Dear Amit - 20 years back flat used to cist 25L lacs in Dwarka Delhi. Assuming some one staying on rent would have paid total rent of 36 lacs in 20 years. Today cost of flat is 200 Lacs. Now don't you think the person who would have purchased house 20 years back made a sensible decision. His property appreciated 10 times and he saved rent of 36 lacs. In case or say home loan of 10 lacs, he would have paid interest.
I purchased a Land and after 10 years its value is same. And trust me its true. Plz don't share conditional story. You purchased at right place and you are lucky. Not everyone is Lucky.
Practically not possible to invest 75000 sip for normal person but paying emi is possible... One who try to follow this will loose control with market flactuation and will stop sip... Home buyer on the other hand will able to make sure shot asset by paying emi
He didnt talk about inflation at the end and Property Future value after 20 years... It's critical factor which might change the decision. Rent growth at 10% every year IMPACTS , it also translates to Property Appreciation at some % every year
But property appreciation is only applicable to own land. 90% of people MNC people living in apartment. whose value depriciate except few cases due to constuction quality degrade over the period of time.
@@varinder251 Who said that values of apartments depreciate? Apartments also appreciate because you own a share in the land underneath the building. Trust me, nobody has regretted buying property in long run.
Capital bada k bhi ghar hi lete hain log, mostly invest in real estate only. Plus you have to compare the rental return plus capital appreciation plus tax saving also in consideration while decision making of house/flat purchase. Everyone should buy a house even if you may not live in that, it can be rented out.
Following points were ignored in the discussion: 1. Rent will be increased @10% every year 2. Appreciation of the property value (Ayodhya case is exceptional, shouldn’t be generalised) 3. Income tax benefits on Home loan 4. Shifting cost and hassles . Please take your decision according to your situation and not under influence of any UA-camr
Sir , I am very grateful to see your videos, I am a college student and i have business ideas but I can't understand how to convert that idea into a brand. Help me to execute business skills.
Well explained, bhut achche se btaya aapne...sir mere bete ne Vivek bindra par video bnai hai, ham bhi victim rahe hai so... sparshcastic nam se channel hai..
Kaan ko sidhe tarike se pakdo ya ghuma fira kar..pakdna akhir mei kaan hi hai..moral of the story is Apne ghar mei jo sukun milta hai usme aaki productivity increase ho jati hai..jab tak paise na ho toh rent..paisa hote hi ghar
Maan lo mai rent pe 10000 de rha hu agar mai 10000 ki EMI pe home loan le leta hu to voh ghar mera hota jayega but rent par ghar kabhi apna nhi hoga apne Ghar ki chahat hoti hai voh zaroori hai aur property ki value bhi badhti hai
Aap kis ghar mei rehte hain.. Rent or you own your house.. 😊it's good that you have told very nicely both the benefits.. But i think log majboori mei he rent pr rehte hain.. Ager unke pass enough paisa ho to unki sbse pehli preference apne ghar ki hoti hai.. Aur usmein even a single brick they put happily.. Unhe tb maintenance cost nhi dikhta.. Cos they are happy to live everafter in that own house.
I am a retd from govt job. I bought a flat on EMI. Paying EMI 26303 /- I m getting pension only 34000/- pm No savings. Having 2500000/- loan on floating rate of interest @11.95. my flat present value is 45-50 lac. Please advice should i continue loan on EMI for 13-14 years. Or sell my flat and pay my entire amount of loan and save 20-25 lac invest in SIP and also save my entire pension. Will it be a wise decision to leave on rented accomodation?
aapka nhi ho pa rha toh aapke paas koi option nhi hai aapko 25 lakh ka loan nhi lena chahiye tha aap chaho to flat bech k 25 lakh ka apna Ghar le lena chahiye
Critics must watch video once again! Half of your queries are already answered. 😂 Baki log inki baate seriously lo. Rent income 5% of property value and appreciation of property on an average 5% total 10%. Lekin aap usme rehte ho to ye matter nahi karta ultimately its not asset its a liability. Ye jinko nahi samaj aata wo kripaya thodi aur study kare. 🙏 Not to hurt anyone but simply in public interest 😊
What about the money that you pay on rent which never comes back while after paying emi on the home loan finally the home is yours and will act as an asset for you???
Sir ji yk video is topic per chahiye tha ki car lekar rent per dena kaisa hai ur ya phir ola Uber type online karke kamai kar sakty h kya kya problem face karni hugy sab batyga sir 🙏🙏 zarurat hai iski
Ola and uber ke charges ho woh lete hai bahut jyada hote hai. Ya toh ap khud drive karein. But waise loss ka business hai because uber and ola ke charges bahut hote hai. But Delhi ncr mai acha mil sakta hai return agar ap khud chalayein toh. Because driver salary and car emi ye sab bahut jyada ho sakta hai
Sir main loan Liya Ghar banane ke liye lekin aapka video dekha to plan cancel ker diya ab main wo paise ka kya Karu main kiraye ke makan me rahta hu 3000 kiraya hai emi 5321pr month ki hai please sir riply
Sir your calculations is not correct consider on rent that every year 10% increase so can not invest every months 52000 revised work on every month's investment after considering this factor thanks
You have considered rent 20000/- constant for the whole 20 years, which is a big mistake. Every 5-6 years rent gets doubled in metros. You have not considered the leverage of the loan. That means you have only 20 Lakhs in your pocket but you are getting a house worth 1 crore, you will get price appreciation on not 20 Lakh but the whole 1 Crore. Leverage is not understood by many. Every major company is utilizing the power of leverage of debt. Please correct yourself and provide authentic information only.
Business he to rent par karo ...... Or Ghar he to apna lo ...... Business rent par karne se fayeda ye he .....jab kabhi business ko problem ho .... Sametne me jayada easy hoga ...... Business on rent ...... House own....
😂😂😂😂 Why dear Insist us to be involved in the Share market . We know the population is increasing day by day... And land is fixed. So, investment in land/ property will be a good decision. And share market graf is unpredictable and generally we face recession every decade by which the shares market crashed and investors are made fools . So try to take land / building because this assets not face depression calculation. And generally every year property rate increases twice the value of investment...so if we set a 20 year bank loan for occupying our desirable property 90/% chance investors win this process.. Because Satiment. And meanwhile you get any customer which give more than property values ... Than you can sell that... And fill dues bank loan and make more profit ... 🎉🎉
Arey baba job chali gayi to rent bhi kaise bharoge, yehi logic hai to din m khana bhi 1 baar Khao, kapde 10 saal m 1 baar silwao, aur paise compound ho jaenge. Matlab gyan batne k naam par kuch bhi pel do
Exactly vahi mera bhi sawal hai Banda 7k rent dega tab bhi ghar uska nhi hoga but 7k-10k EMI dega to 20 saal baad hi sahi ghar to apna ho hi jayega aur property ki value bhi badhegi 20 saal me
Sir i have 3 storied house in Rohini delhi and i want to sell it to purchase a house in Lucknow . Cost of 1000 square feet house of 1 floor is. About 70 lakh there ...Delhi house current market price is around 1 Cr . My plan is to sell this building and purchase 1 floor house in lucknow of biger size then the old one and build 3 more floor and put 3 for rent and 1 floor for personal use ( i will live there ) . My kids are very small so planing to stay atleast 20 years there ...is it fine as per financial calculation...
But agar ghar ho hi na and kabhi retirement toh hoga hi na . Toh fir kab tak kiraye denge. N property ki vakue badhti hai. Toh ghar lene mai fayda hai. N fir ap sale bhi kar sakte ho
![समझदारी किसमें, घर खरीदने में या किराए पर लेने में? [Housing shortage driving prices - rent or buy?]](http://i.ytimg.com/vi/8wBOo3ZSUYE/mqdefault.jpg)
जब तक पैसा ना हो किराए पे रहो
पैसा आते ही सबसे पहले घर ही खरीदना चाहिए
Galat Salah hai
right, i did same.....i am happy.
Fijoollharch log ko saving ki adat nahi hoti
Kudka Ghar matlab Emition...Izzat..... 😊😊.... Har cheez main paisa dekha Nehi jara.....bada dream dekho....paisa kamao.....khud ka Ghar kharido....
Kon kon manta h rent se acha apna ghar hota.. 🙏
I would suggest that if somebody earning approx 1 lacks should not take loan more than the 20times his/her monthly income or 20 lacks !
Dear Amit - 20 years back flat used to cist 25L lacs in Dwarka Delhi. Assuming some one staying on rent would have paid total rent of 36 lacs in 20 years. Today cost of flat is 200 Lacs. Now don't you think the person who would have purchased house 20 years back made a sensible decision. His property appreciated 10 times and he saved rent of 36 lacs. In case or say home loan of 10 lacs, he would have paid interest.
I purchased a Land and after 10 years its value is same. And trust me its true.
Plz don't share conditional story. You purchased at right place and you are lucky. Not everyone is Lucky.
@@sanjayshukla3718 I have not purchased. I only quoted an example
But why does someone buy an old flat when at the same price he can buy new.
Practically not possible to invest 75000 sip for normal person but paying emi is possible...
One who try to follow this will loose control with market flactuation and will stop sip...
Home buyer on the other hand will able to make sure shot asset by paying emi
He didnt talk about inflation at the end and Property Future value after 20 years... It's critical factor which might change the decision. Rent growth at 10% every year IMPACTS , it also translates to Property Appreciation at some % every year
But property appreciation is only applicable to own land. 90% of people MNC people living in apartment. whose value depriciate except few cases due to constuction quality degrade over the period of time.
@@varinder251 Who said that values of apartments depreciate? Apartments also appreciate because you own a share in the land underneath the building. Trust me, nobody has regretted buying property in long run.
Capital bada k bhi ghar hi lete hain log, mostly invest in real estate only. Plus you have to compare the rental return plus capital appreciation plus tax saving also in consideration while decision making of house/flat purchase. Everyone should buy a house even if you may not live in that, it can be rented out.
Following points were ignored in the discussion:
1. Rent will be increased @10% every year
2. Appreciation of the property value (Ayodhya case is exceptional, shouldn’t be generalised)
3. Income tax benefits on Home loan
4. Shifting cost and hassles .
Please take your decision according to your situation and not under influence of any UA-camr
Great👍
Well said ..
Jb apna ghar hota to satisfaction wai hota hai ❤
Agar sab Rent par ledge to Ghar Milega kahN se, Ghar sirf rahne ki jagah nahi.
Har cheej investment ki nahi
Bilkul sahe sir aap sahe bata rahe hai
Sir , I am very grateful to see your videos, I am a college student and i have business ideas but I can't understand how to convert that idea into a brand. Help me to execute business skills.
Well explained, bhut achche se btaya aapne...sir mere bete ne Vivek bindra par video bnai hai, ham bhi victim rahe hai so... sparshcastic nam se channel hai..
Nice lecture,I showed you sir first time at Rajkot.I am from rajkot, Gujarat.
Apke hisaab se koi bhi kabhi bhi ghar khareede hi na or zindagi bhar kiraye par rhe
Kaan ko sidhe tarike se pakdo ya ghuma fira kar..pakdna akhir mei kaan hi hai..moral of the story is Apne ghar mei jo sukun milta hai usme aaki productivity increase ho jati hai..jab tak paise na ho toh rent..paisa hote hi ghar
Recently I scroll youtube then see your video 1 video watched then I open your yt profile for more effective videos,❤🎉🎉🎉🎉
Supper information
Thanx 🎉❤
Maan lo mai rent pe 10000 de rha hu agar mai 10000 ki EMI pe home loan le leta hu to voh ghar mera hota jayega but rent par ghar kabhi apna nhi hoga apne Ghar ki chahat hoti hai voh zaroori hai aur property ki value bhi badhti hai
20 lakh ho to nahi lena chahiye but 50 lakh apne ho to jaroor lena chahiye apna ghar 1cr ka
I like this video and thought
Aap kis ghar mei rehte hain.. Rent or you own your house.. 😊it's good that you have told very nicely both the benefits.. But i think log majboori mei he rent pr rehte hain.. Ager unke pass enough paisa ho to unki sbse pehli preference apne ghar ki hoti hai.. Aur usmein even a single brick they put happily.. Unhe tb maintenance cost nhi dikhta.. Cos they are happy to live everafter in that own house.
Mere pass paisa hai par rent par rehta hai. Mera dost Saal ka 35 lakh kamata hai par rent par rehta hai saalo se.
Super ideas Amit sir 👍👏👏👏👏👏👏
1 lakh ki income hai to 25 se 30 lakh ki property le sakte hai
Sir land appreciation bhi hoga land pe after 20 years toh shyad 6cr isse jada ho skta h...
Very nice explan
Bhaiya 20 saal m jameen ka rate kitna ho jayega uska idea lgaya kya? Rent ni padhta h kya?
आप को ऑल इंडिया से लोग देखते है सर, तो उदाहरण थोड़ा कम बजेट का देना चाहिए ना, एक करोड़ का घर कोन लेगा भला, कॉमन मैन?😀
😆😆😆😂😂😂😂😂right bro
I am a retd from govt job. I bought a flat on EMI. Paying EMI 26303 /- I m getting pension only 34000/- pm No savings. Having 2500000/- loan on floating rate of interest @11.95. my flat present value is 45-50 lac. Please advice should i continue loan on EMI for 13-14 years. Or sell my flat and pay my entire amount of loan and save 20-25 lac invest in SIP and also save my entire pension. Will it be a wise decision to leave on rented accomodation?
aapka nhi ho pa rha toh aapke paas koi option nhi hai aapko 25 lakh ka loan nhi lena chahiye tha aap chaho to flat bech k 25 lakh ka apna Ghar le lena chahiye
20 sal bad kya whi ghar 6 crore me mil jayega
Critics must watch video once again! Half of your queries are already answered. 😂 Baki log inki baate seriously lo. Rent income 5% of property value and appreciation of property on an average 5% total 10%. Lekin aap usme rehte ho to ye matter nahi karta ultimately its not asset its a liability. Ye jinko nahi samaj aata wo kripaya thodi aur study kare. 🙏 Not to hurt anyone but simply in public interest 😊
What about the money that you pay on rent which never comes back while after paying emi on the home loan finally the home is yours and will act as an asset for you???
And what will happen is the interest you are paying to the bank almost twice of the property value.
Sir ji yk video is topic per chahiye tha ki car lekar rent per dena kaisa hai ur ya phir ola Uber type online karke kamai kar sakty h kya kya problem face karni hugy sab batyga sir 🙏🙏 zarurat hai iski
Ola and uber ke charges ho woh lete hai bahut jyada hote hai. Ya toh ap khud drive karein. But waise loss ka business hai because uber and ola ke charges bahut hote hai. But Delhi ncr mai acha mil sakta hai return agar ap khud chalayein toh. Because driver salary and car emi ye sab bahut jyada ho sakta hai
8'35roiminus 6 inflation equalus 3 per per annum intrest think about it sir
Subscribed ...your channel today
Sir apki batt acha laga
Apse kuch sala Lena he
Sir main loan Liya Ghar banane ke liye lekin aapka video dekha to plan cancel ker diya ab main wo paise ka kya Karu main kiraye ke makan me rahta hu 3000 kiraya hai emi 5321pr month ki hai please sir riply
Ghar lelo bhai uski value b bdegi tnsn mat lo ..jo aaj 20 lakh ka ghar 10 saal baad 40 ja 50 lakh b ho skta apna Ghar apna he hota
@@simranarora97803exactly 3k ki jagah 5k rent smjh lena aur kya jab bhi extra paise ho to prepayment krke Loan khatam kar dena chahiye jaldi se jaldi
Total Income ka 30% per month max 30K per month EMI if income is, 1Lk
Great sir ❤ you lovely guide 🎉
i m bankrupt after my pf mismanagement but i m now living no loan life proudly😊
If income monthly RS.100000/. Then emi of home RS 10000/. Is ok for that
Itna to ok hi hai bhai 😂😂😂
Log 20000 salary pe 10000 bhar rahe hai
Dear house ki value vi 20 saal baad 10 cr ka hoga
Sir your calculations is not correct consider on rent that every year 10% increase so can not invest every months 52000 revised work on every month's investment after considering this factor thanks
Isi cal v EMI par lo to fir o car v to showroom walo ki rhi hamare kese rhi
You have considered rent 20000/- constant for the whole 20 years, which is a big mistake. Every 5-6 years rent gets doubled in metros.
You have not considered the leverage of the loan. That means you have only 20 Lakhs in your pocket but you are getting a house worth 1 crore, you will get price appreciation on not 20 Lakh but the whole 1 Crore.
Leverage is not understood by many. Every major company is utilizing the power of leverage of debt.
Please correct yourself and provide authentic information only.
But most of the modern people buy Flats not the Land and in such cases leverage concept is not so fruitful. You know what I mean
Ek video esi bnaao ki jisko ghar nahi wo log kis tarah se Dipression aur beizzati me jeete hai,,Swarn Bhavishya ki kaamna karte ho bina ghar ke😂😂
बंगले फार्म हाउस किराए पर नेता और 2 नंबर वाले लेते है असल में वो प्रॉपर्टी उनकी ही होती है बस जनता को नही दिखाना
Single flat ka kiraya bhai jayda ho hota hai 20k - 25k
Meri inkam 1 lac par month hai
To 10 lac ka Ghar lena chahunga
❤❤❤
Business he to rent par karo ...... Or Ghar he to apna lo ...... Business rent par karne se fayeda ye he .....jab kabhi business ko problem ho .... Sametne me jayada easy hoga ...... Business on rent ...... House own....
Sir mera payment 50k hai mai kya karu
Sir ji muje 500000 invasmant karne ha to ma kase invasmant kase kru
100000 income
98% loan ho jata hai sir😂
Apne SIP se kitne crore kama liye
😂😂😂😂
Why dear
Insist us to be involved in the Share market .
We know the population is increasing day by day... And land is fixed.
So, investment in land/ property will be a good decision.
And share market graf is unpredictable and generally we face recession every decade by which the shares market crashed and investors are made fools .
So try to take land / building because this assets not face depression calculation.
And generally every year property rate increases twice the value of investment...so if we set a 20 year bank loan for occupying our desirable property 90/% chance investors win this process..
Because Satiment.
And meanwhile you get any customer which give more than property values ... Than you can sell that...
And fill dues bank loan and make more profit ... 🎉🎉
Garibo k liye koi skim hai to bataye. Amiro ko koi paresani nahi hoti hai
20 sal bad us proparti ki kimat 5 karod ki bhi to hogi
Oky
Jo khud prbachn de rahe khud ka inke pass 2-4 Ghar hoga
Mere bete ki monthly income 45ooo h kya kare
Home Loan lo 15-20 lakh ka apna Ghar lo aaram se Ghar pe baitho 15000 EMI dete raho
1lac ka home 20yr. me 10lac. Ho jayega
20 saal baad us ghar ki kimat 10cr hogi😂
Theen mahnie ka kiraya aur ek mahina advance jayada lag jata hai
Rent...
Rent par lo
Paisa bank me rakho to kharch ho jata hai chalo car lete hai Australia tour ker aate hai koi mange paise to mana nahi ker pate hai
Rant
App rent pe hai ya khud ka ghar hai 😅
इनका खुद का बड़ा घर है बस ये नही चाहते कोई और मध्यम वर्ग अपना मकान बनाए
❤️🙏🙏🙏🙏🙏❤️
Arey baba job chali gayi to rent bhi kaise bharoge, yehi logic hai to din m khana bhi 1 baar Khao, kapde 10 saal m 1 baar silwao, aur paise compound ho jaenge. Matlab gyan batne k naam par kuch bhi pel do
Agar koi person 5 to 7 thousand rent pay karne ki jagah koi apartment ki emi 5 to 7 k ke ass pass to kya he sahi hoga
Exactly vahi mera bhi sawal hai Banda 7k rent dega tab bhi ghar uska nhi hoga but 7k-10k EMI dega to 20 saal baad hi sahi ghar to apna ho hi jayega aur property ki value bhi badhegi 20 saal me
Bhagwan Ka Naam Lo .
Vridawan Jaao .
Ashram Me
Sir i have 3 storied house in Rohini delhi and i want to sell it to purchase a house in Lucknow . Cost of 1000 square feet house of 1 floor is. About 70 lakh there ...Delhi house current market price is around 1 Cr . My plan is to sell this building and purchase 1 floor house in lucknow of biger size then the old one and build 3 more floor and put 3 for rent and 1 floor for personal use ( i will live there ) . My kids are very small so planing to stay atleast 20 years there ...is it fine as per financial calculation...
Bhai tu sach mein Dr. hai? Nai bas sawal tha mere dimaag mein
enki sunke wo Banda 20 lakh bhi gavaega 12 percent return ki sambhavna h milega ya nhi god knows.
Apni thinking badaliye warna life me kuchh nahi kar paoge.
No risk no gain
But agar ghar ho hi na and kabhi retirement toh hoga hi na . Toh fir kab tak kiraye denge. N property ki vakue badhti hai. Toh ghar lene mai fayda hai. N fir ap sale bhi kar sakte ho
Isne wick phen rakhi h
Main v yhi sochta hu ki rent pe rahna hi sahi hai but gharwale ye cheez nhi samajhate hai...Wo kahte hai apna Ghar hona chahiye....
STI
Sir aap ka khud ka ghar nhi kya
Steroid ne hair ukhar dide
STI rb
STI rb😢😮bhbe
Bakwas video, like other stupid so called financial experts. Govt should get them into jail, with SEBI rules and RBI.
Steroid ka
hii..im.mehboob.mai.15000..mei.faleth.lesakti.ya.nahe...faleth.par.ae.260000.laak.h..aap.gayed.karo
STI rb