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Lester Pereira
India
Приєднався 4 гру 2010
Hey Everyone,
I'm Lester and on this channel I post my views about Home Loans, Credit Cards, Travel and Tech
I'm Lester and on this channel I post my views about Home Loans, Credit Cards, Travel and Tech
Bali to Singapore flight experience | Singapore Airlines
My experience of flying Singapore Airlines SQ937 from DPS Bali / Denpasar, Indonesia to Singapore. The flight takes off from Ngurah Rai/Bali Intl - DPS landing at Singapore Changi
#singapore #singaporeairlines #bali #denpasar #Changi
#singapore #singaporeairlines #bali #denpasar #Changi
Переглядів: 67
Відео
Novotel Chennai OMR Room Tour + Dinner Buffet #Accor
Переглядів 24414 днів тому
Welcome to #Novotel Chennai OMR, a 5-star hotel nestled in Chennai's bustling IT corridor. This urban resort spans three acres of lush greenery, offering guests a serene retreat amidst the city's vibrancy. Location: Conveniently situated on Old Mahabalipuram Road, Novotel #Chennai OMR is directly opposite the ELCOT SEZ and just a 10-minute drive from the beach. It's an ideal spot for both busin...
Unboxing the Amex Platinum Travel Credit Card #americanexpress
Переглядів 4,1 тис.5 місяців тому
Apply for an #Amex Card: (Refresh page once landed on Amex Website) www.americanexpress.com/en-in/credit-cards/referral/prospect/cards/intl/lESTEPrBfR?CORID=l~E~S~T~E~P~r~B~f~R-1725017206325-1743604677&CPID=100364247&GENCODE=349993086482938&XL=MNMNS&ref=lESTEPrBfR&v=2 Apply for the Amex Platinum Travel Credit Card: americanexpress.com/en-in/referral/platinum-travel?ref=lESTEPcEMf&XL=MNMNS Apply...
Unboxing the AU Ixigo Credit Card. Best LTF Zero Forex #creditcard
Переглядів 1,6 тис.6 місяців тому
Here is the Unboxing of India's Best LTF Travel Credit Card along with all its details. Apply for an AU Bank Credit Card: AUBank.ref-r.com/c/i/34965/114345329 Apply for an Amex Credit Platinum Travel Credit Card: americanexpress.com/en-in/referral/platinum-travel?ref=lESTEPcEMf&XL=MNMNS American Express Credit Card Catalog: www.americanexpress.com/en-in/credit-cards/referral/prospect/cards/intl...
Mercure French Village Bana Hills Room Tour #danang
Переглядів 8756 місяців тому
The Room Tour of a Deluxe King Room at Mercure Bana Hills, Da Nang. #Accorplus #accorhotels Perched atop Ba Na Hills in Danang, Vietnam, Mercure Danang French Village Ba Na Hills enjoys a prime location in the high mountains and has been honored as Best Mountain Retreat Global by Haute Grander Award 2023. Accessible only by cable car, the hotel boasts stunning views of the surrounding French Vi...
How to get an Istanbulkart #istanbul
Переглядів 3,1 тис.11 місяців тому
Istanbulkart is a public transportation card of Istanbul. #istanbulkart costs 70 Turkish Lira As soon as you land at the airport you can get this card at the metro station, be it Sabiha Gokcen or Istanbul Airport #istanbul #istanbulturkey #istanbultourism #istanbulkart #sabihagokcen #sabihagökçenhavalimanı #istanbulairport #IstanbulTourism
Mumbai to London via Vistara #UK015
Переглядів 4,2 тис.11 місяців тому
In this video we fly from Mumbai terminal 2 to London Heathrow via Vistara Airlines UK015 . It's a 9hr flight which operates daily. I invite you to get India’s best lifetime free Credit Card from IDFC FIRST Bank. Get 2,000 bonus reward points, low APR, interest free ATM cash, up to 10X never expiring rewards plus many more privileges! Apply now. idfcfr.in/y0Krj0 Apply for an Amex Card:- america...
Macau to Hong Kong by Ferry #cotaiwaterjet
Переглядів 27211 місяців тому
In this video we go from Macau to Hong Kong by Ferry. There are 2 ferry companies, TurboJet and Cotai Water Jet. You can choose any of these. #hongkong #macau #cotaiwaterjet #hongkong2024 #cotaistrip #turbojet #hongkongtouristspot #sheratonhotels #Casino #SheratonGrand
Spending 24hrs in the Las Vegas Of Asia #Macau
Переглядів 489Рік тому
Here's how we spent 24hrs in Macau SAR. Macau is an autonomous region on the south coast of China, across the Pearl River Delta from Hong Kong. A Portuguese territory until 1999, it reflects a mix of cultural influences. Its giant casinos and malls on the Cotai Strip, which joins the islands of Taipa and Coloane, have earned it the nickname, "Las Vegas of Asia." One of its more striking landmar...
Hong Kong to Macau by Ferry #cotaiwaterjet
Переглядів 389Рік тому
In this video we go from Hong Kong to Macau by ferry. We chose the Cotai Water Jet, as we were going to Macau Taipa. #HongKong #Macau #TurboJet #CotaiWaterJet #Cotaistrip TurboJet Tickets www.turbojet.com.hk/en/ticketing/ticketing-channels.aspx Cotai Water Jet m.cotaiwaterjet.com/en/ferry-schedule/hongkong-macau-taipa.html
A Day at Ngong Ping Village #hongkong #ngongping360
Переглядів 86Рік тому
Today we head to the Ngong Ping Village to see the famous Tian Tan Buddha. In order to get there, we have to take the Ngong Ping 360 Cable Car. #hongkong #ngongping360 #tiantanbuddha #macau #hongkong2024 #hongkong2023 #hongkongtouristspot #LantauIsland #NgongPing #NgongPing360 #hong kong travel
ibis Hong Kong Central & Sheung Wan, Room Tour #HongKong
Переглядів 2,8 тис.Рік тому
A room tour of the ibis Hong Kong Central & Sheung Wan. Ibis is a part of the Accor Hotels If you are looking for a Credit Card, then do check these 3 amazing options that give really good rewards. 1) Amex Cards: www.americanexpress.com/en-in/credit-cards/referral/prospect/cards/intl/lESTEPbQko?CORID=l~E~S~T~E~P~b~Q~k~o-1692980754254-780380616&CPID=100255990&GENCODE=349993086482938&XLINK=MYCP 2...
Victoria Peak Tram vs Sky100
Переглядів 269Рік тому
In this Video we explore Hong Kong's most popular tourist destination, the Victoria Peak Tram. Along with that we also Head to a relatively newer attraction named Sky100. It's our second day in Hong Kong and we explore some essential tips and how to commute. #hongkong #hongkong2023 #wanchai #accor #novotel #marriottbonvoy #causewaybay #peaktram #sky100 If you are looking for a Credit Card, then...
Exploring Hongkong Island: CausewayBay and Times Square #HongKong2023 Ep:2
Переглядів 226Рік тому
Exploring Hongkong Island: CausewayBay and Times Square #HongKong2023 Ep:2
India to Hong Kong : Immigration, Sim, Travel and More #hongkong
Переглядів 1,3 тис.Рік тому
India to Hong Kong : Immigration, Sim, Travel and More #hongkong
Sheraton Grand Hotel, Macau Room Tour #MarriottBonvoy
Переглядів 1,2 тис.Рік тому
Sheraton Grand Hotel, Macau Room Tour #MarriottBonvoy
Novotel Hong Kong Century Hotel Room Tour, Wan Chai #Accor
Переглядів 2,9 тис.Рік тому
Novotel Hong Kong Century Hotel Room Tour, Wan Chai #Accor
HDFC Home Loan: Prepayments , Conversion Enquiry , Increase/Decrease EMI and FAQs
Переглядів 21 тис.Рік тому
HDFC Home Loan: Prepayments , Conversion Enquiry , Increase/Decrease EMI and FAQs
American Express Membership Rewards Credit Card | Amex MRCC Unboxing
Переглядів 890Рік тому
American Express Membership Rewards Credit Card | Amex MRCC Unboxing
Suzuki Burgman Street | Backrest Modification #suzukiburgman
Переглядів 1,9 тис.2 роки тому
Suzuki Burgman Street | Backrest Modification #suzukiburgman
HDFC #HomeLoan : Conversion Enquiry Reduce Overall Interest, Here's How
Переглядів 36 тис.2 роки тому
HDFC #HomeLoan : Conversion Enquiry Reduce Overall Interest, Here's How
Home Loan Prepayment Calculator: Best Android App - Reduce EMI vs Reduce Tenure
Переглядів 9 тис.2 роки тому
Home Loan Prepayment Calculator: Best Android App - Reduce EMI vs Reduce Tenure
Tips to Help Manage your Home Loan | Manage EMI & Tenure
Переглядів 9102 роки тому
Tips to Help Manage your Home Loan | Manage EMI & Tenure
Bike Trip to Padubidri Blue Flag Beach | Karkala to Padubidri
Переглядів 7302 роки тому
Bike Trip to Padubidri Blue Flag Beach | Karkala to Padubidri
Mangalorean Christians, Tippu Sultan & St Lawrence Basilica,Attur. A Brief History
Переглядів 12 тис.2 роки тому
Mangalorean Christians, Tippu Sultan & St Lawrence Basilica,Attur. A Brief History
Ekta Cruise | Statue of Unity | Ekta Nagar, Kevadia
Переглядів 5012 роки тому
Ekta Cruise | Statue of Unity | Ekta Nagar, Kevadia
BRG Budget Stay Room Tour | Statue of Unity | Kevadia, Ekta Nagar
Переглядів 9682 роки тому
BRG Budget Stay Room Tour | Statue of Unity | Kevadia, Ekta Nagar
Unity Glow Garden & Petting Zoo | Statue Of Unity
Переглядів 3082 роки тому
Unity Glow Garden & Petting Zoo | Statue Of Unity
River Rafting at Statue of Unity | Ekta Nagar, Kevadia | #Khalwani #statueofunity #riverrafting
Переглядів 2,3 тис.2 роки тому
River Rafting at Statue of Unity | Ekta Nagar, Kevadia | #Khalwani #statueofunity #riverrafting
Thank you so much I watched your video before making the transaction and it was an smooth process 🎉
For new Loans , we need to wait atleast for first 6 EMI to deduct, then only we can make online pre-payment. This is they told me over email
Check the latest video on this topic on my channel. This one's the older version
4:44 Its mentioned that you have to spend 1000rs in the first 30 days to waive off the card fee. Is it actually necessary because its not mentioned in the app.
Yes it is
Got reply that You have sent us an email from an unregistered email address.We request you to send us an email from your registered email ID. Though my email id is the registered email on hdfc account
Login on the HDFC Home Loan portal and check if your email is verified.
I booked deluxe room with king bed is this the same you are talking about
Yes, but you won't always get that balcony, its reserved for accor members
Hi I am trying to apply amex travel platinum card via your referal however I dont see the firt year fee being waived off
They've made changes and now First Year free is no longer available
Mera floating roi hai or hdfc bank mujhse part payment k time pe simple interest kaat rha hai kya vo fen ahota hi ye faltu me kaat rhe hai vo
Hi Thanks for sharing information I am in a situation where online partpayment is not yet enabled as full disbursement has not completed and I want to make part payment via offline mode. Could you please add a video on this if possible Thaks
If you had to choose which one was better?
Victoria Peak tram
SBI is Best Bank For home Loan
Is there a cap on the pre payment?
No
Emi also can reduce after prepayment from total amount?
You get a choice to either reduce EMI OR reduce tenure
Emi also can reduce after prepayment from total amount?
You get a choice, either to reduce EMI OR reduce Tenure
I have 24 lac of HL . Supose i wants to prepayment of 4 lac what is simple interrest of this after 1 year of taking complete amount or principle amount???
It's would depend on the day your making the prepayment. How many days after the 1st of every month. You can calculate it online
I have taken joint home loan with wife. Now planning to do each 3lakh part payment. Do I need to send 2 emails separately?
No, just one email is enough.
Helpful 🎉
Hi can you send me an invite for the platinum travel card.the above like shows it’s referred for the gold card.
Here you go americanexpress.com/en-in/referral/platinum-travel?ref=lESTEPcEMf&XL=MNMNS
What is your credit limit bro?
4.5l
is it a metal or plastic card?
Plastic
Bro indiashelter homeloan liya prepayment kaise kare?
No idea
Considering you installed this backrest on December 2022. How is it now?
It's good, but a small part near the base is rusted. But that's down to how you maintain it. Other than that, still perfectly fine.
I have a query tht this Disbursed amount where they r sanctioning its mentioning under some policy name can we use tht amount as same homeloan in tht case?
No you can't, cause that money is already paid in full to the Insurer as a one time insurance amount for coverage over the years
Thank you .when can i preclosure this loan without charges?
@@Keerthyvibes you can do it anytime. I did mine in the 4th month
Its possible to close this policy loan alone separately whereas the house loan will be on process
@@Keerthyvibesyeah it is, i did the same. Both loans are treated separately
How much need to spend to waive off annual fee ?
There is no spend based waiver
@TheCreditLife then need to pay annual fee ? Cant be waived off ?
@@harshadramekar yes, annual fee has to be paid. For renewal if spends are high, you can negotiate for reduced fee
is it metal or plstic?
Plastic
what did u use to safe camera frm water?
Nothing. Its a gopro
How can i book a biggest balcony room like you, please
I'm an accor plus member. Hence I was given that privilege room. You can consider taking an accor membership
@@TheCreditLife Thank you so much.
In offline , after part payment ...when they will deduct the amount from outstanding principle
It's always deducted from Principal
@TheCreditLife how many days it will take to reflect the deducted amount
@sauravevilfaith the amount reflects directly next month, but you get acknowledgement slip on email or they give a physical copy that shows the new updated balance
@TheCreditLife thank you so much for the quick response n help
What was the Cibil score for its approval
Mine is 800
@@TheCreditLifecan i get with 772
What room category is this??
Deluxe room
Use below link for Amex referral
Any joining fee or annual fee, or any minimum spends to get avoid annual fee? Or no fee at all no conditions applied?
It's LTF.
International lounge access means will I be able to use lounge outside country? Or does it mean I can use international terminal lounge in India? If I use lounge access at a international terminal lounge in India then will it be considered as International lounge access or Domestic lounge access?
International terminal lounge in India is considered as Domestic lounge. International lounge means foreign country
Bro no need to tell that you are using lower version of credit card .that is obvious when i saw you made video by filmora app
Ok
Hi - how are the mattress and pillows? Too firm, too soft or just right? Some hotels have old mattresses that sink without much support though. Want to make sure this wasn’t the case. Thanks!
They were firm and not too soft. Didn't sink in
Hi Sir If we take 50 lakh home loan, and we decide to do part loan repayment of 25 lakh, will our emi be reduced? Please let me know 🙏
You will a choice to either reduce EMI OR reduce Tenure
mccc card link not working. Share new link
Here you go www.americanexpress.com/en-in/credit-cards/referral/prospect/intl/7276EA85DCDFFD01420CEED0856BB843B5CD7D002EED7DD82B8CE5C04CB3167AF500F554ADB5F4901A39DCD8E77043697CE531648C163B036B01486BAF6B111CF6ED2F34E4138C5496AA2D694396DD89EA5E2A9A3F2B270482F7AEF8590C436D973E5A42CF9BC412A9463EB7EC19C111A7E91A4F055DFC03A37AD7990A8A803D5B9929C3783C835ADC47B5969E1247E6D2DE4DB88A9277A4DFAB6546383DD9985A1E71A466D2951F97FCE4E757DD6629D9A4DAABB69A4D92E0E99E07982D355AB536C8363C4BB748EFD6D024BB69410DC07F41DB5A20C5A9AF9D5DE4F582D0F0E6716D11BB0BE6973A9DF0E3084D0555?CORID=l~E~S~T~E~P~r~B~f~R-1727418963779-195855690&CPID=100364247&GENCODE=349993086482938&XL=MNMNS&ref=lESTEPrBfR&v=2
Why they are charging interest because while taking they mentioned that for floating interest loan there is no extra pre payment charge..
A caste less religion to show the origin In Mangalore area they are called as Parbus, or Prabhu, and in down north of kayanpur are called as Naiks. There was a time that Udupi catholics were not visiting Kalyanpur church. (Ref Na D'souza ) clear cut division between the Bamon, Charodis, gowdies and Desh bhandaries. Later entry kharvi and Mahrs as per their registers. These records are preserved in most of the old churches were written in Portuguese language
knowing so much about Mangalore christians how and why they act and behave as Hindu Haters. Hindu kings in kanara coast did not treat them like the Portuguese treated the Hindus or the neo Christians of Goa still they were into Hindu customs
Can i make monthly pre payments towards my HDFC home loan? Does HDFC allow that ?
Yeah you can. I've uploaded a vid on how to go about with it. You'll find it on my channel. 12 prepayments are allowed in a year. Once per month
Can i know how pay extra emi or bulk amount for Hdfc home loan..is its possible online
Yeah it's online. This video explains how to do a bulk one time amount
@@TheCreditLife thank you..can you post a video on how to pay extra emi online .would be really helpful
Hi @ Lester, Is this card working as expected in other countries, is it truly offering zero markup, and did you faced any difficulties abroad while using this card. Please reply, and let me know if you have any questions. Thanks
Works well abroad. No issues
@@TheCreditLifewhat about International ATM withdrawals, any extra forex charges on it ?
Where I get ltf
You can apply via ixigo app or use this link AUBank.ref-r.com/c/i/33777/114345329?r=wa
@@TheCreditLife is it still LTF?
@@shivamgupta549 yes it is.
@@TheCreditLife thanks but using this link in card selection i am not seeing ixigo credit card, it is showing only other AU cards, should i need to stop my form here, and apply it from ixigo app?
@@shivamgupta549 apply via ixigo
Directly approved or amex ask for new vkyc or any other details on mail ?
Directly approved. You will get an upgrade email if eligible
@@TheCreditLife this is upgraded card or fresh card ? Your Mrcc closed ?
@@yogesh4817 I went for an upgrade. Yes, they close the MRCC once upgraded. But you also have the option of keeping both cards. You'll need to apply directly or via a refferal link for a new card. They won't do a separate kyc
@@TheCreditLife thanx
@@TheCreditLife upgrade me both card activate rakhne ka option hai ?
Any income documents submitted for this card ? your mrcc card and travel card application details are same aur some changes like income mentioned, company name as previous or changed ?
No income docs. Same details.
@@TheCreditLife thanks
Worst bank to take home loan. You have to visit the bloody branch to do pre-payments 🤦🏻♂️ in this digital era
You can do prepayments online aswell
He is my Uncle ❤️❤️❤️❤️❤️❤️😁❤️
Thank you so much for making these detailed videos. Super helpful. One very basic question, for offline prepayment do we have to go to the exact HDFC home loans branch where loan was sanctioned or it can be done in any nearby branches too?
Any nearby HDFC Home loan branch will do
Are the tickets prices for one way only ?
You can check the prices on their official website here m.cotaiwaterjet.com/en/ And yeah, in the video it's for one way only
What is the procedure in SBI for conversion enquiry? Can it be done through online?
I belive it can. But never tried it as I don't have a loan with them. I'd suggest emailing their customer support and checking