Very good things in this video: 1. In Tamil. Useful to our people. 2. The pie diagram at the right side gives the demo nicely. 3. Link to download work sheet 4. Locking the formulae to avoid mistakes by viewers. Well thought out video. Congratulations. Keep your financial education to common people.👏👏
If possible, Please post videos regarding Loans etc. Do's and Don'ts which will educate many and play a big role in personal finance and restructuring their current loans etc. Just like you provide knowledge of taxation..
Sir, Your video was very easy to understand. Thanks for that., But anyhow we need to know the concept of how to calculate EMI, total interest paid, the total amount paid, etc. Now you have provided your excel sheet for easy calculation. But to improve our EMI concept still more practically, please share the formula used in excel for calculating the values. It will be more helpful if you add this as one short video.
I taught who will teach how to calculate EMI by manually. But you have done all process in computerised , it can even done EMI calculater app and websites.
The main idea is to show a break up of interest and principal in EMI. How it varies based on loan period. NO point in calculating manually right. And the online calculators doesnt show the breakup with in the EMI amount and its accrual
Sir, ஒவ்வொரு மாதமும், எவ்வளவு அசல், எவ்வளவு வட்டி என்பது எப்படி கழிக்கிறார்கள்? எத்தனை சதவீதம் அசல், எத்தனை சதவீதம் வட்டி, ஒவ்வொரு மாதமும் எந்த அடிப்படை யில் பிரிக்க படுகிறது என்பதை கூறுங்கள்.
There is tax levied on EMI by the government. This is ignored in the discussion. This tax component is not negligible. It is significantly high. This burden will be more if you go for short period EMI, especially very high for no cost EMI.
Bankers are too wise than us. They wont allow us to go by less tenure. Even if they accept, the loan amount is reduced drastically. You need money, you have to pay them the price. No other safer way out 😢
Bro I have loan no in icici how to check the status of it...loan was in my brother's account rbl bank 🏦 how to check the emi status and clear View of How much loan amount and Due date and Pending amount!! Please reply
Today we have Excel program. Once you master this everything is under your control. Set up formula and drag down as per months, all set up. It is easy to know where your loan EMI stands. Many years back, I happen to visit a Hire purchase Auto loan agency who put flat rate % low interest. Naturally it looks sweet but no fool will agree it is under low interest. When I asked him what is the real interest he it depends but just multiply it by 1.80 to 1.95 you get the real RBM reducing balance method which is the real interest in their books. In Excel you easily float the rate of interest to check it, a small correction will get +/- in the final EMI. Those time we issue post dated cheques. If you go to windup in the middle of term by repaying in one lumpsum then immediately their flat rate will become float rate and demand more principal.
நன்றி நண்பரே 👌 ஆனால் நான் ஒரு பத்தாயிரம் ரூபாய் லோன் எடுக்கிறேன் என்றால் அதில் நான் ஐந்து வருடம் கழித்து ஒரு ரெண்டு லட்சம் செழித்து விட்டால், என்றால் இஎம்ஐ கால்குலேஷன் கூறுங்கள்
sir,if we consider increasing inflation (rate of increase),the long tenure of EMI will be a profitable ie.comparing the rate of increase in the inflation with the rate of interest of the loan. if the increase in rate of inflation is higher than the rate of interest for the loan ,then comparatively profitable. and Vice versa.
Please pin My comment 📌 Guys google ah poitu EMI calculator nu type pannunga First la sample details irukkum athuku bathil unga details fill pannunga pothum Loan Amt fill pannunga, Interest evlo nu fill pannunga neenga vangura bank la, Ethana month EMI katta poringa nu type pannunga Avlothaa,
Bro. Very nice video. Suppose if I am getting a substantial amount and wish to reduce the loan amount after a period of some EMI payment,what are the best points I have to discuss with the financier.
Hi you are doing demo for fixed rate. But home loans ROI will change every quarter as per RBI. How to calculate that sir. Pls explain demo for varying ROI calculations for especially for home loans
Bro, can you please say how did you find the proprtion of amount spent on interest and principal paid i e in video EMI amt 13,215 how did you segregate 4882 towards principal and remaining towards interest? I like all your videos and thank you for sharing your knowledge in finance, and I had a learnt a lot from this channel
![ARGENTINA vs. PERÚ [1-0] | RESUMEN | ELIMINATORIAS SUDAMERICANAS | FECHA 12](http://i.ytimg.com/vi/xtI25ENDDSY/mqdefault.jpg)
ரொம்ப தெளிவா வகுப்பரையில படித்ததுபோல் இருந்தது சகோதரா நன்றி! வாழ்த்துக்கள்!!
Very good things in this video:
1. In Tamil. Useful to our people.
2. The pie diagram at the right side gives the demo nicely.
3. Link to download work sheet
4. Locking the formulae to avoid mistakes by viewers.
Well thought out video. Congratulations.
Keep your financial education to common people.👏👏
Formula pottu phone calculator la podunga Note la eluthi sollunga brother, yellaarum yen excel sheet la ye soldringa ? Onnum puriyala
அருமையான பதிவு, தெளிவான விளக்கம் நன்றி சகோ 🙏
மிக தெளிவான விளக்கம் அளித்துள்ளீர்கள் நன்றி வணக்கம்
மிகவும் எளிமையான விளக்கவுரையில் இருந்தது நன்றி 👏👏👏
Sir Inda formula Android calculator la podunge
ரொம்பவும் தெளிவான பதிவு. நன்றி.கிரெடிட் கார்டு பற்றி அறிய ஒரு வீடியோ தேவை.
Credit Card video - ruclips.net/video/P4A7e8ROQ7E/видео.html
மிக அருமையாக ,தெளிவாக சொன்னீங்க அண்ணா சூப்பர்.நன்றி அண்ணா
ரொம்ப தெளிவான வீடியோ இஎம்ஐ கால்குலேட்டர் எப்படி போடுவது என்று கொஞ்சம் சொல்லிக் கொடுத்தீங்கன்னா அதுவும் எங்களுக்கு பயனுள்ளதாக இருக்கும்
ஃபோன் கால்குலேட்டர் ல லோன் என்ற ஆப்சன் இருக்கும் பாருங்க.அதில் போட்டு பாருங்க சார்.Mi,poco mobile la varum
🎉 13:02 சூப்பர்.ஆனால்இஎம்ஐஉதாரணம்மாததவனைவட்டிஉதாரணம்கொடுக்கவம்
Thank you
Bro semaiya solli kuduthinga tq bro
Bro koottravu bank loans pathi details podunga
SUPERB SIR. THANKS FOR THE CLEAR EXPLANATIONS
PPF ku sonnapla idhu maasam ethanaam thedhikkul seluthinaal namakku aadhaayam sollunga boss. Andha ppf video semma 👌
Eno innum thagaval varla... Please
PPF if paid before 5th of every month, it is taken for interest calculation for that month
Superb explanation abt emi
Thank you sir. Nice video and nice excel sheet
Bro super 🎉. 👌. Thanks for the valuable information.
Fruitful information sir❤
Very good information, thank you.
If possible, Please post videos regarding Loans etc. Do's and Don'ts which will educate many and play a big role in personal finance and restructuring their current loans etc. Just like you provide knowledge of taxation..
Already posted about personal loans, emi calculation and credit cards
Sir, Your video was very easy to understand. Thanks for that., But anyhow we need to know the concept of how to calculate EMI, total interest paid, the total amount paid, etc. Now you have provided your excel sheet for easy calculation. But to improve our EMI concept still more practically, please share the formula used in excel for calculating the values. It will be more helpful if you add this as one short video.
It is already there in video bro. watch carefully. I have explained the formula
Very very useful information.Thanks
Super explanation..Thank you very much..
Very useful friends but normal calculator la solli kudunga
Very useful information sir. Thank you so much. 🙏🙏🙏🙏🙏👍👍👍👍👍💐💐💐💐💐
Super video thinks you soooooooo much like s.raja Chennai tn India 👌👌👌🙏🙏🙏👍👍👍
Nalla thagaval anna
Superb video. Good explanation
Very nice speech
Really informative video... 👏 👌 👍
நன்றி ஐயா
Superb
அருமை
Thanku so much for the excel.
Thank you thalaivaa👍
Super 👌clear explanation.
I taught who will teach how to calculate EMI by manually. But you have done all process in computerised , it can even done EMI calculater app and websites.
The main idea is to show a break up of interest and principal in EMI. How it varies based on loan period. NO point in calculating manually right. And the online calculators doesnt show the breakup with in the EMI amount and its accrual
Sir, ஒவ்வொரு மாதமும், எவ்வளவு அசல், எவ்வளவு வட்டி என்பது எப்படி கழிக்கிறார்கள்? எத்தனை சதவீதம் அசல், எத்தனை சதவீதம் வட்டி, ஒவ்வொரு மாதமும் எந்த அடிப்படை யில் பிரிக்க படுகிறது என்பதை கூறுங்கள்.
Atha sollavae illa...
Thanks bro....
nice video with good explanation.
Very useful sir
Very nice teaching
Really Very nice
sir
please do video on how to finish EMI so quick to save money
pl consider the trend of inflation,longer tenure may be profitable,I think.
Sir my credit card loan interest pathi konjam telivillamal iruku
Ada konjam solla mudiyuma
Credit cards - Things to know ruclips.net/video/P4A7e8ROQ7E/видео.html
Really helpful video..thank you..
There is tax levied on EMI by the government. This is ignored in the discussion. This tax component is not negligible. It is significantly high. This burden will be more if you go for short period EMI, especially very high for no cost EMI.
EXCEL SHEET IL MORTGAUGE TEMPLATE ULLATHU ATHI PAYANPADUTHI KOLLALAAM
Principal Paid and interest paid calculate pannuvathu yepadi
Good information tnq....
thank you for your explained.
Thank you sago
Mobile normal calculator poda mutiuma
Usefull
This method for all loan or few category
Bankers are too wise than us. They wont allow us to go by less tenure. Even if they accept, the loan amount is reduced drastically. You need money, you have to pay them the price. No other safer way out 😢
Bro I have loan no in icici how to check the status of it...loan was in my brother's account rbl bank 🏦 how to check the emi status and clear View of How much loan amount and Due date and Pending amount!! Please reply
Very informative brother 🙂👍
Nice sir very useful
Today we have Excel program. Once you master this everything is under your control.
Set up formula and drag down as per months, all set up. It is easy to know where your loan EMI stands.
Many years back, I happen to visit a Hire purchase Auto loan agency who put flat rate % low interest. Naturally it looks sweet but no fool will agree it is under low interest. When I asked him what is the real interest he it depends but just multiply it by 1.80 to 1.95 you get the real RBM reducing balance method which is the real interest in their books. In Excel you easily float the rate of interest to check it, a small correction will get +/- in the final EMI. Those time we issue post dated cheques. If you go to windup in the middle of term by repaying in one lumpsum then immediately their flat rate will become float rate and demand more principal.
Usefull thank you
நன்றி நண்பரே 👌
ஆனால் நான் ஒரு பத்தாயிரம் ரூபாய் லோன் எடுக்கிறேன் என்றால் அதில் நான் ஐந்து வருடம் கழித்து ஒரு ரெண்டு லட்சம் செழித்து விட்டால், என்றால் இஎம்ஐ கால்குலேஷன் கூறுங்கள்
Thanks for your info.
Nice explanation
Thank you sir ☺️
Hi , what is the difference between compound interest vs simple interest,, for 10L loan 7 yrs ,, how about HL 19 L for 20 yrs
Excellent
முதல் 3:40 நிமிடம் 😢😢😢 வேஸ்ட், 10, 20 வினாடிகளில் கண்டென்ட் க்கு வாங்க ப்ரோ..
bro ippa namma emi ya ,10,month la close pannita intrst kuraiya vaipu irukungila
Thanks Sir.
Thanks
What is the no cast EMI SIR pls explain
Good Explanation Bro.. Thank you 😍
sir,if we consider increasing inflation (rate of increase),the long tenure of EMI will be a profitable ie.comparing the rate of increase in the inflation with the rate of interest of the loan.
if the increase in rate of inflation is higher than the rate of interest for the loan ,then comparatively profitable. and Vice versa.
நன்றி
Good
Thanks 😊
GOOD
EMI shoping panna Eligible age evlo bro
Thank you
Yannaku sollungaa bro 860000 loan amount
Thankyou sir
Thanks bro.
Please pin My comment 📌
Guys google ah poitu EMI calculator nu type pannunga
First la sample details irukkum athuku bathil unga details fill pannunga pothum
Loan Amt fill pannunga,
Interest evlo nu fill pannunga neenga vangura bank la,
Ethana month EMI katta poringa nu type pannunga
Avlothaa,
Do the best for less emi and identify the hidden charges
I borrow 220000 monthly emi 5200/month for5years is it right.interest 12percent.
Bro. Very nice video. Suppose if I am getting a substantial amount and wish to reduce the loan amount after a period of some EMI payment,what are the best points I have to discuss with the financier.
Negotiate for part closure and reducing the emi.. they may put charges for part closure.. ask how much and negotiate to reduce it..
Super
Hi shall I preclose 10 yr old HL loan taken 19L loan
Caculatina sollunga
First view bro
Sir excel sheet edit option illa sir, please able to edit option
You need to download in your pc and use it., edit option is browser is not available.
👍
Hi you are doing demo for fixed rate. But home loans ROI will change every quarter as per RBI. How to calculate that sir. Pls explain demo for varying ROI calculations for especially for home loans
Yes. Interest change aagum podhu, emi will be calculated based on outstanding principal
❤
தனிநபர்களின் பெறுவதுதான் கடன் தொகை பெற வாய்ப்பு?
சரியாபுரியவில்லை
Sir House Loan epdi edukkanum.. Epdi effective ah loan adaikkanum nu oru video podunga 🙏
10.5 did not show . it turned into 11. why?
நன்றி அண்ணா...
Bro, can you please say how did you find the proprtion of amount spent on interest and principal paid i e in video EMI amt 13,215 how did you segregate 4882 towards principal and remaining towards interest?
I like all your videos and thank you for sharing your knowledge in finance, and I had a learnt a lot from this channel
Interest= outstanding principal x interest rate/12
Remaining amount in emi will be principal component