How taking a Home Loan can DESTROY YOUR FINANCIAL STABILITY

[@velociraptor7110]

Any individual buying a home without any loan are the luckiest and happiest.

[@NA-vt6mz]

Inheritance

[@Deebroking]

My age is 41 and did it...zero loan i build home @40L land + 38L construction.....but after marriage life was tuff....wife wanted flat..she forced me to take home loan....her family started emotionally blackmailing me to buy flat....but now she respect me more then anybody.....bcoz i saved us from stressful life.....on other hand her frnds who brought flat 10yrs back r still struggling in old flat....with lot of problems of buliding maintenance, water problem, on that Emi still pending for 20+ more yrs to pay.....thy r having miserable life 😢......

[@shiv_emf]

I bought flat without loan :)

[@TechnicianSanjoo]

Wo corrupt v to ho skta h

[@macdeep8523]

I know my cousin brother who sacrificed 7/8 years gone to abroad lived without family , worked day and night 18 hrs a day ... He saved 1 .5 cr in 7/8 years , he buyed 2 cr jodi flat in March 2024 .... Lot of sacrifice , hard work ... NO Loan , Direct sale deed for resale flat ... Hats off to him

[@diganttonpe1804]

This is the content for which I pay my internet bill. Crystal clear!

[@compoundingquest]

Home loans and long term big EMI are roadblocks to financial freedom. This is because people have started buying what they cannot actually afford.

[@camanishsharma6419]

I took a home loan, now I am always in depression, I can't raise any voice against the manager in the company I need to agree on seniors to save my job, I am always in stress, I can't purchase anything for myself and am always trying to save money. Even the price of the house is increased but I am in depression so do not take a home loan. My company has also started removing people due to recession. home loans rates also increased by bank at any time.

[@ARS298]

We lived in rented houses for years because we didn’t want large EMIs and also didn’t want to compromise on locality. The stupid just sideways glances you get from society if you’re renting. Not that it matters logically but emotionally dealing with idiot landlords and constantly moving is tough. Although we got a break and could afford to purchase a house, it’s still a sort of loan, but from family so it’s not that jarring. It’s tough for people with fixed incomes, with housing market artificially inflated by black money and property hoarders.

[@shashanks631]

market will not crash bcoz girls of buyers r pushed into prostitution for payment....evil supports evil, whole world is in dirty businesses.... good things pay u too low and u automatically die out....for remaining in race u need all sort of dirty practices.... thats my observation... thats y u can see mushrooming of discos, pubs, escort services, paid video chat, spas, fitness centres....bcoz debts & fake lifestyle r being funded by sex sale.... also look for female influencers' dubai trips....ultra rich r buying girls simply....and laws r destroying poor & middle class....

[@Dheeraj_UK08]

Buying a house is a financial jail. Middle class cannot afford it without long term EMI no matter how good you are at saving or managing your expenses you'll only be able to save around 30% of the value which will serve as a downpayment and the rest 70% will be long term EMIs. One of my friend used to say oh you have to take a risk in life and took a home loan wherein he pays 23k per month while his salary is 50k. Now he is not happy with the job but he can't quit and given how scarce the job market is these days he is not getting any good offer. In summary he is stuck for 20 years.

[@TechClicked]

Modi ki guarantee 😂

[@pvr5]

Han lekin khud ka ghar hone ki guarantee toh hai 20 years baad agar 23k rent pe rehta toh fir 20 saal job ke baad zopadi mein rehta ya fir life time rent bharta loan is bad lekin kuch pane keliye kuch khona padta hai

[@vinay_tire]

Just because of such impractical overprotective clauses borrowers are not able to pay during default and NPA increases.. Banks need to come out from the ages of Merchant of Venice.. it is the GenZ time. Good analysis Sir.

[@samirbhalerao5579]

Hi Krish, nice of you to explain the pound of flesh example with visuals on this idea I had given some time back in some other video . I have taken three loans in last three decades, all paid up by 2015. But I never faced such odd conditions at that time. The information you are providing in this video is new to me. If I had to take a loan today, I would certainly think twice.

[@student1821]

Merchant of Venice explained this concept many years ago

[@samirbhalerao5579]

@@student1821 true...but school kids don't take housing loan, so for them it's just a story.

[@VidyaNaik-p6x]

Their is one movie on this Now I don't know it's name 🙄​@@student1821

[@Ramiz422]

Ye same case mere father ke sath bhi hua tha 2003 me ek home loan liye tha 2007-08 tak wo barabar loan pay karte rahe phir ek din bank walo ne pura loan abhi pay kar do aisa bola mere father ne itne time me ek bhi EMI kabhi miss nahi kiya tha to unhone manager se jake behes kar li or us time humare pas fortunately utne paise the to humne pura amount unke muh par mar diya phir wo manager thoda cool down hue or request karne lage ki Continue kijiye pura amount dene ki zaroorat nahi lekin humne pora amount dekr loan close kar diya.

[@mohannadar8u873]

Bank ne tere papa ko chu.... banaya😂😂😂 Bank get huge amount of money in one go. Your dada already paid majority of interest. Loan k start me he majority interest Bank vasal kr leta h. Bank played smartly. They know u will be having money and if ego hurt then u will pay all outstanding. Hence, u fall in a trap. Later Bank will give that money to another borrower 😂😂😂

[@VikasBharti02]

Kaun sa bank tha ye?

[@chins3108]

Koi written statement hai kya bank ke taraf se?

[@Ramiz422]

​@@chins3108 2007-08 ki baat hai ab kaha rakha hoga

[@Ramiz422]

​@@VikasBharti02 ICICI

[@Insomgamerz]

I bought my first house when I was 22 year old, it was on loan. Now I am 35 and bought a second house and I bought it without any loan and got a rent from first house from few years, the moment I shifted in my new house, I started investing the money which was coming from rent on ETF. Now I can say, I AM GOOD! 🤗

[@sunnykool5485]

Great..

[@sunnykool5485]

Pls don't tell this story to you child ,otherwise he or she never think about earn money more than his or her need .

[@shashanks631]

born with a copper spoon....

[@vishalmate4767]

Not everyone born with golden spoon

[@WalterWhite-og6wj]

No one can buy their first house at 22 without help from parents or dahej. Going really good 🤘

[@ageless1003]

I loved your merchent of venice story. We had this whole play in my class 10. Wonderfull story.

[@hermianofficial3400]

I am in awe of your storytelling skills. Absolutely beautiful. Please do more of these!

[@amitkjain8]

RBI chahti hai ki Ramdas apna piasa kam interest par bank me jama kare , fir wahi Ramdas ghar lene ke liye usi bank se higher rate par apne hi paise ko loan ke roop me le. lekin ab Ramdas sajhdar ho gaya hai aur sidha apna paisa mutual fund me dalta hai. isse RBI ki fat gayi hai.

[@UniversalVista]

Isliya government MF PER JALDI HE LONG TERM CAPITAL GAIN TAX 30% KAR DEGI

[@neo_0072]

Hahaha😂right

[@anikethaldankar8410]

Thumbnail seems scarier than the home loan 😂❤love your content though

[@ankit.bass25]

I took a loan that i am confident i can pay back. I save around 30-40℅ of cost of house in my bank and just invest that money in a safe place. This gives me some return annually. I also get some tax rebate in income tax. Point is buy the house accounding to your current income and savings. Buy what you can afford

[@husaindaud5569]

Same case, BoB offers this. I kept certain amount in the savings account and that was deducted in the principal, besides that money is at my disposal in case of emergency. I always keep 6 months emi as a buffer. But yes I can afford that, many can't. Downside.... I could have got a much lavish house had I been adventurous. There is no right or wrong here. One of my colleagues bought a house just at the starting stage , in a very shabby place ,he did rebuild it but he is not satisfied. My best friend still lives in a rental property and is fully invested in equities btw he is loaded with cash now . Overall a very complex scenario between aspirations,wants, needs and mindset for taking risks.

[@truecitizen1]

Ok am to pay internet bill only this type of awareness videos ,brother Krishna garu you are torch bearer for us.Respect from Telugu states,Andhra pradesh and Telangana.

[@HousingEstatesbangalore]

Beautifully Explained!!! Most Home Buyers End Up in this Situation.

[@akky247]

Krish, one more thing. These private banks do play a smarter game than PSUs. They offer loans essily and bigger loans. But doing this, the customer can be stuck with the loan and the property. It's difficult to come out of this mess, and yes, as you said, it impacts your life and your finances for a long time to come.

[@KunalDMehta]

There’s a difference between doing business in good faith and predatory business practices. Your example was a typical example of the latter!

[@candyfloss184]

Very good video 📹 and bang on time. People are buying thinking home prices will always keep on appreciating. And thus buying on borrowed money. But then if everyone is buying homes 🏡 who will stay on rent? Rental yields will come down. And yes home can give you satisfaction only if you are staying. Else for investments its not good alternative.

[@candyfloss184]

Thank you for the heart sign Krish sir. I have been your fan since the days you exposed Lodhas cheap walls 🧱 which could be punched 👊 and broken easily. I would like to give you one suggestion. You are highlighting a problem. But please sir, try to give a solution as well. Give some advise even on charging like home location inspection, or alternative reits, rental income, investments, etc etc.

[@Deebroking]

*Bacchaliya guru...40L ka loan lena wala tha❤❤❤*

[@princeofheaven19]

Banks have become very smart. No one runs the repayment schedule in excel to find the real rate. Second trend is to take personal guarantee for the case there are legal issues with the flat.

[@gulshank4919]

Basically we are living in capitalist economic society where money dominate the ideology so we can't expect any relief for common man yes it's the common man who need to change it's mindset from buying things on loan just to prove himself in front of family and friends it's better to stay with what he/she already have or can easily afford

[@thetruth3322]

It is better to live in rented house and save money.

[@Ramiz422]

Not every landlord is nice.

[@UniversalVista]

And keep changing flat every 11 months

[@tejsinghranaofficial]

It's good for working professionals only. Not for a family.

[@manmeetjammu]

Home loans are not linked to FD rates. They are linked to Rbi repo rate.. Sbi can give 8.5 provided how good is your cibil or if you are defence or central govt servant. But generaly it would be 9.5 for general public current date. You need to confirm Or get quote loan from the bank.

[@ArandomIndian30]

Try to give back the loan within a couple of years. No loan should go beyond 3/4 years. Even at 8 percent, you are paying 32 percent more than your apartment. Your property will not be appreciated like that.

[@bunnyman_5454]

But the same pre payment amount if invested in Stocks would yeild better returns ??

[@iamthelegendripper8900]

If you can't pay 50% down payment for your home or flat I said do not buy it just paying 10 to 15% of down payment you will be locked for 15 to 20 years in misery and will spend every penny thinking about your future and worrying all the time

[@hb-ss1bs]

never never buy under construction. you buy litigation. never never take home loan

[@nirajthakur336]

Also, that is your perception about taking a loan, if this facilty utilized properly can do wonders for you

[@trojanhorse4ever]

I disagree, just be careful and keep tabs on repayments, don't default, try to repay faster, the earlier your buy a home the easier it will be to repay. Home is not a depreciating asset and yes it's an asset not a liability. If you don't have your finances worked out, better stay rented.

[@nitpro]

"Home is not a depreciating asset" - New learning for me....Yes i agree with high value areas in metros etc...Else property value always depreciate....

[@mithunmahato309]

Depreciating 😂 The price appreciates at the rate of inflation. The yield (return) barely crosses 3-4% considering many times it will go vacant 😂

[@candyfloss184]

Abe o chu...teeeye....zada gyan maat pel. Rental ayega tabhi income hoga. Nehi toh 6% interest bhi nehi aata.

[@candyfloss184]

Abe o chu...teeeye....zada gyan maat pel. Rental ayega tabhi income hoga. Nehi toh 6% interest bhi nehi aata.

[@maskedsuperman]

I disagree with you he is sharing harsh reality for people who do not have backup, what if you loose job or god forbid if you die then??

[@girishj4407]

Covid time the home loan interest was 6.25 now it is 10 percentage. Now tanure will be raised. If we have money around 75 percentage than go for home loan. If not you will end up in paying only interest. Dont take loan when you are 45 years of age 😢

[@Paritostalks]

Right ✅️ specially personal loans, car loan should be avoided as much as possible if your single income is low and you are 45+

[@cult_personality]

This is like saying using a knife is bad cause it can kill. Many things in life be it a knife or a loan facility if used correctly it can help you if you use it stupidly it can kill you. Many many businesses big tycoons are under heavy loans but they dont fear , cause they use loan money to invest they earn more then the loan instalment. Loan can help you massively if used wisely.

[@friendofall1824]

Better stay in rented house if you don't have enough money to buy a new house.. Never ever go for loans to buy any house.

[@srinivasrao369]

Then u cannot buy a house at all Rental increase at 10% yearly

[@sarveshkumarpandey7618]

😂😂😂

[@sachinarora7994]

That is not the case. For me, I am living on rent in a flat cost around 40lakhs. The rent is 12k only. I can buy this flat now as I have 12-15 lakh and rest I can take the loan. But I have invested my money in various places and I will make 1cr in next 8 years. After that I will buy the house without loan. Even if you consider the inflation as well, taking the loan at that time is still not a good decision.

[@wasimansari-rt5ik]

​@@srinivasrao369 it's depends upon the locality renting a house in main city so rent get increase as year pass if renting a house outside town close to main city so rent get increase every after 5 to 6 year and to too not very high

[@zahedullah5038]

Buy a house with the least amount. Keep the loan at minimum.

[@jaydistracted]

Buy a home on EMI only when you have cash/financial assets to pay them off AT THE TIME OF TAKING THE LOAN.

[@VidyaNaik-p6x]

Bhai more such vedios needed for loan sector awarness Good work Krishna ji

[@samirbhalerao5579]

Wish this video was available three decades ago.

[@Raja-ct9xq]

Antonio took the loan for his friend Basanio who was in love with a lady and to impress her by buying gifts 🎁 and make himself look handsome. It's a good analogy though.

[@vishnu5773]

Sir, I'm working in PSU, my company gives me home loan at 5% interest. Is it good decision to go for home loan

[@kspirit7571]

Comparatively yes.

[@Aman_jain13]

Definately because inflation is more than 5 percent apart from that property appreciation will definitely help

[@stacydoval8403]

I took a home loan, and I feel trapped, daily is a stressful day and I don't know how I will survive another 10 years

[@tejsinghranaofficial]

😢😢😢😢

[@kumar97-q1h]

Bhai insaan khud apni zindagi mein problems banata hai fir complain karta hai

[@nirajthakur336]

I got the home loan at 8 percent from HDFC ...this was possible beacuse of my excellent credit score maintained from past 10 years.

[@Ambulrai]

Even my Credit score is 835. I have never taken loan even if bank give me at 5%😊

[@priortokaraew7569]

What's wrong with living in the parent's house?

[@mithunmahato309]

I want to buy a land and then make residential building (flats) on it. I have experiece in hotel mamagement. So the ground floor will be a rstairant. Plot Area of 800 sq ft. to do that i think 40 lakh required for ground floor ans first floor. I am planning to loan 50% of the amount. Is it feasible ?

[@candyfloss184]

You can't get loan for buying land. You have to build a concrete structure on that land.

[@Rishi2015]

How will you even buy a land and then make flats with just 80 lakhs?

[@sanketvaidya2616]

I had experiance of buying house through home loan, and had bad experiance.So when buying next I will make sure minimum funding from Bank will be required.

[@Raja-ct9xq]

Sir in Hyderabad, government is demolishing homes that are in FTL and buffer zone of water bodies, in this case if the home itself is demolised by state government body, do the owner still need to pay the loan to bank or Government should pay that as they claim they are the owner ?? Appreciate your insights on this.

[@rohanp56]

There is girl in my office she took a loan of 35 lakhs under duress from father and brother for 30 yrs. And the amount she would be repaying comes to the tune for 1.05 cr. And she is not able to get married as all the guys when they hear about the loan the move over. Her brother and father are so shameless they want her to take a loan for a Scorpio N now.

[@Aman_jain13]

Default it what are they gona do.. 😂😂

[@gautamsinha5998]

Also you forgot to mention that the bank is indemnified in case they dont deduct the EMI on time through ECS but you still remain liable for a bad cibil score and charges

[@LEONARDO-xs2ke]

I love the thumbnail. Made me subscribe

[@shrikantshridharan3626]

Excellent information sir.

[@raghavendrakp]

"Aayega to godi hi", this slogan is what has caused everyone of our agencies to ignore the plight of the common man. This blank cheque is what is the root cause of all problems.

[@rajeshghuge78]

Thank you Sir 🎉 you are doing good work for society

[@SaumyaArchie]

Sir, i am 30 yr old working in a psu bank and took a home loan of 40L in 2021. My emi is just below 18k because it is calculated in simple interest. I didn't want to take loan but it was a dire need for my family during covid times. Even my monthly installments are lower than other people, it hurts to see a chunk of my salary go away. I have not taken any other loan beacause it is a trap. I need your view that should i continue with the loan or pre close it after some years by saving my salary? Btw tenureof my loan is 25 years. Of which 17700 principle amount per month for approx 19 years and and 33000 approx interest for 6 years. Sir please guide.

[@VikasBharti02]

Do not close it early, as your biggest advantage is you have got the loan with simple interest unlike others who got it with compound interest. If you have money, start investing it in mutual funds. Even with 12% annual returns, in 25 years, you will be earning way more than the total simple interest you will be paying to the bank on your home loan.

[@rahuldalal8]

Today u are feeling pain of emi bcause your salary is less....think about after 5 10 years when your fixed emi amount is very less than your earning....you have lived your home dream with lumpsome amt of money from bank at present cost...you cant build same house with same amt after 10 years....at later stage u will get less tenure..higher emi...your savings for future will have less value of money

[@rajatecian1]

The average value of real estate is unrealistic multiple of average income. Without loan or manageable loan one can’t afford to buy a home. The need to stretch beyond their comfort zone. Also, for the price the road, water, security, cleanliness, electricity, public facilities are non existent. Pata nahi kis liye itna paisa mangte hain.

[@hatebreeder999]

Exactly that's why I shouldn't respect this country

[@rajatecian1]

@@hatebreeder999 from where respect came?…. think you are mixing two things.

[@kishkavi8043]

Solid video.. Zabardast thumbnail

[@aadil-ansari]

1 cheez samjhaata hu jo bacche ko bhi samajh aa jayega --> samajh lo aapne loan liya 80 lakhs ka 8% interest par... ab aapko bank ko total 86.4 lakhs return karna hoga... maan lo aapne 10 saal ki EMI kari hai... to ab aapko har maheena 72,000 EMI dena hoga ! doosra raasta aapke paas ye hai ki thoda sa sabar kar ke aap usi EMI ko mutual fund meiñ invest karo... maan lo aap 50,000 per month mutual fund meiñ invest karte jo... to average par aapke paas 5 saal ke baad 80 lakhs se zyaada hi paisa hoga ! haañ haañ bhai pata hai ki property ka rate bhi badhega... lekin 1 baar khud calculations kar ke dekho with a deep thought ! 10 saal tak 72,000 bharte rehna hai.... ya fir har maheena sirf 50,000 bhar ke direct cash par 6 se 7 saal baad ghar lena hai ! 1 cheez or bro... loan meiñ aapko paisa bharna hi bharna hai... lekin investment karoge to usey skip bhi kar sakte ho kisi emergency ki wajah se... investment will NEVER NEVER NEVER will disappoint you in any situation in life ! Peace Out !

[@Devpoolz]

Loan is fine as long as u are smart enough to plan your finances ..

[@souvikc734]

People like you are needed more. Home loan is good but if you default then penalties are quite heavy !!!!

[@WintheRace-gz9zb]

I don't think so... buy home, which will consume only 20% of your income for EMI Becoz maximum you can't buy home without loan

[@ameyapatil2424]

People who take loans are literate. They agree for all conditions before taking a loan. Now they can't cry.

[@nareshagarwal772]

Duping people is duping people.. irrespective of who those people are.

[@ameyapatil2424]

@@nareshagarwal772 Nobody is duping anyone. If such is the case, then any individual can fight in the court of law against injustice. It is just that people fall into this trap due to their aspirations of having a particular lifestyle. Like always, there is a price for everything. You gotta pay to have it

[@samirbhalerao5579]

Do they read ALL terms and conditions before signing?

[@imran4006]

Do these Banks have permission from Government & RBI to impose such illegal conditions.

[@samirbhalerao5579]

@@imran4006 what you call illegal may be legal or undefined at RBI .

[@scienceillusion0]

Hello sir ,mai first time aapka video dekha hu Very good information ❤. Mujhe lagta hai hum sab ko (jo loans lete hai ) bank aggreement ko sab ke saamne lana chahiye aur uski reality bhi batani hogi ,jisse ki bank bhi pressure me rahe aur no. Of people who take loan will reduce ,tab jaake kahi aggreement me changes laayenge bank wale

[@KrishnarajRaoUrbanNaxal]

Bahut sahi kaha!!!

[@AshishKumar-iy3gg]

Not possible bro...

[@peeps01]

Beautiful video

[@VidyaNaik-p6x]

Kuch banks to 8.1 percent de rahe hai FD Pai Socho Loan kitne pai dege

[@imran4006]

15 percent

[@bhagatsingh8503]

This is absurd. RBI has set strict guidelines against such malpractices. Banks can not charge any interest on penalties also can't increase interest just like that if any bank does such thing. Customer can approach to RBI ombudsman or consumer court against such malpractices

[@bhagatsingh8503]

Mostly small banks or NBFC does such malpractices. ALWAYS TAKE HOME LOAN FROM BIG COMMERICAL BANKS SUCH AS SBI HDFC ICICI AXIS CANARA PNB ETC

[@shayanpanjwani4364]

Sir you are angel send by God to save us from this❤️🙏

[@sidhu3286]

Home loan is the biggest regulated scam in India. More than the principal you pay interest. Big corporation, don't pay and run away and no one questions.

[@AdityaKadamMechanical]

Industrialist pe yeh rules lagu hote hai kya😄

[@luxurystorehandbags]

Sir plz make video on which loan to take in home loan fixed or reducing and what should v keep in mind

[@hemavathikumar9123]

Have been following you since pre COVID when you punched through walls ! If only I would have invested in a share called lodha then today it would have been much more 😢 though their houses are not good !

[@ageless1003]

I am being a devils advocate here, Krish Sir, if businessmen start being empathetic to customers specially in insurance and loan business. Public will suck them dry. Public too tries to outsmart businessmen. Do remember that buisnessman comes from the society in which customers too live. You want to make a better life, be the changeyou want to see in the world !!!

[@DhananjayKumar-by7fm]

Nice Video Editing

[@shawnawasthi]

Loan pe plot le lun kya?

[@KrishnarajRaoUrbanNaxal]

No

[@Khawishskingdom]

Need to correct here.. penal interest at 2% will be applicable only for the days account had remained in overdue state. Once you clear your dues no extra 2% will be charged. Anyone have any doubt about loans can reply to my comment I will clarify being a banker myself.

[@Khawishskingdom]

@12:45 it is not right. Apki first EMI default hone pe apko 90 days ka time milta hai.. After 90 days account NPA hota hai. Bank ne jo loan diya hai wo bhi public ka hi Paisa hai. Aadhi adhuri knowledge bahut khatarnak hai. Apko ek nationalized bank se jankari lene ki jarurt hai.

[@SK-xo4hy]

Bhai Mera ek doubt hain 60L ka 9% per 20 saal ka emi hota hai 54000 per month . Interest payable total hain 70L . Agar hum loan 10 saal mein close kare toh kitna interest hoga

[@Khawishskingdom]

@@SK-xo4hy 10years ka EMI hai 76005.46 and total interest will be almost 31.50 Lakhs

[@abdulnayeem3043]

In current situation of Indian Economy getting into loan is like Apne Pair Pe Khud Kulhadi marna. Bachna issey warna bure phasoge. Like some one said in comments, Bank will give you loan easily but coming out of that debt trap will be ages in current economic conditions.

[@navalkishoragrawal285]

Very informative video

[@vikashranjan1436]

Please guide us on credit Cards and related topics.

[@ranjanroy82]

Same problem with electricity supply company and house tax authority

[@vishal.choudhury]

Why people go for NBFC when there are good PSU banks which gives lower interest rate compared to private banks

[@akky247]

Because PSU Banks just deny loans to most people, especially small businessmen. Private Banks and NBFC offer easy loans but higher rates. They even consider your income in black or untaxed income, overall assets, etc. which PSU Banks don't. They also approve larger loans if client needs it.

[@friendofall1824]

Thanks.. Perfectly explained...​@@akky247

[@websurfer12]

Krish loan is a double edge sword use it wisely and it will help you in creating an asset or will destroy you

[@Ambulrai]

Mene apna parental property sale karke 4 Duplex le liya bina kisi loan k. 😊

[@fightclub107]

Sir, jo home loan dete hai uspar “compound interest” lagta hai aur FD par “simple interest” milta hai. Bahut bada fark hai.

[@AlterRektMLG]

Who said FD pe simple interest milta h? 🤦‍♂️

[@fightclub107]

@ usually SI milta hai until you specifically opt in for CI, CI par interest rate kam milta hai.

[@AlterRektMLG]

@ Toh always choose the “reinvest” option instead of periodic interest.

[@fightclub107]

@@AlterRektMLG normal janta is not that literate, even I wasn’t.

[@yumnambijoychander5470]

Thank

[@vaibhavkumavat8842]

i have taken loan 8.7 roi and one more thing if you can't buy now then forgot about own home due to increasing property prices in metro cities i know loan is not solution but for many people's that is last hope for own home

[@hatebreeder999]

What if property bubble crashes? Happened in US Europe Japan China and lot of countries In that cause you will end up paying for owning house at half the price

[@hatebreeder999]

Ask yourself how are house prices going to increase? Younger generation is avoiding buying house India's birth rate is falling below replacement level so in future there will be less people more houses People with money are migrating to other nations Govt keeps removing benefits of real estate investments

[@bunnyman_5454]

@@hatebreeder999 Inspite of all of these Urban and metro migration is increasing rapidly.

[@annapol3103]

How abt SBI?

[@Casanova-op1ou]

Sir do i need to take loan or i should quit buying house??

[@andikatjacobdennis]

never take loans. a pocket filled with money is better than an empty pocket and scam calls

[@Casanova-op1ou]

@@andikatjacobdennis thank you bhai

[@apurvakumarsrivastav9765]

if ur income is 20 lakh per year take maximim loan upto 50 lakh to buy 2bhk flat of 60 lakh and less than 15 years time line pay 10 lakh miniumn down peyment. Also rememeber to study hard keep giving interview every 6 month to understand your value. try to fninsh loan faster by paying in adavnce evry year. You will be able to complete it with in 10 years.If your income is less then 1 lakh per month pls dont buy loan study alot to reach that income.

[@usera1285]

Sir need your guidance on the topic of buying car and its finance

[@khudafarishta3101]

Only invest in ready to move in property plus say no to credit cards, etc etc other type of loans 😢

[@ankursharma4711]

But banks builder floors per loan nahi karte so nbfc hi akela option bachta hai

[@worldofdeb]

Very good topic to remember.

[@samtaylore5601]

Can you lend money without charging interest? If yes I am happy to borrow 50 lac

[@websurfer12]

This man should go to Muslim country and take interest free loan

[@KrishnarajRaoUrbanNaxal]

Sure, if you let me live in your house worth 1.5 cr without charging rent.

[@TechClicked]

Modi Nirmala aur Shaktikant ne hum middle class walon ko lootke hamari zindagi tabah kar di hai 😞

[@subodhmandya7212]

Saving 2L per year is really good ngl

[@imransyed8552]

This is predatory lending, which is supposed to be highly illegal.

[@yoursapurba]

very good information

[@abhishekshah6002]

I don't disagree with what you said but you also have to see the bank's side. We also need to see where the bank is getting money? tax payer and depositors right? The same budhey buzurg Maa baap you're talking about, ho sakta hai ussi bank mai kissi budhe buzurg ka pension aata ho, agar log default karte chale jayenge toh ripple down effect hoga and end mai savings wipe out ho jayengi logon ki and bankruptcy court ke chakkar lagate reh jayenge log. In fact former RBI governor Raghuram Rajan yahi toh karna chah rahe the amongst the many many initiatives he took. Bad debts ko clean up karke bank ki balance sheets strong karna. It's a different thing his tenure was short due to political disagreements. We cannot afford scams like Mallya, Nirav Modi and Subrata Roy. Loan lo but apni financial condition ka correct assessment kar ke and agar possible ho toh penalty deke pre-close kar do.

[@livingthedream4715]

bokka choda hai ka re , banking का predator वाला behaviour samajh raha hai ki nahi... Merchant of Venice ka reference dena barbaad

[@pranay220]

Congratulations. You have just exposed what is a standard legal clause in all loans, irrespective of the type of loan. You want a loan from organised lender, you will have to agree to this clause. Other option is to go to a shylock who will charge 15-20% per Annum and he will keep the property documents.

[@satvirsingh9152]

What clause, can you please explain?

[@SDFNI3894YR]

bringing the 'Jew' thing in Shylock was very stupid seeing the current world scenario. just shylock was sufficient.

[@FullMetalPower7]

but he was being true to the story

[@SDFNI3894YR]

@@FullMetalPower7 when mr rao is criticizing Lodha or Mahindra , he never adds Jain or hindu. so why here? why didn't he add 'christian' to antonio? especially today such hate for jews is spread throughout the world bcoz of middle east conflict.

[@prashantsharma3647]

Home loan is biggest trap. Car loan and Home loan are surest way to loose your financial health.

[@nayanmore241]

Now a days I am taking loan to pay even maintenance..... Home loan plus monthly maintenance loan.... Life is he'll...... all big scam going on every where

[@studywithveer8962]

I just felt nostalgic 😭😭😭😂 studied merchant of class 10th

[@gayatri555]

India bulls se lena ni chiye

[@nafi25]

You can watch video at 2x speed

[@Jackson_heights94]

👌👌👌