Loan Amortization - வட்டி Vs முதல்

[@InvestmentInsightsTamil]

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[@pavithrasellaperumal7675]

I was just thinking about this topic with excel sheet and explanation, there you are with the video already !! You seem to be reading our minds :) Great video sir!!!

[@sriramsekar8251]

Sir, I was already aware of this concept but I closed my loan by the time I realized it; however, you have made it simpler for everyone. Great. Need more such videos rather than focusing on stock markets

[@RajagopalSankaranarayanan]

We call this needs analysis in instructional design . Excellent way to capture the needs and creating useful content. Thank you sir.. I aspire to retire like you ❤🙏🙏

[@sathiyalingam3844]

Important calculation for every one even for maths teachers...😂

[@shaikl.abdullah6720]

சார் சூப்பரா சொன்னீங்க thanks சார்

[@theVinoth]

How to become the big bull of a share market.... series podunka

[@karthickselvaraj736]

Sir!! seriously this is much much more important video sir. I'm living in abroad. Apart from my all other commitment, my first intention to close my PL asap. Your channel is always my virtual mentor for my financial journey. Thanks for inspiring and motivating us!! ❤️❤️❤

[@InvestmentInsightsTamil]

Glad to hear that.

[@VijiJag]

Simply super Mr.Vijay Mohan

[@balajia3592]

Nice video sir. I learnt this in a hard way by unnecessarily paying so much of interest to the bank though i had money. Wish i had known this earlier.

[@agroheritageculturetourismtalk]

சிறப்பு 🎉

[@guruparan7510]

Thanks for the video sir, you have very well explained loan amortization.. you did not used the word "snow ball effect " but you explained it intrinsically in your video

[@nocontent2027]

Sir, I'm a huge fan. Please, keep going ❤️

[@chaipizza6756]

This is such a eye opening explanation. I am one of the person who chose Loan B :)

[@gajendranc8585]

Really an useful information.

[@prabhus3737]

Deivamae.... ❤❤❤ very informative.. Today i learnt a lot..

[@FouzulKareem]

Oh Thank you for this video. Could you please explain about fixed and floating interest rates. Most of the times, it plays major decision while taking a loan.

[@jmadoss9366]

❤super cute idea sirji good explanation guruji

[@SRIVENKATASubramaniyan]

Hi Vijay!! Amazing video with great content. Can you make a quick video on how you use to make these calculations (eg: CAGR, Basic useful charts)? Really would appreciate :)

[@deebeckraj2869]

Hi Vijay Great explanation about loan amortization. If possible could you explain us the difference between investing in multi asset fund vs index fund in long term.. Would be helpful.. 🤝

[@paarumahi]

As usual very informative one… could to create the video about how to calculate annual Savings rate with respective of both Pre tax savings ( 401k, IRA) and After tax income Savings?

[@karthikeyan-bd2tk]

Hi Vijay Anna, how r u... Plz do vedio often or just speak wtever u like... We just want to see and hear you...

[@robairtrader]

Sir .please make video on different type interest rate like variable,fixed, floating etc

[@dineshwaran8174]

Hello Sir, Though I know the answer and the logic I still watched it as it is nice to see you explain with excel sheet. I would like to know pros and cons of buying vs leasing a new car. Could you please provide your thoughts?

[@mathura124]

Sir, Do we have SWP plan in USA?

[@lakshmishree6876]

Can you make a video about flexi cap MF? Is it right to invest in it for a long term through SIP? came across quant flexi cap fund. What's your view about it?

[@Mylife01759]

Best explanation

[@angel04chanu]

Please explain about usa home loan concept, i think it does not work like you said

[@justbe3708]

அந்த தப்பா பதில் சொன்னதில் நானும் ஒருத்தன்.

[@InvestmentInsightsTamil]

We all been there. Done that. The Key is, we are learning every day. 🙂

[@SubramanianKrishnakumar]

Thanks as always for explaining in layman language Sir. I have couple of questions related to this, 1. If I go for 30 years loan but start paying additional principal every month so that I payback my loan in 20 years, would it be same as a 20 year loan for same rate? 2. I pay loan EMI for my current home. Then I buy a second home whose EMI is equal to rental income of my first home. This way I get to own 2 homes by end of EMI period, but pay EMI of only one home. Is this an attractive investment option? The additional investment I have to put down is the down payment for second home. Your excel sheet explanation would help a lot, in understanding the pros and cons of such investment option

[@InvestmentInsightsTamil]

1. If your additional payment makes up for the monthly payment of 20 years, then yes. If your additional payment is more than that, then you will close your loan sooner than 20 years. It depends on how much you are paying as additional payment. 2. Essentially what you are saying is, if the rental income from a home is higher than the EMI of that home, is that a good investment. Just from that fact, Yes. But it involves lot more than that - the maintenance cost of the home, property tax etc. You need to check the total cashflow going out(expenses) with total cashflow coming in (rent).

[@SubramanianKrishnakumar]

@@InvestmentInsightsTamilGot it Sir, that simplifies to decide if it’s a good investment decision

[@aravindm681]

Ella sir sila bank la intrest motha six month erite poguthu apram kuraiyuthu. 😢. Ithu enna fraud thananmnu sollunga. Neenga solrapadi asal koranja vatti koraiyum la aana adhu ella. Ennodathu EMI dhan.😢

[@prajan5971]

Thank you Vijay 😊

[@rajeshmurugan2499]

Nice

[@franceshironkbd350]

Very good explanation bro , what about taxation in Europe? Specially in france . Nobody is here to explaining. Can you please do it for us . Thanks

[@InvestmentInsightsTamil]

I have no idea about Taxation in Europe. Sorry.

[@kenasprabhukenasprabhu9781]

Vannakkam Sir Please give some investing book list Money related book Financial behavior book Stock market book Economic book Foreign & India authors Thankyou Sir

[@dkkalai223]

Thank you sir 😊

[@Dharam322]

I am 64 till date no loan/ no EMI / No credit card. Any major expenses like new house etc was well planned & execute

[@puthiyavaputhiyavan]

worth watching thank you sir

[@IdealInvestIN]

FOR THE SAME SAKE I OPTED TO REDUCE MY PRINCIPAL RATHER THAN TENURE REDUCTION FOR PREPAYMENT AS WELL INTEREST RATE REDUCTION

[@dhanvino3970]

Which loan

[@boomakarthikeyan9292]

My v3ads company scam pandrangala anna. Please explain pannunga

[@xnivaxhzne]

Annachi, so for a given loan amount, given intrest rate and given period, the emi will always be the same. But unga example la, 12% dradhu 1Y intrest or absolute interest for 3Y? Can you shed some light on the interest rate? Because most of the time the lender won't speak in interest basis. They tell you the emi amount and the months. But how can I compare it to return on investment if I had invested the same amount for same period? Because it is more like an reversal of RD right? Then will the RD interest rate and the emi interest be the same?

[@xnivaxhzne]

I tried calculating myself. From your example, Initial loan: 1L Period: 3Y EMI: ₹3,321.43 Loan Interest: 12% SUM of 3Ys of EMI : ₹1,19,571.48 Absolute INT: ₹19,571.48 So, Absolute INT for 3Y is 19.57% When I calc CAGR, it is 6.14% and which is what I would be getting if I had invested the same EMI in an RD right? Means, from the perspective of the lender, he got only 6.14% as CAGR which is not so good?

[@InvestmentInsightsTamil]

If you are paying off the loan every month, then the invested money for the bank is going down every month. Your CAGR assumes that they are invested 1 lakh for all the 3 years. For return comparison, we do not have to do anything complicated at all. We have to just compare the interest rate to the return potential of our investment. That is all to it. Equity market return of 12% is comparable to this interest 12% in the example. But the equity market has risk on its return potential. But this 12% interest is something that we have to pay for sure.

[@xnivaxhzne]

@@InvestmentInsightsTamil got it. I missed the point that we would be repaying the principal every month some percentage. So, we can't compare EMI with RD or something. This 12% can't be compared to anything in investment world. It's just a special 12% for EMI world.

[@vaasant10]

Hello Sir, my age 40 lla than settle'd all my loans and father's loan. from (- minus ) in now in a 0 scale. Innimeay than + start pannanum. any advice to me or ppl like me.

[@InvestmentInsightsTamil]

Better late than never. Start with the financial planning episode in this channel. Good Luck!

[@thatsoneminuteCUT]

Thanks

[@ashwinthanaraj8590]

Can you share the sheets used in the video? Thanks in advance :)

[@InvestmentInsightsTamil]

Check the description.

[@ashwinthanaraj8590]

Thank you so much ❤🙏

[@vasanthdurai6612]

3321 emi amount athu epti calculate panrathu sollugga...

[@InvestmentInsightsTamil]

Check this calculator: emicalculator.net/

[@bharathvajkm5650]

Nethu dhan idha pathi yosichittu irundhen

[@sivashankarbalasubramanian3244]

Where can I access your quiz?

[@InvestmentInsightsTamil]

Check the posts under community page: www.youtube.com/@InvestmentInsightsTamil/community

[@kesavkumar7365]

Thank you sir