Rent House vs Buy House Which is Better | Free Calculator to find out Rent house or Buy house
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- Опубликовано: 13 сен 2024
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Sir, please make a video on Margin and Leverage concepts.
Sir,excel sheet link?
Raj Garu, I have mentioned clearly about excel sheet in video
@@MoneyPurse I didn't find the link . Can you please point us to the link
Sir , you have not said about the LTCG tax and tax grid on the total gains of the mutual funds & moreover nifty will not give more than 13-14%/ yr (CAGR).
పేదలకి ఈ లెక్కలేమి ఉండవు. ఏ రేకుల షెడ్డులో అద్దెకు ఉంటూ, చక్కగా పనికి వెళ్ళి, సాయంత్రం ఒక క్వార్టర్ వేసి ఏంజాయ్ చేస్తారు.
Correct vallaki illa pattalu kuda vasthayi
True bro
Avna enjoy chesthunnara miru kuda o shedd vesukuni enjoy cheyandi
S
Correct bro
మీరు చెప్పింది వాస్తవం..కానీ రెంట్ ఇంట్లో ఉండటం own house lo ఉండటం లో చాలా తేడా ఉంటుంది అది రెంట్ హౌస్ లో ఉండేవాళ్లు కి తెలుస్తుంది... ఓన్ హౌస్ అనేది ఒక ఎమోషన్ .. కాకపోతే లోన్ ఒక 30% వరకు మాత్రమే ఉండి 70% క్యాష్ తో తీసుకునేలా ఉండాలి. మొన్న కరోనా వచ్చింది అని ఇంటి ఓనర్ మిగితా రెంట్ వాళ్ళు ఒకతన్ని ఇల్లు ఖాళీ చేయించారు మనకంటూ ఒక సొంత గూడు ఉండటం లో ఉన్న కాంఫర్ట్ దెంట్లో కూడా ఉండదు... చాలా మంది భారతీయులు ఇల్లు నీ ఒక ఇన్వెస్ట్మెంట్ గా కాకుండా ఒక కంఫర్ట్ లా భావిస్తారు... రోడ్డు కి దగ్గరగా అపార్ట్మెంట్ ఉండేలా ఉంటే అపార్ట్మెంట్ thiskovachu..లోపల అయితే independent House బెస్ట్...
Better to go and buy independent house or apartment
Yes house anedi oka emotion
.......? k
ఏ calculate చేసినా సొంత ఇల్లు సొంత ఇల్లే...ఆ వాల్యూ యే వేరు అద్దె ఇంట్లో satisfaction అనేది ఉండదు.. ఓనరు చెప్పినట్లు Fallow అవ్వాలి. ఇల్లు వెకేట్ చేసి వేరే ఇంటికి మారాలంటే పిల్లలతో చాలా ఇబ్బంది... location మారిపోతుంది... shifting charges భారమవుతుంటాయి...సొంత ఇల్లు ఉండటం వల్ల ఇతరస్త్ర ఏలోన్సు అయినా
Easy గా వస్తాయి
Dabbulu unte sonta illu manchi asset. Appu chesi konte aaripotam sir.
Yes
@@rampage7818 అప్పు తీర్చే మార్గాలు ముందే వెతికి పట్టుకోవాలి...అలా ఐతే ఏం కాదు....
చాలా బాగా చెప్పారు.. ఓనర్ దగ్గర తలవంచుకుని తిరగాలి..
సొంత ఇంట్లో ఉన్న ఆత్మ సంతృప్తి వేరు..
ఇల్లు కొనకుండా డబ్బులు షేర్ లో పెడితే.. ఆ షేర్లు ఒకేసారి డమాల్ అయితే.. అప్పుడు లాభం గూబకి వస్తుంది..
@@Rks1983 valid point
This is exactly what I thought about owning a house. Instead of paying EMI, I personally want to invest that money for a better return rate. You gave more clarity with your calculations. Thank you sir. 👍
Here everyone misses one important point he has mentioned. "Loan takes away your freedom to do anything else other than day job to reach better future e.g., business". We will lose that freedom for our good "young" 15 years. Time (e.g., age) is the most valuable commodity in the world, don't live it for some one else's (banks, builders). Save your money as you earn, Buy your house when you can. Have freedom at your valuable years to do what you can and become in your life. The moment you take the loan, you are stuck - no matter how hard worker you are, how big your goals are, you got to do that same job.
Yes Bro
1. Buy your house when you can. 2.We will lose that freedom for our good "young" 15 years.
Money ella karchu petalo, ella invest cheyalo teliani valu, Present life ni enjoy cheyadam teliyinavalu
Apu chesi ellu kontaru
.
You have great understanding level 👍🏻
Investment priority 1,plot 2. agriculture land 3. flat 4. gold 5.fixed deposits in national banks.
అప్పు అప్పుడే విరోధం ,అని పెద్దలు చెప్పారు ఇయంఐ ద్వారా ఇల్లు కొనడం బుద్ధి తక్కువ దీనివల్ల సగానికి పైగా జీవితం ,బ్యాంకులకు బాండవుతుంది బిల్డర్లు ఇంటి ఆశ చూపించి బ్యాంకులకు మనల్ని బందీలు చేసి వారి డబ్బు రాబట్టుకుని ఉడాయిస్తారు ,కొంత ఆలస్యమైనా డబ్బులు జమచేసుకుని ఉన్న డబ్బునిబట్టి కొంత దూరమైన పరవాలేదు ఇల్లు కొనుక్కోండి అపార్ట్ మెంట్ ఫ్లాట్ మాత్రం అసలే కొనకూడదు దీనివల్ల పిల్లలకు భవిష్యత్తు ఇవ్వడం కష్టం ,
True Sadiq Mohammad garu
D
S..
వాస్తవం చెప్పారు sadiq గారు
Bro chala bagudhiiii Mi explain..
సార్ మీరు చాలా చక్కగా వివరించారు మీకు ధన్యవాదాల🙏
నాకు ఒక సందేహం వచ్చింది
సార్ హౌసింగ్ లోన్ ఉంటే EMI కట్టి తర్వాత కొన్ని సంవత్సరాలకి ఇల్లన్న ఉంటుంది అద్దె ఇంట్లో ఉండి మీరు చెప్పిన విధంగా investment చేసేవాళ్ళు ఎంతమంది ఉంటారు అని నాకు సందేహం కలిగింది
You are the best person who explains financial planning in telugu I am learning a lot thank you so much sai garu
Thank you so much Ravi garu
Ultimate Explanation sir, I really don’t know who ru, i m just watching RUclips and read tagline but after watching ur video it’s very worth full middle class families like me. Thanks a lot.
Thanks a lot andi, nice to hear it was helpful. We upload many such useful videos on regular basis
Still i m watching ur video coz. I couldn’t complete fully nd very interesting sir. Pl keep it up coz. It’s very useful to people’s
I had a smile ,when you told that if construction people gives us land , we didn't even construct bathroom in that
Same here
Good information sir.super చెప్పారు
మేము చాలా తప్పు చేశాం.ఆప్పు చేసి ఇల్లు కొన్నాం.totalga loss లో ఉన్నాను.ఇంట్లో చెపితే వినకుండా ఇల్లు కొను ఇల్లు కొను అని force చేశారు.ladies చెపితే వినరు.పక్కితోల్లు కొన్నారు అని force
In which location sir?
In this 20 years journey
I may have following expenses.
1.Marriage
2. Expenses on children education.
3. Retirement planning.
4. Un expected helath issues.
I think all these things may show an impact on calculation and generated corpus. Am I right?
Hi Widyasaagar garu, yes all these will impact you, so we should plan for these things with higher priority
Andhuke marriage chesukopothe a baadha vundadhu.... Stay Single stay happy...😛
😀
the satisfaction of having an own property and living in it... is priceless... naa ane dantlo unnanta trupti vere dantlo ledu
all the best Pradeep garu
EMI date vastey chaalu presssure ekkuvavtadi. Home Loans are suitable for only who has good financial support, OR Govt Jobs. Private Jobs/unscured jobs assalu risk cheyakandi. Or do one thing if you buy house on Loan....2/3yrs tarwaata kodiga ekkuva rate ki ammesi....land konukunni kudirinappudu illu kattukondi.
I purchased house (individual )at Bangalore 32 lakhs in 2013 with loan 26 lakhs ,site rate when purchasing was rs 2200 per sqyfeet
Today site rate only rs 6000 per square feet
Total site rate today is 36lakhs ,no body invest or savings regularly ,my opinion is purchasing house( individual )through loan is better with increasing EMI every year
9yra lo miku site increase ayindi only four lakhs a
I wish I had seen your video 6 years back when I bought my apartment. I could have avoided lot of pressure.
Also I recently came across a person who did the smart thing of investing in Mutual funds as strict as paying EMI for 8 years and bought house with 80% down payment for a 1 CR apartment. I did not meet him sooner in my life. Lesson learned in hard way.
Thank you for educating people like me. I am trying to educate people in my friend circle. Your video will help many more. I will share it with them.
Person who has an own house own car and no loans and also gets close to a lakh is the happiest person 👍
Purvikula asti tappa its impossible for Middle class boss..
@@lravikiran88
Own house chinnadi konnukovochu flat comes in 25 to 35 lakhs .... Slowly can increase ny saving . Live a simple happy life
Purvikula.aasthi unte King vaadu 👍
@@factualproof pelam opukoda china flat ante
@@lravikiran88 hahahah manna manna stomata bro koncham unnapudu chinnagane alochinchale daani ela penchala chuskovale 👍
I cleared my home loan last month also owned own car but agian second hand car which is 3 lacks, because for brand new car I need go for loan for another 3 years which I dont want to, now I am loan free, I am into below middle class family.
చాలా బాగా చెప్పారు. కానీ, already 45 years ఉండి, సేవింగ్ start చేయాలని అనుకొనే నాలాంటి వాళ్ళకి, తగిన సలహా ఇవ్వగలరు. నాకు కూడా సొంతింటి కల ఉంది
డిస్ లైక్ కొట్టినోళ్ళూ... ఓన్ హౌజ్ వాళ్ళూ అనుకుంట 😁😆😅😂
Sir, there are few more things I would consider based on my personal experience.
1. Investment Risk factor - one of the important factor to me. I have invested in mutual funds around 5.5 lacs since 5years and is in 60k loss now. I have also invested in stocks without knowledge and lost 10lacs. If I had invested in a land or house or flat, it would have given good returns.
2. If we do not put any commitments, then you will make unnecessary expenses without thinking much about savings.
Can you please enlight us by providing those mutual fund names, Are they taxable mutual funds?
Long term investment is good... Minimum 15 years.
@@baludevarapu any mutual funds, stocks are in loss right now since after modi's term started there is no consistent growth in stocks and MF's and currently due to Corona world wide there is huge downfall. Anyone who has invested thinking for long term before Modi has come that is before 6,7 years its a huge loss only. This comment is not for regular stock investors who invests every day and sell them every day
@@chaits4377 Thank you for sharing info.
@@chaits4377 what about now? Its going well right?? MFs are far better to invest keeping long term in mind.
చాలా బాగా చెప్పారు సర్. చాలా ఇంగ్లీష్ వాటిలో కూడా కొన్ని వదిలేస్తారు కానీ మీరు అన్ని విషయాలను స్పష్టంగా చెప్పారు. థాంక్యూ వెరీ మచ్ sir.
Thanks and most welcome Sateesh garu
I don't think you are alone in analysing all the pros and cons that you have come up in this video , really appreciate your team's effort. super team and great leader!!
Thank you Rakshith garu, my team is great strength for me .. I will share your appreciation with them
I look kkkkk ok I know k kkkkk I k kkkkk I kn ok ok ok k ok ok ok kkkkk kkkkk ok kkkkkk ok k kkkkk ok kkkkkk k kkkkk kkkkk I look kk
Kkkkk kkkkk ok kkkkkk kkkkk knn I'll LLM
Monthly saving (emi rent) lo 16667 minus chesaru gani 5 to 10% yearly increase consider cheyaledu
Oka vela ah amount invest cheste selling time lo daniki tax padutundi..
But the advantages and disadvantages that u explained is excellent....every person should consider before buying buying a flat.
Last calculation lo every year rent perugutundi kada.. So (EMI - RENT) value change avvali kada every year
KILLED LIKE BUTTON..
కృష్ణా జీ
ఈ వీడియో ఖచ్చితంగా నాకు చాలా ఉపయోగపడుతుంది...
Waching video..
All the best Prasad garu
Job vuntundo vundado ipudu, home loan teesukovalante chala bayamga vundi
Ultimate explanation, but if a person consider all points, definately middle class PPL can't buy house sir👍
Hi, Very insightful and informative. I believe we have to include HRA tax benefit for rental house(19th minute).
ఇలోపు జాబ్ పోతే,ఎందుకంటే ఇది గవర్నమెంట్ లో కొంతమంది నాయకులు,కార్పొరేట్ కంపినీస్,విద్యావ్యవస్థ, యువతతో ఆడుతున్న గేమ్. తెలిసినవారు ఎవ్వరూ జీవితంలో సెటిల్ అవ్వేవరకు ఇల్లు తీసుకోరు. అలాగే వెంచర్స్ లో ఇల్లులుకొని దళారులను పెంచి, భూమిరెట్స్ వచ్చేతరానికి భారంలేకుండ చేయాలని మనవి, మన ముందు తరం వాళ్ళు తప్పు వేయటం వలనే 100 గజాలు 50 లక్షలు అందులో ఇల్లు 10 లక్షలు మన జీవితం ముఖ్యం ఇల్లుకాదు. జీవితం, ప్రకృతి, ఆరోగ్యం ,విలువలు,మానవత్వం చాలా ముఖ్యమైనవి. ఎన్నో సంవత్సరాలు చదువుకున్నది, సాటి మనిషికి నీడలేకుండా చేసే మానవత్వం లేని రియలేస్టేట్ దళారుల కోసంకాదు.
Over all Video and Explanation is very good... but below are my view points..
Just for example - An average apartment cost in Hyderabad was 20-25lacs 8-10 years ago, now it reached 80L-1cr for the same size flat and in the same area.
So what will be the cost of a new house (consider the same apartment used in this example) after 15 years, it will be more than 6X-7X time minimum based on current real-estate market trend. So how can you buy a home at age 40 by spending 3Cr-3.5Cr, how much will be the monthly EMI. After age 40 there will be so many other responsibilities so i believe its very tough to pay higher EMIs.
So i feel buying a home as soon as possible is also a better option considering the way the property/house costs are rising these days. but need to consider all other aspects explained in this video... :-)
మధ్య తరగతి వారిని దృష్టిలో పెట్టుకొని చేలా చక్కగా సులభంగా అర్ధమైయేటట్లు చెప్పారు.👍
For all round growth we should have Financial knowledge, this video gives better understanding of that, thank you for the video.
మీరు చేసినవి అన్ని బాగున్నవి కానీ మీరు request చేయడం బాగోలేదు అండి.
మీ videos లో quality ఉనప్పుడు మీరు అడగకుండానే like చేస్తారు, subscribe చేస్తారు,ఏమైనా తెలియనివి ఉంటే commentలో అడుగుతారు అని నా అభిప్రాయం.
Super great ani comments pettina vallu kooda home loan teesukunna vallu or future lo tesskunay vallu untaru video post chesa ee sir kooda own house undemo
We can't sleep peacefully if we don't have own house, and no value in society for rentals.
No value in society is a past thing now. There are plenty properties sitting empty and desperate to fill with tenants. Due to vast growth in housing becausing of easy loans people are buying not 1 but 2 to 3 houses. Better to be smart than looser. This housing bubble will burst one day. As 70% are already on loans, or borrowing money for not needs but for comforts. This 70% will turn to 90% soon as people are still not learing from previous financial meltdowns. There were lot of financial recession and depression happen but still people are thinking of status. It's a pity.
చాలా చక్కని అంశం బోధించిన ఫాస్ట్ గారికి వందనాలు
Thank you sir. Excellent information.
Most welcome andi
Good explanation, all things fine, but the invester need to wait upto 20 years , in this period price will increase very high, and at that age , he can't enjoy, all the dream at rght age.. I feel. Otherwise amazing helpful
ఉచితంగా ఇవ్వకున్నా కనీసం ఇంటి అద్దె నే ఆ ఇంటి ఇన్స్టాల్మెంట్ గా కడుతూ ఆ ఆ ఇంట్లోనే ఉండేలా ఉంటే ఎంత బాగుంటుందో కదా కేంద్ర రాష్ట్ర కేంద్ర రాష్ట్ర ప్రభుత్వాలు బ్యాంకులు ఇలాంటి సౌకర్యం సామాన్యులకు కల్పిస్తే సామాన్యులకు సొంత ఇంటి కల నెరవేరుతుంది ధన్యవాదాలు మేరా అఖండ భారత్ మహాన్
🙏👏సర్ మంచి విషయం చెప్పారు నేను ప్రస్తుతం అదేపనిలో వున్నాను నాది సురేష్ పరిస్థితి,మీ ఛానల్ ని లేట్ గా చూసిన సరైన టైం లో చూసాను.మీరు చెప్పింది 3%ok కానీ 1%కన్ఫ్యూషన్ లో వున్నాను.
How much is that guarantee that stock market will not crash? We don’t have any control, multiple external factors will play on stocks. Buying house is a secure way what ever like pandemic happens we can stay in home even losing job can reduce ur expenditure..if you initially save more and close the loan earlier..
property value depreciates drastically over a long period if you buy a flat in apartment, you will not get the cost of flat at the end..we can see this real life, suppose if you buy a flat 60L it will be 10L to 15L after 10 to 15 years, Because it became old property and nobody will be ready to buy for higher prices..Instead of that, if you are in rented flat you can save a lot of money for future and also enjoy the same benefit of flat like a owner.
Its true 👍
its somewhat wrong. flat value also increases over period of time whether its new or old due to inflation
After watching this video I realized that wasted 10 years😭😭... 0 investment 0 savings
He has many valid points but one of the best decisions I made is take an apartment before going abroad. Paid off home in 2 yrs and liability (home emi) turned into asset with cash cow (paying rent now). Managing is pretty much easy only thing is you compromise on just a little like 10% less rent to have the same stable tenant at home for longer period. Think about it. If you foresee a larger income before going abroad do it. The same 37lkhs 3bhk in 2914 costs north of 90lkhs now if you want to get a new home in Hyderabad. I'm not doing rocket science here too, almost every IT guy does the same, all we have to do is maintain discipline and just some forward planning.
నేను august 2016 లో bank loan + office society loan + బయట కొంచెం amount తీసుకొని chennai outskirts లో ఒక చిన్న place తీసుకొన్న.. July 2018 లో మళ్ళీ Bank loan + office society loan + బయట కొంచెం amount తీసుకొని ఇల్లు కట్టడం జరిగింది..March 2019 కి ఇల్లు కట్టడం పూర్తి అయ్యింది..
Bank లో మొదట 7,50,000 + ఆఫీస్ & బయట 7 లక్షలు తీసి plot కొన్నా.. 2018 లో మరల bank loan తీసుకొన్నపుడు 21,00,000 loan sanction అయ్యింది..అయితే పాత loan balance 6,35,000 కట్ చేసుకొని మిగిలినది విడతలుగా ఇల్లు కట్టినపుడు March 2019 వరకు ఇవ్వడం జరిగినది..
Bank loan + office loan + బయట తీసుకొన్నది మొత్తం 36,00,000 ఇంటికి ఖర్చు అయ్యింది.. plot కొన్నప్పటి నుండి ఇల్లు కట్టినంతవరకు bank వడ్డీ + office loan వడ్డీ 10,00,000 అయ్యింది..చేతిలో ఉన్న LIC డబ్బులు + savings 2,00,000 పెట్టా.. మొత్తం 48,00,000 ఇంతవరకు అయ్యింది..
నాకు విజయవాడ transfer అవడం వలన ఇల్లు అమ్మేయాలి అనుకొంటున్న.. Maximum 43 నుండి 45 లక్షలు రావొచ్చు.. నాకు PMAY scheme కింద 2 లక్షల వరకు వచ్చింది + నేను interest ని income tax కోసం చూపించా..
ఇపుడు ఇల్లు అమ్మితే నేను tax కట్టాల్సిన అవసరం ఉంటుందా లేక ఉండదా? PMAY scheme డబ్బులు + income tax కోసం చూపించిన interest tax benefit డబ్బులు return చెయ్యాలా? ఎపుడు అమ్మితే మంచిది..
దయచేసి చెప్పండి..
Dear sir,
No doubt you have been doing good for scociety,
I'm requesting Could you please make a video on how to save money smartly for future (best options to save and Consider from salary range also between 10k to 50k), and the best policy must have to support family members.
Permanent job unna vallu own house tisukovaali.
Job security leeni vaallu rent home lo untu, some Amt save cheyaali
Exactly
So what do you think about a SW engineer? That's not correct.. when you are confident that you are capable to get any job and lead your life then it is better to do investments
Well said madam
Permanent job unna entho mandi ....Valla sagam jivitham EMI katteki saripothadi akka ....most of the middle-class vallu ade kada chestunnaru
@@chaits4377 wellsaid
Sir for house i think you forgot depreciation sir... You considered only increment in value of property but if the house becomes old then the value of property gets depreciated sir. In that point i dont agree with you
Oh my god🙆♀️🙆♀️. First time dislike leni oka video chusaanu youtube loo. Thank you very much sir ilanti financial management videos chesi maa middle class vallaki knowledge gain chestunnaru.... 🙏🙏🙏🙏🙏
Awesome explanation sai garu ..epudu nundo e confusion lo unanu ..got clarity today ..thanks Sai garu
Thanks For the Detailed Explanation. i have question here on decision making. assume if we bought home our savings will be 1.41Cr and finally Home is ours. as you told flat will have depreciation at the same time Market value of the asset also grow since at the end of the period Net effect of approx 80 Lacs valued property will be in our hand . Total savings will be (1.41Cr+80 lacs). in the rental Eventhough with 8% return we will save 1.20 Cr and there is No property in our hand at the end. as you have told expecting 12% returns on Investment is High risk investment. There may be possibilities of Los of Investment Too. can you please consider these factors too in your calculation will give clarity on Decision Making. Thank you . correct me if i am wrong.
Thank you sir, I have been searching for this concept in many videos, still I couldn't get the clarification. Now, I understood and it makes more sense also, Appreciate the effort.👍🏻🔥
Thank you so much Chiranjeevi garu
Numbers are good but very difficult to implement , i had a very simlar argument when buying a car ( booking a cab vs own car). when i compared number buying a car is very bad idea & booking cabs is quite good. But in pratice own car really helped me.
true Sir, difficult to implement above plan.
Hii Sai pathri. Iam your employee from ICICI prudential. Shanker tallaplli. I feel happy after watching you after long time.
Sir u explained in good way like a imagination world investment will give gaurenty returns continuously 15yrs or 20ys can u answer and FLAT example kakunda individual house example ga teskoledu my brother frnd constructed 3 stares house 2 portions rent cover 60%emi pls don't give wrong statements
Mr. Sai, Seems like you have not considered Yearly Increment in the Rent, while doing the Investment Calculation. Please confirm!
Hi Aravind garu, you are smart. We don't want to confuse by considering all the parameters so kept it simple for common man understanding
Thank you soo much Sai garu, We are lucky to be a member of Money purse channel
Thanks and Most welcome Rajesh garu
అపార్ట్మెంట్ వాడు ఇచ్చే స్థలంలో బాత్రూమ్ కూడా కట్టలేం🤣బా చెప్పారు,
అంతా బాగుంది., కానీ అదే 10లక్షలతో సిటీకి 10km దూరంలో ఓ రెండు సెంట్లు ఇంటి స్థలం కొనుక్కోవడం ఉత్తమం. స్థలం రేటు ఎప్పుడూ పెరుగుతుంది., అపార్ట్మెంట్ లో ఫ్లాట్ కి తగ్గుతుంది.
సార్ థాంక్స్ ఫర్ ద వీడియో. మీరు అద్దె ఇంట్లో ఉంటే అడ్వాంటేజెస్ గురించి చెప్పారు. అందులో సెకండ్ పాయింట్ రెంట్ వర్సెస్ emi మరియు ఆఫీస్ దగ్గర్లో ఇల్లు. ఈ పాయింట్ ఇంతకు ముందు రోజుల్లో అడ్వాంటేజ్ కానీ ఈ రోజుల్లో కాదు. ఎగ్జాంపుల్ ఆఫీస్ కి దగ్గర్లో ఉంటుంది అని మణికొండ లో రెంట్ 20 నుండి 25 వేలు వరకు ఉంటుంది. కానీ ఇవే మొత్తాన్ని మనం emi కట్టుకుంటే ఫ్లాట్ కొనుక్కోవచ్చు. దీనిని కొంచెం వివరించగలరు.
I see apartment as a depreciation whereas individual house as an appreciation.
Hi santosh garu, even individual house has depreciation effect after few years. What is actually valued is the land under the individual house
@@MoneyPurse you can avoid the registration terms like Avirbhaavapu....anirdesapu....etc..for a house you have boundaries and you if you cant manage investments, you can build floors and start rental income. Apartment has a life say 50 yrs or 60 yrs...later to reconstruct...everyone incarnated as an engineer themselves..to swindle commission for reconstruction. It won't proceed. Reconstruction of apartment is tedious and every member has to approve...some may have and others may not. There is a definite risk. So I prefer individual house
Money Purse { మనీ పర్స్ } sir I want invest 30lacks for good interests please suggest me any idea thanks
@@Tata_Santosh yes plz suggest
Very informative
I was confused whether i need to take new flat or not. Now i understood. Thank you sir
Indirectly telling to invest.... Andaru investment chestey market sankalp nakutadi edaina demand based undali
I bought independent house in 2006 with 17 lakhs loan in Hyderabad and paid off in 2019...now the house worth is 2 cr.
Eh appartment sir adhi 45-55 lac ki konte 15 years tarwata 1.6 cr ayedhe antha huge growth undadu sir reality lo
First time 23 minutes skip cheyakunda chusa sir... Thank you for Ur info ❤️❤️
Thank you so much 🙂 Arif garu
@@MoneyPurse exlent sir advice
Sir kilpest India gurunchi oka video cheyandee pls
Meru chesta annaru chala days pls only one video
228 lo enter iyanu
Rented house lo undi, money save chesi 8 percent interest vasthe...daani meedha kuda tax kattali kadha...adhi miss ayinattu anipinchindhi ?
Kiran garu, I wanted to keep it simple so that everyone can understand , smart people like you can any day add those small things
Money Purse { మనీ పర్స్ } but small things like that change the math totally if you are considering tax savings on one side, shouldn’t you also consider the taxable income on another side ?
I think you have missed one main thing.i.e: while explaining rent calculation you have shown emi - rent as 22,722RS as constant.but this one also should vary.then you can tell buying new house is better than staying in rent..
సొంత ఇల్లు కొనాలి అంటే.. ముందు మనదగర..50% డబ్బు ఉండాలి.. లేకుంటే.. మొత్తం బ్యాంక్ లోన్ మీదా ఆధారపడితే.. అప్పులపాలై.. ఆ ఇల్లు అమ్ముకోవలి.. హ్యాపీ గా ఉండలేరు..
Sir
Namaste
Deep ga example tho explaine chesaru. thank you
Slowly explain chesthe baguntundi sir
This is the channel where I have subscribed on the first go 💪
Thanks Ajith garu
Ma kosam vochina finance devudu anna nv🙏
the best investment chanel in telugu...
18:26 , meeru ee calculation lo HRA dwara save chesina tax amount yendhuku add cheyaledu?
After watching this video i decided yo buy home with loan.. Because i am not smart to invest to get 12% ..and I will miss the feeling of own house for 15 years.. For that feeling there is no cost no price
This is video is good for any layman.. simple bhayya... House konte individual house Manchi residential area lo konandi, basti lallo kakunda... Flat ite paisalu full unte konandi, if not, invest on plots at your hometowna and inti pannu teskondi safe side..... Land meeda petindi Eppudu podu..... Pellalu ki atleast 7 years vachindaka invest on plots... Enduaknte .. sontha illu pilallu chinanppudu padu avvidi... And School ki dagarlo undochu rented home... EMI waste, liquid cash loose avtam...Eppudu pillalu pedda iyyaka plot konni tese illu konandi, less loan toh... Tension free untaru... Hyderabad is fast growing invest on realiable HMDA plots....
It was an awesome video, discussing abt peer pressure 🙏🏻🙏🏻, after seeing your videos on mutual fund series I felt bad because I ran out funds in investing equity, Because I bought two homes at a time and feeling emotional to sell the properties now, but this video is an eye opener to rethink abt sale
Yes Prabhakar garu, that is the biggest challenge for many families to handle
Same situation happened to me now
Sir ,u missed the logic, apartment cost never goes up,it always on depreciation mode...
not the one u have bought, he is referring to a newly built
great content,but we have to consider other expense like insurance(health+Life)+ some other expense
20k job wife
25k job husband
Idharu kalisi plan yesi ilu konaru
Monthly 22k emi
Ego tho pellam job poindi corona lo hus job poindi...emi kataleka yem cheyalo తెలియక చాలా ఇబ్బందులు పడ్తునారు
Income source gallo మేడలు ల ఉంటే రిస్క్ waste
Rented house best ఉన్నంత కాలం ఉంటాం తర్వాత అంత బాగుంటే సొంత ఇల్లు కొనుకుంటం
ఇది నా ఆలోచన
Very good and informative video... Can we invest on High Rise apartments with 6% annual growth since located at premium place and 2.5% rentals with escalation of 5% yearly.. or do you suggest any other better option for safe investment and monthly returns
Baga explain chesaru thank you sooomuch sir 👌👏👏😊
A right video at right time, I was planning to buy a house and this made me think. Thank you Sai garu, as always enlightening us with your knowledge
Most welcome Ravikumar garu and all the best
EMI lo flat tiskuni,registration ayina next day,watching this video🙄
Own is better madam ..we can live life peacefully....
You definately took better decision. No need to feel panic. In case we dont have a home loan EMI, we dont invest that whole amount as in savings for 12% gain. That's impossible.
@@sivasurampudi6037 thank you
@@saiyadav8955 yes
Rented house ki tax benefit undadu anta video lo calculation wise 11 lakhs.
Nenu house ela kattali ani alochisthu mbl chusthunnanu anthalopu me video kanipinchindi sir tq for ur excellent information , eppdu naku clarity vachindi house medha tq sir👏
There is a terminal benefit of land portion (UDS) for appartment which has permanent appreciation and you may not get in the rental house... whether that is considered? You should always buy atleast one home without doing any calculations as long the Appartments you're buying is not overvalued.
Actually for me, It's a boring topic Sir...
But your explaination made it very interesting...🤗🤗🤗
luv u Sir.keep doing more & more...👍
Thank you so much Sai Teja garu 😀
Sir, we also need to consider HRA gain when staying in a rented house right?
Are u a free fire player
Mana sonthillu ni rent ki ichi manam bayta unapdu, akada HRA gain chesnapdu , bayta intlo undadanki malli HRA loss kuda ainatte ga. So based on that Sir's calculation is still correct only. Unless and until edho chinna intlo unte thapiste. but generally 10K+ rent is minimum in hyderabad for 2BHK, parents tho kalisi unte 3BHK apdu 16K+ aipodhi, valu vere intlo unna anthe 7K+ rent valaki seperate ga katalsi untadi.,if they're dependent on you.
Okay your point may come into picture if we're living in a house with less HRA loss , than HRA gain we're getting for those 15 years.
But entha aina aa 5K Save chesindi per month invest cheste ganaka, almost covers up or Either falls less only than Scenario 2 explained in the video.
But thing entante idhoka idea kosame video, so that illu konadam kakunda vere option chupincharu.
General ga Real Estate andlo chupinchdankante ekva cost avochu manam konna place lo after 15 years, or Thakva kuda loss aye chances kuda unai. Kani ammalani guarantee ledu,unless and until manak financial problems unte.
Andke,
Manam aa 5 points satisfy aite konali antunaru.
Illu koni tarvata appula paalu avodhanu, EMI pressures lo padi ani.
First life baga bathkadanki kavalsina basic necessities ki money undela chuskovali, Children education, vatiki pettela undali.
Wowww such a informative video I have seen today. Thanks for making my day
My pleasure 😊 Eswar garu
Also plz answer this. loan repayment tenure full ga consider cheyali kada calculator lo. If tenure is 15yrs but full repayment done in 7yrs, can we use this option in calculator? Many kudos for your effort on this topic...most useful
Sir excellent explanation... 🙏🙏🙏🙏 You are helping to take good decisions in life and really savings lot of people money... God will help you to have an excellent growth 🙏🙏
Thank you Nagendra garu
Buying home is difficult forward a son but living together with wife nd mom is moreee difficulty..🤣🤣
😂😂😂😂😆😆
🤣🤣🤣🤣🤣
Pacchi Nijam 😭
@@omspiritualsecrets9673 Experience Aa😂😂😂😂
This is informative, one factor guys.. As mentioned in the video, first identify the need to invest in home and secondly whenever we invest in Housing sector ensure that we pump at least 50% in Liquidity(like for 50 lakhs home you need to have 25 Lakhs minimum), feed these values and the equation would entirely be different.. Investing in corpus to gain returns is not everyone's cup of tea, so those are subjected to our risk taking capabilities.. hope this helps
Nenu
Sir you have given great insights about when and where to invest.but no one explains what is good time to exit..kindly make a video on this
Sure Vinayak garu
@@MoneyPurse Sir , you have not said about the LTCG tax and the tax on the total gains .
@@raj-999 Man for the efforts that he puts in to make us aware of financial investments & other finance related advices r remarkably unprecedented. I believe we should respect his knowledge & should reward him with a considerable monetary deeds as a token of appreciation for his beautiful priceless advices.
@@MoneyPurse Man for the efforts that you put in to make us aware of financial investments & other finance related stuff r remarkably unprecedented. Take a bow sir one day I would definitely consult you for your valuable suggestions. I would pay you back though....😉 really appreciated your work....🙏
Me effort nachote like cheyamannaru.asalu nachakunda ela untundi sir inta clarity ga mem kastapadakunda easy ga chala knowledge share chesaru.100000likes meku.
I bought an aprtment in 2010 @ 30 lack and now in 2022 my same flat my neighbour sold it for 1crore 20 lack ,
Rent kate kante EMI better kadha, lost ki a house manadhi avuthundhi kadha, rent eni year kati na mandhi kadhu kadha
So please watch it again..
Meeru save chese amount tho meeru kotha ille konachu ani chepparu.. and it's proven..
Simple - rent enta ostadi. Chuttu rich people a? Middle class a or poor people unnara ?
Rate perukutada ?
Appu chesi house konavadhu... Land thiskonte better.. Ammithe double rate vasthundi.. Ha money tho house thiskovachu... No EMI.. No problems
Appudu house rate kuda peruguthundi kadandi.
Yearly house old ayyi konchem value taggutundi kada
@@mahesh667 house rate perguthadi.. But loan undadhu kada bro.. Manchi rate vasthe Land ammochu..but appu chesi konna house ammalemu bro.. Ma house 25lac thiskunna.. Now
40 lac value..but ammalemu. Due to some problems na income Source thaggindi..
EMI kattaleka chasthunna
Wrong move..appu chesi land konte rate taggide aa lopula interest double avtundi bro..apudu konna land unna polam or savings anni gana bhajana
చాలా clear గా చెప్పారండి.. thanks 🙏🙏
Very clean and good explanation team 👍.
How can I download the Excel calculator for my calculations?