Don’t Buy A House ft.

Don’t let the broker fool you, make the correct decision!
I’ve always stayed on rent, something I’ve heard time and time again is why not just pay a little bit extra monthly and buy a house on EMI. Home loans are the cheapest loans you can get and they come with a slew of tax benefits. But what India fails to see is that your house keeps a significant portion of your wealth locked up.
Suppose you plan to buy a house worth 1 crore rupees, the rental yield is going to be 2-4% which gives a rental yield of 1.2 crores over a 20-year period. But this same 1 Crore invested for a return of just 10% you’d have made a return of over 5.7 crores in a period of 20 years.
And for those wondering what about the capital appreciation of the asset, India has shown a 6% capital appreciation for real estate. But this is affected by a lot of factors that are not within our hands, if you can find a home with a good capital appreciation your house can be a good investment. But the average Indian wouldn’t have the expertise to identify and purchase those properties.
Buying a home at an early stage of your life is a bad financial decision you will lose a lot on opportunity costs alone. Your early years are when you should be taking full advantage of investing flexibly to ensure optimal compounding of wealth.
#financewithsharan #homeloan #loan #loanofficer #realestate

[@abhijeetdhara9918]

"Kya phook k aaya be?" This never gets old.

[@84viksi]

One more beep boop beep boop calculation

[@celebratethelife364]

What does it mean?

[@valorkurzatx]

@@celebratethelife364 It means "What weed did you smoke?"

[@harshverdhan8832]

Iss bar last ka dialogue badhiya tha😂

[@drahman9]

Never 😘😘

[@mrrealnobody4382]

15 years later " Now i am jobless and don't own a house

[@karthikdevanahalli]

And imagine the inflation on land cost with the way cities are growing now. Will have to settle for a remote location.

[@vikrantmestry2288]

Now i am jobless and still have to pay emi😭

[@Bilcat]

@@karthikdevanahalli You need to look for inflation beating returns, stock market has always beaten inflation

[@karthikdevanahalli]

@@Bilcat Yeah only if you know when to get in and get out, along with the risk attached.

[@abhiraj4528]

And the bank won't leave your house anyways if you can't pay.

[@blinkingblank]

That feeling of having ur own house...that peace of mind can't be compared with money.... And how can u say u will survive till 40😂

[@sta1RR]

If u dont survive then all u did was pay loan till death, wont even own house before dying so …Living a poor life burdened with emi that takes 50%+ of ur salary in luxurious house is useless. Like having mercedes with loan and cannot afford petrol, whats the use.

[@blinkingblank]

@@sta1RR hehe...who says ki EMI bharte bharte mar jaayenge

[@trueman7249]

True

[@rajutaware]

Also in your prime years of earning you may not be staying at the place you own the house. Instead of asset it becomes liability. Best thing is live in a rented house near your workplace. Once you are 100% sure about location only then think of buying the house.

[@IronMan-kg3fq]

Sahi fuk ke sahi jawab

[@saurabhupadhyay977]

Everything is not expected to yield money, some assets yield happiness and memories that couldn't be compared to money.

[@DisciplinedTrader27]

Uss happiness ka achaar daloge kya jab jeb me pese nahi honge

[@voicevy3210]

pain misery and lack of freedom from emi

[@ThDaniel]

True. but for that happiness you should not fall into high EMI trap.

[@DisciplinedTrader27]

@@ThDaniel they know they will and still they won’t do anything Their ‘emotions’ is above financial traps😂😂

[@nalinyashraj1363]

All these finflucner own a house at 20s. Also here people are yapping about khushi ka achar dalogey? But logic defies this, isn’t everything done for inner peace? Why not buy a house in your own budget. EMIs are not bad just needs to be managed well.

[@ffl96]

Inflation has left the chat...

[@agnibhamukherjee5823]

Use USD

[@TheSummerLab1]

Chutiya hain ye log. Jo ghar 2000 me 10 Lakh ka tha aaj 1crore ka hai. Jo aj 1 crore ka hai wo 10-20 sal me 10-12 crore ka ho jaega.

[@srinidhikarjol4466]

Hahaha nice one

[@naveensandy402]

😂😂

[@Malik-dy3xk]

@@agnibhamukherjee5823 usd ne tho maar rake hain sab ke

[@stutikhanna987]

The property rate of DDA Expendables in my area 20 years ago were 2 lakhs now it's selling at the price of 1 crore. Even if you save money with rent and later going to buy the house in life doesn't mean you will able to get the same type of house at that age.

[@deviananyaadas431]

Yeh video phook ke banaya hai

[@pandiyarajan_16]

Yes.. Agreed

[@ryvydy]

Cost of 1000 sq ft in my area 2 years ago was 15 lakh. Today people are asking for 30-40 lakh for same area. I mean 2 saal me itna kaise bacha sakenge and at 40 jagah hi nahi bachegi lene k liye Kisi kone me jake lena padega fir

[@arunkumartiwari4570]

But see you will not buy same house at 50cr in next 20year It reach it saturation fast at low level earlier it could be an outskirt

[@divotiontogod]

Exactly, th point is where I stay there are landlords with 40+ homes..... They are te Reddy's mostly and it's a family business passed down from generation for them. They keep buying homes and then Jack up the price of properties around them. They don't care to leave their homes generating no revenue but they won't rent for any lesser. It's best to buy home the earliest one can.... Cuz the city may run out of space but these rich bums won't!

[@adityaajgaonkar3624]

inflation be like: Mei kya job chod du Abhi

[@mrajkishor331]

16 crore be like: Mei kidhar jau

[@Bilcat]

What's the rate of inflation you are talking about?!

[@hexagonsharma4489]

True story sharan - One day my father and I was having tea , My father asked me to fill application for FD online and I just unknowingly shouted “Kya fook ke aaya hai be” Now For quit some time I am having tea by myself in the morning. 😂😂😂

[@jerry.196]

😂😂😂😂😂😂😂

[@onelife2liv]

Lol this is hilarious

[@jainamshah3933]

Thing is you are still alive 😂😂

[@bhaveshd6769]

How was the tea?

[@jashanpreetsingh5458]

Why is FD bad?

[@sus5651]

Sharan, I guess u should sell ur merchandise printed t shirt saying " Kya phook k aaya be " 😅

[@SreekanthEnglish]

What does it mean? 🤔🤔

[@kiran-ms7ov]

Oh yes 👍

[@JustKidding_LOL]

@@SreekanthEnglish it means " what did you smoke and come?"

[@SreekanthEnglish]

@@JustKidding_LOL Thank you

[@abhilashthakur5830]

Right bro I will buy it

[@CaffeinatedGamer]

"Kya phuk k aaya hai be" is superhit 🤣

[@charlesspurgeon2299]

true 🤣🤣

[@badboysgamers3419]

The last one was 😂😂😂.......and love your that dialouge in every kya phook aya hai be

[@inforam.]

Bro I found a great channel #infora.

[@sanyam-jain]

Now this is my question "Kya phook ke aaya hai be?" In a country like ours we feel pride of owning our dream home, there is a different satisfaction and a feeling that you have achieved milestone when you buy the House from your hard earned money.

[@Yashrajsingh_pawar]

Even I didn't get that satisfaction at last Finance with sharan ✋🤚 Thnx for 240. Likes

[@megapunchboy]

Wiglett appears to be based on garden eels. The fact that it physically resembles Diglett may be a reference to convergent evolution, which can lead to separate organisms independently developing identical characteristics and body plans.

[@sandeepva6409]

First time I got satisfied in my life

[@xvy_edits]

“because i follow- i run a business, u think am a fool or what?” best moments 😂

[@theultimategamer8322]

Imagine paying 2 lakh monthly rent

[@shivanshtripathi6617]

meanwhile unwanted recession: " you have money for house? i am taking it buddy"

[@ytkundapurakannadacomedy]

Emotional damage 😂😂😂

[@indraneelperuri2320]

I want to break my phone by pressing the like button unstoppably for this comment.

[@ManoharReddy26]

For 9 crores one can buy 30 acres around 50-60kms close to city and build a big bunglow in it!

[@manojadarsh4752]

But can you get a loan for buying place?

[@manojadarsh4752]

But can you get a loan for buying place?

[@littlestar7458]

Kum logo ke liye sab loan sa hota hai hamare nahi

[@hreem1008]

Reddy!!!! The wealthy shudra that beats vaishya and kshatriya most of the time for his land bank

[@yuvrajmaheshwari9128]

​@@manojadarsh4752 You can get loan

[@SreekanthReddy22]

Mann, next level content 🔥🔥🔥 You should be in movies 😂

[@Jagdishtemkar1]

hehe, that last bit was a nice touch 😂

[@nomad4k]

Yeah I noticed that too. In India, the rental yield is very low compared the the price of the house. It never makes sense in India to buy some expensive apartment with the sole intention of making rental money. The only time that strategy works is in places where home prices are low and with multi unit dwellings.

[@swagger6166]

"becoz I follow Josh Otusanya"😆

[@_.jatinxarbc69._]

finance collab between influencer and podcast before gta6 ,dayum

[@DnyaneshB10]

🤣🤣👌👌 I love a lot both, pure gold 👌👍👏

[@flastythunder1181]

that twist Abey dhandha chlata hu is next level

[@cyrptolover]

Great to see u guys doing a collab.... more power to u guys....

[@krishnachandradas8386]

lol waterdrops on eyes with filter was very artistic.

[@topclips786]

Last moment superb 😂

[@lazor6526]

Mujhe nahi samajh me aaya 😅😅😅 Detailed video bana do

[@Anonymous_1803]

Raj bhaiya rocked 😎 Sharan bhaiya shocked 😱 😂

[@yeswanthneehar]

That ending🤣🤣

[@k.adarsh9543]

Ending😂😂

[@zohrisha]

Aw.. d ending 😭😂

[@devaorios5793]

can we also get an explanation short with normal sharan actually explaining what this means because I didn't understand a thing 😂

[@vktheja]

Yeah, can you please do a normal video on this. I really did not understand this video

[@raunaktodarwal]

The biggest problem is that people are not going invest the full amount of the money they save by paying only rent.

[@theguyinblacktux]

Love that Raavan mustache🤣

[@K-Square]

Bro.. I really love the way you give info....🤣😂

[@mouneshbelagallu91]

At last 😂

[@beautifulgoa8469]

That end!! 😂😂😂

[@DilipSingh-gn7jo]

Ending was priceless.

[@amitj.7548]

Attack on Titan 😁

[@funixle]

Last line is osm😂

[@devop2006]

Last wala op tha kasam se 😂😂😂

[@punkedcrap]

Where the hell did u get this 16 crore number from!!? And what about property appreciation value over time. Wouldn't it be a part of overall calculation??

[@dushyantsharma4410]

Vo mat puchho😂

[@patellubna8742]

i like ur chemistry 😘

[@Twitterrrr]

Entry was like....CID 😜

[@admlhehe]

That bulldog tho😂😂😂

[@mightymedico]

Very few people understand the concept of rental yields and take wise decision about buying homes. Even rare are those who can explain it beautifully to a layman. Sharan, take my bow.

[@lovelife0074]

Tum b fas gaye, yh jo rental yield ka gyan pel rhe h un sabke pas apna ghar "APNA GHAR" h...vinod babu

[@ankurtanwar8622]

Inflation laughing in the corner🤣🤣

[@sameelshamnad6142]

Pov: you invest in bonds and stocks Pov 5yearz later : 50% profit in 120% inflation.

[@Aegon_Targaryen]

*"Because I follow🗿🗿"*

[@arshanshaikh3175]

Sharan you are not only "Finance Man" You are good actor as well. Great Job You are always inspiring me. Thank you for that 🙏

[@anoopnaruto1901]

AoT 👀😹

[@anoopnaruto1901]

@Finance W-Sh.+𝟏𝟗𝟕𝟏𝟐𝟗𝟔𝟕𝟓𝟖𝟖 kya phook Ke aaya be

[@ashutoshsingh5878]

This kind of shit only practical when you have a well established business or a plan. Normally buying an asset is always a win situation.

[@ganeshadvg4377]

Dhanda chalatha hoon, mujhko sikhayega kya? 😂🤣🤣🤣

[@jikisamson1]

This is next level 👍🏼

[@thekidanurag8467]

thats some good analysis!

[@aninditaghosh2385]

🤣🤣 last ke aasu

[@bhupender2167]

I will prefer to buy a 🏠 HOUSE, because Investments and securities are subjected to MARKET risk. 👍

[@MandolinSashaank]

Considering short eviction notices, getting stuck with nasty landlords I don't think that risk is worth it, buy your own house and feel secure.

[@TheNeel555]

Jab bhi business tut ta hai tab ye log sidha road pe aa jate hai aise analysis ke bajeh se 😂😂.....fir newspaper me aata hai suicide story aur kaise family road pe aa gyi...

[@vishnuv1689]

😂 his face at the end

[@shrenikdoshi]

With the laptop, you forgot to "beep boop beep boop.." 😀

[@checkmate9337]

I'm already 40 now tell me what to do

[@jj9217]

Buy at 80, duh!

[@kitchens222]

@@jj9217 😂

[@g8672]

5 views and 6 likes? what shit is going on with youtube 😂

[@bulususaiaravindsarma9617]

You are the best man. Many copied ur video concept but none reached ur quality. Wow. I liked it.

[@jestondsouza3720]

Awesome ending 😂😂😂😂😂

[@bloodbathtrade1772]

Last part with the black and white background was epic editing

[@moulikarmakar3707]

I love this -"kya phook ke aaya hai bey" 😂😂😂

[@shreyanshmishra_cse_sstc8756]

😂😂😂😂this single short is the most interesting video of Raj shamani KZbin videos

[@agoodsongelu]

This was awesome.. Raj’s acting is good 👍

[@pranavkothe3978]

Dhandha chalatu Mujhe sikhayega.... 😂😂😂😂😂

[@naveenkandavalli6215]

Where you went while I was buying a home 😂

[@ninja2.o908]

Bruh last scene 😂😂

[@DaemonGaming001]

Why do you wanna buy instead of renting it costs more money Me - for freedom ofcourse

[@sandeepklmf]

Awesome.... Abe m dhanda chalata hu... 😂

[@mnaveenmohan]

Epic expressions! Humor and learning are intertwined.

[@pulkitkumar8161]

Gen Z will be homeless because of advices like this

[@amARI589]

this is the best one 🤣🤣🤣🤣

[@psychokid2146]

Abbbe mai khud dhandha chalata hu 😂 best part ...

[@sasuke_onii_chan6903]

My mom be like : ye sab kuch nhi hota Gareeb log rhte hai rent pe

[@adityaprabhakar7368]

This is the best short ever

[@anshulkr.0007]

Next LEVEL COLLABORATION LITERALLY 😅😅

[@abhaypratapsingh9531]

Last line dhandha chlata hu was epic 😂😂

[@krish1091]

Deep burn at last 🤣

[@Mathson_M]

The ending tho...this time was FRESH !!!

[@salonikantidwivedi9434]

Love both of you guys... the last line was simply hilarious 😂❤

[@KANHANETKING]

So funny to see you with bih Mustach... But you forgot to say Saaayeeeekkkkk 🤭🤭🤭😆😆😆😆

[@amitpareek2461]

The last statement was just amazing 😂😂😂

[@SkyLoreking]

You got owned sharan You guys are the next generation indian billionaires. No matter how many times I see this video, it makes me laugh well.

[@whaspme]

Reach me with 👆👆the what'sap line above for more information, guidance and consultation. Thanks for the feedback..

[@1925arch]

Epic ending 😂😂😂😂😂😂😂😂😂😂😂😂 Cant believe i choked laughing 😂😂😂😂😂😂

[@chetnalalwani8781]

Youuu botthhh aree myyy fav collab😍

[@shaikadnansaleem]

Owning a house gives you security. Money is volatile

[@DiganthsS]

Behind the scenes, they are watching house of the dragons lol

[@professorfactorykannada2418]

I don't know whether I learnt financial tricks are not by watching your videos,but I have definitely devloped a good spoken English skills 🔥🔥🔥😍🤩

[@rishuverma4513]

Abr mein dhanda karta hu best line ye

[@dheerajvarthi4657]

Great analysis

[@KannyValentine]

Those tears at the end. Wasn't expecting that at all. This is really impressive and hilarious 😂

[@rajashreeteli1332]

Last line was awesome

[@hrushikeshpanchwagh8821]

Thanks for the insights. How do we take rising property prices into consideration? Also, I don't have to make a choice between buy vs rent. For investment purposes, what do you recommend?