Life does not go according to calculators, practically it is always better to take loan with maximum tenure offered by the bank. Whenever there is excess money we can partly pay the home loan principal and reduce the tenure according to our wish. Alternatively we can reduce the emi and invest the excess money in MF which can fetch better return than home loan interest rate.
Hello, we also have conditions on prepayments from bank. Example: Customer is not allowed to make prepayment for 1st year... if you have any other such conditions on fluctuating interest rate and prepayments, prepare a video explaining those T&C.
Ap jo bol rhe ho 20 saal k liye lo to usse dircetly apka loan amount eligibility kam ho jayega ....so best suggestion take it for max tenure but pay the extra premium to payoff it early
Naic information Aap ka har chij Bhari ki samjate ho kafi achcha lagta hai shayad koyi RUclips channel per koi aisi video banata hogs aapki Jaisi sar thank u veri Mach
Apka concept and logic acha hai,but plz btaiye ki ye part payment karein kaise, kyuki EMI to auto debit hoti hai,jitna amount set hota hai, ab hame part payment krni ho to kaise kare, suppose 1000 ki emi hai to account se 1000 hi debit honge, jo extra hum dena chahte hai wo kaise karein.?
Aapko ek loan account number assigned hoga. Jaise aap kisi bhi aur account me paise transfer krte hain same way se iss loan account me using it's number kr skte hain
Kya Adhar Housing Finance me Additional ya Part payment kr sakte h, Like 12+1 or 12+2. Ya fir year basis 2-3 laks payment krne pe Principal me benefit milega..??
प्रत्येक ईएमआई पर एक्स्ट्रा पेमेंट करने पर भी इंटरेस्ट कम होता है क्या उदाहरण के लिए मैं15000 किस्त होने पर मैं 20000 पेड़ करता हूं तो क्या इंटरेस्ट कम होगा
Nice information, i will definatly going to follow this concept (2nd once part payment option) and i have one doubt whether all the banks allowing this part payment option? or we need to check with back before borrowing!
Nice information Sir .... 12 किस्त के बाद हम जो साल के अंत में एक extra emi देगें तो क्या हम यही pattern every six month में भी कर सकते हैं या फिर ये साल के अंत वाला ही rule है ।
Floating interest rate hai to prepayment ke charges nahi lagte.. jitni marji utni prepayment karo.. lekin fixed interest rates hai to phir prepayment pe charges lagte hai
Sir itna acche se aap samjha te ho ke mere kitne kam aapke vedio dekh k asan ho jate he ..good job sir👍
Life does not go according to calculators, practically it is always better to take loan with maximum tenure offered by the bank. Whenever there is excess money we can partly pay the home loan principal and reduce the tenure according to our wish. Alternatively we can reduce the emi and invest the excess money in MF which can fetch better return than home loan interest rate.
Yes
Real business man brother! true. This way we can finish off our loan in no time.
U end up with giving lot of interest
Bhai lagta hai yeh bank ka agent haib😂😂
Bang on spot.
Very correctly explained.
I, have personally closed my home loan of 20 years duration in 11.5 years.
Using 12+1 or 2
Can you send me how
thank you sir for using simple language without using tough terms and best video
Most welcome
Sir sbi vs lic term insurance ka bhi video bano
Seedhi baath, No bakwas. Kudos.
Bahut achha samjha dete hain sir❤,सर यूको बैंक ,यूनियन बैंक और LIC me kiska interest rate sabse km hai home loan ke liye plz bataye
sir i wanna know one thing.. lets say humne agr part payment kri to hume fayda kya hpra h? loan humara jaldi khtm hoga ya humari emi kam hongi?
Hello, we also have conditions on prepayments from bank. Example: Customer is not allowed to make prepayment for 1st year... if you have any other such conditions on fluctuating interest rate and prepayments, prepare a video explaining those T&C.
Ap jo bol rhe ho 20 saal k liye lo to usse dircetly apka loan amount eligibility kam ho jayega ....so best suggestion take it for max tenure but pay the extra premium to payoff it early
yes 100% I agree
Interest is not taken due to this reason. The concept of time value of money is important to understand. Money depreciation happen as well over time.
This is the best information on home loan.
Sir Apne बहुत अच्छे से समझाया धन्यवाद
Best video to understand, pre repayment of loan
best info bro..... good points covered. good suggesitons given to loose less money interest
Gajab ki Jankari shear ki sir aapne...🎉
Extra kist Dene ke bare me..
Sir, if we pay extra 2 emi per year then EMI will be same or it will reduce
Good explanation about loan repayment
Naic information
Aap ka har chij Bhari ki samjate ho kafi achcha lagta hai shayad koyi RUclips channel per koi aisi video banata hogs aapki Jaisi sar thank u veri Mach
Best video but sir kya ye concept 12+1,12+2 personal loan per bhi apply hota hai
Personal loan ka tenure kam hota hai..isliye usme itna farak nhi pdta
Thank u so much sir for this valuable information. Bank ye kabhi nahi batati hai customer ko.
Can you also explain how banks come at the EMI amount? And how is sanctioned amount EMI is different from disbursement amount EMI?
Nice👍 video
Bank vale to batte nhi hai ye sab baat
Great video! ❤
Sir bahut asha lga apka video dekh kar
This is rlly best information on home loan
Ys tht is smart plain to fight against loan trap heads of sir excellent explai. Thank you sor❤
Apka concept and logic acha hai,but plz btaiye ki ye part payment karein kaise, kyuki EMI to auto debit hoti hai,jitna amount set hota hai, ab hame part payment krni ho to kaise kare, suppose 1000 ki emi hai to account se 1000 hi debit honge, jo extra hum dena chahte hai wo kaise karein.?
Aapko ek loan account number assigned hoga. Jaise aap kisi bhi aur account me paise transfer krte hain same way se iss loan account me using it's number kr skte hain
Kya Adhar Housing Finance me Additional ya Part payment kr sakte h, Like 12+1 or 12+2.
Ya fir year basis 2-3 laks payment krne pe Principal me benefit milega..??
REally great explained...Thanx
Best video for home loan information. Does bank charge separately interest as well every month on home loan amount along with emi instalments?
Ok aapne bahuth acche samjaya. Tq
प्रत्येक ईएमआई पर एक्स्ट्रा पेमेंट करने पर भी इंटरेस्ट कम होता है क्या उदाहरण के लिए मैं15000 किस्त होने पर मैं 20000 पेड़ करता हूं तो क्या इंटरेस्ट कम होगा
Ha principal amount se 5000 kam ho jayega bache huye principal par next EMI interest lagega
❎ sadhdat lakh
✅ Satasat lakh ❤😂
Thanks sir .kafi jankari mile.
Gud information. Eh gal hame nhi pta thi
Nice explanation bro will follow 12+2 from this year
This is the best video on home loan
Nice information, i will definatly going to follow this concept (2nd once part payment option) and i have one doubt whether all the banks allowing this part payment option? or we need to check with back before borrowing!
It allows
Thanku sir ji ...
Aap bahut achhi information dete ho ..koi doubt nhi chhodtey thanks sir ❤❤
Yes, in fact you explained the secrecy of bank EMI. Good techniques to save money.
एक्स्ट्रा emi पे करणे से पहले बँक को बताना पडता है या direct extra emi pay करणे का
Koi jarurat nhi he batane ki .
Simple jis di emi ha due od din kitna loan pending ha os pe int calculate hota ha . Aur jo bhi extra payment ha wo sida principal ko minus karti ha
Good information.
Keep it up.
Please improve your handwriting.
Very very informative & your presentation is best
Nice information
Sir .... 12 किस्त के बाद हम जो साल के अंत में एक extra emi देगें तो क्या हम यही pattern every six month में भी कर सकते हैं या फिर ये साल के अंत वाला ही rule है ।
Apka mann hai to har mahine 2 emi dedo…jo bhi aap extra paisa doge emi se upar…wo paisa sidha principal me se kam hota hai
@@Ankit-lw5oo okay sir
@@Ankit-lw5oo okay Sir
Thanks for the information. But what is the ill effect agar zaida baar Kia to ..like 1-2 times extra payment per month apart from emi @@Ankit-lw5oo
@@ShivrajVashishtha-pr4lv❤❤
Sir suppose 30 saal ke liye loan liya .. 56 emi bani but uss sth m 15k per month or dala rhu yeah sahi hai .. yeah 15year loan sahi . Please guide me
ek year me kitni bar extra paise bhar sakte he....or kitna
This is best information on home loan😊
Part payment har 6 months me kar sakte hai kya?
Ya bas 1 bar karte hai December me?
Prasnal loan ke sath v 12 +2 krne se principal Kam hoga kya sir
extra payment pe koi penalty ya additional charge lagta hai?
Very good information of home loan
Bank m jo extra emi di jayegi to kya bank m bolna padta h ki ye extra emi mere principal ammout m jama karna ......
Nhi automatically extra emi amount principal me se kam hoti hai
Aur kuch charges lagte h kya??
nhi
Floating interest rate hai to prepayment ke charges nahi lagte.. jitni marji utni prepayment karo.. lekin fixed interest rates hai to phir prepayment pe charges lagte hai
@@AshishKale-y5w okay.. Thanks
Sir part payment sall ke bich me kar sakate hai kya uska amount principle amount me add hoga kya
Very well explained... Thanks for this valuable information
Ye tarika , personal loan me kam karenge kya ❤❤ ?? Please reply who knows ❤
Very nice sirji
Very nicely explained sir how the loan concept work who was not knowing the concept will get to know very easily ❤❤
Informative about Home loan
Mast samjha ya bhai ji🎉🎉🎉
Best information 👍
Kon se bank ka intrest rate km h home loan k liye or kya chola mandal jaisi private company shi h
Thanks, this is the best information for home loan
Extra payment ke upar se 1 alag se video banaye, ki wah kis tarah se kam kart hai aur
VERY HELP FULL VIDEO FOR MIDDLE CLASS
Is part payment applicable in personal loan and education loan also...plzz guide this 🙏
This is the best video on Home Loan Repayment
One of best informative video for home lone.
Nice information. 👍
This is the best information of home loan
Thanks for you information...it's really helpful.
Sir it's so informating vedio sir you clear my lot's of doubt Thank u so much sir
Very informative for me…THANKS
In both the cases interest amount is same , then why not to take the maximum tenure.
Execellent video and valuable learning video....for home loan Customer
Sir interest fix nhi hota increase bhi ho sakta hai future mein
Nicely cleared concept
Sir part payment hum koi se bhi month m kr skte h ?
Thank you its was really helpful
Superb informative video on home loan early repayment
This is the best information home lone
Most important this video for me❤
12 + 2 concept tho teek hai.... Par kya hum kisi b mahine ko part payment kar sakte hain
Sir tenure options purchase ya fir emi option par
Good suggestions bro
Thank you for a great information
Kotak super account ke upper video banao Sirji... i think...naya feature aaya hai..youtube pr khi bhi iske upper video nhi hai
Very good information sir
Very very informative videos ❤❤
Bohat accha btaya aapne
sir bick ka flat lgaya hai.. uski EMI 3951 monthly .. h 2 saal k liye to kya isme main extra kist daal k fayda ho jaayega... bta dijiye sir..
best information sirji
Well explained.
Bahut acha information hai
This is the best information about home loan
Best information sir this is very helpful information to every one
WELL >>>>>>>>>>>>>> APPRECIATE YOUR VIDEO TOPIC
this is best video for Home Loan 👌
Best information❤
Nice video ❤