Pahli baar maine aisi bank or property se related itni badi video dekhi. Itna easily smjh aaya. Bahut achha lga. Ye video mere future me loan lene pr kam aayegi. Thx for the knowledgeable video ❤🎉
Hello, its better if you create another video about the ROI of banks. Because, as per banks, we have 2 slabs. 1. If the loan amount is more than 50L, the ROI will be different and if the loan amount is less than 50L, the ROI is more.. it will be more than 9.4%. So prepare 1 video to differentiate this.
Sir mene home loan liya hai indian Bank se 15 lakh ka 20 years tenure interest rate 6.75% tha property value 19 lakh ki thi 4 lakh down payment Kiya hai.fluctuation interest rate hai mera RBI ke repo rate ki vajah se current interest rate 9.35% hai.pmjay ki subsidy mil gayi 2.67 lakh ki aur 2 years me sirf interest ki vajah se 48,000 thousand capital me credit hua hai sirf 2,25,000 sirf interest kha Gaya bank mera.
I stopped the video and commented here, I landed on this video after a search and you are providing in-depth detailed information. Thankyou a million for this...❤
This is a gem of of videos available regarding process of home loans. Really amazing how simply and professionally and practically He made me understand the whole thing. Keep it up bro 🎉
Thank you for explaining in simple terms and with detail knowledge...please make a similar video on "LOAN Transfer" start to end completr process. Keep up the good work.
दोस्त बहुत ही अच्छा समझाया आपने। प्लीज आप ब्लैक और व्हाइट के संबंध में भी ज्ञान दीजिए क्योंकि आपने ही कहा की 99% डील्स तो ऐसे ही हो पाती हैं। हम भी तो उसी में आते हैं।
I support you, this is most detailed video on home loan on entire RUclips community. I loved the bank frauds on sanction letter tio the most, this is like saving a man whose head is in tigers mouth. .seriously very good tio bro, God Bless You
I liked your pen paper based presentation. No bg music, no ir-relevant graphics....Appreciate the good work. However, i have some questions 1) Who pays for the bank lawyer? 2) Who pays for the Valuator? 3) Can bank deny the loan once sanction letter is issued? (based on your example of fake call from bank) 4) Which banks offer free pre-payment just like SBI? Thanks so much for the sharing this.
Overdraft facility pe video bnao Konse bank se lena chahiye, interest rate and processing fee, lena bhi chahiye ya fir iska koi alternative best way bhi h.
@@XYAxisEducation I think Overdraft is much better than personal loan, we can use this credit line whenever we want and interest also pay on how much time you hold that, So that's why i think it's much better and we can consider it.
Thanks for the information. Just wanted to ask, Can we get home loan interest rates if we want to buy only land? I asked the local SBI Branch they agreed to give loan but on condition that If I don't start building a house on that land then I have to repay the loan in 5 years . Is that the case?
very very knowledgeable video for me Thank you Sir hum year Me Jitni chahi extra Emi pay kar sakte hai kya jaise One month me one emi hoti hai Agar Hum two emi pay kar sakte hai kya month me starting starting me plz reaply sir
अच्छी तरह समझाया आपने कि जैसे beginner होता है ना जिसको कर्ज़ की दुनिया का पता नही रहता उसको समझने मे आसानी हो वैसे समझाया आपने। समझाने के लिए शुक्रिया। वरना जो finance related channels होते हैं वो तो इतना सब शायद सामझाते। और हाँ मैने इस video par 1 like भी दिया है। 😁
Bro it's like a panacea for those people who are taking home loan.👌 Since i am planning to take my first ever loan, i am confused about my Cibil score. As you said, only people with good cibil score can negotiate with bank but i want to know what will be the scenario in my case? Please reply 🙏
himanshu , mera cibil score 6 00me pahucha gaya tha as one credit card ki payment 4 mnths se nh hui thi , so i waited for mnths and baaki credit cards ki payment time pur kari aur anb mera cibil score 750 ke uper chala gay hai so now i will get loan at 8.40 from bank of baroda , otherwise unhone bhi mana kar diya tha aur bola ki aapko 11% me denge . 8.40% sirf ache cibil score waale ko milega.
Sir apne bhut ache se explen kya h muhze home lone lena h Maine abi 2022 ka itr bhera h aur next 6 mont Mai bharna h muhze itr ke bare mai kuch inqary chye thi plzz sir 🙏🏽
Thank you so bro. You explained so well. And i am still waiting SIP mutual funds videos. I have already requested you 5 times each in 3 to 4 videos. Please make ASAP. THANKS
Sir please, आपसे रिक्वेस्ट है कि आप इस बात को एक बार फिर से पूरे विस्तार से बताएं कि बैंक लोन की ईएमआई तो शुरू से लास्ट तक एक समान same same हो होता है तो फिर पहली किस्त चुकाए जानीवाली ईएमआई में इंट्रस्ट ब्याज ज्यादा कैसे हो जाते हैं और कौन कौन से ब्याज जोड़ दिया जाता है कितने ब्याज और जोड़ दिया जाता है ,जिसे चुकाने पर ग्राहक विवश होता है , कृपया इस बात को विस्तार से बताएं , धन्यवाद।
It's a very different question.. What if I don't want to take any loan, and still want to purchase a house after 10 years from now, how much do I need to save every year to afford a house that's has 1 Cr value in 2024. Please do answer my question. Thanks a lot
And second bhai HDFC mai processing fees for salaried person k liye 3540 hai bs and Abhi offer mai wo bhi 50% off hai to 1770 fees ja rhi h last 3 month se and isme valuater ki fees bhi included h and it is lowest in market and Kotak jiski aap baat kr rhe ho ki processing zero h aisa nhi h wo disbursement pr charge krte hain and baaki kuch banks like HDFC upfront hi charge krte hai and HDFC se 3540 hi charges h bs and lowyer k 3500
Last 10 minutes information is very valuable. Please provide details for deposit extra installment bank permission required or it should be in writing in sanction letter.
It was a worth watching video.... Full of knowledge... Mujhhe koi loan nhi Lena bt accha laga dekh ke kaphi knowledge Mila isse
Your explanation is always crisp and clear and definitely you cover all the important things . Thankyou for all the knowledge !!!
सटीक विश्लेषण. बहुत बढिया सर 👌👌
This is the best channel for the finance knowledge
I'm watching videos from 2020 from starting when you have only 1 lakh subscriber
Best video Sab kuch clear bataya aap ne 🙏
Pahli baar maine aisi bank or property se related itni badi video dekhi. Itna easily smjh aaya. Bahut achha lga.
Ye video mere future me loan lene pr kam aayegi. Thx for the knowledgeable video ❤🎉
Hello, its better if you create another video about the ROI of banks. Because, as per banks, we have 2 slabs. 1. If the loan amount is more than 50L, the ROI will be different and if the loan amount is less than 50L, the ROI is more.. it will be more than 9.4%. So prepare 1 video to differentiate this.
3:00 very nice explanation sir
you are doing great job
Sir mene home loan liya hai indian Bank se 15 lakh ka 20 years tenure interest rate 6.75% tha property value 19 lakh ki thi 4 lakh down payment Kiya hai.fluctuation interest rate hai mera RBI ke repo rate ki vajah se current interest rate 9.35% hai.pmjay ki subsidy mil gayi 2.67 lakh ki aur 2 years me sirf interest ki vajah se 48,000 thousand capital me credit hua hai sirf 2,25,000 sirf interest kha Gaya bank mera.
Chill bro aaise hi chalta hai banking initially interest Jada hota hai kuch years ke baad principal Jada jayega
I'm also a Banker but u have better knowledge about me ...This video helped increase my knowledge Thanks a lot❤
I stopped the video and commented here, I landed on this video after a search and you are providing in-depth detailed information. Thankyou a million for this...❤
I am employed in hdfc home loan department and watching this video 100% right 👍👍 thanku sir very knowledgeable topic
This is a gem of of videos available regarding process of home loans. Really amazing how simply and professionally and practically He made me understand the whole thing.
Keep it up bro 🎉
Thank you for explaining in simple terms and with detail knowledge...please make a similar video on "LOAN Transfer" start to end completr process. Keep up the good work.
Good content and coverage… you speak straight a point …. Where Ankur warikoo do a lot of NAUTANKI.
This is the best video about home loans I have seen till now.
Samjhane ka tarika Bahut hi achha laga sir thankyou ❤❤❤❤
Best video on home loan I have ever seen…please make a video on precautions taking before buying home which is still under loan
दोस्त बहुत ही अच्छा समझाया आपने। प्लीज आप ब्लैक और व्हाइट के संबंध में भी ज्ञान दीजिए क्योंकि आपने ही कहा की 99% डील्स तो ऐसे ही हो पाती हैं। हम भी तो उसी में आते हैं।
I support you, this is most detailed video on home loan on entire RUclips community.
I loved the bank frauds on sanction letter tio the most, this is like saving a man whose head is in tigers mouth. .seriously very good tio bro, God Bless You
This is bast channel for bank related query
This is the best channel for the banking knowledge
I liked your pen paper based presentation. No bg music, no ir-relevant graphics....Appreciate the good work.
However, i have some questions
1) Who pays for the bank lawyer?
2) Who pays for the Valuator?
3) Can bank deny the loan once sanction letter is issued? (based on your example of fake call from bank)
4) Which banks offer free pre-payment just like SBI?
Thanks so much for the sharing this.
सर में सेल्फ एंप्लॉई हूं और मैं भीख मांग कर पैसे कमाता हूं तो मुझे लोन मिलेगा
Overdraft facility pe video bnao
Konse bank se lena chahiye, interest rate and processing fee, lena bhi chahiye ya fir iska koi alternative best way bhi h.
Sure
@@XYAxisEducation thank you 😊
I don't think you should go for overdraft
@@AnilPrajapati-fz5ti why ??
It isn't better to personal loan ?
@@XYAxisEducation I think Overdraft is much better than personal loan, we can use this credit line whenever we want and interest also pay on how much time you hold that, So that's why i think it's much better and we can consider it.
Beautiful explanation 😊😊 specially sanction letter se phele Jo bank dusri schemes chipkati hai... Worthwhile to watch...
Really this video and knowledge is underrated...
Hats off to the person for saying this much patience all the details
Thanks for the information. Just wanted to ask, Can we get home loan interest rates if we want to buy only land? I asked the local SBI Branch they agreed to give loan but on condition that If I don't start building a house on that land then I have to repay the loan in 5 years . Is that the case?
Acca samjhya ap ne Mera help huya bohat thankyou ❤
Best video about home loan related ❤❤❤
Really Very Useful Information...
Excellent video with actual and required information . Thanks Bro :)
This should be a paid video. Very well explained!
Your concepts for Understanding us are too much great 😊
Excellent video. This videos completely resolved many of my doubts.
Finally which bank is best ??
Bahut achhi jankari di aaapne 🤗
Great knowledgeable video of youtube history
does spread remain same or Bank can change' it post disbursement?
very very knowledgeable video for me Thank you Sir hum year Me Jitni chahi extra Emi pay kar sakte hai kya jaise One month me one emi hoti hai Agar Hum two emi pay kar sakte hai kya month me starting starting me plz reaply sir
Clear, simple & deep explanation ❤
Glad you think so!
Gold loan per ek video bannao please sir 😢😢😢@@XYAxisEducation
You have given excellent explanation,
Covered all the relevant points in the easiest possible way❤
This is best! Thanks for being crisp & explained well.
Most underrated video. Thank you so much.
thank u for this comprehensive and nicely explained session on home loans...
Please explain Bank of Baroda Home Loan Advantave scheme. Is it good ?
Very well explained
Helped a lot thanks
अच्छी तरह समझाया आपने कि जैसे beginner होता है ना जिसको कर्ज़ की दुनिया का पता नही रहता उसको समझने मे आसानी हो वैसे समझाया आपने। समझाने के लिए शुक्रिया।
वरना जो finance related channels होते हैं वो तो इतना सब शायद सामझाते। और हाँ मैने इस video par 1 like भी दिया है। 😁
Loan lene ke baad kon sa bank ki internet banking best service provide karta hai , like extra emi pay option & repayment options
Beautifully explained 👏🏻🙏🏻
Very good explanation.
Pl tell the minimum tenure of home loan
Bro it's like a panacea for those people who are taking home loan.👌 Since i am planning to take my first ever loan, i am confused about my Cibil score. As you said, only people with good cibil score can negotiate with bank but i want to know what will be the scenario in my case?
Please reply 🙏
Apke case me Jo bank offer kre..usko accept kr Lena...jyada behas mat krna roi ke liye
@@XYAxisEducation ok. Thanks for the suggestion✌️
himanshu , mera cibil score 6 00me pahucha gaya tha as one credit card ki payment 4 mnths se nh hui thi , so i waited for mnths and baaki credit cards ki payment time pur kari aur anb mera cibil score 750 ke uper chala gay hai so now i will get loan at 8.40 from bank of baroda , otherwise unhone bhi mana kar diya tha aur bola ki aapko 11% me denge . 8.40% sirf ache cibil score waale ko milega.
Sir please GST &GST Return system kaise kaam karta hain uske upar ek video baniye...
Thank you, bro for explaining it in such detail.
the best 35 minutes of my life ❤
Very good information 99% True. I'm property consultant for Jaipur.
❤👍
Which bank is best for cheaper home loan
Very good knowledge about the Loan sector 👍.
Sir apne bhut ache se explen kya h muhze home lone lena h Maine abi 2022 ka itr bhera h aur next 6 mont Mai bharna h muhze itr ke bare mai kuch inqary chye thi plzz sir 🙏🏽
Really nice explanation but I was waiting for self employed part to understand the eligibility for a self employed person to avail home loan
Thank you so bro. You explained so well. And i am still waiting SIP mutual funds videos. I have already requested you 5 times each in 3 to 4 videos. Please make ASAP.
THANKS
What a help ❤! Now I will take my home loan with this confidence 🙏. Thank you is the least word for you.
Sir please, आपसे रिक्वेस्ट है कि आप इस बात को एक बार फिर से पूरे विस्तार से बताएं कि बैंक लोन की ईएमआई तो शुरू से लास्ट तक एक समान same same हो होता है तो फिर पहली किस्त चुकाए जानीवाली ईएमआई में इंट्रस्ट ब्याज ज्यादा कैसे हो जाते हैं और कौन कौन से ब्याज जोड़ दिया जाता है कितने ब्याज और जोड़ दिया जाता है ,जिसे चुकाने पर ग्राहक विवश होता है , कृपया इस बात को विस्तार से बताएं , धन्यवाद।
Sir, Thank You so much ❤
भगवान आपको तरक्की दे!!
Kafi achhe se bataya aapne... Thanks 👍
what a great video! Thanks Bhai for the detailed explanation!
34:37
Home loan closure par bhi video banaiye...
What documents needs to be taken back at the time of closing etc... Process of closing
बहुत अच्छी जानकारी दी आपने बहुत बहुत धन्यवाद
It's a very different question.. What if I don't want to take any loan, and still want to purchase a house after 10 years from now, how much do I need to save every year to afford a house that's has 1 Cr value in 2024.
Please do answer my question.
Thanks a lot
best knowledge bhai sabse badhiya baat mujhe lagi bank se loan lene ki baat fraud nahi hoga saath me 👍👍👍thanks bhai
Very useful.. thank!
Can you tell me about pre EMI benefits n disadvantages?
Sir ur explaining is the best so properly explained in detail of bank’s and things to know a man ❤❤
Bohot acha knowledge Diya bhai apne ❤
Thanks a lot for making this video. Too informative
Best video on RUclips for home loan
बहुत बढ़िया समझाया, आपसे फोन पर कुछ पूछना है कैसे पूछें
thank u for creating such a beautiful and informatic video
Thank you so much for such clarity on home loan. So many doubts cleared today
Something exclusive learnt from channel ❤❤❤
And second bhai HDFC mai processing fees for salaried person k liye 3540 hai bs and Abhi offer mai wo bhi 50% off hai to 1770 fees ja rhi h last 3 month se and isme valuater ki fees bhi included h and it is lowest in market and Kotak jiski aap baat kr rhe ho ki processing zero h aisa nhi h wo disbursement pr charge krte hain and baaki kuch banks like HDFC upfront hi charge krte hai and HDFC se 3540 hi charges h bs and lowyer k 3500
सर अपने बहुत अच्छे तरह से समझाया 😊
Bahut sundr bhai. Bahut badhiya se samjhaya apne
Bahut badiya samjhaya apne
Very nice video sir...... Thanks
Nice information sir thank you for your information 👍
Brother love youuu❤❤❤❤....this video helped me a lot while buying flat
Last 10 minutes information is very valuable. Please provide details for deposit extra installment bank permission required or it should be in writing in sanction letter.
There is no permission required, for SBI you can directly transfer online from your linked account anytime and any amount
Bhai 12+1 payment kaise kaise kare.. can you please explain in detail? Kya ise pehle hi bank ko inform krna pdta he ya fir apne aap se kr sakte he
Very good and detailed video
Relevant video for HL👍👍Appreciation from a banker...
Bht shadaar samjhatey ho aap Bhaiyya 💚💚✅
Superb.. you have resolved all my queries in one go.. thank you a lot.. god bless you
excellent sir , Kindly make the full guidence video on HOME LOAN BALANCE TRANSFER also
Wow..... What an explanation 👏👏
Property valuation kab hota hai after sanction letter ya fir Sara checking process ke bad sanction letter milta hai
Good yaar.. very helpful video, keep up the good work
Very informative and to the point video 🎉
Such a good explanation sir 🎉
Explained nicely but example thoda kamka do 1cr ke jagah 30-40 lakh de dete
sare documents clear karne ke baad check kaise karenge property kiske naam hai?