How I Paid My 20 Years Home Loan in Just 5.5 Years | Full Calculation

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  • Опубліковано 21 жов 2023
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    How I Paid My 20 Years Home Loan in Just 5.5 Years | Full Calculation
    #investing #investment #mutualfunds ​#wealthguruji

КОМЕНТАРІ • 325

  • @WealthGuruji
    @WealthGuruji  21 день тому +4

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  • @prashantsah1794
    @prashantsah1794 5 місяців тому +2

    Amazing calculation & video.. Thamks for information

  • @generaltalks8433
    @generaltalks8433 6 місяців тому +1

    Sir bahut acche se btaya....god bless you keep it up

  • @rajeshsankpal6586
    @rajeshsankpal6586 7 місяців тому +5

    Excellent and informative video 🎉🎉🎉

  • @user-ik4ls7ld2r
    @user-ik4ls7ld2r 5 місяців тому +4

    Thanks for sharing very valuable information. 🙏

  • @cookwithspices6011
    @cookwithspices6011 4 місяці тому +1

    Very nice sir ..thnk you...we will definately use this things ...

  • @vickychoudhary5628
    @vickychoudhary5628 5 місяців тому +1

    Thank You for the information.

  • @piyushaccountancyclasses543
    @piyushaccountancyclasses543 5 місяців тому +1

    Great bhai, good information.

  • @Lint567
    @Lint567 4 місяці тому

    Very good information sir.thanks as nobody teaches like you even the bank

  • @richakipathshala8417
    @richakipathshala8417 5 місяців тому

    Very informative video with good solutions

  • @varunpradhan5148
    @varunpradhan5148 4 місяці тому +3

    Yes thanks this useful information sir ......... 👍 ..... but mujhe lagtaa hai aap ek baat apne example formula mai show nahi ker paa rahey plz. Sir every year rate of interest % 0.05% -0.10% increase he hotaa hai maine bhi home 🏡 loan letey time mota mota calculate kiya ta but meri calculation fail ho gayi ye sach hai ki aap year mai 1 emi extra deposit kertey hai to ye every year ke middle month mai ; ya every year mai last month; ya starting year of month mai Regular month emi ke saath extra emi amount deposit kerna sahi hoga ?

  • @bijaydubey9565
    @bijaydubey9565 6 місяців тому

    Very afermative video thanks

  • @NiteshRS
    @NiteshRS Місяць тому

    Bahut hi acchi tip batai hai aapne. Good for youngsters plan their home loans in advance.

  • @kunwarhirendrapratap7742
    @kunwarhirendrapratap7742 4 місяці тому

    Nice video and very nice explanation 🎉🎉

  • @ravikarantripathi7228
    @ravikarantripathi7228 29 днів тому

    Thanks a lot for informative video

  • @dharmeshgindra9226
    @dharmeshgindra9226 4 місяці тому

    Thank you for information

  • @DigitalChanakya
    @DigitalChanakya 9 місяців тому +1

    Bahot badhiya.. first comment

  • @anantsuryawanshi8311
    @anantsuryawanshi8311 2 місяці тому +1

    Very nice information sir

  • @raazvrma
    @raazvrma Місяць тому

    Nice and very informative video.

  • @vikashshukla5015
    @vikashshukla5015 2 місяці тому

    Thanks usefull information

  • @rohankhandare6699
    @rohankhandare6699 Місяць тому

    Good information sir 👍👍

  • @sagarmadnani6955
    @sagarmadnani6955 7 місяців тому +2

    Very Informative Source...Thanks sir💯

    • @sumant15
      @sumant15 7 місяців тому +1

      check the power of compounding my friend. this video is misleading 😄

  • @Greenarmyys
    @Greenarmyys 9 місяців тому +1

    Very good information sir,

  • @jayeshshewale1263
    @jayeshshewale1263 5 місяців тому

    Best Video I saw on home loan closing

  • @mahendrasonar5032
    @mahendrasonar5032 4 місяці тому

    Super teaching 👌

  • @mamtamajhi-uj9sg
    @mamtamajhi-uj9sg 4 місяці тому

    Thanku sir.aapane to Mera adhar prolm solve kar diya.

  • @AffectionateAntenna-uw3yg
    @AffectionateAntenna-uw3yg 6 місяців тому

    Thank you sir

  • @KKSingh-vm9dx
    @KKSingh-vm9dx 2 місяці тому

    Your good information

  • @Rohitkumar-mr7ii
    @Rohitkumar-mr7ii 6 місяців тому

    Please help me with one question. I'm kinda stuck. Getting no answers. It's about PMAY. I bought this house back in March-April 2022, at that time I didn't receive this subsidy as the loan provider informed me that it is discontinued. Now I've seen some notification that PMAY is extended. I contacted my loan provider and still they're saying that it is discontinued. Is it really discontinued? My loan provider is Tata capital Housing Finance Ltd.
    Another question, I live in Delhi NCR, and when I was scouting for a house, I actually figured that majority of the locations where I can actually afford a house doesn't really have an MCD approved Map. (kacchi colonies) and the locations where there is a legit map for the house are freaking expensive. So, even after having a great Credit score of more than 800, I couldn't get any loan from the banks ( HDFC, SBI). So, apparently I had to eye towards NBFCs which are apparently more expensive than the banks.
    Is my understanding true?
    Lower interest rates are just for people who can afford a house in a good location and can buy expensive houses. Pretty strange to me.

  • @anilkushwah264
    @anilkushwah264 6 місяців тому

    Sip same person k name se hona chahiye ya kisi aur k naam se kar sakte hai any document process for this

  • @prateekmital4936
    @prateekmital4936 7 місяців тому +1

    Bhai you rock ....

  • @aashiq6411
    @aashiq6411 4 місяці тому

    Sir Maine UA-cam pr km se km 100 videos dekha, but apka idea super duper hit h, same to same Mai aysa hi search kr rha tha, 25lakh loan Lena h mujhe bhi, please mujhe ye btayye k kya apne 25lakh loan 20saal k leye leya tha?, or 2, 2.5lakh rupees year k starting mnth me extra dalna h ya kisi bhi mnth me?, dusri baat jis mnth me bhi 2, 2.5 lakh dalna h ye ek hi mnth me completely 2, 2.5lakh dalna h ya alag alag mnth me? Please reply krye apki waja se Meri bohot help ho jayegi, 😊🙏🙏

  • @amitkumar4737
    @amitkumar4737 6 місяців тому

    Hum prepayment kare to apna intrest kam karana sahi hai ya phir time period

  • @dvishnu3774
    @dvishnu3774 7 місяців тому +1

    During the home period 1.5 year Interest rate many time increase how calculate repayment.

  • @jamespatel1202
    @jamespatel1202 24 дні тому

    Finaly sir great hats of u

  • @BhagwanSingh-se6ni
    @BhagwanSingh-se6ni 5 місяців тому

    Thanku sir

  • @sandipmohod1984
    @sandipmohod1984 7 місяців тому +2

    Mera personal loan balance hai 3 lakh 20 hajar aur mere paas abhi 4 lakh hai, maine uske shares liye hai. Kya personal loan close karu ya share ko buy sell karke profit karu, please reply

  • @Appu6619
    @Appu6619 4 місяці тому

    tnq bhai

  • @Drsk-mp8kl
    @Drsk-mp8kl Місяць тому

    sip ke sath prepayment bhi kar sakte hai kya

  • @deepvirk8772
    @deepvirk8772 Місяць тому

    Very good video bro

  • @devanandkiranpalyoutubecha705
    @devanandkiranpalyoutubecha705 4 місяці тому +2

    हाउसिंग होम लोन लिया था 15 लख रुपए का 20 साल के लिए और वह ऑनलाइन दिख रहा है 298 किस्त दिख रहा है जो भरनी है तो उसके लिए क्या करना चाहिए

  • @bhalachandraghole2238
    @bhalachandraghole2238 7 місяців тому

    बहोत अच्छा सुझाव है

  • @udayrathod5967
    @udayrathod5967 4 місяці тому

    Thanks bro

  • @sujitgiri4067
    @sujitgiri4067 3 місяці тому

    Per month or per year loan repayment ke liye kon sa faida hoga?? Pls explain sir

  • @arunkumarbehera7394
    @arunkumarbehera7394 10 днів тому

    Kya 01 extra emi per year and 1 lakh per year dono ek sath kar sakte hen ?

  • @yogeshsaini9086
    @yogeshsaini9086 4 місяці тому

    Sir mene mere loan ka tenure 10 years h or mne 3years ka pay kr diya hai toh ab yearly 1 lkh pay krna thk rahega ?

  • @RajeshSingh-uz5dh
    @RajeshSingh-uz5dh 3 місяці тому

    Great idea bro I will follow same now . Thanks for great idea to save my hard earned money in loan interest.

    • @WealthGuruji
      @WealthGuruji  3 місяці тому

      Great 👍

    • @sajjanagarwal8105
      @sajjanagarwal8105 Місяць тому

      Did you take home loan on floating rate of interest or fixed rate of interest

  • @Janhem1008
    @Janhem1008 Місяць тому

    सर , advance payment मार्च end मे करने से ही benefit मिलेगा या कभी भी कर सकते हैं ?

  • @Abhishek-dz3dp
    @Abhishek-dz3dp 4 місяці тому +1

    Thanks for this information and congratulations to you for closing your loan so fast. However, for general public it is not practical to save 10-12 times the amount of emi every year. I feel 7-10 yrs is a good time to close the loan considering income growth etc.

  • @amitghosh4296
    @amitghosh4296 6 місяців тому

    Not agreed with the part foreclosure concept. Only the principal amount gets reduced to that extent not the interest.

  • @namitsworld9458
    @namitsworld9458 5 місяців тому

    Kya prepayment karny ky baad EMI reduse nhi hoti hai kya????

  • @shakti553
    @shakti553 3 місяці тому

    Sir agr 24 lac loan h 2050 tenure h to 5 lac per pay krne pr 5 lac kisme se kam hga or nya tenure or principal kya bnega agr emi same rhw

  • @atulshulka3544
    @atulshulka3544 6 місяців тому

    kya ye SIP plan personal loan pr bhi apply hota hai

  • @prataptomar1706
    @prataptomar1706 7 місяців тому +11

    home loan ko jaldi khatm karke faayda nahin hai.. balki aap home loan repayment ke jagah par 20 saal ke liye small cap fund mein invest kar dena chaiyen jitna aapka intrest home loan par lagega uske double or triple times 20 years mein mutual fund aako de dega or sallary person ko incone tax mein bhi benefit milega

    • @kamalrathaure4768
      @kamalrathaure4768 5 місяців тому +2

      Uske liye bhi to paise bachna chahiye Sir saara Paisa to emi mein chla jata hai

    • @MohanLal-bl4pf
      @MohanLal-bl4pf 5 місяців тому

      Crrect bhaai...​@@kamalrathaure4768

    • @varunpradhan5148
      @varunpradhan5148 4 місяці тому

      But sir soon ne mai to acha lag raha hai

    • @lifehasnobackspace
      @lifehasnobackspace Місяць тому

      Sirji 20 sak k bad paise ki value bhi down ho jayegi, double ya triple milenge lekin value down hogi and 60 to 70 lac ki loan ke emi pe savings nahi ho pata nd interest bhi bahot de chuka hu 2 loan me..better to part payment and invest small amount in stocks not in mutual fund...

  • @tamtapa8380
    @tamtapa8380 5 місяців тому

    Taught us more details.

  • @manojbhaiRj06wale
    @manojbhaiRj06wale 7 місяців тому

    Flexi loan bt kar sakte hai kya au bank se

  • @neetachalwadi4894
    @neetachalwadi4894 9 місяців тому

    Mera 10years 520000 ka loan 12%ka hai to 5yerar mai kese khatm hoga Kya karana padega Pripement kitni bharni chahiye please suggest me

  • @avijitdas4595
    @avijitdas4595 6 місяців тому

    Good idea boss 👍

  • @SOULMATES190
    @SOULMATES190 6 місяців тому

    Thankyou babu ji

  • @imgauravsaini
    @imgauravsaini 4 місяці тому

    Bhai ji jo SIP wala solution btaya hai usme tax bhi to lgega

  • @arindambanerjee8508
    @arindambanerjee8508 7 днів тому

    What about LTCG tax on mutual fund investment? Currently it's 12.5%. Noone can tell if government gradually will make it 30% or not in 20 years from now.

  • @satyamanojbairwa1810
    @satyamanojbairwa1810 4 місяці тому

    Thanks for the useful information

  • @gusainvijay73
    @gusainvijay73 6 місяців тому

    Hi
    Very informative
    Agar aap mujhey 5 saal pehley mile hote toh aaj mera bhe home loan over ho jaata.
    Kis SIP main paisey lagaye
    Please tell

  • @RebelliousBahu
    @RebelliousBahu Місяць тому +1

    What about tax saving from housing loan

  • @saching24
    @saching24 9 місяців тому +1

    Thanks

  • @aanchalotwar581
    @aanchalotwar581 8 місяців тому +1

    Pre payment calculator ka link open nhi ho rha

  • @aadi5750
    @aadi5750 5 місяців тому

    sip kaun si best hai

  • @PradeepKumar-ym1li
    @PradeepKumar-ym1li 5 місяців тому

    Maine 2019 July Aavas se loan liya 5saal ho kaise karu wo to EMI badata chlaa ja rha hai 830000 kaloan hai mere ko mobile karke bhi slah de sakte hain please Kam income wala Banda hun samajh nahi aata kase karu

  • @parameswaraniyer8275
    @parameswaraniyer8275 7 місяців тому +1

    everything depend on individual personal income and family obligation & liability

  • @bengaldynamics980
    @bengaldynamics980 5 місяців тому

    Sir EMI amount same rakh k hum 1sal me 1lac kar k deta hu wo principal amount se adjust krta hu..

  • @yourowntraveller
    @yourowntraveller 5 місяців тому

    Can you please explain the taxes as well

  • @arunkumarbehera7394
    @arunkumarbehera7394 10 днів тому

    1 Lakh per year, interest amount me add hoga ya principal amount me

  • @ayanmansuri2001
    @ayanmansuri2001 6 місяців тому

    Sir
    ये सिर्फ floating loan पर ही लगता हैं na

  • @Neerajkumar-db6oz
    @Neerajkumar-db6oz 6 місяців тому

    personal loan kise jldi finish kr skte hai btana please

  • @balramk488
    @balramk488 5 місяців тому

    Mast h Bhai ji 🎉

  • @sujeetdev8440
    @sujeetdev8440 8 місяців тому +1

    Sir 9 lakh ka loan 84 maonth ka 16000 hai to kiya karna chaiye

  • @bhalachandraghole2238
    @bhalachandraghole2238 5 місяців тому

    Emi ke sath bharani hai, ke kabhi bhi bhar sakate hai

  • @sunilshimpi2504
    @sunilshimpi2504 7 місяців тому +1

    Gret sir

  • @subirkumarrudra2862
    @subirkumarrudra2862 2 місяці тому

    How can I get EMI calculator table?

  • @vineet3861
    @vineet3861 6 місяців тому

    What about capital gain tax on SIP return??? Who will pay tax on it?❓❓ 10 - 15% TAX

  • @mirzasajeedbaig2838
    @mirzasajeedbaig2838 2 місяці тому

    SIP kab tak invest karna chahiye?

  • @aashiq6411
    @aashiq6411 4 місяці тому

    Sir 25lakh k loan me every month 51896Emi dalege to bhi 5saal me 31lakh hoga, apne ayse hi keya kya? Ya apka emi every month kitna pada ye btayye please, mujhe bhi 25lakh hi loan lena h, please reply

  • @user-iv3ie3wf3v
    @user-iv3ie3wf3v 9 місяців тому +2

    Excellent ideas Sir

  • @user-lq6qo6yz7g
    @user-lq6qo6yz7g 7 місяців тому

    Hello Sir Mera home loan hai PNB bank mai ,Mera EMI kat Raha 11667 rupees per month already Maine ek sal de diye kaise Mai isko jaldi khatam kr sakte hai Mera salary abhi 28,000 hai total 760 months ka loan hai mera

  • @kavitachaudhary6866
    @kavitachaudhary6866 2 місяці тому

    क्या बैंक एडिशनल EMI की फैसिलिटी देता है?

  • @saritapatwal3503
    @saritapatwal3503 4 місяці тому

    Sir mughy bhi khtam kharna hai home loan mughy prepayment karna hai kuch amount tou bank mai jakar kya baat karni hogj

  • @SWAPANDAS-cs8hl
    @SWAPANDAS-cs8hl 7 місяців тому +1

    Aisa Bhi Hota Hain Keya ?

  • @C2023F
    @C2023F 5 місяців тому

    I have plot plus construction loan can guide for that

  • @S.Dolphin
    @S.Dolphin 4 місяці тому

    Ye karne k liye .. loan lete samay kya humme fixed roi pe lena chaiye k.. floating pe.. ? Kis me ye .. possible hai.. yearly 2 emi extra

  • @khanasif1654
    @khanasif1654 7 місяців тому

    is it applicable on fixed loan or on floating rate of interest

  • @sunnyahmed5935
    @sunnyahmed5935 7 місяців тому +1

    boss Would you mind to give a mathematical formula so that we can calculate those waive-off interest by our own home loan

  • @RohitRRR28
    @RohitRRR28 5 днів тому

    bhai 20 saal baad jo SIP se earning hui hai uspr tax kitna lagega ? Govt ko kitna dena hoga ?

  • @motivationfact2823
    @motivationfact2823 4 місяці тому

    Bahut sahi sir ji mera bhi same plan hai home loan ke upar me bhi matual fund me save kar raha hu 2 fund chal raha hai 1000-1000 or isko par annual 10% se increase karunga

    • @msdhaliwal
      @msdhaliwal 4 місяці тому

      don't forget to calculate inflation for long term SIPs

  • @suhanakhan2921
    @suhanakhan2921 8 днів тому

    Sir mene 15 lhak ka lon liya hai 12:% me to me kesey jaldi pay kar sakti hu

  • @chetanpardeshi8938
    @chetanpardeshi8938 4 місяці тому

    You didn't calculate the interest charged by bank for prepayment

  • @sudeepsengupta2906
    @sudeepsengupta2906 2 місяці тому

    Mera 16.5 saal ka home loan hai... 23,500 EMI har mahine pay karne par rahe hai. Kaise kum karein?

  • @BIprofessional80
    @BIprofessional80 10 днів тому

    Grow m sip m invest karne ka fayda kya hai usme toh sip mature hoti hai month by month. pura amount thodi mature ho rha. Joh one time invest karte h grow unke liye thik h

  • @Kiran9-fashionfoodvlog
    @Kiran9-fashionfoodvlog 6 місяців тому

    Aap ne home loan pre payment mai emi kam kiya tha ya tenure pls batayiye

  • @nupurdasraha3825
    @nupurdasraha3825 24 дні тому

    Sir I have a loan of 20 làkh for 10 year . EMI IS around 24000. How can I complete this within 3 to 4 years. For your kind information I have already pàid 2 extra EmI . April 24 se EMI katna suru hua . Please guide us

  • @anm_15
    @anm_15 7 місяців тому +2

    SBI bank does not revise the tenure even if we repay the part of home loan, it just go on deducting the EMI till the amount gets to zero.

    • @WealthGuruji
      @WealthGuruji  7 місяців тому +1

      That is good for you. In this case your tenure will be reduced and you can complete loan faster. Not suggesting to reduce emi after repay.

    • @anm_15
      @anm_15 7 місяців тому +1

      @@WealthGuruji I am saying SBI does not reduce the tenure