Home loan-க்கு கட்டின EMI எல்லாம் காணாம போயிடுச்சு !!! ஆயுசு முடிஞ்சும் EMI கட்ட வேண்டும்!!!

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சாதாரண பங்கு அசாதாரண லாபம் (தமிழ்)
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Ordinary Stocks, Extra Ordinary Profits (English)
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[@ragulviews]

As far before following your channel, the content you are telling was made as a meme and my perception was different , but now after following the channel and book i can relate many things, understand and gain knowledge related to finance. This also helps me to thing about what are real wants and what are all unwanted wants and what actually should be valued and how to treat the money which we have. thanking you ANAND sir!.

[@jaaffersadiq]

Hats off to Anand sir to explain financial events in layman language and big hug to "yellaam punrinja maari ye nadikkum Kesavan bro" 😂😂

[@pradeepr1288]

Nalla pathivu sir valka valamudan

[@arunsathish1965]

Anandh sir be like : Goa porthuku badhila oru 20itc share vangalam

[@r.kathiravan489]

அதுக்கு மேல கூட ஷேர் வாங்க முடியும்.

[@ramakrishnanrs9230]

நான் 5 வருடம் முன்பு land லோன் வாங்கினேன் hdfc Ltd ல, 12,000*60 மாதம் 7,20,000 கட்டி இருக்கேன், total 180 months (15years) loan, நான் 60 மாதம் emi கட்டி இருக்கேன், ஆனால் என்னோட login ல போய் பார்த்தால் 31 emi தான் காமிக்குது, 29 emi என்ன ஆட்சுண்ணு தெரியல, கேட்டா rbi interest rate ஏத்திருக்காங்க ன்னு சொல்றாங்க, இப்போ 11% interest irukku.. நான் peraonal லோன் ஆக வாங்கினால் கூட 60 மாதம் முடிஞ்சி இருக்கும்...

[@NaveenKumarDevaraja]

[@chandrannatarajan6616]

Excellent contents Keshav and Anand, good screen play and dialogues...hilarious episode guys. Stay blessed.🙏

[@somasundaramrajendran7105]

6:13 Keshav: Adhani kadan vaninaru athuku evlo interest, Sir: Athu Free😂😂, out of syllabus question kekakudathu🤭

[@sasikumar5893]

🤣🤣

[@mahendran7259]

😂

[@vinod899]

Sir, Thank you for the insights. But considering the calculation after repo rate is decreased in a couple of years which will automatically decrease the period. Could you please provide insights on this as well.

[@nandhakumar1419]

Good information sir.thank you

[@vaasudev5941]

நல்ல மாமனிதர் என்ற சொல்லை நிருப்பிக்கும் நேரம் இது நீங்கள். தரும் பதிலை எதிர்பார்த்து காத்திருக்கும் உங்கள் வாசகர் . சரியான நேரத்தில் சரியான பதிவு நன்றி மணி பேச்சு

[@balamuruganak2829]

Anand Sir, Thank you for sharing your knowledge and helping us.

[@bharath10]

This question is for Mr. Anand; more like a request. Sir please do a video on inflation, interest rates... Who, in your opinion, has been the best RBI governor so far? And also the best Fed Reserve Chairman. Taleb thinks very highly of Paul Volcker. Please do a video on that topic.

[@sumathyearnest2882]

இந்த type of coversation நல்லா இருக்கு. பல செய்திகள். 👌

[@chandramohanc498]

Anand sir & Keshav thanks for making one of the best video with right message for the audience. Appreciate the entire team for quality editing and contents.I’m one of the regular follower of most of your video and you have definitely helped to improve my financial literacy !

[@vikikarthik4483]

Thanks for sharing valuable information 👍

[@shanmugaraj-pf2pm]

Today's excellent performance sir 🌻💐💐💐

[@danyaloy]

Fixed interest rate options are not available in many banks. Some banks avail this with higher interest rate

[@manitennis164]

Very important advice Sir. I also say the same to few of my friends not to fall in this trap. But most of my friends buy this home loan for prestige issues and peer pressure.

[@revathis7710]

Thank u for ur deeply explain sir👍👍

[@shotshoot386]

GREAT INFO TQ BOTH

[@stockmarketfacts2358]

Yen kanna theranthu vacha theivamey....Sami.... maharasa.....ayya....nandri nandri Nandri....Koda na Kodi Nandringaiyaa...

[@Balaji_Marutharaj]

நன்றி சார்🙏👍

[@delips3429]

Very clear information,thank you 💯😎

[@haridoss1670]

Very good information thanks

[@vasannathan6121]

Very useful 👌 information sir.

[@Peace.sacrifice]

This is the best awareness video from this combo. Thank you, I dropped the home loan plan😊

[@softtech6274]

Very versatile informative sir

[@darmaduraiarangannan5869]

Thank you sir 😊☺️

[@fishfish300]

Arummai .... Arumai.... Veedu vasngatheeenga pa..... Veeduvaaangatheenga....

[@RaviKumar-ee4ee]

Hi..sir என் வாழ்க்கையில் பல மாற்றங்களுக்கு நீங்கள் தான் காரணம் thank you sir ❤️❤️

[@legendsbeknightking815]

எப்படி sir என்ன மாற்றம் சொல்லுங்க

[@harshajakkam102]

Same here boss

[@RaviKumar-ee4ee]

@Moneypechu574 what you mean that

[@asiancamnetworks]

Yes me 2

[@meditationsleep3820]

Yes. He has changed my life also ❤️❤️❤️

[@venkatasubramaniann2688]

True Thanks🌹🌹🙏🙏🙏

[@arunvadivel1]

Your videos are very informative and entertaining.. Thank you to Anand Sir and Team

[@jagadeeswaranmoorthi1381]

Floating rate of interest thaan ellaa bank laiyum tharaanga. Therinji thaan loan vaanguraanga. Loan vaangumbodhae 30 years tenure pottuuttu, emi kammi yaa irukkaa maari paatthukittu, konjam amount every month principle adaichittu vandhaa loan seekkiram mudiyum. Unga veedu rent out panni irundheenganaa, rental.income um.ungalukku udhavi yaa irukkum. every year neenga rent yaetthuveenga, andha additional.amount innum seekkiram loan close.panna udhavum.

[@vadivelkrishnan2120]

Thank you sir

[@arunrajg8522]

நல்ல தகவல்களுக்கு நன்றி🙏

[@asiancamnetworks]

Super conversation...

[@thangamjeyakumar4074]

Thank you so much Sir

[@logesh9902]

Thanks for this information, am also in the same situation. Waiting for the solution plan

[@SarathKumar-hj1vn]

Very informative boss

[@harikrishanan5126]

நன்றி நன்றி🙏

[@anandarrival5737]

Thank you so much

[@jasminechinnaraj9367]

Nice msg sir 😌

[@ShanmugaSundaram-fh5rf]

Welcome sir

[@shanmuganathanm2384]

Such an exciting and insightful video! I'm following Anand sir from ITC, manappuram..! Suggestion - it would make more sense if the calc is shown through excel for better understanding in the video itself!

[@balajipg2465]

Thank you

[@SathishkumarKarunamoorthy]

குருநாதா! மிக்க நன்றி. போன வீடியோல லோன் கட்டிக்கொண்டு முதலீடு செய்தால் ஓட்டை படகில் பயணிப்பது போலன்னு சொன்னிங்க. உடனே மியூட்டுவல் ஃபண்ட்ட வித்து வீட்டு லோனை முடித்து விட்டேன். கணக்கு பாத்தா 40 லட்சம் லோன்க்கு மொத்தம் 61 லட்சம் கட்டி இருக்கிறேன் 100 மாதங்களில். இன்னும் வச்சிருந்தா வட்டியே போயிருக்கும். மிக்க நன்றி 🙏

[@gunasekarr3889]

Supero super very informative

[@GnanaShankar]

solution is very simple. pay a little extra every month. if you were paying 73k, pay 10k extra i.e. 83k from now to keep the loan tenure as 20 years. in this way, RBI's objective of reduced money circulation is achieved and the loan taker too escapes from the lifelong burden.

[@rajagc3076]

Hats off to Anand sir for sharing his knowledge. Thanks, Keshav. I have a question, please answer. Is it ok to withdraw a pf to do part payment of the home loan?

[@leninwins]

Much awaited topic.

[@birundhabi2146]

In agreement ( green Sheets) they mention floating interest rate, Most of the loans will be linked to floating interest rate.Its not secret they mention it, u can ask them to translate.

[@jamessanthan2447]

உங்கள் நிகழ்ச்சி நன்றாக அனைவரும் புரியும் படி உள்ளது வாழ்த்துக்கள் .

[@sarguruyoutubecollections7223]

Thank for bank loan awareness news

[@karthickraja2436]

Thanks for the Luxury content sir 👍🏻

[@manijay7912]

Although price is very high in USA, still interest rate is still fixed. Hence the housing market price goes up when interest rate is low, vice versa. Please ask Anand sir to speak about this difference.

[@valavanfit1073]

நன்றி அய்யா எனது சந்தேகம் தீர்ந்தது😊

[@murugaprabhu7405]

நல்ல தகவல் வாழ்த்துக்கள்

[@mohamedrizwan655]

The interaction between elder and younger is very good to watch. Keep this jodi intact

[@hemalathak5981]

Hi...pls explain....Bankers collect the rate of interest from public with immediate effective. But, FD investment rate of interest have not given existing customer immediately..I couldn't understand...Do you have any idea on this?

[@samfrommcc]

can't we keep the interest rate as fixed? Instead of floating

[@amalant8515]

Thank you sir... Keshav for coming up with a good topic... I am expecting more good topic... Common people doing mistake...

[@premnathv7295]

Thank you so much for your Great advice, recently I closed my personal loan now I can interpreted of your valuable words, I ll never ever go for loans.

[@rajabavai7554]

நல்ல விழிப்புணர்வு வாழ்த்துக்கள் ஐயா

[@MrSairam]

Floating na Mela interest yethuna automatic ah namakkum yerum. Aana mela yerakinaangana namakku automatic ah yerangadhu. We have to pay a service charge to reduce our rate

[@sivananthamsasikala195]

நீங்கள் போடும் அனைத்து தகவலும் மக்களுக்கு விழிப்புணர்வை ஏற்படுத்தும் ❤❤❤

[@senthilkumarsenthilkumar]

Great sir

[@karunankaruna2034]

Vanakkam sir 🙏 Karunakaran

[@vicky-im8be]

Its not only bank mistake, ours too... Taking loans at Fixed interest when rates are lower & Floating when rates are higher is a smart choice...

[@jegankrishna3712]

Its not that easy..

[@vicky-im8be]

@@jegankrishna3712 Its not that hard...

[@adada1015]

Sir morning koyambadu la irruthu rendu motai eduthu vaintha pudichu fine podura police evhanuga la keka matanuga

[@preethiravindhran7678]

Hello Sir, It would be of great help if you can share a calculator where we can enter our Loan amount and tenure details to understand the increase in EMI/tenure of loan. Thanks in Advance!

[@saratharavabhoomi]

So how about the corollary then? What happens when the interest rates come down again? Also wouldn't the house value been taken into consideration as in when the housing market crashes?

[@VijayKumar-fs1nw]

me too waiting kesava

[@haroonsharfudeen3301]

Subscribe panniyachu 🎉enjoy goa trip

[@mkkumarcbe]

1. Housing loan availed people all are suffer for the time being , .but will it be reduced right after a year or two., 2. All these federal and economic policies makes the market as consumerism., Means only to spend not to save.,.

[@kathiravankarthikeyan6089]

Sir , As per your video on home loan, if the home loan was purchased on fixed interest for the whole tenure of loan period will that also increase tenure and Rate of interest on any change of interest rate by the government

[@rajama4790]

Good evening Kesav

[@yummytummy1923]

Please explain how to Avoid LONG-TERM CAPITAL GAIN TAX in EQUITY AND MUTUAL FUND INVESTMENT

[@sivasidambarams492]

எங்களின் ஆண்டவரே நமஸ்காரம்..🙏🙏🙏

[@SunnyParthi-po6jl]

@moneypechu Please talk about Butterfly gandhimathi appliances

[@saravanaprabhualagappan926]

Your videos are fantastic, and I tried to calculate the same example. Have a great day For a 1,00,00,000 Loan and EMI of 74,895 Interest Rates to months to repay. rounded up values 6.5% - 240 months (or) 20 years 8.5% - 336 months (or) 28 years 9.0% - 373 months (or) 31 years 10.0% - 415 months (or) 35 years

[@karthickkathiravan7158]

It won't be fixed, after 1 or 2 year Powell will cut the intrest rate sakthi also cut intrest rate It'll cool down,they should reduce period of year also. This all about my knowledge thanks

[@SathishKumar-ff9xl]

True

[@vivekanand5563]

Why cause unnecessary confusion/ fear-mongering? If you want to buy a house... - Buy when you have the full amount to pay - Else, take a loan with a fixed interest, and plan to pay every month properly without defaulting - Do not take a floating interest loan People can have different points of view about buying a house. I myself have never bought a house even if I could afford to. But that doesn't mean I need to try to scare others who want to buy a house. Some people want to buy a house to live in, and this video does nothing but confuse them unnecessarily. Don't get confused. If you opt for a floating rate of interest, it is the equivalent of gambling. That is the simple point.

[@duraipandi264]

this is not confusion . fixed rate of interest is for 1 to 5 year only. post that bank will change the interest rate . bank mind voice : how do we run bank then 😆

[@arunprasanth374]

I also have taken home loan..Looking forward to the next video for solutions to help closing it soon with less interest payment.

[@pospos5305]

If the loan is linked to repo rate then EMI or tenure will go up when there is a rate increase. Two options to reduce the interest burden, 1. Make part payment 2. Increase EMI amount as much as possible. Else move to a bank with less interest and which provides OD option so any extra money can be parked there to reduce interest. It takes only a few minutes to calculate amortization schedule using online or Excel calculators. The video is mostly for taunting RBI and common people who took loans.

[@InfinitumDigiVoyage]

love u toooo

[@A.F.Rajkumar]

Sir physical gold epdi loss illama vangurathu oru idea video pota ellarukum usefula irukum sir

[@pokkali123]

Dear Anand Sir, I am watching your videos regularly and I liked all good information you are sharing regularly.. On this specific topic, if you could share details in an excel sheet.. Like Person A took loan at 6.5% for 30 lakhs for 10 tenure and now after interest rate hike how many additional emi that a person has to pay.. It would help every person and people will try to pay part payment to clear principal dues

[@excelmos2470]

You can do the calc in excel as K7 said 30L 24 months - 8%

[@venkatsudha1209]

Thank you sir good information bank loans pakkame pogamattan

[@shanmugapriyan8052]

Please give summary of the video in description or allow summary in comments..

[@jegankrishna3712]

Correct than.. but one doubt.. Ipo antha veedu 1cr na innum 20 yrs la land value itself 1cr kuda aga vaipu iruku.. Also ipo kaatra emi inum 20yrs la namma pocket money ah than irukum.. So veedu ipo vangrathu ok thana boss...

[@srinivasanvaradarajulu3556]

There is a case study which happened in 1997 financial crisis in HK. When the bank interest rate increased beyond a limit the home buyers in bulk handed over the houses to the bank. The bank got struck with cash and assets. Because the price of the properties also went up so high.

[@sureshkumar-bt3gx]

That won’t happened in india, we are too emotionally attached with houses

[@jaisuriya8055]

​@suresh kumar in this crisis there's high chances to return homes to bank

[@ramachandransankar750]

@@jaisuriya8055 You mean current crisis?

[@ramachandransankar750]

Why price also went high?

[@srinivasanvaradarajulu3556]

@@ramachandransankar750 Example: 1000+8%=1008 1000+9% =1009. When interest hikes the payment also increases including balance payments considering same fixed tenure of repayment. That’s why it is recommended to pay at least 1 month extra of EMI every year so as to reduce the overall payment. (Instead of 12 months, it would be 13 month)

[@ramprasadhjobs]

Super combination சவுக்கு ஷங்கர் மாதேஷ் மாதிரி.. fantastic video as usual Anand sir..

[@hfhfhfhhffhfh8816]

You are great sir 👏

[@rs.pandiyarajhansrinivasan7281]

Hai sir TANLA and POLYPLEX share are good or not for buying, please guide me.

[@ashwathigayathri]

I like to learn economics class from him fan from Kerala ... for assist you i subscribed and for his knowledge obviously

[@Muthusamy.1972]

Super Sir💐🙏🥰

[@rameshwith776]

Good evening sir

[@sivasankarjagadeesan4687]

I don't understand how the tenure period increases so much keeping EMI same when interest rate increases by decimal

[@muthu8188]

Once inflation is reduced this home loan interest rate also will be reduced la ?

[@RR-fl6wx]

nice sir