Home Loan Hidden Charges - Hindi
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- Опубліковано 17 кві 2018
- 15 Home Loan Hidden Charges other than interest rate charges- Explained in Hindi. Additional Charges like Home Loan Processing Fee, Transfer Charges, Prepayment or Foreclosure charges, Conversion Charges, Switching Fee, Legal Charges, Valuation Charges, Home Loan Insurance, Late Payment Charges, List of Documents, Cheque Bounce or ECS Return etc.
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You will face these charges when you take home loan from any bank - SBI, HDFC, ICICI, PNB, Axis Bank etc. or through any NBFC like DHFL, Bajaj Finance, Indiabulls etc.
होम लोन इंटरेस्ट रेट्स के अलावा भी 15 हिडन चार्जेज़ होते हैं। होम लोन प्रोसेसिंग फीस, ट्रांसफर चार्जेज़, प्रीपेमेंट या फोरक्लोज़र चार्जेज़, कन्वर्ज़न चार्जेज़, स्विचिंग फीस, लीगल चार्जेज़, वैल्यूएशन चार्जेज़, होम लोन इन्स्योरेन्स, लेट पेमेंट चार्जेज़, लिस्ट ऑफ़ डाक्यूमेंट्स, चेक बाउंस या ईसीएस रिटर्न आदि जैसे अतिरिक्त शुल्क बैंक द्वारा लिए जाते हैं।
आपको इन हिडन चार्जेज का सामना तब करना होगा जब आप किसी बैंक से होम लोन लेते हैं, जैसे - SBI, HDFC, ICICI, PNB, Axis Bank आदि। या फिर आप किसी NBFC से से होम लोन लेते हैं जैसे - DHFL, Bajaj Finance, Indiabulls आदि।
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In this video, we have explained:
What are hidden charges of a home loan?
How to negotiate or eliminate the hidden charges of home loan?
What are major home loan charges?
How to negotiate home loan processing charges?
What other charges bank apply to home loan apart from home loan interest rates?
How bank charges for home loan transfer?
When does bank take prepayment charges?
What is prepayment penalty for a home loan?
How much bank charges for property valuation?
What is home loan insurance?
How does bank charge late payment charges, EMI bounce charges, cheque bounce and ECS return charges?
What are home loan hidden charges when you take the loan from a bank?
What are home loan hidden charges when you take a home loan from NBFC?
What additional charges are applicable to home loans?
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Hope you liked this video in Hindi on “Home Loan Hidden Charges”. - Навчання та стиль
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sir aapke kmse km 5-7 video me meri watch list me rkhta hi hu.. 2-3 din me vo dekh leta hu tb tk dusre 5-7 usme add ho hi jate he....
aap ke free me gyan ke liye bahot bahot shukriya🙏🏻🙏🏻🙏🏻🙏🏻
Great video! Thanks for providing so much info in short... I think you missed IGR & Cersai charges.
Awesome video.. thanks again sir
Truely an eye opener video...superb
Thanks Mate !
Lots of knowledge as usual thanks mukul da
Sir,I have been watching most of the your posted property related videos,good and brief info.I need a suggestion as well on Built up property Charges on Purchase or Transfer as Gift..
Sir vey educated. Thanks for expanding the knowledge.
I am happy that it helped you 😊
Sir App Sub clearly Bathate Ho, Really All Videos Good experience, detha, Our Sir Shere Markets Mutual fonds, kha Bharem Bhatado, Hambi Sekthe Hayna 😎👍🏻
Dear sir, Plz make videoes on how to analysis ITR & its components to detect one's Gross income, Net income etc. How to deal with Depriciation, Agr. Income, profit & remun of partner etc. Same thing with GST etc TDS , NBFC, Foreing & Internal big investors etc.
Sir, can you please tell me when processing fee is charged ?
Before approval of loan or after approval ?
Thank you brother. Very useful n informative
Thanks Nadeem :)
Very informative
Summary
* Processing fee. 0.25 to 1% of loan amount. Negotiate for minimum processing fee
* Legal and Technical due diligence: Lump sum fee to check property documents, site inspection and valuation
* MODT charges: 0.1 to 0.2% of home loan amount
* Home loan insurance. Is not mandatory.
* Prepayment or foreclosure charges. 2-3% prepayment penalty if it is a fixed interest loan or you are transferring loan to another bank.
* Conversion charges.
* Switching fee. To move from fixed to floating interest rate loan or vice versa
* Changing loan tenure. Fixed fee 1000 rupees
Thanks again.. Mukul
Welcome 😊
Usefull information, thankyou so much 🌺🙏
Most welcome 😊
Thanks for such informative videos.
My pleasure
Thank you so much for the valuable information, Really appreciate it.
Sir please make a video on cancellation of home loan ..and how much charges we have to pay for that ?
Very informative...thank you so much :)
Thanks Kashif.
Thank u sir very use full inforemation
Keep learning
Best voice and very useful sir. NBFC and PMAY ka bhi banaye sir
Good improvement. Keep it up
Great knowledge you have keep it up 👍
Thanks Abhinav
thank you for the video sir.
Keep learning 😊
Thanks you so much. It was very helpful.
Glad it helped!
Thanks a lot sir for full detailed information, love your all content 👍🙂
Thanks Rakesh.
I like and watch your channel regular basis and till now I found it's very informative thank you for all this info.....I have one question recently I bought my new home now i wanted to know is one time property insurance is mandatory while opting new home loan.
Bhai ... Useful information especially who are looking for home loan
Thank you for appreciation Sikander 😊
Can you make a video about Refinancing home loans?
I am also from home loans department i want to add something extra here about charges
1) kisis reason se kuch issue hota hai property me to TSR ka extra kharcha ho dakta hai .
2) resale me buy karoge to draft agreement and society ke kuch transfer fees extra ho sakta hai
3) register mortgage agar bank bolta hai kisi tarah se karne ko to uska 2 percent loan amount ka extra charges pakad lo.
Good information
thanks sir
Eye opener for new loan applying individual.. like me 😝
Sir DHFL or Axis bank Home loan up to 15 lakh which is best, yeh construction plot k uper karni hai jo already buy kiya hai.
Sir, in Telangana State the MODT stamp duty is 0.5%of the loan amount. If I am not wrong , it varies from one state to another.
Very informative video , thank you so much sir ....
Most welcome
Pls tell me land owner's documents available after getting possession of flat...in land owner allocation.
Sir home loan kon se bank ya finance company se le iska comparison vedio banaiye current wala🙏🙏🙏
What is the different btn floating and fixed interest rate,kindly guide us....
Very helpful...
Glad to hear that 😊
Very useful sir
Thank u
Hope it helps.
All video ultimate and very easy for everyone
Thanks Sahaj.
Which bank is best for home loan?
Valuer kase valuation krte hai plot ya house ke...kis basis pe
Different types of home loans - especially overdraft, etc
Thank you for such good video
It's my pleasure
Sir kya home loan ka pre payment karne par emi kam hoti h?
yaa time kam hota h?
Yaa customer ki marji par depend hota h?
Valuable information
Thanks
Please make a video on prepayemt.
In detail...
Thankyou sir for
Very useful video
Keep supporting Ravi :)
Awesome video bro. Already subscribed u
Thank you 😊
Sir very informative video
Keep watching
Valuation charges के बारे मे सर बताये Bank of India
Sir please make a viedo on Rulra Area property
Good information 👍👍👍
Thanks
Very useful info
Thanks
Balance transfer me existing Bank charges lagata hai kya? Aur kitna.
Valuation charges are mandatory or not ?
Sir please about ocr
Could you please clear if all these charges are taken by SBI or not. What is the major difference for taking loan from SBI rather than HDFC
Very nice and important information sir thank you very much sir
Keep learning
Sir ,do we need to pay any GST on interest part of home loan ??
Please let us know 🙏
Sir.....Nic information and thanku 👌👌👌👌👌👌
Thanks 😊
Sir kya intrest rate mai barganing kar sakte hai bank se ya wo fix rahata hai
Thank you sir your video was very Informative ❤️ keep going
Most welcome
Lone ke sath insorensh keyse kare
Sir home loan lete time other than Processing fees.. 10 stamp pepar 10 bond pepar Frankien charges loan agreement notice of intimation ye sab charge bhi hote he kya?
Sir please compare VPF & PPF
Sir pre emi why they cutting for 3 months ...initially
Nice sir....
Thanks Bablu 😊
Franking ke uper bhi ek video banaye
Hi i have a small question about this, I have a business running with all documents in place including my computation of income and returns, But i don't have any Co-Applicant and i am also not married so can i apply for a new home loan ?
Thank you sooo much
Hope it's helpful 😊
@@AssetYogi yes very much.. bahot hi badhiya tarike se har pehloo ko aap cover karte hain.
Good
Hi, do you have a video which explains what is Retail Prime lending rate? (currently HDFC shows as 16.20%)
My dear you should transfer your loan interest paying system to repo link lending rate because nowadays repo rate is 4% and you can save enough money in interest.
sir notice of intimation filing regarding loan karne ka fees bhi major charges hi
3rd point MODT charges.. Should I pay to government or bank.?
What is mortgage creation charges.?
Home loan emi Collection k liye koi tips bataye pls.
Please cover NOI charges on home loan, is it mandatory?
Pls sir tell me home loan liya h to cheque kis tym milata h home ki registry vale din same day ya baad m
SBI term plan is government or not? Is there any term plan offer by government of India?
Hey,
Your videos are so helpful to unlock various things about the home loan.
I have one question can you please create a video specific to choose the best bank for a home loan? and what should we remember when we deal with bank?
Sure. Will try to do that
Still waiting for it.
@@Nayan_Roy😂
sir plz give info on homeloan for farmers
Dear sir Maine 1940000₹ ka Lon liyahe jisme muzhe compalsory 60000 ka insurance diyahe aur primum ki receipt 5 saal tak ki 9500 ki he uske liye kya karna chahiye
Please make a video about Part Period Interest (PPI) in Home Loan.
Please make a video about Part Period Interest (PPI) in Home Loan.
Sir home lone ke new employrs ko problam hoti h home lone krvane me aap se riqust h ki koi letest video bnaye jisse new emploi ko aasani ho
NRE ke liye home loan process and tips please
Sir these information are very important for us, Thank you sir for this video
Yes. It is indeed very important.
Add video on pure home loan for house construction and for renovation purpose home loan
वैसे तो यू ट्यूब पर बहुत से लोग फाइनेंशियल नॉलेज दे रहे हैं।पर जैसा कोई नही।मैं अब सिर्फ आपके वीडियो देखता हूं।
Thanks for appreciation , Keep supporting :)
@@AssetYogi u r d best ! Sincerity and hardwork is on your face ! Sir do you invest on behalf of clients in real life ? M working professional in Mumbai.. please please let me know..
Please Help me sir....
होम लोन का tenure ज्यादा रख के ज्यादा prepayment सही है या tenure कम रख के installment में pay करना सही है??
Badhiya
sir MODT me stamp duty or registration charges dono hota he kya? Uske baad Notice of intimation bhi karna padta he kya???
Hi
We had taken home loan from Bajaj,while transferring the HL from Bajaj to any other bank,bajaj is saying that we will debit ur PMAY subsidy that is 2.68L.
When we asked regarding the reason,they are saying that u can not transfer the HL if construction is not completed within 36 months.
Currently property is in under construction.
So can u pls make video on this?
Is it true that we can not transfer the HL within 36 months?
Sir,
Jab ham bank main kisi bhi loan ke liya jate hai to, Kya bank Wale Ye Sabhi charges ke bare main btate hai..
Pls guide what action should be taken if someone Buy a home and now come to know home has multiple bank loans.what is legal action? What will buyer get
Home Loan m new joining walo K liye koi video.. As a suggestion