Thank you so much for the presentation ... Thank you Mr Arun and Mr kirtan
@fpaedutech Жыл бұрын
Glad you found it useful
@Pedals_n_brews Жыл бұрын
Nice videos with respect to frame work. My 2 bits 1) eventually emotional weightage becomes higher when it comes to decision making 2) wrt 1 cr house example, after 20% downpayment ~20l , emi would be around 70k . This as per frame work should be 25% of income , so essentially you are saying income should be close to 2.5-3l per month . How many people do we realistically know who earn that kind of money and then stay in 400sqft 1cr house in a metro region eg- mumbai ? 3) after buying primary house - it should not be considered as asset . Would it matter if the real estate price falls by 50% after purchase ? . You’ve bought it as consumption. After that if it rises 100% or falls 50% becomes pointless . Best to think of it as consumption. Also wrt stability of income . Also need to see in today’s environment if job is SAFE !
@bhavikondhiya9187 Жыл бұрын
Great insights... Recently shifted to rented property to loaned property myself, went through all the pointers discussed. Having said that, i think Arun missed out on the fees (legal, stamp, registration, mutation, brokerage etc) n the basic moving costs (movers, BASIC interiors n furniture-fittings) to be added. Both things put together inflates the costs by 10-15%, which till now no expert has discussed ever.
@fpaedutech Жыл бұрын
That points more towards renting
@aftabwarsi4261 Жыл бұрын
Great conversation... Learnt a lot really enjoyed and I think I would be able to take a wise decision when I plan to buy home... Super content❤
@fpaedutech Жыл бұрын
Super happy to hear that :)
@NikhilPatel-m5y Жыл бұрын
Super Content ...Thanks Arun and Kirtan
@fpaedutech Жыл бұрын
Glad you liked it, thank you so much
@Champingcom4 ай бұрын
Thanks for the information
@ravivkokate1 Жыл бұрын
Very informative and tons of learning . One Q on the rental yield thumb rule of less than 4% favorable will that be taken for commercial property as well?. Any advise
@fpaedutech Жыл бұрын
Yes which is why commercial properties are generally better to invest in vs residential
@PeterGerald Жыл бұрын
Personally I feel one should not go for a buy as soon as they have 30%. They should at least have 50% or 1.5x annual salary in hand before even thinking of buying. 30% is not conservative it is the minimum amount needed. 20% down payment and 10% registration charges 11:52
@praptijoshipura4795 Жыл бұрын
Very useful interesting conversation for home seekers
@fpaedutech Жыл бұрын
We are glad you liked it
@anandts6973 Жыл бұрын
Excellent analysis too good
@fpaedutech Жыл бұрын
Thank you Anand
@vijays114 Жыл бұрын
Quite informative and useful tips! Thanks Kirtan and Arun...
@fpaedutech Жыл бұрын
We are glad you liked it
@ugramreddy Жыл бұрын
Can the team please share the pack used during presentation for reference?
@fpaedutech Жыл бұрын
Share your email
@janarthanannatarajan983 Жыл бұрын
Arun strikes the chords of arranged Marriage...
@fpaedutech Жыл бұрын
Lol
@proliferonuncensoreduncens1009 Жыл бұрын
I have a doubt, regarding the 3x framework, I'm assuming the salary in question is in-hand, right? Because in hand varies largely as compared to before tax income 😄
@fpaedutech Жыл бұрын
Good question 😅
@anitashakyawar75528 ай бұрын
Plz ap video hindi m bhi bnae jisse jinko english nhi ati vo hindi m samajh ske plz
@bijeshkumar2079 Жыл бұрын
What does mean annual income? Are you saying fixed in hand salary?
@fpaedutech Жыл бұрын
Yes
@PeterGerald Жыл бұрын
22:47 What to do when you're aligned to rent and wife is aligned to buy 😂
@fpaedutech Жыл бұрын
Go with the wife 😜
@sourabhjain3903 Жыл бұрын
The fundamentals explained in this video are not applicable for NCR. Would anyone here give me a 1 single example in NCR where (Home Loan Rate - Rental Yield) is less than 4%. Listening to the podcast is different from ground reality. If one follows the rules mentioned in video he wouldn't be able to own a house anywhere in India.