5 things to know before taking any Loan (Hindi)
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- Опубліковано 22 сер 2024
- In this video, we will discuss 5 important things to remember before taking any loan. Topics such as Loan Tenure and its importance, Importance of shopping for better rates means Loan transfer, importance of timely and regular repayment of loan, Loan EMI Calculation with EMI Calculator, how much to borrow to repay easily, how to understand sanction letter of loan and foreclosure charges are covered in this video.
As discussed in video, please find EMI Calculator Link: emicalculator....
You can enter Loan amount, Interest Rates and Loan Tenure to get EMI and Total Loan Interest payable.
In this video, we have covered 5 things related to loan in detail.
(1) Selection of Bank: How to choose bank for your loan is discussed here. Questions like which bank is best for home loan, mortgage loan, personal loan and any other type of loan and how to choose them is discussed here.
(2) Keep Shopping for Better Rates: Importance of Loan transfer, Loan Balance Transfer and how to transfer loan from one bank to other have been discussed in this point. Benefits of transferring loans also have been discussed here.
(3) Loan Tenure: Loan Tenure is crucial in any loan and total interest payable is directly connected to tenure. This has been discussed here. You will also learn about loan EMI calculation with the help of loan EMI calculator.
(4) Don’t borrow more than you can repay: Here importance of taking right amount of loan which you can easily repay is discussed.
(5) Ensure timely and regular repayment: In this topic, you will learn importance of repayment of loan on timely basis. What happens if your emi bounced also been discussed here. You will also learn about different Credit Information Companies (CIC's) like CIBIL, Experian, Equifax, and CRIF.
Bonus Tip: In bonus tip, we have discussed about how to read sanction letter and also about foreclosure charges.
If you're looking to learn more about Loan and all other important updates regarding loan, make sure to subscribe to our UA-cam channel right here..
Other Valuable resources:
Website: www.redpostloa...
Facebook page: / redpostloan
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जो भी व्यक्ति लोन के पीछे भागते हैं,
उनके लिए बहुत उपयोगी जानकारी है।
धन्यवाद मित्र।
🙏🙏🙏
Thank You :)
74&%
केवल आपने अच्छा समझाया ही नहीं बल्कि मुझे लगता है कई लोगों के घर उजड़ने से बच जाएंगे🙏🙏🌷🌷
Aq
@@kalpeshkumarchavda9365पी
.
Plot ki ragistery hi but RL aur plot NA certificated nahi hi to loan construction ke liye kaha se milega
Sar main Hero finance loan Le rahi hun kya sahi hai ya nahin please bataen home loan
This video is very important for me and my generation students
I requested you sir to make videos on information of about bank services and benefits for our education loan etc, I don't know about this very much , help us to be smart for our life about this type of information it will help us
Thank you sir for such a nice video 👍
Never saw any explanation in such a finest way
Huu
Nice Explaination.
muje badiya intrest ke bare me. or saving ka 60% emi vali bat bahut achi lagi,, u r great.. tq sir..
One of Best line.... Salary ke 60% se jyada EMI nhi rkhni chahiye.... Salute sir..
What is for cover charg
Sir builder ne fasaya finance bank ke jariye loan udhar hi sanction karvaya aur o bank emi form nahi bhar rahi hai aur bar bar check magti hai muze transfer karna hai to kya kare
@@dineshchauhan6341 ¹1111111111111111111111111111
Sir with the help of your videos i got PMAY subsidy amount.
Thanks a lots sir...
This king of messages really encourage us bhai.. most welcome.. :)
Sir Dil se salam hai aapne itne achche tarike se samjhaya aur kitne logon ko ye loan ke bhawar se sahi track pe la diya hoga aapne
Best thing i came to known about loan is 60% of my salary..nice video
Thank You
Really, this video is very informative. I liked the point no. 3 of loan tenure and point no. 4.
Bahut hi achhi tarike se aapne samjaya he
Me abhi loan ke liye dekh raha tha to muje aapka ye video bahut kam aayega thanks
दोस्तों, चैनल को Subscribe कर के Bell आइकॉन को जरूर click करीयेगा..
ताकि आपको लोन, सबसिडी और गवर्नमेंट योजनाओं की सारी जानकारी टाइम पर और instantly मिलती रहे..!!
Nice information
Supb information.
Hame bhi Loan lena hai
@@rkumar260989is 8the first step 8in
Bhai no. Mil sakta hai aapka?
Muje gst related queries hai
Dear sir. Is it necessary that you have to pay some amount to bank...if you want to finish up our loan before time period example
If I have 5 lakh loan and time period of 20 yrs...but in 2 yrs I have accumulated the 5 lakh so can I directly deducted my loan amount and finish my loan
भाई आप की सबसे बढ़िया जानकारी कम समय के लिए lonely 30 साल के जगह 20 साल का ले
🙏
Sir was not available to take call but i am really happy he called me back and talk to me very well i am very happy and satisfied my prayers are always with u sir thanks alot
good advice i think if we think all these points carefully before taking loans, then people will not fall in unnecessary probelms
Thank You :)
Best information 👍👍🙏🙏
I really liked your maturity regarding financial planning and services. Keep it up.
I liked following points:
1.Taking quotations from various banks.
2. Asking for Processing fees and loan closure charges.
Thank you for the kind words..!!
Mujhmein se kya hai iske liye kya kya karna padega Hans
Thankyou ji
U
Ha ye bato
Sir ap ne bahuti important information di.sunkr pta chala loan lene se kya dhyan rakhna chahiye.
Salery se kitna percentage emi karni chahiye ye bat apn bahut achhi batai hai.dhanyavad sir🙏
Your way of expressing with your sweet smile is so nice. Your smile shows your confidence and knowledge. Thanks to maintain your body language..... I Became very positive about loan.
Loan transfer is a good point. Thanks. Correction, EMI shouldn't be more than 40 % of monthly income.
I salute you Respected sir.
Respected sir if get the modgage loan against my recydency home for 20 years 15 lacs
But I am return within 5 years
I get any discount from the bank ?
How much EMI ??????
Very nice bhai life me fast bande mile ho aap jisne dil jit liya
Thanks for the compliment bro...
Pay Attention Guys: ek jruri baat me aapko bta du jo is video me nhi btai gai hai... mera HDFC ka credit card hai jiski credit limit 57000 hai, meri ek emi 3200 ki chal rhi thi.or mujhe ek laptop EMI pr lena tha jo ki 55000 ka tha. to mujhe limit kam pad rhi thi because meri 3200 ki EMI already chal rhi thi. Mene customer care me call kr ke use preclose krwa dia or mere credit card ki limit 57000 aa gai.... And then mene laptop ko usi time purchase kr lia amazon se... but us laptop pr EMI amazon site pr ban nhi pa rhi thi. pehle mujhe lga tha ki mere credit card se shyad ye ho nhi rha to mene mere 2 3 friends ke credit card se check kia to pta chla uski EMI amazon site ke through nhi bnegi to mene socha ki EMI me SmartEMI se create kr lunga HDFC ki site pr... or mene vo laptop purchase kr lia credit card pr.... but jab mene EMI create krne ki koshis ki to uski EMI nhi ban pai.... Why? .... mene customer care me call kia ki mene 55000 ka laptop lia hai or meri EMI create nhi ho pa rhi hai to mujhe btaya gya ki "EMI AAPNE PRE CLOSE KRWAI HAI USKI WAJAH SE AAPKA TOTAL AMOUT 51000 SOMETHING EMI KE LIA ELIGIBLE HAI OR AAPKO 3000 SOMETHING OR SHOPPING KRNI PDEGI TAB AAPKI EMI BNEGI" mene kha mam mere credit card ki limit hi 57000 hai 55000 ka mene laptop lia hai to 3000 or kese spend kr skta hu me.... so at last ye hua ki EMI nhi ban pai or mujhe total amout 55000 ek bar me hi pay krna pda...... so guys ye ek bhot bda issue hai EMI ka islia aap esi situation me pde to aapko bhot dikkat aa skti hai... or is problem se related koi bhi video youtube me available nhi hai.... so be carefull,,,, and please is pr bhi ek video bnai jaye
Very informative & useful video..
Who getting such loan offers or buying bigger or smaller loans must read TC carefully.
If no need of loan, don't fall in love of loan offer . This is technique of bank to catch your pocket.
+++Best information I which like is that, Always select higher EMI & short tenure..
Must check deeply, foreclosure charges,prepayment charges, Insurance cost etc.
Thanks.
Mai loan le raha hu 10lakh...
2% brocker le raha h.
16000₹bank wale bond k naam pr.
40000₹ insurance...
Dear sir fast reply plz kya ye legal h???
No
Thanks, Very Important information while taking home loan from Banks, Good Guidance !
hi
Four closes charge kya hai?
@@isratali5903 14 परसेंट का मतलब क्या होता है
14% के हिसाब से पांचला का कितना चुकाना 20 साल में
Four closer important information thanks good knowledge
Great ho sir aap kash itne intellectual or dil ke achhe Sare financial expert ho🙏🙏🙏🙏🙏🙏
Aapne bahot acha information diya h.
Baaki log to bhatkane ke alawa koi kaam ni kerte .thnks
बहुत ही अछ्छी बाते बताई है आपने भाई मै भी लोन ले रहा हूँ आपकी कही हुई बातो को ध्यान जरूर रखूगा
Bhai mujhe loan chaiye
धन्यवाद आपकी इंफॉर्मेशन के लिए बहुत फायदेमंद रहेंगे इंफॉर्मेशन
Video sunkar hamen bahut achcha Laga hai ham fir se aapse gujarish kar rahe hain ki loan lene ke liye क्या-क्या document ki jarurat padati hai aur condition
Aapne bahut hi achchi knowledge di hai loan lane walo ko bahut hi saral tarike se samjhaya hai thanks
बहुत अच्छी जानकारी सर आपका बहुत-बहुत धन्यवाद।
Very informative video...... points regarding foreclosure ..is very important one because generally people don't know about that👍
Great. Maine bohot experience kiya hai sab baate.sabse badi baat foreclosures. Jiske bareme maine kabhi nahi dekha.thankyou somuch .
Your feedback is really important to us.. Keep Posting.. :)
Thank you sir muje for closure charge pata Nahi the Apke vidio Dekha Kar pata chala
ThanK siR
wE loVE yuO
VErY mUCh
आप ने बहुत ही अच्छी जानकारी दी
ThanKs FoR puBliSh VideO
CC limit कैसे क्लोज कराया जाय।
woowwww sir supub solution thnks
you have to pay the entire cc amount for that..
सर मै LIC HFL से लोन ले रहा हूं किन्तु प्रयागराज के पवन त्रिपाठी जी कभी फाइल लगाने की चार्ज लेते है 1000 फिर बोलते है लोन सैंक्शन में भी चार्ज दो 2000 क्या करू
Bohot bada bohot bada thanks sirji itni badi information koi bhi nhi deta chahe ushe payment bhi qu na dena pade ?thanks you so much sirji for this videos❤🎉
Namste sir.
Section lettar sabsee jaruri delhna hai.
Ye 100%ki baat boli.
Thanks for 5 information on loan matter.pl also intimate regarding reduce of interest by RBI & what action takes by Banks.how adjust interest on loan EMI & how get benifit by loaner
Hamne iako lekar ke bhi videos banaye he.. aap detail me janane ke liye use jarur dekhe..
@@redpostloan thanx
GOOD
Mene bnana conservative se loan liya he 380000nob 2019 me regular emi de rha hu kya me isko sbi me sift krva skta hu 3percent byaj km ho jayega agr haa to kese pura hindi me btaiye please mera salary khata sbi me he
Always take 60 %loan of your income very important point
Bahut bahut shukriya information ke liye thanks brother
welcome brother.
Sir aapke sari bate teek hai kuch v galat nahi hai thanks yu so much ki aap ne pure jankari diye hai sir 🙏
Thank you..
Good thanks. I learnt the 60% and 40% is the international ratio for loan and saving. My Loan is around 40% and i am able to pay comfortably. 2 days back i went to enquire about buying Activa. The rate of interest is 10.75%. i found out that if i tale loan of 53000 only for the minimum period of 1 year. I am paying around 10,660 rs. Extra. I find it's too much. Can u pl guide what kind of vehicle loan i should take to pay minimum interest and from where to take loan. Thanks
Very very nice i imformation thank you
sir which bank is better for loan. If choosing between govt and private bank which one is better ?
Sir aapne jo kaha k loan k liye har ek chiz ko pehle padhiye vo muje bahut hi achha laga uski jo sharte hai vo hamare liye thik rahegi ya nhi vo bahut jaruri hai samjna
Foreclosure charges maximum kitna hona chahiye?
Thanks, very good information. Helpful for everyone.
Thanks for advice
You are a very good explainer and able presenter. Very nice to listen to you.👌👍
Bilkul Sab Sahi Baat Sar ji aap bahut hi Achcha Laga aapane bataya Sabhi Kuchh kahavat hai jitni Chadar Ho itne hi pair pasar Ne chahie love you from Chhattisgarh❤
Abhi floting intrest home loan lena chahiye ya fixed intrest loan kripya bataye. Ap ki sabhi jaankari bahut achhi lagi.
aane wale time me rate of interest badhne ki possibility dikh rahi he..so fixed interest is recommended
Very valuable knowledge u provided here ...thanks 😍
Pramod sai painkra
Very good information sir ji
Chattisgarh INDIA .
@@pramodpainkra6729 0
Very nice information sr thank-you
Nice information sir 👍👍
The way you have delivered the information's abt loan, it is phenomenal and outstanding. you speak so nice bro.. Keep it up and god bless you.
Thank you for such nice words.. :)
@@redpostloan q
@@akmaniakmani3936 200000
Sir very good morning n thank you. App ka har points bahut important hai is men sabse jaruri 5 no point .
Sirji You are Greatest Information & Valuable Solutions for Loan holder thanks so much sir ...👍👌👌
Closer charges and loan interst very informative
In home loan,which type of interest rate(fixed rate or floating rate)is
good for home loan taker?
Floating
Mere ko loans sammndhi sabse achchi baat vo lavi jisme bataya ki time se PAHELE loan ko bharna or ushke uper lagne wali palenti
Aapki sari information achi h pr 4rth information loan utana Le jitna pay kr paye the best lagi h.
Ye janana h k forclousar rate kya hona chahiye.thanks pls mujhe comment m jroor bataye.
Sir I had taken loan in 2017 nov.now I have seen different types of penalties imposed and charges in the name maintenance account penalty.though it is three times I deposited latter because late salary.is there any court where I could go for justice.moreover they have not given me any agreement letter.the person who in my touch were transferred and there mobile numbers were changed too.sir pl tell me what I can do.pl help me.
from which bank you took laon
Thanks for giving an important information everything is very nice which I have told.
Fixed or floating intrest kis ma lena chaiya. And konsa bank sa
Aap ne for cort charge ke bare me aap ne bahut acha bataya hai thank you
Sir, pls enlight the key points in Loan agreement ,specially with HDFC Bank.
सर बहुत बढ़िया और अच्छा लगा जो आपने समझाया मैं लोन अप्लाई कर चुका हूं उसके बाद ही यूट्यूब चालू किया हूं मुझे जान हैं यह सब फॉर्मेलिटी कर चुका हूं सैंक्शन लेटर नहीं आया है सैंक्शन लेटर को अब सही ढंग से पढ़ लूंगा समझ लूंगा उसके बाद ही साइन कर लूंगा और लोन लूंगा बहुत-बहुत धन्यवाद
Very good guideline. Thank you sir.
Very good jankari me abhi lon lene ke liye soch rha hu
Sab se phle to sir utna hi le jitna aasani se Chuka sake.Aur dusra ye ki apna jitna incam hai uska 60/ hi emi hona chahey thanks sir.
Very valuable information u provide here sir thanks a lot🙏🙏🙏🙏🙏
Thanks for the compliment..
Sir if I take small personal loan at the month end ...so when will I have to pay my first emi
Bahut hi acchi Jankari aapane video ke Madhyam se De thank you sir
Thanks a lot for providing us the required knowledge . Difference of 20 and 30 years loan tenure's result opened my mind 👍👍👍
Kisi v Parkar ki Loan Lene Ke Liye Sampark Kare 89%02%02%53%56,,
Superb information sir...last was the best one
Thank You
मेरा नाम विनोद कुमार रवानी है मैं ईस्ट बसुरिया धनबाद झारखंड में रहने वाला हूं 1200000 एलआईसी में उसका क्या उसका कंडीशन जरा बताएं कि क्या करना है नहीं करना
Bajaj100000%4200000000009
बहुत सही और उपयोगी जानकारी के लिए धन्यवाद,इस जानकारी में लोन लेने के पहले विभिन्न बैंकों के लोन कोटेशन लेकर तुलनात्मक अध्ययन के बाद लोन लेनेवाली बात ज्यादा अच्छी लगी,आगे जानकारी देते समय फिक्स और फ्लोटिंग ब्याज दर के बारे में विस्तार से बताएं तो अच्छा हो
Respected sir , Thanks for your 5 words guidence 🙏
U
Nice advices. Thanks.
Thanks 👍 bahut ache se samjaya apani septy dekh kar lone lena chahiye
Thank you sir, aapke chalte mujhe kafi fayda hua...
Kisi v Parkar ki Loan Lene Ke Liye Sampark Kare 89%02%02%53%56,,
Can you plz suggest me that how can I migrate my home loan from hdfc to sbi. My present period of getting loan is 1.5 years and now I want to migrate my home due high interest rate of hdfc. Plz reply
Thanks
U r absolutely ryt
Hdfc. Very high interest for any loan
Sar mene 5 sal pehle 10.25 % pe Lon liya tha.or abhi 7 % tak a gya he to meri emi ki amaunt km hogi ya total emi me se katoti hogi
Very nice sir ji aap ne bahut achchha samjaya or sahi jankari di
Foreclosure charges Se kaise bach sakte hai?
Option: 1 balance transfer se 2. New loan Application se 3. Top up se plz suggest…
Sir... You've made a very useful video...
I'd like to know about part payment... How does it affect the EMIs n my amount???
If you make a video on that, it'll be a great help.. not getting any supportive video on that 🙂
Thank you Aditya.
Will definitely make an video on that particular topic in short time..
@@redpostloan actually it's our pleasure sir that people like you are on this platform to help us understand the banking thing better... ❤️
@@redpostloan Hello sir, I want to start work as a credit card dsa, pls suggest
Very clear knowledge.....thanks sir....
Sar aap ne jo jankari wo bahut hi achha laga
Thanks sir ऐसेही व्हिडिओ डालते रही भोवती अच्छे तरीके से आपने बताया है
Sir if female applicant name not appearing in sales deed of pmay home loan does we get subsidy benefits or not so how can we correct it
I learnt a lot.. thank you....
luv Sir,u r such an angel for the day...i m really searching for a guide to know more about home loan...but i have some more questions regarding ...
Hi
Nice bhai ji aap ki ek baat dimag Ko Chhu rahi hai or Sach lag rahi hai
Nice video brother, thanks for the guidance
Thanks sir for this great information
Good speech bahut badhiya bhaiya ji bahut achcha bahut acchi jankari aapane de
Sir apne last main apne documents padte time ek insurance check karne ke liye btaya hai
Wo kya hai
Or kon karta hai
Uska benifit/lose kya hai
Fantastic idea and thank you for your guide line.
Woht.badeya
क्या मुझे होम लोन को जल्दी-जल्दी भरकर खत्म करना चाहिए? या फिर इनकम टैक्स का बेनिफिट
लेना चाहिए?
Hi sir good information
Sir at this time I am getting sbi home loan for fixed 6.95 and floting for 6.7
Which option should I choose
.बहुत-बहुत, धन्यवाद जानकारी के लिए
Vry nce sir...I like to given info abt CIBIL specifically...coz it's a vry important for all loan lenders
Sukhwider.singh
It's a nice informative video and the best feature I like was 60% EMi from the salary should be the upper limit. Thank you again Sir!
Very good bro
Very good
Senction letter kab bank deta hai?
Saare documents lene aur forms fill karne ke cq. Lene ke baad kab?
Kyonki main yeh jaan na chahta hoon, ki hamare paas kab tak quit karne ka chance hota hai, ki loan na lena ho to cancel kar dein.
Sar mujhe aapki paanchon baten bahut acchi lagi veri nice