😂Thnx for motivating people to rent a house... I own 4 house and get 2+ lakh monthly as rental income and my houses are never empty just because of you guys.
Well, that depends on your current financial condition, two people with same salary with different financial background have to take different decisions based on their conditions! So, no decision is correct or wrong !
Yeh logics har jagah apply nhi hote Maine khul plot buy kr ke 75 lakh mai 2 floors ka ghar banaya and 30 lakh ka loan uthaya jiski 27k with insurance emi ja rhi jo ke first floor ke rent 20000 se nikal rha mai. 7000 khud dal rha hoon. Ab 3 sal baad ghar ki keemat 1.3 cr ho gyi hai and rent bhi badh rhe hai. 2026 tak meri emi 27k sirf rent se jaygi and ghar ki kremat bhi badhti rhe gi. Is ke logic kuch specific case mai thik hai.
This is conditional. I bought a land in 2018 for 80 lakhs today people are asking to buy it for 2 cr. I took a loan of 44 lakhs to buy it. If I keep paying EMI for 15 years off course I won’t make much profit even if the land appreciates. I did part payment over and above the EMI. The loan is still 10 lakhs left today but I m still siting on a good profit. You do the calculations. I bought another land in 2019 for 60 lakhs today its worth is 1 cr today. If I sell it today I can do construction on the other land. And get rental income from 3 floors. Buying property is like picking stocks. If you buy a stupid property like a flat in tier 3 city, it’s not going to appreciate much. If you invest in upcoming projects like smart cities which are going to create jobs and bring end users the property will appreciate a lot. Also if you take 80 to 90 % of loan and your salary is so low that you only pay EMIs and nothing above, and property also is not a good pick and won’t appreciate much, then you have put yourself in a difficult situation. Buying a prelaunch property from a reputed builder and selling it in few years after RERA is approved and other such tricks can help you make some money. Emotional buyer in real estate buy over prices properties at saturated markets hence they suffer.
@@riseup2227 land very rarely depreciate in value even in tier-3 cities. In fact the risk is not if the land value will go down rather land itself will be encroached
@@shahbaztherealdudewe are not talking about farm land ki koi kabza dal dega. DLF ki society ke andar RERA approved plot, papers apke aur builder ke pas even without registery is safe.
Koi flat maat kharido.....loan pa....life zaand ho jati hai....apni wife gf ko dikana k liya flat kabi maat kharido....pichla 12 saal sa stress may ji raha hu...agla 8 saal loan pending hai......budda ho gaya may 50saal ka....jissa impress karna k liya tha wo bi buddi ho gai.....maat pocho life kaisi gujri hai.....jiss k liya kiya wo hi galli deti hai....😢
bhaiyya management needs to carry out with this things...dont feel painful now you can sell that home at market price and enjoy lifetime by earning intrest on that amaount
I constructed my house 25 years back and now constructing again (for children). Normally people say everything will be at least 10x in 25 years but not true for construction material. Land price is exactly 10x. Labour 35/sqft, now 175 Bricks 1500/1000, now 6200 Cement 140/bag, now 360 Steel bars 1300/Qtl, now 6000 Material and labour cost has just increased 5x😊
@@gursharandhillon2931 it depends how you construct your home. 25-30 years back no body use to focus much on building strength. Usually most of the houses were single storey or maximum double storey. Now you can't construct more floors over that same house if its structure is not good enough. Otherwise you can simply renovate the house and live in the same house for another 10-15 years. And when it's come to construct cost, yes it will increase due to inflation. 25 years back 10000 were good enough to run a family of 5-6 members but nowadays same family would struggle to survive in 70-80000 per months and that's why labour is also increased.
The buy vs rent depends on the situation. Which city, property value, mental set up etc. Mobility is also subjective. Your children, your family will not be happy to shift from here to there in every 2 years leaving friends and family behind.
But not in Mumbai.. 1 cr house rent is 40k plus.. better to take loan of 40 lakh and pay EMI.. because you'll not get loan for buying stocks but you'll get for housing..
India real estate prices are very inflated due to black money and all...soon this will be corrected as well like happened with china real estate it cannot go hire and hire continuously
If you dont buy now, it will be impossible to rent in future...salaries are not keeping up with rent....i am very sure rental yield will increase in future...i am talking about cities like Pune, Bengaluru... not nabout small city ... and there may be situation of rental crisis...so own it before you lose opportunities
Bohat generic bol raha hai, no value in this postcard. Totally waste of time. Ghar lena hi hoga. Every year rent increase ho raha hai. Koi predictability nahi ki kitna badhega. Sabse important point agar aapka rent equal to emi ho jata hai, better hai ghar kharid lo.
Are yahi to goa hi dekh oo jab price badh rahe sab nade log influencer Sab to ropa diya khud bech chale gaye lya hi seen he . Abhi yahi ho rha 5 ot 10 yers Property gold jese hi hone wali City are me Rent se acha hi he kon dega Well meri permanent job nHi warna House flat best priority honi chaiye pehle
No kid rule for people who can't sustain themselves . If you are govt. Liability how did you come up with the math that you can afford kids? No right for giving birth to kid who will suffer without any fault of his own.
No man im also poor my house is made of mud my great great grandfather made Well for some bad reason im living even in this old mud or Bengaluru old style house U know just but in my whole vilage 10 of 9 people are 2 or less kids 1 of are 3 4 is bizarre to see im not see at leat in my view 4 kids ik not see Resoen is 1 is kid even now want to be boy in not 2 not 3 After most of 2 kisd stop but some really very few 10 out of 1 2 only go to 3 Amd most of fear living expenses yep living In rural area is also bad One man cant be enough to feed 1 wife 2kisd if add education medical and that stuff But yah we also have some advantages but now it's being no use nowadays prices are so high Yep problem is gov can not able to provide Job Its reality Like china thre also pro in that field they have large market to sell outside But in india we can also have our owe country but we dot have money or that infrastructure Like business Belive me large number can't be settled as job like usa Europe Because 81% are lands of agriculture and big farmer can survive but small is no way man women amd 1 kid is barely enough
Buying house for self use is always better.... The trick is how much emi you want to pay... Dont commit more than 20% of the income towards EMI and Loans liabilities... Always contribute 30% towards investments and remaining towards exp. Most people fails here, they dont plan on how to service loan liabilities.. Dont commit 40% of the income towards EMI
भाई मैं 2 लाख ब्याज दे रहा हूं साल भर का, 31 लाख का लोन लिया है ऊपर से बच्चे भी बड़े या शादी लायक हो रहे है कैसे मैनेज कर रहा हूं मैं ही जनता हूं ।वाइफ का सपना था आज वही बोल रही मैने बोल😢😢 रोऊं या 😂😂
I am not sure where you get to see 75k monthly rent for a house for which buying price is 4.5cr I can give you example of Mumbai suburbs where a apartment of 2.4 cr has monthly rent of 62k
Indian people dream for their own home since their childhood and Banks have made it easy. In olden days people owned their home once they retired but nowadays people make their home when they start the journey of their life. I purchased a plot of land in 2001 in 7.60 lakh and constructed in 90 lakh by availing Bank loan and the same property valued at 4.50 Cr. today, only I used to pay the EMI on-time and get the tax benefits.
Currently all market business are running shows to rent houses....if everyone will have home there is less competition and less business...at least you should have one your own home in life...after that do anything...dont take high cost homes.. affordable and which you can clear within 10 years
घर खरीदने का पूरा गणित भारत में उपस्थित 650 जिलों में से मात्र 20 जिलों का है। उदाहरण के तौर पर इंदौर शहर में प्रधानमंत्री आवास बनाए गए हैं नवनिर्मित फ्लैट आईएस 6 लख रुपए से 28 लख रुपए तक में 2 बीएचके एवं 3 बीएचके मिल जाएंगे। एक करोड रुपए per acre में 650 जिलों में से 400 जिलों में तो मिल ही जाएगी। 1 जमीन में तीन जेनरेशन आराम से खप जाएगी। आपके द्वारा बताया गया संपूर्ण मैथ्स केवल मुंबई शहर वालों के लिए है एवं गुड़गांव जैसे शहरों के लिए।
It is partially right. 2007 main ek flat ka price 7 lakh tha avi same flat ka price 35 lakh. Vai flat ka EMI 35000 hain tho first 5 to 6 year pressure hoga... after 6-7 years valuation of 35000 will equivalent to 17500, after another 6-7 years equivalent to 8750. So, EMI reversing and price of flat increase rapidly and land super rapidly.
Nice point Sir , But please consider 360 degree angel . This is only 1 angel . Which u discussed. India has only 2% land in the world and 18% population . Buy a land or flat at the right time and Property is also releated to emotion .
You can not buy a home buy saving in any developed area. Reason is simple Price of property 1 cr You're saving 10 lakh You're saving grows at rate of 20% and property price by 10% After 14 years property price 4 cr and your saving stands at 1.6 cr
Loan kitna bhi kaise calculate Karte hn emi crore me hi interest ho rha tha to irritate hokar finally full check payment kar diya ab thik hai sukun hai.
Rule no. 1 --> take EMI of Home double of your current rent which you are paying so that by the time it will nullify your rent and all EMIs which you paid will be same like rent only(and property to ban hi rahi hai) Rule no. 2 --> dont buy CAR on loan take time of 5 years and do SIP for it and sell that SIP when market is at peak at 5th year and take CAR of that money only what ever is amount (SIP amount shoud be same as your dream CAR EMl in this time for 7 years) Rule no. 3 --> Enjoy your life yar, jindagi ek bar hi milti hai
Main aaj se 5 years pehle yehi sochta tha.. bilkul galat soch hai.. 1. Jo ghar aaj 4.5 cr ka hai woh 20 saal pehle 1cr ka bhi nai tha. Iss hisaab se 20 saal ke badh ye ghar around 15 cr ka hogga minimum. Tab apki saving 5cr hoggi at max 2. EMI hoggi toh apke fatlu ke expense nai hogge. 3. EMI utni hi lo jitni easily de pao. EMI should be equivalent to rent + - 10%.
Sir, you did not mention about black money involved in buying a residential property !! In Mumbai, almost 30 to 50 percent is black money. Flat price is 4 crore then one has to give approx 1.2 to 2.0 crore in cash !!! The height is that everyone knows the price of flat except the Govt and hence ready Reckoner price is much lower than actual transaction price. That means the Govt itself is supporting and promoting Black Money !!
Do not just invest in gold.. there are multiple avenues where growth can be faster.. and use gold investments to counter or hedge your stock market positions.. diversification is the key and refrain from investing in direct stocks if you don't have knowledge..
@12:26 absolutely wrong statement by host...average flat prices easily increase ,also land ownership also comes with the flat...uska appreciation bhi benefit deta hai
Jo property rent de wo investment hoti hai agar aap stay kar te ho toh wo property liability hai and mutal fund aap rent se start karo na kun bol ra hai 1 cr ka ghar lene k liye property can be of any kind choti baadi these fin influencer will never say go for both property and mutual fund
All the investment principles cannot be applied everywhere in black and white as you say so easily. Real estate is also an investment which gives you return at approximately 2% pa and housing loan you get at 8% pa which is lowest in market. So effectively you can get 90% of loan on an investment asset at effective rate of 6% pa alongwith tax benefits. At the same time the corpus you saved by taking loan can be invested in other instruments like stocks and gold. You shold always take good loans which are offered at less interest rate so you can use your own corpus in other avenues. When you own a house you are also building status in society and giving stability to your family and self which is immensely important for focusing on on everyone's growth and you cannot put price tag on that. Lastly real estate investment is a low volitility investment option than stock securities and no one middle class person with sane mind should put such a heavy amount in high risk instrument which is equivalent to their lifetime income. All you finfluencers are little kiddish in this matter. Peace out ✌🏻
आप लोग इतना पॉडकास्ट करते हो पर ये साफ़ साफ़ नहीं बता सकते की कौनसी कर पर आप खुद ने कितना डिस्काउंट लिया है ताकि कोई दूसरा आदमी भी उसी रेट पर कर खरीद ले तो फिर ये पॉडकास्ट दिखावा है क्यों कि अगर आप सच में फायदा चाहते तो कार डिस्काउंट वाली बात खुल के share करते
paison ka value ka kya sir ? 2014 me Rs 23dollar tha aaj 84 hai EMI par bhi kiyaayedaar aur vaise bhi to kyun ka maalik cum kiraayedaar bane .. na ki bhataknewaale kiraayedaar... vasihat me kiraaya .. hahahah karo save.. life kab khatam hogi ye pata nahi aur save karne ka plan ... how #*#)*)* .. bhaai ji lo jab tak ho ... kharcha soch samajh kar karo aur ghar to apna hee ho ... lekin paison ko kaam par zaroor lagaao varna ye aapke kaam laga dega... baaki aap sabhi mujhse zyaada samajhdaar ho har har mahaadev
Its wrong , buy a Flat which is equivalent to your rent .. you save on your rent + tax exemption and flat / property / land increases . In Delhi Ncr flat rates doubled in last 2 years and rent is going 30 K + for 2 BHK + brokerage + deposits and availability
Main baat to ye hai ki aaap Kitna EMI pay kr skte ho vo dekho Bt log society me dikhava krne k liye 3BHK 4BHK 45lkh to 50lkh me 40lkh ka loan le lete hai or ye Dalal log easily pvt bank se loan b krva dege or pvt bank vale b target complete krne k liye builder k sath mile rehte hai Me jb ghar lene gya tha to builder ne bola saheb total loan krvana ho to abhi karva deta hu Easily ghar mil jata hai bt uske baad kya
Bhai sahab k hisab se mf sip bhi scam hai, hom loan emi bhi scam hai, insurance & mediclaim bhi scam hai.... Bhai jeevan me bacha hi kya sab scam hai... Sanyas kyu nahi lelete but aajkal to baba sanyasi banna bhi scam hai...😅
My plan: Invest in good MF until my corpos become 60L/flat price equivalent at the time of purchasing flat/property put down payment from pocket. Rest should be loan for 30 years and swp of equivalent amount. Benefits 1. I dont need to worry about EMI 2. My investment keep compounding 3. I get my own house Disadvantages 1. It takes time to build corpos (price might raise) 2. If market goes down i might need to pay EMI from my pocket (dont want to withdraw money when market is down) Overall this is good plan if executed properly.
Ghanta mila usse showroom se bahar gadi he abhi wo kitna bhi bole 75 price milega agar bechega Agar 1 yers ho gaya to bhul jao half price bass Kya discount ka karoge Dead miney he vo Maintenance to hehi uper se car bui sasti nahi he
Sir ....U are totally wrong that after 20 years Apartment price not go up which U buy today on cash (No loan if U have sufficient money) ..Just one example of my personal ...I am Ahmedabad I invest Rs. 70 lac before 3 years in Affordable scheme of 3 Bed RM flat....Today resale price is Rs 1 crs ...So now I ask U After remaining 17 years what will price of this my flat ..and ..second ..either I live so I save monthly rent ..if ..I give on rent this flat so I get monthly income ..and ..I can sell this flat any time with extra profit ...U get nothing as per u live in right now and paid monthly Rs 75000 rent ....So pl. don't mis guide about property relates matter .
Pehle bola aapne ki YEH SHARIR KAB TAK HAI ye pata nahi Baad me khud hi bolate ho MAIN ABHI 40 years KA HU , MERE PAAS BAHOT TIME HAI. Not done bro You cannot compare owning a house with renting. Everything is not for saving You have to live life too Remember it
1 crore ka flat bhi 20 saal baad 9 cr ka hoga bhaiyaji,, don't fool the people,,, let's assume I have taken 1cr loan, and paying 8 % interest to bank, out of which you remove 6-7% inflation, 1% tax benifit, 3%rent earning, plus property appreciation, finally you will in profit only, I have multiple flats in bangalore, mutual fund is big scam😂
Ye sab fhutiyapanti he. ..bangalore 80lakh ka home laon lenge to 60k deke 20saal me loan khatam but agar rent me rahoge to minimum 30k and in 3 years it will. Be 33k...then in 20 years it would be nearly 80k...is hisab te..oaisa diya aur mila kuch nahi..agar hoam loan lete to paise fete aur ghar b mil jata
Such podcast are misleading.Baar baar rent wala ghar change karne pe jo wife Kalesh karti hai vo ye nai batayega.Shifting ka kharcha plus saman damage and installation.Morever, tell me a person who actually took his SIP till 20 years non stop .
Bhai mene 35 lac ka flat kharida hai.. 30 lac loan leke.. uski monthly rent 14k aa rahi hai... Bewakoof banana band karo.. ye properly future me bech ke FD se aish karo...😂😂
They gives birth like animals 6/8 children's depends on govt for ration, our tax goes to them for free ration.. Govt should stop distribution of free free free cost of our tax money
Bhai kyu bewakoof banate ho..outer mein plot le je daal do ...saste mein ..baad mein construct kar lena ..yeh emi ka issue hai jab bahut bada ghar bahut luxury wala chahiye ..kam luxury wla chhota ghar le lo..
😂Thnx for motivating people to rent a house...
I own 4 house and get 2+ lakh monthly as rental income and my houses are never empty just because of you guys.
😂
Well, that depends on your current financial condition, two people with same salary with different financial background have to take different decisions based on their conditions! So, no decision is correct or wrong !
ha ha ha ... very nice
Please saw the first comment you are lucky seems
Its not your house...its your father's property
Yeh logics har jagah apply nhi hote
Maine khul plot buy kr ke 75 lakh mai 2 floors ka ghar banaya and 30 lakh ka loan uthaya jiski 27k with insurance emi ja rhi jo ke first floor ke rent 20000 se nikal rha mai. 7000 khud dal rha hoon.
Ab 3 sal baad ghar ki keemat 1.3 cr ho gyi hai and rent bhi badh rhe hai. 2026 tak meri emi 27k sirf rent se jaygi and ghar ki kremat bhi badhti rhe gi. Is ke logic kuch specific case mai thik hai.
This is conditional. I bought a land in 2018 for 80 lakhs today people are asking to buy it for 2 cr. I took a loan of 44 lakhs to buy it. If I keep paying EMI for 15 years off course I won’t make much profit even if the land appreciates. I did part payment over and above the EMI. The loan is still 10 lakhs left today but I m still siting on a good profit. You do the calculations. I bought another land in 2019 for 60 lakhs today its worth is 1 cr today. If I sell it today I can do construction on the other land. And get rental income from 3 floors. Buying property is like picking stocks. If you buy a stupid property like a flat in tier 3 city, it’s not going to appreciate much. If you invest in upcoming projects like smart cities which are going to create jobs and bring end users the property will appreciate a lot. Also if you take 80 to 90 % of loan and your salary is so low that you only pay EMIs and nothing above, and property also is not a good pick and won’t appreciate much, then you have put yourself in a difficult situation. Buying a prelaunch property from a reputed builder and selling it in few years after RERA is approved and other such tricks can help you make some money. Emotional buyer in real estate buy over prices properties at saturated markets hence they suffer.
@@riseup2227 land very rarely depreciate in value even in tier-3 cities. In fact the risk is not if the land value will go down rather land itself will be encroached
Buying land in 2018 for 80 lac. Today worth 2 crore. That is 16% cagr. Mutual funds have given 30% bro
@@Spidhey? That’s 250 % appreciation in 6 years
@@shahbaztherealdudewe are not talking about farm land ki koi kabza dal dega. DLF ki society ke andar RERA approved plot, papers apke aur builder ke pas even without registery is safe.
@@riseup2227 wohi to ham bole. The point is land is very safe and may never always depreciate in value.
Koi flat maat kharido.....loan pa....life zaand ho jati hai....apni wife gf ko dikana k liya flat kabi maat kharido....pichla 12 saal sa stress may ji raha hu...agla 8 saal loan pending hai......budda ho gaya may 50saal ka....jissa impress karna k liya tha wo bi buddi ho gai.....maat pocho life kaisi gujri hai.....jiss k liya kiya wo hi galli deti hai....😢
Bhai ghar rehne ke liye hota hai impress karne ke liye nahi. Makaan becch kar rent pe le lo 1 saal me samajh aa jaayega jab har month rent doge.
@@gauravaggarwal1983 correct
bhaiyya management needs to carry out with this things...dont feel painful now you can sell that home at market price and enjoy lifetime by earning intrest on that amaount
@@gauravaggarwal1983 - Sirf 2 saal EMI bharke dekho samajh mein ayega😂😂
Tension mat lo brother sab thik ho jayega.
I constructed my house 25 years back and now constructing again (for children). Normally people say everything will be at least 10x in 25 years but not true for construction material. Land price is exactly 10x.
Labour 35/sqft, now 175
Bricks 1500/1000, now 6200
Cement 140/bag, now 360
Steel bars 1300/Qtl, now 6000
Material and labour cost has just increased 5x😊
India me samzhama mushkil he behlana asan
@@gursharandhillon2931 it depends how you construct your home.
25-30 years back no body use to focus much on building strength. Usually most of the houses were single storey or maximum double storey.
Now you can't construct more floors over that same house if its structure is not good enough.
Otherwise you can simply renovate the house and live in the same house for another 10-15 years.
And when it's come to construct cost, yes it will increase due to inflation.
25 years back 10000 were good enough to run a family of 5-6 members but nowadays same family would struggle to survive in 70-80000 per months and that's why labour is also increased.
Perfect Answer
sir with black shirt has a great sttitude.the way he speaks so frankly, so detailed, so practical, i realyy like..salute sir
The buy vs rent depends on the situation. Which city, property value, mental set up etc.
Mobility is also subjective. Your children, your family will not be happy to shift from here to there in every 2 years leaving friends and family behind.
4.5 cr. ke ghar ka rent 75k only. But 1 cr. ke ghar ka rent at least 30k in Kolkata.
Rent is cheaper in expensive properties only
So its lesser than fd interest of 1 cr . 7 lakh annual
@@asharma1775 Rent will keep on increasing alongwith property value. Your FD interest won't keep growing and principal will deteoriate to inflation.
Yes it's true. In Kolkata low budget flat rent is higher
@@kunalbanerjee5562 As a thumbrule buy a good and big house for your own consumption. Buy a small size unit for investment.
But not in Mumbai.. 1 cr house rent is 40k plus.. better to take loan of 40 lakh and pay EMI.. because you'll not get loan for buying stocks but you'll get for housing..
What about your children school? How can u keep changing home again and again? Finding good home on rent is not easy.
India real estate prices are very inflated due to black money and all...soon this will be corrected as well like happened with china real estate it cannot go hire and hire continuously
Only one point buy a small home first in some good area and then keep it updated as your income grows.
S2
If you dont buy now, it will be impossible to rent in future...salaries are not keeping up with rent....i am very sure rental yield will increase in future...i am talking about cities like Pune, Bengaluru... not nabout small city ... and there may be situation of rental crisis...so own it before you lose opportunities
Bohat generic bol raha hai, no value in this postcard. Totally waste of time.
Ghar lena hi hoga. Every year rent increase ho raha hai. Koi predictability nahi ki kitna badhega.
Sabse important point agar aapka rent equal to emi ho jata hai, better hai ghar kharid lo.
Are yahi to goa hi dekh oo jab price badh rahe sab nade log influencer
Sab to ropa diya khud bech chale gaye lya hi seen he .
Abhi yahi ho rha 5 ot 10 yers
Property gold jese hi hone wali
City are me
Rent se acha hi he kon dega
Well meri permanent job nHi warna
House flat best priority honi chaiye pehle
Bilkul is type ka gyaan vo fraudiya ashneer grover bhi deta tha. Khali bakchodi hai ye aur kuch nahin
Problem is that they are giving birth to 4 to 6 kids, & seeking help from govt, 1st govt should make a rule that more than 2 kids , no ration
No kid rule for people who can't sustain themselves . If you are govt. Liability how did you come up with the math that you can afford kids? No right for giving birth to kid who will suffer without any fault of his own.
No man im also poor my house is made of mud my great great grandfather made
Well for some bad reason im living even in this old mud or Bengaluru old style house
U know just but in my whole vilage
10 of 9 people are 2 or less kids
1 of are 3
4 is bizarre to see im not see at leat in my view 4 kids ik not see
Resoen is 1 is kid even now want to be boy in not 2 not 3
After most of 2 kisd stop but some really very few 10 out of 1 2 only go to 3
Amd most of fear living expenses yep living
In rural area is also bad
One man cant be enough to feed 1 wife 2kisd if add education medical and that stuff
But yah we also have some advantages but now it's being no use nowadays prices are so high
Yep problem is gov can not able to provide Job
Its reality
Like china thre also pro in that field they have large market to sell outside
But in india we can also have our owe country but we dot have money or that infrastructure
Like business
Belive me large number can't be settled as job like usa Europe
Because 81% are lands of agriculture and big farmer can survive but small is no way man women amd 1 kid is barely enough
A powerful video showing how middle-class families gradually fall into the EMI trap, turning dreams into lifelong burdens.
Apartment k rate nhi badte correct
But Apartment location k badte hai. Eg Noiad greater noida expressway
So indirectly Rate to badte hai
Buying house for self use is always better.... The trick is how much emi you want to pay... Dont commit more than 20% of the income towards EMI and Loans liabilities... Always contribute 30% towards investments and remaining towards exp.
Most people fails here, they dont plan on how to service loan liabilities.. Dont commit 40% of the income towards EMI
भाई मैं 2 लाख ब्याज दे रहा हूं साल भर का, 31 लाख का लोन लिया है ऊपर से बच्चे भी बड़े या शादी लायक हो रहे है कैसे मैनेज कर रहा हूं मैं ही जनता हूं ।वाइफ का सपना था आज वही बोल रही मैने बोल😢😢 रोऊं या 😂😂
1998 me 150000 300 square yard jameen liya tha uska value 1crore 30 lakh ho gya ha ..
Yearly 18% se grow kiya hai.
I am not sure where you get to see 75k monthly rent for a house for which buying price is 4.5cr
I can give you example of Mumbai suburbs where a apartment of 2.4 cr has monthly rent of 62k
Indian people dream for their own home since their childhood and Banks have made it easy. In olden days people owned their home once they retired but nowadays people make their home when they start the journey of their life. I purchased a plot of land in 2001 in 7.60 lakh and constructed in 90 lakh by availing Bank loan and the same property valued at 4.50 Cr. today, only I used to pay the EMI on-time and get the tax benefits.
Currently all market business are running shows to rent houses....if everyone will have home there is less competition and less business...at least you should have one your own home in life...after that do anything...dont take high cost homes.. affordable and which you can clear within 10 years
घर खरीदने का पूरा गणित भारत में उपस्थित 650 जिलों में से मात्र 20 जिलों का है। उदाहरण के तौर पर इंदौर शहर में प्रधानमंत्री आवास बनाए गए हैं नवनिर्मित फ्लैट आईएस 6 लख रुपए से 28 लख रुपए तक में 2 बीएचके एवं 3 बीएचके मिल जाएंगे।
एक करोड रुपए per acre में 650 जिलों में से 400 जिलों में तो मिल ही जाएगी। 1 जमीन में तीन जेनरेशन आराम से खप जाएगी। आपके द्वारा बताया गया संपूर्ण मैथ्स केवल मुंबई शहर वालों के लिए है एवं गुड़गांव जैसे शहरों के लिए।
Correct
It is partially right. 2007 main ek flat ka price 7 lakh tha avi same flat ka price 35 lakh. Vai flat ka EMI 35000 hain tho first 5 to 6 year pressure hoga... after 6-7 years valuation of 35000 will equivalent to 17500, after another 6-7 years equivalent to 8750.
So, EMI reversing and price of flat increase rapidly and land super rapidly.
Nice point Sir , But please consider 360 degree angel . This is only 1 angel . Which u discussed. India has only 2% land in the world and 18% population . Buy a land or flat at the right time and Property is also releated to emotion .
Sanjay sir bas big boss mat jana I like your attitude 😅 Thanks for your advice
You can not buy a home buy saving in any developed area. Reason is simple
Price of property 1 cr
You're saving 10 lakh
You're saving grows at rate of 20% and property price by 10%
After 14 years property price 4 cr and your saving stands at 1.6 cr
Wow epic man, mostly the discussion on home loan
Loan kitna bhi kaise calculate Karte hn emi crore me hi interest ho rha tha to irritate hokar finally full check payment kar diya ab thik hai sukun hai.
अब ये नया ग्यानी आया है.......
Y3 sab bolne me thik lagta hai, jab land lord bagata hai ghar se tab samajh aata hai ki apna ghar apna hota hai
Rule no. 1 --> take EMI of Home double of your current rent which you are paying so that by the time it will nullify your rent and all EMIs which you paid will be same like rent only(and property to ban hi rahi hai)
Rule no. 2 --> dont buy CAR on loan take time of 5 years and do SIP for it and sell that SIP when market is at peak at 5th year and take CAR of that money only what ever is amount (SIP amount shoud be same as your dream CAR EMl in this time for 7 years)
Rule no. 3 --> Enjoy your life yar, jindagi ek bar hi milti hai
Thank you please promote and tell not to own a flat. My flat rent will increase from 18000/- to 22000/-
Main aaj se 5 years pehle yehi sochta tha.. bilkul galat soch hai..
1. Jo ghar aaj 4.5 cr ka hai woh 20 saal pehle 1cr ka bhi nai tha. Iss hisaab se 20 saal ke badh ye ghar around 15 cr ka hogga minimum. Tab apki saving 5cr hoggi at max
2. EMI hoggi toh apke fatlu ke expense nai hogge.
3. EMI utni hi lo jitni easily de pao. EMI should be equivalent to rent + - 10%.
पर यह तो बताओ katuriya sir
कौन सी एसआईपी करनी है?
14 lack flat in 2010 now 50 lacks..till 2030 it will be 1Cr..so consider 7.5 time inflation in 20 years
Ye to hai bhai
Liquidity is king
Tax bachana hai, to Home loan lena hi prega😂😂😂nhi to har sal 1-2 lakh tax extra dena prega
Warren Buffett k statements hai konsa book se hai please tell
Maine plot liya hai aur ghar bana raha hun 34 ki age mein
Konse gaon me?
@@bassworld5279zirakpur near chandigarh
किस्मत वाला होगा तो गांव में बनाएगा साफ हवा और साफ पानी मिलेगा उसको
20 saal baad kya ghar ka price wahi rahega jo aaj hai?
Government and politician are worried about their own interest.
Tier 2 and tier 3 cities me duplex Lena Aaj bhi bht acchi investment hai
Aao na bhai bihar me 😂
@shashibhushankr16 bilkul aayenge... aap bulaiye to
Loan leke extra pay kar sakte hai principal amount ka........ Mutual fund promoters
Fully logically talking
Sir, you did not mention about black money involved in buying a residential property !!
In Mumbai, almost 30 to 50 percent is black money.
Flat price is 4 crore then one has to give approx 1.2 to 2.0 crore in cash !!!
The height is that everyone knows the price of flat except the Govt and hence ready Reckoner price is much lower than actual transaction price.
That means the Govt itself is supporting and promoting Black Money !!
Please reply can we consider investment in gold pure only as a liquid asset
Do not just invest in gold.. there are multiple avenues where growth can be faster.. and use gold investments to counter or hedge your stock market positions.. diversification is the key and refrain from investing in direct stocks if you don't have knowledge..
Sure buy Gold
Adopting a kid is cheaper instead of having your own, so remember always rent a Kid😅
Brother, it is absolutely right. You should definitely adopt it and your wife will also be happy with it.
Yeh badiya tha guru😂
Ye banda 20 saal baad bhi 10 Cr nahi bana paya- Crore plus income mai ab tak toh iske pass 15 20 Cr hone Chahie thain
Suno sabki karo apne dil kiy jo achha lge wo karo
En capitalist k chakkar mein mat aao..ye tumhara paisa mutual fund mein sip krate rhenge aur khud silently real-estate mein holding bhadate ja rhe h😂
Yep freeh example goa ka 🥶🖤
Kya ch@u banaya itna galat seen ki kya bole
Bilkul sahi bola bhai😂
You are wrong...home emi Lelen chahiye 10 sal ke bad same home 2x. Me milega
Agr secure govt job ho to us hisab se home loan sahi hai kyo ki home loan or emi dono same hone ki condition me last me kuch bachega nahi
@12:26 absolutely wrong statement by host...average flat prices easily increase ,also land ownership also comes with the flat...uska appreciation bhi benefit deta hai
Ghar bhale hi bank ka hai but sell krne ka option apne paas bhi hai
Aree woh 10 saal baad wala ghar redevelopment mei jayega uske chances bhi toh hai bhai....usme bhi thoda zyada fsi milega toh jagah milegi us hisabse naya hi hoga plus thodi jagah bhi zyada milegi
Jo property rent de wo investment hoti hai agar aap stay kar te ho toh wo property liability hai and mutal fund aap rent se start karo na kun bol ra hai 1 cr ka ghar lene k liye property can be of any kind choti baadi these fin influencer will never say go for both property and mutual fund
Pune me 70lakh me aa jata hai bhai 2BHK
Where??
All the investment principles cannot be applied everywhere in black and white as you say so easily. Real estate is also an investment which gives you return at approximately 2% pa and housing loan you get at 8% pa which is lowest in market. So effectively you can get 90% of loan on an investment asset at effective rate of 6% pa alongwith tax benefits. At the same time the corpus you saved by taking loan can be invested in other instruments like stocks and gold. You shold always take good loans which are offered at less interest rate so you can use your own corpus in other avenues. When you own a house you are also building status in society and giving stability to your family and self which is immensely important for focusing on on everyone's growth and you cannot put price tag on that. Lastly real estate investment is a low volitility investment option than stock securities and no one middle class person with sane mind should put such a heavy amount in high risk instrument which is equivalent to their lifetime income. All you finfluencers are little kiddish in this matter. Peace out ✌🏻
Emi pe flat lo lekin jitna bhar sakte ho utna hee lo DP amount aacha rakho
Truth yehi hai ke aap apni puri life rent pe rahoge naaki apne khud ke ghar main
Many things he is talking are not true I don’t agree just because he is talking with confidence doesn’t mean it’s trye
आप लोग इतना पॉडकास्ट करते हो पर ये साफ़ साफ़ नहीं बता सकते की कौनसी कर पर आप खुद ने कितना डिस्काउंट लिया है ताकि कोई दूसरा आदमी भी उसी रेट पर कर खरीद ले तो फिर ये पॉडकास्ट दिखावा है क्यों कि अगर आप सच में फायदा चाहते तो कार डिस्काउंट वाली बात खुल के share करते
75 k rent on 4.5 cr house. Rental yield 0.17%. Itna kam rent kaise ho sakta hai. Normally it is in range of 2-3%
Ye MLM waala hai 😂
Mumbai me 50 lakh ke ghar ka rent 24k 25k hai inka kuch suno mat
paison ka value ka kya sir ? 2014 me Rs 23dollar tha aaj 84 hai
EMI par bhi kiyaayedaar aur vaise bhi to kyun ka maalik cum kiraayedaar bane .. na ki bhataknewaale kiraayedaar... vasihat me kiraaya .. hahahah
karo save.. life kab khatam hogi ye pata nahi aur save karne ka plan ... how #*#)*)* ..
bhaai ji lo jab tak ho ... kharcha soch samajh kar karo aur ghar to apna hee ho ... lekin paison ko kaam par zaroor lagaao varna ye aapke kaam laga dega...
baaki aap sabhi mujhse zyaada samajhdaar ho
har har mahaadev
Its wrong , buy a Flat which is equivalent to your rent .. you save on your rent + tax exemption and flat / property / land increases . In Delhi Ncr flat rates doubled in last 2 years and rent is going 30 K + for 2 BHK + brokerage + deposits and availability
Rent 20,000 . Kaun se sadi mein ho. Aaj kal Bangalore mein PG ka bhi 15,000 hai.
I stay in one of the siddha group's complex in Kolkata, 3 BHK, 1400 sqft with all amenities..
Rent 20K PM
yahi toh dikkat hai in logonki bhram me dalte rahte hai
@@MrSatadal its will far away from all prime locations
Hamare Ahmedabad main to 30+ hai
Delhi ncr me kai locakities hain jaha 20k me 3bhk mil jata hai.
Har koi gated society me hi nahi rehta
Home loan is the biggest trap in Indian Market.
Great podcast 👍😄
❤❤❤❤❤ Very nice episode
Main baat to ye hai ki aaap Kitna EMI pay kr skte ho vo dekho
Bt log society me dikhava krne k liye 3BHK 4BHK 45lkh to 50lkh me 40lkh ka loan le lete hai or ye Dalal log easily pvt bank se loan b krva dege or pvt bank vale b target complete krne k liye builder k sath mile rehte hai
Me jb ghar lene gya tha to builder ne bola saheb total loan krvana ho to abhi karva deta hu
Easily ghar mil jata hai bt uske baad kya
Bhai sahab k hisab se mf sip bhi scam hai, hom loan emi bhi scam hai, insurance & mediclaim bhi scam hai.... Bhai jeevan me bacha hi kya sab scam hai... Sanyas kyu nahi lelete but aajkal to baba sanyasi banna bhi scam hai...😅
Everything in this PC make sense if you have a house of parents. Ask those who always stayed on rental.
My plan:
Invest in good MF until my corpos become 60L/flat price equivalent
at the time of purchasing flat/property put down payment from pocket.
Rest should be loan for 30 years and swp of equivalent amount.
Benefits
1. I dont need to worry about EMI
2. My investment keep compounding
3. I get my own house
Disadvantages
1. It takes time to build corpos (price might raise)
2. If market goes down i might need to pay EMI from my pocket (dont want to withdraw money when market is down)
Overall this is good plan if executed properly.
loan ke chakkar me property ke rate bht zyada badh rahe hai
Good video🎉🎉
ये यूट्यूब यहां कुछ भी बोलो कोई तो सुनेगा ही।।
Bevkuf aadami jo ghar Aaj 1 karod KA vah 20 sal bad mein 5 karod ka hoga Na
Agar ghar nahi liya aur paise bhi invest nahi kiye to phir to gaye samjho
Sirf jameen khareedo aur kuchh nahi mujhe to dusre banaya hua ghar kabhi pasand hi nahi hota
Investor buy property on debt and pay no tac
It seems all three are at same level
Pure SIP Salesmen Skills😜🤣💯
Loved this episode. Thank you guys
vo gadi pe kitna percent discount liya vo bhi bata dete yaar
Ghanta mila usse showroom se bahar gadi he abhi wo kitna bhi bole 75 price milega agar bechega
Agar 1 yers ho gaya to bhul jao half price bass
Kya discount ka karoge
Dead miney he vo
Maintenance to hehi uper se car bui sasti nahi he
Bhai isna secret khol diya, per i m sure tabbhi koi follow nhi karega
Sir ....U are totally wrong that after 20 years Apartment price not go up which U buy today on cash (No loan if U have sufficient money) ..Just one example of my personal ...I am Ahmedabad I invest Rs. 70 lac before 3 years in Affordable scheme of 3 Bed RM flat....Today resale price is Rs 1 crs ...So now I ask U After remaining 17 years what will price of this my flat ..and ..second ..either I live so I save monthly rent ..if ..I give on rent this flat so I get monthly income ..and ..I can sell this flat any time with extra profit ...U get nothing as per u live in right now and paid monthly Rs 75000 rent ....So pl. don't mis guide about property relates matter .
Jo jisko nhi aata wo usko scam hi lgata hai 😂😅
Jisko stock market ya mf mein invest karna nhi aata wo unko bhi scam lagta hai 😅
Bhai Tune Sachai Bata Di Koi Course Bnao 😅😅😅😅 Aur Logo Ko Bevakuf Bano, Apni Income 10X Karo
Pehle bola aapne ki
YEH SHARIR KAB TAK HAI ye pata nahi
Baad me khud hi bolate ho
MAIN ABHI 40 years KA HU , MERE PAAS BAHOT TIME HAI.
Not done bro
You cannot compare owning a house with renting.
Everything is not for saving
You have to live life too
Remember it
1 crore ka flat bhi 20 saal baad 9 cr ka hoga bhaiyaji,, don't fool the people,,, let's assume I have taken 1cr loan, and paying 8 % interest to bank, out of which you remove 6-7% inflation, 1% tax benifit, 3%rent earning, plus property appreciation, finally you will in profit only, I have multiple flats in bangalore, mutual fund is big scam😂
Ye certified actor hai
The best way to live life is to keep your pleasures cheap ..
Ye sab fhutiyapanti he. ..bangalore 80lakh ka home laon lenge to 60k deke 20saal me loan khatam but agar rent me rahoge to minimum 30k and in 3 years it will. Be 33k...then in 20 years it would be nearly 80k...is hisab te..oaisa diya aur mila kuch nahi..agar hoam loan lete to paise fete aur ghar b mil jata
भाई जिनके बच्चे हैं वो लोग 4 साल में घर नहीं बदलते । सरकार म्युचुअल फंड में tax 20 परसेंट कर देगी । जब बीस साल बाद 5 करोड़ निकलोगे ।
Health care taken care by govt in western countries? What a joke. Yeh do samne jo baithe hai yeh duniya nahi ghume😅😂
इस होशियार से बोलो जॉब का बताए फिर ये क्या करना ये सब कर लेंगे
Such podcast are misleading.Baar baar rent wala ghar change karne pe jo wife Kalesh karti hai vo ye nai batayega.Shifting ka kharcha plus saman damage and installation.Morever, tell me a person who actually took his SIP till 20 years non stop .
Bhai mene 35 lac ka flat kharida hai.. 30 lac loan leke.. uski monthly rent 14k aa rahi hai... Bewakoof banana band karo.. ye properly future me bech ke FD se aish karo...😂😂
They gives birth like animals 6/8 children's depends on govt for ration, our tax goes to them for free ration.. Govt should stop distribution of free free free cost of our tax money
Bhai kyu bewakoof banate ho..outer mein plot le je daal do ...saste mein ..baad mein construct kar lena ..yeh emi ka issue hai jab bahut bada ghar bahut luxury wala chahiye ..kam luxury wla chhota ghar le lo..