ഞങ്ങൾ UK-യിൽ വീട് വാങ്ങാൻ ക്യാഷ് save ചെയ്തത് എങ്ങനെ ? | Our savings in UK | Buy House in UK

[@vijaygeorge6861]

Please be more careful when sharing information regarding topics you are not an expert. You should started the video by a disclaimer by saying that this is not a financial advice. As you are sharing information from your experience some may take this as a financial advice and therefore it’s better to state this very clearly. There are many new comers to the UK and when somebody watches your video they will get distracted. There are other saving options in the UK for first time buyers with higher returns than NS&I premium bonds. Please consider this comment from a well-wisher of your channel in a positive way

[@stejinjoseph92]

Can you please explain other savings options for buying a house in detail ?

[@lstalks2461]

@vijaygeorge6861 thank you for your insightful guidance. As mentioned in the video, we opted for NS&I as a general savings avenue and given deposit from it. While I'm not well-versed in other saving options, I believe NS&I is a solid choice not only for purchasing a home but also as a general saving strategy. However, there may be more advantageous schemes tailored specifically for house buying. If you're aware of such options, please share them here for others to explore and potentially utilize.

[@binoyanthony4094]

At least she is trying to helping others, but you trying to stop her.

[@vijaygeorge6861]

@@binoyanthony4094 brother i have never stopped anybody from sharing information. You need to read and understand my comment and also understand the context. All what I advised was how you could present a videos in an ethical manner when you are not a qualified financial advisor.There are laws govering social media content and as a youtuber there are certain things to be mindfull otherwise people can take you to court when things go wrong especially when financial loss occurs.

[@binoyanthony4094]

@@vijaygeorge6861 If you have any more ideas then please share with us it would be great.

[@rohith2581]

Hii....work visalot mariyo?

[@Freedom-fg2iu]

What is the advantage of this scheme over LISA?

[@rohanshikha-jg6ei]

There is not many advantages over LISA if your planning to buy a home. The average return on this scheme is 4.5% and is not guaranteed while LISA gives you a guaranteed return of 25% upto 1000 GBP a year.

[@vijaygeorge6861]

NS &I premium bonds is not a perfect way if you are aiming for buying a house (first time buyer). NS&I is luck by chance so your returns are not guaranteed. Always opt for LISA which has 25% returns over your money invested.

[@lstalks2461]

NS&I, which stands for National Savings and Investments, is a government-backed savings organization in the UK, whereas a LISA (Lifetime ISA) is a type of individual savings account in the UK that allows individuals to save for a first home or retirement with a government bonus. While both involve saving money, NS&I offers various savings and investment products, while a LISA is specifically designed to help individuals save for their first home or retirement with certain eligibility criteria and restrictions.

[@lishapaul1801]

​@@vijaygeorge6861Hi, if we put amount in LISA , did we get it back during the time of initial deposit?

[@vijaygeorge6861]

@@lishapaul1801 yes you can avail that for your first home and the price of the house should not be above £450000.

[@binoyanthony4094]

Edhenghineyanu work cheyyunnadhu. Ticket aaranu select cheyyunnadhu?

[@angelrosetvm]

Hi.

[@sandhyarathee]

Could you please add subtitles for non-malayali audience? Thanks.

[@lstalks2461]

Sure 👍

[@binoyanthony4094]

ഞാൻ NS&I account, start ചെയ്തു identity and adress checkinu documents upload ചെയ്യാൻ കാണിക്കുന്നു. Passport and driving license ആണ് ചോദിക്കുന്നത് But ente കയ്യിൽ passport മാത്രമേ ഉള്ളു. BRP and bills ആണെങ്കിൽ അത് countersign ചെയ്ത് Upload ചെയ്യണം. അത് തത്കാലം നടക്കുന്ന കാര്യമല്ല. അപ്പോൾ പിന്നെ നമ്മൾ accountil add ചെയ്ത പൈസ തിരിച്ചു കേറുമോ?

[@lstalks2461]

Accountil cash itto already ?

[@binoyanthony4094]

@@lstalks2461 adhil first option amount aanu chodhichadhu njan 25 pound koduthu

[@lstalks2461]

@@binoyanthony4094 online account login cheythal withdrawal option undakum.

[@binoyanthony4094]

@@lstalks2461 NS&I account open cheyybol 0 investment aanu kamikunnadhu, but ente bank accountil ninnum debit aayi but pending kanikunnundu

[@binoyanthony4094]

@@lstalks2461 but 25 pound edhu vare add ayittilla enthayalum wait cheyyam allenkil counsil taxinte copy pattuvanel countersign cheyyikam. Eniku manasilavathadhu adhalla biometric permit vare avarku sign cheydha copy venam ennulladhanu

[@sajimathew5880]

How is widhrow money?

[@lstalks2461]

NS &i online accountil keryal we can withdraw it online.

[@christthomas2589]

6 month ayaaa buy home uk How munch deposit

[@lstalks2461]

Please watch previous videos ,I have explained all very well there.

[@al366-y3z]

What option did you choose for “ are you a tax payer in any other country than UK”because we are staying in the UK and back in India we are NRE which from understanding we are Tax exempt .Does that mean it should be NO for that question. Kindly reply

[@vijaygeorge6861]

Is this for NS&I account opening. If so please don’t do this if you are intending to make your savings for buying a house. There are other better options. Please speak to an expert and take decisions and not just by watching this video.

[@lstalks2461]

If you have no income in India and are not paying any taxes, choose the "no" option.

[@arunjanardh4733]

​@@vijaygeorge6861is there anyway I can connect with you?

[@sethulakshmi8652]

Only PR holders can buy home in Uk

[@lstalks2461]

Who said it ? We are in work visa

[@akhilkjohn3174]

😂

[@haneeshsharshan8705]

Ithinu app undo?😊

[@lstalks2461]

Illa