SIP in Mutual Funds for Zero Interest Home Loan
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- Опубліковано 12 кві 2023
- SIP in Mutual Funds for Zero Interest Home Loan
Investing in Equity Funds through SIP is one of the best ways of building wealth in the long run. However, SIP in Equity Funds can also help you get a home loan interest-free. If you take a home loan you will incur a huge interest payment across its tenure. You may not feel this amount flowing out of your bank account as you may be able to easily handle the monthly home loan EMIs. However, the fact remains that you are paying a lot of interest to the bank on your home loan. You could start an SIP in Equity Funds with just 0.1% of the Home Loan Amount at the same time you avail the home loan. You will get a sizable corpus from your Equity Funds at the end of the Home Loan Tenure which will be higher than the total home loan interest payments. This helps you get the home loan at zero interest.
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Disclaimer: These are not any recommendations for any funds or stocks and are meant only for educational purposes.
1. 15% return on average is not guaranteed considering current market.
2. LTCG tax 10 percent
3. Mutual fund expenses ratio
4. Emi + SIP ka monthly load
5. If possession is in future then EMI + SIP + current house rental
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Actual content starts at 6.:23min. Skip video and start watching it from this
Madam, Your explanations are very good....but request you to share deep knowledge.....as now a days every one is advising only....not by genuine heart.... As everyone says....ye stock Lelo..... MFs Sahi hai....LIC me invest karo....invest in ULIP .etc...But no body tells dark side of them.... As a innocent investors loss hard earned money....with very less returns in hands...hence please share good genuine advise for betterment of Average family earner....and for safe investment....Thank You....
Do the following. 1)term insurance only 2)emergency fund for 1 year. 3)ppf for fixed income 4)simple index fund for long term goals above 5 years minimum. That’s all.
When we pay EMI we pay at higher purchasing power. When we get we get at lower purchasing power. Basically approx 3x lower than the interest paid.
Return on sip is taxable. Please explain how to save from tax. U can get income tax rebate over interest paid.
While this is a quality content I feel not hinting towards LTCG #taxes on the corpus generated over 20 years reducing the 1 cr is sort of misleading. I hope we atleast indicate that final corpus is subject to taxes so people are aware this is not entirely tax free. Thanks for the content!
Right
How to choose right equity mutual fund, please make video on that topic also?
I think we should focus on cutting down of tenure period rather than income generation.
Cause 20 years of stress can take your happiness...and it doesn't make sense earning in the age of where we are dying.
happiness and stress free life is more important than gaining income or wealth.
Mam how in the world we will be in a position to go for sip after all the emi's
Assuming investment tenure of more than 12 to 15 years and having multiple goals like buying home, children education etc.
Is it good have seperate mutual funds for each specific goal or 2 - 3 mutual fund for all the goals.
same question my side
No it's not good investing variety of mutual funds because all mutual funds maximum companies are same which comes under Nifty index so if you investing different mutual funds your just paying expense ratio for your investment at the end your expenses ratio will eat your wealth so better to choose any one Index fund and start your investment Index fund given 14 to 16% ROI based on past history
You had explained nicely. Does the SIP in equity does not affect your income from SIP due to market rate risks associated with equity
Not feasible to get 15% cagr
What about Tax relaxation for 20 years on homeloan. Please elaborate taking into account of this factor too.
Please make a calculation showing what happens if the sip amount is paid to Repay the principal amount in addition to the emi
Great video and explanation. But when I get back the SIP corpus, a high amount will be deducted in taxes, right? How do I take that into consideration while investing in SIP?
You will be paying 10 percent longterm capital gain tax.
15 percent return???
What's about income tax on SIP corpus
Very informative video Dear Mam. Thanks so much
In the world of uncertainty , how we can expect that we will get 15% as expected return. Could you pls guide.
No one can ever guide upon this
And how we manage the SIP instalment after EMI ?
If one can pay 63k as EMI then he can easily pay 7k for SIP.
Income BDA ke
Super mam
This calculation does not work for a shorter period like 5 years
Sip market ke risk par hota hai. Ye kam bhi ho sakta hai agar ek service man ke pass itna hi paisa hota to ushi loan ko kiyu na pay kare jo 9 percentage ka rate lagta hai. Aur compund interest me hota hai.
You assumed 15% return from MF. Which is very high.
Thanks, Mam......
This way u will only keep recovering interest , you will never be able to repay the loan or spend anything for yourself as you are only making sip investments to over come bank interests..that means
Retirement fund =0
Quality life=0
Very nice dear for your kind information
Thanks ma'am. I have a 4 sip in grow app.
Toh home loan lere h toh uska interest nhi Dena hoga kya?
Good
Hi sis I already brought a house loan so what should I do now😢
Agar 10,000 ka sip ho to Home loan ke liye kya kare kaise milega home loan minimum 20 lakh needed
Etana return hai to 50k ki sip karlo 5 sal me 80 lakh milege 😂😂😂..
property value bi badegi n vo calculat nahi kya 😮
7 thousand me 7 muchal fund karege to for 1000in to 7
You have not calculated tax levied by BJP i.e. 10% on return on stocks
mere hisab se agar aapki age 25 ke asps h to apni salry me se 15000 rs 15 sal ke liye 15 intrest tak ruk jaye fir 1 crore toyal honge jisme se 70 lakh ka makan banwaye or baki 30 lumpsum me dal de isse only 15 sal ke struggle se aane wale 50 sal aram se moj karenge marte dum tak wo 30 lakh next 9 sal me firse 1 crore ho jayenge to ye chain chalti rahegi isliye only life k 15 sal dedo
SIP Bina loan ke bhi kar sakte hain kya
Ma'am Groww app does not work in Saudi arbia
Hello,
We wish to inform you that you will not be able to trade from other country.
Thank you!
Yeh to intrest bhi dena hi pdega n.intrest to free kese hua.
Alg se sip kro. home loan + intrest ka + sip kro.
Please make long videos related to Index fund return.
Munna Kumar Giri
Incom tax @ 40% cut hoke 60 lakhs rahenge. 16 lakh katke 44 lakhs rahegi.
6:23
Madam iska kya guarantee hai jo ki father hai 15% milega ko
Content of 2 min ..... 8 min repeating the same point 🤦
Not a practical explanation.
Koi mutual fund apko 15% nhi dega 20 Saal m.
Max 11-12%
That's it.
One dislike for not talking to the point form the start
How to SIP IN STOCK
Groww app se
Hello Anuj,
You can reach to our support team on +91- 9108800604.
Read more on the same here: groww.in/blog/groww-helpline-number/
Thanks
Mf SB me saturation AA gya hai,overall return 9percent hai bss
61000 emi de k aur 7000 ka sip kar sakte hai kya
If you want to return your intrast pay over home loan then you have to book SIP but in right fund
15% return? lol
kahan sa laengey 7000 ??
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Start at 4:59 and thank me later
Meaningless video. Lack of content?
Aise bakwas content ke liye sidha block kariye
0.1% of 70 lakhs is 70000₹ (lol) 😂
Didi apna calculator fix karwalo
15% ka milega ???😂😮😮😅😊
Don't fool people considering MF's annual returns as 15% ... nobody guarantees 15% returns. On any equity MF. We can understand u want to sell mutual funds 🤔🤫🤫🤐🤨🤥😏
Easily earn 15% or more if you have knowledge about MFs and investing strategy and also hold patiently for long term..
Simple and Easy return you will earn..
First' viewer👍
Fir inaam lelo
This is the most stupid suggestion I ever came across. Home loan ka interest recover karne ke liye kahi aur paise do ye kaha ka logic hua ? Interest kaise recover hua ? Wo to waise bhi bank ko gaya hi. Home loan ka rate of interest over period of 15 to 20 years same nahi rahega. Konsa mutual fund 15% return deta hai ? aur wo kaise choose kare ? kon batayga ? Mutual fund fees and taxes deduction ke baad effective return kitna hoga ? Don't presume mutual funds as some sort of money recovery plan, it is an investment option. Aaj kal har kisi ko UA-cam pe aa ke financial advisor banna hai. Har so called UA-cam financial advisor ke videos me same content, kisi ke pass pehle kisi ke pass baadme. Research for these things on your own.
Bhaut accha hai pehle internet ke liye paisa do phir sip ke liye aur hawa pee ke jiyo