Andaje batana muje a bank itana roi de raha pf itana hi le raha.. Loan jada de raha... Documents bahot hi kam le raha... Hai.... Our sabse kam samay kuch minto sanctions... Esa kahake executive dhamakana hai... Bus ho negotiate.... Isme koi logic nahi🤣🤣🤣
Sbi offering 8.40 IR right now for new customers And old customers have IR more than 9.50 Old customers was happy 2 yrs ago coz they were getting cheaper home loan from sbi at IR of 6.9 From last two yrs by RBI continuous hiking repo rates ,old customers IR is 9.30 or more SBI have to do something for old Home loan borrower to set up margin Between (old borrower) 9.30 or more and( new borrower) 8.40 I tried to convence them to reduce my 9.30 IR but sbi head office doesn't have any policy for this that's why it is impossible This 1 % makes 2.8 lakhs difference for HL OF 20 Lakhs after long time effect that is huge amount
Balance of transfer....main kya main tata capital se sbi main chala jau...tata ka 10.35 hai aur sbi ka 8.4.. Ya main tata ko aisa kuch de du ya pura? Ya sb I main le aau. Guide me
I have a very BAD experience taking home loan from SBI. The bank process is so slow, they keep you confused throughout the loan processing time. No coordination among their employees. They are making excuses in the release of my first payment to the builder. This kind of service was not expected from this bank.
Fixed rate of interest pe le lena chahiye kyuki hamesa repo rate badhta hi hai agar ghar gya to fixed rate wala dusre bank me transfer kr lo km rate pe
ये आपने बोहत गलत बताया कि फ्लोटिंग रेट ऑफ इंटरेस्ट पर जाना चाइए। फ्लोटिंग में जब REPO रेट बढ़ता है तो बैंक EMI बड़ा देती है लेकिन जब कम होता है तो कम नही करती। उसके लिए अलगसे चार्ज करती है।
Hi, I already have an existing SBI maxgain home loan account. I have to open a new homeloan account. Do you think its good to have multiple maxgain accounts? OR should I go with a term loan account this time? Please suggest.
Very difficult to take HOME LOAN from SBI and reason i observed is their lethargic approach , too much documentation and third party lawyers approach you to get monetary benefits to clear your legal check . SBI need to improve a-lot to take his business to heights.
@@Subbu302 They must learn from private banks and grow business of SBI. Although they trusted big business houses , provision loans above their evaluated capacity and under pressure . Case of PNB in nirav case .
Sir mera 1 question ha, mera bank account SBI mein aur. Bo dicgc sa proved hai, aur mujhe SBI ek insurance cash insurance deya ha 2 lakh rupees Jo Mera bank account may hoga Bo safe ha. Or dicgc 5 lakh rupees safe hay, tho Kiya mara 7 lakh rupees safe huya joma bank ma save karuuuu???????????🙏🙏🙏🙏🙏🙏
I am defence personnel and my nearest SBI branch said that they don't have any facilities like home loan They said that they can give personal loan only 😢
My friends emi was 16k in that bank mentioned as 14k will go as interest and 2k as principal. He was paying more around 28k. But bank was deducting for interest only. He lost around 50k. What actions he can take?
Hi sir please reply . if I opt home loan for 20 years and then in future I pay that loan in 10 years only , then will interst effect the total amount or will be the same
My Father has a land on his name. No loan. Now I am planning to built house on that land by taking loan. Will I get loan and tax benefits. Also will I get a loan if I want to buy only land ?
Sir mai govt employee hu but salary kisi dusre bank me hai ,, mai sbi se home loan lena chata hu .. bina salary account sbi me switch kiye home loan milna possible hai ??? Please guide me
I took HL @6.8% back in jan 2021 of 25L for 15 years and now it has increased @9.5%. The outstanding amount is 20.46L as of now. What should i do to minimize its impacy
Sir, a defence personnel already had a loan since 10 years and it is about to finish in 2 years... But i want another home loan from sbi... Then, may i eligible for new home loan without closing previous running loan .
I have queeeies i am salaried person with 26000/- monthly payment.... I have itr return of 3yrs, salary slip but form no 16 of only 1yr & 4 month what should I do to 2yrs of form no 16...
Jisne loan liya hai woh defaulter ho gaya hai aur jiske baje se guranter ka cibil 650 Tak chala gaya ho tho us government employee ko loan mil sakta hai kya aur rate of interest higher ho sakta hai kya
Very very informative video, almost covered everything.please give a link to SBI home loan Excel sheet to know the emi and interest on a loan of 2500000 for 10 years for a Govt employee.
Sir mere allready union Bank mai saving account hai Or mai dusari Bank mai Home loan lerha hu ky muje phele Wale union Bank ka account close karna padega ky ???? Plz reply mi sir
@@MyLoanKart1.0 thanks for the reply, have dropped them mail for this but have not received any reply , Should I visit the branch and give them written request you mean
Par month mey 50000 hazar se jada kama ta hu, lekin meri koi salary ka original proof nehi hai,, kea mujhe home lone mil sakta hai, 10 lakh ka home lone.?
Hi, According to you which are the best banks who provids lowest interest rates. Also, at the time of cleaning loan will SBI probides smooth process or will they delayed it with reasons?
Both my brothers are doing government jobs. There is a plot in their joint name. Have taken a home loan on it. So both of them get the benefit of interest or one of them gets the benefit. ?
Hello sir me sunil Gurung army se hu mere ko home lone lena hi ghar banane ke liye mera apna jamin hi document pura ok hi sbi se lena hi document keya lagta hi pura proses batadijeye dhanyabad sir.
Thanks for the in-depth analysis. Each second of this video is full of information. keep up the good work.
sir Bank se loan ke liye kaise negotiate kartey hai uske uper bhii ek detailed video banake hamari knowledge badane me help kariye 🙂🙏
Andaje batana muje a bank itana roi de raha pf itana hi le raha.. Loan jada de raha... Documents bahot hi kam le raha... Hai.... Our sabse kam samay kuch minto sanctions... Esa kahake executive dhamakana hai... Bus ho negotiate.... Isme koi logic nahi🤣🤣🤣
An investment in knowledge pays the best interest."
How is the forex investment done.
Yes, true but I don't know anything about it.
I have heard so much about Stock how does it work
Did i hear someone say forex ?
Do you believe I invested £4,000 and got paid £51,070 in seven days?
आपने तो सरजी पुरी कहाणी बतादी हम खुश हुये🎉❤
Worst decision to take loan from SBI. Too much delay and documentation. Too many hidden charges. Lawyer charges and forcefully property insurance
Because there is billion customers what one manager can do
101% agreed. Too much expenses.
Agree👍
Beautiful explain. , Main back chalagaya tha par apke kam ko dekh ke history main jake apke video pe comments karraha hu sur subscribe and thanks sir
What if one does not want to buy a house, but rather build it in their own land. What is the process included here? Hows is the LTV evaluation done?
Sbi offering 8.40 IR right now for new customers
And old customers have IR more than 9.50
Old customers was happy 2 yrs ago coz they were getting cheaper home loan from sbi at IR of 6.9
From last two yrs by RBI continuous hiking repo rates ,old customers IR is 9.30 or more
SBI have to do something for old
Home loan borrower to set up margin
Between (old borrower) 9.30 or more and( new borrower) 8.40
I tried to convence them to reduce my 9.30 IR but sbi head office doesn't have any policy for this that's why it is impossible
This 1 % makes 2.8 lakhs difference for HL OF 20 Lakhs after long time effect
that is huge amount
Yes correct am also facing same issue got 6.7 IR 2021 now 9.3 asked bank to reduce intrst to match the current rate 8.40% but they denied
Balance of transfer....main kya main tata capital se sbi main chala jau...tata ka 10.35 hai aur sbi ka 8.4..
Ya main tata ko aisa kuch de du ya pura? Ya sb I main le aau.
Guide me
Reply
I have a very BAD experience taking home loan from SBI. The bank process is so slow, they keep you confused throughout the loan processing time. No coordination among their employees. They are making excuses in the release of my first payment to the builder. This kind of service was not expected from this bank.
Talk with another branch manager who has knowledge don't waste your with less knowledge persons
In SBI you can find easily for hl
But try good ones
Fixed rate of interest pe le lena chahiye kyuki hamesa repo rate badhta hi hai agar ghar gya to fixed rate wala dusre bank me transfer kr lo km rate pe
ये आपने बोहत गलत बताया कि फ्लोटिंग रेट ऑफ इंटरेस्ट पर जाना चाइए। फ्लोटिंग में जब REPO रेट बढ़ता है तो बैंक EMI बड़ा देती है लेकिन जब कम होता है तो कम नही करती। उसके लिए अलगसे चार्ज करती है।
Dhanyvad Sar itni acchi Jankari dene ke liye❤❤
Hi, I already have an existing SBI maxgain home loan account. I have to open a new homeloan account. Do you think its good to have multiple maxgain accounts? OR should I go with a term loan account this time? Please suggest.
Axis bank home loan 2024 for self Employed? Konsi home loan plan leni h?Pls make video on that sir
अभी एसबीआई में प्राइम लेडिंग रेट क्या है और हाउसिंग लोन पर एसबीआई PLR से कितना पर्सेन्ट अधिक चार्ज करती है
PLR+INTT RATE=?
sir govt. employee ke liye prepayment penalty lag ta hai ki nahi ?
Very difficult to take HOME LOAN from SBI and reason i observed is their lethargic approach , too much documentation and third party lawyers approach you to get monetary benefits to clear your legal check . SBI need to improve a-lot to take his business to heights.
How they can trust
@@Subbu302 They must learn from private banks and grow business of SBI. Although they trusted big business houses , provision loans above their evaluated capacity and under pressure . Case of PNB in nirav case .
Kisi vi branch se loan le sakte hai ya fir usi locality se lena padega?
Yrr😅😅😅pressure boht related hai 😐thnxx sir
Home loan lekar Ghar banwa nhi sakte h kya
Aur 300000 hi Lena h
Sir mera salary account SBI me h aur main BOI se home loan lena chata hu to mujhe in future koi problem to nahi aayegi please guide kare
Sir,
Mai govt employee hu.. valuation fee and legal fee lagega kya ......HOME LOAN mai
Sir mera 1 question ha, mera bank account SBI mein aur. Bo dicgc sa proved hai, aur mujhe SBI ek insurance cash insurance deya ha 2 lakh rupees Jo Mera bank account may hoga Bo safe ha. Or dicgc 5 lakh rupees safe hay, tho Kiya mara 7 lakh rupees safe huya joma bank ma save karuuuu???????????🙏🙏🙏🙏🙏🙏
Please reply
I am defence personnel and my nearest SBI branch said that they don't have any facilities like home loan
They said that they can give personal loan only 😢
I have one query. If I visit different banks to check home loans interest offered by them, wouldn't it negatively affect my credit score?
Yes it will....
No. because they wont run the CIBIL unless you apply to them for the loan
My friends emi was 16k in that bank mentioned as 14k will go as interest and 2k as principal. He was paying more around 28k. But bank was deducting for interest only. He lost around 50k. What actions he can take?
Hi sir please reply . if I opt home loan for 20 years and then in future I pay that loan in 10 years only , then will interst effect the total amount or will be the same
Thanks for explaining the details.I have a question.Why SBI interest rate is higher than HDFC?
Hdfc has power to retain your property if fails
Good one - please make vlogs on many other banks both public & private & NBFCs
My Father has a land on his name. No loan.
Now I am planning to built house on that land by taking loan. Will I get loan and tax benefits.
Also will I get a loan if I want to buy only land ?
Sir mai govt employee hu but salary kisi dusre bank me hai ,, mai sbi se home loan lena chata hu .. bina salary account sbi me switch kiye home loan milna possible hai ??? Please guide me
Home loan ke liye koi bhi Bank se le sakte ho aur phir aap ko zero balance account shayad open karna hoga.
@@shubhamPandeys ok thank you
Oooooooo@@shubhamPandeys
Sir kya sbi non MDA approved property per bhi loan deta hai
Sir, I am a State Government employee. Will I have to pay the processing fee?? And is there any Prepayment penalty?
Does sbi also charge ,mod,noi and legal fee before disbursal....? Why no one talk about it as a home loan expenses
I took HL @6.8% back in jan 2021 of 25L for 15 years and now it has increased @9.5%. The outstanding amount is 20.46L as of now. What should i do to minimize its impacy
Floating pe tha ?
I can apply for BT
I can help you BCS I am a employee of bank
Floating pr tha toh regret Karo ☹️
Impact of inflation and repo rate hike, will be cheaper with inflation control and repo rate cut within few months tentatively.
10% annual interest rate hai
Ya per month 10% interest hai?
Sir, a defence personnel already had a loan since 10 years and it is about to finish in 2 years... But i want another home loan from sbi... Then, may i eligible for new home loan without closing previous running loan .
सर होम लोन मॉर्टगेज लोन क्या होता है इसके बारे में थोड़ा बताइएना
I am not getting extra 0.5 % with women borrower. They don't reduce the interest rate after a limit is reached.
Sir home loan or personal loan me kya difference he kitne intrest difference
सर गाँव के बैंकों मे भी होम लोन मिल सकता है?
Thankyou so much sir for such informative video 😊❤
Balance of transfer karane ke fayda nuksan btana?
Sir SBI ka rate of intrest kiya chal raha hai home loan pr ....persent time...
Home loan ka first emi me extra charges add krke cut hota he kya mera 900₹ extra cut hua he first emi me
hi sir ,
ek request hai apse
ek detail video bana do loan against property par
Sir agar mai society me residantial plot leta hu. Aur ghar banane ke liye loan leta hu to loan ammount mere account me hi aayega kya?
Sir balance of transfer me madiclam ka kuch fee Dena padta h kya jis bank me pahle lone tha use
50 lacs ke loan ke badle total 1.5 CR dena padega 30 years mein
House wife konse categories mei hai
I have queeeies i am salaried person with 26000/- monthly payment.... I have itr return of 3yrs, salary slip but form no 16 of only 1yr & 4 month what should I do to 2yrs of form no 16...
U get to home loan for eligible
Yes u are eligible taking home loan
Sir,
Kaun sa bank fixed interest loan dete hai throughout the tenure?
Yes but it is some period, it's not stable if you want I can help you
Very nice 👍
You gave very good information.
Policy age limit & kitne pese ki age ke anusar btaiye sir plz
I hv home loan amount 16 lakh in SBI and same requested to reduce ROI but said By SBI minimum balance should b 25lakh ,it’s true pls advise
Sir apke hisaab se zyada best konsa rhega sbi ya hdfc ??
Sbi is best now roi is 8.50
Sir govt job walo ko kuch labh milta ya nhi meri mummy drti h home loan k liye selry 40 hazar h pr case kam h kyu ki abi abi selry badi
30 lakh 15 sal ke liye lene se kitna emi hoga ?
Rate of interest par depend karega ......
Personal loan or Home loan
Jisne loan liya hai woh defaulter ho gaya hai aur jiske baje se guranter ka cibil 650 Tak chala gaya ho tho us government employee ko loan mil sakta hai kya aur rate of interest higher ho sakta hai kya
Ho sakta hai
Very very informative video, almost covered everything.please give a link to SBI home loan Excel sheet to know the emi and interest on a loan of 2500000 for 10 years for a Govt employee.
Processing fees kese caun't kare
we can get home loan upto 98% from few banks....like tata housing....first hand experience
Bank se 2021 me home loan kiya tha..abi intrest almost 10000 zyada pay krna pad raha he..intrest bada diya..
Kya isse kam kiya ja sakta he??
Sir mere allready union Bank mai saving account hai
Or mai dusari Bank mai Home loan lerha hu ky muje phele Wale union Bank ka account close karna padega ky ????
Plz reply mi sir
nahi. Home Loan ke liye saving accounts band karke ki koi jarurat nahi hoti
Should i transfer my home loan from sbi to icici please suggest
Won’t make sense in long term..it would be better if you ask SBI in writing to reduce interest rate..SBI generally reduces the rate at request
@@MyLoanKart1.0 thanks for the reply, have dropped them mail for this but have not received any reply , Should I visit the branch and give them written request you mean
@@vijayraj7932 Is your loan outstanding lesser than 15 lacs by any chance ?
@@vijayraj7932 Is your outstanding balance lesser than 15 lacs by any chance ?
Sir yeh log hamare ko loan Dene keliye hamara credit score dekte hum inke bank mein investment bank mein amount kabhi puche te kya
Mere pita ji government job me hai aur mai business karta hu....agar hum joint me home loan lenge to kya processing fees lagege ??
Nil in PNB
How to ask SBI to lower the interest rate of cibil is good
Tarm plan kon sa he lana chahiye
Very useful guidelines
Par month mey 50000 hazar se jada kama ta hu, lekin meri koi salary ka original proof nehi hai,, kea mujhe home lone mil sakta hai, 10 lakh ka home lone.?
What If we never took a loan before ?
Hi,
According to you which are the best banks who provids lowest interest rates.
Also, at the time of cleaning loan will SBI probides smooth process or will they delayed it with reasons?
Salary per loan kese calculate kare ge
monthly income-all emi X 60
Ghar banane ke liye home loan milta hai?
Mera account salaried account hai or mai government employee he hu to isme loan ki konsi category mai loan le sakta hu??
Sir kya sbi se loan 10saal ke liye le sakte kya
Sir How to reduce HBL rate for existing HBL customar???
requesting you to make a video of SBI maxgain loan , i search on youtube , not find a single good video
Sir SBI CPP PLAN DETAILS VIDEO UPDATE KARE .. HUM CLOSE OR ACTIVE KAYSE KARE ..
Very good information
Sr mai govt. Employee hun kya mai apni wife ke naam home loan le sakta hun
Reserve Bank of India houes loans interest some low now
Kya Mai home loan 10 year tak emi Kar sakti hai
Sir, Kya hum loan ka paisa hand cash puch sakte hai bank walo se?
Hi sir please music off kijiye ga .smj me bahut pareshani hoti hai 😊
Reporate badhega ya kam hoga to kaise pata kar sakte hai sir....
evaluator ki fee kitni bar li jati hai
Plot purchase and construction loan ka full details me video banaye
sir please make a video for agriculture lone
Loan approved hone main kitna time lagta hai ??
5 days only
It's totally depends on you ..as soon as you submit requisite documents your loan will be sanctioned...
Sir government job par hu selery 55000 hai kinta lon or kitne interest par mil sakta hai plz batayen
I am soljar .i am SBI bank a /c holder.i give home loan 25lak.in15years so how. Dish prosess.
Bhai Agar mujhe ghar kharidna na ho, banwana ho to kya loan milega ?
Sir mai aap ko meri cibil dikhana cha rha tha ..pr bheju kis pr
What about reducing ROI ?
Please explain all government charges
Normally, its MOD = 0.3% of Loan amount and NoI - Max. 15k. legal charged may vary to 4k
Sir property agar Ghaziabad UP main hai aur sbi se others State se home loan Lena hai jaise ki Punjab and Jammu and Kashmir kya posible hai..?
It is possible
Both my brothers are doing government jobs. There is a plot in their joint name. Have taken a home loan on it. So both of them get the benefit of interest or one of them gets the benefit. ?
Both of the borrowers will get the interest benifit
Everyone gets 50 % or everyone gets 100 percent.
@@iqrazonecommerce6126 The interest benifit is proportionate to the share in property..For example if there are two owners,both can take 50% benifit
Hello sir me sunil Gurung army se hu mere ko home lone lena hi ghar banane ke liye mera apna jamin hi document pura ok hi sbi se lena hi document keya lagta hi pura proses batadijeye dhanyabad sir.