Lowest Home Loan Interest Rates - Fixed vs Floating

[@AssetYogi]

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[@kush.blackbelt]

Aap ne kaafi bohut important baat to batai he nahi, 1) are banks really honest to reduce intrest rates in floating Int.R when the rates actually come down, 2) what is the frequency of changing interest rates by bank 3) let's take example of 30Lakh loan for 20 years and work on calculations of this example

[@firojshaikh4199]

Dear sir, as today's condition which interest rate you suggest ? Floating /Fix???

[@sahilmehta27097]

Floating rate of interest lenne ke 1 saal baad bhi change kar sakte hai fixed me?

[@pankajgambhir5771]

I was not aware about change in tenure to do adjustments in floating.. Thank you so much for sharing such informative facts

[@dr.devanshipatel155]

Easy to understand for even a layman 👍🏼 Thank you

[@mayursharma2506]

Hi Mukul.. Is there benefit today to move home loan from floating to fixed

[@vjkhandalkar]

well explained sir. Apne to pura concept hi clear kar diya. Very good work done

[@AssetYogi]

Keep learning Vijay :)

[@bhumikaagarwal708]

Sir...2021 me konsa choose krna chahy option..floating or fixed??

[@GaneshKumar-dt5od]

Floating interest rate is a Deadly trap by the banks... Never fall for it... Better go for fixed interest rate even if the interest rate is high

[@guptarajesh25]

Please explain me about Floating Reference Rate for Mortgage Loan with home loan.

[@eddscall]

I have never seen a Floating interest rate reduce, it always float upwards weather its good times or bad

[@naveenmaan8662]

Very nice information Malik shab, aap bhoot hi usefully or Bariki se jankari dete ho, thanks

[@AssetYogi]

Dhanyawad Naveen :)

[@saylulifestyle8488]

Sir, mujhe new housing loan lena hai to aaj ki date main konsa loan lena chahiye, fixed ya floating .

[@sachinkumar-ms4st]

At present i.e in October, 2022, which one is better

[@AssetYogi]

Floating always

[@ankeshjarial6407]

Hii ...can u suggest which is better as per March 2023

[@saraboudhha3681]

Hallo sir,, kya intres rate agar kam hote hai to kya EMI kam ho sakti hai??? Krupya bataye sir,

[@varunjoshi-b1o]

Great video Sir, explained without manipulation

[@arnavshresthrollno-132a9]

Well explained topic , now completely clear.

[@dineshkumarnegi6861]

Aaj ki date September 2022 me kon sa Len fixed Intrest rate ya floating

[@montyR9]

this year it's totally opposite.. inflation at high market at crash .but still rates are increased..

[@shubhanshusharma1003]

Sir current scenario ko deke to abhi floting intrest rate lena chahiye ya Fixed help me.

[@vlogsbymaurya]

It's very important and interesting video.. Thanks Sir

[@AssetYogi]

Most welcome

[@gopalpatidar2971]

2023 me abhi konsa rate lena chahiye,bataye

[@AssetYogi]

Always floating rate

[@gopalpatidar2971]

@@AssetYogi thanks

[@shivsagarmaurya704]

Sir abhi kon sa Home loan Lena chahiye today

[@jyotimoi007]

Really good and informative video .Thanks !

[@pawankumarhalwai8578]

In 2023 which is better fixed or floating? PLEASE SUGGEST

[@AssetYogi]

Always floating

[@abhik8344]

Should I change my loan to floating as of now

[@shadabsiddiqui184]

Can we still have the option to choose fixed and floating? Because banks have linked their home loan rates to repo and mclr, can you please tell ??

[@taajthevlogger3198]

Abhi kya krna chaiye...After RBI update...Fixed ya floating ?

[@vijayparmar8438]

Abhi konsa int rate lena chahie

[@vip1992able]

Aaj k scenerio me floating lena chahiye ya fixed?

[@AssetYogi]

Floating rate anytime

[@kiranshrivas9196]

Sir. Veraiable ior ko change kar sakate hai kaya

[@sj-mj5dz]

Sir ye sbhi types ke loan pe hote hai ye rules like floating interest rate me prepayment charges nhi lgte?

[@hariombhatt6531]

Sir if private finance company pushing floating interest rate as per present so what can i take fixed or floating?

[@nishantsinghhayaran831]

Hi Mukul ji, what is your perception about interest rates of home loans in near future, will it increase Or decrease?

[@dharamsingh5728]

In 2020 which is better fixed or floating??

[@aryathm9447]

Can a bank by law charge a fixed interest penalty of 2 percent?

[@jyotimishra9474]

Excel me interest calculation part samjhaiye naa floating or fixed interest pe

[@Jaigurudevsatsangujjain]

Thank you so much for your helpful information,sir I want car loan please suggest me which will best fixed or floating

[@sportseye9832]

2023 me fixed interest lena chayiye ya Floating...?

[@AssetYogi]

Always floating

[@chetansharma-pk1rw]

Hi mukul I need suggestion..

[@sreekumark847]

Can I change my floating interests to fixed interests?

[@lovkumar1984]

Nic vido sir👌, which is bettr for 2022.

[@deepakarora9428]

Sir penal interest kaise bank calculate karti please batana

[@jhumasarkar3101]

2024 floating or fixed home loan? please suggest me.

[@anjanutube1]

Sir what is flat ROI and what is reducing ROI??

[@hareshlulia4005]

Can I pl suggest considering present situation whether one should go for fix interest rate or fluctuating?

[@henrycavill1601]

Expeditetools,com helped me financially .All thanks to them i got a transfer of $30,000 directly to my account .

[@RP-ol2gr]

LICHFL me floating system me interest rate yadi automatic km hota hai to bhi interest rate km krne k liye extra charge dena padta hai..

[@nehaknew]

So in these times fixed interest rate should be taken as inflation has just started rising Kindly suggest

[@AssetYogi]

Absolutely not.

[@ManishKumar-bd7js]

Abhi home loan le raha hun sir kya karu fix intrest rate lu ya floting plz help me.

[@himanshuaggarwal2010]

Reducing

[@biswanathjana1982]

Sir present time mai konsa interest rate lena chahiye

[@whenkey6047]

Good explanation bro even non accounts student can also understand thank u

[@AssetYogi]

Keep Supporting :)

[@whenkey6047]

@@AssetYogi sir now which is best please suggest me

[@m_a_solutions778]

Jb rate floating hai to Tenure par effect nhi ana chahiye. Jb bank EMI increase kr rhi hai to tenure kyo change kregi. Bank ek hi jagah se paisa wasool sakti hai.

[@AhmadRaza-kg3pf]

Sir 2023me fixed le ya floting

[@AssetYogi]

Always Floating

[@t.s.sharma6105]

Sir mene 2013 me fix interest rate per 20 years ke liye homeloan shuru kiya tha.ab es time kya mujhe fix se floting per switch ker lena chahiye ya nehi pl.butaiye.

[@rewaleprasad]

But if we want to prepay our loan and inflation is at bottom.. bank will charge 2% for fixed interest rate... So wouldn't it b better to take floating rates at that time .. ?? If initially I want a small emi due to less income... But I am sure that I will pay a 10 years loan in 3 to 4 years... Due to increase in income.... What to do...??

[@AdityaKumar-vc3tz]

Sir maine loan liya hai floating rate of interest liya hai 30 years ke liy but mujhe abhi loan tenure 15 year ka karna hai to ho jata hai kya

[@ratneshkumar7791]

Sir same problem mera v h

[@darshan2926]

Very informative video. In this Covid situation should I opt for fixed loan? I am confuse between NBFC and normal bank can you please suggest? I am looking to buy my 1st house

[@ghankp]

I have same question for new home loan today.

[@supravatghara9455]

Always get loan from banks. NBFC have higher charges.

[@nihaljoshi]

Hello, Please suggest fixed or floating rate for CAR LOAN in 2023

[@AssetYogi]

Floating rate always

[@nihaljoshi]

@@AssetYogi Thanks Sir, My tenure will be 5 years and I may close it early

[@tejasseloskar1996]

Sir, jaise aajkal market ne home loan interest continue increase ho rha to abhi fixed ya floating interest le

[@AssetYogi]

Floating Interest always

[@truthbumb4348]

Could you please advise what will interest rate in current sinario

[@ArjunSingh-ic2rr]

What is reducing intrest rate please tell...

[@rafiquekhan5987]

Sir Meri age 50 years hai mera mortgage loan foloting hai, mere pass bank ke msg aa rahe hai, to Mujhe fix rate mai jana chahiye ya floting he Thik hai

[@MrUjjainkar]

Thanks sir, but market for casting is too much malfunctioning for now, and critical to take decisions according.

[@swaroopdaiya2074]

Abhi 2024 mw lena h konsa lu floating ya fix

[@abhishekjogdand9389]

Thanku very much Sir For This Information 🙏🏻

[@SanjayAlbert]

Sir home loan 36l ka 24 y ke liye hi. But us ko paid agar 12y Mei. Kare to wo best hi ya 24y emi pay kare Taki tax benefits ho.. can y make vedio for that

[@waseem_27]

According to oct 2022 yahi lagta hai ki 2021 me interest rate 6.75 ke aas pas tha sabko fixed Lena chaiye tha

[@aadityadas9436]

Sir best loan konchi hai govt. Employees keya liya

[@chiranjibeesingh9607]

Personal loan keliey abhi floating sahi rahega ya fixed

[@capriotalk1089]

In Fixed interested rate pre payment will attract penalty. Does it means. If I pay 5 lc in one month & my emi is 59k per month. I will be charged extra ?

[@AardhanaArti]

I planning to took loans in few days which one is good this time Fixed rate OR Floating . Please Respond

[@Tanmay704]

Sir mein March'19 homeloan liya 8.65% floating mein but abhi 8.35% chal raha hein.but Bank manager bol raha hein EMI kom nahi hoga tumahara tenure kom ho jaye ga. A ka sahi hein..please suggest me?

[@VMohan-qf1rh]

Aisa hi hota h but aapko fayada h utna kam b toh dena hoga n tenure k Hissab se

[@aaravmalhotra1613]

Thanks sir for your valuable inputs. Pls if possible make a fresh video on different types of home loan.

[@jobandlearing4399]

Interest rate calculated in principal or outstanding balance monthwise

[@tanmaybarua769]

2024 mai repo rate increase hoga ya decrease.. please said

[@ajaythorat3858]

Is there any maximum limit on floating rate of interest

[@igmaxwell3327]

Sir current market condition k hisab se fixed better h ya floating?

[@AssetYogi]

Floating most common

[@manojnarula3327]

Sir please advise abhi current situation me fixed or fluctuating kaunsa best hai

[@luxuriousmind9584]

Sir fixed or flat ka means ek he h kya

[@pawanjoshi7069]

Sir meri age 42 years hai mughe kaun sa interst lone lena chahiye , please gaide kijiye

[@hemant3897]

Sir personal loan mai vi floating internet rate lena ka option hota h ky

[@mahendrasathe9159]

please make the video on flat interest rate and reducing interest rete and please show the comparison of flat and reducing interest rate

[@AssetYogi]

Topic noted.

[@kalimqureshi7629]

Thanks buddy for information

[@alpeshpatel8451]

Hello Sir... Maine Bajaj Finserv se Rural Personal Loan liya hai Loan Amount: 70,000.00 ROI: 25.00% Interest Rate Type: Fixed Tenure: 36 Month EMI: 3,403.00 Ye Detail Statement se li hai Lekin is hisab se 3403 X 36 = 1,22,508 ROI: 40.86% Hota hai... Kya aap muze Bajaj Finserv ki calculation Samaja sakte hai? Please Help me... Thanks...

[@AssetYogi]

70,000 ke loan pe 25% interest 36 months ke liye EMI 2783 banti hai. Aap ek baar company mein baat karein.

[@alpeshpatel8451]

flat interest bol rahe hai....

[@alpeshpatel8451]

Bajaj Finserv ne ye calculation email ki hai Please find below detailed Interest calculation for your reference Rate Of Interest(Flat)% -> 25%Yearly interest on loan amountLoan amount * Flat ROI / 100 -> 70,000 * 25 /100 -> Rs. 175003 years interestYearly interest * Tenure (In Years) -> Rs. 17,500 * 3 -> Rs. 52,500/-EMI amountyears interest + loan amount / tenure (In Months) -> Rs. 52,500+70000/36 -> Rs. 3,403/- Your reducing rate interest amount paid 40.8615% for 3 years(36 motnhs) will be equivalent to your flat interest rate 25%, please find attached Repayment schedule for your reference. Please refer the total interest amount paid at the end of your loan tenure You can refer the same in your statement of account sent every month to you on your registered email ID . Please find attached the same for your reference. For any further clarifications write to us at [e-mail]. Bajaj Finserv assures you its best service, always. Yours sincerely, Grievance Redressal Team Bajaj Finserv Ltd. 

[@user-aquanxt]

Very good economic explanation chart very good

[@luxuriousmind9584]

Fixed or flat alag hai ya ek hi h

[@ManishSharma-hm2ju]

I took loan of 50 lacs,at 9 interest rate, for 24 years,the building is under development, as per requirement builder will ask for money, emi wld be 8500 per month till possession 2026, then it wld be 44000, next month I have to give 10 lakh through loan, now when to do prepayment.....

[@harnoorsingh4773]

Sir Maine home loan liya tha 8.2 per annum par abb wo 9.5 ho gaya hai pnb bank se Kiya solution hai

[@sahilgillbohemian2818]

2019 me kon sa le sir fix ya floating??

[@RishabhSingh-rh1ws]

Fixed

[@anujmittal5923]

Sir iss tym fix lena sahi hai ya floating...fix 9.2% hai or floating 8.85%... Plz btayega... Muje home loan lena hai

[@ddebayan1]

Can i change from floating to fixed rate after sometime?

[@SanjayRathod-ct6qn]

Sir mere loan me abhi switch fee leke fix intereste rate kiya hai pehle intrest floting 14% tha and abhi 10% fix intrest hai to muze kuch samj nahi aa raha ki ye accha ye ya nahi tenure baki hai 6 saal please help loan amount pending hai 1200000 20/01/2023 tak abhi last month me

[@abhishekt800]

Very informative video. Clarified all my doubts 🙂

[@sharmatech0078]

Yogi ji kya abhi mera home loan me mera tenure change hota hai kya isko change karke imi valeu (rupees) change ho aisa possible hai kya

[@PANKAJKUMAR-jz9pw]

Sir,Mera axis bank me personal loan hai but icici bank wale bol Rahe hai hum interest rate Kam kar denge.kya mujhe Kam karwana Chahiye??

[@gyaneshpathak6803]

Many many thanks for valuable information

[@AssetYogi]

Keep learning 😊

[@pankajkumarjugran]

Sir kindly suggest me aj market me home loan 8.55 floating rate pr mil rha h to aj ki date me muje agr 30 lakh ka home loan 20-25 yr k liye lena ho to fix intrest rate rakhna shi hoga ya floating..

[@MrSachinkhare]

Bhai floating interest lo ..beech beech me extra money daaalte rehna prepayment karte rehna..koi penalty nhi lagegi..fixed interest lene me prepayment nhi kar sakte penalty lagti hai.. prepayment karne se loan exponentially Kam ho jata hai

[@vatsalkevadiya5191]

Subvention scheme ka batayiye

[@rajkumaryadav2556]

I want 40 lacs loan.. Bought a new flat.. So going with hdfc. Should I take floating or fixed. Kindly assist

[@AssetYogi]

Floating rate is offered mostly

[@krishnaniceaccount9669]

Sir Aaj ki date me Market Crash hai but Infaltion High pe hai to is situatio me kya prefer kare FLOATING or FIXED

[@krishnaniceaccount9669]

Whatever the infromation you have provided this was new for me Thank you SO much ❤️

[@AssetYogi]

Thank you so much.