हेलो सर। अभी मेरा HDFC का होम लोन चल रहा है अराउंड 20 लाख 80 हजार के आस पास पेमेंट बाकी है और मेरा EMI फ्लोटिंग है अभी मैं पूरा पेमेंट करने जाऊंगा तो चार्जेस जीरो लगेंगे ना?? प्लीज रिप्लाई करे..😊
Bajaj se OD liya hai 38L ka, utilised amount hai 4 L. Foreclouser krne ke liye 4.72 % of 38L yani 1.81 Lack charges maang rahe hain. Kya kare. Any suggestion.
Mere pass 5 lakh ka loan hai ab mai use aur loan liye hue 4 mahine ho gaye hai agar mai use pura repay karke dusra 2 lakh ka loan leta hoon jo ki muze floating interest rate pe lena hai ,to kya mai prepayment charges save kar sakta hoon kya
My loan provider Tata capital charges foreclosure charges on LAP on floating rate of interest. And they are applied a prepayment charges and foreclosure charges and also foreclosure letter + List of documents charges. How I take action? #tatacapital
Hey! I am going to take a New car loan from pnb and their floating interest rate is 8.7% and fixed is 8.2%, I dont why in pnb fixed int is cheaper then floating also I am going to prepay my loan in 2-3 year but it am taking it for 5yrs due to less burden in monthly EMI and as I know there is prepayment charge in fixed int loan amount but pnb is mentioning this -Fixed rate: @2% on the outstanding pre-paid. However, no prepayment charges to be levied :-Where the loans are prepaid by the borrowers from their own sources. Please help me in this .
I have a two wheeler loan in HDFC and I want to foreclose it.. How to close it without paying pre closure charges? They are asking 5.80% interest for closing
Hi sir, maine private bank se 5.09lac personal loan liya hai.60month ka emi period me 9lac ja raha hai.maine total 24 emi clear kiye hai abb tak 4lac near bhar chuka hu.mai ye loan close karna chata hu to mai abb kitna bharna padega sir plz reply 🙏🙏🙏🙏
Sir mene loan liya hua he pnb se parsonal loan 36 month emi ke liye. Mene abhi 1 hi emi deposit Kari he and ab mujhe loan closed karana he to b bhi mujhe saara intrest 36 mont ka lagega ya 1 month ka
Sir maine apna loan close krne ke liye bola to bank walo ne kaha hai ki rbi ki aisee koi guideline nahi hai ...agr h to app hame mail kr dijiye.....esa khna hai unka.... Please sir reply to me 🙏🏻🙏🏻🙏🏻🙏🏻 Mujhe kya Krna chaiye is condition me .??
I have loan in Mahindra Finance.The Mahindra finance application showing Now the loan in my name is closed. I has no loan with Mahindra Finance. I applied For NOC.They do not issue NOC. The branch staff saying amount pending. I think the staff try to cheating me. what to do how to get my NOC
I had personal loan on flotting rate of interest today i went there and they said that you need to pay 5% for closed the loan amount.I said that i do not need to pay prepayment charges but they said that these rules is only available only for Home loan not for personal loan is these true..?
@@shaileshsonewane4453 aap unke RBI ki policy ke barein mein btao aur bolo ki hum complaint kr denge .. www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=11646
@@directionagarwal1060 it means u cannot take benefit in case fixed rate of interest ... in your case, u need to pay fixed interest charges with pre-payment amount
M agar 405000 ka loan lia huun for 5 years jiska interest leke hota hai 5.5lkahs tuk ... To m agar 1 sal bad mera personal loan close karna chahu to tavi outstanding amount kya rahega jiske upar penalty parega ... (405000-principal amount payed for 1 year) or (5.5lakhs - principal amount payed for 1 year ) ??? Can someone clarify this
Mene personal laon liya tha sbi se 6 lakh or mene 1 din bat hi gura diya paisa or 2 mahina bat mera prepayment penalty katliya 21000 thousand yeh kya sahi hai katna plz reply
Sir hdb fainess se ek mobile liya or timely payment kiye but fir bhi ceck bounce ka 472 payment le rhe hai kyo ki date 2 may ki thi or payment 29 April ko kr diya unka kahna hai ki payment 25 ke pahle karna tha to ye charge nahi lagta
Ji kiya hai auto debit 2th every month hai or advance every month 25th ka but 29th ko bhi payment kiya sir fir bhi ye galat hai jo extra charge wo le rhe hai
Sir humne 2005 me icici bank se 6Lakh ka home loan 20 year ka liya tha aj sade athra sal ho gaye hai bhir bhi hamara loan 5 lakh dikha rahe hai kya hame utna paisa bharna padega kya...
Sir my mother took a personal loan now remaining outstanding amount is 75 rupees.When i go to bank for loan account closure do i need to pay only 75 rupees only or any other amount.I am confused becoz i yono app Remaining Duration is shown as 18.
@@rocky1052 check if u have received any email or message and if not then call to customer care first then confirm everything and then wait for 7-10 days for Bank NOC document.. watch this
Matlab jab RBI interest rate badhati hai ya kam karati hai to apka interest rate bhi badhega ya kam hoga... Agar fix rate of interest hoga to wo change nhi hoga
Seperate Video is coming on Floating and Fixed rates so be with us...
i also have taken home loan on floating interest rate 3 month back, so will I have to pay any charges on prepayment ??
Mera fixed hai car ka 12 emi ja chuki hai ici bank se wo log 3.5 % closing charge le rahe hai kya kare?
हेलो सर।
अभी मेरा HDFC का होम लोन चल रहा है अराउंड 20 लाख 80 हजार के आस पास पेमेंट बाकी है और मेरा EMI फ्लोटिंग है अभी मैं पूरा पेमेंट करने जाऊंगा तो चार्जेस जीरो लगेंगे ना??
प्लीज रिप्लाई करे..😊
Guys, sharing below the link of RBI circular on prepayment charges of loan will be zero in case of floating rate of interest
Where is circular link?
Also let me know if this is valid for vehicle loan as well.
@@siddheshpatil23 No
@@siddheshpatil23 www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=11646
Sir if mein prepayment karna chahta hun to mujhe principal amount pay karna hoga ya with interest whole amt left pay karna hoga
आपके वीडियो की वजह से मेरे 70000 बच गए मैंने बैंक वालों से बोलकर हटवा दिया थैंक यू सो मच फॉर योर इनफॉरमेशन
so please like & comment on other videos also.. AND ALSO SUBSRIBE THE CHANNEL..
Why don't you file case against bank, if they asked you..
Even if they take extra money,
They can't withdraw it to their personal accounts, ryt?
Even it have to come to scrutiny in audit
bhaut bdiya sir
Thaanks Team
Bajaj se OD liya hai 38L ka, utilised amount hai 4 L.
Foreclouser krne ke liye 4.72 % of 38L yani 1.81 Lack charges maang rahe hain. Kya kare. Any suggestion.
Mere pass 5 lakh ka loan hai ab mai use aur loan liye hue 4 mahine ho gaye hai agar mai use pura repay karke dusra 2 lakh ka loan leta hoon jo ki muze floating interest rate pe lena hai ,to kya mai prepayment charges save kar sakta hoon kya
long term loans per floating rate hota jo save ho skta hai.. pls follow below video
ua-cam.com/users/shortsaCm1XwJHUzY?feature=share
Aap samjhe nahi agar me ye loan prepay karke 2 nd loan turant leta hoon to muze prepayment charges nahi lagega na
@@Startrootfintech aur jo 2nd loan me le raha hoon use floating pe lunga
@@garagemarathi4429 eisa nahi h.. apka loan agreement mein kya likha h phele wale mein?
Kya private bank par ye rule follow hoga?
yes sab par applicable h
Kese pata kare floating rate pe he ya fixed rate pe
What about commercial loan prepayment charges on floating rate of int.?
business loan are not allowed for prepayment waiver.. u can check the RBI policy.. www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=11646
Fixed interest par pre closer charges kitna lagata papl loan par
What is floating rate of interest..please describe
ua-cam.com/users/shortsaCm1XwJHUzY?feature=share
My loan provider Tata capital charges foreclosure charges on LAP on floating rate of interest. And they are applied a prepayment charges and foreclosure charges and also foreclosure letter + List of documents charges. How I take action? #tatacapital
Action is use this letter link in the comment section and secondly, tweet against company and then see the result..
www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=11646
Credit card ko emi me convert kiya aur uska b rate floating roi hota to b milta h kya zero Processing
Reducing intrest bhi kya floating hota h
Is that work on tow whiler lone ?
Sir mene loan leya tha idfc se consumer dubara loan and mujhe close krwana h but 1 month bhi nhi hua to kya mai krwa sakta hu??
aap email krdo bank ko aur loan close ke baad NOC jarur lena
Used car loan ke liye charges dene honge
Is floating rate of interest and reducing rate are same ??????
Is this applicable on floating rate of interest on non residential property like shops
YES
Loan against property pr bhi pre payment charges nhi lgta h agr floating interest rate h to
Bike loan ka foreclosure bataye
Fix rate walo k liye kuch ho sakta h kya sir.
wese koi rule ni hai lakin Fixed rate par loan lete time dhyan rahe ki aap Foreclosure charges ko negotiate krle...
Is this also applicable on vehichle loans?
What about fix ?
Kya hum loan ke first 12 month me part payment kar sakte hai kya
How can we check if our amount is deducting as in floating?
Sir,how to know that floting rate of interest or fixed rate of interest is imposed on loan??
Loan lete time puchna padega aapko
Nahi.... Loan summary mein mentioned hota hai... Jaha pe aapka intrest rate likha hai to uske just side mei. Mentioned hoga
Hey! I am going to take a New car loan from pnb and their floating interest rate is 8.7% and fixed is 8.2%, I dont why in pnb fixed int is cheaper then floating also I am going to prepay my loan in 2-3 year but it am taking it for 5yrs due to less burden in monthly EMI and as I know there is prepayment charge in fixed int loan amount but pnb is mentioning this -Fixed rate: @2% on the outstanding pre-paid. However, no prepayment charges to be levied :-Where the loans are prepaid by the borrowers from their own sources.
Please help me in this .
pls call at 9999016554
Sir gold loan pr lgta hai
I have a two wheeler loan in HDFC and I want to foreclose it.. How to close it without paying pre closure charges? They are asking 5.80% interest for closing
it can't be waived off
@@Startrootfintech I am not going to close the loan instead I will close the credit card bill in that money
@@johnyuky7499 u can't take benefit of Waiver of pre-closure charges.. it's your call to close credit card bill
Same case bhai They're asking for 6% interest
Hi sir, maine private bank se 5.09lac personal loan liya hai.60month ka emi period me 9lac ja raha hai.maine total 24 emi clear kiye hai abb tak 4lac near bhar chuka hu.mai ye loan close karna chata hu to mai abb kitna bharna padega sir plz reply 🙏🙏🙏🙏
Ye bike loan me hoga kya
Lic RBI k under aata hai kya sir?
HDFC is not waiving of my personal loan which is on floating rate . what is the next step
Is it same in BT case
not in BT
Sir mene loan liya hua he pnb se parsonal loan 36 month emi ke liye. Mene abhi 1 hi emi deposit Kari he and ab mujhe loan closed karana he to b bhi mujhe saara intrest 36 mont ka lagega ya 1 month ka
Ye kese pta chlega ki.. Hmara loan. Floating rate of interest per chal ra h... Bank wlae mere s charges magnte h. Sir plz guide m
it is mentioned in Loan agreement.. which loan type u have?
Bike loan foclose karva na he to jitne emi baki he utne hi bharne padege ya usse Kam ya koi charge bhar na padega emi ki amount pe ?
pura bharna pdega
Why all make for floating rate pre closure charges... Personal loans we will Get fixed rate of interest na
yes.. this benefit is applicable for floating rate loans only.
Loan close toh nahi par extra emi jaisa kuchh bhare toh bhi zero kar sakte hai kya ?
Is this applicable on personal loan? And also can we foreclose the loan before 1 year
not applicable
Bank tranfer m charge lgega kya home loan pr
Floating rate h
Sir maine apna loan close krne ke liye bola to bank walo ne kaha hai ki rbi ki aisee koi guideline nahi hai ...agr h to app hame mail kr dijiye.....esa khna hai unka....
Please sir reply to me 🙏🏻🙏🏻🙏🏻🙏🏻
Mujhe kya Krna chaiye is condition me .??
Kya kr sakte hai
SAR MAY NA equitasfinance ke fees ban de hay 5500 refend kasa kara sar my na monay view k proscs sa gay tha😢😢
क्या इसमें कोई time period की भी boundation होती है मतलब यदि 1 साल से पहले जमा करे तो
Sir mera PNB saraswati education loan monitoring period me floating rate of interest pe hai, foreclosure ke liye prepayment charges dena parega kia?
aap apna agreement check kro ek bar.. agar floating hai to aap zero karwa skte ho
@@Startrootfintech Thank you 💌
I have loan in Mahindra Finance.The Mahindra finance application showing
Now the loan in my name is closed. I has no loan with Mahindra Finance.
I applied For NOC.They do not issue NOC. The branch staff saying amount pending.
I think the staff try to cheating me.
what to do
how to get my NOC
complain against them by following below video
ua-cam.com/video/LGwKTikHOJs/v-deo.html
@@Startrootfintech Thank you
Kaise pata karey mere loan floting hai yah fixed
Sir loan lene k kitne minimum time baad prepayment kr skte hai. Please answer 🙏🏻👍🏻👍🏻
it depends upon type of loan and agreement between u and bank/NBFC
If bank is demanding to pay. Were do i need to lodge a complaint.
here is complete process to file a complaint against Bank to RBI... ua-cam.com/video/LGwKTikHOJs/v-deo.htmlsi=tZXBEaq-LOgt_ooS
I had personal loan on flotting rate of interest today i went there and they said that you need to pay 5% for closed the loan amount.I said that i do not need to pay prepayment charges but they said that these rules is only available only for Home loan not for personal loan is these true..?
yes it's for home loan only... but what is mentioned in your loan agreement?
Sir kiya gst bhi lagta h
kispar?
Floating rate of interest h ya nhi kese pta chlega
it is mentioned in your loan agreement..
Icici me part payment kitni bar kar sakte hai
Sir is it applicable on personal floating loan ?
NO..
Maine hdfc se business loan liya tha ab me usko pehele hi clear karna chahta but bank wale 5 % jada le rahe ,kya dena jaruri hai 5 %??
business loan par dena pdega..
@@Startrootfintech ok ,thankx
@@RitikKumar-ro8il welcome... pl like & comment on other videos to motivate us
Sir mera home loan tha our us ke upar lap tha Abhi Mai ne dusre bank se BT karaya to purane bank wale ne foreclosure charges liya hai to
@@shaileshsonewane4453 aap unke RBI ki policy ke barein mein btao aur bolo ki hum complaint kr denge .. www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=11646
Lekin kaise pata kare interest rate floting hai ya fexed
agreement mein likha hota h
Sir kisi group me pre payment pe charges manga rhe hai uska kya kare 2 din me loan wapas kar rhe hai
Sir if Car loan taken on fixed interest rate from SBi,then applicable?
NO
@@Startrootfintech Means no pre payment charges will be there?
@@directionagarwal1060 it means u cannot take benefit in case fixed rate of interest ... in your case, u need to pay fixed interest charges with pre-payment amount
Sir mera lone sansan hua pr check nhi mita ....ab bank bta rhe lone cancel ho gya hai or ab cancel charge mag rhe he or khate se bhi kist kat rhi
Hi,
What is minimum loan amount that, I am applicable to zero pre payment charges?
which loan type u have?
Paytm parsnal lone lone close kese kre pemat pending aa jata hai
Ab floating rate of charges kya hai ye v bata do
LAP loan me dene pdenge pre payment charges???
LAP apka floating rate par h?
Yes floating
nahi phr koi jarurt ni h Prepayment charges pay krne ki
Sir hamara aavas finance se hai hum usey fortheclose karwana chahte hai paise dekar to pre payment charge lagega kya?
Han करवा सकते हो लेकिन अगर फ्लोटिंग है तो आपको zero देना पड़ेगा वरना चार्ज लगेगा
@@youtubefirst-ajay Floating par Waiver milega bas..
Sir Mera bajaj finance ka prasnal lone hai sir pls reply Dena me Mera lone kese band kru
55,000 ka lone tha
Abtak 45,760 pay kiye hai
19 Emi baki hai lagbhag 40,000 pay karna hai
Sir I'm a student pls help me 😢😢
apke pay krna pdega loan.. ismein hum kya help kren btao? @@chaitanyakharat3299
M agar 405000 ka loan lia huun for 5 years jiska interest leke hota hai 5.5lkahs tuk ... To m agar 1 sal bad mera personal loan close karna chahu to tavi outstanding amount kya rahega jiske upar penalty parega ... (405000-principal amount payed for 1 year) or (5.5lakhs - principal amount payed for 1 year ) ??? Can someone clarify this
Sir car loan chal raha hai to ye loan fixed hai ya floating intrest rate pe hai ye kese pata kare ?
agreement mein sab likha
Hi, finnable app se personal loan lia h so pre payment 6% charges mang rhe h use waive off krwa skte ?
what your loan agreements says? personal loan par dena pdega
How can I give you agreement?
Could you pls help me in the calculation of outstanding amount? Like formula of it?
@@ravidya5916 u can simply check your loan agreement for prinicipal outstanding and just calculate 6% on it as prepayment charhes
@@Startrootfintech I can see current outstanding amount in my app. So current outstanding amount = principal outstanding? pls reply
Mene personal laon liya tha sbi se 6 lakh or mene 1 din bat hi gura diya paisa or 2 mahina bat mera prepayment penalty katliya 21000 thousand yeh kya sahi hai katna plz reply
Sir hdb fainess se ek mobile liya or timely payment kiye but fir bhi ceck bounce ka 472 payment le rhe hai kyo ki date 2 may ki thi or payment 29 April ko kr diya unka kahna hai ki payment 25 ke pahle karna tha to ye charge nahi lagta
apne unse phele check kiya tha ki payment kab katna h apka?
Ji kiya hai auto debit 2th every month hai or advance every month 25th ka but 29th ko bhi payment kiya sir fir bhi ye galat hai jo extra charge wo le rhe hai
Kyo ki meri sari payment advance payment hi hai date se pahle ye kaisa niyam hai
@@krishnadasakash9 aap bank se baat kro aur complain kro written mein aur phr is video ko dehko
ua-cam.com/video/LGwKTikHOJs/v-deo.html
Sir mai bhi part prepayment kr raha hu but bank prepayment per interest charge krne k liye bol rahe h
Please guide me sir
sir nbfc se loan liya hai mene jis company ka naam hai sbfc us pr bhi applicable hai on mortgage loan for business purpose please help
Follow below 👇 video link
ua-cam.com/users/shortsaCm1XwJHUzY?feature=share
Sir agar sanction letter me hi charges already mention ho to kya kare
dene pdenge... but u can use tweeter account to complaint
floating rate of interest kya hota hai, or kaise pata chalega ki hmara konse ROI pe hai
will share separate video on this shortly.. Please be with us
Sir humne 2005 me icici bank se 6Lakh ka home loan 20 year ka liya tha aj sade athra sal ho gaye hai bhir bhi hamara loan 5 lakh dikha rahe hai kya hame utna paisa bharna padega kya...
@@ramcharan615 Vahi soch raha hu ajtk..
5 lakh ka h or 3 jma kre to bhi charges dena hoga?
Mera Axis bank personal loan fix charges par hai.. precloser par 4% mang rahe hai
Bro agar 47300 principal amount may bacha hai o agle 7 mahine may katne wala hai agar preclose karunga to kitna Dena padega axis Bank ko
@@syedsohailahmed5332mera 135000 loan baki tha... preclose kiya to Axis bank ne 142470 rs preclouae ke liye liya
reducing interest rate pe hoga kya nhi sir ?
Fix rate pe personal loan h RBL bank , Hero finance or AU bank
Foreclosure charges 4-5% lag rha h.....kuch discount ho sakta h kya
possible nahi h.. kyunki ye home loan par applicable h
As per sbi guidelines, Pre payment charges are zero in Floating rate charge
yes.. please refer this link below
www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=11646
@@Startrootfintechlink please for pre closure of home loan or home loan insurance
sir agar fixed roi home loan ho to fourcloser charge lagega kya
yes
This applies on Indiabulls home loan also?
yes.home loans are on floating rates.. so it should be .. must check and do let us know
Sir ji mera home loan 39 lack ka hai or Maine 16 month pay Kiya hai ab me pura loan payment krna chahta hu to kr skta hu plz suggest
Means 16 emi pay kr Diya hai ab muje loan close krna hai
@@laluhingu3908 han aap kr skte hain bina foreclosure charges ke.. apka loan floating rate par hai na?
Sir apse ek help chaiye thi
Apka number mil skta h?
Sir mene motorcycle le thi meri bich me kist due rhe gya the or ab Mera pura payment ho gya ab sir foreclosure mang rahe h kya karu
dena pdega...
Links shared by you in comments are not clickable
Right
Bank hummein Floating rate of interest dene sein mana kar dein then ,fixed hi dein then
han to uspe pre closure charges dena pdega lakin aap loan agreement mein check kro aur ho ske to negotiate krlo
Sir Iam taken loan from axis bank credit card loan 65000 but taken extra 3 emi
Sir my mother took a personal loan now remaining outstanding amount is 75 rupees.When i go to bank for loan account closure do i need to pay only 75 rupees only or any other amount.I am confused becoz i yono app Remaining Duration is shown as 18.
yes u have to pay 75 with any remaining interest as per bank agreement
@@Startrootfintech
Thank You 😍
@@rocky1052 welcome... pls like & comment on other videos and do subscribe the channel
@@Startrootfintech
I closed my SBI loan account through net banking.
Do I need to go Bank for anything?
@@rocky1052 check if u have received any email or message and if not then call to customer care first then confirm everything and then wait for 7-10 days for Bank NOC document.. watch this
Bhai sbi personal loan hai, 1.6 year ne close kr rha rha .. 22000 rs mang rhe hai
loan agreement mein likha h?
Goood bro
thanks.. pls share the video with your family n friends on whatsapp
@@Startrootfintechwill do but As requested by @Shivraj u will have to translate in Tamil or English
We don't know Hindi Brother
@@pandi3111 noted bro..
@@pandi3111 sure.. noted
Floating rate of interest kya hota h plz tell me
Matlab jab RBI interest rate badhati hai ya kam karati hai to apka interest rate bhi badhega ya kam hoga... Agar fix rate of interest hoga to wo change nhi hoga
ua-cam.com/users/shortsaCm1XwJHUzY?feature=share
Sir mortgage business type loan pr bhi 5% foreclosure waiver le skte h kya...... Mene loan own fund se clear kiya h 2 lac charge kiya mujhse
apke loan agreement mein mention tha foreclosure ka? aur wese business loan par benefit ni milega waiver ka
Is this applicable in case of bike/car loan??
car loans on Fixed rate
@@Startrootfintech kya personal loan par ye laagu hota hai kya
@@birendrakumarchourasiya2307 NO... mene below video mein smjhaya h.. floating and fixed rates cases..
instagram.com/reel/Ckhwzb1g4HS/?igshid=YmMyMTA2M2Y=
Pursenel loan foreclosure charges laggaya hai
wo to lgega agar agreement mein likha h to
If there is no charge applicable then how bank can ask charges ? Anybody faced it..if yes they should file a case against bank
I am having floating rate…. Bank is asking for simple interest on prepayment amount …. Is this valid?
Tarik ji.. what type of loan u have ?
Dear Deepak, I am having a home loan
@@tarikhusain u can try to waive it off..
means talk to banker for not paying prepayment charges
Where is the document
www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=11646