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Rent Vs. Buy...! Well explained...!! Bade bade colleges aur Universities se jo MBA kartke aate hain wo aaj kal youtube per puraane gyan ko bekaar bata kar Rent per rehne ki sallah dete hain. The young generation does not understand the value and sanctity of a HOME. Probably, most of them can not and will not afford them, as you rightly said.
Yours is the best video I have ever seen addressing the eternal question of Buying versus Rent with so much clarity and practicability. Take a bow Sir from my side and tons and tons of Thanks for clearing this matter for one and all.
Dil ke arman video me utar diye aapne Sir. Truly Amazing! Ankur Warikoo ka Rent VS Buy ka stupid comparison dekhne ke baad mere dimag me bhi kafi same arguments aye the...
excellent informative video. that slide showing concept is 100% true. using Paper and pen helps our mind to understand the things in very positive way.
Sahi bole sir SIP disciplined ho ya na ho but EMI pure discipline se katta hai. Sab financial advisors 20 year loan ka calculation karte hai but banda prepay karga rent kamayega capital appreciation hoga ye koi nahi karta. Bas SIP vs EMI par bolte hai
Practically I know many people whose wealth grown by 1 crore+ due to real estate appreciation. Although I haven't seen a single person who has made 1 crore profit in stock market. This is my personal real experience & not a theory. I recommend to do this experiment. Just get info from your own friends, relatives & draw your own conclusions.
Its a horrible situation in Delhi/NCR in any place where you are purchasing things from builders both in high rise buildings and in independent floors. The quality of construction is extremely poor - within purchase of 1 or 2 year you will start facing problems of seepages, cracks and plasters falling apart......The final finish is being made so attractive that innocent buyers get trapped and valuations (By builder) are kept so high that once you have purchased a property (Independent floor or flat) then in next 5 years also there is no or minimal price appreciation. There is no point in buying a property for investment purpose as returns are at the max. 2% to 3% only.....while stress of maintaing it is too high. Better keep money in Bank FDs and easily earn 7%+ interest easily these days. Property investment is a waste of money now.
If everyone buys 2 to 3 flats, who will come to take house on rent. We will be paying property taxes, Maintainance charges, Painting the house etc. Etc
Have you considered the depreciation of flats? How many years it takes to reduce the flat to almost inhabitable?Have you considered the cost of redevelopment after X no of years? Have you considered that the builder might give disproportionate amount of Undevided share in land?? you considered that builder might not give value for money flat by using cheap material?
When I watched videos by those who recommend mutual funds, I did think of some of these points, like an increase in rental value and salaries. But I also assumed that I may be missing a point. Aapne toh mere soch ke chakshu hi khol diye. Toh finally baat yeh hai ke sab kuch returns aur paise ke baare mein nahin hota. Family ki security wali feeling bhi important hai jo apne ghar se hi aati hai.
Doesnt make much sense. A decent flat in gurgaon will cost somewhere between 1.5 cr to 2 cr. With 20% down payment, you’ll be taking a loan between 1.2 cr and 1.6 cr respectively. Emi on the loans will be 97k to 1.29 lakhs/month @ 8% loan rate. Same flat you can rent between 25k-40k/ month. How you will justify the spread here? On top of that you might take 15-20 years to clear the loan and these days construction quality is going down only which will make that flat unliveable. First remove the black money involvement in real estate prices so price can come to justifiable level. Youth are wasting their prime investable years in paying off emi and dreaming of early retirement without any considerable financial assets.
The finfluencers try to oversimplify everything and in doing that they are giving incorrect information and advice to the financially illiterate audience, such honest advice of yours is really amazing
Bt sir.,ab tu baar baar k lockdown ar ressetion ki wajah se EMI bhrna bhut mushkil h...means ..gher tu lyliya..armano wala..bt naa bech skte h naa EMI..So?????
Reality is everyone wish to buy but most of them can’t afford to buy so they’ll rent. Currently 2bhk in an average area cost 50-60 lacs You’ll need 12 lac cash upfront for downpayment. 5 lacs stamp duty and other charges so total 17lacs cash in savings account. Then you need 70,000₹ per month salary to qualify for 48 lac loan. Starting starting suppose its 50k even then he will be able to save not more than 3or 4 lacs per annum. It’ll take atleast 4-5 years just to arrange that down payment. If he has no support from his family. So yeah there’ll always be tenants
Sir can you make a video on new policy about builder floors , that only one person can buy it from owner and can't be shown as independent builder floors..
Thanks Sir, surely buy. Please guide which is better location to buy society flat Noida, Faridabad or Gurgaon. Currently residing in Delhi and office in Gurgaon
First video I have seen on rent vs buy Jo binal excel k actual gyaan de gaye..👍🏼👍🏼 Realistic scenarios discussed without hypothetical calculations 👌🏼
bina excel ke 😅😅, quite good
😊
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Rent Vs. Buy...! Well explained...!!
Bade bade colleges aur Universities se jo MBA kartke aate hain wo aaj kal youtube per puraane gyan ko bekaar bata kar Rent per rehne ki sallah dete hain. The young generation does not understand the value and sanctity of a HOME. Probably, most of them can not and will not afford them, as you rightly said.
Yours is the best video I have ever seen addressing the eternal question of Buying versus Rent with so much clarity and practicability. Take a bow Sir from my side and tons and tons of Thanks for clearing this matter for one and all.
I loved the line of yours- yea tera ghar hai, ye tere paise hai aub mujhey Jenay Dey 😀💝can totally relate to it
really 😂😂😂
Buying is better in every way u discussed nd makes you happy, besides it's about freedom of a family . It lessen BP
Since my childhood Iam of this opinion.....
That is why I could make an independent home and living happily with my family.....
Logical explanation.I agree with you..I have practically done the things on the same lines..
Dil ke arman video me utar diye aapne Sir. Truly Amazing!
Ankur Warikoo ka Rent VS Buy ka stupid comparison dekhne ke baad mere dimag me bhi kafi same arguments aye the...
excellent informative video.
that slide showing concept is 100% true. using Paper and pen helps our mind to understand the things in very positive way.
Sahi bole sir SIP disciplined ho ya na ho but EMI pure discipline se katta hai.
Sab financial advisors 20 year loan ka calculation karte hai but banda prepay karga rent kamayega capital appreciation hoga ye koi nahi karta.
Bas SIP vs EMI par bolte hai
Practically I know many people whose wealth grown by 1 crore+ due to real estate appreciation.
Although I haven't seen a single person who has made 1 crore profit in stock market.
This is my personal real experience & not a theory.
I recommend to do this experiment. Just get info from your own friends, relatives & draw your own conclusions.
Fantastic discussion, gives a whole new perspective
Wah uncle ji...most practical advice di aapne.
Thanks Amit sir, for providing such valuable information.
Pls make a video on communication gap in couples especially when male is of aggressive nature
Well said sir
House is like a insurance and securing well being of one self and his/ her family
Mf and other investments are only to beat inflation 👍
Its a horrible situation in Delhi/NCR in any place where you are purchasing things from builders both in high rise buildings and in independent floors. The quality of construction is extremely poor - within purchase of 1 or 2 year you will start facing problems of seepages, cracks and plasters falling apart......The final finish is being made so attractive that innocent buyers get trapped and valuations (By builder) are kept so high that once you have purchased a property (Independent floor or flat) then in next 5 years also there is no or minimal price appreciation. There is no point in buying a property for investment purpose as returns are at the max. 2% to 3% only.....while stress of maintaing it is too high. Better keep money in Bank FDs and easily earn 7%+ interest easily these days.
Property investment is a waste of money now.
यही मेरा भी सोचना है,क्योकि घरों की quality इतनी खराब है कि वो 20,25 साल रह ही नहीं सकते,फिर क्या फायदा
If everyone buys 2 to 3 flats, who will come to take house on rent. We will be paying property taxes, Maintainance charges, Painting the house etc. Etc
😂😂😂wah yar....mahan log hai iss thread me to
Mahan nahi hai sachai bol rahe hai
Property builder or broker makes money and we loose
Best video sir…what a practical way of tells things..amazing amazing
Nicely explained sir thank you for eye opening
I am on rent last 5 year by rent not only constant but it lower than now from COVID. I hv purchased property it takes huge stress .
Best analysis
Thanks for sharing and educating us 🙏
You have addressed this topic in a proper manner 👍
Ultimate, immense learning Sir.. !! Thanks for yours Valuable time & knowledge for making our lives including intellect better...
These financial influencers give half baked insights. In my MBA class we learnt the value of real estate investments over time
Thank you so much!
Why I didn't find you all this years. May Allah bless you ✨️
Sir you speak very direct
.....am liking your videos
Your knowledge is very valueable
Great 👌
Very Realistic Arguments
Thank you sir...B
Gazab aapke thoughts bilkul meri tarah hai
I completely agree to your points
ye ghar hamare bachchon ke sar par chhat hai so must buy 😊🙏
Ek kahavat h "liktam k aage baktam ni chalti".
Uncle ji ka kaam h baktam vala.🙏
Have you considered the depreciation of flats? How many years it takes to reduce the flat to almost inhabitable?Have you considered the cost of redevelopment after X no of years? Have you considered that the builder might give disproportionate amount of Undevided share in land?? you considered that builder might not give value for money flat by using cheap material?
Excellent 👍👍
flat purana ni bikta...
Nice video sir 👍!!! Very true
Aap ka knowledge up to next level hai sir
Well said sir!
Mutual fund me 1 crore milenge 25 saal baad. 25 saal baad 1 crore aaj ke 18 lakh ke barabar honge
Your depth of knowledge is great
Your knowledge is very good Sir thanks for your valuable suggestions it will really help 🙏🏻
Great video
When I watched videos by those who recommend mutual funds, I did think of some of these points, like an increase in rental value and salaries. But I also assumed that I may be missing a point. Aapne toh mere soch ke chakshu hi khol diye. Toh finally baat yeh hai ke sab kuch returns aur paise ke baare mein nahin hota. Family ki security wali feeling bhi important hai jo apne ghar se hi aati hai.
Doesnt make much sense.
A decent flat in gurgaon will cost somewhere between 1.5 cr to 2 cr. With 20% down payment, you’ll be taking a loan between 1.2 cr and 1.6 cr respectively. Emi on the loans will be 97k to 1.29 lakhs/month @ 8% loan rate.
Same flat you can rent between 25k-40k/ month. How you will justify the spread here?
On top of that you might take 15-20 years to clear the loan and these days construction quality is going down only which will make that flat unliveable.
First remove the black money involvement in real estate prices so price can come to justifiable level. Youth are wasting their prime investable years in paying off emi and dreaming of early retirement without any considerable financial assets.
You give me explanation for home purchased after 2010 and tell me how many percentage rent is coming and how it is advisable
kya baat hai sir, this is what I tell everyone home is a need
The finfluencers try to oversimplify everything and in doing that they are giving incorrect information and advice to the financially illiterate audience, such honest advice of yours is really amazing
True story Sir....
Why not both in balancing/cyclical way....
Real Estate + Equities
Buy. Any time
I already have a flat . And have 2 kids. Hence if i buy a flat now in NCR as an asset for their future , will it hold good for them in future ?
Thank you so much Sir :-)
Your videos are awesome
Practice baat kahi aapne.
One should buy flat or standalone home ??
Great regards from dr Heera Lal dayma MBBS dausa
Best rent vs buy video
Very very nice and beautiful
Congratulations for 15k subscriber
Thanks
Options are the insurance.. for stocks..
Bt sir.,ab tu baar baar k lockdown ar ressetion ki wajah se EMI bhrna bhut mushkil h...means ..gher tu lyliya..armano wala..bt naa bech skte h naa EMI..So?????
Always buy a house and asset
Absolute clearity
Buy
Also govt give 2.67 L subsidi for purchasing Home.
Ur videos are ver realistic
sir aapke through multiple sector ki knowledge aati hai 👌
👍👍
Good vedio...
🙏🙏🙏🙏🙏🙏
Don't buy if you already have a flate for your own use .
In the case of Noida purchasing flat means like purchasing a car.
Good clarity on having house.
Thank you Sir, I will go for B
I stay with my parents in relative big house, they wont shift with me in relative small house, please suggest. I have few small plots. Please suggest
Sir-
Ur examples are original & sooper…
Sir ji namaskar mazza aagya💐🎊💐🎊🤣🙏🏻👍
Pranjal Kamra making same video again.....Aakhir Guru to Shuru main hi bata deta hai
Buy
Video start hone se pehle hi Andrew tate ka add aagya😂
sir ye palam vihar aur new palam vihar ke bare me kuchh bataaiye
Ji le apni zindagi Simran😂
Very intelligent analysis
B
If everybody buy, them who will come on the rent. Well yes, I always buy as jaat's love to buy land
Every one can not buy. Next gen will not be able to afford
Reality is everyone wish to buy but most of them can’t afford to buy so they’ll rent.
Currently 2bhk in an average area cost 50-60 lacs
You’ll need 12 lac cash upfront for downpayment. 5 lacs stamp duty and other charges so total 17lacs cash in savings account.
Then you need 70,000₹ per month salary to qualify for 48 lac loan.
Starting starting suppose its 50k even then he will be able to save not more than 3or 4 lacs per annum.
It’ll take atleast 4-5 years just to arrange that down payment. If he has no support from his family.
So yeah there’ll always be tenants
Perfect calculation.
Good show.
You can connect with me on whatsapp 9911702005
@@ajayyadav4473 good one
@@ajayyadav4473 and the property prices appreciate while you arrange this down payment and the saga continues...
Great explanation! Chaksu kholne wali!
Well done sir 👍 you are next level
Roti Kapda Makaan. Itna kaafi hai.
Tau bahut acha gyan deta 😀
B ...im always at B
Income tax rebate to rent bhi milta hai
Sir aap pehle kahan the. Aapko shashtang namaskar! Your Every word is a gem.
Sir can you make a video on new policy about builder floors , that only one person can buy it from owner and can't be shown as independent builder floors..
Pp
Well done haryanvi boy...
Apne flat ka khud owner hona sahi hai small ho large
B
Verynice video 👍 bhai We rent a house or buy a house
Thanks Sir, surely buy. Please guide which is better location to buy society flat Noida, Faridabad or Gurgaon. Currently residing in Delhi and office in Gurgaon
Obvio Gurugram