Benefits of taking a loan | How to take loans to make money

[@AkshatZayn]

►My new stock market course starts in October 2022 [SEATS FILLING FAST]: wisdomhatch.com/finance/ ______________________________________ ►Some of my favourite courses on upGrad: bit.ly/3BUHZeE #upgradnow #FFwithupGrad #Lifelonglearning

[@jasdeepsingh1107]

1cr ki emi 80 kaise bani ?

[@30secondsinformation78]

Hey Robert kiyosaki

[@30secondsinformation78]

@@jasdeepsingh1107 😂😂😂

[@freethinker7052]

@@jasdeepsingh1107 bhai pura video sahi se nahi dekhte ho kya ? 90 lac down payment kar diya h 10 lac p loan liya h

[@tig3ru361]

Hindi???

[@MrDumdon]

Akshat buys a villa in Goa , makes KZbin video and pays emi 😅

[@nikunjsingh8200]

Awesome line brother 😂

[@VishalSingh-dv2vg]

True

[@DENTT7]

Infinity loop😏

[@prakashth]

This is the only place where I disagree with him. What if the tenant stops paying. Property prices are not regulated in India. How can you say you will get 4 crores return?

[@mobilegamer66]

exactly this is what gonna happen.. income from youtube and by selling courses.. though good idea

[@doolanakshatram6169]

I was watching this video and then my neighbour came and we watched it together. He said that this video changed his life and touched his heart. I then went and rented a projector in a big field and all my villagers watched it and it changed their lives too. We all are so grateful. Thank You for this video….

[@samarth945]

Bruh XD

[@rahul-vg8pd]

😂

[@akkitheone]

Few observations: The rental income attracts tax after standard deductions, house tax and interest payment. Considering 81k/m; gross rental is 972k. After standard deductions and say 10k house tax it net rental is 913k. Interest rate deductions 123k (8.45% for 10 year, 1 cr loan). Total rental income approx 800k. Tax on 800k is about 50k give or take. Although it doesnt dent the investment but would have been nice to cover these aspects also.

[@AnkitYadav-td6mg]

👌👌

[@Kentdillard]

Exceptional customer care, *911 Mike Help* truly dedicated to client satisfaction.

[@dipankarkaushik5285]

You can avail a standard deduction of 30%.

[@peggyturner2431]

After i made my first million I realized that when a stock starts booming chances of you finding out means you are quite late to the party, for this I make sure my CFA handles that, it's like turning your notifications to earn more millions.I Reserve much gratitude for Stephanie Priscilla Bonillo my humble advisor

[@philipcooper1636]

@@peggyturner2431 she is the best no doubt. she has made a tremendous mark in managing my portfolio

[@saurabhtewari9920]

ChatBot spammer spotted

[@mathebulamkhize876]

I am new to the stock market. Every stock that I bought so far, I was out of luck because I bought them when they were expensive. I feel I missed out on all the stock opportunities so far for the tech stocks.I believe having 75K yearly income would be a good investment so I want to plug all my savings into the stock market. I know this sounds a bit dull but I would like to know if I should learn investing or let somebody else (more capable like a Fin-Advisor) do it for me? Please share your thoughts. I am kind of tired of searching for a good stock to buy and losing all the good opportunities.

[@mathebulamkhize876]

please who is the expert guiding you? i have lost so much as a beginner🥺 investing into stock without a proper guidiance of an expert.

[@mathebulamkhize876]

I just Googled his name and his website came up right away. It looks interesting so far. I'm going to book a call with him and let you know how it goes. Thanks

[@SaiKonijeti]

Good luck spammer 😂😂😂😂😂

[@SOLIDGAMER110]

Just buy Fine organics Asain paints Varun beverages Dmart Jk cement Do long term invest in these stock atleast 5 year Be happy 😊😊

[@financewithabishek]

Then invest in mutual fund

[@AmanKumar-vq1vq]

Big bull's lesson #1- never put borrowed money in the markets. Earn and invest. You might regular a large capital but start small.

[@whalemurugun]

He is misleading everyone.

[@vikasvicky43]

Large business are generally made on leverage...

[@shreeyashrane]

Borrowing to invest in equity can be done but it doesn't make any sense. It is a long term game and to finance the borrowing for a long period isn't financially or psychologically healthy.

[@vipulkumarpatel4487]

The formula rich people uses to stay wealthy is : Buy, borrow and die. 1) Buy in recession or when it is cheap ( stoc , real estates) 2) borrow more money with assests they already have 3) die, inheritate assests ( not cash) to the next generation with company shares to save taxes and insurance is always there to protect the wealth anyways.

[@vipulkumarpatel4487]

@@whalemurugun , he is correct not misleading.

[@ThinkingMonk000]

This man is a living testimony of everything you should NOT be doing with your money. Amazingly stupid ideas presented in a glorious package 😃😂

[@kalpagovekar7973]

Agree

[@vipulkumarpatel4487]

Disagree , Sir. Think about this scenario. Govt. scheme in all over the world is usually not reliable as it is design to generate the cash for the govt. and to compensate the subsidies for poor in order to get votes for elections and interest rates are not usually under the Govt. control. RBI and Govt are two different institutions.

[@aaminsaan4978]

Bhai aap hi bta do kya krna chyye fr ?

[@ThinkingMonk000]

@@aaminsaan4978 Simple, get financial education from books, not social influencers. And then apply your own brain to make future proof decisions, involving delayed gratification and sensible investing into stocks, not real estate or gold.

[@rawtrader8841]

😂😂 agreed

[@karenkatherine4956]

Starting early is the best way of getting ahead to build wealth, investing remains a priority. The stock/Crypto market has plenty of opportunities to earn a decent payouts, with the right skills and proper understanding of how the market works.

[@lucyameliaflynn4768]

Most people believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimum access to other currencies or gold/silver coins.

[@richardnicholas9654]

If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market.

[@castroguo4424]

Crypto currency and NFTS will outsmart the banking system in the nearest future serving as a global fiat. Already making over 85% profit from my current investment with the help of Josef Dennis's signal

[@noaholiver2946]

Trading with Josef Dennis signals completely altered my perspective on bitcoin because, despite everyone's complaints and fears, I was able to expand my portfolio from 6 BTC to 27 BTC in just 7 weeks with active trading…

[@karenkatherine4956]

You are right! I diversified my $400K portfolio across various market with the aid of an investment coach, Josef Dennis. I have been able to generate a little bit above $1.2m in net profit across high dividend yield stocks, ETF and bonds during this red season.

[@hiteshnankani644]

A brilliant strategy. The only cons: The taxes. The profits earned are taxed. Which results in a net negative situation in terms of profit earned.

[@55555ehnx]

Undoubtedly, one of the best videos in KZbin to understand personal debt and investments, especially for newly salaried employees... Thanks a ton for this amazing video!

[@twinkal1438]

this type of dangerous business/investment idea is a reason for inflation.

[@55555ehnx]

​@@twinkal1438Agree but a small inflation rate is beneficial for the growth of an economy...😅

[@vickyAlways]

@@55555ehnx this will ruin the borrower's life

[@55555ehnx]

@@vickyAlways How? There's always an element of risk. You must be capable/intelligent enough about how to manage funds in all types of situations... After that you need courage to take risk. Either stay poor or take risk, choice is upon everyone...

[@vickyAlways]

@@55555ehnx not everyone gets 81k rent monthly guaranteed and if montly income didn't generate u will be in loss. don't blindly believe any youtuber

[@shami_fin]

Finally the explanations are on a clean background rather than corner on your webpage👍🏼

[@PrashantKg1996]

You won't get fixed interest on your loan at 8 percent... Its usually 2-3 percent higher than current floating interest. Also did you add annual tax, electric and water bill, furnishing cost, repair cost etc? It honestly seems too good to be true to get that much return from renting it on airbnb

[@alucardbalmond3480]

If it's too good to be true it ain't true. In India even if you are a politician you won't get a loan below 10%.

[@ghulamsarwar7649]

Even I thought the same

[@nikhilpachauri5761]

HE must have taken loan much earlier when interest rates were hovering around 6-6.5% for home loan. Only that video would have been made recently .

[@denverpereira8020]

I was waiting for someone else to point this out, and also as someone who has worked at an NBFC, the companies dont usually give out fixed rate loans.

[@nikhilpachauri5761]

@@pushkarerande123 rightly said. I had seen my father's business got crushed due to heavy debt and we had a tough time to get out of it. Even when I started my consulting business to SMEs, I had tough time with processes for loan from bank and decided to rather go for boot strapping.

[@parthasahapbs]

Well explained...yeh mne pehli baar apka video deka hai or especially mujhe esa content bohut pasand hai ❤️❤️❤️ TQ sir for guidance

[@ajithmoni1712]

Great content ... Very well summarized ... I m glad unlike others u covered all aspects of investment, House, Gold and Stocks and the important fact that it is good to take a loan(debt) provided u are investing it in a good asset.

[@akshats.247.]

ᴛʜᴀɴᴋs 👆ғᴏʀ ᴡᴀᴛᴄʜɪɴɢ☝️ ғᴏʀ ᴍᴇɴᴛᴏʀsʜɪᴘ, ɪɴғᴏʀᴍᴀᴛɪᴏɴ ᴀɴᴅ ɢᴜɪᴅᴀɴᴄᴇs ᴡʜᴀsᴀᴘ ᴍᴇ ᴅɪʀᴇᴄᴛ.

[@arbitrorealtors4526]

In my whole life … first time ever i have seen such a great video with so simplified explanations on real difference between asset and liability including genral rule to calculate along with leverage calculation…. Thanks a lot … this kind of video will make many people to overcome from their earlier taken bad decisions as well it will help to take finacial good decisions for their bright future…. Thanks Thanks Thanks….

[@aby-8k]

Hahaha...... This is a joke..... airbnb 81k for 1 month ..... even a 5 star charges less ..... where are the details.....the whole basis of rent is flawed.....

[@kishoremarathe1147]

You need to take in to consideration the Indexation while calculating profit/loss from house property.

[@nitinrao3541]

Awesome video...few things.. 1. Time value of money calc. 2. Loan emi paying from business. By the time we close loan of 20yrs we allready paid bank double.

[@BiswadeepDebNandyStrikethrough]

Was waiting for this topic for ages . Thank you !!

[@106jimitmondaltybms4]

😂😂

[@manojpawar007]

You explained the concepts so simply. Great work.

[@MrManojHirway]

Good analysis but I think 400% returns in 10 years (26% CAGR) is not realistic for real estate in today's scenario.

[@snmn77]

It's 100% , not 400%.. from 2 cr to 4 cr

[@EVL_GAMING]

@@snmn77 it's 300% he used 1cr not 2

[@VishalSinghYouTube]

Don’t forget the revenue he’ll make from this video 😂

[@EVL_GAMING]

@@VishalSinghKZbin may b 3emi 😅

[@SuperArindam1982]

It may be as it has land too and not just mere building-apartment or flat.

[@PRAMODYVshastry]

Am I the only one who is wondering how he will clear a 1cr loan by paying EMI of 80k for just 120 months!!

[@SMaheshKumarmyprofile]

Yes I am totally surprised how he missed giving the key input on what was the credit in loan amount and how much he paid as interest to bank and even after that he assumed he double the money…. crap

[@zakariasagor4707]

Me too

[@deepakbalhara8103]

MISLEADING VIDEO ( no offence): Two points- 1. For Rs 80,000 EMI you are getting Rs 80,000 rent. Net is NOT zero as you said. You will be paying salary to caretaker and to pay monthly maintenance cost. 2. Return is not 4X after 10 years as you will be paying huge amounts of money as pending loan amount in foreclosure of your loan. Wish to have your insights on these points for everyone’s benefit.

[@karthikg9]

Also, on top of operational costs, there are lots of risks associated with Airbnb business for those you need to buy insurances (for cases that is not covered by Airbnb) and there will be a low season in the 10 year period so I am not not sure if your 80k pm figure is adjusted to those scenarios. Note. I myself an Airbnb place owner

[@bibsbro77]

Where where you in the 90s Akshat ?? If only we had received such useful financial advices back then !!

[@mridulparashar1515]

Two questions around this investment Akshat. Today you are in Goa but what happens when you relocate to another city. Managing a property in another city is daunting. How do you overcome this ? Did you buy this property as an individual or as a firm ?

[@jayeshdani8738]

beautifully explained, thank for such valuable financial lessons. love it...

[@abishekbaskar6519]

One correction bank does its verification with the papers u have submitted, so if there are legal disputes that comes for eg after year or two bank doesn't guarantee it nor it takes responsibility. So a bank loan sanction does not guarantee that the property is safe. Its better to do ur own verification with a very good lawyer and there are several firms who does this for you

[@cb7762]

Took loan to invest in crypto in 2019. Patiently holded assets for 2 years even in the 2020 crash and it turned on average 20x in 2021. Loans aren't bad ideas. It made me completely debt free.

[@phaneendramuttigi]

Agree Car is a liability, Recently i started car pooling in Bangalore since companies started calling back there employees,Since i travel all the days to week i get riders on regular basis which is actually generating me good returns at least to clear my Fuel and service charge

[@pradeep2kedar]

U have business mind 😊 finding opportunities everywhere, everyday

[@radhikaraman8998]

One of your best videos on you tube. Very very informative. Especially about leverage and pay back period of a loan amount that we take. Thank you very much.

[@nvghorawat]

Selling for 4 crore in 10 years does not mean 4x as there will be balance loan of roughly 75L that also needs to be paid.

[@AmjuriLilly]

THIS IS ONE OF THE BEST VIDEO I HAVE EVER SEEN,THANKS A LOT.

[@tiat3456]

Is sub-renting services/Airbnb manager provided by Airbnb? Are there any risks associated with sub-renting? Are maintenance costs taken care by Airbnb manager (from their pocket)? If not, how much is the monthly/yearly maintenance cost of such villa? Also, will it vary how much the Airbnb manager pays to you as there might be off season where there are no customers or you have made a fixed deal/agreement for a year wherein the manager will be paying 81k irrespective of off season?

[@venugopalreddyperam6966]

Hi shrivastava, few points is Bank is not giving loan on not simply based on property, it is based on customer paying ability. If property is in dispute bank is not worry about it. Bank loaned property is demolished by developing authority which is at place of lake ,this plot is given loan by bank.2) Banks can give loan with fixed interest only for few years ie) 1 or 3 years

[@venugopalreddyperam6966]

Loan given by bank to flat

[@subhankar.prabir]

Could you please elaborate your AIRBNB investment journey? And the 81K cash flow claculation too,. Also would like to have a glimpse of your property.

[@shivangisinghjadon9618]

Very precise and informative video for middle class salary class. Thank you.

[@bharatsharma2907]

Hi @akshat can you please explain me this, 1 cr Loan for 20 years at 8% interest would also cost you an EMI of ₹83.6k, Thus even after 10 years you would still have to pay EMIs for next 10 years, and thus you can’t sell the house to make a profit of 4cr! ( please enlighten me, if I am missing something) ( also, considering it was a fixed loan the interest rate would have been much higher)

[@amanasija28]

As always, good video Akshat!

[@pkmatta]

Somewhat Agree. But don't agree on 4x return. 1Cr loan with 80K EMI means in 10 years still 66 lakhs of outstanding principal is left. So it can be 3x but not 4x

[@gaurav3907]

Your Rent will also go up, again considering rent increase of only 6% , your loan O/s will be zero.

[@Drpoojaiyer]

Never seen a better video than this

[@tanvipardeshi8647]

Excellent content as usual Akshat! Keep it up 💯

[@swapnilphondekar4966]

Sit, your videos are so good that before watching them I press "like" button and then watch them. I suggest every beginner in stock or financial markets should watch your videos.. Thanks alot

[@harshteck]

Your rental income is taxable at 30% and also year around generating consistent income is tough, the figures don’t add up

[@pavansawant6300]

Clear hai!Thanks boss seedhi baat no bakwas...

[@akshats.5559]

⬆️⬆️Reach me with the watsapp line above for more information ,guidance and for available investments. Thanks for the feedback

[@ksiddharth9475]

Hey, in case of MBA, don't you add 10 lac salary of 2 years which you are leaving for MBA. That will make 30/5 = 6. Anyone planning MBA should take this into consideration.

[@biratbhowmick7291]

I'm going for MBA but can you tell me what is this 30/5? I didn't get it.

[@sahastra100]

Very informative in simple language.👍

[@alancan83]

It depends on your age as well. The younger you are more % of loan of your salary can be taken . Becos ur salary increases rapidly when u r young. When i was young i had taken alsmost 70% loan and as i grew older it had become 20%

[@kashthkkr87]

CA would never classify car as an asset. We term it depreciating asset

[@shankha1982]

The calculation of 4x growth is absolutely incorrect - with a loan of 1cr, 7.5-8% rate of interest and EMI of 81k, the loan tenure will be approx. 20 yrs and after 10 yrs, you need to repay approx. 65-80L from the money you make by selling off the villa (~ 4cr) - so effectively, you have not grown 4x with your investment but approx. 3-3.5x

[@vasila1]

but he already paid 90L as down payment from the Loan amount, so he got 10 months of EMI

[@sanjeevgunda6294]

RAJAT, YOU ARE CORRECT

[@shankha1982]

@@vasila1 the price of the house is 1.9 cr, downpayment of 90L plus 1 cr loan amount

[@jithinjayachandranpk]

You changed my life. Thankyou

[@noone_and_nobody]

Hey Akshat, great video. Purely from a tax benefit point of view - the tax deduction one claim is 2L on the interest paid. Hence, it may make sense for for person to take only as much loan as interest payment of which can be claimed? completely claimed

[@coffeewithkrupesh2113]

You are a Gem! Thanks. Love & Regards.

[@ajaykumar-banker]

Excellent video. Good of you to share your project for generating additional cash flow and increasing your wealth through loan. I own a studio apartment in a Mall. Does Airbnb take them on rent also?

[@disisayush]

Akshat, this is great content you have presented here, would you mind using professional mic for recording this.. I know u already have that as an asset, thanks.

[@mohamedrehan5364]

Buying a property on loan from bank doesn’t guarantee that the property doesn’t has any dispute. This is wrong assumption, in real life scenario dispute might be already ongoing from past 100 years but we might not be aware of it because the bank only does the verification of the property on the documents which is being provided by the seller .

[@vigneshhariharan9687]

This is true, I know a real example. People from TN know film producer RB Choudry who owned a property in Nungambakkam which was taken over by the government because it was a temple land. The beauty is the purchased loan using bank loan. So it depends on the local law.

[@vishalyadav451]

9:48 He was ready for the Adani situation 🤣🤣🤣🤣

[@VITSKamatsGroup]

Are you crazy who has 90L to do Downpayment??

[@shubhammishra518]

Not for you bro. Stay out of it!

[@Learning-sl4qf]

Those who have that amount already have a consultant to do the job

[@behindtheglosss]

Thank you, very insightful video.

[@rammohan6880]

In previous video you were talking about its not worth to invest at all in real estate except commercial properties because real estate returns will not going to provide exceptional returns Now you changed your opinion! Tell me which one to follow!

[@noone_and_nobody]

It is a commercial property for him. Important is to understand that this property is going to generate a cash flow for him. Which is going to help him pay the loan EMI. He has calculated the loan amount smartly so that the cash flow offsets the EMI amount. His primary savings, year on year, will be the taxes and miscellaneous expenditures he'll be saving by tagging them to this business

[@bharathtn9323]

Hi Akshat idea is conventional and looks cool but the difficult part is choosing the safest & guaranteed, assured stable income assets..could you pls support to list & recommend a list of any type of safest assets which can immediately start paying you to nullify the EMI (with a downpayment ranging from 10L to 90L) and also has a 1x,2x,3x,4x growth down the line after 5,10,15 years..etc..( basically request is downsizing of amount but idea and concept remains same)

[@hiteshnankani644]

bro I have idea, but the issue is just one. You like me would be in 30% slab. I made profitable plans but with the coming of Taxes, they all turned non-profitable.

[@hiteshnankani644]

also, I had concerns about quick liquidation, another reason for not opting.

[@vickyAlways]

@@hiteshnankani644 shameless indian govt is increasing taxes everywhere more n more with each passing year

[@ramawatarjangid4039]

Pragmatic and well explained, thank you.

[@RPAAVANPHANINDRA]

Hi Akshat, Since the Airbnb returns pays the EMI for the loan for the Villa, You would not be over leveraged, right. ? So as long as one can pay the down payment, Can one take multiple such Villas on Loan and still never be considered over leveraged, right?

[@MovieMelodye]

Nice informative video.

[@harryb6568]

Akshat, agree with the concept of benefiting from leverage. But how do you get both Tax benefit on the interest and also claim business expense? Is the property classified as residential or commercial?

[@tkdevlop]

he is leasing out the property to himself

[@shail4u3691]

As always...Killing it bro

[@theimperfectyogi480]

Hey Akshat, there are lot of options to but commercial space which have a fixed rent that the developer promises for a 10 year period. The rental yeild is between 5-8% per month. Do you have any insight into these? Any traps that you can foresee?

[@niteshagarwal]

What rubbish is this - real estate is not liquid at all - it takes years to find a customer who is agreeing to buy at your 4x price? Kuch bhi 🙄

[@chetankulkarni4726]

Very important information Thanks

[@rajsharma-yl4vb]

he is insane!!! not all villa worth 1.9 cr would fetch rental of 86000!!! my apartment in delhi is 2.5 cr and it fetches me rental of meagre 35000rs!! i wonder how guys like akshat are surviving!!

[@varuneshraslana1010]

Raj sharma, please watch the video properly, Akshat has clearly conveyed he has tied the villa with Airbnb that too with the help of Airbnb property manager who takes care of the daily chore, lets be sensible before commenting.

[@mrplayer9316]

Bro 35k per month rental ko meagre mat bolo. Ghar baithe mil raha hai bhai

[@amilrahman]

It works in goa as usually the renters are Russian!!! They don't buy only rent property for 6-12 months at a go!!!

[@amilrahman]

It is possible in goa as the renters are usually Russian!!! They are only there for rent and not a purchase!!!

[@kaay358]

I bought a villa in Goa for 1.8 cr and get 1.5-3 lakhs a month(fully furnished) just saying. Delhi has shit return rent wise. Even my investment in hyderabad of 60 lakhs gives me 35-45 k a month. Just by putting ac in it. Also I don't think residential property is a good investment unless you want to eventually live in it or use it personally. Better to invest that amount in an entrepreneurial venture. Just my point of view.

[@nikhilreddy3504]

Akshat, Big fan of the wonderful content you share on YT. But, 4X is not correct in this case as there is an outstanding loan after 10 years and your loan will have not less than 70L outstanding after 10 years. It may be 3.3x, of course this is still a good return. thanks

[@ashish19183]

Hi Akshat, nice and interesting video. Just wondering why did you take housing prices increase same as FD. House prices increased by ~ 5% YOY from 2011 to 2022. This will still give you around 3x returns (don't know, maybe Goa has better returns). Good work, keep it up

[@davelawson2564]

only a fool thinks 5% YOY gives 3x . LOL

[@hiteshnankani644]

idk how those stats are created, but they aren't practical. Practical. Noida. Prices have went 2x in last 3 years itself. (Most good properties) P.S. the transactions of property on paper has low growth rate.

[@mrinaldesire1987]

When you hear ... Let's Assume too many times... You know how hypothetical this case study is.. 🙏👍

[@dhawalpurohit]

All type of real estate , Easy to buy tough and time consuming to sell..

[@FinManSusovan]

I thought that debt / loan is bad but after seeing this video I understand that loan is good

[@adityaprakashmallick5805]

Akshay never runs out of content🤣

[@alucardbalmond3480]

next content- why real estate is a bad idea and why I'm selling it.

[@adityaprakashmallick5805]

@@alucardbalmond3480 haha..... But i like akshat

[@ArunKumar-et7mn]

Hi Akshat, For 1cr even if we get 15% return annually we will be able to get 4.4cr in 10yrs. Even nifty 50index or stocks like hul , Asian paint etc would give that much of return. So point is .. why to take loan , pay EMI there is also risk of rental income , property value not appreciating and all.. so is it a good idea to take loan for assets like home and villa..

[@Ivy_Inquisitor]

But where do you get the 90 lakh capital? Bank is offering a loan on home but not for stock market investments right? You need to invest 35k+ for over 10 year! 10 years!!! with over 12% CAGR!!! to have a capital any where close to 90 Lakhs! By that time you would have paid back the loan amount, got tax benefits from interest and principal money you paid for the home. And the most fun part is if you owned a home away from your state then you would have got tax savings on HRA as well! You start with 6% on 90 lakhs not 15% on ~4.2 Lakhs(35k*12)!!! tell me which is more 15% on 4.2 L or 6% on 90 L. All this without paying a dime of rent if you stayed in the property or generating ~25-30k additional income every month. My salary is 24LPA and every bit of that 24 LPA is tax free because I am paying a home loan in a different city. Getting a Rent of 27k and in that 30% of it is not taxed because of yearly expenses on the property that we can claim during tax filing. Given that my property increases even by 6% CAGR I stand to gain for a 15 year sell off period, Than a SIP that gives 12% CAGR at 50k monthly(90L same money invested)!!! This doesn't mean I don't have a SIP portfolio but you see the importance of having a 90L capital upfront.

[@ayushwithasingle_a]

He is diversifying his portfolio by hedging his money in different investment instruments. Check out his portfolio video

[@Ivy_Inquisitor]

@@ayushwithasingle_a yes diversification is important which is exactly why I am suggesting home, and my question specific to people starting out without any capital remains and this is the reason to get yourself a home which is as stated an asset diversification. When you have no loan on house that could help avoid rent and helps in getting you tax benefits, it makes an awesome instrument even better than stocks.

[@ayushwithasingle_a]

@@Ivy_Inquisitor I am not sure about home, is it home for yourself or are we renting it out ? If it is being rented and generating positive cash flow, then why not ,go ahead. If you are living in it yourself then the decision becomes a bit complicated.

[@TamalGhosh]

Firstly Congrats! on your purchase of a Villa in Goa. In case it suits you then please make a video on how outsiders can buy property (Land n Bunglow in Goa) or what are the restrictions, n how to found your villa. Thanks!

[@amoldatir8152]

In which city in India are we getting rent of 80,000/ month, for a one crore property ?...This is oversimplified version of Robert Kiyosaki's (Rich dad poor dad) theory of getting rich,which though applicable in us,is not possible in india...

[@chahem]

1.9 cr property hai not 1 crore

[@junaidchoudhary1063]

Delhi

[@SuperRandeep123]

First of all property is worth for 1.9 cr and he is talking about Air bnb rental in Air bnb you can earn lot more than rental income Ex. You rent your property for 4k/night and of your property rented for 20 days it will give 80k return and again the property he bought is in Goa where you will easly get 8-10k/night in Air bnb.

[@yournemesis8232]

blr

[@shailajapittie1440]

Akshat can you please make a video on you decision rationale for starting an Airbnb business in Goa. Would appreciate you sharing your findings

[@nehak852]

Hey, Akshat, just a little doubt regarding flats. My dad has purchased a 14-year-old furnished flat in central Hyderabad for roughly 2Cr, and the UDS value is 1.8Cr. He invested 1Cr and took a loan for the remaining amount. The rent and EMI are almost the same. Would you consider this a good investment?

[@shubhamdixit7909]

Flats in General tend to grow too slow. The building becomes older as well as there are new projects coming up nearby. Now you have a 14 yr old flat and lets assume you took a 15 YR loan to payback. So, after 15 Years, lets assume that flat show a normal 7% growth and your flat value is 5.5 Cr. When you try to sell it, the buyer would have a 29 year old property valued at 5.5 Cr. He might also get good options in newer projects. So it would be a tough time selling it even if you make say 70 Lakhs of rent in all these years. Flat tend to not beat Inflation in very long term like say 15-20 years.

[@nehak852]

@@shubhamdixit7909 True, but we got the flat for almost the UDS amount. UDS can range from 1.8 to 2.34Cr.

[@KiranKumarAshok]

this would have been a good idea if it was a stand-alone independent building , with commercial being more attractive , for flats i see the value is not appreciated much on the property as it ages and i am not even sure as to who owns the land on which the infrastructure stands , also same investment in bangalore would have netted at-least x2 rentals

[@siddharthsagar2322]

Because the decision has already been made and the flat has already been purchased, there is no point in wondering whether it was a good decision or a bad one. Just see what happens and when you are at the same position in future make the decision for yourself NOT on the basis of HOW your dad's investment turned out to be, but on WHY it turned out to be so.

[@amans6504]

@@nehak852 Try to sell it in the next 3 years, hydrabad is going to be the next IT hub so use that opportunity, sell it.

[@amijoshi2678]

Congratulations on the new asset 👏🏻👏🏻✌🏻

[@vishalbhatia6564]

hey akshat..really a admirer of your videos.. but you are saying that one should not buy any liabilities on even 0% emi but you yourself bought ac on emi couple of days back..why this hypocrisy..

[@KumarSomnath11]

I don't think, ac should be considered as a liability just like an iphone, or sports car, or sports bike, or any luxury item. AC is a necessary item right? It gives us comfort, nice sleep, etc.

[@vishalbhatia6564]

@@KumarSomnath11 the point is not if Ac is an asset or a liability .. the point is if someone is getting it on 0% why shouldn’t they convert it into emi and invest the money elsewhere to generate returns.

[@KumarSomnath11]

I answered based on what you said. I am unaware of what Akshat has done a couple of days back. As you said, (which Akshat had said) one should not buy any 'liabilities' on even 0% emi. So I was telling from the liabilities perspective. Yes, you should not buy a liability even on 0% emi, as the principal itself is the loss for you. But when you are buying an asset, e. g. - Home, then it's fine to take loan. But sometimes you need to buy a liability as well which is a necessary item, and you can't avoid it e.g.- a personal vehicle for commute, a laptop for personal work, a mobile for communication, or an ac to beat the heat, etc. All these are liabilities but these are necessary liabilities. So these become a kind of asset to you, as although they don't appreciate monetarily, yet they improve your life. The thing is, when you overspend on something just for its luxury factor, then it becomes a liability for you. Just buy what is sufficient for you. Do not overspend just because you can afford it even if it is available on 0% emi. Here buying an iphone is not the point. There are many people who use iphones for professional purposes and gain out of it. For them iphone is an asset. I hope I make sense to you. And the last thing is, there is no issue in buying a necessary item on 0% emi. But just make sure that, you don't overspend. I will give you an example. I needed a Bluetooth speaker for my laptop, it is having speaker issue. So while I was searching about it, I got to know about a sale on jbl website. So I was getting a cracking deal on jbl flip 6 with 0% emi option. I was almost ready to buy it as many of my friends hv jbl speakers and I have personally heard them. But then I stopped myself. I thought I just need them for hearing speeches, casual movie watching only. So I don't need to spend too much on a Bluetooth speaker. So I researched a little bit on KZbin and finally settled for Tribit. For 10k+ to direct 2k+. I am not saying that, it is better then jbl, which it is not! What I am saying is, sometimes we don't need the best. But just because we can afford it, we buy it. So, there is no issue in buying a necessary item at zero cost emi. Infact, it is a smart decision. You can invest the remaining amount and earn. But that also you need to check that where are you investing it. Bcaz the gst on emi interest portion is 18%. Also, many cards nowadays charge processing charges on emi.

[@vishalbhatia6564]

@@KumarSomnath11 i agree on what you said...but one should also not miss on joys of life ..if someone can afford a luxury product he or she should definitely buy it not to show off but as a token of appreciation...and no cost emi is a wonderful tool for that..but one should not take a loan especially on int. to buy stuff which they don't need.

[@KumarSomnath11]

Yes. You are right. Self reward is important. But I would suggest, don't spent much on materialistic things whose effect is shortlived. Spend on meaningful things, which elevates your human experience. Spend on things which gives you joy.

[@saxenapoorv86]

Good explanation. But one statement was totally dumb that CA will consider car as an asset.

[@sagarraut7711]

clickbait is different content is different

[@akshat.s4579]

Thanks for watching and commenting send me a direct msg on what'sapp right away for more investment info and guidance. Thanks

[@akshat.s4579]

Endeavor to reach out 🔝🔝.

[@neelagopi]

Your math in 4x gain seems incorrect: 1Cr loan for 10yrs at 8.5% EMI is 124K. In case EMI is 80K, about 25yrs of tenure is required. After 10yrs, if you sell, assuming the 80K EMI scenario, you would have paid 1/3 of principle probably in 10yrs. So of the 4Cr, ~65-70L has to be paid to the bank, dropping your profit. Additionally, there are regular expenses like renovations (repaint), repairs, corpus funds (in a gated society), property tax, etc. These also impact overall returns. Tax liability is also missed: Income tax on rent 30% of 0.7*81K, (30% deduction), which will be more than 2L tax exemption on Home loan interest (note only max 2L irrespective of number of home loans) Tax on sale proceedings (LTCG after indexation), unless you reinvest in another residential property.

[@swapneshdash4501]

These shitty influrncers. The moment they smell equity goi g down , they move to real estate . And that 86000 its just pure luck. Please avoid them .

[@krishanduggal4030]

Thanks valuable information given by you

[@sahilagasgekar]

If its dangerous dont create the video

[@sahilagasgekar]

Ha malum hay

[@himanshumishra5088]

@@sahilagasgekar 😂😂

[@animeshpokhriyal203]

Tu mat dekh bhai Hume dekhne de aur seekhne de

[@MRPTrader7]

😂If it's dangerous then u please don't see video.

[@MRPTrader7]

@@suryavegeta12 😂😂👏🏻Epic

[@prashanthedward1312]

Bullshit, you are talking fantasy, all your videos are the same, stop making fools, you can gain gullible public/ subscribers with such crap, some may even believe and harm themselves

[@prashanthedward1312]

@Aksha S. ㊉①⑤④①②⑦①⑦⑥⑧⑧ thanks, but no thanks, i am beginning to question your credibility and not out of spite but our of curiosity. If you believe and follow your own advise you must have lost a lot of money, if that is not the case then either i am a nutter and you are a genius or you are a good con job and i am a good spotter 😀

[@renzobiswa]

very good explanation

[@Rkd01989]

Good approach Akshat. Very well put forward. Thanks for detailed information

[@parzival9693]

Thank you sir for informative videos

[@RavindraBabuAlapati-e9c]

If u get a rental property yeilding more rent that u r Emi is always a big thing … getting such properties is very hard

[@vigneshhariharan9687]

Hey Akshat, great video and I am learning a lot. Hope I saw your videos when I started to earn.

[@ghumakkad509]

learning a lot from you respect 🤟

[@kpuneeth83]

When you said after 10 years you are selling the property 4x... But you didn't still close your principal loan amount that is still pending and still is not less than 80-90 lakhs... What about that

[@naruto5437]

did same...great decision it turned out

[@nikhilsingh2233]

not to contradict you sir, just for some who misunderstand. Car is not a liability for a taxi driver. Iphone 14 is not a liability for a content creator. If something has the potential to aide your growth, it's an asset, not liability.

[@shashwatduggal1700]

What kind/type of loan is this ? Name of this loan type ?

[@Lifeangel2908]

You are letting your property to airbnb manager on fixed rental income of 81k pm so that’s just income under house property, not your business income. You can get standard deduction u/s24 along with interest on loan.