Home loan tips || 10 important facts about home loan || First time home buyers must watch

Home loan tips
Information is wealth. So gather as much as knowledge before applying for home loan so that you make a wise and informed decision.
This video will first time home buyers and existing home loan customers.
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[@nanthini222]

You covered every point bro.. very short and crisp.. hats off

[@HarshasLifestyle]

Thank you 😊

[@prasanthsanka]

Lovely Bro....simple and superb.....no jargons used.....hats off

[@HarshasLifestyle]

Thank you 🙏

[@rahulsurendran2057]

Good one. Useful information. Much needed info for me right now!

[@HarshasLifestyle]

🙏

[@haviveka]

Hi.. So much of useful information! You are so knowledgeable at such a young age and willing to share your knowledge for well-being of others!

[@HarshasLifestyle]

🙏 big words bro... thank you

[@victordizosa2414]

Great... Crisp and clear explanation 👏🏻👏🏻👏🏻

[@HarshasLifestyle]

Thank you 🙏

[@svignesh1797]

நன்றி சகோ.. என் பல சந்தேகங்கள் தெளிவாகிவிட்டது

[@HarshasLifestyle]

🙏

[@kulsumhafiz8500]

Liked all ur contents.. Especially regarding home loan and auction idea.. Thanks for the information.. Subscribed ur channel..

[@HarshasLifestyle]

Thank you 🙏

[@RajaS-nw2zx]

Updated details good one bro... Gongrats

[@HarshasLifestyle]

Thank you 🙏

[@statutory8850]

Super bro hats off keep Rocking clear voice

[@HarshasLifestyle]

Thanks 🙏

[@tejatejus4681]

Very useful information and very short details very nicesuper bro...

[@HarshasLifestyle]

Thank you 😊

[@crazygamertamil2980]

Very very useful, thank you for this kind of videos 👍👍👍👍

[@HarshasLifestyle]

🙏

[@SaravanaKumar-jr6kr]

மக்களே....ஜாக்கிரதை!!!!! முக்கியமாக SBI State Bank of Indiaல் Max Gain என்கிற Schemeன் மூலமாக இப்படி நாம் குறிப்பிட்ட தொகையை செலுத்தினாலும், உங்களுடைய EMI குறைக்கவும் விடாமல், கடன் கட்டும் கால அவகாசத்தை குறைக்கவும் விடாமல் செய்து கொண்டு வருகிறது. ஆகவே யாரும் இந்த Schemeயை தேர்ந்து எடுத்து பின்பு அவஸ்தை படாதீர்.

[@vigneshc6153]

:3.11 Tenure Reduction is best bcoz Interest value reducing

[@manonmanic7808]

Useful. Thank you🌹

[@HarshasLifestyle]

🙏

[@alexj4725]

Thanks for the tips bro. Valuable info

[@HarshasLifestyle]

🙏

[@guruprasadn84]

Good explanation.

[@karthikeyanj725]

very much useful. thanks a lot

[@HarshasLifestyle]

thank You 🙏

[@seenuseenu3220]

Nice bro.. romba use

[@udaychandran8307]

Hi bro. I have been seeing your videos recently. I can see that you have been giving clear details about the important and different needed topic. Thanks for that. Please do a video on gst decrease in bikes as per the new update. As there is no details about this topic yet

[@HarshasLifestyle]

Sure 👍

[@udaychandran8307]

Thanks for considering.

[@Joe-jj3tl]

Informative 👍

[@HarshasLifestyle]

Thanks 🙏

[@blissside7504]

You are doing well man .. do more

[@HarshasLifestyle]

Thank you 🙏

[@manivelvenkatesan8551]

Very good information, Thank you bro

[@HarshasLifestyle]

Thank you

[@OMSTNT]

Ji PMAY loan explain pannunga ji 6lak loan vanguna evlo total amount varum atha part payment havym close panna mudiuma future la. Thanks🙏

[@gnanajerome]

Good and useful information

[@HarshasLifestyle]

Thank you 🙏

[@kalyanraman811]

Nice and informative video

[@shahulhameed-ed8uq]

Super bro...evlo per ethana thadava kettalum porumayaa ans pandringa...enakum home loan le neraya doubts irunchu...now okay...u done vry vry gud job for needy ppl...pls continue ur service bro...

[@HarshasLifestyle]

Thank you for your kind words

[@karthickdeelmachi]

Superb da boy

[@HarshasLifestyle]

Thank you 😀

[@gopinathprakasam3614]

Very helpful bro

[@HarshasLifestyle]

Thank you 🙏

[@ANANDKUMAR-bi6ih]

Excellent bro

[@HarshasLifestyle]

Thank you 🙏

[@ramprakash-rp3ih]

Yeppa, KZbin use panna ithana varushathula innikudhan edho useful ah kathukita oru satisfaction 😀

[@HarshasLifestyle]

🙏

[@user-wn9vc1xq2u]

Very useful

[@HarshasLifestyle]

Thank you 🙏

[@ganesanithya2279]

வணக்கம் bro ippo home loan namma vedukattumbothu base mattam podurathukku munnadiea amount kidauma konjom sollunga

[@rohinianushiya2632]

Really sema clear ah explain panringa bro thank u so much Best sip and best mutual fund bank solunga bro plz?

[@HarshasLifestyle]

Okay will do it...

[@arokiaswamysolomon7085]

Is it advice to add co applicant in our home loan . if not . anything plus or minus in future.

[@prashannaperiyannan24]

Very informative video ! I have couple of questions , if risk premium decides the rate , how to get zero risk premium ? And what will happen if a loan becomes default ? Please explain

[@HarshasLifestyle]

Nowadays everybody applying for home loan will have some loan or credit card(unsecured Loan). So it is not possible to get zero risk premium. If u do not pay the emi on time at first the bank will pressure u through collection agencies and still if u are not paying then they will send u a legal notice and then bank will auction the house and recover the loan principle.

[@drmirthulasri8250]

Super 👌

[@HarshasLifestyle]

Thank you 🙏

[@sundartamil0707]

👍👍👍👍

[@KamalKumar-sk2mx]

In year how many time part payment has been made

[@senthilkumar-bf9dh]

Thank u

[@balajij1662]

Post videos related to credit card, owning a car or leasing car

[@HarshasLifestyle]

Sure

[@nandhinipollachi]

Hi..can u suggest best bank for home loan in 2021..

[@thirumenithestorm]

Best things , we were able to watch without headset , very clear audio !!!!

[@HarshasLifestyle]

Thanks 🙏

[@AarchandKani1229]

Is there any chance to reject Home loan by bank after getting sanction order?

[@jana_harsha]

Brother. Really helpful content. Please ipdiye poitu vanga... Nengal avdhu matha youtubers madhri home tour, vlog lam poidadhnga...theva iladha content.

[@chandrasekarsekar1630]

Good

[@HarshasLifestyle]

Thank you

[@raksabb]

Bro.. Tenure a kuraicha bank ku loss u nu pona video la sonnenga.. Aana inda video la, bank tenure a reduce panna dan suggest pannuvaanga nu solreenga.. Contradictory a iruku..

[@HarshasLifestyle]

Both will vary depending on the principle outstanding and loan tenure...

[@venumadhavrallapalli]

very informative video!! Please answer my query below Can i sell my old property and use the money to pre close my on going home loan ?

[@HarshasLifestyle]

If ur income is not sufficient to pay the loan then u can but the better option is to keep the property and generate income to pay off the loan

[@muraliprakash1010]

Nan home loan vangum podu malligai kadai vaithuirunden enaku 15 % pottuirukanga epo government staff epo enaku interest rate kammipannuvangala bro

[@krishna4u55]

You have not mentioned above pradhan manthri awas yojana and eligibility .

[@indumathi9348]

Equivtas home loan best or not reply bro

[@sanjeevis2748]

Hi.... In your previous video u have suggested to go with reduce tenture period because bank will suggest to reduce EMI but in this video in the time of 2:45 you are said like bank will suggest to reduce the tenture period.. got confused bro!! Please correct me if I misunderstood

[@HarshasLifestyle]

Bro bank will generally suggest for reduced tenure always...

[@pradeebaveerappan8362]

Same question i have..contradictory statements..

[@Bhanuandrehana]

U mentioned something called default. So what happens when Ur loan goes default? Does it mean the bank will take over the home ?

[@HarshasLifestyle]

No. Default means if u don’t pay ur emi bank will mark you loan account as NPA. That’s considered as default

[@raamadevan6457]

Super bro I

[@HarshasLifestyle]

Thank you

[@mannanmannar528]

Bro is there always to reduce tenure is good or reduce EMI is good ...kindly brief it

[@hemnathmanikandan8172]

Go for tenure reduction bro... Because the more is ur tenure, then the more will be your interest. Have a check with your emi calculator or Excel sheet and add the interest component. Tenure reduction will be the best option to cut down interest and also to close the loan asap

[@vinothkumar.a7993]

அய்யா தனிநபர் கடன் வட்டியை குறைக்க ஏதாவது வழி உண்டா

[@dhanalakshmiamir8095]

Sir, one doubt can I increase my EMI amount of my house loan every month or else can I pay part payments in the year end by saving the amount. Which is best?

[@HarshasLifestyle]

Paying part payment is better

[@shatvikaakhil5389]

Bro part payment nama panomna athu principal amount a reduce pannuma ila final amount including intrest la kami panuma

[@HarshasLifestyle]

They will reduce it in the principle outstanding amount not in interest

[@pradeepm5479]

Good brother. In future please explain a video about house property details. Like square feet rate calculation

[@HarshasLifestyle]

Okay sure 👍

[@_fluid__591]

Hi Bro, there is my colleague who got a home loan at 7.99% but he is saying is that it will increase as years pass by and we will ve asked to pay more????? Is that true Im scared

[@arockiaaruljothi5758]

Decreasing tenure is benefit for borrowers.

[@HarshasLifestyle]

Yes correct

[@kulsumhafiz8500]

Please put a video on auction of car

[@sasikumar.r5661]

Fixed rate enna problem solunga

[@krishna4u55]

How to decrease the loan emi amount ?

[@senthilsenthilnaveen1960]

Bro. Mahindra home lone spot payment panni close paniten . But register office la censel pananum solraga koncham clear a solla mutiyuma?

[@HarshasLifestyle]

Yes u have to cancel MOD… for Eg. if u have taken vehicle loan in the RC book u can see hypothecation… to cancel the hypothecation u need to go to RTO. Similar to that for home Loan also u need to cancel MOD in the registrar office

[@snagarajan83]

How does the bank , repo the loan if the applicant is dead, ....does the emi covers the insurance amount also..

[@HarshasLifestyle]

If u have taken loan insurance then emi will be covered

[@mannanmannar528]

Floating interest percentage how much in SBI...

[@HarshasLifestyle]

Right now they are giving home loans as low as 6.9%

[@mohpar7327]

Can we decide the tenure for home loan or is it always decided by the bank.? Like if I want the tenure to be less like 5 yrs for say 15/20 lakhs, is it possible?

[@HarshasLifestyle]

If u have an income eligibility then u can decide the tenure

[@mohpar7327]

@@HarshasLifestyle thanks for the response

[@HarshasLifestyle]

🙏

[@vicky.567]

Bro do more videos about home loan

[@HarshasLifestyle]

Sure bro

[@prem1601]

bro i ah e a question. you have said that bank will try to reduce the tenure if we are paying partial payment, where as in another video you said bank will force to reduce the EMI amount. which one i should do for the benefit?

[@HarshasLifestyle]

Reduction in emi is better but in some cases reduction in tenure would be benefiting. But generally reduction in emi would be better

[@prem1601]

@@HarshasLifestyle but in this video kzbin.info/www/bejne/mnbFg3-fn5mZl5I you have said reducing Tenure is would benefit with example.

[@HarshasLifestyle]

Yes sorry my mistake. Reducing in tenure will beneficial but there are some cases where in reduction in emi will be profitable...

[@ekambaramjagadeesan5053]

How central Govt subsidy will adjut?

[@HarshasLifestyle]

They will adjust in the loan interest but u have to inform the bank to adjust it against the principle.

[@saranyasaranya-hx6nq]

Part payment plot loan ah irukum podu pay panalama ila home loan ah convert Panna aparam pay Panna best ah pls clear my doubts

[@HarshasLifestyle]

Loan is a loan wether it is for plot or building... so u can do it anytime

[@subramianid5008]

Prepayment பண்ணும்போது அசல்தான் குறைப்பாங்களா....

[@beautifulworld8966]

👍👍👍🙏

[@HarshasLifestyle]

👍

[@beautifulworld8966]

Ur explanation was too impressive... Very good... Very useful...

[@HarshasLifestyle]

Thank you 😊

[@UdayKiran12]

Floating na endha frequency la change aagum bro ??

[@HarshasLifestyle]

With RBI repo rate

[@roopadevi9769]

Hi sir, we like to buy resale flat, rs. 75, lakhs. How much money I will get from bank

[@sarathr4495]

Hi bro. Will pmay scheme be available for construction of flats?

[@HarshasLifestyle]

It’s only available for buying flats… not construction of house or flat

[@mohanrajd1895]

Bro.. for 25 laks 15 years tenure yeduthom na..yethana time part payment panna allow pannuvanga

[@HarshasLifestyle]

It depends on the bank and not the loan amount or tenure...

[@SivaKumar-ww8cn]

Good morning bro

[@HarshasLifestyle]

Good morning 😀

[@basicwai]

What loan against property loan.. is same home loan concept applicable

[@HarshasLifestyle]

Yes similar to home loan. But the purpose is different. Home loan can be used for only for buying a new house or construction of new house. U cannot utilise the funds for anything else. But in loan against property u can use the funds for other needs.

[@VCD000]

Bro nan axix bank la 5L yedukka poren in home loan.10yrs agreement la katta poren ithu good da illa bad

[@HarshasLifestyle]

Loan is always bad. Plus now the interest rate is high and they will increase it further. So think twice before getting this loan

[@vijimuniyandi1187]

Bro i am first time home buyer. Loan amount 35 lakh iruntha 50000 tax deduction extra kidaikkuma illa 35 lakh vida kuraiva irukkanuma. 34 lakh kammiya apply pannanuma

[@HarshasLifestyle]

It can be up to 35,00,000 but not more than that.

[@saisowmy8752]

Bro part payment panumbothu emi reduce pandratha vida tenure reduce pandrathuthana best

[@HarshasLifestyle]

Yes correct but in some cases the opposite will be better

[@gowripriya6090]

Thank u which bank is best for home lone

[@HarshasLifestyle]

It all depends on the processing fees and interest rates

[@privatenumber5831]

Dei Harsha oru question da nan 3 Lacs part payment pannein HDFC la they charged me 895 keta athu difference in Interest nnu sonna is this correct appadi onnu unda illa enakku ava kulla potutala pls sollu

[@HarshasLifestyle]

I need more details to give u the full details

[@basicwai]

Who is fixing interest rate for loan against property loan.. RBI?

[@HarshasLifestyle]

Internet rate will have 3 component- RBI repo rate + bank margin + risk premium.

[@Miracle...906]

Bro ennaku 45 laks home loan thevapaduthu my salary 45000 emi 25000 pidipangala I am govt servent ,20 years service irukku pls tell nro

[@HarshasLifestyle]

EMI will depend on interest rate and tenure

[@user-nj5er1bd1y]

Emi change not required any additonal chques

[@HarshasLifestyle]

Sorry didn’t understand ur question

[@kannansubramaniarajan8028]

Boss..oru video la Tenure bank kuraika matanga nu solringa..ipa Tenure la than kuraipanga nu solringa?? Ena boss??

[@HarshasLifestyle]

Reduction of tenure is better bro. Some minor cases reduction in emi will be better..

[@developingguys9139]

Bro plz share abt car loan details

[@HarshasLifestyle]

Ok 👍

[@palanik2638]

Sir m o d missing

[@balasubramani43]

Interest rate varied with tenure. For example i apply 20 lakhs for 8 years means. Interest rate is increased ah bro

[@HarshasLifestyle]

Interest rate will depend on ur risk profile. Only for credit card interest rate will vary as per tenure...

[@balasubramani43]

Thank you bro

[@HarshasLifestyle]

🙏

[@thambiduraivadivel2772]

Hi bro I bought a flat in Chennai, 25laks sbi bank home loan eduthu irruken, ippo than construction poitu irruku,Bank released 10L so far, nan ippo partime pay panni home loan a 10lac pay pannitu 15lac ku emi pay pannalama ? Appadi 15 lac ku emi pay pandra madhri irruntha evlo years ku emi edukalam? Kindly reply me bro🙏

[@HarshasLifestyle]

Ya u can pay 10L part payment. Are u going to choose tenure reduction or emi reduction?

[@thambiduraivadivel2772]

@@HarshasLifestyle tenure reduction 15years ku pannalam nu irruken bro, is it right or any other suggestions bro?

[@SivaKumar-ww8cn]

Vedu altraction panna yenna loan yedukalam pension loan ya home loan

[@HarshasLifestyle]

It will come under personal loan

[@yuvanprabu3479]

Hi sir Ur all videos super 👍. na home loan 25 lake vangaporan entha bankala interest camiya irrku sir Ur idea please sollunga iam waiting please help me 🙏

[@HarshasLifestyle]

The cheapest is SBI without any doubt... if u are not able to get in Sbi try other nationalised banks before going to private banks

[@yuvanprabu3479]

@@HarshasLifestyle thanks sir 🙏

[@HarshasLifestyle]

👍

[@vinothkumarv3414]

ப்ரோ நான் வீட்டு கடன் வாங்கிருக்கன் , அதுல அப்ளிகேண்ட் எங்க அம்மா பேரு இருக்கு ஆனா கோ அப்ளிகேண்ட்ல என் பேரு என் தம்பி பேரு மென்சன் பண்ணிருக்கு '10000 இன்சூரன்ஸ் கட் பண்ணாங்க இதுல நான் இறந்துட்டா லோன் கட்டனுமா ??

[@HarshasLifestyle]

Yes… the insurance is for main applicant

[@naveenr3109]

Nenga enga work panrenga.mutual funds pathi Oru idea sollunga

[@HarshasLifestyle]

Yes sir I will make a video on that

[@shatvikaakhil5389]

Part payment best a ila Emi increase panni tennure kami pandrathu best a

[@RajeshKumar-uq7yz]

If you're able to get better returns more than the loan interest rate then park that money for a certain period time and do the part payment or else it's better to increase your emi amount.

[@lakshmiramas9801]

How to apply loan if you are a business man

[@HarshasLifestyle]

U need to file returns regularly... it’s a main criteria to check eligibility... They will consider the taxable income

[@RamKumar-op4fs]

Bro Esi PF ila apdina Interest rate adhigama irkuma...ithuku Vera ena option irku

[@revanthmohan9159]

Default na enna bro clear a sonna nalla erukum

[@HarshasLifestyle]

Default means loan default. If u do not pay emi for your loan