எப்படி வீடு வாங்கினோம்? எவ்வளவு ஆச்சு ?

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  • Опубліковано 13 жов 2024
  • "Unravel the Mystery of Buying a Home!
    After the overwhelming response to my home tour video, I'm back with a detailed guide on how I bought my dream flat! From navigating the complex process to sharing my personal advice on home loans, I'm covering it all from a layman's perspective.
    In this video, I'll reveal:
    The total cost spent on my flat
    All the processes involved in buying a home
    My personal tips and advice on home loans
    Valuable insights to help you make an informed decision
    Whether you're a first-time homebuyer or a seasoned investor, this video is a must-watch! So, sit back, relax, and let's dive into the world of home buying!
    Watch till the end and don't forget to subscribe for more informative content! #HomeBuyerDiaries #HomeBuyingTips #LaymanGuide #DreamHome #HomeTour #HomeLoanAdvice"

КОМЕНТАРІ • 384

  • @aravind1580
    @aravind1580 2 місяці тому +9

    One best thing about this video is they are creating awareness from der own failure/issues faced. I really appreciate for posting this video, this will save many people money.
    You guys will come over this, put all your efforts to increase the salary and reach heights. All the best.

    • @itsyuvin
      @itsyuvin  2 місяці тому +3

      Sure sir thank you very much .. i will be posting more videos about the real time challenges as it will make at least one person to get benefitted

  • @sarikakrishnan2120
    @sarikakrishnan2120 3 місяці тому +12

    Buying flat in city vs land in outer is purely individuals decision.. Some people compromise facilities & safety for bigger living whereas few for lifestyle.. Only you know your pros and cons.. Never feel on your decision.. You have made it so enjoy your stay at your new home with amazing amenities.. Congratulations

    • @itsyuvin
      @itsyuvin  3 місяці тому

      You are right... Thank u mam...

    • @duraipandianthangaperumal1852
      @duraipandianthangaperumal1852 2 місяці тому +2

      I think It's purely based on age who's gonna live. If you fall into working age say below 40yrs of age. Buying flat in city is best. If you're 50+ age then buying a plot at city outer is good.

  • @vijayraj48
    @vijayraj48 2 місяці тому +6

    Big awareness video sister , congratulations for your dream house. Pls don’t delete this video, you have said a true point of builders side. Thank you for your valuable information

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      Thank you so much.. sure

  • @rajeshprabhu2175
    @rajeshprabhu2175 2 місяці тому +3

    Whether you bought in the right way or not..you have shared your experience with us which lot of us unaware of... So this video is really helpful to middle class people like us

  • @sathiyaganesh7773
    @sathiyaganesh7773 2 місяці тому +8

    Good awareness video. Appreciate your openness. You have shown that you end up paying around 65 lakhs by end of your loan tenure. I doubt, after 20 years the price of your flat will be more than your total cost of acquisition?

    • @itsyuvin
      @itsyuvin  2 місяці тому +3

      Ya it will be high only sir.. i will research and share the current sale value of my flat and its appreciation cost details next week

  • @praveen.m3331
    @praveen.m3331 3 місяці тому +6

    Middle class life was explained with a beautiful smile on face ❤

    • @itsyuvin
      @itsyuvin  3 місяці тому +2

      Thank you very much... instead of blaming our parents or others we can accept and live a peaceful life .. its easy to be kind to ourself.. ilaiya ..

    • @praveen.m3331
      @praveen.m3331 3 місяці тому +1

      @@itsyuvin well said madam, I appreciate your efforts 👌

    • @itsyuvin
      @itsyuvin  3 місяці тому +1

      @@praveen.m3331 🙂 sure

  • @aravind1580
    @aravind1580 2 місяці тому +3

    "took personal loan for 14L as we don't have enough money to buy", this blew my mind!!!!
    Please don't do emotional buying on real estate and motor vehicles. Think/Plan about home or home load only after completing these things,
    1. Medical and Term Insurance.
    2. Emergency Fund for 6 months family expenses.
    3. Few grams of gold, depends on which class you are.
    4. SIP for retirement plan or investment. You can choose any format like stocks, NPS, Mutual funds, postal etc.
    5. Minimum 30 to 40% cash or through gold pledge down payment of the house cost.
    Thanks.

    • @itsyuvin
      @itsyuvin  2 місяці тому +4

      hi sir.. i agree with you as said in the video that time i had no one to guide me so i have taken personal loan during 2020 to buy this flat.. i have shared the 4 years before incident .. at present in 2024 (when i look back )there were lot of changes happened in our life be in terms of our mindset and as well as our financial goal.. i took personal loan due to my poor financial planning.... now continually im fixing it one by one.. i will share in next video on our current debt status

  • @barath4ui
    @barath4ui 19 днів тому +1

    Good video for all new home buyers specifically middle class peoples who buy the first dream home 🏠
    It’s really great shared your experiences and well explained on issues you faced on that time
    Superb 💐 thanks for your great efforts

    • @itsyuvin
      @itsyuvin  14 днів тому

      Thank u sir... i will keep sharing useful information

  • @Samytravel
    @Samytravel 2 місяці тому +3

    Thank you for your information,No one will make a mistake again,it is very helpful madam.you are clearly explained.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Sure.. Thank you very much...

  • @AyappanRadhakrishnan
    @AyappanRadhakrishnan 2 місяці тому +3

    I am understand your struggle in purchasing a flat/home in Chennai. I hope you will close the housing loan as earlier .....

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      Sure... kandippa

  • @Preethixyz
    @Preethixyz 2 місяці тому +6

    I believe everything is a learning experience be it in buying a flat or a small plant!!People here complaining that she has a poor financial planning looting is common in every field say it builders or schools, yu learn from your mistakes!!Nothing comes easy we are looted on daily basis i really wonder what a kg kid has to do with his studies that cost 1L again thats how it goes in this era ryt?Ithlm venam nan selavepanamatan apdinu pesna we have to settle in villages only😅all the best for yur new flat sis!!Don't worry sis !!ithuvum kadanthu pogum keep hustling

    • @itsyuvin
      @itsyuvin  2 місяці тому +2

      Exactly.. you have typed the same that was running in my mind..

    • @arunrajamani4042
      @arunrajamani4042 2 місяці тому +2

      True ma if we don't spend for the right things like education and housing...we can't settle in city...so true friend

  • @AshwinSiva6832
    @AshwinSiva6832 Місяць тому +4

    Thanks a lot for the awareness video..
    I have also seen people fastly boasting "how i built a house without loan at 30 years age"
    This is very misleading because they got money buy selling of ancestral properties and got the landed handed over to them by her grandfather.. this is a pure lucky girl syndrome😂😂
    This is impossible for others and it was not a guidance video at all.
    But your video is very real and useful. Hats off

    • @itsyuvin
      @itsyuvin  Місяць тому +1

      Hi Ashwin
      Thank you so much for your thoughtful feedback on the video
      I’m really glad to hear that you found it real and useful. I appreciate you pointing out the difference between practical advice and misleading content. Your support means a lot
      Thanks again for watching and sharing your thoughts

  • @rajasekar2804
    @rajasekar2804 Місяць тому +2

    Congrats Madam. Live happily in your dream home. 🎉🎉🎉

    • @itsyuvin
      @itsyuvin  Місяць тому

      hi sir.. thank you very much

  • @ranjancom2000
    @ranjancom2000 2 місяці тому +4

    Buying a high-rise is a total waste. After 10 years, it becomes very difficult to renovate due to high operating costs and significant resistance from the community regarding demolishing tiles and bathrooms. It's better to go with a 2 to 3-floor building or, ideally, a villa

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      I Agree with u.. but this was my personal choice

  • @varunrokzzz
    @varunrokzzz 2 місяці тому +1

    Good input for people who plan on purchasing a flat..

  • @karthikeyana35
    @karthikeyana35 2 місяці тому +4

    I know it is emotional to get into this need of own house. Any new buyers want and accumulate min 30% of flat rate, then go for loan. Becusee next 10-12 years you are trapped with emi even though you try to close early. Note I paid off my flat in 7 years, what I learned is no more emi or loan. Debt free life is freedom

    • @itsyuvin
      @itsyuvin  2 місяці тому

      ya .. you are 100% right.... debt free life is the real freedom.. all im learning later only

    • @vennilasvilayattu7204
      @vennilasvilayattu7204 2 місяці тому +1

      How u finished ur loan in 7 years sir..pls can u share the details..is there any trick

  • @magismagics1376
    @magismagics1376 2 місяці тому +5

    Iruka vara happy ah irunthutu povom sis … individual house la um pros cons irukum flat um Pros cons irukum..namma flat la iruka amenities la enjoy pannitu vazhalam sis.. individual house vaangi land rate increase aagumey flat la invest pannitomey nu think panratha vida porappo ethum eduthutu poga porathu illa athu vara enjoy pannitu polamey nu jolly ah vaalnthutu polam sis…

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Im following the same policy ma .. individual home construction experience um iruku.... adhula innum neraya difficulties um iruku.. i will share detailed video next week.

    • @magismagics1376
      @magismagics1376 2 місяці тому +1

      @@itsyuvin ok sis.. engalukum rendu experience um iruku sis but flat la than relax ah irukom sis…native la individual house iruku recent times la neraya theft athu ithu nu oru chinna sound ketaley enthirichi ukanthutu irupen sis ..athuku flat la no bayam relax ah irukalam…

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      @@magismagics1376 rombha rombha true

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      safety reasons ku than

    • @magismagics1376
      @magismagics1376 2 місяці тому +1

      @@itsyuvin ama sis☺️

  • @suwedhas9172
    @suwedhas9172 Місяць тому +1

    Damn this is very honestvand raw video many lives in a fancy apartment not sharing the cons ! But u great ! Buy spending this huge money on a that small sq flat u can buy a independent builder house with decent sq

    • @itsyuvin
      @itsyuvin  Місяць тому +1

      hi thank you for your comment... .. actually we are building a new house . i have shared it in my recent videos on house construction updates... house building seems to be a lot of process involved and after payment every time we need to chase the builder on construction updates.. our house construction is almost over .. i will share the practical difficulties of house construction in few weeks

  • @thewiseinvestorTamil
    @thewiseinvestorTamil 2 місяці тому +4

    A land which costed 40 lakhs in 2021 now goes for 1.2 cr. That was the effect of Covid. Correct ah investment pananum

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      ya you are right...

  • @helenmary2135
    @helenmary2135 Місяць тому +2

    Thank you mam.i never been fan of any bank loans. It is a eye opener for us. Thank you so much for talking every information

    • @itsyuvin
      @itsyuvin  Місяць тому

      Thanks for your support and encoraging words..

  • @Adharsh6
    @Adharsh6 2 місяці тому +3

    If u have home via parents dont go and buy anything new.. Be in rental and invest money later on you can go whereever u want

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Agree... this is one best practical idea..

  • @ganeshpsgtech
    @ganeshpsgtech 3 місяці тому +1

    Hi mam, same story to me booked on 2020 and handed over 2022. My builder is Plaza...
    Only positive to us flats prices are higher after Corona and even rent increased...

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Yes.. its an investment only.. so no.worries.. hifi

  • @kaviyarasans6377
    @kaviyarasans6377 Місяць тому +2

    Plz plan to pay extra payment except emi in every year. Keep a goal to close your tenure as soon as.. unless this will be heavy loss & impact your future goals

    • @itsyuvin
      @itsyuvin  Місяць тому

      Hi sir.. sure i am planning the same

  • @italiandiary
    @italiandiary 3 місяці тому +1

    The total cost is 47 lakh,
    12 thousand rupees.
    The flat rate is 44.77 lakh.
    The total value is a 30 lakh home loan
    and a 15 lakh personal loan (7.5 lakh each for husband and wife).
    Electrical wiring and other work, as well as covered car parking, cost 2.23 lakh.
    The remaining home loan to be paid,
    including interest, is 60 lakhs.
    நன்றி!
    How much EMI?
    and how long do you need to pay?

    • @itsyuvin
      @itsyuvin  3 місяці тому +1

      I have posted a detailed video about my homeloan interest tenure.. if possible pls check thst video.. i paid pre emi for 2 years and after that home loan started .. it is for 264 months (due to repo rate conversion in between it changed to 30 years) as per system i need to pay 243 months emi is 26000

  • @deepakbauliah1508
    @deepakbauliah1508 2 місяці тому +4

    Hello Sister, நீங்க ரொம்ப இஷ்டப்பட்டு இந்த வீடு வாங்கிருகீங்க.. யார் சொல்வதை பற்றியும் கவலை படவேண்டாம். காசகிராண்ட் விற்பனையாளர்கள் வாடிக்கையாளர்களிடம் வெளிப்படையாக பேசி இருக்கலாம், ஆனால் இன்றைய காலத்தில் மனசாட்சியுடன் இருக்கும் கார்பொரேட்'களை கண்டறிவது மிகவும் கடினமான ஒன்று.
    இந்த home loan, personal loan எல்லாமே கட்டி முடிப்பதற்கான நம்பிக்கை, வாய்ப்பு, வருமானம், எல்லாவற்றையும் இறைவன் உங்களுக்கு அளிப்பார். home tour video முழுவதுமாக நானும் என் மனைவியும் பார்த்தோம். உங்கள் வீடு ரொம்ப அழகா இருக்கு. நம்மை போன்ற நடுத்தர மக்களுக்கு சொந்த வீடு என்பதே ஒரு பெரிய கனவு தான், அந்த கனவை நீங்கள் நினைவாக்கி இருக்கீங்க. வாழ்க வளமுடன் ❤🎉

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      Hi Sir, your comment is very encouraging... ரொம்ப ரொம்ப மனசு நிறைவா இருக்கு ...பாதி கடன் அடைச்சாச்சு .. நெறய பகிர வேண்டிய விஷயங்கள் இருக்கு நான் சீக்கிரம் சொல்றேன்....

  • @prakashd9452
    @prakashd9452 2 місяці тому +6

    I have planned to buy flat and researched last 2 years and decided to stay in rental home itself feel better.

    • @itsyuvin
      @itsyuvin  2 місяці тому +3

      very true.. same time house owner should be good

    • @damovlogs3812
      @damovlogs3812 2 місяці тому +2

      Never buy flat sir, my 20 years life in flat was hell. I lost all my freedom in childhood 😢

    • @prakashd9452
      @prakashd9452 2 місяці тому +3

      @@itsyuvinLast 8 years staying in rental home. i never faced the house owner issue.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Oh no what happend

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      Then u r very lucky.. my wishes for ur investments

  • @PrateeshB
    @PrateeshB Місяць тому +2

    I appreciate your efforts sister really useful information.

    • @itsyuvin
      @itsyuvin  Місяць тому +2

      hi sir.. thank you very much

  • @Ms0000000000123
    @Ms0000000000123 2 місяці тому +1

    This video will help many. Thank you for sharing this in good faith.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      thank you very much

  • @vadivelu1041
    @vadivelu1041 2 місяці тому +2

    Hello may i know why electrical work they charged around 90K
    Is it not included in overall price . Customization means small amount only will right around 5000 for extra wiring+box

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      I asked for 1 loft provision + electrical work for this 90k i paid .. my house is same ad mentioned in brochure model house i didn go for more modification

    • @vadivelu1041
      @vadivelu1041 2 місяці тому +1

      @@itsyuvin congrats for your new flat

  • @akshayavenkatesh3793
    @akshayavenkatesh3793 3 місяці тому +3

    Interior design with cost video podunga mam

  • @Lakshmipriya-hc1wm
    @Lakshmipriya-hc1wm Місяць тому +1

    Really humble info.. thanks sis. Very helpful

    • @itsyuvin
      @itsyuvin  Місяць тому

      hi ... thank you mam..

  • @shakthis_view
    @shakthis_view Місяць тому +2

    Appreciate your proper financial planning

    • @itsyuvin
      @itsyuvin  Місяць тому

      Hi .. Thanks,, but still i did mistake by opting for personal loan.. i should have planned better

    • @shakthis_view
      @shakthis_view Місяць тому +1

      @@itsyuvin True, try to close as quick as possible. you can save lot of interest money. I too bought a flat in bengaluru and emi started since 2021, but every year i am paying 2-3 extra emi's so interest amount will be reduced

    • @itsyuvin
      @itsyuvin  Місяць тому

      sure i will pay extra from December onwards sir.. really a good insight

  • @JeevisLens
    @JeevisLens 2 місяці тому +4

    Unga kita irundha 15lakh nega edhachum fund la potu vachirundha kuda ipo 4 years ku adhu adhu 20-25lakhs vandhurukume!!! Sad reality is because of societal pressure people are buying homes by going with loans but eventually they ended up with mental pressure

    • @itsyuvin
      @itsyuvin  2 місяці тому +2

      U r 100% right... pear pressure than

  • @ranjancom2000
    @ranjancom2000 2 місяці тому +1

    Go with Fixed interest and invest 10% of EMI in SIP for same Years what you have home Lone.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Ya fixed interest is the good option.. to bw frank in bank they are not letting us know further about fixed interest proceedings

  • @hemanth_loky
    @hemanth_loky 2 місяці тому +1

    Thanks for sharing your experience mam. Really useful 🙌🏼

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Sure... thanks for the feedback

  • @SRIVATSAS-f9y
    @SRIVATSAS-f9y 2 місяці тому +2

    Hi Madam. One important information for you regarding home loan. Are you aware of Parallel funding? None of the banks will never advise and explain to the customers about Parallel funding. They focus only to pluck more money from the customer by cheating. If you are not aware of this Parallel funding, please go and discuss with the bank from where you arranged home loan. If you go with Parallel funding, you can avoid PRE-EMI.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      parallel funding pathi nan ipothan kelvi paduren... very useful i will check immediately

    • @SRIVATSAS-f9y
      @SRIVATSAS-f9y 2 місяці тому +1

      @@itsyuvin Parallel funding is nothing but you can repay your loan both Principle and Interest at a same time whenever you have huge amount on hand. Please check with the bank immediately. So that you can avoid PRE-EMI.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      @@SRIVATSAS-f9y very useful

    • @SRIVATSAS-f9y
      @SRIVATSAS-f9y Місяць тому +1

      @@itsyuvin Parallel funding details bank la ketu therinjikitengala?
      Naanga 3rd floor la veedu vaangirukoam. Next week Griha Pravesam.

    • @SRIVATSAS-f9y
      @SRIVATSAS-f9y Місяць тому +1

      @@itsyuvin Not me. Maybe my sister might be in the group because she bought apartment in Zenith.

  • @cadetvinith6816
    @cadetvinith6816 2 місяці тому +1

    Hi akka....just watched your video randomly today 1st video of your channel. Subscribed now🤍. Hope for more video regarding genuine and heartful thoughts in future.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hi.. thank u very much.. im plannung to share lot of videos.. pls subscribe and support

  • @amomslittlespace
    @amomslittlespace 2 місяці тому +4

    I appreciate your efforts. But I truly wish the middle class would not fall into this trap of buying a flat with a home loan and personal loan.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Yes, very true

  • @SrkSrk-d5l
    @SrkSrk-d5l Місяць тому +1

    I have a 4 bhk individual modern house and a flat too...but I feel safe in the flat and my maintainance is very low in flat..and ur choice is better mam

    • @itsyuvin
      @itsyuvin  Місяць тому

      Thank u sir.. im also concerned about safety

  • @duraipandianthangaperumal1852
    @duraipandianthangaperumal1852 2 місяці тому +7

    Brokers are ruining the real estate market. They are earning fat amount without any reasonable effort.

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      Yes .. we found that 15lakhs house using no broker website on our own.. after finalising this broker asked us extra 1.5lakhs

  • @Sriram-z5f
    @Sriram-z5f 3 місяці тому +2

    Hi sis .. good you did this video..many of them will be benefited..lots of cons than pros..better to go for a old flat or house or a rent house..becoz most cant afford and too much hidden charges from builder and bank side.. somehow by Gods grace ,you are managing but all cant do..i prefer to stay in a rent house and then start a small cap mutual fund for 15 years ..which will give 1 crore with an interest of 15%..builders are experiencef in marketing to sell a flat..the managers are trained well and paid well with incentives if they catch hold of a customer to book the flat..

    • @Sriram-z5f
      @Sriram-z5f 3 місяці тому +1

      Also as you said if we buy a house ,we can stay without rent but it's not a very good appreciating asset as it doesn't beat inflation.. depends on area also..the payment is too much and UDS is negligible for high rise community apartments.. I think after 50 years ,it has to be demolished also.. your first decision of buying a old flat was correct..you would have saved many lakhs..I think that broker has insulted a lot ...that's why your family thought this apparment is best.. sorry if I hurted you..I felt how much you people struggled, that's why I told..

    • @itsyuvin
      @itsyuvin  3 місяці тому

      You are right and yes we are doing SIP in MF. I have asked my husband to take care of it. Before 5 years we didnt have much financial knowledge so our wish to own a house become a life long financial commitment. Hopefuly this awareness will impact in next 5 years.

    • @vennilasvilayattu7204
      @vennilasvilayattu7204 2 місяці тому +1

      ​@@itsyuvinsis pls do video about investment in sip mutual pls..BTW I am ur new subscriber....and I like ur way of speaking with smile

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Sure this month i will post sip and mutual funds sure...

  • @RajaFashion-nk4wp
    @RajaFashion-nk4wp 2 місяці тому +4

    Thank you
    Emi la flat vanga nenechen
    Eppo mudiva mathikiten

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      inum neraya house purchase experience iruku.. i will share it this week

  • @SURENDHAR1
    @SURENDHAR1 2 місяці тому +2

    Good information it's very useful...
    Thank you

  • @CriticsYouBOY
    @CriticsYouBOY 3 місяці тому +6

    Dont you think
    Home is also outer area
    Monthly 2,500
    Land is also not yours
    Amenities you will not use daily
    Pradhan Mandri_loan vera miss panitingalae ma
    Evalav drawbacks eruthu 47 lakh rate ;
    Athukhe outer area ; la own land 1 bhk veedu vaagite poirlam
    Anyway chennai is expanding fast
    3 year land area ratewill increase
    3 year also you wastedfor home
    House is very beautiful sister
    God is with you , Dont worry

    • @itsyuvin
      @itsyuvin  3 місяці тому +2

      hi sir .. you are right.. i first opted for this home thinking i will get benefit through pradan mandri scheme. that was one of the factor to choose this house. but later only realised its a sales gimmick.. the bank which i bought homeloan is also not shown any help or attention to avail it... to be frank it was a trap only... . as you said im hoping the flat value gets increased in next 3 years so i can decide on the best option.. its a life lesson i learned by paying huge..

    • @CriticsYouBOY
      @CriticsYouBOY 3 місяці тому +2

      @@itsyuvin Yeah ma : dont worry sister
      Your mother is with you , we all are with Great achievement waiting for 🙏❤️

    • @itsyuvin
      @itsyuvin  3 місяці тому +1

      Sure thank you very much.

    • @ZabeenNoorainAlimehmubal-hg9oy
      @ZabeenNoorainAlimehmubal-hg9oy 2 місяці тому +1

      Dont tell like this sir.. their won ideas their choice any way congrts sis❤❤❤❤

    • @itsyuvin
      @itsyuvin  2 місяці тому +2

      @@ZabeenNoorainAlimehmubal-hg9oy hi ma he is creating awareness .. a new flat owner who sees his comments will think about the points before buying a flat ... .. I'm thinking on that point .

  • @akhilsworld
    @akhilsworld 3 місяці тому +1

    What about GST madam?for under construction project we need to pay GST right?

    • @itsyuvin
      @itsyuvin  3 місяці тому +1

      Yes sir the amount is included with gst cost

  • @NaveenKumar-ul5zz
    @NaveenKumar-ul5zz 3 місяці тому +1

    Hello Mam!
    May I know the handover month & year as per the agreement if you don't mind

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Hi sir, sure I can share.. As per agreement handover month is August 2021 but we got our flat on April 2023

  • @sukhibalan2117
    @sukhibalan2117 Місяць тому +3

    This information creates awareness to most...but u would hv plan accordingly before get into this process.😢

    • @itsyuvin
      @itsyuvin  Місяць тому

      Yes.. agree.. i should have planned better.. all happened on a hurry

  • @ridhanyafernandaz4092
    @ridhanyafernandaz4092 Місяць тому +4

    நாங்களும் ஹோம் லோன் எடுத்தோம் 15 வருடம் ஆனால் 6 வருடத்தில் முடித்து விட்டோம்

    • @itsyuvin
      @itsyuvin  Місяць тому +1

      wow.. really.. pls share tips

  • @SMKarthikeyan
    @SMKarthikeyan 3 місяці тому +1

    Such a great insight of how the process occurs .

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Hi thank u very much..

  • @giridharansadagopan
    @giridharansadagopan 2 місяці тому +1

    flat maintenance charges also amenities charges please explain

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Sure I will post a video in few days

  • @shankersinju1
    @shankersinju1 2 місяці тому +4

    Thanks a lot for this great information mam

    • @itsyuvin
      @itsyuvin  2 місяці тому

      My pleasure 😊.. thank you very much

  • @ManiselvamM
    @ManiselvamM Місяць тому +2

    Prepayment pannalaya mam panniruntha yrs ah korachurukalame

    • @itsyuvin
      @itsyuvin  Місяць тому

      hi sir.. prepayment ilai.. pre emi than katinen..

    • @ManiselvamM
      @ManiselvamM Місяць тому

      @@itsyuvin pre emi kattuna ennakum

  • @LS-cg4wj
    @LS-cg4wj 2 місяці тому +1

    Hi, how much is maintenance per month or per annum. Thanks

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hi.. we are paying on monthly basis.. its 2500rs per month

  • @pradeepsivakumar8032
    @pradeepsivakumar8032 2 місяці тому +1

    Well explained..u saved many people life❤

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Thank u very much

  • @Everythingisgood24
    @Everythingisgood24 2 місяці тому +4

    Inga ivalo lakhs extra payment kuduthathuku antha 15 lakhs house ku 1.5 kuduthutukalamo...

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hahaha... sometimes apadiyum thonum .. truth ennana ... hidden charges neraya irundhurukum nga.. registration cost + renovation cost ipadi nerraya extra cost agee irukum

    • @Sinthana9194
      @Sinthana9194 2 місяці тому +1

      Exactly...this is just a casa grande collab

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      No ma.. i never recommend casagrand ..im already working ma so there is no neccesity to do promotion or paid promotions ma.. i wanted to share my buying experience.. hope u r clear now

  • @trstrscit
    @trstrscit 3 місяці тому +2

    Casa grand is good builder ?

    • @itsyuvin
      @itsyuvin  3 місяці тому +1

      Good only but they pressure u to make payment as per their deadline.. they dont listen to us

  • @kalyanasundaramneelakandan6755
    @kalyanasundaramneelakandan6755 2 місяці тому +1

    Firstly congrats for your Dream Home 👏 Home is nice and good sister
    1. Is there any UDS for land, then how much UDS share for 546 Sq.ft flat.
    2. Corpus 50K for what? is for amenities? Its refundable?
    3. How many years builder is giving DLD?
    I'm also planning to buy flats from developers.
    Thanks.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hi sir corpus fund is non refundable.. its for the amenities only.. UDS and DLD details i will share it this week

    • @vennilasvilayattu7204
      @vennilasvilayattu7204 2 місяці тому +1

      What is dld sir

  • @vinothraj3186
    @vinothraj3186 2 місяці тому +2

    Thanks a lot for your valuable tips!

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Thank u very much

  • @sriramgce1985
    @sriramgce1985 3 місяці тому +1

    Madam one thing. do we get Patta for flat. please do explain us, it will behelpful!. Thanks

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Sure.. i will post a video.. patta is very very important for a property

  • @tanka_tamil
    @tanka_tamil 2 місяці тому +2

    Most useful video learn lot of things thank you mam

  • @_lovedbythaz_
    @_lovedbythaz_ 3 місяці тому +1

    Is there any flats still available and may I know which place in Chennai if you don’t mind 😢

    • @itsyuvin
      @itsyuvin  3 місяці тому

      In our community all flats are sold out ma.. only resale flats are available but cost will be 50% higher..our flat is near to OMR

    • @rudhkrishcrazymaster4668
      @rudhkrishcrazymaster4668 3 місяці тому +1

      Hi

    • @itsyuvin
      @itsyuvin  3 місяці тому

      @@rudhkrishcrazymaster4668 hi

  • @aravindselvan7718
    @aravindselvan7718 2 місяці тому +1

    Hello mam, thanks for your valuable information. We planning to buy a apartment in next 1 or 2 years. we came across one of Casagrand project with 60+ amenities. We would lke to know how much the maintenance cost wll be in Casagrand. Thanks in advance.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hi ... maintenance will be charged from 3.50rs to 7rs per sqft.. you can multiply into.total.sqft.
      Currently we are paying 2500rs per month

    • @aravindselvan7718
      @aravindselvan7718 2 місяці тому +1

      @@itsyuvin Thank you

    • @Desperado-27
      @Desperado-27 2 місяці тому +2

      If you are planning to buy a house for investment purpose i would suggest you to buy a land and build a independent house. These fancy apartments are best for renting rather than owning.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      @@Desperado-27 you are right

  • @divyar2364
    @divyar2364 3 місяці тому +1

    Hi sis, when they will give EB document and water tax documents?

    • @itsyuvin
      @itsyuvin  3 місяці тому

      EB we received last year itself .. watwr tax document i am yet to check mam

    • @divyar2364
      @divyar2364 3 місяці тому

      @@itsyuvin thank you sis

    • @divyar2364
      @divyar2364 3 місяці тому +1

      Will they give EB doc at the time of handover?

    • @itsyuvin
      @itsyuvin  3 місяці тому

      No mam we received after 2 months of handover.. now i heard they are giving it along with handover copy

  • @SRFC69
    @SRFC69 2 місяці тому +1

    Edhuvum thappillai. Veedu our dream❤❤❤❤

    • @itsyuvin
      @itsyuvin  2 місяці тому

      thank you very much...

  • @thenmozhiloganathan6353
    @thenmozhiloganathan6353 2 місяці тому +2

    Thanks for your video...its very informative sis

  • @madhan93240
    @madhan93240 3 місяці тому +1

    Thank you for sharing valuable tips

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Sure.. i will be posting more of my experience which will be helpful to others

  • @divyae4552
    @divyae4552 3 місяці тому +1

    Akka ennakum gated community la veedu vanganum romba asai but ennala vanga mudiyala ka.. three years ah try pantren but still I can't..

  • @vaishumth5
    @vaishumth5 2 місяці тому +2

    Kindly share sofa shop details.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Ok mam this sunday i will share detailed video

    • @vaishumth5
      @vaishumth5 2 місяці тому +1

      @@itsyuvin can you share the contact of the person pls

    • @itsyuvin
      @itsyuvin  2 місяці тому

      @@vaishumth5 pls mail to techiemomchennai@gmail.com I will share his details mam

  • @karthik27190
    @karthik27190 2 місяці тому +2

    Which location madam casa grand and project name

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hi sir.. project details and location i will share in direct mail sir
      My mail id techiemomchennai@gmail.com

  • @sashe90
    @sashe90 2 місяці тому +1

    Great explanation and thanks for sharing

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Thank u very much

  • @dhamodharanmanickam1373
    @dhamodharanmanickam1373 2 місяці тому +1

    Veedu katti par kalyanam pandi paru nu sonathu true. Nan 2019 la kadunden register bank broker nu nerya Peru sonatha vida ethide irunthanga. Veedu katti Nan valanthano illayo nerya Peru ena vechu valranga nu veedula solide irupen. Back intrest eride iruku repo nala. Can completely understand ur feelings

    • @itsyuvin
      @itsyuvin  2 місяці тому

      correct... we are earning for someone wellness

  • @ushamk924
    @ushamk924 3 місяці тому +1

    Thanks for sharing such a useful information

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Thank u mam...

  • @KumarReloaded
    @KumarReloaded 3 місяці тому

    First of all congratulations on owning a house. What you have achieved is many people's dream. That too on your own with less/no help, support or guidance.. learning from your own mistakes.. from planning to buy a house for 15L and then stretching out to almost 50L. Shows how much you are truly capable of mentally. Don't worry about the negativity on the wasted time or money. You have achieved something on your own. Good things happen for good people. You'll reach greater heights.

    • @itsyuvin
      @itsyuvin  3 місяці тому +1

      thank you very much.. lot of positivity...

  • @coolnaik5014
    @coolnaik5014 Місяць тому +1

    Pl post more details about pre emi

    • @itsyuvin
      @itsyuvin  Місяць тому

      Sure nxt week podren

  • @umavelraj6422
    @umavelraj6422 Місяць тому +2

    Hi sissy,..whats ur kitchen size???

    • @itsyuvin
      @itsyuvin  Місяць тому +1

      kitchen size thaniya ilai ma.. its attached along with hall.. 9*7 ma.. i will share floor plan this week..

    • @umavelraj6422
      @umavelraj6422 Місяць тому

      @@itsyuvin thanks fr ur reply....

  • @mikethebeagle2180
    @mikethebeagle2180 Місяць тому +2

    Maybe, you got extra delayed in handover because of COVID restrictions. Else an established should not have taken mors than 2 years.

    • @itsyuvin
      @itsyuvin  Місяць тому

      hi sir ... agree but recently my frnd booked apartment in casagrand Elinor - they extended again 2 years. i dont know the real reason of handover .. but casagrand is delaying very much

  • @mohanasundaramsr18
    @mohanasundaramsr18 2 місяці тому +2

    Thanks mam, its a useful information

    • @itsyuvin
      @itsyuvin  2 місяці тому

      sure... Thank you very much ...

  • @anisha2414
    @anisha2414 2 місяці тому +1

    Sis ungaluku loan outstanding la kammi aagalaya 3lakh katna pri emi la

    • @itsyuvin
      @itsyuvin  2 місяці тому

      ilai mam ... outstanding la koraiyala .. actually loan emi tenure itself will not be started when we pay pre emi... they claim the pre emi will be bucketed in the over all interest amount

    • @anisha2414
      @anisha2414 2 місяці тому +1

      @@itsyuvin yenaku kammi aagudhu pa unga bank side la visarichu parunga namma keita thaan solluvanga

    • @itsyuvin
      @itsyuvin  2 місяці тому

      @@anisha2414 pre.emi la kammi agathu mam

  • @SamuvelK-y1o
    @SamuvelK-y1o 2 місяці тому +2

    Casagrand s a fraud, sister. Atleast you received a home..one of my friend yet to get the apartment. 47 lahk s huge amount for before four years.

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Agree... any reason for the delay

  • @klakshmipathy6248
    @klakshmipathy6248 2 місяці тому +3

    That too u purchased only 600 sq ft

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hi. Pls share better options so it will help a new buyer to decide the better option

  • @cath14
    @cath14 2 місяці тому

    Super cool da, very nice and well explained ❤

  • @shanthalaxmikumar4931
    @shanthalaxmikumar4931 3 місяці тому +2

    This is 800 sqrft or 500 mam ?

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Hi mam.living area is 546 sqft

  • @akshayavenkatesh3793
    @akshayavenkatesh3793 3 місяці тому +1

    Na home loan next month eduka pora
    Still pradan mandhri scheme ipo avail panikalama sis

    • @itsyuvin
      @itsyuvin  3 місяці тому +1

      Its not available ma... at present they dont process

    • @akshayavenkatesh3793
      @akshayavenkatesh3793 3 місяці тому +1

      @@itsyuvin thanks for your reply

    • @itsyuvin
      @itsyuvin  3 місяці тому +1

      @@akshayavenkatesh3793 pls proceed ur loan with sbi or uco

    • @akshayavenkatesh3793
      @akshayavenkatesh3793 3 місяці тому +1

      @@itsyuvin okay thanks sis

  • @Baby_Lavi
    @Baby_Lavi 3 місяці тому +1

    how much maintainance cost per month?

    • @itsyuvin
      @itsyuvin  3 місяці тому

      2500rs per month for our flat ma

    • @sampathkumar6230
      @sampathkumar6230 3 місяці тому +1

      Maintenance will also increase very sooner

    • @itsyuvin
      @itsyuvin  3 місяці тому

      @@sampathkumar6230 yes

  • @3crimepartnerssangeethaand527
    @3crimepartnerssangeethaand527 3 місяці тому +1

    You are right... Me too in 2019 was lukg fr a flat.. casagrand was 80 plus fr double bedroom flat.. n ofger flats wer all out of city .. very far.
    So i went fr a second hand flat.. cost was 50 and registration amount was 5.40 laks.. so total 55.40.. but im in omr near to office.. im not at all satisfied bcoz its 10 yr old flat n no amenities like swimming pool or gym ... 1080 sqft.. but still not very comfortable.. but wen i hear abt ur story.. thats too much 47.5 laks fr 1 bedroom.

    • @itsyuvin
      @itsyuvin  3 місяці тому

      For me There was no proper guidance at that time.. everything is a learning ... space issues are there but i managed it with proper inteeior planning... at one point im happy because atleast i did an investment in an appreciation asset.... next time i will not be making this mistake

    • @sindhuranjith7007
      @sindhuranjith7007 3 місяці тому +1

      2 beds irunthuchu lle?

    • @itsyuvin
      @itsyuvin  3 місяці тому

      @@sindhuranjith7007 2 bedrooms only

    • @sindhuranjith7007
      @sindhuranjith7007 3 місяці тому +1

      ​@@itsyuvinmele cmnt le 1 bedroom nu sollirukanga so asked

    • @itsyuvin
      @itsyuvin  2 місяці тому

      @@sindhuranjith7007 ya ya I too just noticed

  • @saravananc7167
    @saravananc7167 2 місяці тому +2

    வாழ்த்துக்கள் 🎉

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Thank u very much

  • @nainamohameda233
    @nainamohameda233 3 місяці тому +1

    Medam 546 sq ft around 47 lakhs worth ah!! neenga vera option yosikalaya..my opinion 47 lakhs ku atleast oru minimum 800 sqft land vangi construct panirkalamae...

    • @itsyuvin
      @itsyuvin  3 місяці тому

      You are right ... andha time vera option yosikala.. becausee nanga property thedina time rendu perume working so property thedi kandu pidikarthuku plus construction na regular site visit pani monitor pananum .. andha time engaluku leave and permission ofc la easy ah eduka mudiyatha situation.. so indha option choose panitom..

    • @ganeshpsgtech
      @ganeshpsgtech 3 місяці тому +1

      ​@@itsyuvin madam 546 is carpet area, Selling area should be around 800 right?

    • @nainamohameda233
      @nainamohameda233 3 місяці тому +1

      @@itsyuvin ok understood..Congratulations on you new happy home...

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Thank u sir sure...

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Yes sir you are right

  • @vedhagiri-gu5wb
    @vedhagiri-gu5wb Місяць тому +2

    Good Information.

    • @itsyuvin
      @itsyuvin  Місяць тому

      Thank you, sir..

  • @kpselva
    @kpselva 2 місяці тому +1

    Congratulations sister 👏

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Thank you very much..

  • @HelpfulInitiatives1
    @HelpfulInitiatives1 2 місяці тому +1

    Congratulations❤

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Thank u very much

  • @amirthachannel1217
    @amirthachannel1217 3 місяці тому +2

    Builder name mam,

  • @ajrags3503
    @ajrags3503 3 місяці тому +1

    Hi sis soldranu thappa eduthuka venam my suggestion konjam chennai outer la poirundha individual land + home hae vangirukalam or veedu ungaluku pudicha maari katirukalam but yen neenga flat ku ponninga and adhuvum ila indha casagrand lam kaasa pudunga thaan papanga🫠

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Very true.. aporom than realize panom

  • @RathiVimal
    @RathiVimal 2 місяці тому +1

    Useful information

  • @divya-iw1ux
    @divya-iw1ux 3 місяці тому +2

    Very useful sis

  • @balamurugan6150
    @balamurugan6150 2 місяці тому +1

    Congrats.. Happy living

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Thank you for the wishes..

  • @Jenistudio1
    @Jenistudio1 2 місяці тому +6

    😢😢 For this amount you can buy individual land and build a house 🏠😢

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hi ma... i was looking for a property within my office and my son school limit.. this is the easiest process to avail loan and owning the property.. and currently this is the cost for buying flat in gated community ma.. there are some practical diffuculties in buying land and constructing home.. i will share my experience in it

  • @RRRSIRI
    @RRRSIRI 3 місяці тому +1

    House plan please

    • @itsyuvin
      @itsyuvin  3 місяці тому

      Sure i will share it

  • @sasikumartist
    @sasikumartist 2 місяці тому +1

    You never went for legal opinion?

    • @itsyuvin
      @itsyuvin  2 місяці тому

      Hi.. legal opinion for current flat or that second hand flat sir.

  • @preethu2224
    @preethu2224 Місяць тому +1

    Tneb charges sollalye

    • @itsyuvin
      @itsyuvin  Місяць тому

      Adhu vangumbothu solala mam

  • @sekarism
    @sekarism 2 місяці тому +1

    maintenace la Mattaporingha

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      Hi Brother, Yes monthly maintenance pay panrom.

    • @prakashd9452
      @prakashd9452 2 місяці тому +1

      May i know how much monthly maintenance? ​@@itsyuvin

    • @itsyuvin
      @itsyuvin  2 місяці тому +1

      2500rs pa