HOME LOAN EMI है अब तक का सबसे बड़ा ? |

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In the 21st episode of The Investographer Podcast, we meet Sanjay Kathuria, a Full time Investor and Finance Influencer. He opens up about his more than a decade long journey in stock market, gives lots of motivation for beginners and trading lessons regarding Intraday, Options, Futures and Stock Market Operators. This episode gives you a lot of insights about share market for beginners and how to trade and make profits in trading. He also talks about how he makes profits by investing in mutual funds through SIP, and following the principles of financial education and compounding.
Watch the entire episode to take your stock market journey to the next level.
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The Investographer Podcast Episode 21

[@nikkisharma5709]

😂Thnx for motivating people to rent a house... I own 4 house and get 2+ lakh monthly as rental income and my houses are never empty just because of you guys.

[@sanjays684]

😂

[@rohitbhati5805]

Well, that depends on your current financial condition, two people with same salary with different financial background have to take different decisions based on their conditions! So, no decision is correct or wrong !

[@RavindraSingh-pn9zn]

ha ha ha ... very nice

[@rohitmishra441]

Please saw the first comment you are lucky seems

[@peacemind2023]

Its not your house...its your father's property

[@AwatadeSanjay]

In 2006 I purchased a flat in Pune @12.5 L. Taken loan of ICICI Bank. Now the market price is 65 L. I lived there for up to 16 years and saved my rent, now earning rent.

[@alwaysonjob9317]

Are you in Moshi?

[@subm2455]

Exactly his point, the apartments these days are priced at a huge price.... Folks who bought apartments till 2020 made a good profit but in just 4 years prices are just ridiculous

[@CaptainU764]

@awatadeSanjay, when figures are big the illusion is bigger. 12.5L for 28 years with 12% will give you around 3Cr. I am sure you have brought it on the loan so invested amount is even bigger. rents must be super low In this flat plus the maintenance cost. I live in Baner, costing of houses is huge, compared to this sometimes I feel mumbai is cheaper. Lodha is launching 4-5cr project on a place where electricity & water is not 24x7. But ya, no amount is compared to mental stability. You did right in a way.

[@NitishYadav-lb7zc]

​@@subm2455 yess nowadays they price 3bhk apartments in tier 2 cities as high as 1.5 cr

[@realinterviewknowledge8473]

Who is going to pay 65L for 18 year old flat?

[@Deebroking]

Koi flat maat kharido.....loan pa....life zaand ho jati hai....apni wife gf ko dikana k liya flat kabi maat kharido....pichla 12 saal sa stress may ji raha hu...agla 8 saal loan pending hai......budda ho gaya may 50saal ka....jissa impress karna k liya tha wo bi buddi ho gai.....maat pocho life kaisi gujri hai.....jiss k liya kiya wo hi galli deti hai....😢

[@gauravaggarwal1983]

Bhai ghar rehne ke liye hota hai impress karne ke liye nahi. Makaan becch kar rent pe le lo 1 saal me samajh aa jaayega jab har month rent doge.

[@GeekyARK]

@@gauravaggarwal1983 correct

[@sagarnavale9055]

bhaiyya management needs to carry out with this things...dont feel painful now you can sell that home at market price and enjoy lifetime by earning intrest on that amaount

[@imran4006]

​@@gauravaggarwal1983 - Sirf 2 saal EMI bharke dekho samajh mein ayega😂😂

[@vrvlogs2468]

Tension mat lo brother sab thik ho jayega.

[@TheAbirindia]

The buy vs rent depends on the situation. Which city, property value, mental set up etc. Mobility is also subjective. Your children, your family will not be happy to shift from here to there in every 2 years leaving friends and family behind.

[@yuvrajguptaofficial888]

8:10 I don't agree with him 20 saal emi doge ya fir 20 saal savings kroge aur intezar kroge apne gharka + rent bhi dete rhoge Itna mota Paisa ekhatta ho nhi pata hai kahi n kahi ghusta chla jata h Iss se acha h loan lekr emi krte rho

[@indianagriculturist7587]

20 years bad price hike bhi dekho

[@nagar4u]

if you have discipline and can invest your money and if that can groww then you will be in profit

[@AayushSharma-lr9tj]

Isliye investment aur sip important h

[@faisalbhat9858]

Right bro. I agree with you😊.

[@prakashchavan65]

Bhai ka 2 lakh salary tha.... 10k...20k salary me 20 saal kya 50 saal saving kar k bhi ghar nahi kharid sakte

[@nikhil2049]

It's a much-needed video...keep motivating people to rent a house after all sab rent karenge tbi to owner rent bada paega....🤣🤣

[@saurabhawasthi7280]

घर खरीदने का पूरा गणित भारत में उपस्थित 650 जिलों में से मात्र 20 जिलों का है। उदाहरण के तौर पर इंदौर शहर में प्रधानमंत्री आवास बनाए गए हैं नवनिर्मित फ्लैट आईएस 6 लख रुपए से 28 लख रुपए तक में 2 बीएचके एवं 3 बीएचके मिल जाएंगे। एक करोड रुपए per acre में 650 जिलों में से 400 जिलों में तो मिल ही जाएगी। 1 जमीन में तीन जेनरेशन आराम से खप जाएगी। आपके द्वारा बताया गया संपूर्ण मैथ्स केवल मुंबई शहर वालों के लिए है एवं गुड़गांव जैसे शहरों के लिए।

[@nitinpatel8765]

Correct

[@bhugai21]

Sahi kaha bhai.. inhone kabhi gaav dekha hi nahi he shayad.. jaha pe aaj bhi ghar se jyada insaniyat ko mehetwa diya jata he

[@sagarkulkarni1423]

Self owned home gives sense of security... We should atleast have one house for ourselves.. If we can afford we should definitely buy one

[@KN38277]

I am on 25LPA job... I bought Home of 53L 2BHK in Wakad, near Hinjewadi IT park, With 42L home loan for 8 years with 60k EMI, 2 years completed, now I see rates at 80L-1 crore for 2BHK,but I am not reselling it. This will be my last real estate. Currently saving 70-80k every month, after 6 years, will save 1.5L every month.

[@praveshrawat3554]

whats your age

[@KN38277]

@praveshrawat3554 29 now.

[@shibooster]

Glad you commented else this video was only about not buying flats

[@KN38277]

@@shibooster these people don't understand that after some years, there will be no new launch in your favorite location. These influencer earning just by podcast. So they don't have fix work location. But normal people has fix work location. We don't want to stuck in traffic.

[@KN38277]

@@praveshrawat3554 I am 29 now, my plan is to be debt free by 35... I have second hand cng wagon R, and not buying car now. My priority will be to clear home loan first. Because in Feb 2025, new budget, direct tax code will replace income tax, and all deductions are going to get remove. So no tax benefit on home loan now.

[@MrKiller356]

Let me tell you something. My father invested in HUDA govt scheme of flats in gurgaon and was alloted a flat. The total cost of flat was 10Lakh around 2005-06 The amount was supposed to be given in emis as he invested through bank. Cut to 2019. Me and my brother were also earning. We bought a land and built a house worth 1.82 crores in panchkula. Took a loan of 60L from hdfc and all 3 of us invested all our savings in it. Including the retirement money of my father which was major portion. The flat is recently sold at 1.30CR. The house current cost in market is 3.20CR The house has a passive income of rental which is 13k per month as top floor is rented out. If we were living on rent, we would still be paying rentals with constant bickering and interference of owners. BUY and BUILD property for yourself and screw these guys. Because they'll make money and buy property for themselves to keep you guys on rent

[@anandmukherjee2073]

In India owning your own house is a sign of prosperity. If a young guy goes for marriage the first question being asked by ladkiwale ki kya aapka apna ghar hai. In that case if you say that you dont own a house even after 10 years of job your reputation as an attractive match reduces considerably. Nobody in India wants to hand over his daughter in a rented house. In India having an own house gives a prestige in society. Secondly your loan emi should never exceed 50℅ of your income. Always payoff the principal amount whenever you earn any incentive rather than going out for a vacation or buying extremely costly consumer durable instead of a cheaper one. Financial discipline in life would help you in loan redemption.

[@Ajaaykumarpal]

A powerful video showing how middle-class families gradually fall into the EMI trap, turning dreams into lifelong burdens.

[@riseup2227]

This is conditional. I bought a land in 2018 for 80 lakhs today people are asking to buy it for 2 cr. I took a loan of 44 lakhs to buy it. If I keep paying EMI for 15 years off course I won’t make much profit even if the land appreciates. I did part payment over and above the EMI. The loan is still 10 lakhs left today but I m still siting on a good profit. You do the calculations. I bought another land in 2019 for 60 lakhs today its worth is 1 cr today. If I sell it today I can do construction on the other land. And get rental income from 3 floors. Buying property is like picking stocks. If you buy a stupid property like a flat in tier 3 city, it’s not going to appreciate much. If you invest in upcoming projects like smart cities which are going to create jobs and bring end users the property will appreciate a lot. Also if you take 80 to 90 % of loan and your salary is so low that you only pay EMIs and nothing above, and property also is not a good pick and won’t appreciate much, then you have put yourself in a difficult situation. Buying a prelaunch property from a reputed builder and selling it in few years after RERA is approved and other such tricks can help you make some money. Emotional buyer in real estate buy over prices properties at saturated markets hence they suffer.

[@shahbaztherealdude]

@@riseup2227 land very rarely depreciate in value even in tier-3 cities. In fact the risk is not if the land value will go down rather land itself will be encroached

[@Spidhey]

Buying land in 2018 for 80 lac. Today worth 2 crore. That is 16% cagr. Mutual funds have given 30% bro

[@riseup2227]

@@Spidhey? That’s 250 % appreciation in 6 years

[@riseup2227]

@@shahbaztherealdudewe are not talking about farm land ki koi kabza dal dega. DLF ki society ke andar RERA approved plot, papers apke aur builder ke pas even without registery is safe.

[@shahbaztherealdude]

@@riseup2227 wohi to ham bole. The point is land is very safe and may never always depreciate in value.

[@ankushchavan9467]

Rule no. 1 --> take EMI of Home double of your current rent which you are paying so that by the time it will nullify your rent and all EMIs which you paid will be same like rent only(and property to ban hi rahi hai) Rule no. 2 --> dont buy CAR on loan take time of 5 years and do SIP for it and sell that SIP when market is at peak at 5th year and take CAR of that money only what ever is amount (SIP amount shoud be same as your dream CAR EMl in this time for 7 years) Rule no. 3 --> Enjoy your life yar, jindagi ek bar hi milti hai

[@Unknown-yv7xy]

Rule no 4 - 3 babies zarur Karo ....no money can compensate this happiness

[@dharmendrakumarjena7587]

Rule no. 5. Kuchh baten sunne k liye achhe lagte hain. Haqikat me scene bilkul alag hai😀😰

[@EchoesOfWisdomMotivation]

@@Unknown-yv7xyjis hisab se ye desh aage jaa rha h usko dekh k koi 2 baby ko acha education aur happy life provide kara le wahi bahot h

[@avadhutekalWealth]

First' keep in mind Buying home is not a investment it is emotion Second buying home by saving money is not possible for middle class Third is each and every person has different financial background so everyone cant fit in every rule Fourth is SIP is Best but self House is MUST so manage both things simultaneously without fevereing House 🎉 Thanks

[@SandeepKulwade]

Buying house for self use is always better.... The trick is how much emi you want to pay... Dont commit more than 20% of the income towards EMI and Loans liabilities... Always contribute 30% towards investments and remaining towards exp. Most people fails here, they dont plan on how to service loan liabilities.. Dont commit 40% of the income towards EMI

[@Humanitysanathan]

My friend bought flat in 2022 with good amenities @60lak with registration in Hyderabad. With loan of 30lakh. Now his flat value is 86lakh. In just 2 yrs 26lakh profit. Rent income is 35k. 😅

[@gs9489]

What about your children school? How can u keep changing home again and again? Finding good home on rent is not easy.

[@govindckumar]

India real estate prices are very inflated due to black money and all...soon this will be corrected as well like happened with china real estate it cannot go hire and hire continuously

[@chaz-e]

People said the same during demonetization but nothing happened, the real estate economy will never burst in India. Reason: supply vs demand, 135Cr people in a scrunched piece of land.

[@vonap1]

Kash jaldi ho ye aam Aadmi ke range se kaafi upper chala gaya hai ab sapne bhi nahi dekh sakte

[@vonap1]

​@@chaz-echina also have same dense population nd most important not more than 2% people earning 1lkh monthly how he pay emi tell us

[@evensaj]

hearing it since last 30 years

[@subhashs797]

ये सब ज्ञान की बात कुछ लोगों के लिए है l जिनकी जॉब परमानेन्ट है और आस पास ही नौकरी रहेगी तो आपको समय रहते अपना घर ले लेना चाहिए चाहे उसके लिए लोन भी क्यों ना लेना पड़े l बस इस चीज़ का ध्यान रहे कि आपकी ईएमआई under कंट्रोल रहे l कीमत बहुत जल्दी बढ़ रही हैं, कुछ दिन बाद देखोगे तो कीमत आसमान छू चुकी होंगी l सबसे बड़ी बात अपना घर आपको आत्म सम्मान देता है l सबकी अपनी अपनी समझ l

[@khajapir]

Currently all market business are running shows to rent houses....if everyone will have home there is less competition and less business...at least you should have one your own home in life...after that do anything...dont take high cost homes.. affordable and which you can clear within 10 years

[@coolmanoj]

The key to success is by upgrading skills & using your knowledge & wisdom for the betterment of tomorrow.....🎉

[@sumitmadaan6524]

Yeh logics har jagah apply nhi hote Maine khud plot buy kr ke 75 lakh mai 2 floors ka ghar banaya and 30 lakh ka loan uthaya jiski 27k with insurance emi ja rhi jo ke first floor ke rent 20000 se nikal rha mai. 7000 khud dal rha hoon. Ab 3 sal baad ghar ki keemat 1.3 cr ho gyi hai and rent bhi badh rhe hai. 2026 tak meri emi 27k sirf rent se jaygi and ghar ki kremat bhi badhti rhe gi. Is ke logic kuch specific case mai thik hai.

[@ketanmhatre1712]

Par bhai us ghar auto mode par gaya to bhee tuja kiya milaa 50 saal k honay k baad bechga to us paisa ka karega kiya ?

[@sumitmadaan6524]

@ketanmhatre1712 mujhe apni sari life rent par rehkar owner ki jhik jhik sunne ko nhi milegi. 50 year par mai retirement plan kr skta hoon. Tab rent double se bhi uper nikal jayenge. Rent as a pension milega.

[@siddharthmalhotra1623]

Apni emi ko or kam krne ke liye aap loan ko other bank me transfer kr sakte he jisse roi kam hoga or emi bhi

[@himeshnagar707]

Sochke to bolo ki kya bol rahe ho.. uski property free ho gai aur shanti se reh raha he bina jhik jhik ke.. sabse bada aaram hota he ki sir pe chhat khud ki ho kisi aur ki rented nahi.. ​@@ketanmhatre1712

[@geopoliticswithhistorygeog1441]

Iske logic ghanta sahi ni h jindgi bhar rent dete raho aur uska koi return ni

[@Alchimist_]

Finally someone's really talk about it He exactly said what ever root cause of current slow down 👇

[@pyarelalchugh2327]

The poodcaster is fool. Suppose You pay rent 30000. That goes on increasing but EMI remain same so just by paying rent one can become owner

[@Gaurav-world-of-fun]

Having your own home is a not just a mathematical calculation, it has lot of emotions to own your house, just to say ki yeh mera ghar hai , is a different feel altogether, you can't live like Banjara ...

[@ManishMishra-v8q]

Agreed 💯

[@nagar4u]

Bhai saab loan leke stress free hoke aap reh sakte ho to accha h

[@saikatsarkar288]

😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂

[@agentindia1988]

This podcast is all about just not be emotionally triggered. If you head the family you cannot afford to be emotional Animal.

[@mirzainabbas6122]

Bhai tu itta emotional mat hua kar 😂

[@shivanvpd]

Such videos are needed to keep my 4-story house occupied by tenants all the time. thank you, thank you!

[@dranurag22]

If you dont buy now, it will be impossible to rent in future...salaries are not keeping up with rent....i am very sure rental yield will increase in future...i am talking about cities like Pune, Bengaluru... not nabout small city ... and there may be situation of rental crisis...so own it before you lose opportunities

[@amitamit-lr5sh]

sir with black shirt has a great sttitude.the way he speaks so frankly, so detailed, so practical, i realyy like..salute sir

[@sunitization]

Dont fall in this trap. Use your brain and calculations

[@avinashkandoi2145]

Bohat generic bol raha hai, no value in this postcard. Totally waste of time. Ghar lena hi hoga. Every year rent increase ho raha hai. Koi predictability nahi ki kitna badhega. Sabse important point agar aapka rent equal to emi ho jata hai, better hai ghar kharid lo.

[@RohitOneWho]

Are yahi to goa hi dekh oo jab price badh rahe sab nade log influencer Sab to ropa diya khud bech chale gaye lya hi seen he . Abhi yahi ho rha 5 ot 10 yers Property gold jese hi hone wali City are me Rent se acha hi he kon dega Well meri permanent job nHi warna House flat best priority honi chaiye pehle

[@shailooo7]

Bilkul is type ka gyaan vo fraudiya ashneer grover bhi deta tha. Khali bakchodi hai ye aur kuch nahin

[@pallabkumarpal]

He is a first-class idiot, full waste video.

[@MasterinTechnologywithAjay]

I understand Avinash bhai your point, but buying a home on a loan can be emotionally draining. I took one, thinking it would secure my future, but the constant EMI burden and financial stress made life difficult. The mental toll, job uncertainties, and unexpected expenses often outweigh the joy of owning a house. Renting gives flexibility, while a loan ties you down. It’s not always about "rent vs. EMI"; the emotional cost can be much higher.

[@youarenotthisbody6017]

​@@MasterinTechnologywithAjayAll your EMIs (home, car, etc.) must be less than 40% of your monthly salary. If you're going above that, you're punching above your weight division. Then either buy a cheaper home/car, or increase your salary and then buy. Anyways, always focus on earning more, rather than just doing 5k SIP your entire life.

[@bhupesharekar5039]

👌🙏very very useful information,thanks

[@gursharandhillon2931]

I constructed my house 25 years back and now constructing again (for children). Normally people say everything will be at least 10x in 25 years but not true for construction material. Land price is exactly 10x. Labour 35/sqft, now 175 Bricks 1500/1000, now 6200 Cement 140/bag, now 360 Steel bars 1300/Qtl, now 6000 Material and labour cost has just increased 5x😊

[@RohitOneWho]

India me samzhama mushkil he behlana asan

[@AmitChauhan-fv5mf]

@@gursharandhillon2931 it depends how you construct your home. 25-30 years back no body use to focus much on building strength. Usually most of the houses were single storey or maximum double storey. Now you can't construct more floors over that same house if its structure is not good enough. Otherwise you can simply renovate the house and live in the same house for another 10-15 years. And when it's come to construct cost, yes it will increase due to inflation. 25 years back 10000 were good enough to run a family of 5-6 members but nowadays same family would struggle to survive in 70-80000 per months and that's why labour is also increased.

[@RajYadav-ti7rc]

Perfect Answer

[@trira1171]

Whats the total building cost per Sqft? plz...

[@sktsinghal]

Very well calculated the truth.

[@rajtribhuwan3290]

Excellent video 👏🏻👏🏻

[@Voiceoffrealty]

बाकी का तो पता नहीं, पर ये मकान मत लों ये चुटियापा है । अरे भाई emi भर रहे हो तो जगह कि value भी तो बड़ती है । मेरे एक दोस्त ने 15 लाख का प्लॉट लिया 25 लाख लोन लेकर उसपर मकान बना लिया । टोटल खर्चा हुआ 40 लाख ओर अभी 2 साल हुए है उसकी कीमत आज की date में 90 लाख है तो भैया कौन सी ऐसे इन्वेस्टमेंट है जो ऐसा रिटर्न देती है ।

[@हरियाणे_वाला]

Ye isko samjh nahi ayega.. or. Sabse badi baat apna ghar apna hi hota hai

[@rishikeshmitragotri1511]

Jitna return aya hai utna hi interest de doge aap....longer run mein

[@Voiceoffrealty]

@rishikeshmitragotri1511 fir to Ambani chu..... Hai jo duniya ke sabse mahnge ghar me rahta hai. Isse accha to koi company khreed leta.. bhai loan bhi usko milta hai jiske pass kuch ownership hoti hai .....

[@VIKASSINGH-on7bv]

Sell nhi kroge.... feeling me rahoge

[@Voiceoffrealty]

@VIKASSINGH-on7bv same to same शेयर का भी है । लगता है अभी ओर बढ़ेगा पर पूरा पैसा डूबने के बाद होश आता है । ओर शेयर बाज़ार अमीरों का बनाया जाल है जिसमें मिडिल क्लास फंसते है । अमीर खुद अपना पैसा प्रापर्टी में इन्वेस्ट करते है ओर कंपनी शेयर होल्डर के ओर बैंक लोन से चलाते है । 🖕🖕🖕🖕🖕🖕

[@Iam_AkhilKapoor]

4.5 cr. ke ghar ka rent 75k only. But 1 cr. ke ghar ka rent at least 30k in Kolkata. Rent is cheaper in expensive properties only

[@asharma1775]

So its lesser than fd interest of 1 cr . 7 lakh annual

[@abhijitkhopkar1500]

@@asharma1775 Rent will keep on increasing alongwith property value. Your FD interest won't keep growing and principal will deteoriate to inflation.

[@kunalbanerjee5562]

Yes it's true. In Kolkata low budget flat rent is higher

[@abhijitkhopkar1500]

@@kunalbanerjee5562 As a thumbrule buy a good and big house for your own consumption. Buy a small size unit for investment.

[@ArjunKumar-ue7jz]

But not in Mumbai.. 1 cr house rent is 40k plus.. better to take loan of 40 lakh and pay EMI.. because you'll not get loan for buying stocks but you'll get for housing..

[@kark3192]

14:40 onwards makez sense . Invest on yourself. . Its right. .

[@mohankoli9971]

Sanjay sir bas big boss mat jana I like your attitude 😅 Thanks for your advice

[@abhishekmittal2185]

आप लोग इतना पॉडकास्ट करते हो पर ये साफ़ साफ़ नहीं बता सकते की कौनसी कर पर आप खुद ने कितना डिस्काउंट लिया है ताकि कोई दूसरा आदमी भी उसी रेट पर कर खरीद ले तो फिर ये पॉडकास्ट दिखावा है क्यों कि अगर आप सच में फायदा चाहते तो कार डिस्काउंट वाली बात खुल के share करते

[@SureshMenon-c9x]

If you're not financially prepared to purchase a house or flat, kindly avoid the comment section and simply enjoy the podcast-it might provide some mental satisfaction. For those who are financially well settled, feel free to explore the comment section, which is filled with real-life examples of the benefits of purchasing a house or flat.

[@AmitChauhan-fv5mf]

En capitalist k chakkar mein mat aao..ye tumhara paisa mutual fund mein sip krate rhenge aur khud silently real-estate mein holding bhadate ja rhe h😂

[@RohitOneWho]

Yep freeh example goa ka 🥶🖤 Kya ch@u banaya itna galat seen ki kya bole

[@ranjitkumarmallick3026]

Bilkul sahi bola bhai😂

[@kuldeepkhichi9220]

Ye log real estate m invest kar rahe h kiyu??? Because inhone market se sip se phele hi wo kama liya jo invest karege real estate m , jab meri saving hi 10k₹ h to m ghar kese lunga but wahi agar m ye 10k₹ invest kar dunga to 20-30 years m acha sa Ghar bina kisi tension se le lunga .🗿 Sahi h aap jese log inpar vishwas mat kar taki ye ham jeso k liye acha h aap nahi samjhoge tabhi to ham paise waale banege .

[@rajatsinha6]

Iski baat mat sun jaldi se 2 cr ki flat lele loan lekar

[@AmitChauhan-fv5mf]

@@rajatsinha6 2cr hote toh jarur leta...but flat nhi plot😎

[@mrs9305]

Tip for interviewers. Don't say hmm hmmm oh or anything. Just nod your head. And open your mouth only for asking questions. Besides that no reason to make any noise.

[@Abhimanyu-lj1uj1ou4o]

मैंने 40 लाख का लोन लिया है 20 साल में देने है 60 लाख और आज मेरे मकान की कीमत 1.5 करोड़ रुपये है 😅😅😅

[@abhishekbhagwat5285]

20 sal me 40 lakh ka 80 lakh dega . Aur ghar to 40 ka nahi hoga .. down payment Kiya hoga, stamp duty , taxes, मेंटेनन्स 😂😂 .. आ जके वो ghar 1 cr tak chala hi Gaya .. to 20 sale me 20 lakh rupaye kamaye to kya kamaya 😂😂

[@Abhimanyu-lj1uj1ou4o]

@abhishekbhagwat5285 3 साल पहले लिया है लोन, 20 साल में total देने है 60 लाख, 29000 per month के हिसाब से, अब फायदा है या नुकसान

[@abhishekbhagwat5285]

@@Abhimanyu-lj1uj1ou4o ji nukasan hai dost. 70 lakh doge aap 20 sal me. Teen sal me 40 lakh ka ghar 1.5 cr ka ho gaya kaunsa property hai bhai .. itana 3 Guna ho gaya 3 sal me

[@mihirgameryt5801]

Bhaiyya aapka decision good hai because 20 sal me ghar 2 cr ke uper jayega so donk take tension ​@@Abhimanyu-lj1uj1ou4o

[@ranjeetd90]

I have seen house owner asking tenent to vacate house with one month notice even though tenent is paying the rent regularly. So, its better to buy house after you secure yourself with emergency fund, medical & term insurance and enough money left for investment after home loan EMI payment. Have at least one home which will not stress you to the limit.

[@rohanverma5318]

Main aaj se 5 years pehle yehi sochta tha.. bilkul galat soch hai.. 1. Jo ghar aaj 4.5 cr ka hai woh 20 saal pehle 1cr ka bhi nai tha. Iss hisaab se 20 saal ke badh ye ghar around 15 cr ka hogga minimum. Tab apki saving 5cr hoggi at max 2. EMI hoggi toh apke fatlu ke expense nai hogge. 3. EMI utni hi lo jitni easily de pao. EMI should be equivalent to rent + - 10%.

[@SweetHeart-zm9kw]

Har baar chutio ka maan na kis ne kaha he bhai … do as your calculation warna ye Ambani ma hota 😂😂😂

[@saikatsarkar288]

😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂

[@cursed2play]

Bhai, as per your calculation My rent : 22000 Emi : 25000 Property i can buy : 30Lakh 30lakh me kya milega tier 1 city me Jaha me rhta hoon, us flat ki price 1Cr hai Real estate is not worth investing, dont know if it would yield good return, but its definately not affordable

[@mastmaula529]

EMI rent se almost double hoti hai bro. Kya phuk ke baitha hai. Emi rent ke equal hoti to kon chu rent dega.

[@youarenotthisbody6017]

I thought sahi bol rha h bhai.. but point #3 me 💩 diya bhai tu 😶😂

[@shreedharganagi7786]

Nicely explained ❤👍

[@JsJ.s-t3l]

Kuch deno mai bolenge ki khana khana bhi scam hai... Subhe waste ho gata hi 😂😂😂😂

[@Hindusthani_108]

This is hidden truth of home EMI.. very useful & informative conversation..

[@raghuomfs]

Problem is that they are giving birth to 4 to 6 kids, & seeking help from govt, 1st govt should make a rule that more than 2 kids , no ration

[@themboys304]

No kid rule for people who can't sustain themselves . If you are govt. Liability how did you come up with the math that you can afford kids? No right for giving birth to kid who will suffer without any fault of his own.

[@RohitOneWho]

No man im also poor my house is made of mud my great great grandfather made Well for some bad reason im living even in this old mud or Bengaluru old style house U know just but in my whole vilage 10 of 9 people are 2 or less kids 1 of are 3 4 is bizarre to see im not see at leat in my view 4 kids ik not see Resoen is 1 is kid even now want to be boy in not 2 not 3 After most of 2 kisd stop but some really very few 10 out of 1 2 only go to 3 Amd most of fear living expenses yep living In rural area is also bad One man cant be enough to feed 1 wife 2kisd if add education medical and that stuff But yah we also have some advantages but now it's being no use nowadays prices are so high Yep problem is gov can not able to provide Job Its reality Like china thre also pro in that field they have large market to sell outside But in india we can also have our owe country but we dot have money or that infrastructure Like business Belive me large number can't be settled as job like usa Europe Because 81% are lands of agriculture and big farmer can survive but small is no way man women amd 1 kid is barely enough

[@tulsiahuja4752]

VERY NICE WE CHOOSE TO BE ON TAXPAYER SIDE. EXCELLENT THOUGHT

[@Cricketkeda28]

Wow epic man, mostly the discussion on home loan

[@arjundas4277]

Indian people dream for their own home since their childhood and Banks have made it easy. In olden days people owned their home once they retired but nowadays people make their home when they start the journey of their life. I purchased a plot of land in 2001 in 7.60 lakh and constructed in 90 lakh by availing Bank loan and the same property valued at 4.50 Cr. today, only I used to pay the EMI on-time and get the tax benefits.

[@theewanderlust.traveler]

Ye banda 20 saal baad bhi 10 Cr nahi bana paya- Crore plus income mai ab tak toh iske pass 15 20 Cr hone Chahie thain

[@User122-ls2cd]

Insane tax and high cost of living hata do to hardly 20-30 l bacha paega

[@Sudarshansridhar]

Nice discussion. There are pretty good points to note down

[@moviecloset8868]

Y3 sab bolne me thik lagta hai, jab land lord bagata hai ghar se tab samajh aata hai ki apna ghar apna hota hai

[@SuperArindam1982]

Apna ghar nai bank ka ghar jab tak loan na paid ho. Rent ka ghar ek nai to dusri mil jayegi, loan ka ghar na chodte banega na bikte

[@moviecloset8868]

@SuperArindam1982 bhai, sab yahan job kar rahe hai aur hum middle class log jeevan bhar job he karenge, loan leke he ye sab possible hai. Paisa kamaya jaa sakta hai per memories nahi dubara banegi, jo waqt chala gaya wo nahi ayega. Aur 99% businessman loan leke he itna bada bana hai. Saving marke nahi.

[@generalthoughts123]

​@@moviecloset8868toh lo loan unffordable cheeze

[@SuperArindam1982]

@@moviecloset8868 Agar sab loan leke bade ban jate to job ka craze nai hota. Tata Birla jaise ikke dukke hi hai, loan leke dubne wale hazaar. Mai loan ke khilaf nai hu but utna hi lena chahiye jitna afford kar pao, agar rent aur EMI almost ek jaisi hai ya 19 -20 hai to matlab banta hai nai to nai. Ab owner ke chakkar me loan trap me nai phas sakte na, bahut ghar mil jayenge rent par. Kal aap bologe yaar TT gali bak raha hai chalo train Kharid lete hai. Mai bhi wahi bol raha hu life ek hi baar milti soch samajh ke invest Karo, jo paisa emi me doge usko kahi aur invest karke crore Pati bana ja sakta hai aur nai to loan lekar middle class hi reh sakte hai. Jo flat hum kharidenge wo humare bache ko bhi pasand nai ayenge. By the way maine ek flat liya hua hai jiska loan maine kisi tarah band Kiya, na use ho raha na bik raha hai. Maine decide Kar liya hai retirement ke baad ancestral ghar me shift karunga aur is chakkar me na padunga. It's your life bro, you decide accordingly what is right or wrong.

[@sunitization]

Phir ghar rent par milta bhi nhi hai 😂 landlord can evict you even if you paying rent on time. If you paying emi on time bank wont buzz you.

[@Saibeti]

Very informative....Thankyou

[@rahullbwn]

Adopting a kid is cheaper instead of having your own, so remember always rent a Kid😅

[@astrogopi]

Brother, it is absolutely right. You should definitely adopt it and your wife will also be happy with it.

[@TauroChuck]

Yeh badiya tha guru😂

[@sunitization]

Adopt when he is about to get job 😂

[@ranjannegi6]

Rent ke kid ko bhi education deni padegi 😂

[@asyajyotish]

VERY TRUE MR SANJAY ... VERY LOGICAL PODCAST♥♥♥

[@subodhshah6884]

भाई मैं 2 लाख ब्याज दे रहा हूं साल भर का, 31 लाख का लोन लिया है ऊपर से बच्चे भी बड़े या शादी लायक हो रहे है कैसे मैनेज कर रहा हूं मैं ही जनता हूं ।वाइफ का सपना था आज वही बोल रही मैने बोल😢😢 रोऊं या 😂😂

[@siddharthmalhotra1623]

Apne loan ko transfer krwao Or suchna ke liye sampark kre

[@Kumarsuraj800]

Home sell kr do paise ko invest kr do mf ya stocks me Uske bad emi dete raho easily risky hai magar agar tum smart move lena chahte ho le sakte ho

[@viveksagarpandey6627]

Flat - appreciate hota hai, no doubt. It's a myth ki uska rate nai badhta. But it's a function of locality ( as MF is with market and all the world) + Maintenance jaata hai apke deposit se. I am talking about pune Car: aap cash leke jao, aap gold leke jao aap crypto leke jao ya loan leke jao. Dealer have nothing to do with that. car nai bik Rahi discount lo, car demand me hai 0 discount ya black me uper se paisa do. Car rental: ola uber and zoom car ke rate dekh lo. Zoomcar ka 24 hour ka trip will be equal to your 1 month ka EMI

[@Proud_banda]

My plan: Invest in good MF until my corpos become 60L/flat price equivalent at the time of purchasing flat/property put down payment from pocket. Rest should be loan for 30 years and swp of equivalent amount. Benefits 1. I dont need to worry about EMI 2. My investment keep compounding 3. I get my own house Disadvantages 1. It takes time to build corpos (price might raise) 2. If market goes down i might need to pay EMI from my pocket (dont want to withdraw money when market is down) Overall this is good plan if executed properly.

[@sumitnimawat7408]

Financial literacy is very important to all indians

[@nihardongre8657]

अब ये नया ग्यानी आया है.......

[@TheWaqqasMalik]

galt kya bol rha hai?

[@premchaudhari1877]

Sahi bhi kya bola isne....Ghar mat lo enjoy karo😂😂😂​@@TheWaqqasMalik

[@vaibhavphadke644]

Bhai, sunane के liye bohot acchha laga. But real life me शादी karni he to agar samne vali ladki कोण ye gyan denge to aaj ke time me akela hi rehena padega.

[@profitpartner]

Ye to hai bhai Liquidity is king

[@parth1511]

Ekdam sahi kaha aapne, maine 30-40 ke beech jo bhi kamaya sab kharch kar diya , jiska ek maatr karan credit card tha hamesha gair jaruri cheeze leta raha . Aaj mere paas kuch bhi nahi hai . Ek flat hai wo bhi emi pe chal raha hai . Bhai sahab bahut achhi seekh de rahe hai. Aap log mano , kabhi bhi loan pe kuch bhi mat lo . Na ghar na gadi aur personal loan aur credit card to ekdam nahi .

[@SH-em2eu]

Government and politician are worried about their own interest.

[@soulspirit3422]

Thats very true. Dont buy house at younger age. INVEST IN YOUR SKILL DEVELOPMENT.👍

[@karanbhola5444]

Maine plot liya hai aur ghar bana raha hun 34 ki age mein

[@bassworld5279]

Konse gaon me?

[@karanbhola5444]

​@@bassworld5279zirakpur near chandigarh

[@sunykumar203]

किस्मत वाला होगा तो गांव में बनाएगा साफ हवा और साफ पानी मिलेगा उसको

[@CypressXP]

Buying flat and buying plot are two different things. But right now , people buy houses more than one which is wrong at this time. You can do better investment

[@atifimtiyaznazeer]

Tax bachana hai, to Home loan lena hi prega😂😂😂nhi to har sal 1-2 lakh tax extra dena prega

[@peeyushvasistha]

You can not buy a home buy saving in any developed area. Reason is simple Price of property 1 cr You're saving 10 lakh You're saving grows at rate of 20% and property price by 10% After 14 years property price 4 cr and your saving stands at 1.6 cr

[@ravik4034]

That’s why many good salaried person unable to purchase land or home.

[@letsknowu]

Loan leke extra pay kar sakte hai principal amount ka........ Mutual fund promoters

[@dharmeshdave7053]

Excellent podcast like it

[@stackblogger]

I’m on 46 LPA job. Bought a MIG home in Noida of 57 lacs in mid 2020.. Now it’s value is above 1cr.. I took full amount loan (that time salary was less) in the form of personal and home loans.. I am making part payments now and will complete the loan in next 2-3 years.. I saved rent plus some amounts in tax.. And then will buy other real estates.. One thing I found here is piece of living.. during rent, I had to switch homes many times and I was not allowed to modify anything according to myself..

[@bbvijayant]

Its wrong , buy a Flat which is equivalent to your rent .. you save on your rent + tax exemption and flat / property / land increases . In Delhi Ncr flat rates doubled in last 2 years and rent is going 30 K + for 2 BHK + brokerage + deposits and availability

[@sameergoyal1980]

Sir maine 2 bhk Nov 23 me rent par diya tha 18000 me and this year rent increase in Gurugram rapidly and the same tenant offer me to pay 25000 because rent are somewhere in the range of 27-28000. Finally I agreed for 26000. Now u see the increase in rent. 33% in just one year. Salary increases in the range of 5-8%. Also flat value increased from 35 to 80 Lakh. So when u will think to buy after 10 years , you will not be able to buy and at the same time you have to compromise on rent demand or every time move to other inferior location to cop up the increase rent

[@peeyushvasistha]

Only one point buy a small home first in some good area and then keep it updated as your income grows.

[@devangbhatti1260]

S2

[@abhijitsardar4322]

It is partially right. 2007 main ek flat ka price 7 lakh tha avi same flat ka price 35 lakh. Vai flat ka EMI 35000 hain tho first 5 to 6 year pressure hoga... after 6-7 years valuation of 35000 will equivalent to 17500, after another 6-7 years equivalent to 8750. So, EMI reversing and price of flat increase rapidly and land super rapidly.

[@pancham4743]

Rent 20,000 . Kaun se sadi mein ho. Aaj kal Bangalore mein PG ka bhi 15,000 hai.

[@MrSatadal]

I stay in one of the siddha group's complex in Kolkata, 3 BHK, 1400 sqft with all amenities.. Rent 20K PM

[@sagarnavale9055]

yahi toh dikkat hai in logonki bhram me dalte rahte hai

[@sagarnavale9055]

@@MrSatadal its will far away from all prime locations

[@MEHUL.BHARVAD9026]

Hamare Ahmedabad main to 30+ hai

[@sohanmishra9155]

Delhi ncr me kai locakities hain jaha 20k me 3bhk mil jata hai. Har koi gated society me hi nahi rehta

[@Comment_Man123]

Despite the overwhelming criticism, I completely agree with him. Resale flats offer no value. As buildings age and the previous builder has already utilized the full FSI, there is no potential for profit in redevelopment. Moreover, old flats lack modern amenities.

[@kumardassani3459]

75 k rent on 4.5 cr house. Rental yield 0.17%. Itna kam rent kaise ho sakta hai. Normally it is in range of 2-3%

[@myrohitc100]

Ye MLM waala hai 😂

[@vivekkhadpekar4227]

Mumbai me 50 lakh ke ghar ka rent 24k 25k hai inka kuch suno mat

[@velociraptor7110]

Very informative video.

[@RajivKumar-zv2gh]

ये यूट्यूब यहां कुछ भी बोलो कोई तो सुनेगा ही।।

[@harishtiwari109]

Bevkuf aadami jo ghar Aaj 1 karod KA vah 20 sal bad mein 5 karod ka hoga Na

[@ibrahimpasha5872]

Mind Blowing 😮 Hindi sir aapki Bapre Baap 😮😮😮....super sir mujko ko ab fuzul karchi se bachneka idia milgya sir...thanks sirji🙏🙏

[@anandkhati4571]

Tu bhai zindagime kuchh nahi kar payega 😂😂

[@ibrahimpasha5872]

@anandkhati4571 Are bhai phele to kuch kar bad Dosraun ko bol ....

[@vinaypurohit1997]

He is absolutely right for apartment or flat in Metropolitan or tier 1. Maybe not right for a row house with own land in a tier 2 or : town.

[@Avtar0008]

Rent k chkkr mai narak krlo life sabse acha chota simple ghr lo

[@pawarmayur7544]

Nice information sir 👍

[@nvn6274]

Excellent conclusion truth is truth Sabka saath Sanka vikas Pehle kud ka vikas karo

[@amitsamanta-o4n]

Summary (what I understood): Don't buy home at the early age, be free minded, upskill yourself , explore world as much as possible as that increases your chance of having more active income. Invest most of the savings. When you feel settled (preferably near your 40s), buy the apartment from your savings only if that is not much significant %. Here he requested not to buy apartment, as you don't have ownership of the land rather only those rooms which you easily can't resell in case of emergencies plus the resale value of land increases more than a single apartment.

[@MusicHoHa]

Brought a 3 BHK flat in Gurgaon at 40 Lakhs, Put it on rent and was getting 12K rent every month, Now the flat is 1.25 crores. Still getting rent and saving tax in 80c.

[@upkakisan4998]

रांग डेटा न दे! गरीबों पर सरकार कितना खर्च कर रहीं हैं और कारपोरेट पर कितना खर्च कर रही है! किसानों गरीबों मजदूरों सरकार ने दो चार हजार करोड़ रुपये खर्च किया जबकि कारपोरेट का लाखों करोड़ों रुपये का कर्ज माफ कर दिया! सोने पर टैक्स तीन प्रतिशत और पेन कापी पर 18 प्रतिशत!

[@subhajit201]

Yaar yeh koi expert kyun nahi btata hai ki rent hrr saal badhta rahega lekin emi wahi k wahi reh jayenge. 3 mahine emi nahi diya toh bank wale nikaal denge, rent wale toh tumhari aarti utarenge… if u know agle 10 -20 years ussi city me rehna hai then go for it…. Also do not over extend, so that it feels suffocating. Emi should become a breeze after 5 years given current rate of inflation… and govt is presenting deficit budget year after year and that is not going to change if some other party comes to power, so there is no chance of inflation coming down in near future…. So do the hard work for first five years and let the inflation erode your debt away and let these experts sweat it out paying increased rent every year.

[@abhirocks444]

Every one has their own thought and necessity....for some own house is must regardleass of it is coming via home loan or full cash.

[@AlmasAli-kk2sx]

Yes ryt....kab tak rent bharege... instead chota mota loan leke Ghar ker len chahiye ..atleast old age mei Ghar ka tension to nahi rahega

[@raj_quotes]

Don't be impressed with these types of people. One must understand that every person has his or her own priority. The best investment is in property and gold. One must have at least one property in his or her name. Property is one of the best appreciated wealth in terms of money. These people main moto is to confuse the youth. I am a professional accountant and I condemned him 100%

[@Amyanonstop]

Rent also increased year by year 10 years back 12k-15k was rent for 1 bhk in xyz part of mumbai now its 27-30k

[@ankitsangar8772]

Great podcast 👍😄

[@rajukarale5042]

Yek Dam Sahi Bol Rahe Hai....🙏

[@Mapleclinicindirapuram]

Thumbs up for your frank conversation

[@Rasaaone]

Ek dum sahi bola bhai .. demak ki bathi laga de 🧐

[@ankithere]

Car buying ki liye mast idea mile, thanks for sharing this information

[@deepakrai9126]

I bought home in 2021 in 50 Lakh and 30 akh EMI but in three year I paid principle amount 15 lakh Remained only 15 lakh. At present my same home price 1 ck Always take risk otherwise rent he pay krte rh jaoge.