Home Loan Prepayment - A Calculated Approach (Hindi)
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- Опубліковано 1 лип 2024
- Home Loan Prepayment vs Investment, which one to choose? Let's understand advantages & limitations with calculation and then decide whether you should prepay home loan or not. Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/
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We will first understand the home loan benefits and then understand the cost-benefit analysis of a home loan prepayment vs investment in an alternative product.
Related Videos:
Top 3 Home Loan Benefits: • Top 3 Home Loan Benefi...
Time Stamps
00:00 Introduction
01:18 Benefits of Home Loan
03:28 Should I Prepay?
07:22 How to Prepay?
होम लोन प्रीपेमेंट बनाम इन्वेस्टमेंट, इनमे से किसे चुनना चाहिए? चलिए समझते हैं होम लोन प्रीपेमेंट के अडवेंटजेस और लिमिटेशंस क्या हैं कैलकुलेशन के साथ और फिर आप डिसाइड कर सकते हैं की आपको होम लोन प्रीपे करना चाहिए या नहीं। सबसे पहले हम होम लोन के बेनिफिट्स समझेंगे और फिर home लोन prepayment vs investment के cost-benefit analysis को समझेंगे।
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In this video, we have explained:
Which one is a better choice between home loan prepayment and investment?
What are the benefits of home loan?
Why should you understand the benefits of home loan before home loan prepayment?
What are the effects of the benefits of home loan on home loan prepayment?
Why should you claim you tax benefits of home loan instead of prepaying home loan?
Why should you avoid home loan prepayment?
Home loan prepayment vs investment, which one is better?
Why should you consider prepaying other loans first and leave the home loan prepayment for last?
होम लोन प्रीपेमेंट और निवेश के बीच कौन-सा बेहतर विकल्प है?
होम लोन के क्या लाभ हैं?
होम लोन प्रीपेमेंट से पहले आपको होम लोन के बेनिफिट्स को क्यों समझना चाहिए?
होम लोन के लाभों का होम लोन प्रीपेमेंट पर क्या प्रभाव पड़ता है?
होम लोन प्रीपेमेंट के बजाय आपको होम लोन के टैक्स बेनिफिट्स क्यों क्लेम करने चाहिए?
आपको होम लोन प्रीपेमेंट से क्यों बचाना चाहिए?
Home Loan Prepayment vs Investment, इनमे से कौन बेहतर होता है?
पहले आपको दूसरे लोन्स का प्रीपेमेंट करने पर विचार करना चाहिए और आखिर में होम लोन प्रीपेमेंट करना चाहिए, ऐसा क्यों?
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Hope you liked this video in Hindi on “Home Loan Prepayment". - Навчання та стиль
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Aapke jaisa koi nahi samjhata aur Thank you to be UA-cam its really so helpful for us.
Because of ur videos people are getting awareness of investment, which were lacking from past.
Thanks a lot.
Thankyou very much sir. This was what I was always wondering. This will help people like me to plan our funds well.
Nicely explained.....Best thing about your video is you come directly to the point without wasting time.
Be debt free is always the best option. My priority is always to prepay
You are really great.
It's now a whole week I was watching only yours video🙏
Love you sir
Loved your Video Sirji.
Tax component explanation was undoubtedly unlocking the mind block.
many points cleared by viewing this video, thanks a lot
Good to hear that
Thanks for sharing this video. It answered all my questions and doubts. Thank you!
Thank you for such a good suggestion.
i m a regular follower of yours ,,,,i definitely watch your financial related videos full of genuine,unbiased information.....great job keep on doing...
Thank you so much bro you are doing a awesome job.your vedios are really helpful and informative.
Very informative video which can be used to take a call
It was really knowledgeable sir thank you
Thanks! It was very informative
very good video for common man, I think all the points are covered.
Nice..mera home loan later stage mai chal raha hai ..mai bhi soch raha thaa ..prepay ka abb fayda nahi hoga ..aapne wahi baat kahi ..abb mujhe faisla lena asaan hua ..dhanyawad bhai
Thanks sir, i was searching this information.
Explained in a very simple manner...
Thanks for this video....
Please also suggest where to invest to get better returnd
What a video...mind blowing ....i was searching for answer for last 3 years...thanks for video
I hope this will be helpful Vinod :)
आप हर चीज बारीकी से समझाते हो इसके लिए धन्यवाद सर
Sir please tell us the best way to preclose home meas should we less our tenure or lower our per month emi's? Which one is the best in both of these?
Waisey sir Main 40 Lack Ka Home Loan Laney Wala Hu Is Liye Aap K Sare Video Dekh raha Hu Thank You Sir Ab Tak Aap Se Bhout Kuch Sikha hu Mujhey Bhi aap Jaisa Bnna hain
Thank you Mukim for the support. You can definitely become whatever you wish for.
Contct at 9971894691 for loan
If you are taking Home Loan. Also start investing in Mutual Fund SIP for the same period of your Home Loan Tanuer. This way you will also earn money while paying your Homeloan EMI
Sir mene 20 lac ka home loan liya hai. But mujhe market me invest krne ki knowlede nhi hai to kaise karu ki muje mutual funds se profit ho.or me jadi se jaldi loan katam kar saku.
Hello Mukul Sir,
Thanks for making this detailed informative video. Please do work on audio quality. I learnt a lot. I love your content. God bless you.
Thank you for appreciation. Bhanu. You can watch our latest video. We have updated the tools & instruments.
I think ive watched the best video on this topic Thank you sir!!!
Thanks for appreciation 😊
Prepay by family Members?
(son & Daughter)
Hi Mukul..could you please release a concise excel calculator which can compare the following - at what time one save more - by preparing or by availing tax deduction at interest.. Thanks
Thanks for the information. Your next video should be cover below topics.
1) How many % your HL emi should be
2) How many % to invest
3) Give examples considering salary slabs 0-5L' 5-10 etc
4) Calculate the tax for current year I mean updated tax slabs
5) How to invest in MF
Watch this video: ua-cam.com/video/C49nSjzg1iw/v-deo.html
During buying a home which are the documents we must obtain / observe from any seller?? What care should be taken regarding documents??
Really you have sound knowledge of finance and way of teaching is really good.
Very good subject and video.
Sir I wud like thx from entire my frnds team who are big fan of u
Hello sir
Pls let me know,is ulip policy good to link with home loan for better corpus
It’s always beneficial to payoff mortgage it gives financial independence
Excellent practical example ❤❤
Thanx।।।। Main bhi home loan prepay karna chah chah raha tha।।। Lekin mujhe car loan bhi Lena hai
Isliye main pehle car lunga।।।।
Thanx a lot।।।।
Thanks a lot for creating such videos. I have got major chunk of information about my home loan from you videos.
What I am trying to understand is the last point of your video. i know the interest in more in initial stages of loan and Principal amount is higher in the later stages but unable to connect this fact that we should prepay the loan in earlier stages because whatever the break up is , we are still paying the same EMI. Please explain it Sir
Thank you Sir,You are a man of Great knowledge
Keep learning 😊
Thanks for the video.
Can we do pre payment before receiving PMAY amount?
If i do then is there any impact on PMAY amount ?
Please suggest. TIA
Eye opener for me!! Thank you man
Keep supporting :)
बहुत अच्छी वीडियो।
Sir, Reducing Emi vs Fixed Emi पर वीडियो बना दीजिये? और ये होता क्या है?
🙏धन्यवाद
Your explanations is very clear.
Thanks 😊
Good video
Better than other channel with similar topic for video
Thank you for support.
Very well explained sir. Thanks a lot 👍
Most welcome
Nicely explained. Can you please make a video on Pre-payment or part payment of lump sum amount of Personal Loans and if there are any preclosure charges levied by the banks?
Thank you.
Hi Does paying additional cost along with monthly emi have more benefit than paying lumpsum every year into the loan account?
Thnx for the info sir..can u make video on what is the right time to invest in mutual fund and in sip?
Any time for 10 years of time period
Thanks
Excellent ❤❤❤
practical example❤❤❤nice explanation ❤❤❤
thanks brother
Nice explanation...
Thank you 😊
Invested Sbi Gold etf. Is it ok or quit at this time
Good explanation
Plz suggest initial stage and later stage period of home loan
Sir ur this video is very nicely balanced information video... Gives clear algorithm to solve the question.
N
My question if some have no much more money in his pocket..... But still want to earn money..... By rotating money of some one else..... And without doing much physical work can we generate money?
very practical advice
excellent sir
Nicely explained. Thank you sir🙏
You're most welcome
Excellent video, can you please guide about what to do when we have multiple home loans?Should we pre pay?
Bahut hi behtareen video banayi aapne sir. 🙏
Keep supporting Yogendra :)
Boht ache se samjhaya sir boht boht sukriya
Thank you 😊
Hi. Lets say a home loan is to be foreclosed in early timeframe. So now, do i have to pay what i was supposed to pay over the original calculation at the time of taking loan or the foreclosure amount gets reduced? If it gets reduced, what is the calculation method with respect to time? Thanks
Hello Sir,
Thank you for the great information!
I have a question can I prepay my personal load or If I prepay my personal loan it can effect my credit score?
You can definitely Pre-Pay your loan. It will not have any bad impact. But in a way it is good that you are not defaulting on your loan.
@Asset Yogi Thank you sir
Perfect one..thankd for sharung
Hope it helps Satish.
Amazing 🙌 Thank You
Keep learning :)
thanks for guiding
What can be initial stage in terms of years and later stage for prepayment of home loan?
thanks for explain in easy way
Keep learning
much needed information.. thanks a lot
Hope it's helpful Sudheep
Which property is good as an investment ready to move or under-construction?? Thanks in advance
Great knowledge very simply conveyed
THANK YOU.
Sir, Please make a video on normal home loan vs home loan with overdraft like SBI max gain.
Very nice information sir.
I have home loan and also add on ( home loan)
The latest loan I can prepay , bankers are not interested to provide genuine information
try approaching another bank for takeover of the loan, your bank will automatically start giving u attention
I am a big fan of your videos. I like your approaches.
Thanks Anirban :)
Thanks so much!!!
Can I claim tax benefit on my two home loans taken for two homes? Or can claim on only one of it.
My first comment on UA-cam... Awesome info.. Very nice
Thanks for appreciation Nik :)
It's very nice and helpful 😊
Keep supporting Vaibhav :)
should i prepay the amount SIP amount for Homeloan at initial months(till I am paying more portion of EMI into interest) or should I invest in SIP from the start when my homeloan starts? Which one is better? I think preoaying the homelaon at intial months and the at later months I can start the SIP. Please assist
Sir muft me itni achhi jankari dete thnx a lot ☺🙏
pentles denting & denting penting .iss e practical advice kehte he
Knowledge mil gayi boss
Very well explained
Thank you 😊
Thank for this video, I HV hdfc home loan ,how many times can pre payment done against this loan, bcoz I want to prepay 1 lac per year, plz suggest
Sir GIC Finance Home load se loan lena sahi rahega ya nahi or iska interest rate kya rehta he?
@Asset Yogi As per my knowledge FD doesn't get tax exemption
Dear sir
My home loan is on my name but property is on my mother name so i cannot get the tax benefit so what should i do??can you suggest better option.
Good information
Thanks
Sir should I buy digital gold from paytm as a investment
Sir, Please make a video on normal home loan & home loan with overdraft like SBI max gain.
thnx dear
Very good and informative video
Thank you 😊
Sir personal loan m prepay ya emi pahle s jyada chukane m bank koi processing fee charge krta h ki nhi, tel me
Thanks Yogi bhai very informative video
Thanks Guddu.
Nice explain sirji...,thx,,,
Thank you for appreciating Krushna
Great voice
When we have home loan with overdraft facility like sbi MAX GAIN, then complete analysis will be different.. ?
Park until you don't have any use and then use whenever you want...correct ?
I also have maxgain account. Do you prepay it?
sir ur vdos r really helpful.... plz tell me tht whn i m having home loan frm my company society on interest rate of 9.30% pr annum n tkn loan frm cpf accont fr car... which shld b finished first.. i also planning to buy some small property... plz guide
Thanks for the video. Do you think prepayment of a 6 years old home loan makes better economic sense for someone who doesn't have any other loans?
🍅🍌