INTEREST FREE CAR LOAN TRICK WITH SWP| BUY BEST CAR |value of car you can afford as per salary

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INTEREST FREE CAR LOAN TRICK WITH SWP| BUY BEST CAR |value of car you can afford as per salary
Buying a car is, without doubt, a big investment , it’s quite likely the second most expensive thing that we’ll buy after a house. But more than that, vehicle purchases are also frequently motivated by emotional factors - I’m sure you had a dream car that stays rent-free at the back of your mind! Price of the car should be equivalent to your gross annual salary. Ultimately, make sure to be honest with yourself because car purchases are medium-term commitments that can significantly impact your financial wellbeing for up to seven years (depending on the tenure of your loan).
00:00 Introduction
04:33 What is 20/4/10 Rule
06:04 What is 10%/5/20% Rule
13:06 End
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About Bhaven, a Certified financial planner
Bhaven, CFP is the founder of The Art of Wealth Building, a financial planning firm that helps professionals make mindful decisions with their money and strategically use their incomes to achieve financial freedom.
He started a KZbin channel with a vision of spreading financial literacy, he started this mission in November 2017 and within the span of 5 years he has more than 2 lahks + subscribers and over 10 million views on his KZbin channel “the art of wealth building”
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• Personal Finance

[@TheArtOfWealthBuilding]

✅To Consult Bhaven, CFP for your personal financial planning, click on the below link wa.me/919004789500?text=consultation%20details ✅ Or WhatsApp on - 9004789500

[@Ayush-yn3np]

This is baseless comparison. If the second guy is not buying a car he will be using some other transport facility and that won't come for free. Office cab facility is limited to official use. For personal usage other means of transport will be required. If u are taking an example of a corporate employee with office cab facility which means he is definitely at some mid level role. Earning at least 12lpa + in that case he won't be using public transport for personal use. He would prefer a cab/uber. His personal trips would cost something please include those in ur calculations. Plus the comfort of having ur own car is incomparable to a cab/public transport. U might keep ur car clean but the cab might be old and smelling bad, poor quality interiors since it is used by 100s of people daily. The joy of listening to music at your preferred volume cannot be experienced in a cab. Have u ever owned a car that u are even making this comparison. Own car even a small one is anyday better than any public transport. Everything cannot be calculated in money terms bro Anyways keep making such videos and discourage people to own a car. Then only we car owners will continue driving peacefully on whatever roads are left for us. We existing car owners are driving at the cost of other people (who can afford a car) not buying cars😂

[@harshgurung4136]

agree

[@vikomwoods5898]

Very well said

[@PR-ol2hr]

Before covid I bought alto k10 vxi model at 450000 with 100% financing from bank..I had 1 lakh rupee at that time but I didnot give any downpayment..I invested that amount in pharma company during covid and sold in 2022 with 8 lakh in hands..car free ho geya..

[@raghavbansal3871]

Wow super

[@PR-ol2hr]

@@raghavbansal3871 Thank you..

[@souravmridha9719]

What is the name of this pharma company? Umm, i guess our well known "Laxmi cheat fund" am'i right??

[@PR-ol2hr]

@@souravmridha9719 its laurus lab.If you donot know stockmarket then you should satisfy yourself by taking cheat fund name..

[@chetanyasaini3899]

Same mere pass 6 lakh hai 15 lakh ki car Li 90% loan aur unh 6 lakh se he emi jari hai 😂😂

[@deepakn6835]

This rule is totally impossible. Then no one able to buy a car

[@mylifemymoment7425]

Backwash rule h

[@Nani_pavan95]

Absolute scrap ,30lpa person can afford ~9lakh car (which is worst possible choice in safety standards)

[@kaushikdas7485]

Also why should someone with 30lpa get a 4year loan and buy a 9lakh car. Loan is a trap so why should someone get to it and that too for 4 years. Such a scap rules and also why I am I watching 🤦

[@abhishekrajora9176]

Agr cash hai toh Car full cash pe lete emi wale amount ko i.e 17500/- SIP me daalte 12% se bhi grow krta to 14.5lakhs hote hein… itna drama kyu hi krna

[@khonbhoi77]

Every thing cannot be measured in term of money, what about the experience of owning a car, the comfort you get by having your own car you are flexible you can travel where ever you want. I think buying car on emi is not a bad thing if you are calculating your income and make sure you can pay emi on time.

[@prashanthmba]

Sahi Bola Bhai

[@joy2soul]

May I know your age? This was exactly my thoughts 20 years back. Now I am 47 and complety agree with this video.

[@user-jx2vt4ho6p]

With 20L package you offord only Alto topend model😅

[@TheArtOfWealthBuilding]

😷

[@raghavbansal3871]

Technically

[@mayurkumar1102]

😂😂😂

[@bhupatipradhan2211]

😂

[@kartik123007]

Bnro please explain the logic of the rule. Then only we will be motivated to follow it.

[@moneyguru9474]

According to your Video jiski income 60K hai toh vo 2,86,919 Rs ki car hi le 😂😂, Jara aap bata dijiye Financial Planner ji , ki konsi Car ayegi 2,86,919 Rs may 🤐

[@abhisektripathy92]

They should not buy a car at this income level. Car is beyond their reach. Should focus on increasing income and then buy car as per the same rule

[@moneyguru9474]

@@abhisektripathy92 meri hi income 60,000 thi Lockdown may aur maine bhi SIP aur SWP se Free may hi padi Car vo bhi Ertiga , toh enka plan batane ka thoda ulta hai , ab maine bhi Sirf Mutual Fund may investment karke hi Ye amount ka 5 saal may Car free bhi kar li aur vo SIP + SWP ki value aaj 80 Lakhs + hai

[@user-fp6lt5db3d]

Toto kharid sakte hain 😂

[@SuperKnights-Gaming]

Logical bolo bhai... 1 Lakh 20 hazar monthly kamane bala 6 lakh ki gadi lega ? Kya fayda pesa kamane ka phir... Pesa kamao aur invest karo ye hi life hai kya?

[@johnnywalker5108]

Mat kharid kaun force kar rha hai​@@SuperKnights-Gaming

[@satishgorti7941]

Very Informative...thank you

[@IndianFarmersHome]

Bhai kis calculation pe 60k 5 yrs me 9.5%interest pe 12Lakh ho jatr hai??

[@darshantj6650]

Not possible

[@harshgurung4136]

Should I take education loan for my son's college or sell a plot which is showing appreciation of 15% per annum? Please answer.

[@raghavbansal3871]

Great question sir

[@akshithhegde3985]

in my opinion don't take education loan and don't sell your land too.. today what you spend on education will not give a good pay job.. so try not to fall for this trap.. becoz you and your kid will be under pressure to repay the loan..try joining Infosys if possible they sponsor the education but you have to work for certain years in the company.. which would be a win win position for you.. kid earns and complete higher education with out loan.. you save the land bought I hard earned money

[@harshgurung4136]

@@akshithhegde3985 useless advice.

[@anandrajsinhjadeja5858]

Bhai mere car he to imarjancy me kahi bhi ja sakte he kishi se mangni nahi padati or ham amne timing se kahi bhi ja sakte hr

[@shoaibshaikh5730]

Car is a necessity now a needs not luxury. A person who earns 12LPA can atleast afford 9L rs car without any financial problem..

[@sunilkumar-yk3mh]

Koi fix income na ho to kaise kya kare, construction work hai is year me 2 makan bana kar sale kiye aur last year kuch bhi nhi kiye to kaise kare

[@shubhamsagar3618]

Kitna paisa kamaya

[@askkalgutkar8149]

Bhai kam se kam percentage to badhao is mehangai me, 1 Lakh per month salary ko 8 to 10 Lakh ki gaadi purchase karni chahiye. Aap k hisab se home kitne me build karna padhega,,,Thoda soch badlo Sirji...

[@crazyyoutuber6780]

I was wondering ki kaunsi aisi investment scheme hai jo guaranteed 9.5% return deti hai, without and risk factor.

[@abinashjena4385]

This rule has no practicality...please research once again and make a feasible video...

[@amirshaikh3975]

Sir aap ko SWP karke 1 lack ka profit hoga, but tab tak 10 lack ki Car ki Price bhi at least 1 lack se increase ho chuki hogi.

[@alwayscreative4874]

my monthly Income 30000 i bought alto k10. monthly emi 7k

[@raghavbansal3871]

Sir I purchased a car of 14 L and made 8 L down payment and 6L loan at 8.9% for 3 years. And made an FD with the same bank for 3 years amount to 8 L. Sir will this option be good .

[@anshumanbansal7300]

Bekar decision h bhai isse acha cash pr gaddi utha lete zadda fayda hota Practically socho FD ke baad bhi tumko 1-2% interest dena pad rha h aur tumhare hath me paisa bhi nhi h kuch emergency hui cash ki need hui fir ghumte reh jaoge paiso ke liye FD tutvaoge aur lose khaoge Do hi option best h yaa to cash gaddi lelo yaa fir tumhare pass total 16L hi cash h to bakki 8L savings account me rakho Aur ye chutiye log kabhi nhi btayege bhale hi 5 saal baad tumhare 14L wali gaddi 8L ki reh jayegi lekin agr 5 saal baad tum same gaddi lene jaoge tab tumko vo kam se kam 16-17L ki padegi btao fir kya kroge

[@raghavbansal3871]

@@anshumanbansal7300 bhai aapko jaankari Leni chahiye. Reducing loan hota h ye iska 3 saal m total 88000 interest Jayega. Aur FD ka total 3 saal ka compound 1.30L interest ka aa jayega bansal ji. Baniyo par doubt mat karo sarkar.

[@anshumanbansal7300]

@@raghavbansal3871 bhai tumhare baniye hone pr sach me doubt ho rha h loan tumne 6L ka lia h aur FD me 8L dale h, of course FD me interest amount zadda milegi ek bar 6L ki FD ke according calculate krke dekho fir bolna

[@anshumanbansal7300]

@@raghavbansal3871 bhai mjhe to sach me tumhare baniye hone pr shak ho gya h tumne 6L ka loan lia aur 8L ki FD kri, of course tumhara interested amount FD ka hi zadda ayega ek bar dono values ko same lo fir calculate krne btana kaha fayda hua aur kaha lose

[@abhisheksrivastava9016]

Best video for car purchasing

[@Diwakarkanathe]

2.5 ctc wale q dekh re h ye video

[@user-jx2vt4ho6p]

XUV 3X0 dekhe buy karneka plan kiya h😂😂

[@himalayanraws]

Ab yeh video dekhte huye khudko lachaar feel Kar raha hoon As I already booked 3x0 and my salary 50k😢

[@rageshgangan]

@@himalayanrawsme too in that list bro, booked ax5 L with 70k salary 😢

[@mayanksingh8840]

bhai daam badha dete hai Mahindra waale bohot jald to lelo jitna jaldi ho saks

[@bikramjeetsinghbrar3123]

Fer to koi bhi alto se aage nhi jayega

[@yogesh5028]

पहिले व्हिडिओ के ऊपर जो पॉपअप चला रहे वो निकालो, चार्ट कूच भी नहीं दिख रहा

[@pradeepsharma3782]

2.8 lac me kaun si gadi mil rhi h please tell me. Jiski salary 1.2 lac per month h vo car loan kyu lega saving karke pura cash me le lega kya vo saal ka 8 lac nhi saving kr sakta kya. Tum to aisi financial advice de rhe ho admi kabi life me kuch le hi na paye. Note- Be careful from झोला छाप advisor.

[@clashwithrwnl138]

yeh calculate already ki mein ne, loss hi hota hain! loan mat lo kabhi bhi agar fayde mein rehna hain to.

[@MoizAli1820]

Need ua suggestion. Mae bhi car lene wala hun loan par, can u plz let me know loan kyu nahe lena chahiye. Bataiyega It will be helpful..

[@veer_90]

30lac per annum wale ko keh raha 10 lac ki car pe dimag sahi hai ki 30 lac saal wala kam se kam 20 lac ki car leta hai ar wo bhi aram se

[@clutchlessishu5015]

100000 ko bchakr kya krega bhai 5 saal baad vohi gadi 2 lakh mehngi bikegi fir le lena usko

[@dhsam100]

भाई बैलगाड़ी ले ले क्या इस जमाने मैं !

[@focusstudyassam3511]

Bhai is hisab se to mein kabhi car buy hi nehi kor pauge

[@johnnywalker5108]

@@focusstudyassam3511 mat le bhai bahut log nhi lete car, car ke bina mar thodi jayega. Paisa bacha ke rakh bure waqt me kaam aayega aur bure waqt me car ki jada dikkat ho to cab kar liyo.

[@Johnwick78y]

Avoid purchasing Suzuki/Hyundai cars due to their low safety ratings in India. Opting for a vehicle with a 5-star safety rating is recommended to minimize the risk of fatal injuries in unexpected accidents.

[@clutchlessishu5015]

or apni monthly income bhi bta de

[@daljeetdanny5]

Bhai aise toh koi car ni kharedega, failure

[@yashwantsahu6965]

Bakwas

[@TheArtOfWealthBuilding]

Thank you sir

[@shivamrathore6876]

Agar monthly income 28000 to wo kaise kya kre

[@johnnywalker5108]

@@shivamrathore6876 car ke bare me nhi sochna hai. Paisa बढ़ाने ki soch car khud aa jayegi

[@user-en3sw9wu2s]

😂 train hi option hai iss hisab se

[@sunilbasfore4519]

Boring 😞 video

[@cookwithtanzeb6052]

Tere hisab se koi car hi nhi le payega be

[@hemvatisingh7313]

Sir aap ne bilkul bacchon ke language mai sum jaya hai is he Thara samjaya karo 👍🏼

[@jayeshrathod1261]

❤❤❤

[@TheArtOfWealthBuilding]

Thank you sir

[@mayurkumar1102]

Nhi honi chahiye, nhi honi chahiye, yeh sab bakchodi h 😂😂😂😂

[@prajwalshetty2047]

❤

[@anshumanbansal7300]

Bhai tjhe logo ko paise dene chahiye teri video dekhne ke liye 1% bhi koi sense nhi tha puri video me aur please mjhe btao esi konsi gaddi h jo 5saal me 70% depreciate ho rhi h??? Auro industry ka inflation pta h??? Aur jo tumne trick btai businessman log us trick pta nhi kabse use kr rhe h bss vo apna paisa kisi aur company me invest krne ki jaga apne kaam me invest krte h Bhai bss ek request h channel band krde Agr tere jese log bhi khudko coach bol rhe h tab to ho gya is desh ka bhala.