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.
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
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
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
Good video for all new home buyers specifically middle class peoples who buy the first dream home 🏠 It’s really great shared your experiences and well explained on issues you faced on that time Superb 💐 thanks for your great efforts
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?
"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
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
Damn this is very honestvand raw video many lives in a fancy apartment not sharing the cons ! But u great ! Buy spending this huge money on a that small sq flat u can buy a independent builder house with decent sq
hi thank you for your comment... .. actually we are building a new house . i have shared it in my recent videos on house construction updates... house building seems to be a lot of process involved and after payment every time we need to chase the builder on construction updates.. our house construction is almost over .. i will share the practical difficulties of house construction in few weeks
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
@@itsyuvin True, try to close as quick as possible. you can save lot of interest money. I too bought a flat in bengaluru and emi started since 2021, but every year i am paying 2-3 extra emi's so interest amount will be reduced
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
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…
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
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...
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
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
@@itsyuvin wot I meant is people have no other choice other than to take home loan with high interest rate. Consider doing overpayment every month and it will bring down the interest you pay. I do the same every month.
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
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 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.
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
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.
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....
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
Hello mam, thanks for your valuable information. We planning to buy a apartment in next 1 or 2 years. we came across one of Casagrand project with 60+ amenities. We would lke to know how much the maintenance cost wll be in Casagrand. Thanks in advance.
If you are planning to buy a house for investment purpose i would suggest you to buy a land and build a independent house. These fancy apartments are best for renting rather than owning.
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.
@@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.
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
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
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..
@@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 .
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..
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
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
ilai mam ... outstanding la koraiyala .. actually loan emi tenure itself will not be started when we pay pre emi... they claim the pre emi will be bucketed in the over all interest amount
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
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.
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
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...
Good video for all new home buyers specifically middle class peoples who buy the first dream home 🏠
It’s really great shared your experiences and well explained on issues you faced on that time
Superb 💐 thanks for your great efforts
Thank u sir... i will keep sharing useful information
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
Good input for people who plan on purchasing a flat..
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...
Congrats Madam. Live happily in your dream home. 🎉🎉🎉
hi sir.. thank you very much
I am understand your struggle in purchasing a flat/home in Chennai. I hope you will close the housing loan as earlier .....
Sure... kandippa
"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
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 appreciate your efforts sister really useful information.
hi sir.. thank you very much
Damn this is very honestvand raw video many lives in a fancy apartment not sharing the cons ! But u great ! Buy spending this huge money on a that small sq flat u can buy a independent builder house with decent sq
hi thank you for your comment... .. actually we are building a new house . i have shared it in my recent videos on house construction updates... house building seems to be a lot of process involved and after payment every time we need to chase the builder on construction updates.. our house construction is almost over .. i will share the practical difficulties of house construction in few weeks
Thanks a lot for this great information mam
My pleasure 😊.. thank you very much
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
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...
Appreciate your proper financial planning
Hi .. Thanks,, but still i did mistake by opting for personal loan.. i should have planned better
@@itsyuvin True, try to close as quick as possible. you can save lot of interest money. I too bought a flat in bengaluru and emi started since 2021, but every year i am paying 2-3 extra emi's so interest amount will be reduced
sure i will pay extra from December onwards sir.. really a good insight
This video will help many. Thank you for sharing this in good faith.
thank you very much
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
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☺️
Good information it's very useful...
Thank you
Thank u ...
Really humble info.. thanks sis. Very helpful
hi ... thank you mam..
Thanks a lot for your valuable tips!
Thank u very much
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
Thanks for sharing your experience mam. Really useful 🙌🏼
Sure... thanks for the feedback
Most useful video learn lot of things thank you mam
Thank u ma
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
Thanks for your video...its very informative sis
Thank u mam
@@itsyuvin 👍👍
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 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
Such a great insight of how the process occurs .
Hi thank u very much..
Thank you for sharing valuable tips
Sure.. i will be posting more of my experience which will be helpful to others
Interior design with cost video podunga mam
Ok sure
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
Great explanation and thanks for sharing
Thank u very much
Thanks mam, its a useful information
sure... 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..
in India home loan interest rates are very high... by the time you repay it is nearly thrice the value of the house.
I agree.. its a peer pressure sir... I will work hard to close it asap
@@itsyuvin wot I meant is people have no other choice other than to take home loan with high interest rate. Consider doing overpayment every month and it will bring down the interest you pay. I do the same every month.
Thanks for sharing such a useful information
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
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
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
What about GST madam?for under construction project we need to pay GST right?
Yes sir the amount is included with gst cost
Edhuvum thappillai. Veedu our dream❤❤❤❤
thank you very much...
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
Super cool da, very nice and well explained ❤
Thank u mam
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
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
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...
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....
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
Thank you mam.i never been fan of any bank loans. It is a eye opener for us. Thank you so much for talking every information
Thanks for your support and encoraging words..
flat maintenance charges also amenities charges please explain
Sure I will post a video in few days
Good Information.
Thank you, sir..
Hi, how much is maintenance per month or per annum. Thanks
Hi.. we are paying on monthly basis.. its 2500rs per month
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
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
Prepayment pannalaya mam panniruntha yrs ah korachurukalame
hi sir.. prepayment ilai.. pre emi than katinen..
@@itsyuvin pre emi kattuna ennakum
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
Useful information
Thanks, mam
Casa grand is good builder ?
Good only but they pressure u to make payment as per their deadline.. they dont listen to us
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
Congratulations sister 👏
Thank you very much..
Congratulations❤
Thank u very much
Very useful sis
thank u mam
வாழ்த்துக்கள் 🎉
Thank u very much
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
நாங்களும் ஹோம் லோன் எடுத்தோம் 15 வருடம் ஆனால் 6 வருடத்தில் முடித்து விட்டோம்
wow.. really.. pls share tips
Hello mam, thanks for your valuable information. We planning to buy a apartment in next 1 or 2 years. we came across one of Casagrand project with 60+ amenities. We would lke to know how much the maintenance cost wll be in Casagrand. Thanks in advance.
Hi ... maintenance will be charged from 3.50rs to 7rs per sqft.. you can multiply into.total.sqft.
Currently we are paying 2500rs per month
@@itsyuvin Thank you
If you are planning to buy a house for investment purpose i would suggest you to buy a land and build a independent house. These fancy apartments are best for renting rather than owning.
@@Desperado-27 you are right
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
Congrats.. Happy living
Thank you for the wishes..
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.
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
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
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
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
@@itsyuvinhi Mam, I just emailed you for the project name. Please check your inbox
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....
This is 800 sqrft or 500 mam ?
Hi mam.living area is 546 sqft
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
Builder name mam,
Casagrand
Congrats
Thank you very much
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
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 .
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
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
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
Pl post more details about pre emi
Sure nxt week podren
Tq soo much ka
Thank u very much...
Na home loan next month eduka pora
Still pradan mandhri scheme ipo avail panikalama sis
Its not available ma... at present they dont process
@@itsyuvin thanks for your reply
@@akshayavenkatesh3793 pls proceed ur loan with sbi or uco
@@itsyuvin okay thanks sis
😢😢 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
Sis ungaluku loan outstanding la kammi aagalaya 3lakh katna pri emi la
ilai mam ... outstanding la koraiyala .. actually loan emi tenure itself will not be started when we pay pre emi... they claim the pre emi will be bucketed in the over all interest amount
@@itsyuvin yenaku kammi aagudhu pa unga bank side la visarichu parunga namma keita thaan solluvanga
@@anisha2414 pre.emi la kammi agathu mam
Spr siss ❤
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
how much maintainance cost per month?
2500rs per month for our flat ma
Maintenance will also increase very sooner
@@sampathkumar6230 yes
Thank you madam
Sure.. thank u for the feedback
அக்கா நீங்க லேண்ட் வாங்கி வீடு கட்டி இருக்கலாமே
Veedu katikitu irukkom pa.. pls watch next video
House plan please
Sure i will share it