இன்றைய காலத்தில் இப்படியொரு நல்ல எண்னம் கொண்ட பொருளாதார நிபுணர் திரு. ஆனந்த் அவர்களின் சேவை ஏழை எளியவர்களுக்கு கிடைத்த பொன்னான வாய்ப்பு . குருஜி நீண்ட காலம் நலமுடன் வாழ வாழ்த்துக்கள் 🙏
எங்க சொந்த வீடு கட்ட licயில் வாங்கிய கடனை 2 வருடங்கள் முன்னதாக முடித்தோம் (10% extra கட்டி) யாரும் எங்களுக்கு சொல்லல எங்களுக்கு கடன் இருப்பது பிடிக்காது சீக்கிரம் முடிக்கணும் என்று நினைப்போம் ( நான் & எங்க அப்பா அம்மா மூவரும் ஒரே எண்ணத்தில் செயல்பட்டோம்) Lic கடன் வட்டி கம்மி so அதை கடைசியாக முடித்தோம் முதலில் வெளியே வாங்கிய (அதிக வட்டிக்கு) கடனை ஒன்றன் பின் ஒன்றாக முடித்தோம்) Sir சொல்வது 100% உண்மை உண்மை உண்மை 👍👍👍 முதலில் வட்டி அதிகமாக உள்ள கடனை முடிக்க வேண்டும் & ஒரு குறிப்பிட்ட அளவு (மாதம்) வட்டி விகிதம் கட்டியே ஆக வேண்டும் என்ற கடனை வாங்கவே கூடாது because முன்பாக முடிக்க நினைத்தாலும் bank தான் லாபம்
பில்டர்ஸ் அப்படின்னு தப்பா நினைக்காதீங்க சார் பில்டர்ஸ் எல்லாம் ஒண்ணுமே இல்ல நானும் ஒரு பில்டர்தான் கடந்த வருடம் 5 பில்டிங் கட்டி முடித்திருக்கின்றோம் ஒன்றும் பெரிதாய் சொல்லிக்கிற அளவுக்கு இல்லை இஎம்ஐ கடனில் தான் உள்ளோம்
Golden ideas from Anand sir, 1. Don't buy home, stay in rent 2. Build your wealth at physical gold in early career 3. Invest in nifty50 index and stay invested. 4. Don't waste money on luxury products. 5. Acquire talent every day by reading articles and books. You are such a well wisher of Tamil middle class community. Hat's off. I'll pray for your health for long life. I accept this as a selfish thought. Because then only I can acquire you idea and talent from day by day ❣️👌🙏
This awareness is good. i would recommend the team to demo in excel by adding 10percent and 1 or 2 Extra EMI So that the number of years getting reduced, so that the viewers can experience that by seeing and they will never forget.
100% right sir, I took 33 lac loan on 2019 and based on the same plan now I able to close the loan in 40 months. ❤ but etha eppa erukura generation follow pannurathu rombha kastam . Because en kooda veedu vangina enoda friend epaiyum emi Katuran and new car vangi athoda emi yum Katuran. But naan ennun enoda old car than vachi otturen and closed the home loan and started the investment plan. Sir. ❤ last ah soningale sir antha point ah than naan Panna paron for my 2nd house. 😊
Keshav bro, please request Anand sir to write a book or video on Child finance education. It will be helpful to get a financially educated and disciplined generation.
I took loan in 2015. After first 2 years, I realized that I am trapped. Then I prepared an excel to calculate EMI. With that I calculated and planned my EMI properly and closed my loan in 2020 December. Whatever Mr. Anand sir said is correct. I followed it 4 yrs back and it worked well.
Anand Sir - I wonder how you could understand the pain of middle class despite born rich and being rich. It shows your value system. Your selfless act will keep you healthy and active. My way of living is constantly being refined with your experienced inputs from time to time. Always grateful to you, your brother and your MP team!!!
Without consultation, how many would give suggestions. That too genuine suggestions. Here is the man. Take a bow sir. Just for the betterment of society you spend time. It's a great service to the society. I am lucky I found you and started to follow. I escaped from home loan only because of your suggestion. Now I am realising what it would been struggling with if I have not found you. Every suggestions you give are golden words. Long live sir. Thank you
மிகவும் உண்மை. லோன் வாங்கி வீடே கட்டக்கூடாது. கடந்த பத்து வருடங்களாக என் உழைப்பே போய்கொண்டிருக்கிறது. கடைசியாக வீட்டை வித்துடலாமா என்ற எண்ணமே வந்து கொண்டுதான் வந்துட்டே இருக்கு. கொஞ்சம் தாமதித்திருந்தேன்னா. இந்நேரம் கடனில்லாமல் வீடே கட்டி முடித்திருப்பேன்.
உங்களால் பாமரனும் பயனடைய வேண்டும் தெரியாத அனைவரும் இந்த விஷயம் தெரிய வேண்டும் ஆனால் எல்லார் கையிலும் செல்போன் உள்ளது பார்ப்பவர்கள் அனைவரும் திருந்த வேண்டும் நன்றி மிக்க நன்றி உங்களால் நாங்களும் பயன் அடைகிறோம் உங்களிடம் வேலை செய்பவரும் பயனடைகிறார்கள் யார் என்ன சொன்னாலும் உங்களால் முடிந்த விஷயங்களை எல்லோருக்கும் தெரியப்படுத்தவும் நன்றி
Just a suggestion .when anandh sir says these types of calculation, team can include at last with a calculation video with a amount taking as 1lakh as an example.
Suggestion: 1. FIRST Don't go for any other loans apart from home loan 2. Pay off loan as much as possible 3. Change company for higher salary to pay off loan 4. Don't do unnecessary expenses
He runs this youtube channel just to give his valuable information and the money received is given to youngsters who works with him.. apart from salary. This is a noble deed with a purpose
Can you please explain about kanthu vati ( which should be paid within 100 days) and how the people are loosing their money and who is gaining money. It will help lot of middle class people and businesses….🙏🙏🙏
Ipove rent for 2bhk nalla area la 15k to 30k podhu. Inum 6 7 years la rent eh 50k thandirum. Atleast vidu vanguna own house nu oru peace irukume . So home loan edukulam but extra pay panni mudichirnum
6:40 bonus 1.5L and tax returns 1.5L so 3L we can get or atleast 2.5L we can get (bonus +tax returns) so again we can save more.,we buy bulk gold purchase during April, May while tax returns and apo gold chit end agura mari plan panina we can invest more on gold, once in a year gold purchase panrathu regular aguthu and savings um atigam agum, we are following ✌️
Thank you Anand sir and Kesav for this video If I came to know 10 year ago I could have saved lot of money 🙄 Ur 100%correct sir no school or college will teach us Continue the good work
Interest rate in SBI Bank is 9.4 % for term loan and 9.8% for max gain, bangalore. 2 days ego we went to bank to increase our EMI and shift from max gain to term loan. You are right sir we should not take home loan.
Couple of my friends went from term to MaxGain to make use of its benefits. Surprise to see the reverse approach. I had similar to MaxGain load from HSBC and was able to close it in 7 years (47Lak)
People who are advising not to buy house are the one who have their own house. 1.Nowadays in places in Bangalore rent is around 35k for 2 bhk. Emi would be 40k plus down payment. In 5 years rent might increase to 45 to 50k. But emi will remain same. 2.Home loan is only 8.5 percent. If you invest the excess amount in good mutual funds you might get around 10 percent 3. Peace of mind is a good thing if you are in your own house. House hunting every time is a big headache and then add the relocation costs 4. Kassu sethu vachi 5 years kalichu vaangum bothu, property value will increase. So again you will go for loan. Also, it is good to go for loan since bank do the legal check.
sir, what you are advising you is absolutely true. I have avaialed a home loan 2010 for rs20 lakhs. like you advised i have pre paid and closed the home loan in 5 years. I appreciat your knowledge and also sharing with others.
Comment la iruntha inspire aai, athuku advice kuduthathuku nandri, Best thing is, all private banks doesn't accept 10% of annual emi,for that you mentioned it was 3months of emi for repayment, Many of RUclips channel addressing this content and also chart it for understanding, but all missed this one point, you can't pay repayment by your own plan, while signing in document they won't tell you until asked in bank, i asked it in hdfc and also mentioned about one person somewhere in TN he was ready full repayment , but bank won't accept it, they said full repayment they won't accept, but they accept above 3month of emi. So Heart❤full Thank you sir...for mentioning 3month emi - point 🙏🙏🙏🙏
HDFC or anyother bank also none of them informed in a msg also rate of interest came down....when v go to repay they vl tel us to put the remaining amount in FD
30 years before a good salary was 4k per month. House/flat of 1000 sqft in prime areas used to cost 60k-1.2Lakh. EMI would be Rs. 700-1000 per month. Assuming the term agreed was 30 years and due to adverse interest rate, term increased to 50 years. Will an emi of Rs. 1000 per month even matter in 2023. And with current salary the whole loan can be paid off in one month salary itself. There is no need to live frugal and pay off the loan. Salary is always increasing and emi is fixed. Only increase monthly payment when you have too much money savings account. Otherwise the excess money is better to be invested in index funds as over a period of 10 years it will always give better returns than paying off the loan. Living frugal and not enjoying life is not worth it.
@@saravanankumar1450 Our population is increasing and more people are going from poor to middle class. Apart from natural disasters, house prices will be multi fold in next 30 years. Emi though will be constant
Thank you sir. I have followed the same for my home loan. In addition another option is in state bank one home loan scheme is available called Maxiclaim. In this scheme we can park the additional money in the home loan account whenever possible. For parked amount no interest and adjust in the principle. In this advantage is in case of emergency expenses we can take parked amount. Anand sir please brief plus and minus of this scheme.
This is one of the fantastic loan option and many banks wont advice it. They cant make big money from this loan. I took a similar SmartHomeLoan from HSBC and closed my loan amount in 7 years. Your parked amount would earn the same interest. Some of the points AS mentioned in this video already available in this loan.
Hi Khesav , please bring this topic for discussion with Anand sir . Since we are entering new financial year , it s important to plan our tax exemption . Is there any change in price band in recent budget ? Currently 45 lakhs price band in home loan exists which qualifies for home buyers to show under tax exemption section 24b . But we can't buy new house for 45 lakhs in cities . Any good news for middle class persons who are willing to buy home via housing loan ? How can persons in 30 per tax bracket can save tax ?
🎉🎉Money Pechu team members should be fortunate enough to have a Father figure in Anand. And what he says about the loan, leave alone housing loan, ANY loan is 100% correct. As a retired banker, I agree with him. You keep paying atleast 10% more than your EMI. This will help you even if the interest rate increased. And what Anand says, NO Ban😢k will tell you.❤❤
You will end up closing the loan faster in 12years instead of 20years........ but the bank will take all the interest of 20years in first 4-5yrs as part of EMI, its a very good idea for new loaners
Kesav oda portfolio video la podunga. Ipo avaru stock vanguraruna evlo quantity apdey aniku oru video or shorts ha podunga .. ithu romba helpful ha irukum team
Hii sir. Index fund is useful for low brainer as well as great growth in terms of long term. There is several direct funds offer index funds. How to select good fund house, what is the procedure for registration and how to invest money on it ? Please make a clear vdo sir. There is lot of vdo in RUclips but no one can't convey whole thing. Please make a vdo sir. It will be useful for us.
@Kehsav, on behalf of me ask Anand sir one question . As per of Anand sir advice, if everyone started saving and investing in stocks by avoiding unwanted expenses, then how compannies will grow for example if avoid excess house buying construction & construction companies profit will come down then demand for that.stock will fall, similarly for automobiles & bank profit will fall down due to lesser loans like that. We can quote many. In this condition, how economy will behave & stock markets will move?
He is strongly insisting middle-class ppl change their life to the upper middle class so obviously the change won't happen immediately (actual fact), but purchasing power of ppl already have enough purchasing power, so they are definitely not going to stop, so things are easy. And, try to generate more than one income, don't rely on a single income.
Hi sir, Instead of going with home loan with floating interest can we go for personal loan with fixed interest rate so that we can avoid increasing emi and month in future?
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
சாமி இதல்லாம் ஏழை எளிய மக்களுக்கு செய்யும் சேவை உங்களுக்கு புண்ணியம் கிடைக்கும் சார்.
சுயநலமாக இருக்கும் மனிதர்களிடயே, பொதுநலத்தை கருத்தில் கொண்டு அறிவுரை கூறும் எங்கள் குரு ஆனந்த் சார்க்கு எனது நன்றிகள். 💫🙏
❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤
Ellarum selfish than bro ..
@NBFC LOAN DP NUMBER👈 Loan vaangadha nu sollittu irukkaru. Andha video la eh vandhu loan ku contact pannunga nu solra paaru. Mass panriye bro 😂😂😂
❤❤❤ 💯💯
ஆனந்த் சீனிவாசன் சார் சொல்வது நூற்றுக்கு நூறு உண்மை
9.71 lakhs to 9.75 lakhs subscribers in 2 days... Super sir...
இன்றைய காலத்தில் இப்படியொரு நல்ல எண்னம் கொண்ட பொருளாதார நிபுணர் திரு. ஆனந்த் அவர்களின் சேவை ஏழை எளியவர்களுக்கு கிடைத்த பொன்னான வாய்ப்பு . குருஜி நீண்ட காலம் நலமுடன் வாழ வாழ்த்துக்கள் 🙏
என் தாத்தாவுக்கு நன்றி அந்த மனிதன் கட்டிய வீட்டில் நான் நிம்மதியாக இருக்கேன்.
எங்க சொந்த வீடு கட்ட licயில் வாங்கிய கடனை 2 வருடங்கள் முன்னதாக முடித்தோம் (10% extra கட்டி)
யாரும் எங்களுக்கு சொல்லல எங்களுக்கு கடன் இருப்பது பிடிக்காது சீக்கிரம் முடிக்கணும் என்று நினைப்போம் ( நான் & எங்க அப்பா அம்மா மூவரும் ஒரே எண்ணத்தில் செயல்பட்டோம்)
Lic கடன் வட்டி கம்மி so அதை கடைசியாக முடித்தோம் முதலில் வெளியே வாங்கிய (அதிக வட்டிக்கு) கடனை ஒன்றன் பின் ஒன்றாக முடித்தோம்)
Sir சொல்வது 100% உண்மை உண்மை உண்மை 👍👍👍
முதலில் வட்டி அதிகமாக உள்ள கடனை முடிக்க வேண்டும்
& ஒரு குறிப்பிட்ட அளவு (மாதம்) வட்டி விகிதம் கட்டியே ஆக வேண்டும் என்ற கடனை வாங்கவே கூடாது because முன்பாக முடிக்க நினைத்தாலும் bank தான் லாபம்
மக்களுக்கு இது உண்மையான டிப்ஸ். இதை உடனடியாக நடவடிக்கை எடுத்து விட்டா நன்மை🎉கிடைக்கும்
ஒரு பக்கம் பேங்காரன் சாபம் மருபக்கம் பில்டர்ஸ் இதைதாண்டி மக்களுக்காக சொல்றா றுனா ...நன்றி சார்🙏
பில்டர்ஸ் அப்படின்னு தப்பா நினைக்காதீங்க சார் பில்டர்ஸ் எல்லாம் ஒண்ணுமே இல்ல நானும் ஒரு பில்டர்தான் கடந்த வருடம் 5 பில்டிங் கட்டி முடித்திருக்கின்றோம் ஒன்றும் பெரிதாய் சொல்லிக்கிற அளவுக்கு இல்லை இஎம்ஐ கடனில் தான் உள்ளோம்
சாமானியர்களுக்கு அரிய வழிமுறைகளை எளிமையாக விளக்கும் நல்ல உள்ளம் கொண்ட தங்களுக்கு உள்ளம் நிறைந்த நன்றி!!
♥️🥰தீவிர கேஷவ் அண்ணா பக்தர்கள் சார்பாக இந்த காணொளி 1M அடிக்க வாழ்த்துகிறோம்🥰♥️..
முத்தூட் ஹோம் பைனான்ஸ் உதாரணம்... யாரும் முத்தூட் போகவனேடாம்
Ethukkaka muttoot poka venam sollunga
@Hii-o3b போனால் மீளவே முடியாது..சொந்த அனுபவம்..உண்டு
28lak yadutha 88 lak thiruppi kattanum 15 years kku monthly 48 thousand
டவுசர் கூட மிஞ்சாது
Golden ideas from Anand sir,
1. Don't buy home, stay in rent
2. Build your wealth at physical gold in early career
3. Invest in nifty50 index and stay invested.
4. Don't waste money on luxury products.
5. Acquire talent every day by reading articles and books.
You are such a well wisher of Tamil middle class community. Hat's off.
I'll pray for your health for long life.
I accept this as a selfish thought. Because then only I can acquire you idea and talent from day by day ❣️👌🙏
🎉
❤
Vidu illamal viddu kadan pantri video paaka vanthavargal sarbaga video vetri pera valthugal🎉
1 M subscribers தொட கேசவ் ரசிகர்கள் சார்பாக வாழ்த்துக்கள் ஆனந்த் sir
Keshava 👍
❤❤
❤
1 yr aakum
Keshavan Army🔥
This awareness is good. i would recommend the team to demo in excel by adding 10percent and 1 or 2 Extra EMI So that the number of years getting reduced, so that the viewers can experience that by seeing and they will never forget.
Search online for amortization calculator or schedule
Fincalc youtube channel has these calculations boss
Search for amortization calculator.
100% right sir, I took 33 lac loan on 2019 and based on the same plan now I able to close the loan in 40 months. ❤ but etha eppa erukura generation follow pannurathu rombha kastam . Because en kooda veedu vangina enoda friend epaiyum emi Katuran and new car vangi athoda emi yum Katuran. But naan ennun enoda old car than vachi otturen and closed the home loan and started the investment plan. Sir. ❤ last ah soningale sir antha point ah than naan Panna paron for my 2nd house. 😊
What about pre closer and part payment charges?
Konjam theliva sollunga bro plzzzz Nangalum home loan vangirkom 30 Lac monthly evlo kattuna nallathunu sollunga plzzz🙏🏻
Keshav bro, please request Anand sir to write a book or video on Child finance education. It will be helpful to get a financially educated and disciplined generation.
மிக மிகத் தெளிவான விளக்கம் நன்றி ஐயா❤❤❤❤❤❤❤
I took loan in 2015. After first 2 years, I realized that I am trapped. Then I prepared an excel to calculate EMI. With that I calculated and planned my EMI properly and closed my loan in 2020 December. Whatever Mr. Anand sir said is correct. I followed it 4 yrs back and it worked well.
Sir, how much loan you took and how much was the EMI ? Could you please elaborate it ?
@vinu how much loan you took and how much emi paid and how you closed the loan ,, pls share so that we will plan to do the same
Epudraaaaaa
how to calculate emi in excel solunga knj
@@arunyou123 24 lak loan 25k emi
Anand Sir - I wonder how you could understand the pain of middle class despite born rich and being rich. It shows your value system. Your selfless act will keep you healthy and active. My way of living is constantly being refined with your experienced inputs from time to time. Always grateful to you, your brother and your MP team!!!
This is called as empathy
Without consultation, how many would give suggestions. That too genuine suggestions. Here is the man. Take a bow sir. Just for the betterment of society you spend time. It's a great service to the society. I am lucky I found you and started to follow. I escaped from home loan only because of your suggestion. Now I am realising what it would been struggling with if I have not found you.
Every suggestions you give are golden words.
Long live sir.
Thank you
His channel grows and he get money by views more than consultation
@@vijayaprabu6669 so? What your trying to convey?
Impractical. Nee evlo micham pannalum, inflation oda meetup panna mudyadhu. Inflation will also get compounded bro. Remember that.
I closed my 25 years of home loan in 5 years by using the same method what was explained by Anand Sir :-)
How much u got loan
I also followed the same method i have borrowed 23 laks 50 k for 20 yrs... I have completed my loan within 6 yrs...
Great feat
Emi la sethu kattinaa ok vaa sir
@@selvichandhru3147 no, emi no need to change. Do prepayment regularly
My dad and mom first savings after 30 yrs built home it's true fact no loan they are all genius hats off to my parents
நீங்கள் குடுக் கும் அட்வைஸ் மிகவும் பயனுள்ள தகவல் சார்,,, நன்றிகள் kesav bro gova poringa enjoy pandinga👍💪
Ayya you should live 100 years .. amazing human being
மிகவும் உண்மை. லோன் வாங்கி வீடே கட்டக்கூடாது. கடந்த பத்து வருடங்களாக என் உழைப்பே போய்கொண்டிருக்கிறது. கடைசியாக வீட்டை வித்துடலாமா என்ற எண்ணமே வந்து கொண்டுதான் வந்துட்டே இருக்கு. கொஞ்சம் தாமதித்திருந்தேன்னா. இந்நேரம் கடனில்லாமல் வீடே கட்டி முடித்திருப்பேன்.
Appreciate your great intention sir,
தங்களின் பணி சிறக்க வாழ்த்துக்கள் 🎉🎉🎉
உங்கள் அறிவுரைக்கு நன்றி என்ற ஒருவார்த்தை போதாது 👏🙏👍👌🏾.
Always pay more than the EMI amount in advance to get the burden reduced
உங்கள் பதிவுகள் அனைத்தும் தொடர்ந்து பார்த்துக் கொண்டு இருக்கேன். அருமை. பங்குகள் வாங்க ஆரம்பித்துவிட்டேன்.உங்கள் ஆலோசனைப்படி
Very true. I followed the same 5yrs ago. Instead of 40k I paid 1lac per month.
Did it resolved?
@@jaisuriya8055 yes.. I fix the loan I 2yrs time
@@geetakuppusamyKonjam theliva sollunga sis plzzzz Nangalum 30L loan vangirkom monthly evlo pay panrathu nallathunu sollunga sis plzzz🙏🏻🙏🏻
உங்களால் பாமரனும் பயனடைய வேண்டும் தெரியாத அனைவரும் இந்த விஷயம் தெரிய வேண்டும் ஆனால் எல்லார் கையிலும் செல்போன் உள்ளது பார்ப்பவர்கள் அனைவரும் திருந்த வேண்டும் நன்றி மிக்க நன்றி உங்களால் நாங்களும் பயன் அடைகிறோம் உங்களிடம் வேலை செய்பவரும் பயனடைகிறார்கள் யார் என்ன சொன்னாலும் உங்களால் முடிந்த விஷயங்களை எல்லோருக்கும் தெரியப்படுத்தவும் நன்றி
Really a wonderful Explanation sir. Asaiyai thallivachittale 90% financial problem sovle aaidum.. Congratulations Anand appa and Kesav Thambi.
சார் இன்னிக்கு டைம்ஸ்ல இந்த நியூஸ் வந்துருக்கு 9% பத்து மாசத்துல ஏத்திருக்காங்க....ஆனந்த் சார் 👏👏👏 Economics Prophet 💥
Just a suggestion .when anandh sir says these types of calculation, team can include at last with a calculation video with a amount taking as 1lakh as an example.
3 years ah follow panren ungala...my top investment your favourite ITC ❤.. last point better one
Anand sir and keshav combo always top notch...❤
I followed ur points... I bought 5 savaran in one year.. thank you sir
Suggestion:
1. FIRST Don't go for any other loans apart from home loan
2. Pay off loan as much as possible
3. Change company for higher salary to pay off loan
4. Don't do unnecessary expenses
Both should earn to avoid this much head ache on one person
I never had any loan , EMI even credit card till my retirement. After retirement built a independent house with liquid cash. Peaceful life
Sir இதுக்கு நல்ல வழி, முன்னமே emi கம்மியான வருசத்துக்கு எடுங்க... 20 வருசத்துக்கு பதிலாக 10 வருசத்துக்கு எடுங்க.. அதுக்கு அப்புறம் excess amount வந்தா கட்டுங்க.
He runs this youtube channel just to give his valuable information and the money received is given to youngsters who works with him.. apart from salary. This is a noble deed with a purpose
நன்றி அருமையான அறிவார்ந்த பேச்சு கடன்கள் வாங்க வேண்டும்.
Can you please explain about kanthu vati ( which should be paid within 100 days) and how the people are loosing their money and who is gaining money. It will help lot of middle class people and businesses….🙏🙏🙏
அருமையான ஆலோசனை இதை நாம் கடைப்பிடிக்க❤😂❤
எதற்காக பிறந்தோம் ஏன் இறந்தோம் என்று தெரியாமல் வாழும் பிராய்லர் கோழிகள் சார்பாக வீடியோ வெற்றி பெற வாழ்த்துக்கள் 🐔🐔🐔
😂😂😂😂😂
😂😂😂
Kari Kada vachirukingala Anna
@@3ree6ixty19 கறி நிறைய சாப்பிட்டு இருக்கிறேன் அதனால் சட்டென்று வந்தது இந்த சிந்தனை
😂😂😂
Nenga solrathu 💯 correct sir home loan la veedu vanga kudathu veedu katta kudathu apdi loan vanguna nama neriya santhosatha elaka vendithu iruku...
Ipove rent for 2bhk nalla area la 15k to 30k podhu. Inum 6 7 years la rent eh 50k thandirum. Atleast vidu vanguna own house nu oru peace irukume . So home loan edukulam but extra pay panni mudichirnum
If you can pay the same emi for like 15yrs then purchase the home and take loan
6:40 bonus 1.5L and tax returns 1.5L so 3L we can get or atleast 2.5L we can get (bonus +tax returns) so again we can save more.,we buy bulk gold purchase during April, May while tax returns and apo gold chit end agura mari plan panina we can invest more on gold, once in a year gold purchase panrathu regular aguthu and savings um atigam agum, we are following ✌️
Thank you Anand sir and Kesav for this video
If I came to know 10 year ago I could have saved lot of money 🙄
Ur 100%correct sir no school or college will teach us
Continue the good work
@AnnaHovart
Thank you
Great Human being.... Knowledge and wisdom flows from his mouth.. He must be given the status of financial advisor to Indian Government...
Those who succeed in share business avoid revealing all secrets. THAT way he is great
Thank u sir வாழ்க வளமுடன் வளர்க நலமுடன்
சார் நான் வலதுசாரி நீங்களும் வலதுசாரி.ஆனா நான் ஏழை வலதுசாரி.நீங்கள் பணக்கார வலதுசாரி.❤❤
Buying house is NO sin. You must be ready to sacrifice certain "postponement expense "
Fixed interest la vaangalam but repo rate la vaangurathu ipo risk
தம்பி கேசவா நீ கோவா வேண்டாம் சென்னை vgp பக்கத்தில் உள்ள கோவளம் போய்ட்டு வா போதும் ❤
Interest rate in SBI Bank is 9.4 % for term loan and 9.8% for max gain, bangalore. 2 days ego we went to bank to increase our EMI and shift from max gain to term loan. You are right sir we should not take home loan.
Couple of my friends went from term to MaxGain to make use of its benefits. Surprise to see the reverse approach. I had similar to MaxGain load from HSBC and was able to close it in 7 years (47Lak)
People who are advising not to buy house are the one who have their own house.
1.Nowadays in places in Bangalore rent is around 35k for 2 bhk. Emi would be 40k plus down payment. In 5 years rent might increase to 45 to 50k. But emi will remain same.
2.Home loan is only 8.5 percent. If you invest the excess amount in good mutual funds you might get around 10 percent
3. Peace of mind is a good thing if you are in your own house. House hunting every time is a big headache and then add the relocation costs
4. Kassu sethu vachi 5 years kalichu vaangum bothu, property value will increase. So again you will go for loan. Also, it is good to go for loan since bank do the legal check.
This is a really very important video.
sir, what you are advising you is absolutely true. I have avaialed a home loan 2010 for rs20 lakhs. like you advised i have pre paid and closed the home loan in 5 years. I appreciat your knowledge and also sharing with others.
Comment la iruntha inspire aai, athuku advice kuduthathuku nandri,
Best thing is, all private banks doesn't accept 10% of annual emi,for that you mentioned it was 3months of emi for repayment,
Many of RUclips channel addressing this content and also chart it for understanding, but all missed this one point, you can't pay repayment by your own plan,
while signing in document they won't tell you until asked in bank, i asked it in hdfc and also mentioned about one person somewhere in TN he was ready full repayment , but bank won't accept it, they said full repayment they won't accept, but they accept above 3month of emi.
So Heart❤full Thank you sir...for mentioning 3month emi - point
🙏🙏🙏🙏
In the housing finance, HDFC was giving proper service for payment of EMI and proper advice for advance EMI payment etc.
HDFC or anyother bank also none of them informed in a msg also rate of interest came down....when v go to repay they vl tel us to put the remaining amount in FD
கோவா சென்று வரும் போது அய்யா அவர்களுக்கு பரிசு வாங்கி வாருங்கள் 🥰🥰
You are a legend sir..... helping us by clear explanations ❤🔥
Sir andha BMW car vanguradhuku oru super idea kuduthinga stock la invest pani ipdi vangunga nu adhe mari land or veedu vanga oru video podunga pls
Veedu is a word
Oodu is an emotion ❤
Anand sir the best way of unifying family
நன்றி சார்🙏👍
100℅ True. What he's saying..!!
Thanks Sir
sir , kindly inform about marriage trap like house trap. :-)
I'll do it today itself EMI+20% repay . Thank u fr people financial life.
30 years before a good salary was 4k per month. House/flat of 1000 sqft in prime areas used to cost 60k-1.2Lakh. EMI would be Rs. 700-1000 per month. Assuming the term agreed was 30 years and due to adverse interest rate, term increased to 50 years. Will an emi of Rs. 1000 per month even matter in 2023. And with current salary the whole loan can be paid off in one month salary itself. There is no need to live frugal and pay off the loan. Salary is always increasing and emi is fixed. Only increase monthly payment when you have too much money savings account. Otherwise the excess money is better to be invested in index funds as over a period of 10 years it will always give better returns than paying off the loan. Living frugal and not enjoying life is not worth it.
Absolutely Correct ..After 30 years the rent would be equal/greater than emi amount we started to pay today ..
@@saravanankumar1450 Our population is increasing and more people are going from poor to middle class. Apart from natural disasters, house prices will be multi fold in next 30 years. Emi though will be constant
இன்று என் நண்பரின் போனில் உங்களது சேனலை சப்ஸ்கிரைப் செய்தேன்
Thank you sir. I have followed the same for my home loan. In addition another option is in state bank one home loan scheme is available called Maxiclaim. In this scheme we can park the additional money in the home loan account whenever possible. For parked amount no interest and adjust in the principle. In this advantage is in case of emergency expenses we can take parked amount. Anand sir please brief plus and minus of this scheme.
This is called overdraft facility
This is one of the fantastic loan option and many banks wont advice it. They cant make big money from this loan. I took a similar SmartHomeLoan from HSBC and closed my loan amount in 7 years. Your parked amount would earn the same interest. Some of the points AS mentioned in this video already available in this loan.
Sir romba correct Naga same method
11 lak loan 1yrs completed.
Naga konjam method follow panaoam.1. PF money edthu katinaom. 2. 3yrs ku munadi agriculture gold loan low interest but oru person ku 1lakh kuthuthanga enoda dad,mom,me 3lakhs kedachuthu athavachum katioam
Super❤ clear explanation sir👍🏻✅
மிக்க நன்றி சார் ,புத்தியில் உரைத்தது...
Great work... ❤
Friends, try searching pre-payment calculator. Then Anand sir calculation can be understoood
Most useful video😀
Thaliva ni Veera leavel .....❤❤❤❤❤❤❤
If I bring my father in law and mother in-law to my home for the purpose of reducing my emi headache, we i may get chest pain. How is it.
You can get your parents to your home instead?
😂
Modern family 😅
Avupavi emi ya
@@funonlynomania en solla matta ? Una mari aamblaingluku entha problem restrictions illa. Apo pesuva
Not taking money from the channel personally is Great...
veedu varai uravu
veedhi varai manaivi
kaadu varai pillai
kadaisi varai yaaro...🤐
இந்த வீடியோ எனக்கும் மிகவும் பயனுள்ளதாக இருந்தது
Hi Khesav , please bring this topic for discussion with Anand sir . Since we are entering new financial year , it s important to plan our tax exemption . Is there any change in price band in recent budget ? Currently 45 lakhs price band in home loan exists which qualifies for home buyers to show under tax exemption section 24b . But we can't buy new house for 45 lakhs in cities . Any good news for middle class persons who are willing to buy home via housing loan ? How can persons in 30 per tax bracket can save tax ?
🎉🎉Money Pechu team members should be fortunate enough to have a Father figure in Anand. And what he says about the loan, leave alone housing loan, ANY loan is 100% correct. As a retired banker, I agree with him. You keep paying atleast 10% more than your EMI. This will help you even if the interest rate increased. And what Anand says, NO Ban😢k will tell you.❤❤
You will end up closing the loan faster in 12years instead of 20years........ but the bank will take all the interest of 20years in first 4-5yrs as part of EMI, its a very good idea for new loaners
என் வாழ்வில் கடன் என்பதையே பார்க்கவில்லை
Eppadi
Kesav oda portfolio video la podunga.
Ipo avaru stock vanguraruna evlo quantity apdey aniku oru video or shorts ha podunga .. ithu romba helpful ha irukum team
கேசவன் கோவா போவார என்று காத்திருப்போர் சார்பாக வீடியோ வெற்றி பெற வாழ்த்துக்கள்....😂
Thanks a lot for your valuable guidelines sir
பயனுள்ள விழிப்புணர்வு காணொளி, நன்றி ஆனந்த சார் மற்றும் குழு
Hii sir.
Index fund is useful for low brainer as well as great growth in terms of long term.
There is several direct funds offer index funds. How to select good fund house, what is the procedure for registration and how to invest money on it ?
Please make a clear vdo sir. There is lot of vdo in RUclips but no one can't convey whole thing.
Please make a vdo sir. It will be useful for us.
@@ashwinravikumar3789
Ok sir. Thanks.
Does groww, zerodha provide direct fund?
@@vickysmart75 yes they do.But I prefer buying directly from fund house websites.
I agree with @sivag2032 . Instead of using unsecure apps I would directly go to the fund house website and invest directly in "direct" option.
அருமை அய்யா.
மக்களுக்காக யோசிக்கும் உங்களுக்கு வாழ்த்துக்கள் 👍🏼👌
@Kehsav, on behalf of me ask Anand sir one question . As per of Anand sir advice, if everyone started saving and investing in stocks by avoiding unwanted expenses, then how compannies will grow for example if avoid excess house buying construction & construction companies profit will come down then demand for that.stock will fall, similarly for automobiles & bank profit will fall down due to lesser loans like that. We can quote many. In this condition, how economy will behave & stock markets will move?
He is strongly insisting middle-class ppl change their life to the upper middle class so obviously the change won't happen immediately (actual fact), but purchasing power of ppl already have enough purchasing power, so they are definitely not going to stop, so things are easy. And, try to generate more than one income, don't rely on a single income.
Not everyone will follow this
Hi sir,
Instead of going with home loan with floating interest can we go for personal loan with fixed interest rate so that we can avoid increasing emi and month in future?
Never go for personal loan as interest rate will be very high
Most banks are considering to reduce or avoid the fixed IR as so to increase profits that they lost with ADANI or other reasons
Home loan u can show atleast 2L exemption for tax filing ..personal loan with high rate of interest y to opt
Na share pannitten ,pls subscribe money pechu for all nanba,nanbies❤❤❤❤