Very useful information.. from my personal experience correct analysis.. I have taken home loan in both fixed interest and floating.. though without knowing at that time (but each time it helped me.. wrt this analysis) and each time I closed in and around 10 yrs.. But one area where I lost money is when bank pushed me to take a life insurance policy along with it to cover this loan for a tenure of 20 years.. ideally I should have taken one large term insurance to cover my entire earning years to support my family irrespective of loan amount.. what’s your take on that?
No banks offer fixed interest rate for more than 5 year. This video is like reading a text book. Only a person who has applied for bank loans will be able to explain better .
Good. That is the right decision. Talk to the bank for maximum discount. Also ask them whether it is actually 'fixed' or there will be any periodic increments.
Hi Arun Just 1 doubt Which will be better? Taking Home Loan for Flat or Taking for Individual House Staying in Bangalore, there Individual House rates are too high Affordable is Flat only But there is 1 thing that like individual house, Flat will not be a good investment since flat rate decreases and flat will be destroyed after a very long period So kids also dont have use in that Please suggest Should people for individual house for bery high rates as savings Or just take flat for our own things rather than seeing as an investment
I would say, it is a personal choice. In Delhi & Mumbai, a common man cannot afford an individual house now. Soon Bangalore will become like that. To accomodate the ever increasing population, flats are the practical solution. There won't be enough land left for residential purpose. So we need to utilise the vertical space. So I would prefer buying a flat in a city where I get all the facilities close to me, rather than having an individual house in an outer region where I can afford it. Then, home is our basic need. So don't think of it as an investment. It is an inevitable expense. About passing your home to kids: Let's hope the kids will be capable of buying their own house when they are adults.
ഞാൻ ഒരു NRI (Brunei 🇧🇳) ആണ് നാട്ടിൽ SBI- NRI A/C ഉണ്ട്. നാട്ടിൽ ഒരു വീട് പണിയാൻ 5 സെൻ്റ് സ്ഥലം വങ്ങിച്ചയിരുന്. ഇപ്പൊ ഞാൻ SBI ൽ HOME LOAN ന് apply ചെയ്തു എല്ലാം ok ആണ്. പക്ഷേ സ്ഥലത്തിന് പട്ടയം ഇല്ലെന്ന കാരണത്താൽ അത് മുടങ്ങി കിടകുവന്ന് പട്ടയം ഉണ്ടാക്കാൻ ഇനി കുറെ നാളുകൾ പിടിക്കും. അതിനാൽ പെട്ടെന്ന് loan കിട്ടാൻ SBI NRI a/c transaction കാണിച്ച് വേറെ ബാങ്ക് വഴി പട്ടയം ഇലാതെ കിട്ടാൻ ചാൻസ് ഉണ്ടോ? ഉണ്ടേൽ ഏതൊക്കെ ബാങ്ക് കുകൾ ആണ്. ഒന്ന് പറഞ്ഞു തരവോ..?
Documents ഇല്ലാത്തത് കാരണം ലോൺ കിട്ടാൻ പ്രയാസം വരുമ്പോൾ ബദൽ മാർഗങ്ങൾ തേടുന്നതിൽ ഒരു അപകടം ഉണ്ട്. മറ്റൊരു ബാങ്കിൽ നിന്നും ലോൺ എടുത്ത് വീട് പണി തുടങ്ങുമ്പോൾ ഈ പട്ടയത്തിന്റെ പേരിൽ എന്തെങ്കിലും കേസ് വന്ന് വീട് പണി മുടങ്ങി എന്ന് കരുതുക. അപ്പോൾ നമുക്ക് വീടും ഉണ്ടാവില്ല അതുവരെ എടുത്ത ലോൺ തിരിച്ച് അടക്കേണ്ടിയും വരും. എല്ലാം ശരിയാക്കിയ ശേഷം വീട് പണി തുടങ്ങിയാൽ മതി എന്നാണ് എന്റെ അഭിപ്രായം.
Current Repo rate: 4% Now home loan interest is as low as 6%. So check with atlest 5 banks and choose the one with lowest interest. Bank will give loan for a salaried person easily.
@@njanarun I talk to some banks & the interest rates slightly varies 6.5 , 6.8 all are below 7. AND yesterday axis Bank's home loan interest rate is now 6.7 (floating) so shall I proceed with that rate ? Is this is a best option ?
@@njanarun Yeah, but some eligiblity issues regarding with my salary are there, My requirement amount is had to get with this rate of intrst. 6.7 is it good ?
Arun bro, oru doubt. Suppose njn ipo fixed interest home loan eduthitu, EMI + extra amount or 3 lakh adakumbo, aa paranja 2-3% fees edakumo?? SBI edukananu udesham. Salaried anu. Also, floating il edutha loan future il fixed il mattan pattumo?? Pls help us ❤
കാര്യങ്ങൾ വളരെ വ്യക്തമായും ലളിതമായും അവതരിപ്പിയ്ക്കുന്ന താങ്കൾക്ക് വളരെ നന്ദി.
Thank you 😊
Very useful information with great presentation... thanks for sharing
Well explained.. So many are unaware of this, great job.
Very helpful sir
Nice video...Nalla presentation...
Really explained very well
Thanks for sharing
Informative information 👌🏻 well explained 👏🏻
Great job bro....amazing ...🤟💯 Very helpful.
Well Explained ... Thanks For Sharing....
നല്ല വിവരണം
Good and informative video.Thanks for sharing
അടിപൊളിയായിട്ടുണ്ട്
Informative arun 👍👍👍
Useful video
nice video ..good information
A very informative for All who dreams of a house and wants a Guidance.....
Simple language and Terminology explained in simple local Terms.....
Thanks brother
Really explained very well
Nice sharing!!! Thanks
Excellent presentation
Thank you so much for sharing
പ്പോ p
Informative video 👍🏻
Dear Arunbro, Lic housing finance ഉം മുൻനിര ബാങ്കുകളും തമ്മിലുള്ള home loan comparison video ഒന്നു ചെയ്യാമോ. പ്രതീക്ഷിക്കുന്നു
Interested topic
Nice presentation....
Well explain
Good information
Good information.
Good presentation
Great info
good presentatin
Good sharing 👍
Nice sharing
Excellent presentation 👍
Nalla avatharanam
Very useful information.. from my personal experience correct analysis.. I have taken home loan in both fixed interest and floating.. though without knowing at that time (but each time it helped me.. wrt this analysis) and each time I closed in and around 10 yrs..
But one area where I lost money is when bank pushed me to take a life insurance policy along with it to cover this loan for a tenure of 20 years.. ideally I should have taken one large term insurance to cover my entire earning years to support my family irrespective of loan amount.. what’s your take on that?
No banks offer fixed interest rate for more than 5 year.
This video is like reading a text book.
Only a person who has applied for bank loans will be able to explain better .
Exactly.
My intention was to share the information, not the personal experience.
Very good information 🤠
Glad it was helpful!
Informative
Nice
Very informative thank you 👍👍
Really helpfull Mr. Arun👍👍
Glad to hear that
Anyone comment us your good and bad about, SBI fixed and floating Homeloan experience
Very good presentation
Thanks a lot
Good
Useful
Floating interest il loan thirichu adakumbol interest and principal amount cherthanno adakendathu atho loan amount maatramano
Good 🔥🔥
Tnx bro
കാർ ലോണിനെ പറ്റി ഒരു വീഡിയോ ഇടുമോ?
Usful 👍👍
നൈസ് വിഡിയോ.😍
ട്രഷറി fd യെ പറ്റി ഒരു വീഡിയോ ചെയ്യാമോ
Eppol lone PNB housing finance anu 10.5 aaanu intrest mattan valla vazhiyundo njan
ബാങ്കിൽ സംസാരിച്ചു നോക്കൂ. അവർക്ക് പലിശ കുറച്ചു തരാൻ കഴിയും.
Loan take over by another bank
Fixed
Im taking after this lockdown.
Good. That is the right decision. Talk to the bank for maximum discount.
Also ask them whether it is actually 'fixed' or there will be any periodic increments.
@@njanarun sure 👍🏾
Sir eppo athanu nallatu govt job salary aanu bank fixed 8% parayunnu
Bro, currently, which one is better Floating or Fixed. I am planning to take a home loan for 35L.
Which one is good for at the moment
ipol ee corona time il fixed interest
allae nallatuu
ipol 6.7% ullu ini interest rates kuraayan chance undakumoo
please reply
Chetta njan ippol homeloan edukkuva central bank floating aano atho fixed aano better pls rply chetta
SBI fixed interest il
Loan available alla enu
Parayunnu.
👏🏼👏🏼👍🏼
Hi Arun
Just 1 doubt
Which will be better? Taking Home Loan for Flat or Taking for Individual House
Staying in Bangalore, there Individual House rates are too high
Affordable is Flat only
But there is 1 thing that like individual house, Flat will not be a good investment since flat rate decreases and flat will be destroyed after a very long period
So kids also dont have use in that
Please suggest
Should people for individual house for bery high rates as savings
Or just take flat for our own things rather than seeing as an investment
I would say, it is a personal choice. In Delhi & Mumbai, a common man cannot afford an individual house now. Soon Bangalore will become like that. To accomodate the ever increasing population, flats are the practical solution. There won't be enough land left for residential purpose. So we need to utilise the vertical space. So I would prefer buying a flat in a city where I get all the facilities close to me, rather than having an individual house in an outer region where I can afford it.
Then, home is our basic need. So don't think of it as an investment. It is an inevitable expense.
About passing your home to kids: Let's hope the kids will be capable of buying their own house when they are adults.
How to check RBI repo rate
😊
Nunaparayathepoda
👍👍
👍
Where can we get fixed interest housing loan?
Onnum manasilayila chatto
Loan thudangyapol floating eduthal pinneed maatan patumo
Bro great information., 👍
😊😊
..co.opertive bank nte interest rate onnu prayamo...sir
Exact rate അറിയില്ല. Please contact the bank.
ഞാൻ ഒരു NRI (Brunei 🇧🇳) ആണ് നാട്ടിൽ SBI- NRI A/C ഉണ്ട്. നാട്ടിൽ ഒരു വീട് പണിയാൻ 5 സെൻ്റ് സ്ഥലം വങ്ങിച്ചയിരുന്. ഇപ്പൊ ഞാൻ SBI ൽ HOME LOAN ന് apply ചെയ്തു എല്ലാം ok ആണ്. പക്ഷേ സ്ഥലത്തിന് പട്ടയം ഇല്ലെന്ന കാരണത്താൽ അത് മുടങ്ങി കിടകുവന്ന് പട്ടയം ഉണ്ടാക്കാൻ ഇനി കുറെ നാളുകൾ പിടിക്കും. അതിനാൽ പെട്ടെന്ന് loan കിട്ടാൻ SBI NRI a/c transaction കാണിച്ച് വേറെ ബാങ്ക് വഴി പട്ടയം ഇലാതെ കിട്ടാൻ ചാൻസ് ഉണ്ടോ? ഉണ്ടേൽ ഏതൊക്കെ ബാങ്ക് കുകൾ ആണ്. ഒന്ന് പറഞ്ഞു തരവോ..?
Documents ഇല്ലാത്തത് കാരണം ലോൺ കിട്ടാൻ പ്രയാസം വരുമ്പോൾ ബദൽ മാർഗങ്ങൾ തേടുന്നതിൽ ഒരു അപകടം ഉണ്ട്. മറ്റൊരു ബാങ്കിൽ നിന്നും ലോൺ എടുത്ത് വീട് പണി തുടങ്ങുമ്പോൾ ഈ പട്ടയത്തിന്റെ പേരിൽ എന്തെങ്കിലും കേസ് വന്ന് വീട് പണി മുടങ്ങി എന്ന് കരുതുക. അപ്പോൾ നമുക്ക് വീടും ഉണ്ടാവില്ല അതുവരെ എടുത്ത ലോൺ തിരിച്ച് അടക്കേണ്ടിയും വരും.
എല്ലാം ശരിയാക്കിയ ശേഷം വീട് പണി തുടങ്ങിയാൽ മതി എന്നാണ് എന്റെ അഭിപ്രായം.
നികുതി അടച രസീതും രേഖയും 62 വരെ ഉള്ള അടിരേഖയും എല്ലാം ഉണ്ട്. ചില ബാങ്ക് ൽ പട്ടയം ആവശ്യം ഇല്ലെന്ന് പറഞ്ഞു . അതാ ചോദിച്ചത്..thank you
@@korankoran2778
Contact private banks. Like hdfc etc.
Epolate fixed interest rates etraya average
6 - 7
🙏🙏🙏
Home lone alla property lone aanu
What is the current reppo rate brother ? I am planning to take a home loan now, I am a monthly salaried person so what would be the best option ?
Current Repo rate: 4%
Now home loan interest is as low as 6%. So check with atlest 5 banks and choose the one with lowest interest. Bank will give loan for a salaried person easily.
@@njanarun I talk to some banks & the interest rates slightly varies 6.5 , 6.8 all are below 7. AND yesterday axis Bank's home loan interest rate is now 6.7 (floating) so shall I proceed with that rate ? Is this is a best option ?
@@arunkmadhu371 6.5 is good
@@njanarun Yeah, but some eligiblity issues regarding with my salary are there, My requirement amount is had to get with this rate of intrst. 6.7 is it good ?
@@arunkmadhu371 yes. That is also good. Go for it
👍🙏
🙂
Arun bro, oru doubt. Suppose njn ipo fixed interest home loan eduthitu, EMI + extra amount or 3 lakh adakumbo, aa paranja 2-3% fees edakumo??
SBI edukananu udesham. Salaried anu.
Also, floating il edutha loan future il fixed il mattan pattumo?? Pls help us ❤
5 varshamaya loan ipozhathe interest aakkan enthu cheyyanam?
Please request this to your bank manager
Loan takeover to another bank with lower interest.
Nice
👌👌🌹👍👍🥕🥕
നല്ല വിവരണം
Informative video.
Useful video..super
Good information
Good sharing 👍
Helpful video
Good presentation
supper
Useful information
Useful information
Good information 👍🏿
👍🏻