Complete 20 Years Home Loan in Just 5 Year !! नया तरीका !!

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Complete 20 Years Home Loan in Just 5 Year !! नया तरीका !!
#pmay #awasplus2023 #investing ​#wealthguruji

[@WealthGuruji]

My gear for shooting this video: 🎥 My Laptop (16GB RAM): amzn.to/4d1EVy4 🎬 OnePlus 12 : amzn.to/4cKYNFR 🎙 My Video Record TV : amzn.to/4bPEmX0 🔆 My Camera : amzn.to/4cN5KGK 💡 Camera Tripod : amzn.to/3zJg6ZB 📽 Voice Recorder (Mic) : amzn.to/3zNlXgr Useful links: Gadgets that I use : bit.ly/wgproducts 20 Books for Your 20s : bit.ly/wgbooksfor20s The above links are on Amazon. When you buy any amazon products from above links, we earn little commission. this will enable us to make more informative and creative videos for you regularly.

[@jayeshpatil3172]

Sir me kisiko comments nahi karta .... lekin aapko kr rha kyuki Aapne bahot man lagake sikhaya ....❤

[@automationneemo]

Hi Instead of SIP, we can also pay the same amount for loan repayment each month. In this way we don't have to wait for 12 months. Also in SIP(MF) its very hard to generate even 8% return in one year. If we do RD, then we are getting ~7%, where loan interest rate is ~9%. It would be a loss. Please correct me if I am wrong.

[@sanyoggupta3781]

Don't wait for accumulate the amount for one year..deposite every month in home loan.

[@fitrebel2018]

The key is in understanding the concept of Compound Interest!

[@shivamthakkar4117]

Correct! The bank calculates interest on day to day basis or in some cases month on month and there is no limit to prepayment, So a person can also pay each month a sum of the amount and the calculated interest will be less from the next month.

[@arnwala]

Bro 20 saal ke baad 28 lack ki value kya hogi…… ye calculate kro

[@tushar8717]

Prepayment charges hi itne lagenge agar har month bharenge

[@prataptomar1706]

Bhai 20 saal ke liye aap kisi city mein rent par 2bhk mein rahoge and rent aapka lagbhag 12-15000k per month hai then aapko rent bhi to 20 saal mein 28-30 lakh dena hoga... 2nd thing is aapko 3-5 lakh aapko intrest+principal mein rebate milega

[@user-lj8hj9ej4c]

Investment and debt are two different component. Should not mix them. Sip is good, but market dependent... Focus should be on debt first.

[@preetamkumar8454]

Aj se apka pakka dost ban gya brother...ap bohot achhe hai

[@skhafz-j8q]

mutual fund se kamane se behtar hai ham loan ka EMI amount zyada karden aur tenure 20 se Kam karke 10saal kar saken to sirf 9176 repee zyada emi Dene se 10 saal me loan finish hoga 1300000 intrest hoga total 3800000, please calculate it

[@vinodingole6234]

Sahi kaha, udhar udhar saving Karo , idhar udhar dimag lagane se accha hai loan 10 years ka karo emi 9000 extra Dena padega bass aur jo 22k emi de sakta hai uske liye extra 9K kuch bhi nahi.

[@sudhanshusoni3753]

Mera 1800000 lakh ka hoam loan hai emi 16000/- hai 10 yrs me convert karne ke liye kya kre

[@doomrashikha]

I have loan rs 20lac Emi 17600 For 20 yr I have additional 20 lac which I invest in small cap for 20 yr I will pay me loan on regular basis. Is it good planning

[@deepakhairmode5434]

EMI three month bharenge to lone ke liye fayda hoga kya ?

[@KunalShah-ch1vl]

@@doomrashikha No you should focus on repayment of loan first. Just calculate u will end up paying more than double of principal amount if u pay with current ROI. Small cap fund has no guarantee to give u so much returns. For a 40L loan u pay 95L to 1cr approx for period of 20yrs which is now 25 years so is that small cap fund guaranteed to give u so much amount NO. close existing debt as soon as possible then you can always invest

[@RaviSingh-co3fc]

Hi Sir In my case interest rate is very high earlier it was 8.3% now it is 11.55% but im getting benefit of tax against loan. But repayment is the best option.

[@anoopbhakoo5353]

Why not prepay small amounts every month in HL instead of waiting for a year??

[@Raj77a]

This is not a good idea to invest in SIP.. Instead you have to pay the SIP amount as monthly prepayment..due to which you will be again getting more gain..i.e. Simply you getting the interest on SIP 6-7% but if you prepay monthly then you save 9% interest on that amount which is considered as payment in principal amount.. So this will get you in early closing of your loan.

[@zenruworld9445]

Amazing guidance and explanation is really amazing

[@sunilmayank9762]

😮😮😮😮😮 repayment भी वही कर सकता है जिसके पास पैसे बचते है नही तो लोग साल भर में भी एक क़िस्त extra जमा नही कर पाते है

[@NayaBharat3]

sahi kaha

[@shilpakarpe1955]

Very simple and good way of communicating information. Excellent, best video among I have seen many videos, very well understood, thanks🎉

[@shailendraduttdobhal9783]

बहुत सुंदर और आकर्षक आइडिया है, लेकिन sip विड्रॉल के बारे में और जानकारी देने का कष्ट कीजिएगा। यह किस बैंक से करवाने में ठीक रहेगी।

[@MECMian]

If we put small small amount in home loan with emi affect it will reduce emi with which we can save more and do prepayment again. Then again go for prepayment with emi affect. Doing this I finished my 36 lakh home loan in 5 years. Do not do SIP and wait for an year.

[@raghawjisingh8161]

Sir, Mind blowing. You are the great.

[@amarindersodhi8343]

Just wanted to know the option of investing in a mutual fund, in your three categories, we have to pay the bank every year.

[@patrioticsong4318]

Sir 21 L ke Home par lum sum 21 k emi Banta Yadi me 10000 pm extra emi/amount paid Karu to benefit hoga ya 10000 ka SIP karne se Please reply

[@mechanical89]

Very nice explanation with any technical jargon Thank you

[@user-bp1qw6xz7m]

Short term capital gain is another loss with this idea. Always better to repay loan directly instead of going for the mutual funds

[@sonisushant6368]

SIP KOUNSA BEST HE JISNE RISK ZERO HO PLEASE SUGGEST KARE

[@anantsuryawanshi8311]

Very nice and useful information. Dhanyawad sir.

[@vishwakantsingha7689]

Wonderful and knowledgeable things,

[@anandmohansingh2971]

Very nice and knowledgeable advice.. Please suggest mewhich is better. SIP OF Mutual fund for 20 years. Or Pay the mature sip fund every year to home loan account.

[@surajbarnwal5904]

Agar har saal 1 se 2 lakh agar bacha sakte to kya emi amont nahi badha sakte kya...usme v to amount Kam bharna padega

[@mukeshgupta6256]

Intrest bhi kam lagega😂

[@bnikhil1]

So 5 years ka to bataya nahi how much more pre payment you have to do ? Like kitne ka sip karna padega to finish in 5 years

[@ranjittewari1448]

I have to pay EMI Rs.22500 for 20 years and Rs.3700 i.e. 16% of 22500 for large cap investments to get interest free at last. This meant that I have to deposit/pay a total of Rs.(22500+3700)=26200 every month to get interest fee home loan. Please explain me to clear the matter.

[@rajeshmohite1141]

Bahot accha samzaya Sirji..Thank you so much..

[@yashwantvadher8114]

Hello sir, Please Can you explain ? 1st:- 20 years loan= 240 month. Then i repayment 1 additional EMI/year that is 20 EMI repayment in 20 years then, 240 EMI - 20 EMI = 220 EMI so HOW it is 199 balance EMI?? And same as 2 additional EMI/ year. 240 EMI - 40 EMI = 200 EMI so how its 170 balance EMI.

[@Gameover_26]

That's how the value of money also play a vital role, for example the value of Rs 100 today is 100 but after 5 yes it would be around 95. In short you need to understand the "math" behind this.

[@fitrebel2018]

With each EMI you are paying principal amount also!

[@rambachansingh776]

Repayment Kaiser Kare is ke lite bank se bat karna Padega scheme k lye

[@samvridhipunj.1976]

Very nice information thanks sir

[@MahendraKumar-h1g5m]

20850 ki kist ke sath 20850 aur jama karne per kya lakh hoga

[@pratapsalgude3931]

Emi ज्यादा भरने के लिए बैंक तैयार होती है क्या ? उनके भी कोई Rules Regulation होंगे

[@mukeshgupta6256]

Prepayment penality 3-4% leti hai bank

[@ManandMachhine]

Bilkul yeh video ignore karo, apna paise apne paas Rakho loan clear karke aap bank ka fayda hai hamara nahi. Covid mein cash chaiye flat nahi.. liquidity is king 🤴

[@user-uu5uq4jm7v]

Sir, nowadays banks are asking for minimum 2 EMI while doing prepayment..single EMI will not do.

[@tanmaypcm1988]

मेने भी अभी इस महीने लिया है मुजे अभी से क्या करना चाहिए जिससे जल्दी खत्म कर सकू लोन को होम लोन अभी प्रथम किश्त भी नही आई है।

[@jemsfernandez5904]

Bhai ye Rs.3700 EMI me se invest karna hai ki Alag se invest karna hai,matlab Aap bank ko 22500 donge aur 3700 ki Alag se SIP karoge right..?

[@WealthGuruji]

EMI se alag he ..

[@VinodKumar-jl5qr]

11:51 Sir🙏kya loan ke 2nd ya 3rd year se 100000 ka prepayment kar sakte h? Aur yadi ha to fayda milega?

[@WealthGuruji]

Yes kar sakte he.. fayda milega..

[@SushilSingh-dc2bp]

M sushil Singh from up apse baat karne hai how tell you

[@banidas6703]

My EMI was 17000 per month, I have increased my EMI to 20000, is it better option or pay 3000x12=36000 at the end ?

[@fitrebel2018]

No! You are doing it right, although it does require discipline!

[@WealthGuruji]

Increasing EMI is better as you are adding small small extra amount every month that will reduce your interest.. in case of you don't want to increase emi, you can pay at the end also.

[@shivamthakkar4117]

No keep the EMI as low as possible and save the amount and prepay the home loan by paying saved amount each month. In this case you pay 3000 each month to the bank, which deducts the amount from the principle directly.

[@fitrebel2018]

Tell me how it isn't the same thing? Any increase/surplus in EMI goes toward the principal which reduces the total interest!@@shivamthakkar4117

[@cloud_aesthetic_]

I also do that

[@Sonu.mkdhote]

Thanks sir 👍 bahut easy way mai samzaya aapne

[@bakhshishsinghvirk1055]

ਐਸ ਆਈ ਪੀ ਭਰਨੀ ਕਿਥੇ ਜੀ ਬੈਂਕ ਵਿਚ ਜਾਂ ਡਾਕਘਰਾਂ ਵਿਚ ਜੀ

[@yashdave5713]

My loan is 40 lacs. My question is should I prepayment 25 lacs at once, or should I invest in other sector

[@pravinkumarmalpani5558]

Good video..❤ Instead of doing SIPS for 20 years, it's better with your first option, intrest also saved, part of accumulated amount can be carry forward minimum 10% amount in funds.. natural Growth..I don't believe in long term SIPS.. Politicsl uncertainties...

[@anoopbhakoo5353]

I've taken HLfew months back @8.95% floating. When should I start exploring for cheaper BT??

[@fitrebel2018]

You should not! You should start prepaying the home loan even though it is in small amount! First 2-4 years are very crucial! Pay as much as you can!

[@kashish-lv8se]

Hello sir aaj ka video bahut achha laga or samajh me bhi aaya Dhanyvad aapka. Sir mera ek home loan chal raha h jiski abi 4-5 instalment gai hai Sir main Janna chahta hu ki kya main apne home loan ko BT karwa skta hu, or kya BT krwana sahi sahega. Kripa margdarshan kare

[@rahulsabhayat5155]

If you can do SIP then better to increase EMI. You are assuming 9% interest on loan and 8% on SIP. It will obviously save more. Also you can avoid tax on short term gain. If you increase EMI per year after your appraisal, you will save more than what you save with this approach due to compounding effect .

[@madhurathakur7260]

Please suggest sip for 1st option that is 7700 per month and if we do sip investment for this amount so we should pay additional emi or not? Per year

[@rajkanwarmeena]

Best method sir agar home loan me se 2 lakh saving karke bhi extra emi pay kar di tab bhi bahut bada benifit ho sakta hai.

[@ramratanilpate2867]

Bhai EMI bhi denge our sip bhi bharenge to balence bachega kaise jayadaa hi paise hote to loan lete hi nh.. Sip se achha to apna tenour kam kardo

[@naurejalam9916]

Sir , please share with me the calculation of prepayment on home loan. Suppose, my loan is 2400000/- at 9.05% of ROI, and I want to pay 400000/- each month and want to close within 6 months. How much total amount I will pay after 6 months to close the loan amount of 2400000/-.

[@siddharth0286]

Income tax me rebate milta h tab bhi close kar sakte h

[@healthm6533]

Bhai sip m last m 8 lakh ka 25lakh bna But 8 lack to apne pocket se gya na Lone amount+ 8lakh jise sip ki Kaise ye intrest free hua Sahi logo ko bnate ho Good

[@Sougata32]

Great information Bro 😊, plz suggest the best mutual fund for small and midcap.

[@manishrao18]

Foreclosure of home-loans(as per video title) is possible. I did for both of my home loans, bcz: 1. Loan Amount was small 2. Focused on spending only on needs, strictly no-no for wishes 3. Each year make sure that I pre-pay atleast 1 lakh (max cap 6-7lakh) 4. On pre-pay I reduced the tenure but no change in EMI 5. Opted loan from banks which do not have pre-pay penalty or any such type of charges 6. No investments in any other avenuses during the tenure. Except 80-C and other tax havens 7. Bought resale properties only as those were good deals during 2006 - 2014 8. Kept eye on Interest rates, BPLR, MCLR whatever those ratios are I use to encourage people to opt for property but post COVID I stopped that and now I discourage people from buying properties. Rates are not realistic and neither you will get returns on renting or resale. Loans, taxes and govt. regulations are painful. EMI free life is good!!

[@WealthGuruji]

Appreciate your view and suggestions to viewers, pinned your comment so everyone can understand and follow. Thanks for comment ☺️

[@shivamthakkar4117]

Thanks for the Insight, Learned a new thing today (Ref. Ratios).

[@anupsrivastava1381]

at the time of pre payment to bank we need to inform bank that this is for reducing the tenure ..... or without going to bank - they will do automatic

[@Raj77a]

​@@anupsrivastava1381no you need not to inform the bank...the prepayment done by you is considered in principal amount resulting no interest should you've to pay for that amount.

[@rahulvw266]

Yes agreed EMI free life is best option

[@SONAAS1986]

Mera home loan to iifl home loan 14.35% se 7 saal ho gaye he. Abhi bhi bhar rahi hu 😢😢

[@kamarrajn2103]

Sir, maine 15 lakh loan 9.5 percent interest per 23 sal tak loan liya hai. Maine har mahine 13195 rs emi de raha hoon aur har mahine 10000 rs principal amount repayment kar Raha hoon. Ab aap yeh batha deejiye mera loan kitne saal me khatam ho jayega?

[@WealthGuruji]

Aap ki loan around 90 months - 7.5 years me complete ho jayegi.. agar same interest rate Raha to..

[@kamarrajn2103]

@@WealthGuruji Thanks Sir.

[@sudeepsengupta2906]

Sir, mera 25 lakh ka loan hai 16.5 years ka.. Mera EMI hai 21,900.Maine do saal nikal diye hai. Main kum se kum 4 EMI extra bhar sakta huun har saal...lekin bank wale koi calculation batate nahin hai...aap bataiye mera kitne saal main loan pay ho jayega?

[@kushanand9563]

It depends on choices as well.. 3700 might fulfill some other needs of a person on a monthly basis

[@sunilsuknale6942]

Bhai mera home loan chalu hai 20L ka 9.2% interest se, but mai pehle hi saal thoda thoda karke 4.5L repayment kar diya jisse mujhe interset me bahot badha fark dikha, mujhe ye janna hai ki mai 20 saale se pehle hi loan khatam kar du to kuch issue hoga kya? Bank koi objection le sakte hai kya? Please suggest mai suna ki 2% of loan amount settlement karne bolte hai, kya ye sach hai.

[@subhasishbhattacharya8641]

Every yr pre payment is the best way.

[@banshilal3310]

Sir ji Good afternoon..Kya hum mortgage loan me yah formula same use kar sakte hai ..

[@JAYSINGH-le5kv]

Sir PNB housing finanse interest 11.45 le raha hai

[@sudeepsengupta2906]

Mera 25 lakhs ka loan 16.5 years 2 years completed EMI 21,900 If I pay 4 EMI extra then in how much time I would be able to pay my loan?

[@143Pankaj14]

Sir my loan is total 20.69 lakh an monthly EMI was 22064 an it's direct 25001 last 6 month tenure of 20 years please give me the proper solution.

[@sharadkukade2138]

Mai har mahina pachhis hajar extra home loan pay karata hoo. Kya mai sahi kar raha hoo?

[@WealthGuruji]

Agar home loan jaldi khatam karna chahte ho to sahi kar rahe ho..

[@mr_ace.07]

Par sir 28Lac milenge pre-tax Post-tax return to kam hoga na 28Lac pe LTCG flat 10% with no indexation benefit lagega Means 2.8Lac to tax hai Last me bass 25,20,000 milege index funds me Aur Debt/Liquid funds me Sidha Income Tax slab lagega ( 5-30% ) no indexation both STCG/LTCG !

[@amitrajdubey]

Sir ,last vale option ko compare kar k please ye bhi bataiye jo loan mai 10sal tak khatam kar dunga us k baad jo amount mera emi ka bachega usko agar baki 10saal k liye laga diya mutual funds me to kitna amount milega ...

[@Naturelover-zy5hx]

Sir har months 7700 ki sip krni hai ya shaal bhai me ek baar 7700 ka amount krna hai plz bataye...

[@sheetaljain5784]

Ok sir but humne pay Kiya extra amt bank kaise pta chalega itna Kam emi duration bacha hai ya itna interest humne bacha liya. Kaise jaker show karegA

[@WealthGuruji]

Har bank ki home loan ki application he.. wo download kar lijiye. Pata chal jayega.. bank me jakar bhi puchh sakte he.

[@AvijitDas-xp4vr]

Can you suggest which type of sip we should do in this case

[@shaikhminhaj7926]

Very excellent information sir

[@rajeshnautiyal4259]

Prepaypament option hota hai to bhut bdhiya ho jayga...

[@stageofkidding3644]

Kya repayment ka options bank deti h? Ya khud se us account me mujhe paise dalna h

[@WealthGuruji]

Yes, banks deti he.. contact bank for repayment

[@stageofkidding3644]

Thank you

[@sameertembhurkar257]

Grate information.. Thxx sir

[@dineshyerpude5218]

Sir but Jo additional sip aapne boli wo to additional incestemeny hai jiska interest to milega hi.fir zero interst pe homeloan kaise khatam hoga?

[@shreematimaryadiintercolla5543]

Har mahine agar repament karde sip na kare to principle bhi kam hoga aur intrest bhi. Kya yah thik nhi rahega sir

[@sukhveersingh1200]

Sar aap ye batao lon baki hai mam lo 10 lac or me ritard ho Raha hu muje ek achha amount milega kiya us lon amount 10 lac ko ek sath diposit Karna chahiye

[@5divyanshu]

Bhai, repayment shedule is sheduling by bank, whether we can reduce our principal amt after HL DISB.?...NO...

[@pratappatil6677]

Pl suggest sip options for same

[@WealthGuruji]

Connect with us. Check link in describable

[@amitbora1073]

Very informative n learning..

[@vivek96100]

Repayment is the best

[@dewabansh]

A great thanks to you sir, by seeing your video, I have ended my tension of EMI Payment till 25 years

[@pakizah4288]

26 लाख का लोन हैं saat saal का तीन साल में kaese खत्म हो सर 43050 ईएमआई जाती वीडियों bna de प्लीज़ sir

[@user-zz2kq1jb1t]

7 साल का ऑटो लोन कैसे कम करें जिसमे ढाई साल ईएमआई भर चुके है। आने वाले दो साल में ये लोन कैसे पूरा किया जा सकता हैं। कृपया बताने का कष्ट करे

[@anilmishra4855]

Yadi sip ka payment beech me band kerna pade toh kya hoga please reply

[@WealthGuruji]

Kuchch nahi.. bas SIP bandh kar dijiye.. aur fir jab aapko chalu karni ho, for chalu kar dijiye.

[@pvsff4259]

Very good suggestion dear big bro❤

[@SandeepKumar-ot9rl]

Very nice video

[@AvinashKumar-uz4pd]

Very informative (Y), Keep the good work bro :)

[@ganeshkhanal6735]

Sir. I have taken 6 lakhs loan and 30 emi is complete. I am planning to close my loan within one year, wht should I do.I mean what amount I should pay as prepayment every month. Thanks

[@venugopalchouhan8560]

Sir sip ko 10 sal k liye krke 1 years me interest nikal skte hai kya

[@rohitl589]

SIP se 290000 interest mila uska tax kon bharega??? Tax kita bharna padega maturity par?

[@SWAPANDAS-cs8hl]

Eysa hota hain keya ? Toh sare bank bandh nehi ho jayenge ?

[@WealthGuruji]

Banks for bhi Paisa kama legi.. Personal loan, credit cards etc se. Par aap kyu bank ko kamane ke favour me he. Aap ko apna fayda dekhna chahiye.

[@dvijenduprakash]

Waah sir . Very good information

[@rajukundu5328]

Aapne Mera akh khul diya ,, Thank you

[@LifeTravelNature]

Good one 😊

[@sanjibsarkar9565]

very much useful video.. but how to pay the extra amount? can i pay via netbanking by just transferring money to the loan account? or I need to contact bank to pay the extra amount every month? please help!!

[@aDroid_247]

Neft...check with ur bank

[@fitrebel2018]

Prepay in any method but only in the loan account!

[@hungrybelly2265]

Sir mera ek personal loan chal raha he kese usko khatam koru plesae thoda boliye

[@mukeshrangare4695]

It is the superb idea sir thank you very much

[@somachandrasaha1838]

Which is better to taken home loan from Lic home loan or SBI/other nationalized bank....