10:58 all ok but 1 year ku aprom antha product price low akirum and also outdated. If outdated also acceptable. But for that 1500 we need to wait for 1 year then how it's a solution. If it's an urgent means then what will can make a solution for it and upload another video pls.
பேங்க் எஃப்டி என்று சொல்லி நிறுத்தியது நல்லது, எப்போதாவது நீங்கள் கடன் மியூச்சுவல் ஃபண்ட் பற்றி விளக்கினால், அது சந்தை அபாயத்தைக் கொண்டிருப்பதால், மக்கள் பணத்தை இழந்தால், அவர்கள் திரும்பி வந்து மோசமான கருத்துக்களை வெளியிடுவார்கள்.. Nice and thanks for the educational video..
சூப்பர் explanation! நான் உங்க different 'you tube' presentation on real concepts, illusions, to prevent fraudulent, etc., Very Usrful. Lively. Sister go head. You already succeeded. 👍🏼🙏🏼👌🏼🌹🙂
In the starting of video you are telling no cost emi is trap. Then at the end you telling that it is good. Don't confuse the people. First you get aware of which is best then tell to us.
அந்த படபட பேச்சு.. தமிழன் மூச்சு.. அந்த வணிக தொழில்நுட்ப பொருளாதார அறிவு கப்பலேறி தொழில் செய்த காலத்து அனுபவம்.. வாழ்த்துகள் யுவராணி. நீ கடன் வாங்குவதில்லை கடன் கொடுப்பாய் என்று கட்வுளால் ஆசீர்வதிக்கப்பட்ட யூதன் தான் இன்றைக்கு உலகின் மிகப் பெரிய கடன் திட்ட முதலாளி. எல்லா வட்டியையும் அவன் தான் வசூல் பண்ணுகிறான். அந்த வகையில் இறையருளால் கடன் வாங்காமல் தவணையில் பொருள் எதுவும் வாங்காமல் எளிமையாய் வாங்குவதுதான் புத்திசாலித்தனம். அண்மையில் ஒரு பேட்டியில் விழுந்துபோன ஏர்செல் கம்பெனியின் முதலாளி சொன்னதுபோல நமக்காக பொதுஜனம் செலவு செய்கிறது எனில் வெள்ளி ஸ்பூனில் தங்க பஸ்மம் சாப்பிடுவது தவறல்ல.
good your boldness, clear learing to us is great, keep it up.what about discount when we purcahse items with full amount, can u please explain, it varies shop to shop. example inour daily life if i purcahse horlicks 500gms at departmental store , they willl give full mrp price , few may have points forget that, if we purchase normal annachi store they give arount 6rs or 7 rs less than mrp example for 100 rs they will ask only 93 rs. so like that mention ele tronic goods items
Post EMI INTREST VARIES 14 % TO 24 %. NOT 36 %. 36 % APPLING FOR MINIMUM PAYMENT I.e for 5 % of principles. Your presentation is excellent. No extra ward is used any where.
தவறான தகவல். பிராஸசிங் fee என்பது திருப்பி செலுத்தும் காலத்தைப் பொறுத்து மாறாது. பிராசஸிங் fee ரூ 200 - 300 க்கு மேல் இருக்காது. நான் அமேசானில் வேறு வங்கிகளின் Credit Card, debit Card இரண்டிலும் No Cost EMI பயன் படுத்தியிருக்கிறேன்.
Naan yerkanave intha method thaan use pannu 2 tear munnadi oru harddisk SSD vankunen. Rs.25000-2TB . Naan no cost EMi la 6 month ku order pannunen wirh processing fee 200. But anrha month ah FD la deposit panni 6 month ku 600 interest vanthathu so 400 Labam.
Sis, why don't you have a live session atleast once a month to clarify finance related doubts of many. Pls try. Video was very much informative and useful. Thanks and God Bless You Sis.
Ideas are good. But if I invest the capital in a FD, how will I be able to pay for the 6 months EMI, as my full capital is locked in the FD. Also, please mention the GST charges on top of the processing fee.
In No cost EMI, apart from processing fee, they charge GST for interest you pay every month. The upfront discount they offer for no cost EMI interest does not include the GST we have to pay along with the interest every month.
We have to pay EMI every month right, so interest amount also will vary. first month you pay 10K, so reaming amount will 50K, (calculate 50K interest amount), next month you have to pay another EMI 10K, now calculate interest amount for 40K, etc. miss leading.
I find obtaining credit card against same bank F/D is useful. Card is free, no paperwork, no annual charges, valid lifelong, doesn't affect the interest accumulation because of purchase using credit card, as long as you repay on due date! In no cost EMI you loose on small processing fee. Very useful for senior citizens living on interest from their F/D. Bank F/D rates maybe low but fund liquidity is as simple as clicking a button on the bank app.
Full amount to be invested in FD and after 6 months we can buy the product is delaying process to buy. I need to buy immediately. So , we r going to no cost emi .
kannu Yuvarani, i’m a Amazon Pay ICICI Credit Card holder.. just by going with no cost emi for a product worth 1,00,000 plus rupees. I’m getting benefitted. why don’t you try something else?
Amazon icici credit vs icici credit card different na enna & Normal icici credit card no cost EMI ku use panna mudiuma on Amazon & Even othe cash back also Atha paththi solluingga akka. Same flipkart axis credit card.
Excuse me , Space of Doubt Day one la 60000 Credit card 💳 swipe up for mobile Next Day two la FD invest done Next Fsix EMI payment Done 60000 If it is correct we Need 120,000 to avail 1500 Full cash இருந்தா full payment stores la bargains pannalaam dear try பண்ணுங்க ❤❤ Thanks for sharing 👍
புதிய இருசக்கர வாகனம் Emi ல வாங்கும் போது rto charge ( rto fees nu google chek panna 300 rs வருது ) டீலர்ல அதிகமாக வாங்குறாங்ல அது கண்டிப்பா rto ku தான் போகுதா இல்ல டீலர்கு போகுதா அதை பற்றி சொல்லுங்க சகோ.....
Best fix a product with 3 models and enqurie offline wait for prime days in online use credit cards with special discounts as rs1500 to 2500 after that with 0 cost emi u will get best deals ,door delivered and hassle free installation save lot of money. I used this way min saving 15 percent vs offline..for AC in saving I bought stablzer, bracket, and extra also paid installation charge 😊
If u have cash...say 50000 and buying anything. Buy in EMI and invest the 50000.. Assume ur paying 54000/for a year and interest on your deposit is 3500, after one year u will be having the phone and 50000... Without emi interest banks can't give you deposit interest
I prefer EMI even if i have full amount, as i can have my amount in account for other purposes and processing fee is applicable to both std EMI and no cost EMI , However post purchase emi option shd be avoided as the rate of interest will be higher than std emi
If you have full payment don't purchase with full payment. Take maximum month no cost emi. 12-18month on a few products. After delivery call to bank and cancel no cost emi and pay full amount. This will save huge money if you purchase a product 60000 means u get 4000-5000 savings.
I have this doubt for very long time when we purchase something with no cost and then when the credit cards add the EMI, there is always an addition of GST on the EMI amount. Is there something we are paying extra.?
Merchant side la irundhu no cost emi potta veru processing fee mattum illa processing fee ku gst,monthly emi amount kooda interest and adhukku gst varum nu sollalaye?
Naan lg 1.5 ton ac 43000 no cost emi la vangi monthly 4300 10 month katturan process fee 1200 total 44200 but ready cash 43000 calculate 10 month interest 😮😮 Neenga uruttunga unga vai😂😂
Many time I used this method, yuvarani why can’t you plan for an interaction session with people how the investing and saving money or how they have knowledge on it. If this interaction happens everyone can get many ideas and knowledge
Yuvarani ellam correct dhan Bank vachi nadathuravnuku profit vendama? Bank la poi nagai adagu vaikura apraisaruku edhuku extra amount kudukurom. Ellam appadidhan.
In the starting of video you are telling no cost emi is trap. Then at the end you telling that it is good. Don't confuse the people. First you get aware of which is best then tell to us
*Sister na amazon pay icici card la 20000 mobile no cost emi la vangana *Emi processing fees 199 with 18% tax total 235 * 6month ×3333=total 20000 plan * 2% percentage 20000ku payment handling charge total per month 3400 vanthuchi ... *Total Emi plan 3340 bank side share pannuvanga principal amount and interest amount nu .. *(Ex) Principal amount 3000 vachikonga intrest amount 340 total 3340 ennodo monthly emi plan tha .. *But twist enna na intrest amount Iruku la 350 ku namba central and state gst 9+9= 18 %kattanum overall 3380 varuthu every month *Overalll procesing fees la add panna 20900 varum extra 1000 pay pandra mari varum emi la ..atha mobile la full payment panni vangi irutha 18000 ku vangi irukalam discount 2000 icici credit card ku ...my experience ithu tha ...emi 😂
💳 Course on Credit Card - ffdm.app/adnq
199+18% GST=235😂😂😂😂😂
Subvention scheme Pathi sollunga
missed about GST on emi
Normal EMI kum processing fee iruku... Atha solala... Check the same page carefully...
delay the purchase- best suggestion . finance na verum calculation mattum illa, emotions um iruku nu prove panringa. well explained
பழைய மாதிரி சேமித்து பணம் கொடுத்து பொருள் வாங்குவதே சாலச் சிறந்தது.
உங்களது விளக்கம் மிகவும் சிறப்பாக உள்ளது.வாழ்த்துகள்
உங்கள் நடிப்பு மிகவும் அருமை. எதாவது நாடகம் நடிக்கலாம்
தேவைகள் அறிந்தால் பொருளின் உபயோகங்கள் புரியும்
மிகச் சிறப்பு. ஒரு மாதம் திட்டம் கருத்தில் கொள்ள வேண்டியது.
.
Niraya nalla information enkalla Mathri house wife kku easy puriyara mathri solluringea Thank you Mam….👏👏👏👏👏
கடன் அட்டை ஒழுக்கமான திட்டமிடல் உள்ளவர்களுக்கு ஒரு வரம்
Really awesome video......useful ha irrunthuchi....thank you.....yuvarani....keep rocking.....
No credit cards.
No EMI
No tension
No GPay
Only SB a/c
Walking directly to bank
I am leading happy life.
Same
Thankyou for your kind reply
That's right I am following the same principle
I am using all these except EMI. No problem.
This is called delayed gratification! well done with ur explanation
Video starts at 0:53
Yuvarani podra video's ku mattum than adhigama comments views varuthu 😋😋 yuvarani RUclips Rani 👸👸👸👸👸
Very well explained I was thinking of making such videos to bring public awareness. But really thank you for your explanation.
Good info, but it's EMI of six month is 2500, we get 1500. It means battle is still on. Sometimes delayed gratification is the best solution in my POV
10:58 all ok but 1 year ku aprom antha product price low akirum and also outdated. If outdated also acceptable. But for that 1500 we need to wait for 1 year then how it's a solution. If it's an urgent means then what will can make a solution for it and upload another video pls.
best my umbel tips go for EMI..
நடுத்தர மக்களின் யுவராநீ 👉🏻❤
Fd pogama gold coins la invest pannuna 60k ku 1 savaran vangidalam 6 monthla nalla profit varum
அருமையான பதிவு வாழ்த்துக்கள் தோழி 💐💐🙏
EMI na Every month installment nu nenachinu irundhen
Equated monthly installment nu innaiku intha video la than therinjadhu
Mikka nandri sago
பேங்க் எஃப்டி என்று சொல்லி நிறுத்தியது நல்லது, எப்போதாவது நீங்கள் கடன் மியூச்சுவல் ஃபண்ட் பற்றி விளக்கினால், அது சந்தை அபாயத்தைக் கொண்டிருப்பதால், மக்கள் பணத்தை இழந்தால், அவர்கள் திரும்பி வந்து மோசமான கருத்துக்களை வெளியிடுவார்கள்.. Nice and thanks for the educational video..
EMI onnu vantha piragu thaan business development aagirukku. Ungalukkum nallathu thaan nadanthurukku itha pathi solli video paarkavaikka
correct..
சூப்பர் explanation!
நான் உங்க different 'you tube' presentation on real concepts, illusions, to prevent fraudulent, etc.,
Very Usrful. Lively. Sister go head. You already succeeded. 👍🏼🙏🏼👌🏼🌹🙂
In the starting of video you are telling no cost emi is trap. Then at the end you telling that it is good.
Don't confuse the people. First you get aware of which is best then tell to us.
always confusing these type of youtubers..
Processing Fees: Typically, banks charge a flat processing fee if you choose the No Cost EMI option. This fee can range from Rs. 99 to Rs. 300.
அந்த படபட பேச்சு.. தமிழன் மூச்சு.. அந்த வணிக தொழில்நுட்ப பொருளாதார அறிவு கப்பலேறி தொழில் செய்த காலத்து அனுபவம்.. வாழ்த்துகள் யுவராணி. நீ கடன் வாங்குவதில்லை கடன் கொடுப்பாய் என்று கட்வுளால் ஆசீர்வதிக்கப்பட்ட யூதன் தான் இன்றைக்கு உலகின் மிகப் பெரிய கடன் திட்ட முதலாளி. எல்லா வட்டியையும் அவன் தான் வசூல் பண்ணுகிறான். அந்த வகையில் இறையருளால் கடன் வாங்காமல் தவணையில் பொருள் எதுவும் வாங்காமல் எளிமையாய் வாங்குவதுதான் புத்திசாலித்தனம். அண்மையில் ஒரு பேட்டியில் விழுந்துபோன ஏர்செல் கம்பெனியின் முதலாளி சொன்னதுபோல நமக்காக பொதுஜனம் செலவு செய்கிறது எனில் வெள்ளி ஸ்பூனில் தங்க பஸ்மம் சாப்பிடுவது தவறல்ல.
சரியாகச் சொன்னீர்கள்!!!!
😊Processing fee max 199-299 for 12 months emi.
You are misleading. Rest of info are well and good👍
Not like that, Every credit card company some percentage of loan amount they will charge every month
good your boldness, clear learing to us is great, keep it up.what about discount when we purcahse items with full amount, can u please explain, it varies shop to shop. example inour daily life if i purcahse horlicks 500gms at departmental store , they willl give full mrp price , few may have points forget that, if we purchase normal annachi store they give arount 6rs or 7 rs less than mrp example for 100 rs they will ask only 93 rs. so like that mention ele tronic goods items
Post EMI INTREST VARIES 14 % TO 24 %. NOT 36 %. 36 % APPLING FOR MINIMUM PAYMENT I.e for 5 % of principles. Your presentation is excellent. No extra ward is used any where.
Please explain about below charges what is pick up charge
Bounce charges:_* ₹ ****
Penal charges:_* ₹ 0
Pick up charge:_* ₹ ***
Other charges:_* ₹ 0
Great definition.. congratulations
GST is 18% for the interest plays major role, Shouldn’t not use credit card EMI at all.
தவறான தகவல். பிராஸசிங் fee என்பது திருப்பி செலுத்தும் காலத்தைப் பொறுத்து மாறாது. பிராசஸிங் fee ரூ 200 - 300 க்கு மேல் இருக்காது.
நான் அமேசானில் வேறு வங்கிகளின் Credit Card, debit Card இரண்டிலும் No Cost EMI பயன் படுத்தியிருக்கிறேன்.
How to use debit card to buy products in Amazon please explain
simply avail No cost EMI option on every product, give your any Debit card detail..
Neenga romba alaga irukeenga
யுவராணி அக்கா வணக்கம். நாங்க எப்போதும் ரெடி cash தான் அக்கா. நன்றி வணக்கம் அக்கா 🌹🌹🌹
Naan yerkanave intha method thaan use pannu 2 tear munnadi oru harddisk SSD vankunen. Rs.25000-2TB . Naan no cost EMi la 6 month ku order pannunen wirh processing fee 200. But anrha month ah FD la deposit panni 6 month ku 600 interest vanthathu so 400 Labam.
Sis, why don't you have a live session atleast once a month to clarify finance related doubts of many. Pls try. Video was very much informative and useful. Thanks and God Bless You Sis.
Very useful video ... thank you
Please talk on professional tax.
Thanks madam your all videos is most useful...
Utilization of product is important rather than its Processing fee..
Excellent one 🎉
Post purchase EMI attracts interest only at about 13%. But we should convert the purchase into EMI before the due date for payment.
U r right yuvarani...
Good information great 👍
Super yuvarani
Appreciate your efforts for sharing this emi awareness information
Madam, I'm following this method already. The last method ,
Ideas are good. But if I invest the capital in a FD, how will I be able to pay for the 6 months EMI, as my full capital is locked in the FD. Also, please mention the GST charges on top of the processing fee.
Nice explanation sister
Useful tips 👌👌
Very informative video!
Processing fee 200 first month emi mattum tha varum
In No cost EMI, apart from processing fee, they charge GST for interest you pay every month. The upfront discount they offer for no cost EMI interest does not include the GST we have to pay along with the interest every month.
Good financial advice
Still no cost emi 51999 thana? Namakku enna vanthuchi?
We have to pay EMI every month right, so interest amount also will vary. first month you pay 10K, so reaming amount will 50K, (calculate 50K interest amount), next month you have to pay another EMI 10K, now calculate interest amount for 40K, etc. miss leading.
I find obtaining credit card against same bank F/D is useful. Card is free, no paperwork, no annual charges, valid lifelong, doesn't affect the interest accumulation because of purchase using credit card, as long as you repay on due date! In no cost EMI you loose on small processing fee. Very useful for senior citizens living on interest from their F/D. Bank F/D rates maybe low but fund liquidity is as simple as clicking a button on the bank app.
🌟Basic thing is, 📯you should save money every month & then accordingly you plan for purchases, 📯
Full amount to be invested in FD and after 6 months we can buy the product is delaying process to buy. I need to buy immediately. So , we r going to no cost emi .
kannu Yuvarani, i’m a Amazon Pay ICICI Credit Card holder.. just by going with no cost emi for a product worth 1,00,000 plus rupees. I’m getting benefitted. why don’t you try something else?
She is absolutely right. You try something else and something honest to sell yourself and your products
super yuvarani....
Amazon icici credit vs icici credit card different na enna & Normal icici credit card no cost EMI ku use panna mudiuma on Amazon & Even othe cash back also Atha paththi solluingga akka. Same flipkart axis credit card.
Excuse me , Space of Doubt
Day one la 60000 Credit card 💳 swipe up for mobile
Next Day two la FD invest done
Next Fsix EMI payment Done 60000
If it is correct we Need 120,000 to avail 1500
Full cash இருந்தா full payment stores la bargains pannalaam dear try பண்ணுங்க ❤❤
Thanks for sharing 👍
At last someone who thinks and uses brain among Yuvarani viewers lol
புதிய இருசக்கர வாகனம் Emi ல வாங்கும் போது rto charge ( rto fees nu google chek panna 300 rs வருது ) டீலர்ல அதிகமாக வாங்குறாங்ல அது கண்டிப்பா rto ku தான் போகுதா இல்ல டீலர்கு போகுதா அதை பற்றி சொல்லுங்க சகோ.....
நிறைய explaination இருக்கு. எளிய மக்களுக்கு புரியர மாதிரி கொஞ்சம் சொல்லுங்க sis
70k downpayment panni bike vangune 36 month 6,642 rs emi now 14 months kattiruke ippo emergency ku cash theva paduthu antha bike ah epdi sale pandrathu
Amma, many aware of this, still it's better
Best fix a product with 3 models and enqurie offline wait for prime days in online use credit cards with special discounts as rs1500 to 2500 after that with 0 cost emi u will get best deals ,door delivered and hassle free installation save lot of money. I used this way min saving 15 percent vs offline..for AC in saving I bought stablzer, bracket, and extra also paid installation charge 😊
Good yuvarani
Very good advices
உண்மைதான் நான் ஃபுல் பேமென்ட் இல் கார் வாங்கி இன்றுவரை வருத்தப்பட்டுக் கொண்டிருக்கிறேன்
Previous voice was good
yuvarani...... EMI na Easy Monthly Installment illaya???? Ithana naala Nammala Yemathitu Irukkanola? "Easy"-na Easy-a kattirlamnu nenachane....🙄😬😟😧😨😥😭😩😁😁😁😁😄
Yethu Yeppidiyo neega
Finance minister aiyuduveeganu
Neneikere valthukkal
3:40 SBI La mobile vangunen Amazon la, no cost emi nu sonnanunga, buy panna piragu month ku 277 intrest
If u have cash...say 50000 and buying anything. Buy in EMI and invest the 50000.. Assume ur paying 54000/for a year and interest on your deposit is 3500, after one year u will be having the phone and 50000... Without emi interest banks can't give you deposit interest
Superexpletion. ❤
I prefer EMI even if i have full amount, as i can have my amount in account for other purposes and processing fee is applicable to both std EMI and no cost EMI , However post purchase emi option shd be avoided as the rate of interest will be higher than std emi
Fd la potta eppadi EMI katta mudiuu monthly withdraw panna mudiuma. Intha concept purila itha paththi explain pannuingga
Canara Robeco details soluga
Nice akka!!
If you have full payment don't purchase with full payment. Take maximum month no cost emi. 12-18month on a few products. After delivery call to bank and cancel no cost emi and pay full amount. This will save huge money if you purchase a product 60000 means u get 4000-5000 savings.
Really Super 👏👍
Pinellabs give more cashback for offline productts....
Example..
I'm buying 11kg front load washing machine ..
Cash payment= 51000
But , credit card emi conversion payment 40500 only.... 😂😂😂😂😂
So I'm buying credit card method.. 🎉🎉🎉🎉
I have this doubt for very long time when we purchase something with no cost and then when the credit cards add the EMI, there is always an addition of GST on the EMI amount. Is there something we are paying extra.?
Postpone buying things for 30 days.. best way to avoid unnecessary shopping
Merchant side la irundhu no cost emi potta veru processing fee mattum illa processing fee ku gst,monthly emi amount kooda interest and adhukku gst varum nu sollalaye?
Doubt irukku loan pathi ungala contact panlama sister?
This video is not for DRINKER
Good awareness video
Home loan best ah? Personal loan best ah?
Naan lg 1.5 ton ac 43000 no cost emi la vangi monthly 4300 10 month katturan process fee 1200 total 44200 but ready cash 43000 calculate 10 month interest 😮😮
Neenga uruttunga unga vai😂😂
Many time I used this method, yuvarani why can’t you plan for an interaction session with people how the investing and saving money or how they have knowledge on it. If this interaction happens everyone can get many ideas and knowledge
Yuvarani ellam correct dhan Bank vachi nadathuravnuku profit vendama?
Bank la poi nagai adagu vaikura apraisaruku edhuku extra amount kudukurom.
Ellam appadidhan.
Ok ..then why theysay no cost-,no interest emi ?if you want you donate to bank.....
In the starting of video you are telling no cost emi is trap. Then at the end you telling that it is good.
Don't confuse the people. First you get aware of which is best then tell to us
Ma'am Why are you shouting. But still it's not clear for emi on debit card, it looks like you are simply scaring people.
இந்த ஆடை உங்களுக்கு நல்லாவே இருக்கு
*Sister na amazon pay icici card la 20000 mobile no cost emi la vangana
*Emi processing fees 199 with 18% tax total 235
* 6month ×3333=total 20000 plan
* 2% percentage 20000ku payment handling charge total per month 3400 vanthuchi ...
*Total Emi plan 3340 bank side share pannuvanga principal amount and interest amount nu ..
*(Ex) Principal amount 3000 vachikonga
intrest amount 340 total 3340 ennodo monthly emi plan tha ..
*But twist enna na intrest amount Iruku la 350 ku namba central and state gst 9+9= 18 %kattanum overall 3380 varuthu every month
*Overalll procesing fees la add panna 20900 varum extra 1000 pay pandra mari varum emi la ..atha mobile la full payment panni vangi irutha 18000 ku vangi irukalam discount 2000 icici credit card ku ...my experience ithu tha ...emi 😂
interest will be discounted in no cost emi.. they will put emi for the (amount - interest)