வீட்டுக்கடனில் இருந்து தப்பிக்க என்ன செய்ய வேண்டும்!!!காடு வரை பிள்ளை, கடைசி வரை வீடு!!!
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- Опубліковано 25 бер 2023
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ஆனந்த் ஸ்ரீனிவாசன் அவர்களின் டெலிகிராம் பக்கத்துடன் இணைய, கீழே உள்ள இணைப்பைக் கிளிக் செய்யவும்: t.me/moneypechuoffl
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moneypechu.com இணையதளத்தைப் படியுங்கள்.
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எங்களிடம் நேரடியாக ஆலோசனை கேட்பதற்கு, இணைப்பைக் கிளிக் செய்யவும் : anandsrinivasan.in/book-appoi...
எங்கள் பிற UA-cam சேனல்கள் :
Be Rich - (In English) / @berich467
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மக்கள் பேச்சு - Makkal Pechu - / makkalpechu
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புத்தகங்களை வாங்க:
ஆனந்த் ஸ்ரீனிவாசன் அவர்கள் எழுதிய புத்தகங்களை நேரடியாக எங்களிடம் வாங்க,கீழே உள்ள இணைப்பைக் கிளிக் செய்யவும் :
rb.gy/joptqf
ஆனந்த் ஸ்ரீனிவாசன் அவர்கள் எழுதிய புத்தகங்களை அமேசான் கிண்டிலில் வாங்க.
-----------------------
பணம் எனும் மந்திரம் (தமிழ்)
www.amazon.in/dp/B09QKKXW6S/r...
சாதாரண பங்கு அசாதாரண லாபம் (தமிழ்)
www.amazon.in/dp/B093GBKNR8
Ordinary Stocks, Extra Ordinary Profits (English)
www.amazon.in/dp/B01L43JF16/r...
Alchemy Of Money : (English)
www.amazon.in/dp/B01L43JF16/r...
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சுயநலமாக இருக்கும் மனிதர்களிடயே, பொதுநலத்தை கருத்தில் கொண்டு அறிவுரை கூறும் எங்கள் குரு ஆனந்த் சார்க்கு எனது நன்றிகள். 💫🙏
❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤
Ellarum selfish than bro ..
@NBFC LOAN DP NUMBER👈 Loan vaangadha nu sollittu irukkaru. Andha video la eh vandhu loan ku contact pannunga nu solra paaru. Mass panriye bro 😂😂😂
❤❤❤ 💯💯
9.71 lakhs to 9.75 lakhs subscribers in 2 days... Super sir...
இன்றைய காலத்தில் இப்படியொரு நல்ல எண்னம் கொண்ட பொருளாதார நிபுணர் திரு. ஆனந்த் அவர்களின் சேவை ஏழை எளியவர்களுக்கு கிடைத்த பொன்னான வாய்ப்பு . குருஜி நீண்ட காலம் நலமுடன் வாழ வாழ்த்துக்கள் 🙏
Golden ideas from Anand sir,
1. Don't buy home, stay in rent
2. Build your wealth at physical gold in early career
3. Invest in nifty50 index and stay invested.
4. Don't waste money on luxury products.
5. Acquire talent every day by reading articles and books.
You are such a well wisher of Tamil middle class community. Hat's off.
I'll pray for your health for long life.
I accept this as a selfish thought. Because then only I can acquire you idea and talent from day by day ❣️👌🙏
🎉
❤
மக்களுக்கு இது உண்மையான டிப்ஸ். இதை உடனடியாக நடவடிக்கை எடுத்து விட்டா நன்மை🎉கிடைக்கும்
1 M subscribers தொட கேசவ் ரசிகர்கள் சார்பாக வாழ்த்துக்கள் ஆனந்த் sir
Keshava 👍
❤❤
❤
1 yr aakum
Keshavan Army🔥
என் தாத்தாவுக்கு நன்றி அந்த மனிதன் கட்டிய வீட்டில் நான் நிம்மதியாக இருக்கேன்.
ஆனந்த் சீனிவாசன் சார் சொல்வது நூற்றுக்கு நூறு உண்மை
♥️🥰தீவிர கேஷவ் அண்ணா பக்தர்கள் சார்பாக இந்த காணொளி 1M அடிக்க வாழ்த்துகிறோம்🥰♥️..
முத்தூட் ஹோம் பைனான்ஸ் உதாரணம்... யாரும் முத்தூட் போகவனேடாம்
Anand Sir - I wonder how you could understand the pain of middle class despite born rich and being rich. It shows your value system. Your selfless act will keep you healthy and active. My way of living is constantly being refined with your experienced inputs from time to time. Always grateful to you, your brother and your MP team!!!
This is called as empathy
மிக மிகத் தெளிவான விளக்கம் நன்றி ஐயா❤❤❤❤❤❤❤
எதற்காக பிறந்தோம் ஏன் இறந்தோம் என்று தெரியாமல் வாழும் பிராய்லர் கோழிகள் சார்பாக வீடியோ வெற்றி பெற வாழ்த்துக்கள் 🐔🐔🐔
😂😂😂😂😂
😂😂😂
Kari Kada vachirukingala Anna
@@3ree6ixty19 கறி நிறைய சாப்பிட்டு இருக்கிறேன் அதனால் சட்டென்று வந்தது இந்த சிந்தனை
😂😂😂
I took loan in 2015. After first 2 years, I realized that I am trapped. Then I prepared an excel to calculate EMI. With that I calculated and planned my EMI properly and closed my loan in 2020 December. Whatever Mr. Anand sir said is correct. I followed it 4 yrs back and it worked well.
Sir, how much loan you took and how much was the EMI ? Could you please elaborate it ?
@vinu how much loan you took and how much emi paid and how you closed the loan ,, pls share so that we will plan to do the same
Epudraaaaaa
how to calculate emi in excel solunga knj
@@arunyou123 24 lak loan 25k emi
சாமானியர்களுக்கு அரிய வழிமுறைகளை எளிமையாக விளக்கும் நல்ல உள்ளம் கொண்ட தங்களுக்கு உள்ளம் நிறைந்த நன்றி!!
Really a wonderful Explanation sir. Asaiyai thallivachittale 90% financial problem sovle aaidum.. Congratulations Anand appa and Kesav Thambi.
Keshav bro, please request Anand sir to write a book or video on Child finance education. It will be helpful to get a financially educated and disciplined generation.
ஒரு பக்கம் பேங்காரன் சாபம் மருபக்கம் பில்டர்ஸ் இதைதாண்டி மக்களுக்காக சொல்றா றுனா ...நன்றி சார்🙏
அருமையான யோசனை கூட்டு குடும்பம். கடன் உள்ளவர்கள்/ இல்லாத அனைவரும் பின்பற்றி பயன் பெறலாம். அனைவருக்கும் moral support வயதில்/ வயது ஆனாலும் தேவை.
I closed my 25 years of home loan in 5 years by using the same method what was explained by Anand Sir :-)
How much u got loan
I also followed the same method i have borrowed 23 laks 50 k for 20 yrs... I have completed my loan within 6 yrs...
Great feat
Appreciate your great intention sir,
தங்களின் பணி சிறக்க வாழ்த்துக்கள் 🎉🎉🎉
Anand sir and keshav combo always top notch...❤
Great Human being.... Knowledge and wisdom flows from his mouth.. He must be given the status of financial advisor to Indian Government...
நீங்கள் குடுக் கும் அட்வைஸ் மிகவும் பயனுள்ள தகவல் சார்,,, நன்றிகள் kesav bro gova poringa enjoy pandinga👍💪
Thank u sir வாழ்க வளமுடன் வளர்க நலமுடன்
உங்கள் அறிவுரைக்கு நன்றி என்ற ஒருவார்த்தை போதாது 👏🙏👍👌🏾.
பயனுள்ள விழிப்புணர்வு காணொளி, நன்றி ஆனந்த சார் மற்றும் குழு
This awareness is good. i would recommend the team to demo in excel by adding 10percent and 1 or 2 Extra EMI So that the number of years getting reduced, so that the viewers can experience that by seeing and they will never forget.
Search online for amortization calculator or schedule
Fincalc youtube channel has these calculations boss
Search for amortization calculator.
This is a really very important video.
உங்கள் பதிவுகள் அனைத்தும் தொடர்ந்து பார்த்துக் கொண்டு இருக்கேன். அருமை. பங்குகள் வாங்க ஆரம்பித்துவிட்டேன்.உங்கள் ஆலோசனைப்படி
My dad and mom first savings after 30 yrs built home it's true fact no loan they are all genius hats off to my parents
Always pay more than the EMI amount in advance to get the burden reduced
You are a legend sir..... helping us by clear explanations ❤🔥
Ayya you should live 100 years .. amazing human being
Very Clear Explanation Sir👏Thank you for your suggestions 👌👏
Thanks a lot for your valuable guidelines sir
நன்றி சார்🙏👍
நன்றி அருமையான அறிவார்ந்த பேச்சு கடன்கள் வாங்க வேண்டும்.
You truly giving a Great Financial Advice Sir, we are so Blessed having you.
கேசவன் கோவா போவார என்று காத்திருப்போர் சார்பாக வீடியோ வெற்றி பெற வாழ்த்துக்கள்....😂
Super❤ clear explanation sir👍🏻✅
அருமை அய்யா.
மக்களுக்காக யோசிக்கும் உங்களுக்கு வாழ்த்துக்கள் 👍🏼👌
வணக்கம் சார் தெளிவான விளக்கம் அருமை, என்னிடம் சின்ன ஒரு ஐடியா உள்ளது விருப்பப்பட்டால் சொல்லுகிறேன்
Hi Khesav , please bring this topic for discussion with Anand sir . Since we are entering new financial year , it s important to plan our tax exemption . Is there any change in price band in recent budget ? Currently 45 lakhs price band in home loan exists which qualifies for home buyers to show under tax exemption section 24b . But we can't buy new house for 45 lakhs in cities . Any good news for middle class persons who are willing to buy home via housing loan ? How can persons in 30 per tax bracket can save tax ?
Just a suggestion .when anandh sir says these types of calculation, team can include at last with a calculation video with a amount taking as 1lakh as an example.
🎉🎉Money Pechu team members should be fortunate enough to have a Father figure in Anand. And what he says about the loan, leave alone housing loan, ANY loan is 100% correct. As a retired banker, I agree with him. You keep paying atleast 10% more than your EMI. This will help you even if the interest rate increased. And what Anand says, NO Ban😢k will tell you.❤❤
Yes sir. I already know your idea. Very thankful videos. Very helpful to the society
Best suggestion 👌 Financial discipline is must.... Thanks 😊
Can you please explain about kanthu vati ( which should be paid within 100 days) and how the people are loosing their money and who is gaining money. It will help lot of middle class people and businesses….🙏🙏🙏
Without consultation, how many would give suggestions. That too genuine suggestions. Here is the man. Take a bow sir. Just for the betterment of society you spend time. It's a great service to the society. I am lucky I found you and started to follow. I escaped from home loan only because of your suggestion. Now I am realising what it would been struggling with if I have not found you.
Every suggestions you give are golden words.
Long live sir.
Thank you
His channel grows and he get money by views more than consultation
@@vijayaprabu6669 so? What your trying to convey?
இந்த வீடியோ எனக்கும் மிகவும் பயனுள்ளதாக இருந்தது
This was clearly discussed in “ almost everything “ channel with excel sheet . I saved more than 10lakh using this method
Sir இதுக்கு நல்ல வழி, முன்னமே emi கம்மியான வருசத்துக்கு எடுங்க... 20 வருசத்துக்கு பதிலாக 10 வருசத்துக்கு எடுங்க.. அதுக்கு அப்புறம் excess amount வந்தா கட்டுங்க.
Very true. I followed the same 5yrs ago. Instead of 40k I paid 1lac per month.
Did it resolved?
@@jaisuriya8055 yes.. I fix the loan I 2yrs time
@@geetakuppusamyKonjam theliva sollunga sis plzzzz Nangalum 30L loan vangirkom monthly evlo pay panrathu nallathunu sollunga sis plzzz🙏🏻🙏🏻
Thanks a lot for sharing your knowledge and being an eye opener.long live Sir with good health.
Anand thalaivaa very clear explanation for clearing EMI outstanding superb SIr
Thank you Anand sir and Kesav for this video
If I came to know 10 year ago I could have saved lot of money 🙄
Ur 100%correct sir no school or college will teach us
Continue the good work
@AnnaHovart
Thank you
sir, what you are advising you is absolutely true. I have avaialed a home loan 2010 for rs20 lakhs. like you advised i have pre paid and closed the home loan in 5 years. I appreciat your knowledge and also sharing with others.
மிகவும் பயனுள்ள தகவல்கள் மிக்க நன்றி
3 years ah follow panren ungala...my top investment your favourite ITC ❤.. last point better one
Most useful video😀
100% right sir, I took 33 lac loan on 2019 and based on the same plan now I able to close the loan in 40 months. ❤ but etha eppa erukura generation follow pannurathu rombha kastam . Because en kooda veedu vangina enoda friend epaiyum emi Katuran and new car vangi athoda emi yum Katuran. But naan ennun enoda old car than vachi otturen and closed the home loan and started the investment plan. Sir. ❤ last ah soningale sir antha point ah than naan Panna paron for my 2nd house. 😊
What about pre closer and part payment charges?
Konjam theliva sollunga bro plzzzz Nangalum home loan vangirkom 30 Lac monthly evlo kattuna nallathunu sollunga plzzz🙏🏻
அருமையான ஆலோசனை இதை நாம் கடைப்பிடிக்க❤😂❤
Best part of the video... Enanu patheengana 16:34
Great work... ❤
Interest rate in SBI Bank is 9.4 % for term loan and 9.8% for max gain, bangalore. 2 days ego we went to bank to increase our EMI and shift from max gain to term loan. You are right sir we should not take home loan.
Couple of my friends went from term to MaxGain to make use of its benefits. Surprise to see the reverse approach. I had similar to MaxGain load from HSBC and was able to close it in 7 years (47Lak)
Anand sir the best way of unifying family
தினம் தினம் புது விஷயங்கள் கொடுக்கும் Money pechu Anand sir,Keshav thanks a lot.
Buying house is NO sin. You must be ready to sacrifice certain "postponement expense "
Fixed interest la vaangalam but repo rate la vaangurathu ipo risk
Suggestion:
1. FIRST Don't go for any other loans apart from home loan
2. Pay off loan as much as possible
3. Change company for higher salary to pay off loan
4. Don't do unnecessary expenses
Both should earn to avoid this much head ache on one person
நல்ல பயனுள்ள ஆலோசனை சார் நன்றி
Thank you for your valuable inputs.
Ipove rent for 2bhk nalla area la 15k to 30k podhu. Inum 6 7 years la rent eh 50k thandirum. Atleast vidu vanguna own house nu oru peace irukume . So home loan edukulam but extra pay panni mudichirnum
If you can pay the same emi for like 15yrs then purchase the home and take loan
In the housing finance, HDFC was giving proper service for payment of EMI and proper advice for advance EMI payment etc.
HDFC or anyother bank also none of them informed in a msg also rate of interest came down....when v go to repay they vl tel us to put the remaining amount in FD
Sir your videos are very very guidable..
Hope it's helps to change my life style
Thank you for your life guidance sir.....
Advance congratulations to MP to reach 1M Subscribers soon🎉.. You are always great to talk openly to reach real fact people
sir , kindly inform about marriage trap like house trap. :-)
veedu varai uravu
veedhi varai manaivi
kaadu varai pillai
kadaisi varai yaaro...🤐
Anand Sir ! Tq so much for ur valuable, life saving advice 🙏🙏🙏
I have been following exactly the same steps to close my home loan.. thank you so much for sharing all your knowledge sir and Money Pechu team..
E
Need more content like this....❤🎉
Thank you sir. I have followed the same for my home loan. In addition another option is in state bank one home loan scheme is available called Maxiclaim. In this scheme we can park the additional money in the home loan account whenever possible. For parked amount no interest and adjust in the principle. In this advantage is in case of emergency expenses we can take parked amount. Anand sir please brief plus and minus of this scheme.
This is called overdraft facility
This is one of the fantastic loan option and many banks wont advice it. They cant make big money from this loan. I took a similar SmartHomeLoan from HSBC and closed my loan amount in 7 years. Your parked amount would earn the same interest. Some of the points AS mentioned in this video already available in this loan.
Comment la iruntha inspire aai, athuku advice kuduthathuku nandri,
Best thing is, all private banks doesn't accept 10% of annual emi,for that you mentioned it was 3months of emi for repayment,
Many of UA-cam channel addressing this content and also chart it for understanding, but all missed this one point, you can't pay repayment by your own plan,
while signing in document they won't tell you until asked in bank, i asked it in hdfc and also mentioned about one person somewhere in TN he was ready full repayment , but bank won't accept it, they said full repayment they won't accept, but they accept above 3month of emi.
So Heart❤full Thank you sir...for mentioning 3month emi - point
🙏🙏🙏🙏
Vidu illamal viddu kadan pantri video paaka vanthavargal sarbaga video vetri pera valthugal🎉
Kesavan better you don't go GOA. Save that money and help your brother :D😆
Veedu is a word
Oodu is an emotion ❤
I really enjoy this Show And Keshav Anandh Sir Combo 🤩Most Fav One
Ultimate answer for home; delayed gratification
30 years before a good salary was 4k per month. House/flat of 1000 sqft in prime areas used to cost 60k-1.2Lakh. EMI would be Rs. 700-1000 per month. Assuming the term agreed was 30 years and due to adverse interest rate, term increased to 50 years. Will an emi of Rs. 1000 per month even matter in 2023. And with current salary the whole loan can be paid off in one month salary itself. There is no need to live frugal and pay off the loan. Salary is always increasing and emi is fixed. Only increase monthly payment when you have too much money savings account. Otherwise the excess money is better to be invested in index funds as over a period of 10 years it will always give better returns than paying off the loan. Living frugal and not enjoying life is not worth it.
Absolutely Correct ..After 30 years the rent would be equal/greater than emi amount we started to pay today ..
@@saravanankumar1450 Our population is increasing and more people are going from poor to middle class. Apart from natural disasters, house prices will be multi fold in next 30 years. Emi though will be constant
Sir, oru doubt. Last ta 5-6 years money save panni vaange sonnaru. But 5-6 year’s inflation rate calculate pannuna, money value innum erangidum sir.
அருமை... தெள்ள தெளிவு...
நன்றி சார் சிறந்த யோசனை சொன்னீங்க.
@Kehsav, on behalf of me ask Anand sir one question . As per of Anand sir advice, if everyone started saving and investing in stocks by avoiding unwanted expenses, then how compannies will grow for example if avoid excess house buying construction & construction companies profit will come down then demand for that.stock will fall, similarly for automobiles & bank profit will fall down due to lesser loans like that. We can quote many. In this condition, how economy will behave & stock markets will move?
He is strongly insisting middle-class ppl change their life to the upper middle class so obviously the change won't happen immediately (actual fact), but purchasing power of ppl already have enough purchasing power, so they are definitely not going to stop, so things are easy. And, try to generate more than one income, don't rely on a single income.
Not everyone will follow this
Hi sir,
Instead of going with home loan with floating interest can we go for personal loan with fixed interest rate so that we can avoid increasing emi and month in future?
Never go for personal loan as interest rate will be very high
Most banks are considering to reduce or avoid the fixed IR as so to increase profits that they lost with ADANI or other reasons
Home loan u can show atleast 2L exemption for tax filing ..personal loan with high rate of interest y to opt
This video like some demand for people's want watch...look good vibes 💜
Very very useful content thank u sir😊
Hii sir.
Index fund is useful for low brainer as well as great growth in terms of long term.
There is several direct funds offer index funds. How to select good fund house, what is the procedure for registration and how to invest money on it ?
Please make a clear vdo sir. There is lot of vdo in UA-cam but no one can't convey whole thing.
Please make a vdo sir. It will be useful for us.
@@ashwinravikumar3789
Ok sir. Thanks.
Does groww, zerodha provide direct fund?
@@vickysmart75 yes they do.But I prefer buying directly from fund house websites.
I agree with @sivag2032 . Instead of using unsecure apps I would directly go to the fund house website and invest directly in "direct" option.
If I bring my father in law and mother in-law to my home for the purpose of reducing my emi headache, we i may get chest pain. How is it.
You can get your parents to your home instead?
😂
Modern family 😅
Avupavi emi ya
@@funonlynomania en solla matta ? Una mari aamblaingluku entha problem restrictions illa. Apo pesuva
He is always my Manasiga guru.vera level thalaiva❤❤❤
I followed ur points... I bought 5 savaran in one year.. thank you sir