Free Home Loan in India | Zero Interest Home Loan Scheme | Home Loan Tips in Tamil

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Free Home Loan in India | Zero Interest Home Loan Scheme | Home Loan Tips in Tamil
Home loan repayment refers to the process of repaying the borrowed money (principal amount) along with the accrued interest to the lender, typically a bank or financial institution, over a specified period. It is essential to manage your home loan repayments diligently to ensure that you pay off the loan on time and avoid defaulting on your obligations
#bankloan #personalloan #homeloan #carloandseb #businessloans
#LoanAdvice #loantips #loanprocess #loanapproval #LoanInterestRates #LoanRepayment #LoanOptions #LoanApplication #LoanEligibility #LoanDocumentation #LoanVsCreditCard
#LoanVsCreditLine #LoanConsolidation #LoanDefaults
DISCLAIMER
We are not SEBI Registered and this video is for educational purposes only and should not be considered as financial advice or an endorsement of specific investments. It is essential to conduct thorough research before making any investment decisions.

[@ffreedomapptamil]

Download ffreedom app:- ffdm.app/awQi

[@pushpavanamsiva6986]

யுவராணி நீங்க நல்லா இருப்பிங்க எனக்கு மட்டும் இல்லை எல்லாருக்கும் பயன் உள்ள வீடியோ இறைவன் உங்களை நன்றாக வைத்திருப்பார்

[@jansyengineeringcompany3856]

ஆக ஒன்னு மட்டும் தெளிவா புரியுது... இந்திய அரசாங்கம் பேங்க் நாய மட்டும் நல்லா வாழவைக்குது.... தெளிவா சொன்னதுக்கு நன்றி....

[@dorothydodo9424]

Please talk about home loan repayment. Very clear explanation.. I wish I would have seen this video become my loan.

[@nagarajanpalanisamy2679]

இது போன்ற சிறந்த பதிவுகளை மீண்டும் எதிர் பார்க்கும் உங்கள் பக்தன் நன்றியோடு நான்.

[@ramakrishnan1459]

ஏங்கப்பா ஆஹா நல்ல பதிவு எனக்கு ஒரு பத்து லட்சம் தந்தா போதும் ஃபர்ஸ்ட் கிளாஸ் வீடு போட்டு டஉவஏன் டாக்குமெண்ட்ஸ் என்ன வேனும்

[@arunrajm9902]

If I didn't get a loan, the entire EMI of around 25k would be saved.

[@inspirationalstories1575]

😂

[@krupaprabhu5744]

What is tax bracket? To whom it is considered? How it is calculated?

[@balan8713]

சகோதரிக்கு வாழ்த்துகள்.... தெளிவான விளக்கம் தந்தமைக்கு.. 💪🪭💪

[@mohanarok7708]

What about insurance,inspection and loan processing charges.Deferent banks collecting deferent charges,that’s how much for total years

[@muthammalv3207]

Which degree or course should i pursue to be knowledgeable in finace like u?

[@SJ-ow3kp]

I have a doubt. If we cancel the home insurance... Do we need to pay any penalty amount...

[@sundaresan700]

Thanks for the clarification and your efforts

[@balajivenkatraman7598]

Mam,In the case of personal loan can we get EMI split(Interest+Principal)statement from the bank.

[@afsmani]

yes, you can

[@indianlad23]

How is the Principal - Interest Ratio of EMI determined?

[@suryachandran9670]

EMI = [P x R x (1+R)^N]/[(1+R)^N-1]

[@indianlad23]

@@suryachandran9670 That's EMI formula. My question is on the break-up of Principal and interest within EMI

[@madhumithasubramani2410]

Mam antha save pandra amount ah entha platform la invest panna better ah irukum nu oru video podunga..

[@anthonyraj3369]

Interest வாங்கி, இலவச கடன் சொல்லி, என் லாபத்தை காட்டி free lone சொல்லிக்கரத்துக்கு தைரியத்துக்கு பாராடல்.

[@mathew__e-Ride]

Excellent calculation 🎉. 4245/- to save to post office Intrest is High there

[@vickyashok9839]

No. Neenga invest panra instrument loan ah vida adhiga returns kuduthadhan indha method work aagum. Example la kooda avanga 10% nu dhan calculate pannirukkanga. Post office schemes la 10% mela varuma?

[@sendhur_muthu]

​@@vickyashok9839loan interest percentage oda athigam returns investment la vantha than ithu work aguma?

[@raguvaran202]

Post office highly interest 8.2%

[@user-mj8lv7yw5z]

Mutual fund best

[@vinothkvk9560]

My calculation - better not to avail HL So interest 0%, EMI- 0, Tenure- 0, roi -0%

[@vickyvignesh7322]

🤣ulti

[@mahendrabooopathym7862]

Super idea

[@RiyazKhan-ni7fb]

We can invest, what we have...

[@karthigeyan.bkarthi162]

If 50 Lakhs loan as per RBI guidelines maximum can offer up to 40 lakhs.. *RBI LTV Guidelines* Up to 30 L - 90% Up to 75L - 80% More than 75L - 75% * LTV - loan to value of the property..

[@PraveenKumar-po5kr]

Home loan principal tax benefit is applicable if we took the home loan before 2018, right?

[@love143ization]

Yes it is applicable

[@vinothiniakil4385]

Akka ella use full ah solluringa ennaku online course pathi sollalam la yendha app la online course pathila explain panningana clg poi padika mudiyathavangaluku use agum la akka

[@catherineh1373]

Hi sis In ur logic fixed interest may be it works But in floating interest rate how come it possible

[@rajakalyani6065]

Thank u so much for a explanation ma. Very clear

[@fg3752]

What is missing on your calculation is Part 1 20 % tax exemption is good agreed , Part 2 investing 5 lakh more to save EMI and invest the saved EMI in some schemes of to create a wealth using the compounding growth, one more possible way is invest the 5 Lakh as the one time investment in the compounding growth scheme......probably the second one makes more money

[@silambarasanr886]

Ok sister but 30 k earn panuravanga ena panuvanga family run pananum la full amount loan and invermet pota family ku ena kodupanga athuku oru idea solunga

[@palanieee14]

Wow, ne super Maa, neraya katukavadiyathu irruku. Genius yuvarani.... 🎉

[@saxoprem1]

Is this genius 😮

[@charlessanthanam8886]

Excellent exemple explications Very Nice 👍💯👏

[@Ukkas27]

Hi, I have availed housing loan 1 ago with higher interest also i have one personal loan.. Now i want to transfer my home loan in lower interest as well as i want some top up amount.. can you suggest me how to move this process?

[@jeganrose]

which is the best mutual fund to invest sip .what is your advise

[@ckchells]

go with index fund.. nifty fifty index funds

[@gowthamarumugam8605]

Please tell people that the income from investment is taxable.

[@Jeevafashionhub]

Antha correct ahna investment enna nu sollunga mam.adhu theriyama tha erukom

[@PraveenKumar-ct6lz]

neega direct ah invest panuga nu solirukalam, nambaluku profit vantha matum tha zero interest agum, loss achuna interest um katatum aprum actual loan money um katanum. ana enga epdiyum bank will make 100% profit 😅, nambaluku tha konjam doudt profit varuma nu

[@singaravel-velrajg7992]

1) if government decides to stop old regime and levy only new regime from any night? 2) who knows the real worth and growth of a property value (it might overvalue when we buy or undervalue when we sell), so instead of buying home with loan. why not we invest all the EMI amount in best return investment.

[@mitras-seasonedaroma294]

Invest that 5 lakhs in bank deposit for 10 yrs for 6-7 % maturity will around 9.5 lakhs..and if at that time still that rate of interest is the same again invest that 9.5 for 10 yrs.. So after 20 yrs the maturity amount will be around 19 lakhs..for 25 yrs around 24-25 lakhs.. Ukanthu yoschrukinga.. But i think can't get that much profit from tax benefit and it should be a risky investment to get returns of 10% that too for 25 yrs cos bank interest are only 6-7% and are steadily going down.. Better something than nothing.. And better yet not to avail loans..

[@s.latchoumylakshmikuppusam9754]

Correct ah investment pannanumna eppadi pandradhu. Enna scheme eruku details kidaikuma. Second after 25 years save panna money return correct ah kidaikuma. Loss adhu edhu nu solli amount minus pannitu konjama edho ori amount kudupangala.

[@nazeemazaheer1038]

Tq sister romba useful video. Nanga ethavadu doubt keta solluvingala sister.

[@mageshkumarnainadurai5140]

What about the 5 lakhs additional down payment? Even if that is invested properly you can have good returns

[@gowrishankark1083]

Exactly

[@Jamesbond-bx6qm]

Tax benefit is for tax payers only😢 In india, only 4% of the population is paying tax so this tax benefit formula won't work for 96% of the people. And 10% return for 25 years is practically impossible for normal people who don't know about investment. Even a good investor will face losses therefore getting a 10% return for 25 years is a day dream.

[@lakshmigandhan6272]

Absolutely right. Also based on new tax regime we will not get any benefits on home loan principal and interest paid

[@Jamesbond-bx6qm]

@@lakshmigandhan6272 😊👍

[@SrinivasanNatarajanLocalboy]

Invest directly in nifty 10% will be sureshot! For the past 10 yrs it gave 14℅ avg

[@SrinivasanNatarajanLocalboy]

And for 96℅ 30,000 emi how can you pay? 😂😂😂 what's the logic you pay emi of 30k but u have income less than 5.5lcs p.a😢

[@antonyprabhurajx9836]

Sorry மேடம் உங்க video நான் பார்க்கல,ஏண்ணா நீங்க ஓபனிங் லே யே,no intrest idea va சொல்லிட்டீங்க.very good 👍. thanks 🙏.

[@priyamohan9522]

Good Video. But tell us which bank offers 8% interest for housing loan first of all. Post clearing this we can go further

[@mahendrabooopathym7862]

Sbi

[@fullforcearun]

SBI is 8.5 min

[@Jamesbond-bx6qm]

😂lol😂

[@agschairs]

If you buy 50 lakhs in full cash no need to pay any interest If you buy in emi need to pay double of loan amount After 25 years definitely building and land value cross above 2 crore so no need to worry Pls invest in individual lands don’t buy flats In 1976 we brought land for ten thousand now the value 3 crore We take home loan for 20 lakhs and paid more than 25 years including interest 40 lakhs So we paid total amount 40 lakhs and 10000 Now building value three crore Now if we sell we will get 2.5 crore gain So don’t think investing in land and gold definitely you will get profit 3 years before brought gold for 3 lakhs Now sold for 5 lakhs

[@njoye]

Ellame nalla sonniga anda balance amount 4000 ah yedhula investment pannanumnu sollunga

[@gomathivina4463]

What a clear explanation sister. Way more to go❤️

[@rishicar100]

மிடில்கிளாஸ்க்கு வீட்டு கடன் சொல்லுங்க சிஸ்டர். பத்துலட்சத்துக்கு சொல்லுங்க. நீங்க சொல்றது பெரிய பணம். எங்கள பொருத்த வரை 1,00,000 மே பெரிய பணம் தான்.

[@Erukkambu]

மேடம் வணக்கம். அறிவு சார்ந்த பதிவுகளுக்கு நன்றி.ஒரு doubt.emi save பண்ணிய 4245 க்கு 25 வருடத்தில் 56 லட்சம் கிடைக்கும் என்றால் நாம் கட்ட போகும் emi 24698 ரூபாயை அதே 25 வருடங்கள்(300 மாதம்) கட்டிவந்தால் உங்கள் கணக்குப்படி 10% return 4245 க்கு 56லட்சம் என்றால் 24698( emi)க்கு 6 time 33600000 அதாவது மூன்று கோடி முப்பத்தாறு இலட்சம் கிடைக்குமா.+ 56லட்சம் கூட்டினால்?😮அப்படி கிடைக்கும் என்றால் வாடகை வீடே best தானே.என்னுடைய கணக்கு தவறாக இருந்தால் மன்னிக்கவும்.ந

[@anaanthimy8100]

மேடம் இடம் வாங்குவதற்கு loan கிடைக்குமா கொஞ்சம் சொல்லுங்க

[@sarank3160]

Ma'am... Home loan under construction property related videos please

[@user-fc2ge1kg2c]

Namma valarapa veedu Kati eruka nalla idea solunga. Plot with construction loan pathi solunga

[@christopherjegans2350]

Mam, educational loan ku evalo rupees kattanum nu idhey pola calculate panni sollunga please

[@sridharanraju2286]

The interest will not be 200000 for the entire 25 years. The tax savings eventually reduced year by year

[@MariPraveena-zh8tt]

Tax saving of calculation correct amount mention please impossible point

[@magamathi941]

Please reply madam. நான் வீட்டுக்கடன் வாங்கி வீடு காட்டியுள்ளேன் கடன் தொகை 800000 இதுவரை மாத மாதம் emi சரியாக காட்டியுள்ளேன் 2017 கடன் வாங்கி தற்போது 2023 டிசம்பர் இறுதியில் முழு கடன் தொகையையும் காட்டியுள்ளேன் எனக்கு வேறு ஏதாவது கூடுதலாக பணம் வசூலிப்பார்களா ? ( ஏன் என்றால் அவர்கள் கொடுத்த தவனை வருடங்களுக்கு முன்பாகவே என் கடனை முடித்துவிட்டேன் அதுவும் இந்த ஒரு வருடத்தில் வெளிநாட்டில் வேலை செய்து கடனை அடைத்து விட்டேன் எனக்கு பத்திரம் உடனே கொடுத்துவிடுவார்களா ?)

[@dhanaselvi.r9913]

Please explain about mortgage loan madam

[@aglslogan]

1)If we are not tax payer??? 2) if we r having 5lks then who will get extra loan??? 3) rs 4245 can be paid additionally with EMI (for principal)

[@jayagarans5794]

Calculation is wrong I think, you are telling 1.5laks interest not able to pay by avail tax benefit. But the actual thing is that if I am in 20% slab I can get 30,000 only. Any thought

[@kabilanarul2023]

Hii aka i am kabi, from trichy onga district than, one doubt correct ta investment nu sollurigala atha pathi kojam nalla sollurigala na neriya videos pathen sip or mutual fund and investment pathilam ana avaga romba deep sollaa antha company la evlo returs kudukuraga atha pathi than soluraga, i am in village inga bank mattum than iruku but investment interest iruku, neega good and safe platform suggest panuga pls😐

[@satbabu4679]

As per new tax not considered any home loans by Indian government

[@umavathi4717]

Hi Yuvarani I'm personel loan innum 3 years kattanum athaiyum kalichutu home loan tharuvangala loan vangalam I'm confused. Plz explain pannuga plz

[@jebinrbz2667]

Idhu vadivelu sonamadhri iruku tamilnada kondu poi delhi pakathla vachuta yella salugayum first namaku kedachrumlenu solramadhri iruku😂😂😂

[@mohamedshameera89]

Bank la loan 20 lakhs eduthuttu part payment konjam konjama pay pannitae varum pothu principal amount less aagum appati aagum pothu rate of interest la monthly emi bank edukum pothu monthly monthly 20lakhs ku rate of interest edukuma ? Or namma part payment panni principal less panni vadjiruppom la athuku rate of interest vanthu edupangala athu pathi video podunga

[@kanagarajv6100]

CALCULATION OK ITHUKKU RENT IKKU POITTU MICHATHA SAVE PANNI INVEST PANNA EVVALAVUNU KONJAM SOLLUNAG MADAM

[@kalingaraninagarajan3624]

Hi, mam nanga bank la vittu patharam 2005 la vachom. Nanga full payment katti mudichi patharamum vangitom. Recent ta atha ye thambi peruku mathaponappo antha bank la loan account close agama irukkunu solluranga. Bank la ketta delay pannuranga. Ethukku yethavathu solution iruntha sollunga sister

[@anmuthuverrappananmuthuvee7135]

DEAR DAUGHTER, U HAVE PRESENTED WELL,BUT CALCULATION IS MANIPULATION

[@kaliyaperumals8675]

Madam thanks for the information unga video yellam romba usefulla irrukku continue va puthu puthu video poduga

[@ffreedomapptamil]

Kandipa

[@diymakeself]

இவங்க சொல்லுறத கேட்டு மனதை தேற்றி கோல்லவென்டும்...

[@ilayaraja7320]

நீங்க சொல்வது உண்மை தான்

[@thalapathyfannipunan7879]

bankku kuduths 5 lakhs amount kku interested enga sister?? 12+extra one-month emi pay panna interest years less aguma???

[@progamingtamil4209]

That remaining 4 thousand rupees where we have to invest for that you itself give good idea

[@yazhiruthran1273]

நி என்னம்மா.. என்ன என்னாலும் சொல்லுலாம்.. இன்றைய நிலவரம்படி தவறான கணக்கு.. அப்டேட் ஆகுங்க.. உங்கள் முயற்சிக்கு வாழ்த்துக்கள்.. Totally waste of time for me..

[@BALUBALU-fd3uv]

Hai yuvarani. nalla pathivu thank you

[@shajakhanksha4818]

Already loan eduthrntha atha epdi tackle panni intrest kammi pandrathunu solllamudiyuma

[@johnmathew9866]

Sis intha video full ah patha nanum home loan vanki irukan. Ana tax benefit pathi yentha bank solrathu ella athu ye nu therila. Ippa na yeppdi tax benefit vankutayhu

[@pravin6499]

If we keep live at rent house, 10k per month, and we would've invested 14k per month for 25 years, we will get more than 1.2 crore nah

[@arsars2551]

லாரி பஸ் பெரிய வண்டி கடனை அடைப்பதற்கு இதுலயும் வட்டி அதிகமா இந்த பயணத்தை பற்றி ஒரு வீடியோ

[@karthikeswarannadarajan5029]

Investment panna sollurika nu puriyuthu,but correct investment ethu nu sariya sollurikala,adutha vedio la solluvika appadithana

[@ponvalli3914]

Hi mam useful video mam thank u but 12 lakhs vangirukom home loan tenure 20 years engaluki tax benefit iruka mam rate of int 11.5 ku poiruchu rbi oda home loan tax percentage eppadi terinjukanum

[@thilakkumar3042]

Sari ga Madam ...antha 4245 ethula Investe pana niga sollra ammount kidaikum ...solluga Mam

[@theivaraj4540]

Hello sister neeinga FM la work panningala

[@Mohanrajrajipriya]

Tax benefits wrong calculation I think apdiye fulla tax pay panna venam nu rules or order iruntha mention Pannunga

[@maheswaris3779]

Sis filpcard la personal loan tharatha soluranga atha paththi oru video podunga sis

[@thalaabineshabinesh6355]

Entha mathiri ideals lam bank karanga pannama Namakku ethukku loan kudukkuranga ?

[@Vijuramvijay]

Hello madam nenga solrathu ellam monthly 75 to 1 lac varikum salary vanguravangaluku sari 40 thous vanguravanku etu possible le illa 20lac loan vangana illa

[@moblezone]

Enakku collegela patam natathunale puriyaathu neenga nalla panreenga

[@satheeshkhumar8250]

10 lakhs edutha eppadi interest save pannalam madam 😢

[@Everything-Temporary]

Akka ennoda home altrate pananum maybe 5 L theva paduthu.... Bank la epdi approach pana loan kidakum...... Government schomes ethachum iruka.... Plz solunga

[@GiftsonJacob]

GST is not included in this calculation

[@antonyrajhdfc]

Heading ah mathuma... Tax benefit ah solrathuku... Ippadi oru puthu method.... Inappropriate thmpnail and heading.... Sathurangavettai... curiosity...

[@vpsm439]

Very nice idea mam suppose 5 laksh we don't have that case you have any idea

[@logaraj6938]

But you twisted the people's mind, you missed one thing on the investment example if person put it on the mutual fund means Long term CAPTIAL gain tax we have pay right

[@balajik922]

Neega sollradhu la ok tha akka adhula 4000 invest pannradhu nu sollaiyea adhu sonna ellarukim usefull ha irukum

[@karthyraju3183]

Okay sister this loan plan tax pay pannuravagalukku only tax pay pannatha normal people ku idea solluga

[@abiramsundarraj6819]

8% interest rate entha bank la kudukkranga nu sollunga, vaangikkure naan. Credit score 878 irukku enakku... Also Returns kku taxation calculate pannanum la?

[@miclingeo8259]

Now it's a minimum of 8.95% and the max is above 11%. Loan under women name might be of nearly 7%. As it is floating interest they will increase the interest in 3 months

[@Yas_Garments]

SIP la risk irukka ??? Adha pathi 1 video pannunga

[@vimalsidhartha7625]

How to calculate saving bank a interst teach us

[@gks8497]

Daily salary vangura aatkaluku loan tharuvangala athuku vali iruka sollunga please

[@sriniveselvanm3850]

Sisterrr such a pricess video .. Note : i watch this video at 1:51 am , with out any distraction sucha informative video.. Thanks you much , hope i utilize this in crt way .. 🎉🎉 Thnk you so much sister ..

[@vijaym15809]

Sis நான் weekly emi, 28 days loan ன்னு 5 லோன் இருக்கு அந்த தேதி அடிக்கடி மறந்துடுது so என் emi தேதி நியாபகம் வைத்துக்கொள்ள emi table android app இருக்கா? Pls share this details. இந்த தகவல் என்னை போல் பலருக்கு பயனளிக்கும்.

[@jeevithamuralikrishnan6661]

Which is the best place to invest that 4000rs. Because the returns what you are telling is too much high. Other than Share Market can you please explain where to invest.

[@ShanmugaPriya-hi8dg]

Index fund

[@vinothraja8971]

SIP - Mutual Fund ❤

[@ganeshmurugan8351]

EPF (8.33%)

[@muthusamy2761]

New regime tax slab la no deduction for home loan, right ?

[@miclingeo8259]

Yes.. opt old regime