Home Loan Insurance & Protection Plan का असली सच

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Asset Yogi

Asset Yogi

Күн бұрын

Пікірлер: 720
@AssetYogi
@AssetYogi Жыл бұрын
Instead of home loan insurance, it is better to buy Term Insurance: bit.ly/term-life-insurance-compare
@aniketdumbre1472
@aniketdumbre1472 Жыл бұрын
Yes Sir, But one thing is more important that, after borrower's death there is No guarantee that Term Insurance will settle claim 100% where as in HLPP you will get 100% claim settlement. Don't you think this is the most important point which also need to highlight. I understand in HLPP you will get only outstanding amount, But at least you will get that amount guaranteed. Please share your thoughts. Also clear me if i have some misconception.
@abhishekmisra733
@abhishekmisra733 5 жыл бұрын
Outstanding video sir, literally isse achi samaz sewa koi ho hi nahi skti
@TarunKumar-lg2ny
@TarunKumar-lg2ny Жыл бұрын
Bhai aapne bahot achhe se samjhaya.. thank you for that. There is question I haven't found any good video on that not only yours but no where. Under construction property ke builder ke baare me throughout knowledge kaise milega? Builder kaisa hai? Reputation kaisa hai, property delivery ontime karta hai ya nahi? Yahi sab.
@AssetYogi
@AssetYogi Жыл бұрын
Thanks a lot Tarun
@ashishdalmia7
@ashishdalmia7 5 жыл бұрын
Sirji your concept was 100% perfect but you failed to highlight the difference of claim settlement between term and hlpp because that's the key role if the Money doesn't come on time will customer family will be able to get the property back ...every cheaper thing can't be a tool for all problems
@IrshadIlyas786
@IrshadIlyas786 3 жыл бұрын
That’s a good point, what is your take on this based on your research?
@sumanta3151
@sumanta3151 2 жыл бұрын
Term insurance company takes more settlement time and sometimes not pay also
@R.B.D667
@R.B.D667 2 жыл бұрын
समय बहुत कंफ्यूज था लेकिन आपका वीडियो देख कर मेरी कंफ्यूजन दूर हो गई thanx sir
@AssetYogi
@AssetYogi 2 жыл бұрын
Keep learning :)
@tusharkadam671
@tusharkadam671 2 жыл бұрын
You are really a complete solution of all financial doubts. 🙏🙏thank you.
@veerarodrigues7073
@veerarodrigues7073 5 жыл бұрын
Very useful video. We are just planning to go for a home loan. Got to see your many related videos at the right time. Thank you Brother and God bless you.
@AssetYogi
@AssetYogi 5 жыл бұрын
Glad to hear that
@viveksjain
@viveksjain 3 жыл бұрын
Great information Mukul. All my questions answered in 15 minutes. I am so glad to find this channel. Thank you.
@AssetYogi
@AssetYogi 3 жыл бұрын
Glad to hear that Vivek 😊
@vidrohi5902
@vidrohi5902 5 жыл бұрын
मेरा joint home loan है मुझे क्या better रहेगा HLPP या TERM PLAN? ?
@sumeetjaokar131
@sumeetjaokar131 4 ай бұрын
Best Video for 1st time home buyers. Thanks a ton
@kuhikarashwin8203
@kuhikarashwin8203 4 жыл бұрын
Dil se kahu aapke videos bahut hi achi information milti hai.
@AssetYogi
@AssetYogi 4 жыл бұрын
Dhanywaad :)
@subhashsoni9817
@subhashsoni9817 4 жыл бұрын
Sir aapne bahut hi shandar jankari diye aapka bahut bahut dhanyawad
@Vanimamidi7582
@Vanimamidi7582 5 жыл бұрын
Very useful...Though I am a telugu speaking person,I clearly understood the content..Your presentation with examples is excellent...
@e2origamikala469
@e2origamikala469 3 ай бұрын
Bahot hi useful jankari 😊
@SunilKumar-dr9pi
@SunilKumar-dr9pi 4 жыл бұрын
किसका टर्म इंसुरेंस लेने अच्छा हैं सर प्लिज़ adavice
@dharamsingh5728
@dharamsingh5728 4 жыл бұрын
Hello sir.. मैं अभी होम लोन लेने वाला हूं वह भी एलआईसी से और मेरा सैलेरी अकाउंट एसबीआई में है तो क्या मैं एसबीआई से टर्म इंश्योरेंस पहले ही करा सकता हूं? या फिर एलआईसी से ही टर्म इंश्योरेंस करा लूं?
@hirendrauikey8
@hirendrauikey8 4 жыл бұрын
This Information is viable for every loan borrower
@dakshpatil5397
@dakshpatil5397 4 жыл бұрын
Excellent Sir .... Thank you..Best information ... Maine abhi Just Home loan ke liye application kiya he....Mujhe insurance ke bare me details me pata nahi tha.....But Abhi sure ho gaya .. insurance lena he ya..nahi... Once Again ... Thank you sir...👍🙏
@deepakkkkk4683
@deepakkkkk4683 4 жыл бұрын
Thanx sir g.. Apki video se bhut jankari mili..mere ko bhi home loan lena h ..bank bhi tyar h.par ek bat samaj ni a rhi ki jaise home loan insurance h vo deth ke bad hi claims karta h ja koi major injuries ho jaye ja job chut jaye usko bhi cover karta h.plz sir JRUR reply kre
@susmitasahoo7674
@susmitasahoo7674 5 жыл бұрын
Very good information. Helped me to decide what to choose.
@ankita_kole
@ankita_kole 2 жыл бұрын
The way u explain jst superb
@AssetYogi
@AssetYogi 2 жыл бұрын
Thanks Ankita
@prakashkushwaha6616
@prakashkushwaha6616 5 жыл бұрын
I have taken first home loan recently from sbi 1600000 i want to know that pradhaan mantri aawaas youjana is automatically applicable in my loan amount or i have to apply separately (if separately then how to apply)
@1Shaaz1
@1Shaaz1 4 жыл бұрын
Love your work and content. Can you make a video on whether to invest in Real estate (buy home) or invest in Mutual Funds.
@UdaySingh-uz7dl
@UdaySingh-uz7dl 4 жыл бұрын
Thanks Mukul ji aapne mere 23.5 lakhs k loan par 76846 rupaye bacha liye....now I am going to buy term insurance instead of HL insurance.🙏🙏🙏🙏🙏Asset Yogi
@gazalafirdouse8802
@gazalafirdouse8802 4 жыл бұрын
Good explanation sr sr if we are alive till the loan tenure we will get the benefit of these policies
@KushalGupta
@KushalGupta 3 жыл бұрын
Really appreciate the way you explained this and compared home loan insurance with Term insurance. Ultimate.
@AssetYogi
@AssetYogi 3 жыл бұрын
Thanks 😊
@anandkurade8356
@anandkurade8356 3 жыл бұрын
Hello Mukul, Can we take two term insurance. If someone taken term insurance few years before taking home loan and as per your this video wanted to go with new term insurance. Thanks Anand
@veturisaikishore6542
@veturisaikishore6542 4 жыл бұрын
Great knowledge sir, mai tho aap say bahut sikray sir thank you very much for sharing your knowledge
@womanskitchen
@womanskitchen 2 жыл бұрын
Very much clear explanation
@AssetYogi
@AssetYogi 2 жыл бұрын
Glad it was helpful!
@svrkrao8648
@svrkrao8648 3 жыл бұрын
Nice explanation bhai..... Keep on making more videos on such issues. People got vexed up with false news of agents outside.
@praveenas7072
@praveenas7072 14 сағат бұрын
Thank you for the information Sir, very useful.
@nitinkumarchopade
@nitinkumarchopade 3 жыл бұрын
Hello Sir, Could you suggest me which Term plan should I buy?
@sunderrao4620
@sunderrao4620 3 жыл бұрын
Thanks for the information, sir i am going to take home loan from hdfc now still in progress can I cancel the the loan procedure
@harshshukla3651
@harshshukla3651 Жыл бұрын
Hi, Please suggest- Whether to include one time insurance premium in home loan amount and emi or pay it seperately (if i have available funds) also whether i should go for reducing coverage or fixed?
@krisshnakumar5082
@krisshnakumar5082 4 жыл бұрын
Super Explanation ..Thanks for making video
@AssetYogi
@AssetYogi 4 жыл бұрын
I hope this will be helpful Krisshna :)
@nuniabharat
@nuniabharat 4 жыл бұрын
सर, मेरी उम्र46 है मुझे 28 लाख और 23 साल तक के होम लोन कवर के लिए कौनसा प्लान लेना चाहिए, सुझाव दें
@mytechgurupro7534
@mytechgurupro7534 6 жыл бұрын
Your thought are very clear and helped me lot to know more about HLPP. Amazing!!!
@AMANDEEPKAPOOR
@AMANDEEPKAPOOR 6 жыл бұрын
Thanks for the information...... V help ful for people taking home lone........ Bank executive put pressure to take insurance
@AssetYogi
@AssetYogi 6 жыл бұрын
Glad to know that it's helpful.
@dhabalevinod
@dhabalevinod 4 жыл бұрын
I have taken home loan and my wife is co-applicants with me. I have gone through policy bazaar I can one take term plan for both me and wife. Pls guide on this. Also should I take family health insurance along with term plan
@nitinmoon825
@nitinmoon825 4 жыл бұрын
I did the same thing while availing home loan....Thanks for valuable inputs...
@AssetYogi
@AssetYogi 4 жыл бұрын
Keep learning Nitin
@vaibhavkuchankar
@vaibhavkuchankar 4 жыл бұрын
@@AssetYogi सर, मेरे पप्पा ने 2016 मे 8 लाख का लोन 15 साल के लिए लिया gruh finance से तब उनकी age 60 थी तो उन्होंने 1 लाख का इन्शुरन्स लोन कर दिया. तो अब वो लोन मै बंद करना चाहता हु तो वो बोल रहे की, इन्शुरन्स लोन का भी आउटस्टैंडिंग भरना पड़ेगा.
@TheIndianDreamer
@TheIndianDreamer 5 жыл бұрын
Sir I like your videos a lot. Very informative. Which software or hardware do you use to write on the screen? Please guide me. Thanks.
@paresh.vishpute
@paresh.vishpute 5 жыл бұрын
Which one better when the borrowers get disability? Mean source of income was 0?
@handsomeguy_gcopa
@handsomeguy_gcopa 2 жыл бұрын
Very informative video Must watch 👌👌👌
@AssetYogi
@AssetYogi 2 жыл бұрын
Thanks a lot
@subratsatapathy5619
@subratsatapathy5619 2 жыл бұрын
Thank you sir for the knowledge
@AssetYogi
@AssetYogi 2 жыл бұрын
Always welcome
@siddharthsingh9253
@siddharthsingh9253 4 жыл бұрын
Is it good idea to buy HLPP along with Term Insurance.
@sarwar22bn
@sarwar22bn 4 жыл бұрын
Very nice deciphering of the all the Financial codes... One request to you please make a video on "term insurance". covering all point including fraud by bank.n point to consider
@ishwarimarne9220
@ishwarimarne9220 5 ай бұрын
Hi sir.. please suggest good term plan ...im 28years old
@VIVEKKUMAR-ih4gd
@VIVEKKUMAR-ih4gd 11 ай бұрын
सर मेरे पास पहले से ही एक टर्म इंश्योरेंस है लेकिन अब मैं यदि होम लोन लेने जाऊंगा तो होम लोन वाले भी इंश्योरेंस के लिए पुश करेंगे तो क्या उसे टाइम में दोबारा टर्म इंश्योरेंस ले सकते हैं. यदि बैंक वाले जिद कर रहा
@mdVicky-br3vl
@mdVicky-br3vl 4 жыл бұрын
Good knowledge bhai Bahut accha laga aap ka video
@gorkshanathpatil8987
@gorkshanathpatil8987 2 жыл бұрын
Very helpful. Thanks sir.
@AssetYogi
@AssetYogi 2 жыл бұрын
Most welcome
@vijaybhasme9727
@vijaybhasme9727 5 жыл бұрын
I have taken home loan from ICICI bank which included HLPP. Que.1) Recently I have taken Term insurance of 1cr. In this case, do I have right to withdraw my HLPP from ICICI Bank? And Que.2) If I would have done prepayment of home loan within 5 years (whereas my loan tenure is 15 yrs), in this case shall I get back remaining 10 years premium of HLPP? Thanks for your support & Cooperation in advance. Awaiting for your reply.
@DaakuDaddyOfficial
@DaakuDaddyOfficial 2 жыл бұрын
I have the same question. Did you get the answers
@vijaybhasme9727
@vijaybhasme9727 2 жыл бұрын
@@DaakuDaddyOfficial Not yet
@DaakuDaddyOfficial
@DaakuDaddyOfficial 2 жыл бұрын
Okii @
@johnsultimatum
@johnsultimatum 5 жыл бұрын
very good explanation for a layman to understand! thanks!
@AssetYogi
@AssetYogi 5 жыл бұрын
Thank you for appreciation 😊
@vikrampanchal5298
@vikrampanchal5298 4 жыл бұрын
Sir my name is vikram panchal I am 48 year old I was thinking to buy a term insurance Please suggest me which company is best for term insurance
@vikaswakpanjar6985
@vikaswakpanjar6985 4 жыл бұрын
Society se lone uthana hai. To uske bareme thoda bata do sir. Yes I know every society has there own plans, but a small talk about it is needed. I am your big fan. You are fanatics.
@Jraut76
@Jraut76 Жыл бұрын
Can we buy both???
@imamshaikh7086
@imamshaikh7086 4 жыл бұрын
Mind blowing. Great. Superb. Thanks a lot.
@AssetYogi
@AssetYogi 4 жыл бұрын
Keep learning
@TitanGamerOfficial786
@TitanGamerOfficial786 4 жыл бұрын
Hello brother big fan of u Seriously ur brilliant, thanks
@AssetYogi
@AssetYogi 4 жыл бұрын
Thanks 😊
@lekhrammeena7299
@lekhrammeena7299 4 жыл бұрын
Nice Explained ,Very helpful video thanks Sir
@AssetYogi
@AssetYogi 4 жыл бұрын
Glad to hear that Lekhram
@HamzaShaikh027
@HamzaShaikh027 3 жыл бұрын
You're explanation is always awesome 😎
@AssetYogi
@AssetYogi 3 жыл бұрын
Thank you so much
@satyanaraynpalatasingh4437
@satyanaraynpalatasingh4437 5 жыл бұрын
Hi sir, I already have term life insurance. And now planning to take a flat with home loan. So I need to take another term insurance or what???
@keshavranjan9643
@keshavranjan9643 Жыл бұрын
Bahut accha samjhaya Apne
@abhaykulkarni7145
@abhaykulkarni7145 2 жыл бұрын
Sir ji bahoot badhiya thanks ji
@AssetYogi
@AssetYogi 2 жыл бұрын
Keep learning :)
@murarikumar-iv4fx
@murarikumar-iv4fx 3 жыл бұрын
Sir I have taken home loan from SBI but branch make two insurance one SBI life & Rinraksha by force sir can I close my both isurrance
@jaleshwarprasad7136
@jaleshwarprasad7136 4 жыл бұрын
I have a home loan for Rs 2300000/- with India bulls housing finance Ltd and property insurance with icici Lombard and home loan insurance with hdfc life. I hv already taken a term insurance for 3000000/- with Max life I want to transfer loan to sbi. I want to whether it is mandatory to take property insurance and home loan insurance again? Whether old insurance cover my transfers loan amount. Whether mode of premium is available monthly, quarterly, or yearly voluntary for home loan insurance? Finally what I have to do in case of loan transfer case and not to want to take again insurance since term insurance is already with me.
@rupakkeshav5201
@rupakkeshav5201 4 жыл бұрын
Kya sare banks insurance covered deti h at the time of issued loan amount?? Agr na deti h to kya hm uske khilaf koi action le skte h?
@kalyanmishra6650
@kalyanmishra6650 Ай бұрын
Sir I claimed for my critical illness to ICICI Lombard for Secure Mind policy,taken with my property,but I have repaid my loan , will I I get the claim? Or the financer ? Please Answer 🙏🙏
@abhishekshende3157
@abhishekshende3157 4 ай бұрын
Sir I have a home loan insurance should I repay the insurance part first it's about 2.5l @9% or should I focus on main home loan which is at 8.3%
@rahulraina56
@rahulraina56 2 жыл бұрын
very informative video and content. thanks Asset Yogi bhai
@AssetYogi
@AssetYogi 2 жыл бұрын
Thanks and welcome
@21centuryopportunityjourne50
@21centuryopportunityjourne50 2 жыл бұрын
Jordar sir.. Best information..... Sir. Thank you...
@AssetYogi
@AssetYogi 2 жыл бұрын
Keep learning :)
@TechieJourneyIndia
@TechieJourneyIndia 9 ай бұрын
Very informative video. Thanks for sharing.
@SafarnamaOnWheels
@SafarnamaOnWheels 3 жыл бұрын
Amazingly explained sir. Definitely a big thumbs up for your hard work👍👍 Must watch for ones taking home loan.
@AssetYogi
@AssetYogi 3 жыл бұрын
Thanks a ton
@amanbadshah8688
@amanbadshah8688 5 жыл бұрын
hello sir, please tell me from which company I take Home Loan Protection Plan, which company is best for Home loan protection. pls tell me in brief . thank you sir
@heerasingh3958
@heerasingh3958 5 жыл бұрын
It's depends on where you are applying for home loan . If you are applying in HDFC bank then they will give you HDFC home insurance plan. If ICICI then ICICI plan, Tata capital then Tata AIG. Bajaj finance then BAJAJ Allianz and the so one. But in term plan it's your choice to take which is best for you.
@ismailshaikh407
@ismailshaikh407 4 жыл бұрын
Excellent information and presentation, thanks a lot for details comparison between Home Loan Insurance or Term Insurance Plan
@56navin
@56navin 6 жыл бұрын
the best part of your information is regarding free insurance period, where applicant does not home loan liability policy but is forced upon him and under duress of circumstances pays premium he can surrender the policy within 15-30 days
@AssetYogi
@AssetYogi 6 жыл бұрын
Yes. That is applicable to all policies. But banks may apply some cancellation charges. It is always better to avoid at the first place.
@learnenglishonlineofficial1722
@learnenglishonlineofficial1722 Жыл бұрын
Bilkul mandatory hai loan insurance, Haan bank jiss insurance company sey judaa rahta hai wahan Wey force nahi kar saktey kee ussee insurance company sey insurance lein, kissi bhee aur insurance company sey bhee insurance Kara saktey hain, par chotey sey chota loan kaa insurance mandatory hai according to rbi guidelines 2013.
@naikabashinde
@naikabashinde 5 жыл бұрын
होम लोन इन्शुरन्स का दो साल प्रीमियम भरने के बाद मैने अब टर्म इन्शुरन्स लिया है। क्या मैं अब होम लोन इन्शुरन्स पॉलिसी को अभी बंद करा सकता हूं? Please reply
@vikas.kotkar
@vikas.kotkar 4 жыл бұрын
Very well explained.Crisp and clear.
@AssetYogi
@AssetYogi 4 жыл бұрын
Thanks for appreciation Vikas
@Dr.AP.shorts
@Dr.AP.shorts 2 жыл бұрын
really helpful for me. thanks
@AssetYogi
@AssetYogi 2 жыл бұрын
Most welcome Akashh
@Aashvi_Saini
@Aashvi_Saini 3 жыл бұрын
Great Job 👍, Really appreciate your way of explanation...U've got one more subscription today 🙏
@Rakesh_infomative
@Rakesh_infomative 2 жыл бұрын
Thanks for amazing information sir
@AssetYogi
@AssetYogi 2 жыл бұрын
Most welcome
@dipak268
@dipak268 2 жыл бұрын
very useful explanation
@AssetYogi
@AssetYogi 2 жыл бұрын
Thanks for liking
@rohineeprajapati6846
@rohineeprajapati6846 5 жыл бұрын
Thanks so much for the detailed briefing!! Too good👍🏻👍🏻
@tapendulayek6574
@tapendulayek6574 3 жыл бұрын
Very informative video Thank you sir...
@gauravahirwar7456
@gauravahirwar7456 4 жыл бұрын
Mera sbi se13Lac ka home Loan hai loan lete samay home loan insurance nahi Kara paya lagbhag 14 mah se loan pay kar raha hoon kya ab HL ka insurance ho jayega krapya yah bhi batane ka kast kare Ki kaun SA insurance karana uchit aur Labh dayee hoga.
@Sandeep07108
@Sandeep07108 5 жыл бұрын
Bilkul sir aap bahut hi achhi information de rahe he. So thank you.
@AssetYogi
@AssetYogi 5 жыл бұрын
Thank you for appreciation Sandeep 😊
@sandeshabhale7420
@sandeshabhale7420 5 жыл бұрын
@@AssetYogi sir make a video on prant Pradhan Yojana benefits
@narendramotewar1186
@narendramotewar1186 3 жыл бұрын
अगर ऐसी परिस्थिती आती है कि होम लोन insurance और term insurance दोनों को acquired किया हुआ गया है , तो ऐसी situation में क्या दोनों के फायदे एक साथ मिल सकेंगे?
@viralsharma3799
@viralsharma3799 4 жыл бұрын
Sir hum term insurance 3rd party se lay sakte hain
@kiranmalkar4413
@kiranmalkar4413 5 жыл бұрын
Very Knowledgeable video,
@AssetYogi
@AssetYogi 5 жыл бұрын
Thank you for appreciation 😊
@sunilsharma35
@sunilsharma35 5 жыл бұрын
Hi Mukul, like your most of the video
@kmustafa2967
@kmustafa2967 Жыл бұрын
does my existing term insurance cover new homeloan?
@sunilkanunje6722
@sunilkanunje6722 6 жыл бұрын
this video very help full for joint loan applicants thank you sir
@AssetYogi
@AssetYogi 6 жыл бұрын
Good to hear that Sunil
@health_talk_hindi
@health_talk_hindi 5 жыл бұрын
Maine 20 laks joint home loan liya hai muze home loan insurance karana hai but o dono ko alag alag premium lagega aise bol rahe hai nahi to dono ko karana hai to half half cover hoga 10 laks wife ka aur mera 10 laks ka to ye karane se better term insurance hai ya ye HL insurance alag alag lene ka fayada hoga ?. Ap to bole joint cases pe dono ko cover karata hai.... Ple reply me
@sachinsawant5852
@sachinsawant5852 5 жыл бұрын
Sir term insurance kaha se Leni hai same bank se le sakte hai kya?
@mahensahu
@mahensahu 6 жыл бұрын
U give always best knowledge..... Thank you so much sir
@devidrajjangam5401
@devidrajjangam5401 2 жыл бұрын
Thank you so much Sir..It helped me a lot
@AssetYogi
@AssetYogi 2 жыл бұрын
Glad to hear that
@yogiparesh
@yogiparesh 6 жыл бұрын
Very nice. You explain very well.
@PappuSingh-rb7un
@PappuSingh-rb7un 4 жыл бұрын
Nice sir, great awareness video
@AssetYogi
@AssetYogi 4 жыл бұрын
Thanks :)
@chandrabhushansingh5561
@chandrabhushansingh5561 2 жыл бұрын
Sir can we have both term insurance and home loan insurance. I have both but not sure it is correct or not could you please guide me.
@surajjadhav8123
@surajjadhav8123 3 жыл бұрын
Nicely explained and really it will help for many peoples
@AssetYogi
@AssetYogi 3 жыл бұрын
Thanks 😊
@daiviktiwari7453
@daiviktiwari7453 Жыл бұрын
still some points left 1. If loan amount is 40 lakh for 20 years and total 20 year premium is 1 lakh then they will charge 8.5% interest every year on 1 lakh 2. Why it is not deducted on yearly basis like simple term insurance
@homeplan3532
@homeplan3532 5 жыл бұрын
Sir mujhe ye bataye ki agar mene ek plot khardne ke liye loan liya hai lakin bank insurance bhi kardiya to sir insurance Lena zaroori hai ya nahi kunki bank wale insurance complesery batate hai Kya ye zaroori hai Lena agar nahi Lena hai to Kya karna chahiye
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