வாடகை வீடா? சொந்த வீடா? | Buying A House VS Renting A House | with English Subtitles
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- Опубліковано 28 вер 2024
- It's always a Dream to own a Dream House for many, while some feel unsettled until they own a House. But is it really worth owning a House, with Loans and EMIs and Struggling during the Loan Period? In this Video, Mr. K S Kishore Kumar discusses, how one can be more Financially free without owning a House while other Struggles with an Owned House, Watch the full video if you`re planning to get a House.
Renting or Buying a House Excel
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#financialfreedom #rentingvsbuying #investment
இருக்கிறவங்களுக்கு காலத்துக்கும் ஒரே வீடு இல்லாதவர்களுக்கு புதுசு புதுசா ஏகப்பட்ட வாடகை வீடு 😅🤣😂
எனக்கு திருமணம் ஆகி 13 ஆண்டுகள் ஆகிறது இதுவரை நான் 15 வாடையை வீட்டில் இருக்கிறேன்என் கமெண்ட்டை படிப்பவர்கள் இறைவனிடம் நான் கூடிய விரைவில் சொந்த வீடு கட்ட பிரார்த்தனை செய்யுங்கள்
@@beebeem.saibana1651 Thanks for your prayers 🙏 சொந்த வீடு கூட வேணாங்க கடன் லோன் காசு கஷ்டம் இல்லாத வாழ்க்கை இருந்தாலே போதும்....
Bad dept is not good invest your money grow well 🙂
Kastama vishiyam ahh azhaga solitinga
நடிகர் செந்தில் வாங்கிய வாழைப்பழம் விலை?
சூரி விற்ற வாழைப்பழம் விலை?
மாற்றம் ஏன் கண்டுபிடி அனைத்தும் புரியும்.
Eye opening video for many sir. Especially for people in Tamil Nadu thinks own house is pride and should pay emi for rest of the life without any savings.
For this video many Banks would start hating u sir. 😂😂
Thank you, love and respect from Chennai 🙏
Appreciate the efforts in making this video.
Some additional insights for newbies:
1.There is no guarantee that SIP will provide 14% return YoY. It can also be increased or decreased.
2.10% tax applicable for SIP & lumpsum returns which should be deducted in final calculation.
Finally, House you bought for own living should be 1st considered as depreciation material and not asset as that depreciation is the value you sacrifice to live in your own house as you like. People's who keep changing rented house for different reasons know the pain of not living in a own house. So take a calculated risk and keep a balance between financial planning and personal/emotional values
Your wish?
@@ganeshbabu5724 I bought an individual house in 2018 with home loan and plan is to close it by 2028. My personal advise is home loan should be closed between 5 to 10yrs.. any tenure more than this mostly end in loss as stipulated in this video.
@@jagandots How to reimbursement your home loan interest - ua-cam.com/video/U0MnUNn9PJ8/v-deo.html
your point 1 is wrong..
@@bhaskarsatheesh if you explain it in detail I can understand better
Ethu varaikkum intha mathari clear ah yaarum sonnathu illa. Very useful for my life sir. thanks sir.
One thing add here, we need to include the tax benefit for home loan and reduce that from total amount for effective calculation just a thought 😊 nice video between 👍
Content is very good👏 but, sip on what? Lumpsum on what? How can we say whatever investment give 14% return? What about tax?
அரைகுறை அறிவு ஆபத்தாகும் 👍
This video is an eye opener to all the innocent people who struck in between the real estate mafias.This is the real plan wow.....Kudos to you Sir.....
my eternal fear is losing my money to mafia...
Yen life la ivlo clear aa teach panra oruthara na paathathe illa, yennaku nalla puriyuthu anna unga video yenakku ippo 18age kooda innum mudiyala, yenakke nalla puriuthu🔥🔥👌👌
After 10 years the rent expenses will be more than 20000 and therefore the SIP amount should be stopped and after 10 years, you need to pay additional amount than EMI. Then it doesn't get the expected amount
S.. I agree
Salary also increase
You missed to tell that house rent will be increasing YoY. It could increase 5-10% based on the owner. It may not increase for first few years but it might increase overall. Also you need to switch house after few years based on family needs, occupation, due to increased rent in the same house. BTW, assuming 14% CAGR looks to be optimistic. It can be lesser also when situation such as corona arrived. But breaking the fund and investing on house seems to be a good idea. Own house is a house where no one can ask us to vacate after few year of staying. Rental house comes with its own cons such as attitude of owner, rental expense keep on increase.
Very true
change the location
14% regular return is not possible
Bro watch full video he increased the house rent 5% every year
Hello sir I agreed with your financial planning. But every year the land rate is increasing drastically. If I spend 2 cent = 30L, after 5 to 10 years the amount definitely will be high (approx crors). So spending money on own house is a good idea also invest in SIP is future plan.
Anyways, thanks for video. I will learn how to invest in SIP
Real estate growth is slow right now. It will take minimum 30 years to give a bull run like 2001-2008.
10 lakhs land has become 1 crore in 2001-2008,
But that won't become 10 crores before 2030.
சொந்த தொழில் செய்பவர்கள் செய்ய வேண்டிய எதிர்கால முதலீடுகள் பற்றி ஒரு வீடியோ பண்ணுங்க பாஸ்..
Fantastic explanation. I was in confused mode in this house planning, now i got some idea to deal it further. Thank you :)
Very useful video. Thank you very much for your awareness. I just want to point out one small miscalculation in this video, you didn't consider the monthly rental amount that increases every year. Because you assumed 12k rent + 20k monthly investment. It would have been more accurate if you had considered the increasing monthly rent amount.
Yes
Bro, avaru emi 32k Mattum thaan sonnaru, rent 12k voda compare panrappa, depreciation cost, maintenance cost laam sekkala, so neengalum rent increment laam sekkathinga, simply superb explanation sir, hats off you👏👏👏
Hats off to you sir... Whatever you said is correct... I have one question... Instead of putting lumpsum in 1 single mutual fund, can we split and do lumpsum in 3 or 4 mutual funds, so that we can reduce the risk... Is that practically achievable....
No one can explain more clear than this...
Need vedios on gold purchasing as am a earning women.
Need vedios on land purchase.
Do SIP give constant 14% interest return over the 25 years. Could you please make another video on the SIP investment advantages and risks. It will be really helpful for the new people coming here.
Same doubt
Why are you focusing on specific interest rate? His point his about savings.. let it be 10% on conservative side, still it’s a huge sum. I’m not in favour of staying in rental house but break method is a good option. I bought home as soon as I started my job. It’s been 10 years, if I would have saved in SIP I could have bought better home n still 50% savings.. lesson learnt bit late
Good message
Own House is a Kind a Emotional Connect which Indians we have in Mind.
Nice video on SIP..Please guide us how to save the corpus that has appreciated 1. during a time as present(expecting war btw ukraine n Russia) or during huge market correction
2. And how to save tax on this long term capital gain at the time of withdrawal/redemption for buying a house or for children marriage?
Super explanation all youngsters of age group 30 should understand this concept and plan their finances accordingly. .
I think rental is better proposition incentives like chenbau Bangalore.
Thanks fir your good advice
Definitely an eye opener for individuals thinking of buying a house like me.. Thanks a lot sir.. Keep going to educate us on financial planning🙌✌
So nice of you
@@TRADEACHIEVERS can you suggest the best & safest SIP platform to start investment.?
நீங்க வீடும் வாங்க போறதில்ல. பணமும் சேர்க்க போறதில்ல. 14% வருமானம் வந்தால் நீங்க 80 வயசுல தமிழ்நாட்டுல பெரிய பணக்காரண இருப்பேங்க.
வாறன் பாப்பேட் வோட வருமானம் 20 cagr தான். அவங்க அவங்க தொழிலுக்கு ஆள் சேர்க்கறாங்க.
The same concept was regularly posting Money pechu Anand sir also.for better understanding watch Anand sir videos if u not able to understand this video.
@@TRADEACHIEVERS
Please make a new video on investing money in proper trusted source..
youtube la na patha thulaiya my life changeing and eye opening video ethu tha sir....🙏🙏🙏🙏🙏
Buying a house is always a good decision... don't get influenced by these ideas.. do wat is right for u
Please clear my doubts
1. Which instrument gives you 14 percent solid returns in SIP?
2. will the rent of houses shall increase year on year or not ?
3. Where is the tax calculations on SIP and lumpsum investments?
4.
Sathiyama solren bro.... vera level knowledge kuduthirukinga
Neenga sollrathu correct than bro ana athae place la house or land irukathu .. Already sold agirukum....
All these are possible only if your salary is 1 - 2L pm. Otherwise your emotions come into play. You buy house, car, because of social pressure for sure. If your salary is less than 1L you focus more on buying a own house; whereas if you earn more than 1L, you feel the relief of financial freedom and don't urge yourself to spend on house. That's the fact.
Its good to evaluate. But the land price increase, income tax benefit on EMI, will make own house more beneficial...true we have to evaluate...
Great message. Can u also please suggest something for the people who is already sailing in the boat of home loan and for the people above 40 😀 on investment planning 🙏
Thanks for ur video, I'm planning buy house by EMI but I'm going to change the plan.... U opened my eyes 👀 sir
All the best
May I know
1. How to invest in sip without paying sip buying tax/capital gain tax.... (Not tax is added in ur video. So asking this question)
2. Will you list the sip which gave 14% per annum for previously 20-25 yrs
3. Buying house will give advantage on tax.... So interest 8.5 % will be 4% only if u consider paying tax....
Waiting for your video to update your points more precisely.....
Well said. It is new way of cheating by mutual fund advisors.
Financial literacy is must for TN🤍proud to be your work sir!
Thank You
I'm a home loan manager... For everyone one should have atleast a 1200sqft plot in any residential area.. it's your wishes to built a construction or stay in rental.. bcoz building have no value but also u have to maintain... it's not a good investment.. but investing in land is always worth to get a good repay..
Very Nice and Practical Financial Advice.. Though I do have some clash of thoughts on MF value shown but still the core of content is 100% true and genuine advice for everyone... All the best Brother.. 👍
What about taxation on return after 25 years?
Good one sir.. Extremely informative and now i have a better clarity on what needs to be done and what needs to be avoided. I am 8 months pregnant now and like you mentioned i will try my best to invest in SIP for my baby.. The breakage of SIP in between 10 or 12 years to buy a house or to invest in any business was indeed an eye opener.. Keep up your good work sir. . Thanks a ton :)
So nice of you
Every Year 14% is Not possible in Investment market have Risk also. Fixed deposit will give only 5%
Don't misguide.....
சுப்பர்ர சொன்னிக எனக்கு ஒரு தெளிவு வந்தது நன்றி
Content clarity matum illama practical ah pesirukinga sir..thank for ur suggestion... ❤ from Coimbatore..❤❤
Welcome 👍
Sir, You explained very well. Thanks for your effort. Kindly tell about to close the existing housing loan with new SIP.
A big eye opener today..semma clear explanation
Athu ok sir anth 14% epdi consistent edkrathu athku oru video podunga sir
Check the past 25year history, SIP gave 12% return
50 or 30 lac Full amount kuduthu house buy panna bettera sir... Ipothaiku sontha veedu ilana ponnu kuduka matranga mathika matranga sir (for 90 kids) enna panrathunu solunga sir investment pathi intha society ku theriyalaye..!
The problem with all this calculation is you’ve only considered the best case scenario for sip returns. Just like job loss during a black swan even like covid the markets will also come crashing down. So if you are thinking about breaking the sip during covid your 10L lumpsum will not be 30L +, rather only 15L. And when your rent goes above your EMI it doesn’t make sense to still stay in rent. Plus per the calculation you can’t contribute the same sip amount since your rent will increase Year on Year(YOY). Plus when your rent is 35k you won’t contribute the same 20k. And lastly the return of 14% might be fine for 25years but definitely difficult in 10yrs especially on account of a black swan. Please have realistic numbers but renting is better than buying even with realistic returns of 10-12%. And when the rent goes more than the emi it’s time to either downgrade or buy a house
Hello sir good to see ur video this the first time am seeing ur video really good logic on investing ideas. Great
SIP விரிவாக்கம் தேவை
அனுகும் முறை எப்படி
விபரம் பற்றி
யாரை அனுகுவது
தெரிவிக்கவும்
நன்றி
முதல் முறை பார்க்கிறேன்
1. 14 percent in SIP is misleading, and the average could be 7 percent
2. We never know if inflation could hit India like srilanka. The value of 1k will not be the same during crisis, but the plot/gold will adjust its value
3. Tax benefits / burden is not explained, which is better in case of composite loan
4. The salaries will also be hiked each year for major population and part payment always saves intrst. Majority sectors provide incentives and bonuses, which constitutes the majority of part payment.
5. It's better to go for plots/ apartments in case if we have backup to pay at least 2 years emi's. 2 years is too long time to get a decent pay job again
I was very confused mode, thank you for opening my eyes, some how I got idea, others wise I would have thinking about buy house on EMI, I couldn't imagine that, Thank you so much sir🙏
You are so welcome!
Sip, not guaranteed.
But house 🏠 safe.alsi get happiness.
Life need happiness much ..
Excellent explanation brother. It may be an eye opener for many of us. Thank you very much.
Glad it was helpful!
Glad it was helpful!
If SIP gives 14%returns, then why in all the advertisement, it is mentioned, subject to market risk. So there is no guarantee.
I invest 10k per month in SIP, it's 1.20 lakhs per month, profit is 16800(if it's 14%). Tax on return is 20%. 3360. So after 25 years, it would be 67 lakhs if 14% . Rent would have paid around 75 lakhs.
Rent would pay you 75L and that all will go to bank as EMI, nothing in hand.
@@viswanathr8628but end of the day, the house is yours, once closed the emi. House cost would be in crores.
Sir, After 10 or 14 years, you will not get the land or flat at the same location that we prefer now. So house construction and marriage should be done on time. It is not always money. Own house is needed for generations and peacful life. You will not get same life with rental house especially when we have shift house when we switch our job.
EMI : peaceful life....hahaha
@@saravanakumargm7956 Paying rent: peaceful life .. ha ha ha..
13 years if you manage to stay in rent house, after that you can buy own house and also have big amount in hand by breaking SIP. Don't make wrong decisions by taking emi for 25 or 30 years.
Rent increases every year and cost of contrustion materials. Also after 13 years, you won't get empty plot at same location you wanted to build house.
@@rajeshkannans10 Rent increases, so is your salary, you will get a plot in the area which you planned bcoz after 13 years there will be someone to sell old land or building
Appreciate your efforts in making this informative video 🙏🏼
The best explanation.. Thanks for sharing your knowledge 👍🏻
Glad it was helpful!
A simple math for a huge savings....verfy nice. Thank you!!
Very welcome!
It is a very useful financial plan to buy a house and maintenance of life
Very clear explanation .Thank you.
Sip monthly pay la 1st ten month 2000
After ten month 3000 ha change panalama...
Indha video 10000 k but yavlo salary vangara person?
SIP paththi detail ah innum video podunga sir 🙏
While taking loan we need to take insurance also with loan
It’s safety and also plan to close the loan ASAP
Sir you have not added salary hike and increase emi amount and potpayments. Also hybrid investment + equity will good idea to enjoy both benefits.
Thanks for sharing; considering the case when monthly EMI-interest ~ Rent! Instead of paying rent, pay almost same amount as interest, at the end of 15-20yrs you get to own the house?!
Isn't it a safe mid-ground of own-vs-rental house dilemma ?!
Very useful video that I have watched after a very long time. Thanks for posting such valuable info.
100% agree the math. But these decisions are depends on individuals mindset, financial power etc. Moreover our mindset has to change that asset is not only house, it can be a digital asset like stocks, mf's. Digital assets have higher appreciation cost. Whereas physical asset like house has lower appreciation value with high emotional value.
Solrathu correct tan but ipo na Vanguna Chennai la vanga mudium but after 25 years veedu katta edamey ilama Chennai ku miga arugil nu solli Tiruchi la tan Home/flat vanga mudium.
There will be no space to construct a new building.
Agent commission, relocation expenses, documentation issue , lifestyle adjustment, Home repair cost, mental torture by owner, one home is must for everyone, where we will take the money after 25 years ,
அருமையான தகவல் நன்றி 🙏🏻🙏🏻
Hi sir I am living Tirupur your speech most beautiful
Thank you
Excellent information for all kindly guide SIP to invest
from 2004 to 2013 sip investment returns was 3.8percent in mutal fund.again it depend on which mutal funds there is risk always.in 2004 my friend invested in site in bangalore for 220 rupess per square feet ,he brought for 4.8lakhs 60x40 2400 today the site value is 2.25crore
Explained very well.
Explain the SIP in detail
Rent also increase year on year... consider that and recalculate
Indeed an excellent video. But investing in market is subject to market risk and the returns you said is not applicable at all times. Let take an example a person who invested 20 yrs back if they want to take their returns during covid all the market is down
But if you invested before 20 years, then market was even lower right, then you`ll still be in profits even during covid crash. 20 years back nifty was around 1500, during covid crash it was around 8500. So Time gives us the advantage over market crashes too.
ஆனா அந்த 25yrs ல, பிள்ளைங்க கல்யாணம், காது குத்து னு சொந்த வீடு இல்லனா எவனும் மதிக்க மாட்டான். அந்த ஸ்ட்ரெஸ் க்கு 1.06 கட்டிட்டு போய்டலாம்
this is eye opener sir. Amazing. waiting for more videos like this, pls make a video of detailed things about sip nd in which company to invest
Sure
WONDERFULL PLANING SIR
NANDRI SIR
House rent increase is omitted..
Average rent would be around 24k.
I appreciate the good effort displayed.
Thank you sir it's very useful msg....pls post on investment plan videos on future plans.....
real fact na, i made this mistake exactly wat u said, but i started to follow ur channel after i bought house, now only i realize my mistake na. on dat time i dont know about what is share market, i learnd after watching ur videos only na. now i regreat😒
Rent will be same 12k & sip is safe for 25 yrs... after 25 also renting probs... many things not answerable...
Really fantastic Explanation, Super.
I bought plot for 6.5 lakhs in 2021 now 15 lakhs near Tambaram. Your calculation is for apartment not for.individual house
Great video sir and middle class people very helpful this video thankyou sir..
Most welcome
Nalla Vela unga video ippove paathan
Clear explanation, thanks sir🙏🙏
Always welcome
Excellent advice sir...very useful for me❤
Very good and useful content sir.your rocking always
Thank you
Thanks for your time in posting this video. It was really helpful for me. I’m ready to invest in SIP with 5 digit amount monthly for 25 years, but who will give 14% interest?
Same doubt!
14% per year, is a very average return. we have assumed 14% as an average, 14% per annum is almost 1% per month, So SIP can give higher returns too, but we have averaged the returns from max to min, so that it will be mostly applicable in most of the scenarios
@@TRADEACHIEVERS yes now am suffering the same EMI problem, i got huge losses in business, but i know the financial idea just now this year. Thanks for your brefing vedio. I didn't now SIP, and share market in my past life. I missed my part life. Now newly starting my life 👍
@@TRADEACHIEVERS Thanks for your time in replying back. Really appreciate it. Can you guide me in getting 14% average return a year?
@@SarathKumar-hj1vn invest midcab and large cap funds.. Surely u get 14percent return.. I am invested in last 3years.. Now 15 percent return my sip
Good speech…thank you for your efforts sir.clear explanation.
Hi Kishore,
Awesome video, create a video where can invest for children future with less volatility. Example: If I have 10 lakhs how to divide that money and where to invest for better returns.
Sure, stay tuned
வாடகை வருமானம்.
பணவீக்கம்
சொத்து மதிப்பு கூடுதல்
வீட்டுக்கடனுக்கான வருமான வரி சலுகைகள்.
போன்றவற்றை கவனிக்க வேண்டும்
Excellent explanation
நடிகர் செந்தில் வாங்கிய வாழைப்பழம் விலை?
சூரி விற்ற வாழைப்பழம் விலை?
மாற்றம் ஏன் கண்டுபிடி அனைத்தும் புரியும்.
என்னுடைய போர்ட் போலியோவில 10% ஷேரை 20% ஆவ்ரேஜ் லாபத்தில் விற்றுள்ளேன். இதன் சாதக பாதகத்தை காலம்தான் முடிவு செய்யும் இதனை சிப் முறையில் மீளமுதலீடு செய்ய நிச்சயத்துள்ளேன்.
So clear way I falow this method thankyou sir Thankyou
Most welcome
Well explained. Appreciate your time and effort. Thanks
My pleasure
Your video is very useful sir clearly understand but which sip i am investment choose
If SIP is giving 14℅ why do banks give loan at 10.5 percentage.. They can invest in SIP right.. 😄
Good video and need of the hour 👍 Thank you Kishore
Welcome 👍
Hi Kishore
Can you suggest a video on LIC premium as investment.. Is it beneficial or not? If you have published any