How to GET OUT OF a Rs. 35L LOAN TRAP?! | Money Matters Ep. 9 | Ankur Warikoo Hindi
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- Опубліковано 26 чер 2024
- Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
Join us for a heartfelt conversation in the latest episode of Money Matters, featuring Vishnu, a dedicated medical student navigating the complexities of financial independence. Hailing from Karnal, with roots in Gurgaon, Vishnu shares his poignant journey of pursuing his post-graduation in Anaesthesiology amidst financial constraints.
In this candid exchange, Vishnu candidly expresses the emotional weight of financial obligations, juxtaposed against the aspirations of personal growth and savings. Through his narrative, we uncover the universal struggles faced by many young professionals striving for stability amidst financial challenges.
As Vishnu seeks guidance and reassurance, we offer insights and encouragement to persevere, highlighting the transformative power of resilience and determination. Join us as we navigate Vishnu's financial landscape, illuminating paths to a brighter, more secure future.
Want to join me on the show? Fill this form and my team will reach out to you: forms.gle/uj9JPUBp8Wo9nZQi7
00:00 Introduction
00:29 About Vishnu
01:45 Expectations from the Session
04:08 Current Financial Status
10:50 Loans and Financial Challenges
15:53 Insurance and Financial Planning
20:09 Family Financial Overview
23:00 Coping with Debts and Loan Management
32:45 Addressing Family Emotional Concerns
39:40 Conclusion
#FinancialJourney #MoneyMatters #warikoo
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Money Matters is a series where I have conversations with normal people such as you and I, on your personal finance issues.
It is important to note that I am NOT a financial expert, I am NOT SEBI registered, and I am NOT qualified to give financial advice.
Everything that I say in these videos is purely through my own experiences.
- So these videos do not offer any stock tips, or specific mutual fund recommendations or get-rich-quick schemes.
- I am not selling any product or service through these videos.
- None of the brands that I mention in these videos have paid me to mention them, unless I explicitly say so (and I will say if the video is sponsored).
This also means that my advice may not always be the right advice. So incase I make a mistake, the best way to correct me will be to share your point of view in the comments, so that everyone can benefit from it.
I am not perfect, nor claiming to be either and would love to learn and grow.
The idea is simply to help people with their finance journey and through their story try to help others who may have a similar story.
If you wish to be part of this series, please fill up this form forms.gle/uj9JPUBp8Wo9nZQi7
Buy my new book 'MAKE EPIC MONEY' here: www.makeepicmoney.com/
My Money Apps: bit.ly/3Zg56eR
Start your own business: bigrock-in.sjv.io/6eZ1KK
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Sir I am dr kunal I have mailed you also I am in financial trap pl help me I want to contact you
Brilliant Advice.
Sir pls 40 age ki bhi video banao
The best option in this situation to get out is ......
Sell house to known person at slightly less amount
But asking him that we are going to continue living here and will pay regular rent as per contract
Loans can be cleared and rents can be paid from corps available from selling house
Later in life if they are able to recollect adequate amount they can buy same house say after 10 ys by staying in same house
Clause : You can only sell to someone genuine so that you can live there for couple of yrs for whatever rentals are asked by new owner
*bhai sau baat ki ek baat, pls Pura mat becho bas 1 ya 2floor bech do* my advice for Dr. Sahab
Extremely extremely extremely hard situation. More power to Vishnu bhai.
Most genuine video across youtube in a while with real life problems and real emotions attached to it.
what about farting sound in background ?
his father made a debt around 30 lakhs ! but along with that he gave an asset of 2 Cr to repay it ! great father
And on top of that the medical study expenses, definitely a hard situation emotionally but practical to solve it too
Correction - debt is 50-70 lakhs, watch video again. And there is nothing to be proud of taking 50-70 lakhs of loans to do a business and that to leaving that debt on ur children's shoulders. They r just lucky that they have a house worth this much money. If they had a house worth equal to their loans then they have to live on rent.
Yes, you can see how happy and comfortable position his father put him into.
his brother has chronic heart disease, no money, still have 2 kids, pretty bad planning
I😂x @@gnosticmonad
Stay Strong Vishnu Bhai - A Tough Guy!
Vishu selling house will be the best option as after doing this you may have around 20-30 lacs in hand that will give you fix return and 1 positive thing will be that around 1.80 lacs will be on hand every month so after deducting expenses you might be having minimum of around 50k to 1 lac saving every month and will add to your additional corpus . This will give you freedom to save money and live life ..... Well guided by Ankur , I really appreciate ankur efford
Before closing personal loan please check fore closing clause of personal loan ....
Just curious, Warikoo has 4.5 crore subscribers. What if he gave him 25-30 lacs to help him?
Warikoo must be earning at least 1 crore each month from UA-cam only.
He will at least make 50lacs with this video itself
My recommendation would be - Option 3 you can refinance the loan by converting you loan from personal loan to Secured loan i.e. you can mortgage your house and reduce your loan interest.
Option 4 - As you said your house has mutiple floor and if possible you can sell individual floor. Then you can pay your loans from that.
Option 4 is awesome
That seems like a better option
Option 4 would not be feasible, as in Gurgaon, minimum per sq yd price is more than 1.5 lacs. So his plot size is less than 150 sq yards. And in Gurgaon, individual floors can only be sold if plot size is bigger than 168 sq yeards.
@@ankurjain83 Thanks Ankur for the info. Didn't knew about such regulation in gurgaon. There might be other legal issues as well. So its better take help of an expert.
I think option 3 is better one. As the interest rate would be maximum 10-11%. So his EMI can be reduced.
Vishu is a very good kid. I wish him a lot of strength❤
Here is my suggestion
1. Sell this home at 2.5 Cr
2. Pay off all the loans - left with 1.9 Cr
3. Now no EMI , so stay on rent for 3 years ( 25k Rent + 30k expense )
4. Total income after monthly expense is 1.3
5. Invest 1.9CR flat + 1.3 L per month for 36 months @8% FD rate.
6 after 3 years you will end up at 2.8 Cr back
7. Now decide what to do.
Assuming salary of their son gets increased to at least 20% overall in 3 years.
Too ideal 😂😂
3 years real estate doubles 😅
Dude bechne ki bhi zarurat nahi hai aap use mortgage kar do house ko bank ko aap ko market rate ka 60%mil jayega.agar jitna loan hai utna lijiye agar 70 lakhs lete hain to 70 thousand ka emi ayega or tenure 15 years ka hoga…..aap usme reh bhi sakte ho rent pe bhi reh sakta hai…..aap dono mil k ghar chala sakte hain…..please consider it…🙏
True that's the best thing to do
😂
That's right If house ki Equity line of credit Leni chahiye jo saste rate per milegi
This is such a touching story, literally goosebumps on hearing about the struggle Vishnu is facing in his life! May God give him strength to power through!❤
I can relate a lot with it Vishnu but one thing for sure “ye waqt bhi gujar jaega”
you are the biggest supporter to your family so don’t lose your patience and just focus at what you are doing currently.
I am happy to help whatsoever i can.
We oftentimes underestimate what we are getting and feel like we should get more, but then there are situations like this where one is barely managing to secure his family. I personally believe second option will be the correct choice. All the best to Vishnu and his family. Great podcast Ankur
Vishnu bhai is a symbol of determination and steely nerves! I’m sure he will overcome this and be successful in life! May god bless him and his family ❤
Option - 3: Take a mortgage loan on house for @ 9 - 9.5% to 10% for 70 Lakh, pay all other loans with this loan. The EMI whould be around 1.5 lakh p.m. for 5 year repayment and 95000 p.m. for 10 year repayment against the income of 2.35 lakh p.m.
I was thinking the same whole time while watching the video
We should support this idea
With term insurance if something goes wrong then the term insurance help help them in their hard times
Having own health insurance is very important for everyone one
Best option ever ❤
One of my favorite podcast that really makes sense
best episode in this series @warikoo !! A big callout in this one - handling finances is part of our inheritance as well. Time and again we find ourselves repeating financial errors of our elders. It may look like obvious mistakes to outsiders, but very difficult to break away from. Great episode, very relatable!
Thanks Ankur Sir ,
For these series
It gives others also hope that they can fight too
Have been through this situation… my situation was even worse… but believe me tough times are a blessing builds character and brings resilience once overcome you realise there is no high limit to achieving something high! Only one advice don’t sell the house telling from my personal experience…. Keep trudging along!
2nd option will be best as rest of life can be peacefull.. due to loans so much stress will be there so health will be effected.
As we belong to the same (medical) fraternity, and as a 30-year-old who completed his MD just last year, and is therefore around the same age group, my advice is a bit different. Vishnu, as soon as you complete your PG, join any hospital in as integrated a town as possible (if there is no bond or you can postpone it). It will give you a salary of 2 lakhs per month, can go 4Lakh+ if you do some freelancing. It will not only double your family income but also give you the mental peace of having 15-20 lakhs in your bank account, or one lesser loan to taking care of, which you will need the most while preparing for super specialization. As there are chances that you will get an even lesser stipend during super specialization, you may extend this working period a bit longer too. Buy a term plan with approximately 2½ crores while earning well.
Which hospital give monthly 2 lakh for beginner doctors ???
Great thanx to wariko sir for giving his precious time to solve problems of persons like us.. it is not easy to work for society and teach them.. we all know his time is money ... But giving time to us is absolutely great
I can feel such a hard situation of vishnu, mahakal gives you a lot of strength to get rid out of this tough situation😢
I have to say you really speak the best with great examples and nice words and emotions. You really inspire us just by the way you talk. Thank you for all your efforts
Try to get Aayushman card for ur parents which providers 5 lakhs health cover each & can be used in some private hospitals too. 2 of my family members got free treatment recently on that card , one for heart operation& other for eye
in which state
or kuch karna padta hai card banne ke baad or brief me about it i need it
Mortgage loan will help their family, term insurance and health insurance will protect their family, after a mortgage loan they will have some money even for investment from which they can be happy.
It's useless card don't depend on this scheme AABHA CARD for mahaharastra people..
No, it works My father's whole charge of 4.5 l got paid by that only
You are doing a good job.solving realtime problem.
Waqt ki khasiyat hai- Waqt jaisa bhi ho achcha ya bura... lekin wo gujar hi jaata... so be positive and be strong vishnu 💪💪
Thanks for such an amazing episode Vishnu and Ankoor. All I hope is that you can make it through the situation with your unshakeable nerves.
That entire episode left me with nothing but gratitude for everyone and everything I'm privileged with.
Would hv liked ankur to explore and explain if selling just one floor of the house would be feasible or not.
Hats off to Vishnu for talking about personal financial troubles on a public platform. It takes a lot of courage. Wishing you come out of it soon.
Yeah selling floor in his case could have been a great option ... Vishnu try that atleast and hope u reading the comments.
Generally selling of one floor does gives less price
Vishnuji, aap bahot hi himmat vale ho jo open platform pe ye sabhi share kar rahe ho.....!!
This was exact video I could relate to !! Thank you so much for making this ! Somethings which can't be explained but yet needs solution! More power to you Vishnu bro!
This is one of my 2 or 3 UA-cam comments. Great suggestions to Vishnu Sir as a brother. Heart touching. Kudos to Both Vishnu and his brother entire family for their unity in tough struggling time.
Wish him and his family fast recovery from health and financial problems and wish him happy life what Vishnu thinks and deserves.
Heart touching conversation in financial field ❣️
Option 2 should be the perfect choice for you, considering the immense amount of tension you and your brother are facing with his chronic illness. It's much more viable to sell the house and receive a lump sum of money to sort out all the loans. Vishnu, you and your brother are true fighters, and as Ankur mentioned, assets like these are meant to be a savior during such crucial times. You never know what tomorrow holds, and being a doctor, you'll also agree that illnesses don't come after giving you a heads-up.
Yes, you might have a lot of emotions attached to your house, but at this time, you have to find a clean way to clear up everything and lead a tension-free, and most importantly, safe life. That will be my suggestion for you, brother. Stay strong, and everything will be fine.
Good suggestion
It's not easy everyday it's a night mirror
What if something goes wrong it will be hell then
Best episode ever…love u warikoo sir
Such a very informative and genuine podcast ever ❤thanks bade Bhaiya
God bless him & his family.
Relatable
At the age of 26 I took the responsibility of my family business which had a 78L loan.
With a family income of just 35K only through business.
65K I use to pay purely interest.
Only having an asset of 20L small house.
Now age 29 i got a job of 12LPA and i stabilise the business and now I have loan of 60L.
With a family income reaching 2L.
I Paying 1.2L as EMI and interest.
I feel it’s part of life if u don’t have problem then ur life is boring
Kudos to Vishnu!
Keep fighting brother, it will get better.
Stay strong, you'll get through it❤
Kudos to Vishnu and his braveness to share the details openly. Tons of thanks to Ankur to listen to him patiently and think like his own problem. This is going to help many people. I only subscribed to Ankur's channel 3 days back and now this has become my primary school for my financial education.
I knew how to solve this when u asked the value of the house,the problem arises when your liability exceeds far bigger than your assets
So beautifully advised ❤
Vishnu , more power to you! Strong lad. Things gonna recover soon. All the very best❤
This is one of the excellent & most required series sir especially for our Indians. Great initiative. Thank you so much for your most valuable service. 🙏🙏
Hard role always goes to the best actor.....you are the real architect of your life....i know very well that you play like a champ.
Never lose a hope...1% hope is always burdens on 99% of ur problems. Be patience, be consistent!!!!!
The best show you did till this day. 👍
I pray Vishnu will reach his career destination and be able to buy back the same old house which he will be selling. Jai Shree Ram
Ankur you are genius. the way you helps ppl getting out of such big issue is tremendous. Great journey 👍
Option 3 should have been discussed to convert all PL's to LAP (loan against property). His ROI over 35 lac would fall down to under 10 lacs and would have saved 1.5 lacs in interest itself. This 1.5 lacs can help repay loan faster and instead of 5 years, loan can be repaid 1-1.5 years faster (or this 1.5 lacs of interest saved every year can help him & his brother take Term & Health insurance and build a small emergency fund). Mr. Warikoo, I expected better financial planning from expert
super relatable and going through the same, I don't feel like writing more. Thanks for this video.
Kudos to Vishnu.
Keep it up.
I really admire the way he is holding everything firmly....
Tough situation man, Sicerely hope you get out of this and start living a peaceful life. All good wishes to you.
Very touching. Hope things shine bright for you fast enough ❤
Vishnu some how you missed the part that you are a Doctor,after pg if you do super speciality your Income will be nothing less than double or even more than double of your current salary. Don’t hasten in selling your house.Just wait for a year or two. The best is for time being take insurances for you and your family member who so ever is eligible. Also dont forget a medico most likely marries a medico which means you will have a great support from your partner as well. Plus just one last thing have faith on your degree bro,it is just a matter of 2/3 years and that 8/9 years of hard work in college will reap you result in leaps and bounds.
Hiii sir
I just passed my mbbs from IMS,BHU
I can completely understand and relate to what you just shared
Thanks a lot for doing this
I just want to suggest.....
Why don't u just sell only one floor of ur house and continue living on whatever floor u r living in
At least uncle won't feel completely detached from what he had built for you.....
And assure him that once you start earning well .... which I'm sure u will....
U will buy back that floor.....
Just a suggestion consider this if possible
Because u never know the emotional repercussions on parents after selling home ( its not just house)....
Fortunately u have an option to sell just one floor
And yes Vishnu bhai ur family is with u.. u all are one so u all will solve it soon...
Sab thik ho jayega Vishnu bhai !! Stay strong 😊
I can relate to the situation. Stay strong, Vishnu, and everything will be fine. Please check if you can take a loan against your house, as it may have a lower interest rate.
I am sharing my thoughts; please don't take this otherwise. This is for other viewers and Ankurji: Can we help Vishnu within whatever limits we can? As I can see, there are 94k viewers who have already watched the videos. If each of us contributes at least 10 Rs, approximately 10 lakhs can be raised, which may help Vishnu in some way or another.
Bhai his family income is 2.5 lakh and asset worth 2.5 cr he is already in top 5% of India population ab kya donation doge
Jo ho chuka, wo ho chuka. Please still respect your parent. As some in this situation make our parents feel guilty for all that everytime.❤
Option 2 sounds the best since it’s easy to start from zero as opposed to being in such heavy debts. He is anyway a doctor and will progress a lot in his earnings. It’s easy to start from zero as opposed to being in negative figures
Just for my information, in case of option 2, should we also need to consider taxes for selling house (property gain)?
more power to u vishnu bhaiya ... hope everything will be fine soon
Vishnu bhaiya apko aur apke bde bhaiya ko mai salute krta hu jis trh apne aur apke bhaiya ne sb chizo ko smbhal rkha hai salute hai mai bholenath se prathna krunga ki uncle aunty jld se jld thik ho jaye aur sath me apki sbhi preshaniya bhi jis trh aap apni personal chizo ko leke compromise kr rhe ho sch me ye ek acche bete ki insaani hai
Gentleman believe me, you are getting training in your situation and believe me you will never fail in life after learning by situation.
You will have a great future and very rich in life. I can relate with you and I know how this learning is going to help you in life.
I can totally relate with Vishnu ji , it's really hard but there's something inside you which is far more powerful than anything in this universe 😇💪🏼 stay strong Vishnu . Thank you so much Ankur ji for your wisdom and knowledge .
Extremely hard situation. I pray that things get smooth soon.
Sir with due respect I have 1 small suggestion. Vinshu can take education loan for college fees and can use 10k which he is keeping aside, to pay loan fast or anything else more important.
Thank you for sharing your experience and knowledge ❤
Doing a good job Vishnu, hope things get better very very soon
Great advice Ankur.
Wishing best to vishnu...life is difficult...most genuine video...real life and real problem..great podcast
BIG RESPECT TO BOTH OF YOU FROM THE HEART, VISHNU AND ANKUR FOR BEHAVING LIKE A OWN BROTHER RATHER THAN FIN INFLUENCER.
Big respect to you vishnu & your family & brother... Please do that what ankur sir.. and we want to see you again after one year ... 🙏🙏🙏🙏
Truth always touches the hearts ❤️ Advice is great he should aligned to the advice
thanks for this series, very sobering
Ankur Sir, I'm happy you are solving complex issues with simple approach. I'm learning so much
Glad to hear that
Hats off to Dr Vishnu...This man has nerves of steel and facing such circumstances so bravely. Hope you keep on going in life strongly and God shows his blessings on you as soon as possible.
Salute to vishnu, u r the great warrior, u have choosen to stand with your family situation and handling it ..i also have same situation but not as you, but i can relate and understand your feelings...😢😢
Vishnu bhai stay strong you represent all the middle class boys out there. Bas or thoda din mehanat kar lo bhai sab sahi ho jaega 🙇🫶. Never give up bhai 👍.
I would suggest to get a loan against house at a lower interest rate and payoff all the loans and then pay the remaining housing loan slowly & steadily with lesser EMI & simultaneously live your life happily.
My suggestion would be "take loan against property". Intrest charges may be around 10%
Hi Vishnu, you guys are doing a great job looking after your parents and the finances. For your financial situation I assume the overall loan is about 12.5L + 10L +35L which comes into 52.5L. You can opt for mortgage loan it would be around 9.5 to 10% with 25 years if you take 60L it be around 55k per month. If you pay one extra emi every year and increase your emi payment by 10% you can close your loan in 10 years.
i can very much relate to him. i have been through such situations, i was trapped in the personal loans, at one point, i have to pay 13 emi in a month.. sleepless nights, health issues all trapped me😢
You are best teacher for me❤
Aidi financial situation me se bahar niklne ke liye first koi aapki help kr rha hai to dil khol ke sach bolna chahiye and dusra fight krne ke liye guts chahiye tohi crisis se bahar nikl sakte ho.
Kudos to Vishnu for discussing the problem of many through his own story & thanks Ankur sir for bringing out such issues in public for awareness.
A lot of earnings get lost in the Interest. Its a big Trap that people get sucked into.
Lending Banks are too clever that they are try to clear almost entire Chunk of Interest amount in first 1-2 years itself.
Banks make thousand crores in profits every year from people’s money while those families are in so much pain and stress. Some end up committing suicides at times.
Easy monthly Instalments or ease of access to loans does empower the common people but we need some solution where the exploitation by Capitalism can be controlled.😮😮
I think selling off house will give him better life . Also he will be free of mind also and a free mind can think further things in future. Its a Hard descision to take but it will give a breathing space . I hope he get all the courage and God Bless❤️
More power to you Vishnu!!
best video on youtube ive watched in the recent times
I feel like i am quite lucky man, although they have high income than my family but we have stability….stay strong brother you’re a brilliant person both as a son and a doctor….believe in yourself and god and keep going hope so everything gets sorted in no time 🙏🏻
I am more concerned for his elder brother. His income is only 1 lakh. Already has two kids + 1 on its way. Age just 32 already has a heart condition. God why ?
Brilliantly done by warikoo
Ghar bechana wali sir ki idea great hai ❤
Great discussion to handle financial crisis! Willing to see your suggestions for loan settlement & looking for extra income somehow in this kind of situation!
🙏all the best and hope for the best for you brother and your family.
Vishnu bhai everything will be fine. Jai mata di 🙏
Wonderful real life stories. This is the way you have to present real stories with current situation.
According to me, no matter what is your qualification or profession. Everyone in this world should know what is personal finance. I would say personal finance is a ART.
UK government is going to implement in school level regarding personal finance. I recommend Indian government should also bring personal finance in our curriculum.
Best of luck my friend. No worries, you can bounce back.
Good luck.
Will pray for him. And surely he will come out of bad loans. Bad health related issues will be stabilised the moment stressful situation goes. Out. And of course Vishnu being a qualified Dr can regain all the losses.
Huge Fan Ankur Sir, Appreciate your work and thank you for that Sir.
All things apart exactly told by wariko sir that an asset is something which will help u in ur tough times... And yes Vishnu bhai is in but after selling it from gurgaon he can take a home in near by ncr area in near about 70-80 lakhs and yes big house it will be.. and all his loan and problems will also solve.. most important he will be mentally free and his family also will
After watching these videos I feel so lucky being the part of 1percent because of my mom and dad ❤❤