 2.23 lakh.
The remaining home loan to be paid,
including interest, is 60 lakhs.
நன்றி!
How much EMI?
and how long do you need to pay?
I have posted a detailed video about my homeloan interest tenure.. if possible pls check thst video.. i paid pre emi for 2 years and after that home loan started .. it is for 264 months (due to repo rate conversion in between it changed to 30 years) as per system i need to pay 243 months emi is 26000
Thanks a lot for the awareness video..
I have also seen people fastly boasting "how i built a house without loan at 30 years age"
This is very misleading because they got money buy selling of ancestral properties and got the landed handed over to them by her grandfather.. this is a pure lucky girl syndrome😂😂
This is impossible for others and it was not a guidance video at all.
But your video is very real and useful. Hats off
Hi Ashwin
Thank you so much for your thoughtful feedback on the video
I’m really glad to hear that you found it real and useful. I appreciate you pointing out the difference between practical advice and misleading content. Your support means a lot
Thanks again for watching and sharing your thoughts
Thanks a lot for your valuable tips!
Thank u very much
Thanks for sharing your experience mam. Really useful 🙌🏼
Sure... thanks for the feedback
Plz plan to pay extra payment except emi in every year. Keep a goal to close your tenure as soon as.. unless this will be heavy loss & impact your future goals
Hi sir.. sure i am planning the same
I know it is emotional to get into this need of own house. Any new buyers want and accumulate min 30% of flat rate, then go for loan. Becusee next 10-12 years you are trapped with emi even though you try to close early. Note I paid off my flat in 7 years, what I learned is no more emi or loan. Debt free life is freedom
ya .. you are 100% right.... debt free life is the real freedom.. all im learning later only
How u finished ur loan in 7 years sir..pls can u share the details..is there any trick
This information creates awareness to most...but u would hv plan accordingly before get into this process.😢
Yes.. agree.. i should have planned better.. all happened on a hurry
Go with Fixed interest and invest 10% of EMI in SIP for same Years what you have home Lone.
Ya fixed interest is the good option.. to bw frank in bank they are not letting us know further about fixed interest proceedings
Such a great insight of how the process occurs .
Hi thank u very much..
Most useful video learn lot of things thank you mam
Thank u ma
Thanks for your video...its very informative sis
Thank u mam
@@itsyuvin 👍👍
A land which costed 40 lakhs in 2021 now goes for 1.2 cr. That was the effect of Covid. Correct ah investment pananum
ya you are right...
Thank you for sharing valuable tips
Sure.. i will be posting more of my experience which will be helpful to others
Thanks mam, its a useful information
sure... Thank you very much ...
Edhuvum thappillai. Veedu our dream❤❤❤❤
thank you very much...
Brokers are ruining the real estate market. They are earning fat amount without any reasonable effort.
Yes .. we found that 15lakhs house using no broker website on our own.. after finalising this broker asked us extra 1.5lakhs
Hi sis .. good you did this video..many of them will be benefited..lots of cons than pros..better to go for a old flat or house or a rent house..becoz most cant afford and too much hidden charges from builder and bank side.. somehow by Gods grace ,you are managing but all cant do..i prefer to stay in a rent house and then start a small cap mutual fund for 15 years ..which will give 1 crore with an interest of 15%..builders are experiencef in marketing to sell a flat..the managers are trained well and paid well with incentives if they catch hold of a customer to book the flat..
Also as you said if we buy a house ,we can stay without rent but it's not a very good appreciating asset as it doesn't beat inflation.. depends on area also..the payment is too much and UDS is negligible for high rise community apartments.. I think after 50 years ,it has to be demolished also.. your first decision of buying a old flat was correct..you would have saved many lakhs..I think that broker has insulted a lot ...that's why your family thought this apparment is best.. sorry if I hurted you..I felt how much you people struggled, that's why I told..
You are right and yes we are doing SIP in MF. I have asked my husband to take care of it. Before 5 years we didnt have much financial knowledge so our wish to own a house become a life long financial commitment. Hopefuly this awareness will impact in next 5 years.
@@itsyuvinsis pls do video about investment in sip mutual pls..BTW I am ur new subscriber....and I like ur way of speaking with smile
Sure this month i will post sip and mutual funds sure...
Great explanation and thanks for sharing
Thank u very much
I appreciate your efforts. But I truly wish the middle class would not fall into this trap of buying a flat with a home loan and personal loan.
Yes, very true
நாங்களும் ஹோம் லோன் எடுத்தோம் 15 வருடம் ஆனால் 6 வருடத்தில் முடித்து விட்டோம்
wow.. really.. pls share tips
Thanks for sharing such a useful information
Thank u mam...
Interior design with cost video podunga mam
Ok sure
Well explained..u saved many people life❤
Thank u very much
Hi akka....just watched your video randomly today 1st video of your channel. Subscribed now🤍. Hope for more video regarding genuine and heartful thoughts in future.
Hi.. thank u very much.. im plannung to share lot of videos.. pls subscribe and support
Firstly congrats for your Dream Home 👏 Home is nice and good sister
1. Is there any UDS for land, then how much UDS share for 546 Sq.ft flat.
2. Corpus 50K for what? is for amenities? Its refundable?
3. How many years builder is giving DLD?
I'm also planning to buy flats from developers.
Thanks.
Hi sir corpus fund is non refundable.. its for the amenities only.. UDS and DLD details i will share it this week
What is dld sir
Hi Madam. One important information for you regarding home loan. Are you aware of Parallel funding? None of the banks will never advise and explain to the customers about Parallel funding. They focus only to pluck more money from the customer by cheating. If you are not aware of this Parallel funding, please go and discuss with the bank from where you arranged home loan. If you go with Parallel funding, you can avoid PRE-EMI.
parallel funding pathi nan ipothan kelvi paduren... very useful i will check immediately
@@itsyuvin Parallel funding is nothing but you can repay your loan both Principle and Interest at a same time whenever you have huge amount on hand. Please check with the bank immediately. So that you can avoid PRE-EMI.
@@SRIVATSAS-f9y very useful
@@itsyuvin Parallel funding details bank la ketu therinjikitengala?
Naanga 3rd floor la veedu vaangirukoam. Next week Griha Pravesam.
@@itsyuvin Not me. Maybe my sister might be in the group because she bought apartment in Zenith.
Good Information.
Thank you, sir..
I have planned to buy flat and researched last 2 years and decided to stay in rental home itself feel better.
very true.. same time house owner should be good
Never buy flat sir, my 20 years life in flat was hell. I lost all my freedom in childhood 😢
@@itsyuvinLast 8 years staying in rental home. i never faced the house owner issue.
Oh no what happend
Then u r very lucky.. my wishes for ur investments
Unga kita irundha 15lakh nega edhachum fund la potu vachirundha kuda ipo 4 years ku adhu adhu 20-25lakhs vandhurukume!!! Sad reality is because of societal pressure people are buying homes by going with loans but eventually they ended up with mental pressure
U r 100% right... pear pressure than
வாழ்த்துக்கள் 🎉
Thank u very much
Super cool da, very nice and well explained ❤
Thank u mam
Congratulations sister 👏
Thank you very much..
Thank you
Emi la flat vanga nenechen
Eppo mudiva mathikiten
inum neraya house purchase experience iruku.. i will share it this week
Veedu katti par kalyanam pandi paru nu sonathu true. Nan 2019 la kadunden register bank broker nu nerya Peru sonatha vida ethide irunthanga. Veedu katti Nan valanthano illayo nerya Peru ena vechu valranga nu veedula solide irupen. Back intrest eride iruku repo nala. Can completely understand ur feelings
correct... we are earning for someone wellness
Useful information
Thanks, mam
Congrats.. Happy living
Thank you for the wishes..
That too u purchased only 600 sq ft
Hi. Pls share better options so it will help a new buyer to decide the better option
Congratulations❤
Thank u very much
Very useful sis
thank u mam
Hello may i know why electrical work they charged around 90K
Is it not included in overall price . Customization means small amount only will right around 5000 for extra wiring+box
I asked for 1 loft provision + electrical work for this 90k i paid .. my house is same ad mentioned in brochure model house i didn go for more modification
@@itsyuvin congrats for your new flat
Congrats
Thank you very much
Dont you think
Home is also outer area
Monthly 2,500
Land is also not yours
Amenities you will not use daily
Pradhan Mandri_loan vera miss panitingalae ma
Evalav drawbacks eruthu 47 lakh rate ;
Athukhe outer area ; la own land 1 bhk veedu vaagite poirlam
Anyway chennai is expanding fast
3 year land area ratewill increase
3 year also you wastedfor home
House is very beautiful sister
God is with you , Dont worry
hi sir .. you are right.. i first opted for this home thinking i will get benefit through pradan mandri scheme. that was one of the factor to choose this house. but later only realised its a sales gimmick.. the bank which i bought homeloan is also not shown any help or attention to avail it... to be frank it was a trap only... . as you said im hoping the flat value gets increased in next 3 years so i can decide on the best option.. its a life lesson i learned by paying huge..
@@itsyuvin Yeah ma : dont worry sister
Your mother is with you , we all are with Great achievement waiting for 🙏❤️
Sure thank you very much.
Dont tell like this sir.. their won ideas their choice any way congrts sis❤❤❤❤
@@ZabeenNoorainAlimehmubal-hg9oy hi ma he is creating awareness .. a new flat owner who sees his comments will think about the points before buying a flat ... .. I'm thinking on that point .
Maybe, you got extra delayed in handover because of COVID restrictions. Else an established should not have taken mors than 2 years.
hi sir ... agree but recently my frnd booked apartment in casagrand Elinor - they extended again 2 years. i dont know the real reason of handover .. but casagrand is delaying very much
Inga ivalo lakhs extra payment kuduthathuku antha 15 lakhs house ku 1.5 kuduthutukalamo...
Hahaha... sometimes apadiyum thonum .. truth ennana ... hidden charges neraya irundhurukum nga.. registration cost + renovation cost ipadi nerraya extra cost agee irukum
Exactly...this is just a casa grande collab
No ma.. i never recommend casagrand ..im already working ma so there is no neccesity to do promotion or paid promotions ma.. i wanted to share my buying experience.. hope u r clear now
Casa grand is good builder ?
Good only but they pressure u to make payment as per their deadline.. they dont listen to us
Pl post more details about pre emi
Sure nxt week podren
Which location madam casa grand and project name
Hi sir.. project details and location i will share in direct mail sir
My mail id techiemomchennai@gmail.com
Total ah home buying knowledge ah illama finance level la loss agi irukinga...
Internet la avalo reference iruku but you missed.
Good lesson for all your viewers
loss ah
Absolutely yes@@itsyuvin
flat maintenance charges also amenities charges please explain
Sure I will post a video in few days
Tq soo much ka
Thank u very much...
Thank you madam
Sure.. thank u for the feedback
Kindly share sofa shop details.
Ok mam this sunday i will share detailed video
@@itsyuvin can you share the contact of the person pls
@@vaishumth5 pls mail to techiemomchennai@gmail.com I will share his details mam
First of all congratulations on owning a house. What you have achieved is many people's dream. That too on your own with less/no help, support or guidance.. learning from your own mistakes.. from planning to buy a house for 15L and then stretching out to almost 50L. Shows how much you are truly capable of mentally. Don't worry about the negativity on the wasted time or money. You have achieved something on your own. Good things happen for good people. You'll reach greater heights.
thank you very much.. lot of positivity...
Hello Mam!
May I know the handover month & year as per the agreement if you don't mind
Hi sir, sure I can share.. As per agreement handover month is August 2021 but we got our flat on April 2023
Akka ennakum gated community la veedu vanganum romba asai but ennala vanga mudiyala ka.. three years ah try pantren but still I can't..
Reason ma
Spr siss ❤
Thank you very much
Casagrand s a fraud, sister. Atleast you received a home..one of my friend yet to get the apartment. 47 lahk s huge amount for before four years.
Agree... any reason for the delay
😇😇 yammatiyaoo mutiyala thanks for information mam
... thank u very much..
What about GST madam?for under construction project we need to pay GST right?
Yes sir the amount is included with gst cost
அக்கா நீங்க லேண்ட் வாங்கி வீடு கட்டி இருக்கலாமே
Veedu katikitu irukkom pa.. pls watch next video
Needed info. You look like girl next door.😊
Thank u very much mam
Hi, how much is maintenance per month or per annum. Thanks
Hi.. we are paying on monthly basis.. its 2500rs per month
House plan please
Sure i will share it
Is there any flats still available and may I know which place in Chennai if you don’t mind 😢
In our community all flats are sold out ma.. only resale flats are available but cost will be 50% higher..our flat is near to OMR
Hi
@@rudhkrishcrazymaster4668 hi
This is 800 sqrft or 500 mam ?
Hi mam.living area is 546 sqft
Hi sis, when they will give EB document and water tax documents?
EB we received last year itself .. watwr tax document i am yet to check mam
@@itsyuvin thank you sis
Will they give EB doc at the time of handover?
No mam we received after 2 months of handover.. now i heard they are giving it along with handover copy
😢😢 For this amount you can buy individual land and build a house 🏠😢
Hi ma... i was looking for a property within my office and my son school limit.. this is the easiest process to avail loan and owning the property.. and currently this is the cost for buying flat in gated community ma.. there are some practical diffuculties in buying land and constructing home.. i will share my experience in it
Builder name mam,
Casagrand
Hi sissy,..whats ur kitchen size???
kitchen size thaniya ilai ma.. its attached along with hall.. 9*7 ma.. i will share floor plan this week..
@@itsyuvin thanks fr ur reply....
You never went for legal opinion?
Hi.. legal opinion for current flat or that second hand flat sir.
Tneb charges sollalye
Adhu vangumbothu solala mam
I think it's a bad experience for you, brand builders will not do like this.
I bought from casagrand..assuming the same
Omg oru flat vanganum na epadilam kasta padanum adhuku namma land vangi veedu kattikalam pola nalla peria veedave kattalam 😮
Yes true mam.. land vangi veedukatradhu best.. but flat vanga than easy ah loan kedaikum .. construction loan is not easy to get.. thats the reason
@@itsyuvin Nowadays land also can buy with loan easily
@@parthim1512 this is our preference ma.. I too personally recommend buying a own land and constructing it... but this process is lengthy and one person in the family should be always monitoring the process .. but we both are working so for people like us are opting flat purchase where the physical monitoring is minimal.thats the reason..
Medam 546 sq ft around 47 lakhs worth ah!! neenga vera option yosikalaya..my opinion 47 lakhs ku atleast oru minimum 800 sqft land vangi construct panirkalamae...
You are right ... andha time vera option yosikala.. becausee nanga property thedina time rendu perume working so property thedi kandu pidikarthuku plus construction na regular site visit pani monitor pananum .. andha time engaluku leave and permission ofc la easy ah eduka mudiyatha situation.. so indha option choose panitom..
@@itsyuvin madam 546 is carpet area, Selling area should be around 800 right?
@@itsyuvin ok understood..Congratulations on you new happy home...
Thank u sir sure...
Yes sir you are right
Hi sis soldranu thappa eduthuka venam my suggestion konjam chennai outer la poirundha individual land + home hae vangirukalam or veedu ungaluku pudicha maari katirukalam but yen neenga flat ku ponninga and adhuvum ila indha casagrand lam kaasa pudunga thaan papanga🫠
Very true.. aporom than realize panom
You are right... Me too in 2019 was lukg fr a flat.. casagrand was 80 plus fr double bedroom flat.. n ofger flats wer all out of city .. very far.
So i went fr a second hand flat.. cost was 50 and registration amount was 5.40 laks.. so total 55.40.. but im in omr near to office.. im not at all satisfied bcoz its 10 yr old flat n no amenities like swimming pool or gym ... 1080 sqft.. but still not very comfortable.. but wen i hear abt ur story.. thats too much 47.5 laks fr 1 bedroom.
For me There was no proper guidance at that time.. everything is a learning ... space issues are there but i managed it with proper inteeior planning... at one point im happy because atleast i did an investment in an appreciation asset.... next time i will not be making this mistake
2 beds irunthuchu lle?
@@sindhuranjith7007 2 bedrooms only
@@itsyuvinmele cmnt le 1 bedroom nu sollirukanga so asked
@@sindhuranjith7007 ya ya I too just noticed
how much maintainance cost per month?
2500rs per month for our flat ma
Maintenance will also increase very sooner
@@sampathkumar6230 yes
Madam one thing. do we get Patta for flat. please do explain us, it will behelpful!. Thanks
Sure.. i will post a video.. patta is very very important for a property
Home loan just trap
Yes...