முட்டாள்தனமா ஹௌசிங் லோன் பத்தி நிறையபேர் வீடியோ போடுறாங்க... அதுல இதுவும் ஒன்னு... 25 வருஷம் முன்னாடி 35 லட்சம் சொத்து வாங்கிருந்தா இப்போ கொரஞ்சது 3.5 கோடி இருக்கும். அத calculate பண்ணவே மாட்டாங்க...
நண்பர்களே.....முடிஞ்ச வரைக்கும் கடன் வாங்கறத குறைச்சுக்கோங்க......ஒரு அவசரம்.....மருத்துவ செலவு நா வாங்குங்கள். வீடு கட்டணும் நகை வாங்கணும் னா. சேர்த்து வச்சு கட்டுங்கள். ஒரு 3,4 வருஷம் வாடகை வீட்டுல இருந்தா ஒண்ணும் குறைஞ்சுடாது🙏
@@spplittletwinsstars சகோ.....நீங்க சொல்றது சரி தான்....அதுக்கு பேரு பணமதிப்பு குறைதல்.....அதுல நமக்கு எந்த பாதிப்பும் இருக்காது.உதாரணத்துக்கு நான் 7 வயது இருக்குறப்போ ஒரு பவுன் 6000 கு வாங்குனோம்.அப்போ ஒரு நாள் கூலி 45 ரூவா.இப்போ ஒரு பவுன் 45 000 கு மேல.... ஒரு நாள் கூலி 500 ரூவா....ரெண்டுக்கும் உள்ள கூலி நாட்களை compare பண்ணி பாருங்க
Inga pathi per kadan vangi veedu katrathu marriage panrathukuku tha...veedu illana ponnu thara mataranga.... First education loan....apram marriage selavu...apram kolantainga selavu...apram appa amma medical expenses ....apram retairement savings...life total gaali...no enjoyment....intha gap la apo apo sarakadicha pondatinga namba la tuki pottu adikralunga😢😢😢😢
What he is saying is correct. Initially banks were not allowing to do minimun payment as part payment. Now they don't have such rules. But usually it's good to combine 2 emi's atleast in a year to prepay the amount
Bro idhula innoru vishyam... intrest rate changes... Intrest rate float la tharuvanga certain period la marum...nama palaya intrest nu nenachi pay panna adhu pudhu intrest rate ku calculate panni vadiku kutty kuttyku kutty nu ethi vitruchu
Hey bro, appudiye entha tax savings schemes la ethu elm best nu oru video podunga. I know new tax regime came with 7 lakhs limit. But i think old is much better. If possible pls do a video about it
Hi senthivel, Thank you for your feedback. All of recent videos comes with English subtitles(>25 as of now). You can check out the recent videos, Gopal.
Loan agreement 🤝 la sanction letter charges terms and conditions irukum atha nalla engineering or banking therinja friends kitta kuduthu padikka sollunga. 1 year la 25 % varaikum asal (principle) kattalam. Without charge. So please read carefully your loan agreement and sanction letter. You can close the your loan in 4 year. It will benefit more than this video information.
hi sir. ,very informative thanksss,, na ippo 10000 kattitu iruken enral next Month na 20000 k or above kattalama ? and from my first instalment la irundhu kattalama ?
You can pay your actual per month EMI (50k) like a part payment at the beginning or split your actual EMI / 12 ( 50000. /12 = 4166) and pay 4166 every month before ECS triggered Correct me if I am wrong.
If you split it will be used for mostly interest and few for principle. If you do full part payment it will be 100% reduced in principle. But following both methods will be beneficial too
In the span of 25 years, 46 lakhs is literally nothing, Please gain some knowledge before you preach others. Consider the inflation. If I'm not wrong at the end of 25 years the 46 extra lakhs would be valued around 10.5 lakhs plus your getting tax benefits from it. Please do correct me if I'm wrong
Bank la poi katanum home loan department la kelunga extra emi katanum adha next month emi ku adjust panidathinga nu Solanum ilana next month emi eduka matanga
Sanction letter ah bank la iruthu vangittu atha back up ah vachi part payment 25% varai pay seiyalam. Without any charge. Contact bank person nicely they will help .after 🙂 understanding your situation they all also a humans 😊.
Bro na bajai finance la 168000 personal loan eduthuda bro ippo variyem na 7 emi kattita monthly 7120 Katra ippo na epdi na bajai la irunthu epdi na veliya varathu konjam solluga brother
Bro oru hlp Na bike loan finance la vaanguna Ipo loan finance mudinche NOC Ketta ipo thara apo tharannu ketathatta oru varshama ezhkadikerannunga broo ena pantradhu adhu yadhavadhu vazh irukka
This guy is talented.... Many ppl copy finance with Sharan... Not that much clear on info thy shared but he is clear and confident on wht he say✌🙌👍
Super bro very very useful msg
முட்டாள்தனமா ஹௌசிங் லோன் பத்தி நிறையபேர் வீடியோ போடுறாங்க... அதுல இதுவும் ஒன்னு... 25 வருஷம் முன்னாடி 35 லட்சம் சொத்து வாங்கிருந்தா இப்போ கொரஞ்சது 3.5 கோடி இருக்கும். அத calculate பண்ணவே மாட்டாங்க...
Yet he is still not that much rich 🗿🌚🌚
@@narutofanyt7337money doesn't require to be talented 🤦🏻♂️
நண்பர்களே.....முடிஞ்ச வரைக்கும் கடன் வாங்கறத குறைச்சுக்கோங்க......ஒரு அவசரம்.....மருத்துவ செலவு நா வாங்குங்கள். வீடு கட்டணும் நகை வாங்கணும் னா. சேர்த்து வச்சு கட்டுங்கள். ஒரு 3,4 வருஷம் வாடகை வீட்டுல இருந்தா ஒண்ணும் குறைஞ்சுடாது🙏
Idha Ella wives kum solllunga bro
@@Nidheesh999ify😂😂😂
Athukulla veedoda vila yengayo poeirum bro..
@@spplittletwinsstars சகோ.....நீங்க சொல்றது சரி தான்....அதுக்கு பேரு பணமதிப்பு குறைதல்.....அதுல நமக்கு எந்த பாதிப்பும் இருக்காது.உதாரணத்துக்கு நான் 7 வயது இருக்குறப்போ ஒரு பவுன் 6000 கு வாங்குனோம்.அப்போ ஒரு நாள் கூலி 45 ரூவா.இப்போ ஒரு பவுன் 45 000 கு மேல.... ஒரு நாள் கூலி 500 ரூவா....ரெண்டுக்கும் உள்ள கூலி நாட்களை compare பண்ணி பாருங்க
Flat velai apidiye dhan irrukum. Resale flat will be same. No hike...@@spplittletwinsstars
Inga pathi per kadan vangi veedu katrathu marriage panrathukuku tha...veedu illana ponnu thara mataranga.... First education loan....apram marriage selavu...apram kolantainga selavu...apram appa amma medical expenses ....apram retairement savings...life total gaali...no enjoyment....intha gap la apo apo sarakadicha pondatinga namba la tuki pottu adikralunga😢😢😢😢
Nala news solringa bro....
channel develop aganum.😊
Vazthiyatharku, Romba nanri, sister 🤩🙌
Bro extra 2 EMI kattalama ila 1EMI dhan katanuma
Any finance or bank not allow to pay 1 EMI amount for principal deduction. Min 3 emi or 50k which ever is lower to make loan part payment..
Exactly save some amount and do a part payment every year
வருடத்தில் 24000 ,etf ல போட்டு இருத 25 வருடத்தில் 19,00,000 வருமானம். இதுதானே நண்பா லாபம்
உங்க videos மிகவும் usefull aa irruku thambi
Nanri, Anna
🎉வருசத்துல எக்ஸ்ட்ரா ஒன்னு எப்படி
Knjm slow a sollunga onumey purila... Total a ivaru evlo panam kattiturukaru
What he is saying is correct. Initially banks were not allowing to do minimun payment as part payment. Now they don't have such rules. But usually it's good to combine 2 emi's atleast in a year to prepay the amount
No 👎 we have solutions read carefully the loan agreement and sanction letter.
Needful short. Thank you for letting us know.
Idha pathi innum konjam detail ah slunga bro
Long form video potudre, Subash🙌
Yes bro really need that explanation
@@aravindkaasu thambi endha bank da 13 emi ah katta uduraan.. thelivaa sollu shorts kaaga adichu udaatha..
@@tylerdurden12canara bank allows
Save and pay as part payment once a year
Mudicha varai loan vangathinga nanba...pinnadi veedu sales pannitha loan settlement panna mudiyuma
Am working in banking sector..it's really true bro..
Antha extra emi ypti pay pantrathu
Extra 2 or 3 emi kattalama bro
Bro antha mari ethana EMI oru varusathuku Katta mudiyum
@@ananthsubramaniam9285as many as you want. But check with bank on prepayment penalty
Ethana emi vena Katalam or part payment ah oru amount katunga
Mini version of Anand srinivasan. All your videos are really useful. All the very best brother
Actually its vey true... Even i realised this after long time... Thanks Aravind..
இத எந்த bank காரனும் சொன்னது இல்ல bro ...nice explanation but oru brief video போடுங்க bro
Edha avangata keta nanga sollama irrukuradhu nala dha bank ae run agudhunu solluvanga😅
நான் ஒரு லட்ச ரூபா மொத்தமா கட்டும் போது அந்த ஒரு லட்ச ரூபா அசலாக கழியுமா இல்ல வட்டியில் இருந்து கழியுமா இல்ல ரெண்டுமே சேர்ந்து கழியுமா
இந்த முறையை பர்சனல் லோனுக்கும் பயன்படுத்தலாமா
Bro idhula innoru vishyam... intrest rate changes... Intrest rate float la tharuvanga certain period la marum...nama palaya intrest nu nenachi pay panna adhu pudhu intrest rate ku calculate panni vadiku kutty kuttyku kutty nu ethi vitruchu
Ama, Vaishnav. Nama Bank la poi inform panna dan REPO rate reduce pana aprm namakum panuvanga
Hey bro, appudiye entha tax savings schemes la ethu elm best nu oru video podunga. I know new tax regime came with 7 lakhs limit. But i think old is much better. If possible pls do a video about it
Bro is this only apply for home loan or can i try this in my education loan?
Bro...ur info is very use full....u speak tamil...
So change ur subtitles to English ..so other than tamil ppl will understand....
Hi senthivel, Thank you for your feedback. All of recent videos comes with English subtitles(>25 as of now). You can check out the recent videos, Gopal.
MS Education loan க்கு இப்படி ஏதாவது இருக்கா தம்பி
Give details on how to pay that extra one month
Loan agreement 🤝 la sanction letter charges terms and conditions irukum atha nalla engineering or banking therinja friends kitta kuduthu padikka sollunga. 1 year la 25 % varaikum asal (principle) kattalam. Without charge. So please read carefully your loan agreement and sanction letter. You can close the your loan in 4 year. It will benefit more than this video information.
Idea la nala iruku..bank policy understand panikitu content podunga.. most banks charge extra charges for any part payments
Bro ennaku oru help lic ippadi eppadi katta mudiyum please help pannuga
Good job brother. RML loan pathi konjam sollunga. My parents applied RML and not clear about interest and all
Hey guy naa onnu sollata
Naa 11th la kooda pure science tha edutha enaku maths la varathu
Neenga etho solringa nu theriyuthu aana enna soldringanu enaku purila guy.
hi sir. ,very informative thanksss,,
na ippo 10000 kattitu iruken enral next Month na 20000 k or above kattalama ? and from my first instalment la irundhu kattalama ?
Bro car emi indha mathiri pannalama.., illa only home loan mattum dha na
Narambu thalarchiku dr. selvar anugavum.
Bro unga Modiletion mattum konjam kammi pannikaga bro
Sriram loan la extra pay panna mudiyuma
அது எப்படி கட்டமுடியும்..?
Bro already personal erutha.. Thirumba vanga mudiuma loan?? Pls solluga bro
You can pay your actual per month EMI (50k) like a part payment at the beginning or split your actual EMI / 12 ( 50000.
/12 = 4166) and pay 4166 every month before ECS triggered
Correct me if I am wrong.
If you split it will be used for mostly interest and few for principle. If you do full part payment it will be 100% reduced in principle. But following both methods will be beneficial too
Useful thambi ... Thank you
It's a totally wrong statement, Pay emi as low as possible.. so that you can invest where u can get more than 8percent
12 EMI பதில் 13 EMI கட்டுவது எப்படி விளக்கம் தரவும்
One month ku 30 to 31 days Max ana neenga emi 28days plan eduthinga na 13 months calculation varum so 13 emi
Itha yapdi change panrathu nu sathu sollugka
Ipo oru oru months um emi amount vida adhigam katalama? Apdi katunalum principal amount koraiyumla
Worth info. Neraya per ku teriyathu idhu!
Seekirama loan eppudi mudikurathunu sollunga bro
yaru pa nee yanga irruntha evalo nalaa .keep doing surely u will achieve
🤩 Thanks a lot for your blessings, Sherif anna🙌
Oru emi extra katradhu better or amount extra irukumbodhu apapo poi principle amount la reduce pani katradhu better pls explain
Neenga Katra 2ume principala reduce panum, Indhu🙌🏻
Bro enaku plot loan vaanga ethachu best idea kudunga bro
Antha extra emi ah epadi da katrathu.. therinchavan evanathu solungalaen da... Mudiyalada sami...😢😢😢
Personal loan patthi sollunga Bro
Good you are improving well
Two emi pay pannalama....!?
Yes, Suga
Namba extra EMI Katalama full vedio podunga
In the span of 25 years, 46 lakhs is literally nothing, Please gain some knowledge before you preach others. Consider the inflation. If I'm not wrong at the end of 25 years the 46 extra lakhs would be valued around 10.5 lakhs plus your getting tax benefits from it. Please do correct me if I'm wrong
Bro appadiye finance with saran ah copy panrengaley brooo 😂😂👍👍👍👍👍👍
Is it the same logic for car loan bro?
Personal loan Ku ipadi ethachum pana mudiyuma ??
Useful video bro 👌
bro normal emi paka tha tools iruku antha extra oru emi potu check panra mari oru tool sollunga
Eipadi 13emi pay pandrathu , personal loan la extra emi payment panndrathuku aipadi aprroval vagurathu
Idha option home Loan matuma ila ela loan kum indha option iruka bro
Anna please konjam seekram reply pannuga
Epdi home loan 3 months kattama skip pannalam again tirumba continue pannikalam
Bro emi+ some amount pay for every month. Intha mathiri panna mudiuma apdi panna athum asal la dan less aguma??
Entha bank 1emi extra pay pana vaakuraga? Fixed intrest ku 3yr no part payment soluraga. Summa ellarum ethachum video podathiga
How to pay extra emi one upload pannu brother
Home loan mudichathuku apram enna process nu sollunga modt cancel panrathu yar pannau bank side ah
Bro itha patthi full explanation pottunga bro
ellam okay... Ithu fixed interest and floating interest rendukum set aguma???
Itha pol extra evalo emi pay pannalam...
Is this method applicable for car loan?
Vera level bro
Ithu bike loan kum same dhaana bro
Informative, thanks bro
Thank you, Mahesh😍
Downpaymey katuravangaluku epdi bro calculate panuvinga
1 oru emi eppudi extra katradunu evanu solla mattan..... 😢
Per year ku epoyachum ore tym la 2 emi amount ayum serthu pay pananum
Bank la poi katanum home loan department la kelunga extra emi katanum adha next month emi ku adjust panidathinga nu Solanum ilana next month emi eduka matanga
Sanction letter ah bank la iruthu vangittu atha back up ah vachi part payment 25% varai pay seiyalam. Without any charge. Contact bank person nicely they will help .after 🙂 understanding your situation they all also a humans 😊.
Can i get this excel sheet? Or need any online calculator avaliable
It is applicable for home loan only ah?
Thanks thambi
personal loan kum ithu poruthumaa
Aana ella bank layum indha policy irukka enna .....
Bro na bajai finance la 168000 personal loan eduthuda bro ippo variyem na 7 emi kattita monthly 7120 Katra ippo na epdi na bajai la irunthu epdi na veliya varathu konjam solluga brother
Can we do this for personal loan
It's applicable only for home loan or personal also
Vera level bro . 🙏
Varuda end 5emi extra kattinal
ji enoda part amount romba low ah pidikuraga na ena panna, first 2 month matum tha corrct ah pidichaga..
As a Home Loan executive, 1 EMI xtra katrathuku, part Payment pannitu poidlm eh, every month once pay panlm - katra amount principle la reduce avum
ஒரு மாத எக்ஸ்ட்ரா இஎம்ஐ எப்படி கட்டுவது
Appkulaye partpayment option irukum bro ✨
Bro pls explain in detail it will be very useful to all mid class ppl.
Sure, bro
andha extra one emi amount endha month la katradhu?
Manual ah application or bank la poi katanum. Example 12th month 2 emi katanum.
Is that posible to pay on that way?
it is not possible in online...
Not sure about offline...
@@a.imranrahaman550 it is possible both online and offline depending on the bank.
@@a.imranrahaman550 if you're going for idfc, bajaj and few reputed online loan application banks you can pay manually.
How to pay that one month EMI extra?? Adhayum konjam sonengana udhavi ya irukkum
Partpayment option, Jack
😭😭enaku yaen onumae purila neenga solradhu
Kadan vaangunga puriyum
@@levihtkasv adhum correct dhan bro
ethu yella bankum same ahh or private and government have separate rules or no
Nan 2 masam katala ipa over due potrukanga mthly 10000 katren 10 lakshku ipa Nan 13 emi katna over due kuraiuma
What is your educational qualification??
B Tech, Karthick
Is this applicable to non banking institution
Bro oru hlp
Na bike loan finance la vaanguna
Ipo loan finance mudinche
NOC Ketta ipo thara apo tharannu ketathatta oru varshama ezhkadikerannunga broo ena pantradhu adhu yadhavadhu vazh irukka
Super bro
Bro I can't understand, how to pay 13 dues in 1 year clear my doubt
Partpayment, Muthu
apdina varshathuku oru 4 emi extra kattuna
வேற லெவல்
But in hdfc bank we have to pay minimum 3 month emi if we want to pay extra emi ......we cant pay one month emi extra 😭
Emi extra 2 time kattuna innum koraiyumaa