Home Loan Insurance & Protection Plan का असली सच
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- Опубликовано: 15 апр 2018
- Instead of home loan insurance, it is better to buy Term Insurance Plan. You can compare & buy here - bit.ly/term-life-insurance-co....
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Should you take Home Loan Insurance or Term Insurance Plan? Is it mandatory to take Home Loan Insurance? - Explained in Hindi. Home Loan Protection Plan is not same as Home Insurance or Property Insurance.
Related Videos:
Term Insurance Plan: • Term Insurance Plan - ...
Home loan insurance, home insurance and Term Insurance Plan are provided by all leading banks - SBI, HDFC, ICICI, Axis Bank and LIC. But it is always better to take a Term Plan from LIC.
क्या आपको होम लोन इंश्योरेंस या टर्म इंश्योरेंस प्लान लेना चाहिए? क्या होम लोन इंश्योरेंस लेना अनिवार्य है? होम लोन प्रोटेक्शन प्लान होम इंश्योरेंस या प्रॉपर्टी इंश्योरेंस की तरह नहीं होता।
होम लोन इंश्योरेंस, होम इंश्योरेंस और टर्म इंश्योरेंस प्लान सभी प्रमुख बैंकों - एसबीआई, एचडीएफसी, आईसीआईसीआई, एक्सिस बैंक और एलआईसी द्वारा प्रदान की जाती है। लेकिन एलआईसी से टर्म प्लान लेना हमेशा बेहतर होता है।
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In this video, we have explained:
What is home loan insurance policy?
How does home loan insurance work?
What is home loan protection plan?
How does home loan protection policy work?
What is the maximum tenure for home loan insurance?
How home loan insurance policy covers the home loan?
What is reducing cover home loan insurance plan?
What is fixed cover home loan insurance policy?
How fixed cover plan differs from reducing cover home loan insurance plan?
Is home loan insurance policy mandatory?
Is home insurance and home loan insurance same?
What does home loan protection plan covers?
How home loan insurance is different from term insurance plan?
Which insurance plan is better out of fixed cover home loan insurance, reducing cover home loan insurance and term insurance plan?
What are the similarities between fixed cover home loan insurance, reducing cover home loan insurance and term insurance plan?
How to get tax benefits from home loan protection plan?
What are the differences between home loan insurance plan and term insurance plan?
When is home loan protection plan beneficial?
How is term insurance plan beneficial?
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Hope you liked this video in Hindi on “Home Loan Insurance Protection Plan vs Term Plan”. 
Хобби
Instead of home loan insurance, it is better to buy Term Insurance:
bit.ly/term-life-insurance-compare
Yes Sir, But one thing is more important that, after borrower's death there is No guarantee that Term Insurance will settle claim 100% where as in HLPP you will get 100% claim settlement. Don't you think this is the most important point which also need to highlight. I understand in HLPP you will get only outstanding amount, But at least you will get that amount guaranteed. Please share your thoughts. Also clear me if i have some misconception.
Outstanding video sir, literally isse achi samaz sewa koi ho hi nahi skti
You are really a complete solution of all financial doubts. 🙏🙏thank you.
Very useful...Though I am a telugu speaking person,I clearly understood the content..Your presentation with examples is excellent...
Thanks so much for the detailed briefing!! Too good👍🏻👍🏻
Very nice deciphering of the all the Financial codes... One request to you please make a video on "term insurance". covering all point including fraud by bank.n point to consider
Excellent information and presentation, thanks a lot for details comparison between Home Loan Insurance or Term Insurance Plan
This video very helps you for, how all are new to home loan and particularly for insurance liked it. Great job keep it up :-)
Great knowledge sir, mai tho aap say bahut sikray sir thank you very much for sharing your knowledge
Sir I like your videos a lot. Very informative. Which software or hardware do you use to write on the screen? Please guide me. Thanks.
Nice explanation bhai..... Keep on making more videos on such issues.
People got vexed up with false news of agents outside.
Love your work and content. Can you make a video on whether to invest in Real estate (buy home) or invest in Mutual Funds.
Sir aapne bahut hi shandar jankari diye aapka bahut bahut dhanyawad
Very useful video. We are just planning to go for a home loan. Got to see your many related videos at the right time. Thank you Brother and God bless you.
Glad to hear that
U give always best knowledge..... Thank you so much sir
Really very useful and important video, dear sir thanx a lot !!!!
Very good information. Helped me to decide what to choose.
Great information Mukul. All my questions answered in 15 minutes. I am so glad to find this channel. Thank you.
Glad to hear that Vivek 😊
Great Job 👍, Really appreciate your way of explanation...U've got one more subscription today 🙏
Excellent Sir .... Thank you..Best information ...
Maine abhi Just Home loan ke liye application kiya he....Mujhe insurance ke bare me details me pata nahi tha.....But Abhi sure ho gaya .. insurance lena he ya..nahi...
Once Again ... Thank you sir...👍🙏
the best part of your information is regarding free insurance period, where applicant does not home loan liability policy but is forced upon him and under duress of circumstances pays premium he can surrender the policy within 15-30 days
Yes. That is applicable to all policies. But banks may apply some cancellation charges. It is always better to avoid at the first place.
Very nice. You explain very well.
Awesome sir but i hv request 2 u plz make video for Credit cards hidden charges like intrest, process fees, Igst, over valued limit par chages as well as one more netbanking through option Auto registered chages they all charges r part of that credit card .
Thank you Sir. Very informative
Good knowledge bhai
Bahut accha laga aap ka video
Society se lone uthana hai. To uske bareme thoda bata do sir. Yes I know every society has there own plans, but a small talk about it is needed.
I am your big fan. You are fanatics.
Superb... sir very use full information....thanks
Very important and useful information thank you so much
Thank you so much for information....
Sir, Please make a video on Loss on housing property carry forward, what if the home loan insurance paying seperately, number of house we can show as self occoupied. Please try to make vidoes on these topics fast, so that we can cover it before 31st july
That's great 👌👌 very useful and detailed
Sirji your concept was 100% perfect but you failed to highlight the difference of claim settlement between term and hlpp because that's the key role if the Money doesn't come on time will customer family will be able to get the property back ...every cheaper thing can't be a tool for all problems
That’s a good point, what is your take on this based on your research?
Term insurance company takes more settlement time and sometimes not pay also
Hi, Please suggest-
Whether to include one time insurance premium in home loan amount and emi or pay it seperately (if i have available funds)
also whether i should go for reducing coverage or fixed?
Bhai aapne bahot achhe se samjhaya.. thank you for that. There is question I haven't found any good video on that not only yours but no where.
Under construction property ke builder ke baare me throughout knowledge kaise milega? Builder kaisa hai? Reputation kaisa hai, property delivery ontime karta hai ya nahi? Yahi sab.
Thanks a lot Tarun
Very informative video
Thank you sir...
Nice explanation sir thank you so much 🙏
Best Video for 1st time home buyers. Thanks a ton
Dil se kahu aapke videos bahut hi achi information milti hai.
Dhanywaad :)
Very good n helpful vdo,thank u sr
Amazingly explained sir. Definitely a big thumbs up for your hard work👍👍 Must watch for ones taking home loan.
Thanks a ton
very good explanation for a layman to understand! thanks!
Thank you for appreciation 😊
this video very help full for joint loan applicants thank you sir
Good to hear that Sunil
I have taken home loan and my wife is co-applicants with me. I have gone through policy bazaar I can one take term plan for both me and wife. Pls guide on this. Also should I take family health insurance along with term plan
Bahot hi useful jankari 😊
Good information,one point if i have joint Loan in that case one term plan also solve the purpose as something happened to one person it can pay the Loan using the insurance amount .
Why it's necessary to take 2 term plan
Useful video for me thanks bro. 🙏
Thanx sir g.. Apki video se bhut jankari mili..mere ko bhi home loan lena h ..bank bhi tyar h.par ek bat samaj ni a rhi ki jaise home loan insurance h vo deth ke bad hi claims karta h ja koi major injuries ho jaye ja job chut jaye usko bhi cover karta h.plz sir JRUR reply kre
Thank you so much sir for such an informative vedio
Nice information, sir. One question sir ji, If I take term insurance and move to foreign ,then my insurance can be covered?
Bilkul sir aap bahut hi achhi information de rahe he. So thank you.
Thank you for appreciation Sandeep 😊
@@AssetYogi sir make a video on prant Pradhan Yojana benefits
Thanks for the video.
I have taken first home loan recently from sbi 1600000 i want to know that pradhaan mantri aawaas youjana is automatically applicable in my loan amount or i have to apply separately (if separately then how to apply)
Nicely explained. Appreciate the way you have explained.
Thanks for appreciation 😊
Very informative video. Thanks for sharing.
Thanq
Thanks for this info, very helpful
Nice video Sirji 👌!
Hello Sir, Could you suggest me which Term plan should I buy?
Hi sir, I already have term life insurance. And now planning to take a flat with home loan. So I need to take another term insurance or what???
Very nice sir..too helpful.
Hi Mukul, like your most of the video
Mind blowing. Great. Superb. Thanks a lot.
Keep learning
Very useful information sir , your work is awesome,in easy words 👌keep it up for us
Thanks Umesh
Good explanation sr sr if we are alive till the loan tenure we will get the benefit of these policies
Mukul sir much appreciated video. Thanks a lot. In case of HLPP you've mentioned about the reducing & fixed both. As per the presentation it covers the principal amount only. What about interest? Does bank/HLPP insurers waive off interest applicable on remaining principal amount or not?
I was going to ask the same question. What about the interest part ?
Once you pay all the principal in one go so there will be no interest applicable.
Insurance company will pay principal in one go and loan will be closed
Very detailed and helpful Information...
Sir can you make video on How to transfer property in low cost with different ways and what the cost with different way to transfer, like family member (Blood to blood relation), other. etc.
Thanks Mukul ji aapne mere 23.5 lakhs k loan par 76846 rupaye bacha liye....now I am going to buy term insurance instead of HL insurance.🙏🙏🙏🙏🙏Asset Yogi
Appreciate the way you explained everything and compared home loan insurance with Term insurance.
This will help many.
Very good information Thank you
Really appreciate the way you explained this and compared home loan insurance with Term insurance.
Ultimate.
Thanks 😊
Hello Mukul,
Can we take two term insurance.
If someone taken term insurance few years before taking home loan and as per your this video wanted to go with new term insurance.
Thanks
Anand
If I have existing term loan. Can I use that for home loan liability protection.
This Information is viable for every loan borrower
Thanks for the information...... V help ful for people taking home lone........ Bank executive put pressure to take insurance
Glad to know that it's helpful.
Super Explanation ..Thanks for making video
I hope this will be helpful Krisshna :)
Bahut accha samjhaya Apne
I hv an issue. What is the basic difference between home loan insurance and home insurance...
As u told in video...
HOME LOAN KE SATH SBI LIFE INSURANCE KE 4 OPTION ME KAUNSA PLAN BETTER HOGA? KRIPAYA JALDI REPLY KARE I HAVE TO OPT ON 20.05.19
Sir please make video on idfc short and sweet home loan. They reduce interest rate if you have amount in your savings bank account.
I did the same thing while availing home loan....Thanks for valuable inputs...
Keep learning Nitin
@@AssetYogi सर, मेरे पप्पा ने 2016 मे 8 लाख का लोन 15 साल के लिए लिया gruh finance से तब उनकी age 60 थी तो उन्होंने 1 लाख का इन्शुरन्स लोन कर दिया. तो अब वो लोन मै बंद करना चाहता हु तो वो बोल रहे की, इन्शुरन्स लोन का भी आउटस्टैंडिंग भरना पड़ेगा.
🙏 thanks ji
thanks for sharing...good one...
Your thought are very clear and helped me lot to know more about HLPP.
Amazing!!!
Is it good idea to buy HLPP along with Term Insurance.
Thank you sir.
I got enough info about HLPP and helped me a lot.
Need your suggestion on any term insurance.
I am taking an home loan of 12,00,000 for 10 yrs term.
And thanks in Advance sir.
Awaiting for your quick response.
For term plan call me 7738145143
Sir ji bahoot badhiya thanks ji
Keep learning :)
Good Suggestion Sir
Great video, A. please provide info on how to surrender policy within free look up period.
B. Bank executive says claiming cover in hlpp is much easy compare to term plan is it true?
Sure, noted the topic.
It's been a great help
Mera age 42years hai maine 36lakh ka home loan liya hai to mujhe iske liye koun sa term plan better ragtag?
very informative video and content. thanks Asset Yogi bhai
Thanks and welcome
Deference of mandtury or volantry policy type?
I like your videos...it helps us most.
Glad to hear that 😊
समय बहुत कंफ्यूज था लेकिन आपका वीडियो देख कर मेरी कंफ्यूजन दूर हो गई thanx sir
Keep learning :)
Bilkul mandatory hai loan insurance, Haan bank jiss insurance company sey judaa rahta hai wahan Wey force nahi kar saktey kee ussee insurance company sey insurance lein, kissi bhee aur insurance company sey bhee insurance Kara saktey hain, par chotey sey chota loan kaa insurance mandatory hai according to rbi guidelines 2013.
Very informative
Very well explained.Crisp and clear.
Thanks for appreciation Vikas
Kya sare banks insurance covered deti h at the time of issued loan amount?? Agr na deti h to kya hm uske khilaf koi action le skte h?
Good info. I just want to know if I take a home loan and in case of unemployment, will insurance cover this? I heard about the Rider-add on benefit but not got enough info. Please let me know if you have input on this.
@mohit mishra nope.
Thank you
still some points left
1. If loan amount is 40 lakh for 20 years and total 20 year premium is 1 lakh then they will charge 8.5% interest every year on 1 lakh
2. Why it is not deducted on yearly basis like simple term insurance