Aap ne kaafi bohut important baat to batai he nahi, 1) are banks really honest to reduce intrest rates in floating Int.R when the rates actually come down, 2) what is the frequency of changing interest rates by bank 3) let's take example of 30Lakh loan for 20 years and work on calculations of this example
I took loan of 50 lacs,at 9 interest rate, for 24 years,the building is under development, as per requirement builder will ask for money, emi wld be 8500 per month till possession 2026, then it wld be 44000, next month I have to give 10 lakh through loan, now when to do prepayment.....
Very informative video. In this Covid situation should I opt for fixed loan? I am confuse between NBFC and normal bank can you please suggest? I am looking to buy my 1st house
Hello Sir... Maine Bajaj Finserv se Rural Personal Loan liya hai Loan Amount: 70,000.00 ROI: 25.00% Interest Rate Type: Fixed Tenure: 36 Month EMI: 3,403.00 Ye Detail Statement se li hai Lekin is hisab se 3403 X 36 = 1,22,508 ROI: 40.86% Hota hai... Kya aap muze Bajaj Finserv ki calculation Samaja sakte hai? Please Help me... Thanks...
Bajaj Finserv ne ye calculation email ki hai Please find below detailed Interest calculation for your reference Rate Of Interest(Flat)% -> 25%Yearly interest on loan amountLoan amount * Flat ROI / 100 -> 70,000 * 25 /100 -> Rs. 175003 years interestYearly interest * Tenure (In Years) -> Rs. 17,500 * 3 -> Rs. 52,500/-EMI amountyears interest + loan amount / tenure (In Months) -> Rs. 52,500+70000/36 -> Rs. 3,403/- Your reducing rate interest amount paid 40.8615% for 3 years(36 motnhs) will be equivalent to your flat interest rate 25%, please find attached Repayment schedule for your reference. Please refer the total interest amount paid at the end of your loan tenure You can refer the same in your statement of account sent every month to you on your registered email ID . Please find attached the same for your reference. For any further clarifications write to us at wecare@bajajfinserv.in. Bajaj Finserv assures you its best service, always. Yours sincerely, Grievance Redressal Team Bajaj Finserv Ltd. 
Mukul, Home loan I have option of home loan for 15 years and 25 years. And eventually, I will repay my loan with extra money in every two or one year with lump sum amount along with monthly installments. I need to talk to you..
Jb rate floating hai to Tenure par effect nhi ana chahiye. Jb bank EMI increase kr rhi hai to tenure kyo change kregi. Bank ek hi jagah se paisa wasool sakti hai.
But if we want to prepay our loan and inflation is at bottom.. bank will charge 2% for fixed interest rate... So wouldn't it b better to take floating rates at that time .. ?? If initially I want a small emi due to less income... But I am sure that I will pay a 10 years loan in 3 to 4 years... Due to increase in income.... What to do...??
@@AssetYogi sir I'm a railway employee with sbi salary package account. I got a call from sbi customer care regarding home loan. They are saying you are eligible for 100% home loan if u go for land+construction and processing is nil. Is it possible? Can we take/claim home loan including registration charges?
Sir mein March'19 homeloan liya 8.65% floating mein but abhi 8.35% chal raha hein.but Bank manager bol raha hein EMI kom nahi hoga tumahara tenure kom ho jaye ga. A ka sahi hein..please suggest me?
Sir mera home loan floating hai air PNBHFL se hai aur Abhi uska ROI 11.2 % hai maine PNBHFL ko mail kiya to unhone bola ki apka 10.3 ho jayega aur 2500 Rs lagega lekin abhi to 8.5 % bhi mil raha hai aur mere CIBIL score bhi 799 hai.
Thank you sir.... Your video is really helpful.... Sir eisa kya koyi limit hay ke floating interest rate me... Ke aaj app ne 12.15%rate pe loan liya to agar interest rate barta hay in future to rate kitna taak jaa sakta hay matlab rate kitna up down ho sakta hay??? Please answer me sir.... This is important to me
Am thinking about a HL from SBI , they offering floting intrest .there is a chance of increase in interest rate in future . Am scared what to do next ??
Sir jai hind मैंने हिमाचल ग्रामीण बैंक HP से 14लाख पर fix house loan 10-30%पर लिया है 12 साल के लिए अब मैं फ्लोटिंग ले लूं कृपया guide me लेकिन बैंक आनाकानी कर रहा है मैं क्या करूँ।यह लोन मैंने 2015 में लिया था।
In Fixed interested rate pre payment will attract penalty. Does it means. If I pay 5 lc in one month & my emi is 59k per month. I will be charged extra ?
Sir,, my princile amount in March month was 8,89450. But on June 1st it is showing 8,92,264 after paying monthly interest of 7500..why this my principle amount got increased...can u help me out with this
Bank Wale jab intrest rate floating hi dete hai jab intrest rate kam ho aur fixed dete hain jab rate high ho khaskhar sbi Wale customer nki sunte hi nahi hai
Sir kindly suggest me aj market me home loan 8.55 floating rate pr mil rha h to aj ki date me muje agr 30 lakh ka home loan 20-25 yr k liye lena ho to fix intrest rate rakhna shi hoga ya floating..
Bhai floating interest lo ..beech beech me extra money daaalte rehna prepayment karte rehna..koi penalty nhi lagegi..fixed interest lene me prepayment nhi kar sakte penalty lagti hai.. prepayment karne se loan exponentially Kam ho jata hai
Sir mene 2013 me fix interest rate per 20 years ke liye homeloan shuru kiya tha.ab es time kya mujhe fix se floting per switch ker lena chahiye ya nehi pl.butaiye.
i have taken loan in LIC HFL its been 2 years completed so the loan interest changed from fixed to floating interest rate. So the monthly EMI amount paid by me earlier now got increased.. iam paying 4k more after floating started.. now i want my EMI to be same as previous amount in floating interest rate.......but the LIC people told only the tenure can be changed not the EMI monthly......they are telling PLR - SOME DISCOUNT=FLOATING INTEREST. Means i should pay the same EMI every month or EMI will change for every month......????
Sir mere loan me abhi switch fee leke fix intereste rate kiya hai pehle intrest floting 14% tha and abhi 10% fix intrest hai to muze kuch samj nahi aa raha ki ye accha ye ya nahi tenure baki hai 6 saal please help loan amount pending hai 1200000 20/01/2023 tak abhi last month me
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Aap ne kaafi bohut important baat to batai he nahi, 1) are banks really honest to reduce intrest rates in floating Int.R when the rates actually come down, 2) what is the frequency of changing interest rates by bank 3) let's take example of 30Lakh loan for 20 years and work on calculations of this example
I was not aware about change in tenure to do adjustments in floating.. Thank you so much for sharing such informative facts
Dear sir, as today's condition which interest rate you suggest ? Floating /Fix???
Easy to understand for even a layman 👍🏼 Thank you
well explained sir. Apne to pura concept hi clear kar diya. Very good work done
Keep learning Vijay :)
Very nice information Malik shab, aap bhoot hi usefully or Bariki se jankari dete ho, thanks
Dhanyawad Naveen :)
Great video Sir, explained without manipulation
Really good and informative video .Thanks !
Well explained topic , now completely clear.
this year it's totally opposite.. inflation at high market at crash .but still rates are increased..
It's very important and interesting video..
Thanks Sir
Most welcome
Thank you so much for your helpful information,sir I want car loan please suggest me which will best fixed or floating
Thanks sir for your valuable inputs.
Pls if possible make a fresh video on different types of home loan.
Hi Mukul.. Is there benefit today to move home loan from floating to fixed
I took loan of 50 lacs,at 9 interest rate, for 24 years,the building is under development, as per requirement builder will ask for money, emi wld be 8500 per month till possession 2026, then it wld be 44000, next month I have to give 10 lakh through loan, now when to do prepayment.....
Good explanation bro even non accounts student can also understand thank u
Keep Supporting :)
@@AssetYogi sir now which is best please suggest me
Thanku very much Sir For This Information 🙏🏻
Please explain me about Floating Reference Rate for Mortgage Loan with home loan.
Very good economic explanation chart very good
Thanks buddy for information
According to oct 2022 yahi lagta hai ki 2021 me interest rate 6.75 ke aas pas tha sabko fixed Lena chaiye tha
I planning to took loans in few days which one is good this time Fixed rate OR Floating .
Please Respond
In 2023 which is better fixed or floating? PLEASE SUGGEST
Always floating
Sir...2021 me konsa choose krna chahy option..floating or fixed??
Floating interest rate is a Deadly trap by the banks... Never fall for it... Better go for fixed interest rate even if the interest rate is high
At present i.e in October, 2022, which one is better
Floating always
Hii ...can u suggest which is better as per March 2023
Very informative video. In this Covid situation should I opt for fixed loan? I am confuse between NBFC and normal bank can you please suggest?
I am looking to buy my 1st house
I have same question for new home loan today.
Always get loan from banks. NBFC have higher charges.
Thanks sir, but market for casting is too much malfunctioning for now, and critical to take decisions according.
Hello Sir...
Maine Bajaj Finserv se Rural Personal Loan liya hai
Loan Amount: 70,000.00
ROI: 25.00%
Interest Rate Type: Fixed
Tenure: 36 Month
EMI: 3,403.00
Ye Detail Statement se li hai
Lekin is hisab se
3403 X 36 = 1,22,508
ROI: 40.86%
Hota hai...
Kya aap muze Bajaj Finserv ki calculation Samaja sakte hai?
Please Help me...
Thanks...
70,000 ke loan pe 25% interest 36 months ke liye EMI 2783 banti hai. Aap ek baar company mein baat karein.
flat interest bol rahe hai....
Bajaj Finserv ne ye calculation email ki hai
Please find below detailed Interest calculation for your reference
Rate Of Interest(Flat)% -> 25%Yearly interest on loan amountLoan amount * Flat ROI / 100 -> 70,000 * 25 /100 -> Rs. 175003 years interestYearly interest * Tenure (In Years) -> Rs. 17,500 * 3 -> Rs. 52,500/-EMI amountyears interest + loan amount / tenure (In Months) -> Rs. 52,500+70000/36 -> Rs. 3,403/-
Your reducing rate interest amount paid 40.8615% for 3 years(36 motnhs) will be equivalent to your flat interest rate 25%, please find attached Repayment schedule for your reference. Please refer the total interest amount paid at the end of your loan tenure
You can refer the same in your statement of account sent every month to you on your registered email ID . Please find attached the same for your reference.
For any further clarifications write to us at wecare@bajajfinserv.in.
Bajaj Finserv assures you its best service, always.
Yours sincerely,
Grievance Redressal Team
Bajaj Finserv Ltd.

2023 me fixed interest lena chayiye ya Floating...?
Always floating
Floating rate of interest lenne ke 1 saal baad bhi change kar sakte hai fixed me?
Many many thanks for valuable information
Keep learning 😊
please make the video on flat interest rate and reducing interest rete and please show the comparison of flat and reducing interest rate
Topic noted.
Mukul,
Home loan
I have option of home loan for 15 years and 25 years.
And eventually, I will repay my loan with extra money in every two or one year with lump sum amount along with monthly installments.
I need to talk to you..
Jb rate floating hai to
Tenure par effect nhi ana chahiye. Jb bank EMI increase kr rhi hai to tenure kyo change kregi.
Bank ek hi jagah se paisa wasool sakti hai.
Nic vido sir👌, which is bettr for 2022.
Sir, mujhe new housing loan lena hai to aaj ki date main konsa loan lena chahiye, fixed ya floating .
So in these times fixed interest rate should be taken as inflation has just started rising Kindly suggest
Absolutely not.
Hi Mukul ji, what is your perception about interest rates of home loans in near future, will it increase Or decrease?
I have never seen a Floating interest rate reduce, it always float upwards weather its good times or bad
But if we want to prepay our loan and inflation is at bottom.. bank will charge 2% for fixed interest rate... So wouldn't it b better to take floating rates at that time .. ?? If initially I want a small emi due to less income... But I am sure that I will pay a 10 years loan in 3 to 4 years... Due to increase in income.... What to do...??
Super explanation. Very informative video.thankyou sir..
Thanks 😊
@@AssetYogi sir I'm a railway employee with sbi salary package account. I got a call from sbi customer care regarding home loan. They are saying you are eligible for 100% home loan if u go for land+construction and processing is nil. Is it possible? Can we take/claim home loan including registration charges?
Sir current market condition k hisab se fixed better h ya floating?
Floating most common
Hello, Please suggest fixed or floating rate for CAR LOAN in 2023
Floating rate always
@@AssetYogi Thanks Sir, My tenure will be 5 years and I may close it early
Can I pl suggest considering present situation whether one should go for fix interest rate or fluctuating?
Expeditetools,com helped me financially .All thanks to them i got a transfer of $30,000 directly to my account .
Sir mein March'19 homeloan liya 8.65% floating mein but abhi 8.35% chal raha hein.but Bank manager bol raha hein EMI kom nahi hoga tumahara tenure kom ho jaye ga. A ka sahi hein..please suggest me?
Aisa hi hota h but aapko fayada h utna kam b toh dena hoga n tenure k Hissab se
very nice video thanks
Thanks Sukhwinder.
Very informative video. Clarified all my doubts 🙂
I want 40 lacs loan.. Bought a new flat.. So going with hdfc. Should I take floating or fixed. Kindly assist
Floating rate is offered mostly
Really helpful. Thank you Mukul!! One small question - Is there a possibility to negotiate fixed interest rates with banks?
No.
@@AssetYogi Thanks!
In 2020 which is better fixed or floating??
Sir mera home loan floating hai air PNBHFL se hai aur Abhi uska ROI 11.2 % hai maine PNBHFL ko mail kiya to unhone bola ki apka 10.3 ho jayega aur 2500 Rs lagega lekin abhi to 8.5 % bhi mil raha hai aur mere CIBIL score bhi 799 hai.
Aapne kitne percentage par Liya tha bhaiya home loan or kitne deen me bda tha or kaise kiya or ab kitna hai
Very informative
2024 floating or fixed home loan? please suggest me.
Good job sir...👍
Keep watching
Aaj k scenerio me floating lena chahiye ya fixed?
Floating rate anytime
Can a bank by law charge a fixed interest penalty of 2 percent?
Diff. Reducing n flate rate of interest plz make video
Hi mukul
I need suggestion..
Thanku
Hope it's helpful
Thank you sir.... Your video is really helpful.... Sir eisa kya koyi limit hay ke floating interest rate me... Ke aaj app ne 12.15%rate pe loan liya to agar interest rate barta hay in future to rate kitna taak jaa sakta hay matlab rate kitna up down ho sakta hay??? Please answer me sir.... This is important to me
Hallo sir,, kya intres rate agar kam hote hai to kya EMI kam ho sakti hai??? Krupya bataye sir,
Interest rate calculated in principal or outstanding balance monthwise
Sir current scenario ko deke to abhi floting intrest rate lena chahiye ya Fixed help me.
Am thinking about a HL from SBI , they offering floting intrest .there is a chance of increase in interest rate in future . Am scared what to do next ??
Fix
LICHFL me floating system me interest rate yadi automatic km hota hai to bhi interest rate km krne k liye extra charge dena padta hai..
Sir jai hind मैंने हिमाचल ग्रामीण बैंक HP से 14लाख पर fix house loan 10-30%पर लिया है 12 साल के लिए अब मैं फ्लोटिंग ले लूं कृपया guide me लेकिन बैंक आनाकानी कर रहा है मैं क्या करूँ।यह लोन मैंने 2015 में लिया था।
Sir if private finance company pushing floating interest rate as per present so what can i take fixed or floating?
Should I change my loan to floating as of now
Can we still have the option to choose fixed and floating? Because banks have linked their home loan rates to repo and mclr, can you please tell ??
Abhi kya krna chaiye...After RBI update...Fixed ya floating ?
Aaj ki date September 2022 me kon sa Len fixed Intrest rate ya floating
Sir maine loan liya hai floating rate of interest liya hai 30 years ke liy but mujhe abhi loan tenure 15 year ka karna hai to ho jata hai kya
Sir same problem mera v h
All proved in your hand
Very impressive way of explanation sir thank you so much
Sir, jaise aajkal market ne home loan interest continue increase ho rha to abhi fixed ya floating interest le
Floating Interest always
In Fixed interested rate pre payment will attract penalty. Does it means.
If I pay 5 lc in one month & my emi is 59k per month. I will be charged extra ?
Really appreciable information.... thanks you
Thankyou :)
Excel me interest calculation part samjhaiye naa floating or fixed interest pe
Please do a latest video on the same topic.
Good information.......👍👍👍
Sir what is flat ROI and what is reducing ROI??
Sir,, my princile amount in March month was 8,89450. But on June 1st it is showing 8,92,264 after paying monthly interest of 7500..why this my principle amount got increased...can u help me out with this
Very good sir
Bank Wale jab intrest rate floating hi dete hai jab intrest rate kam ho aur fixed dete hain jab rate high ho khaskhar sbi Wale customer nki sunte hi nahi hai
Sir Aaj ki date me Market Crash hai but Infaltion High pe hai
to is situatio me kya prefer kare FLOATING or FIXED
Whatever the infromation you have provided this was new for me Thank you SO much ❤️
Thank you so much.
Sir kindly suggest me aj market me home loan 8.55 floating rate pr mil rha h to aj ki date me muje agr 30 lakh ka home loan 20-25 yr k liye lena ho to fix intrest rate rakhna shi hoga ya floating..
Bhai floating interest lo ..beech beech me extra money daaalte rehna prepayment karte rehna..koi penalty nhi lagegi..fixed interest lene me prepayment nhi kar sakte penalty lagti hai.. prepayment karne se loan exponentially Kam ho jata hai
Can I change my floating interests to fixed interests?
Sir please advise abhi current situation me fixed or fluctuating kaunsa best hai
Nice information
Thanks Mahesh 😊
Sir mene 2013 me fix interest rate per 20 years ke liye homeloan shuru kiya tha.ab es time kya mujhe fix se floting per switch ker lena chahiye ya nehi pl.butaiye.
Abhi home loan le raha hun sir kya karu fix intrest rate lu ya floting plz help me.
Reducing
2023 me abhi konsa rate lena chahiye,bataye
Always floating rate
@@AssetYogi thanks
Sir abhi kon sa Home loan Lena chahiye today
Could you please advise what will interest rate in current sinario
i have taken loan in LIC HFL its been 2 years completed so the loan interest changed from fixed to floating interest rate. So the monthly EMI amount paid by me earlier now got increased.. iam paying 4k more after floating started.. now i want my EMI to be same as previous amount in floating interest rate.......but the LIC people told only the tenure can be changed not the EMI monthly......they are telling PLR - SOME DISCOUNT=FLOATING INTEREST. Means i should pay the same EMI every month or EMI will change for every month......????
Sir 2023me fixed le ya floting
Always Floating
Thanks a lot sir... thanks
Thankyou sir
Sir mere loan me abhi switch fee leke fix intereste rate kiya hai pehle intrest floting 14% tha and abhi 10% fix intrest hai to muze kuch samj nahi aa raha ki ye accha ye ya nahi tenure baki hai 6 saal please help loan amount pending hai 1200000 20/01/2023 tak abhi last month me