Paid 20 Years Home Loan in Just 5 Year | How to Save 15 Lakh Interest on Home Loan 2023
Вставка
- Опубліковано 6 жов 2024
- Paid 20 Years Home Loan in Just 5 Year | How to Save 15 Lakh Interest on Home Loan 2023
In this video, I am gonna show you, how you can save 10 to 15 lakh interest on your home loan and pay 20 years loan in just 5-7 years.
Home Loan Calcification Video (Part 2) - • SIP से 20 साल की होम ल...
Intrest Free Home Loan Kaise Le - • Home Loan PrePayment C...
Join Free Zerodha Kite and Start Trading: bit.ly/3vOAW44
Join Groww & Get Free 100 Rs. to Invest - bit.ly/3vQtqpr
********************************************************
Become our Member for Custom Personal Investment Help:
/ @wealthguruji
********************************************************
Investment & Wealth Creation Books I Like Most:
Let's Talk Money: amzn.to/3OxkHkq
The Intelligent Investor: amzn.to/36HFlgF
Rich Dad's Guide to Investing: amzn.to/3vca139
How to Make Profit in Share Market (English) - amzn.to/3k9VH4S
Fundamental Analysis Shares: amzn.to/3K9P8K8
Rich Dad Poor Dad: amzn.to/3Mod1is
World’s Greatest Books: amzn.to/3LcfLzr
Stock Market Investing for Beginners: amzn.to/3Kf17pA
********************************************************
Best Mutual Fund Portfolio 2022: • Best Mutual Fund in In...
Best Large Cap Funds 2022: • Best Large Cap Mutual ...
Best Small Cap Funds 2022: • Best Mutual Funds for ...
Best Mid Cap Funds 2022: • Best Mid Cap Mutual Fu...
Best ELSS Funds 2022: • Best ELSS Tax Saving M...
********************************************************
Zero Tax on Mutual Fund 2022: • Pay Zero Tax on Mutual...
Direct Vs Regular Plan: • इसने डुबाया मेरा २५ ला...
How to Pick Best Mutual Funds: • How to Pick Best Mutua...
Taxes on Mutual Fund: • फण्ड विथड्रावल में कित...
Taxes Calculation on Mutual Funds: • Mutual Fund Taxes Calc...
SIP Vs LumSum: • SIP Vs Lumsum Calculat...
SWP Calculation: • SWP Calculation with R...
Mutual Funds or Shares: • Mutual Funds Vs Stocks...
10 Mistakes in Mutual Funds: • Avoid 10 Mistakes in M...
Growth Vs IDCW Dividend Fund: • Growth Vs IDCW Mutual ...
********************************************************
Check out my Website for Hindi Articles: hindialert.in/
********************************************
Quires Resolved in This Video:
home loan,home loan process,home loan interest rates,save emis on home loan,how to save emis,how to prepay home loan,how to prepay home loan fast,Home loan,home loan emi,loan prepayment,loan prepayment reduce emi or tenure,loan prepayment vs investment,loan prepayment benefits,loan prepayment calculator,loan repayment kaise kare,loan repayment,home loan eligibility,home loan prepayment,home loan interest,wealth guruji
********************************************
Disclaimer: - The videos I create on stocks and stock market are only to create an awareness and educating investors about the subject matter. The views and opinion expressed on this subject are my personal views interpretation based on my research and it's not an investment advice or recommendation to buy/sell/hold he stock or mutual funds. It is advised to take all such decision wisely with independent research or by consulting certified financial planner. I am not responsible for any loss or implication arising out after any decision taken by the viewers after watching my any videos.
#homeloan #emi #homeloanemi #savemoney #wealthguruji
My gear for shooting this video:
🎥 My Laptop (16GB RAM): amzn.to/4d1EVy4
🎬 OnePlus 12 : amzn.to/4cKYNFR
🎙 My Video Record TV : amzn.to/4bPEmX0
🔆 My Camera : amzn.to/4cN5KGK
💡 Camera Tripod : amzn.to/3zJg6ZB
📽 Voice Recorder (Mic) : amzn.to/3zNlXgr
Useful links:
Gadgets that I use : bit.ly/wgproducts
20 Books for Your 20s : bit.ly/wgbooksfor20s
The above links are on Amazon.
When you buy any amazon products from above links, we earn little commission. this will enable us to make more informative and creative videos for you regularly.
Loan ki EMI chukana bahut badi problem hoti he, shuru me to acha lagta he, par bad me loan ek bahut badi galti lagti he.
Right ganesh bhaiya lekin m room rent 12000 de rhi hu... Or room owner hr 11 month pr 15% bhdane ki b bat kr rha hai.... Or agr m 1500000 ka loan leti hu to mujhe every month 11000 ki kist deni pdegi or isme 20 saal baad makan apna hoga or rent vale m 20 saal baad b owner ka.... Or idhar s udhar saman shift krna alg s.... Ab btaiye mujhe kya krna chaiye.??
@@loomingdreamsstudymentorra16 yadi aap rent 12000 de rahe ho, to isse acha he ki small home loan lekar makan bana lo, khud ka makan bhi ho jayega aur EMI bhi kam hi aayegi.
Sahi bola bhai
Lekin khudka flat lene pe building mentananance 1500-2000 pad sakta hai our ye dhan rakhe. Our flat ke chote mote Kam, colour saleme karna bhi padta hai. Kuch log bus EMI amount hi samazhte hai our badme khrcha badhgaya kahte hai.
@@loomingdreamsstudymentorra16 jis jagah ka rent aap de rahe hi... Oh same ghar and location 15 lac main nahi banega.....uske liye maybe 30-40 lakhs lage. Us hisab se emi bhi 30-40 thousand hogi
सर आप बोहोत ही अच्छा समाज सेवा का कार्य कर रहे है सर । thanks हमें financial education देने के लिए।
बहुत अच्छी जानकारी दी है आप ने ये बात मेरे दिमाग़ में थी पर में कैलकुलेशन नहीं कर पा रहा था धन्यवाद
भाई कैलकुलेशन वाला वीडियो चाहिए emi की sip वाला । और ये वीडियो भी जानकारीवर्धक था । धन्यवाद
Please Send calculation video
5 वां ऑप्शन ही में पूछने वाला था bt आपने बता दिया, बहुत अच्छी जानकारी!!💐💐👌👌👍👍
Thank-you sir aaj ap ki bat sun mai lone lanai ki himat kar rahi hu mai aaj🙏🙏🙏bhagwan ap ko bhut kush rakhai
इससे अच्छा 10% के रूपये को हर महीने एक Rd करवा के हर साल के अन्त मे उस रूपये को लोन मे जमा करवा देना चाहिए
Prr Rd prr utna jada return nahi milta hai sir
मैं होम लोन को कम करना चाहता हूं जैसे कि 15000 दे रहा हूं उसको 20000 देना चालू कर इसमें कितना फायदा यह सही रहेगा
Very informative and acceptable content sir thankyou
Hiii
Very informative.. please share the calculation sheet
Information provided is good but with some ideal predictions......
I really appreciate your efforts sir.
I too have taken a home loan but its interest rate has gone up from 6.75% to 9.7% in 1 year..... so this concept doesn't work there.............
But if interest rate stays constant then your concept will be excellent sir👍
SIP VS Home lone Calculation wala Video ek banaiye sir. .
Need help in regards to SIP to save interest in home loan
Agar aapko 25-30 lakh ka ghar bnana hai toh agr apke pas 10-12 lakh already ho toh he loan 25 lakh ka len agar apko 15-20 lakh ka ghar bnana hai toh agr apke pas 6-7 lakh ho toh he loan le
@wealthguruji - SBI yono app pe tenor kam hota hua nai dikhta whenever pre payment is done ? Any solution for this ?
Sbi branch manager as usual not supportive
Bahut ache se bataya sir
Aise hi sip wala smjha dijiye.....🙏
Next Calculation ?? For sip 20 yrs 10% amount
&
If EMI amount invest in Sip then calculation after 5,10,15,20 yrs.
Good options but only question is if the person could pay more, then he would not have taken the loan for longer tenure. His interest and tenure would have come down that time only.
Exactly same thing came in my mind too y a person wud have gone for longer term had he bee able to pay more than fixed EMI
That's never case...
Salary increase 10% p.a or job change 30-40%
So nw additional money but Emi is fixed..
So u can pay those extra amount..
Very good question.. best example is mine.. I have taken Home loan when my salary was around Rs40000 ...i.e 3 years back... now my salary is increased..so I can opt for this option.
We take longer time bec we r not sure salary inc or not .. once we get surity we opt for this
Yes this is the right answer
Thanx a lot bhaiji apne bahut ache dhang se ye sab samjha diya bahut se logo ko fayda hoga.
Bahut upyogi n prasangik jankari logic k sath diye sirji....
Vastav me middle class na chahte huye bhi loan k daldal fasta hai....
EMI k allawa extra paise jama krne bad bhi bank calculation 1_ 2 baki nikal hi deta hai...
Bank Vale (computer system) ne kiya bol dete .
Ses emi dena hi pdta hai.
Consider the depritiation of money which is more evident in last five years, by that time EMI appears as peanuts, income tax benifits. So please keep your payment tenure 20 years, dont strech yourself by paying extra EMI's, instead of this invest this extra money in share market or mutual fund.
Exactly
Itr benefits only for few years till interest component upto 2 lakh. In 25 lakh only 5 years.
Sir additional 10or20 % EMI dene se koi extra charges lagega?
Hi Sir, I have one question, do bank allow to pay 10% more of emi every month?
No. For home loans, they mostly allow you to pay a maximum of 25 percent of the outstanding principal amount in a given financial year. And, minimum prepayment must be equal to at least 3 emi.
But what happens when repo rate is increased? you should consider that also in the calculation..
Very good question
Do rewrite the loan it will be less ,you can ask to your bank for rewrite they will proceed and yu have to pay hardly 1100 only
You should choose the fixed interest rate only on the time of taking loan instead of floating interest rate.... Ok
Thanks... It's a vital information for me
Emi me kam से कम कितना prepaid कर सकते हैं
Kindly provide excel sheet with formulas for us to do the calculations
V nice sir m 6 Lakh lone 60 month k lea hay emi 12600 hay abb jaldi lone khatam karny k lea extra emi jama kar sakta ho ja 50 000 jama kar sakta ho
Sir Mai first time viewer hun aapka video bahut knowledgeable laga apka channel subscribe kar Liya hai
Sir Mera 57lakh ka 20 sail k loan hai. Emi 46000 hai . Mene 7500 k sip karwai hai kya is it ok
मेरे हिसाब से सही हैं. Sip 10साल के बाद कम से कम 10%देताही हैं.
you should also consider inflation,
Apne case me extra emi ya 10% increased emi ka kya calculation hoga iske liye calculating tool uplabdh kaise hoga home loan tenure kam karne ke liye
Achhi jaankari. Thanks a lot for your efforts and sharing valuable information
It's my pleasure
आपने बहुत ही अच्छा समा धान दिया सर आप का बहुत बहुत धन्यवाद
Calculation Video Aa gaya he .. Jarur Dekhe - ua-cam.com/video/erA9NQKDmyU/v-deo.html
Sir if i want futher information pls do guide me for home loan as i m trying to buy my new home,,🙏
Yes sir, calculated video banaiye please
अगर लोन का ईएमआई बेंक मे ईसीयस से कटता है तो दस पर्सेंट कंहा या कैसा भरे...?
Prepayment kar sakte ho. Bank me loan department me Ja ke, process samaj lijiye. Ye bank to bank alag alag hota he. Jyadatar bank me online app se hi kar sakte he.
Sir extra 2.ya 3 EMI kaise varenge ?? Loan account me extra money daal kar kya?? Pls bataiyega 🙏
Yes, agar har mahine extra pay karoge to overall 2-3 emi k barabar paise jama ho jayenge
Sir government employees k liya makan finance karane k liy service ka 5 sal hona jaruri h kya plz reply
Mai ek govt teacher hun.salary 38 k hai.mujhe sbi se loan chahiye toh home loan 15 se 18 lakh ko easily sip ke saath kar ke chukane ka tarika batayen
Last 2 option is Good, Bank should be take EMI?
Very good calculation on UA-cam.
Keep it up
Thank you, I will
बहुत अच्छी जानकारी है, धन्यवाद
Good👍 bhai maine bhi 20 yrs ka loan liya hai 10,00000 11.5% pe meri per month 10,000 ki emi jati hai please mujhe bhi koi solid idia dijiye jisse ki mera loan jal jama hojaye calculation k sath me plz.
Har sal ek kisht pre payment kro kro
Your suggestion is very 😍marvelous and acceptable. Thanks
Aa
🙏🙏 sir video me aapne blue colour ki patti dalkar itne badhiya video ka maza kirkira kar diya
If I am not wrong , 2% extra charges for advance payment
Thank you sir ji
Aapne sahi advice Diya
Ab main aapse ek sawal puchna chahta hu.
Maine 3100000 lakh ka home loan liya hai 20 saaal ke liye.
Agar main har saal 1 lakh extra bar du to muje kitna profite hoga aur mera loan kabtak clear ho jayega
Sir apne video bohot hi jandar bnaya thanx, mujhe ek baat btaye please, k agr 25lakh loan leya or tenure 20 saal nhi kr k 6saal hi krege, to kya ye sahi rhega??? Ya 20saal tenure kr k emi zyada pay krne se sahi rhega? Please reply
If I take a loan,
Extra amount agar jama karane ho to usi account me jama karna hoga ya EMI ka tenure Kam karana hoga ?
Principal amount me se ghata diya jayega, aur aage se apki emi agr 15 hajar thi to ab se 12 hajar ki hi rah jayegi
लोन चुकाने के लिए चाट सहित बताए
Sab batate hai extra emi bharo ya extra payment kar do. But ye koi nhi batata ki ye extra kaise payment karna hai, uska kya tareeka h??
बहुत अच्छी जानकारी
धन्यवाद।
Kya Adhar Housing finance pe b ye applicable hoga...???
Sir aur bhi loan pe long video banaiyega
Thank you
Nice information
Bahut jald videos ayege.
Sir,
We have suffering for same problem,
Good knowledge for me
Sir
Additional emi kaise pay karna hai bcoz my emi cut directly my bank accounts
Bhejo calculation vedio sir ❤
Loan सैंक्शन हो गया पर loan अमाउंट मेरे बैंक अकाउंट में क्रेडिट नहीं हुआ तो क्या इस condition में EMI बैंक काट सकता हैं क्या??
Jo extra EMI bharna hai wo principal mai bharna hai ya normal EMI extra bhar Dena hai.
Wow jabrdast calculative video ❤❤❤
Example - 20L ka loan hain 20000 emi hain
Aur uskaa 10% sip chalu kiya toh toh emi 18k hoga??
हमने 2000000 लोन लिया हुआ है और उसको हम 5 साल के बाद पूरा कंपलीट पैसा जमा कर देते हैं तो हमारा इंटरेस्ट कितना कटेगा
Home loan Principal amount pay krne pr settle ho skta hai??
Calculation Video bahot jald aayega. Bana raha hu. Stay tuned.
Emi 15k hai
10 saal me end karna hai
How to posible ?
Full explains with every technic
LOL 😂😂😂 pehle bola salary ka bada hisha chala jaata aur abhi bol raha emi ke alawa aur 10% bharo.... Bhai yesa kuch batao jahan paise nahi bharna pade aur tenure bhi kam hojaye .... Jokes apart, yesa koi method nahi hey Jo Bina emi increase kiye aap loan jaldi bhar sakte hey.
Mere salery 20000 h or mere ko Khali plot Lena h bank us p 15 s Jayda ka loan nahi kar raha value bhut Jayda ki h y kase hoga
Sir
I have already paid 60 EMIs now got handsome amount after sale of one plot, can repay in one go and will it be construed in tax examination or tax examination valid only on new property buy.
Yes
Sir Bank m pata Kara h koi agree nahi hota..bolte h aisa koi plan nahi hota
Wel explained sir, mera SBI home loan chal reha tha,2013 se,20 years ke liye,mene March last month 14 emi ka pesa ek sath bhee diya he, mujhe eska kya fayda milega?kya me apni emi ko apni abhi de rehi emi ka lagbhag 20 percentage bedha ker dena chahti hu each month me,mujhe kya kerna hoga?
Kya yono app se me esa ker sakti hu? Please suggest.
please share a video on SIP
Can u also give another option where u have a combination & additional emi & pre payment option??
Nice information rally Thx Sir🙏
Ye floating interest ke liye hai ya fixed interest ke liye
Pls tell me sip calculation against Home loan of 25 lakhs for period of 10yrs
Sir SIP me starting kese katte he or kitne jama karne hoge jese ki 30 Lakh par kese sip kare please bata dijiye thanks for video 🙏
Nice, sip किसमें करें
Does the same procedure apply to education loans as well?
My home loan 20 lacs for 15 year, emi 17699 tenure 180 month, now I paid 12 emi and remaining 220 shows from hdfc, please suggest me, thanks Sir
आपने नया आयडिया दिया है सोच्ने के लिये के हम होम लोन जलदी खतम कर सके। धन्यवाद.....
Sir suppose I took loan of 20 lac and I end of the year I deposit 2lac extra apart from EMI so that 2 lac will deducted from Principal amount or not matlb principle amount kam ho jayegi ana?????
Ofcourse, principal amount kam ho jayega aur emi bhi chhoti ho jayegi
Jhooth kyo bolte ho 5 yrs me khatm hua , 5 yrs time kam laga na ki 5 yrs
very much useful video.. but how to pay the extra amount? can i pay via netbanking by just transferring money to the loan account? or I need to contact bank to pay the extra amount every month? please help!!
सर् जी, में 1साल एक्सट्रा emi पे कर रहा हूँ। तो बैंक से कैसे पता चलेगा। की अब मेरे को कितने साल तक भरना है। क्या बोल के बैंक के मांगना पड़ेगा कि मुझे साल और emi में फर्क पड़ा है। plz.......
Sir mera mortgage lone 31.8 lack ka 8.45% hai 20 years ka .
Mujhe kitne ki sip karni chahiye.
Ya kaise pay karna chahiye ki mujhe interest Kam se kam lage
Sir mene apne home loan me 140000 balance tha,mene uper ke 40 000 ek sath jema kerwa diye,meri emi 2580 chal rehi thi,mene us emi ko round up 3000 ker diya he.mera ye home loan he jo 20 years ke liye 2013 to 2033 tak ka he SBI se.
Esme ek problem he vo ye ki Bank walo ne keha he ki mera tenure change nehi hoga,per sir ese to mujhe loss nehi hoga kya,ab balance sirf 100000 hi to becha he,use bank tenure same rekhega to.please guide 🙏
Maine 1st year to kuchh jma nhi kiya hu. But 2nd year me 10000 ki 9 kist (90000) extra jma kar chuka hu. Kya mujhe iska labh milega sir???
yes apko labh milega..
Very nice sir g 🙏🏻🙏🏻very nice information sir
at a time 1 lakh check payment branch me kar sakate hai kya jisase mera principal amt 25 lakh se 24 lakh show hoga . pls help sir
Yes, branch me Home loan Wale se bat kare.
Agar aap 26 k ki loan bar sakte he to 19 k rakhe Or 4 lic me dale 16 sal k lea 25 sal k bad 27 lakh milega 25 sal tak life cover beach me tapak gae to family ko bhi koi problem nae🤣🤣🤣😀😀🙏🏻🙏🏻🤏👍👌
Aur ha if salary jyada ho to you save fill any time any amount in home loan pricipal then why should we open SIP ...ussme bhi tax lagta he nikalte wakt 10%
If want to complete loan of 50 Lacs tenure 25 years in 5 years so what will be additional amount to be paid on monthly with current EMI ROI 8.6%
Hi sir bahut acha video lga aapka mera 20 lakh ka loan hai aur mai 5saal me bharna chahta hu calculate krke please bta skte hai kya?Maine subscribe bhi kr diya hai aapka channel
Thanks for this information 🙏🏻
Not agree.... Extra paisa index fund. Me lagao. 20 se 25 % se paias badega. Aur 20 saal tak bharte rahie. End me dekhoge ghar kariban free mil jayega
अगर इतना हो पाता तो बंदा किश्त की रकम ही na बढ़ा देता
सर मेने होम लोन बारह लाख का लिया है जो दस वर्षों के लिए स्वीकृत हुआ है, और मेरे लोन की ई एम आई 13886/- रूपये कट रही है, मुझे बताइये कि मैं किस हिसाब से किस्त भरूँ ताकि मेरा लोन पांच वर्ष में चुकता हो जाये, अभी मुझे एल आई सी एच एफ एल से सिर्फ आठ लाख पचास हजार ही मिला है, कृपया मुझे मार्ग दर्शन दें🙏🙏
Maine ek ghar 25 saal pehle 1lakh 80 hajar ka liya the. Or 2024 m usko 31 lakh m sel kiya. Or itne saal reh alag liya. To faydae h ya nukshan khud hi samjh lijiye
Namskar Sir Main Abhi Yes Bank Se Car Loan Liya Hu.60 Emi Hai Wo Jo Emi Usase Jyada Bharne Nahi Dete Wapas Account Me Refund Karti Hai Aisa Kyon
thanks Kindly provide excel sheet with formulas for us to do the calculations