Home Loan Prepayment - A Calculated Approach (Hindi)

[@AssetYogi]

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[@RioChhetri]

Nice..mera home loan later stage mai chal raha hai ..mai bhi soch raha thaa ..prepay ka abb fayda nahi hoga ..aapne wahi baat kahi ..abb mujhe faisla lena asaan hua ..dhanyawad bhai

[@Karma-x5p]

Aapke jaisa koi nahi samjhata aur Thank you to be KZbin its really so helpful for us.

[@pavanverma3613]

Thanx।।।। Main bhi home loan prepay karna chah chah raha tha।।। Lekin mujhe car loan bhi Lena hai Isliye main pehle car lunga।।।। Thanx a lot।।।।

[@vikashsinghrawat346]

Be debt free is always the best option. My priority is always to prepay

[@saumitit944]

Time and Opportunity cost are things to be considered. If one gets thechance to a really prominent college for an Educational Degree that opens them to more opportunity to get high paying jobs. Then it justifies taking the loan as the Return or Appreciation of the Income would be greater than the Loan Interest

[@vikashsinghrawat346]

@@saumitit944agreed.

[@Tabrez0717]

Nicely explained.....Best thing about your video is you come directly to the point without wasting time.

[@mdmukim5758]

Waisey sir Main 40 Lack Ka Home Loan Laney Wala Hu Is Liye Aap K Sare Video Dekh raha Hu Thank You Sir Ab Tak Aap Se Bhout Kuch Sikha hu Mujhey Bhi aap Jaisa Bnna hain

[@AssetYogi]

Thank you Mukim for the support. You can definitely become whatever you wish for.

[@yashankit2223]

Contct at 9971894691 for loan

[@prasaddeshpande6837]

If you are taking Home Loan. Also start investing in Mutual Fund SIP for the same period of your Home Loan Tanuer. This way you will also earn money while paying your Homeloan EMI

[@atrangianaya449]

Sir mene 20 lac ka home loan liya hai. But mujhe market me invest krne ki knowlede nhi hai to kaise karu ki muje mutual funds se profit ho.or me jadi se jaldi loan katam kar saku.

[@ashishrawat654]

i m a regular follower of yours ,,,,i definitely watch your financial related videos full of genuine,unbiased information.....great job keep on doing...

[@MrAvaidya]

many points cleared by viewing this video, thanks a lot

[@AssetYogi]

Good to hear that

[@VISA2702]

What a video...mind blowing ....i was searching for answer for last 3 years...thanks for video

[@AssetYogi]

I hope this will be helpful Vinod :)

[@tonmy21]

Loved your Video Sirji. Tax component explanation was undoubtedly unlocking the mind block.

[@yogendrarai5134]

Bahut hi behtareen video banayi aapne sir. 🙏

[@AssetYogi]

Keep supporting Yogendra :)

[@yvs0911]

It’s always beneficial to payoff mortgage it gives financial independence

[@hgjhhj3491]

Ye sip stock market ka chod padhane Wale bohot milte h 😂😂..loan utaro jaldi se

[@bharatkumarbhawarlaljain2984]

आप हर चीज बारीकी से समझाते हो इसके लिए धन्यवाद सर

[@afordgamerz4697]

Really you have sound knowledge of finance and way of teaching is really good.

[@krishnakumar-qe9tf]

Because of ur videos people are getting awareness of investment, which were lacking from past. Thanks a lot.

[@bharatthakker5429]

Excellent ❤❤❤ practical example❤❤❤nice explanation ❤❤❤

[@tushararyan2736]

Sir please tell us the best way to preclose home meas should we less our tenure or lower our per month emi's? Which one is the best in both of these?

[@meenavalecha820]

Thanks for sharing this video. It answered all my questions and doubts. Thank you!

[@rupeshnandvikar486]

Later stage matlab konse ...240 years ka mere loan hai to initial or later stage kaise define karenge.

[@yogeshmalviya1945]

240 mahine re chuttad

[@SatsangMarag]

tenure he months 20 year ka loan he

[@Sdvishnoi]

240 months

[@itsme_AB]

150 years tk k period initial stage hoga jaha interest jyada rhega....

[@pranavshukla864]

I have home loan and also add on ( home loan) The latest loan I can prepay , bankers are not interested to provide genuine information

[@SwatiSinghaniaFinance]

try approaching another bank for takeover of the loan, your bank will automatically start giving u attention

[@sanyamrampuria]

You are really great. It's now a whole week I was watching only yours video🙏 Love you sir

[@dilipwarrier5199]

Thankyou very much sir. This was what I was always wondering. This will help people like me to plan our funds well.

[@FauziaPires]

Good advice sir Happy teacher's day.

[@AssetYogi]

Same to you

[@haridevgarg3605]

Your explanations is very clear.

[@AssetYogi]

Thanks 😊

[@rahulgupta206]

Hello Sir, Apki is video me 4:08 to 4:18 tak apne interest pe tax benefit me loss k baare me btaya hai. Main samajh nahin pa raha hun ki pre payment ke case mein, section 24 me tax benefit me loss kaise hoga..

[@AssetYogi]

You can't get the benefit in case of pre-payment and closed the loan

[@pentlesdentingdentingpenti8720]

Sir muft me itni achhi jankari dete thnx a lot ☺🙏

[@AshishPatel-qi4ce]

pentles denting & denting penting .iss e practical advice kehte he

[@himanshuchauhan2665]

Thank you so much bro you are doing a awesome job.your vedios are really helpful and informative.

[@rathinkolekar]

Very informative video which can be used to take a call

[@brijeshvyas3201]

Very good subject and video.

[@bharatthakker5429]

Excellent practical example ❤❤

[@ShamKakade]

Thanks for the information. Your next video should be cover below topics. 1) How many % your HL emi should be 2) How many % to invest 3) Give examples considering salary slabs 0-5L' 5-10 etc 4) Calculate the tax for current year I mean updated tax slabs 5) How to invest in MF

[@AssetYogi]

Watch this video: kzbin.info/www/bejne/eWWcn4agr8xkn9k

[@dr.samudrasaikat5833]

I am a big fan of your videos. I like your approaches.

[@AssetYogi]

Thanks Anirban :)

[@arunphartyal7877]

Very well explained sir. Thanks a lot 👍

[@AssetYogi]

Most welcome

[@RAKESHHOLKAR]

बहुत अच्छी वीडियो। Sir, Reducing Emi vs Fixed Emi पर वीडियो बना दीजिये? और ये होता क्या है? 🙏धन्यवाद

[@bhanupratapsinghtak1577]

Hello Mukul Sir, Thanks for making this detailed informative video. Please do work on audio quality. I learnt a lot. I love your content. God bless you.

[@AssetYogi]

Thank you for appreciation. Bhanu. You can watch our latest video. We have updated the tools & instruments.

[@codegagan]

very good video for common man, I think all the points are covered.

[@guddupal625]

Thanks Yogi bhai very informative video

[@AssetYogi]

Thanks Guddu.

[@poorvinagar5863]

Should we sold share to repay loan or not. Or we have to invest share in the long term and pay emi from salary. Please suggest

[@AssetYogi]

That depends on various aspects. If you can generate more returns that what you are paying as interest then invest otherwise prepay the loan.

[@SanjayRathod-ct6qn]

सर very nice informetion क्या होम लोन का इंटरेस्ट Mutual fund का SIP लेके 15 या 20 साल बाद return मिल सकता है

[@kartikzavre1182]

Please make a video on whether we should take a Educational Loan or Not ? And some tips and tricks to repay it ! Thank you.

[@AssetYogi]

You may watch this video Kartik kzbin.info/www/bejne/h5vSgn99mM-beac

[@DileepKumar-je7rf]

Sir,personal loan ko fourclausere karna thik h ya nhi

[@saurabhshinde4051]

Hi sir accha video banaya apne Apse meri ek request hai jaise home loan ka xl mai calculation ke sath samjhaya vaise hi ek video guaranteed income pe nikalo aur market par

[@0707garry]

How does present value of money play out when we prepay compared to future EMIs?

[@TalesByYogi]

Good question sister.

[@Yalla_Habibi_Cat1]

Interest amount goes on decresing and the number of Emi s goes on decresing.

[@ritzyeazy]

@assetyogi ji .. kya main Fix rate home loan mein b pre pay kar sakta hun kya ?

[@AssetYogi]

Haan ji ap pre pay kar sakte hai

[@zeeshankhan-cz4yy]

Please suggest me for home loan fix and variable EMI better

[@AssetYogi]

Watch this video: kzbin.info/www/bejne/rWHIgKGJi9h-hpo

[@vaibhavdoke7861]

It's very nice and helpful 😊

[@AssetYogi]

Keep supporting Vaibhav :)

[@muralikrishnakulkarni4629]

I think ive watched the best video on this topic Thank you sir!!!

[@AssetYogi]

Thanks for appreciation 😊

[@pavanshinde7792]

Invested Sbi Gold etf. Is it ok or quit at this time

[@kalpeshpatel653]

During buying a home which are the documents we must obtain / observe from any seller?? What care should be taken regarding documents??

[@Ranjoy515]

Does builder refund amount to bank in case of wrong/excess payment by bank to builder than mentioned in demand letter?

[@sudheepravi]

much needed information.. thanks a lot

[@AssetYogi]

Hope it's helpful Sudheep

[@jot0287]

Hello Asset Yogi!! My only question is should i try hard to pay back home loan ASAP in the "initial State" or rather i should invest it in some investments with the rate of 12%. I really hope that you would respond to my query. Very important for me.

[@jot0287]

Hello Asset Yogi!! Please answer my question which would make me at ease..

[@miracledentalclinic9001]

What you decided in this situation?

[@shubamnarayan4581]

Hi Does paying additional cost along with monthly emi have more benefit than paying lumpsum every year into the loan account?

[@Subhashtechmantra]

Thank you Sir,You are a man of Great knowledge

[@AssetYogi]

Keep learning 😊

[@gouthammanoj9824]

Super information thankyou sir

[@AssetYogi]

Most welcome Goutham

[@ajajalihanafi1368]

initial stages vs later stages ky raheta hai? iske bare me jankari chahiye please

[@informationallcivilworkhou6538]

Sir Mera home loan 16 present h to Kya us me 12 p.l uta KR dalna chahey ya nhe

[@2007s1]

When we have home loan with overdraft facility like sbi MAX GAIN, then complete analysis will be different.. ? Park until you don't have any use and then use whenever you want...correct ?

[@anandkarwa9677]

I also have maxgain account. Do you prepay it?

[@shwetaverma648]

Same aise hi Education Loan ka bhi explain kr dijiye....r usne tax rebate jo govt se milta h use bhi samjha dijiye

[@nowayswapnil1]

Sir ur this video is very nicely balanced information video... Gives clear algorithm to solve the question. N My question if some have no much more money in his pocket..... But still want to earn money..... By rotating money of some one else..... And without doing much physical work can we generate money?

[@nikkr5343]

My first comment on KZbin... Awesome info.. Very nice

[@AssetYogi]

Thanks for appreciation Nik :)

[@nikhilgudadhe4818]

Hello Sir, Thank you for the great information! I have a question can I prepay my personal load or If I prepay my personal loan it can effect my credit score?

[@AssetYogi]

You can definitely Pre-Pay your loan. It will not have any bad impact. But in a way it is good that you are not defaulting on your loan.

[@nikhilgudadhe4818]

@Asset Yogi Thank you sir

[@rakeshsurve7259]

Hi Sir, Nice video.. Mera Home loan amount 11 lack 2015 me liya tha. 5 years complete huye hai still my home loan amount outstanding 10,11,000 pending hai. 10.25 interest rate se chal Raha hai sir... Foreclosure krna benifit hoga ya balance transfer 7 percent se.... Foreclosure me outstanding amount me kuch Kam hogi ya same rahegi. Foreclosure me discount milta hai ya nahi sir. Loan GIC home finance company se hai. Pls give some suggestions... Thank you 😊

[@prateekabroal7966]

Explained in a very simple manner... Thanks for this video....

[@prateekabroal7966]

Please also suggest where to invest to get better returnd

[@fatnbaldvlogger5831]

Eye opener for me!! Thank you man

[@AssetYogi]

Keep supporting :)

[@harshdipwaghmare5541]

Very good video sir. Sir, agar home loan 12.25% se liya hai 21.5 years ke liye aur wo initial stage me hai to kya hum personal loan (15% interest wala) 2 lakh ka 3 saal ke liye lekar home loan prepay kare, 3 saal baad phir se 2 lakh ka personal loan lekar home loan prepay kare to fayda hoga kya? suggest me. Sir aap calculation kariye aur is subject par detail me aap video bana sakte hai.

[@rupeshnaidu8032]

How do I know the latter period say for example my tenure was 20 years so as per your suggestion we shouldn’t prepay in latter stage . So from which year do we say it is later period.

[@Mathematics99]

After 9-10 years

[@vanug2007]

Sir loan 2016 me agar liya hai 2080000 ka abhi 2019 me outstanding 1700000 tak hai aur pass surplus amt 1100000 ka hai and koi air loan nahi chalu hai plus koi car loan ya jaisa bada expenditure near future me nahi aa raha to kya prepay karna chahiye ya invest karna chahiye ..agar prepay karna hai to kitna kare us surplus se and invest kitna aur kis instrument me kare..plz suggest

[@vishwambharchaurasiya4848]

Sir please Mai Parsnol loan Liya hai aur account se Katha hai loan ko Pura bharna hai tho online kase bare uska video banayen

[@vinayaprahlad]

Hi, When I make a part payment, which one should I choose - Change of EMI or Change of Tenure. Which one has more benefits?

[@vanug2007]

Plz guide

[@swapnilghadge7107]

Anyway if you increase emi it will decrease tenure

[@pankajgaur9078]

Superb video 🙏🏼🙏🏼👌🏻

[@AssetYogi]

Thanks a lot

[@dineshchandra2913]

Sir mortgage property per jo intrest lagta hai vo up down hota rehta hai, to iske kya niyam hai, kya ye risky hai? Please tell me.

[@AkshayChaudhari5]

Outstanding video.!

[@AssetYogi]

Glad you liked it!

[@pratikparab5365]

Hello sir Pls let me know,is ulip policy good to link with home loan for better corpus

[@sudhirtrivedi3279]

Sir I wud like thx from entire my frnds team who are big fan of u

[@MohitKumar-ch7fn]

Thanks sir, i was searching this information.

[@sandipchavan4157]

Thanks for the video. Can we do pre payment before receiving PMAY amount? If i do then is there any impact on PMAY amount ? Please suggest. TIA

[@pratimabhosale644]

Gm sir , it's very important information u shared with us. Ty so much. Mujhe queries hai ki hamara home loan chal raha hai , aur kuch loan nahi hai. Hum log prepayment karana chah rahe hai, to humako tax benefits bhi milata hai ,to is case me hum tenure kam kar lena hi sahi rahega ya emi kam kar ke lena sahi rahega???? Plz reply

[@AssetYogi]

Thanks, Pratima. I can't suggest this without calculating everything. But Pre-payment is a good choice if you have the funds.

[@manishsarkar4435]

Loan pre pay ke condition and fees kitni hoti hai. Kaya a direct principle amount to decress karta hai.

[@Bhajankerasik]

I have a home loan at 10.3% which i took in 2009 of 20lakhs. Now i want to buy another property for which i have to take a home loan of 30lakhs . I have spare 15 lakhs. Should i go for buying the property or prepay my existing loan?

[@ShubhamSpeak7]

One of the good thing that he never asks for subscribe and bell icon.

[@takumereny2841]

Even if he asks also ... No one of your business

[@ShubhamSpeak7]

@@takumereny2841 Better you keep your nose out of this comment.

[@ArjunSingh1988]

Very good video genuine information

[@AssetYogi]

I hope this will be helpful :)

[@rudrakumar9943]

Prepay by family Members? (son & Daughter)

[@AkhtarKhan-qg3bj]

sir Maine indiabulls se 24 Lac ka Loan liya 10 Lac ka part pay kiya.kyonki indiabulls ne 01 YR se pahle hi 8.35 interest se 9.05 kar Diya jo abhi chal raha hai.kya koi bhi 5month mein rate of interest change par sakta hai.answer pl

[@amitghatage774]

Which property is good as an investment ready to move or under-construction?? Thanks in advance

[@amitjose2068]

dear, after repayment bank how to calculate home loan, kindly explain

[@mohammadhammaaduddin8856]

Down home loan calculator from play store

[@anandkarwa9677]

I had SBI maxgain home loan 15 lakh since 2013. Should I prepay 5 lakh in 2020 as I don't have any other loan.

[@jayshree7317]

Yogi ii ek baat bataiye home loan ki interest ki year on year change hoti h kya ?

[@Investlikepro2022]

What can be initial stage in terms of years and later stage for prepayment of home loan?

[@deepakverma-mp4jb]

Boht ache se samjhaya sir boht boht sukriya

[@AssetYogi]

Thank you 😊

[@prashantsahay5984]

Sir mein Dusra ghar khareedna chahta hu... Toh kya mein firse lichfl se loan Le sakta hu kya?

[@sidh4u327]

Maxgain homeloan AC main agar main total outstanding amount maintained karta hu means utne paise JAMA kiya ,to Mera EMI to same hai but principal outstanding amount change Nahi ho Raha . Kya iska MATLAB ye hai ki Jo EMI deduct ho Raha hai wo totally interest amount deduct ho Raha hai ? Aur kya Mera loan tenure BHI kum ho Raha hai ? Total outstandingoan amount maxgain main dalne par kya benefits ho Raha hai us bare thoda details dijiye

[@WorkSmarter__]

Hi Mukul, Can you please make video on SBI max gain in detail? How to park money to OD Account? I don't think there is any useful information on that on KZbin. And offcourse no one explain in clear and detail way like you. Thanks. Your faithful subscriber

[@AssetYogi]

Will try to cover in a future video

[@pcheulwar]

Sir, initial stage me prepay karna hai to loan lene kitne saal tak prepay karna chahiye?

[@drshaileshshukla]

If i want pre pay so how should be the re payment schedule be re scheduled? I mean increase the emi amount or decrease the tenure? Plz guids tia

[@AssetYogi]

The choice of lowering the EMI and keeping more money in hand may sound tempting. But it is best to reduce the tenure of the loan, provided you can afford it.

[@AnilSingh-ev8oc]

How to deposits prepayment amount of my loan account online system .

[@pc-0872]

Nicely explained. Can you please make a video on Pre-payment or part payment of lump sum amount of Personal Loans and if there are any preclosure charges levied by the banks? Thank you.

[@jyotipatil8883]

Home loan pre pay kaise kare . principal amount me ya kaise please bataye

[@sharadkamble3580]

Kay usaka koi bank charges lagate hai kay

[@AssetYogi]

Nahi