Lowest Home Loan Interest Rates - Fixed vs Floating

[@AssetYogi]

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[@kush.blackbelt]

Aap ne kaafi bohut important baat to batai he nahi, 1) are banks really honest to reduce intrest rates in floating Int.R when the rates actually come down, 2) what is the frequency of changing interest rates by bank 3) let's take example of 30Lakh loan for 20 years and work on calculations of this example

[@dr.devanshipatel155]

Easy to understand for even a layman 👍🏼 Thank you

[@pankajgambhir5771]

I was not aware about change in tenure to do adjustments in floating.. Thank you so much for sharing such informative facts

[@firojshaikh4199]

Dear sir, as today's condition which interest rate you suggest ? Floating /Fix???

[@vjkhandalkar]

well explained sir. Apne to pura concept hi clear kar diya. Very good work done

[@AssetYogi]

Keep learning Vijay :)

[@naveenmaan8662]

Very nice information Malik shab, aap bhoot hi usefully or Bariki se jankari dete ho, thanks

[@AssetYogi]

Dhanyawad Naveen :)

[@eddscall]

I have never seen a Floating interest rate reduce, it always float upwards weather its good times or bad

[@varunjoshi-b1o]

Great video Sir, explained without manipulation

[@montyR9]

this year it's totally opposite.. inflation at high market at crash .but still rates are increased..

[@arnavshresthrollno-132a9]

Well explained topic , now completely clear.

[@jyotimoi007]

Really good and informative video .Thanks !

[@vlogsbymaurya]

It's very important and interesting video.. Thanks Sir

[@AssetYogi]

Most welcome

[@sachinkumar-ms4st]

At present i.e in October, 2022, which one is better

[@AssetYogi]

Floating always

[@sahilmehta27097]

Floating rate of interest lenne ke 1 saal baad bhi change kar sakte hai fixed me?

[@guptarajesh25]

Please explain me about Floating Reference Rate for Mortgage Loan with home loan.

[@ankeshjarial6407]

Hii ...can u suggest which is better as per March 2023

[@waseem_27]

According to oct 2022 yahi lagta hai ki 2021 me interest rate 6.75 ke aas pas tha sabko fixed Lena chaiye tha

[@bhumikaagarwal708]

Sir...2021 me konsa choose krna chahy option..floating or fixed??

[@GaneshKumar-dt5od]

Floating interest rate is a Deadly trap by the banks... Never fall for it... Better go for fixed interest rate even if the interest rate is high

[@abhishekjogdand9389]

Thanku very much Sir For This Information 🙏🏻

[@Jaigurudevsatsangujjain]

Thank you so much for your helpful information,sir I want car loan please suggest me which will best fixed or floating

[@mayursharma2506]

Hi Mukul.. Is there benefit today to move home loan from floating to fixed

[@lovkumar1984]

Nic vido sir👌, which is bettr for 2022.

[@aaravmalhotra1613]

Thanks sir for your valuable inputs. Pls if possible make a fresh video on different types of home loan.

[@pawankumarhalwai8578]

In 2023 which is better fixed or floating? PLEASE SUGGEST

[@AssetYogi]

Always floating

[@kalimqureshi7629]

Thanks buddy for information

[@saylulifestyle8488]

Sir, mujhe new housing loan lena hai to aaj ki date main konsa loan lena chahiye, fixed ya floating .

[@dineshkumarnegi6861]

Aaj ki date September 2022 me kon sa Len fixed Intrest rate ya floating

[@user-aquanxt]

Very good economic explanation chart very good

[@m_a_solutions778]

Jb rate floating hai to Tenure par effect nhi ana chahiye. Jb bank EMI increase kr rhi hai to tenure kyo change kregi. Bank ek hi jagah se paisa wasool sakti hai.

[@jyotimishra9474]

Excel me interest calculation part samjhaiye naa floating or fixed interest pe

[@MrUjjainkar]

Thanks sir, but market for casting is too much malfunctioning for now, and critical to take decisions according.

[@darshan2926]

Very informative video. In this Covid situation should I opt for fixed loan? I am confuse between NBFC and normal bank can you please suggest? I am looking to buy my 1st house

[@ghankp]

I have same question for new home loan today.

[@supravatghara9455]

Always get loan from banks. NBFC have higher charges.

[@ManishSharma-hm2ju]

I took loan of 50 lacs,at 9 interest rate, for 24 years,the building is under development, as per requirement builder will ask for money, emi wld be 8500 per month till possession 2026, then it wld be 44000, next month I have to give 10 lakh through loan, now when to do prepayment.....

[@whenkey6047]

Good explanation bro even non accounts student can also understand thank u

[@AssetYogi]

Keep Supporting :)

[@whenkey6047]

@@AssetYogi sir now which is best please suggest me

[@venkatramana9554]

Super explanation. Very informative video.thankyou sir..

[@AssetYogi]

Thanks 😊

[@venkatramana9554]

@@AssetYogi sir I'm a railway employee with sbi salary package account. I got a call from sbi customer care regarding home loan. They are saying you are eligible for 100% home loan if u go for land+construction and processing is nil. Is it possible? Can we take/claim home loan including registration charges?

[@AdityaKumar-vc3tz]

Sir maine loan liya hai floating rate of interest liya hai 30 years ke liy but mujhe abhi loan tenure 15 year ka karna hai to ho jata hai kya

[@ratneshkumar7791]

Sir same problem mera v h

[@abhishekt800]

Very informative video. Clarified all my doubts 🙂

[@gyaneshpathak6803]

Many many thanks for valuable information

[@AssetYogi]

Keep learning 😊

[@saraboudhha3681]

Hallo sir,, kya intres rate agar kam hote hai to kya EMI kam ho sakti hai??? Krupya bataye sir,

[@mahendrasathe9159]

please make the video on flat interest rate and reducing interest rete and please show the comparison of flat and reducing interest rate

[@AssetYogi]

Topic noted.

[@AardhanaArti]

I planning to took loans in few days which one is good this time Fixed rate OR Floating . Please Respond

[@nehaknew]

So in these times fixed interest rate should be taken as inflation has just started rising Kindly suggest

[@AssetYogi]

Absolutely not.

[@swaroopdaiya2074]

Abhi 2024 mw lena h konsa lu floating ya fix

[@gopalpatidar2971]

2023 me abhi konsa rate lena chahiye,bataye

[@AssetYogi]

Always floating rate

[@gopalpatidar2971]

@@AssetYogi thanks

[@shivsagarmaurya704]

Sir abhi kon sa Home loan Lena chahiye today

[@hariombhatt6531]

Sir if private finance company pushing floating interest rate as per present so what can i take fixed or floating?

[@hareshlulia4005]

Can I pl suggest considering present situation whether one should go for fix interest rate or fluctuating?

[@henrycavill1601]

Expeditetools,com helped me financially .All thanks to them i got a transfer of $30,000 directly to my account .

[@RP-ol2gr]

LICHFL me floating system me interest rate yadi automatic km hota hai to bhi interest rate km krne k liye extra charge dena padta hai..

[@tejasseloskar1996]

Sir, jaise aajkal market ne home loan interest continue increase ho rha to abhi fixed ya floating interest le

[@AssetYogi]

Floating Interest always

[@aryathm9447]

Can a bank by law charge a fixed interest penalty of 2 percent?

[@luckysoni5168]

Bank Wale jab intrest rate floating hi dete hai jab intrest rate kam ho aur fixed dete hain jab rate high ho khaskhar sbi Wale customer nki sunte hi nahi hai

[@sportseye9832]

2023 me fixed interest lena chayiye ya Floating...?

[@AssetYogi]

Always floating

[@karpetushar9259]

Good job sir...👍

[@AssetYogi]

Keep watching

[@sj-mj5dz]

Sir ye sbhi types ke loan pe hote hai ye rules like floating interest rate me prepayment charges nhi lgte?

[@nihaljoshi]

Hello, Please suggest fixed or floating rate for CAR LOAN in 2023

[@AssetYogi]

Floating rate always

[@nihaljoshi]

@@AssetYogi Thanks Sir, My tenure will be 5 years and I may close it early

[@ManishKumar-bd7js]

Abhi home loan le raha hun sir kya karu fix intrest rate lu ya floting plz help me.

[@himanshuaggarwal2010]

Reducing

[@alpeshpatel8451]

Hello Sir... Maine Bajaj Finserv se Rural Personal Loan liya hai Loan Amount: 70,000.00 ROI: 25.00% Interest Rate Type: Fixed Tenure: 36 Month EMI: 3,403.00 Ye Detail Statement se li hai Lekin is hisab se 3403 X 36 = 1,22,508 ROI: 40.86% Hota hai... Kya aap muze Bajaj Finserv ki calculation Samaja sakte hai? Please Help me... Thanks...

[@AssetYogi]

70,000 ke loan pe 25% interest 36 months ke liye EMI 2783 banti hai. Aap ek baar company mein baat karein.

[@alpeshpatel8451]

flat interest bol rahe hai....

[@alpeshpatel8451]

Bajaj Finserv ne ye calculation email ki hai Please find below detailed Interest calculation for your reference Rate Of Interest(Flat)% -> 25%Yearly interest on loan amountLoan amount * Flat ROI / 100 -> 70,000 * 25 /100 -> Rs. 175003 years interestYearly interest * Tenure (In Years) -> Rs. 17,500 * 3 -> Rs. 52,500/-EMI amountyears interest + loan amount / tenure (In Months) -> Rs. 52,500+70000/36 -> Rs. 3,403/- Your reducing rate interest amount paid 40.8615% for 3 years(36 motnhs) will be equivalent to your flat interest rate 25%, please find attached Repayment schedule for your reference. Please refer the total interest amount paid at the end of your loan tenure You can refer the same in your statement of account sent every month to you on your registered email ID . Please find attached the same for your reference. For any further clarifications write to us at [e-mail]. Bajaj Finserv assures you its best service, always. Yours sincerely, Grievance Redressal Team Bajaj Finserv Ltd. 

[@jhumasarkar3101]

2024 floating or fixed home loan? please suggest me.

[@rewaleprasad]

But if we want to prepay our loan and inflation is at bottom.. bank will charge 2% for fixed interest rate... So wouldn't it b better to take floating rates at that time .. ?? If initially I want a small emi due to less income... But I am sure that I will pay a 10 years loan in 3 to 4 years... Due to increase in income.... What to do...??

[@igmaxwell3327]

Sir current market condition k hisab se fixed better h ya floating?

[@AssetYogi]

Floating most common

[@chetansharma-pk1rw]

Hi mukul I need suggestion..

[@vip1992able]

Aaj k scenerio me floating lena chahiye ya fixed?

[@AssetYogi]

Floating rate anytime

[@dharamsingh5728]

In 2020 which is better fixed or floating??

[@t.s.sharma6105]

Sir mene 2013 me fix interest rate per 20 years ke liye homeloan shuru kiya tha.ab es time kya mujhe fix se floting per switch ker lena chahiye ya nehi pl.butaiye.

[@dineshnaik4161]

Diff. Reducing n flate rate of interest plz make video

[@nishantsinghhayaran831]

Hi Mukul ji, what is your perception about interest rates of home loans in near future, will it increase Or decrease?

[@thegeniusgamingshorts3929]

Thankyou sir

[@shadabsiddiqui184]

Can we still have the option to choose fixed and floating? Because banks have linked their home loan rates to repo and mclr, can you please tell ??

[@DDN19]

Really appreciable information.... thanks you

[@AssetYogi]

Thankyou :)

[@sukhwinderbajwa6258]

very nice video thanks

[@AssetYogi]

Thanks Sukhwinder.

[@AhmadRaza-kg3pf]

Sir 2023me fixed le ya floting

[@AssetYogi]

Always Floating

[@taajthevlogger3198]

Abhi kya krna chaiye...After RBI update...Fixed ya floating ?

[@jayeshluhar244]

Very informative

[@sachinkumarpol72]

Good information.......👍👍👍

[@nikhilmaheshwari139]

Sir mera home loan floating hai air PNBHFL se hai aur Abhi uska ROI 11.2 % hai maine PNBHFL ko mail kiya to unhone bola ki apka 10.3 ho jayega aur 2500 Rs lagega lekin abhi to 8.5 % bhi mil raha hai aur mere CIBIL score bhi 799 hai.

[@Shubham12398]

Aapne kitne percentage par Liya tha bhaiya home loan or kitne deen me bda tha or kaise kiya or ab kitna hai

[@rafiquekhan5987]

Sir Meri age 50 years hai mera mortgage loan foloting hai, mere pass bank ke msg aa rahe hai, to Mujhe fix rate mai jana chahiye ya floting he Thik hai

[@sreekumark847]

Can I change my floating interests to fixed interests?

[@aimonivarietiesgiftcorner6841]

Am thinking about a HL from SBI , they offering floting intrest .there is a chance of increase in interest rate in future . Am scared what to do next ??

[@MathsGurujiNNautiyal]

Fix

[@jobandlearing4399]

Interest rate calculated in principal or outstanding balance monthwise

[@SanjayRathod-ct6qn]

Sir mere loan me abhi switch fee leke fix intereste rate kiya hai pehle intrest floting 14% tha and abhi 10% fix intrest hai to muze kuch samj nahi aa raha ki ye accha ye ya nahi tenure baki hai 6 saal please help loan amount pending hai 1200000 20/01/2023 tak abhi last month me

[@abhik8344]

Should I change my loan to floating as of now

[@SanjayAlbert]

Sir home loan 36l ka 24 y ke liye hi. But us ko paid agar 12y Mei. Kare to wo best hi ya 24y emi pay kare Taki tax benefits ho.. can y make vedio for that

[@truthbumb4348]

Could you please advise what will interest rate in current sinario

[@dkdscl]

Sir penal interest kaise bank calculate karti please batana

[@krishnaniceaccount9669]

Sir Aaj ki date me Market Crash hai but Infaltion High pe hai to is situatio me kya prefer kare FLOATING or FIXED

[@krishnaniceaccount9669]

Whatever the infromation you have provided this was new for me Thank you SO much ❤️

[@AssetYogi]

Thank you so much.

[@vijayparmar8438]

Abhi konsa int rate lena chahie

[@hemant3897]

Sir personal loan mai vi floating internet rate lena ka option hota h ky

[@Tanmay704]

Sir mein March'19 homeloan liya 8.65% floating mein but abhi 8.35% chal raha hein.but Bank manager bol raha hein EMI kom nahi hoga tumahara tenure kom ho jaye ga. A ka sahi hein..please suggest me?

[@VMohan-qf1rh]

Aisa hi hota h but aapko fayada h utna kam b toh dena hoga n tenure k Hissab se

[@harnoorsingh4773]

Sir Maine home loan liya tha 8.2 per annum par abb wo 9.5 ho gaya hai pnb bank se Kiya solution hai

[@mprathap1989]

Very impressive way of explanation sir thank you so much

[@rajkumaryadav2556]

I want 40 lacs loan.. Bought a new flat.. So going with hdfc. Should I take floating or fixed. Kindly assist

[@AssetYogi]

Floating rate is offered mostly

[@pawanjoshi7069]

Sir meri age 42 years hai mughe kaun sa interst lone lena chahiye , please gaide kijiye

[@kiranshrivas9196]

Sir. Veraiable ior ko change kar sakate hai kaya

[@manojnarula3327]

Sir please advise abhi current situation me fixed or fluctuating kaunsa best hai

[@tanmaybarua769]

2024 mai repo rate increase hoga ya decrease.. please said

[@biswanathjana1982]

Sir present time mai konsa interest rate lena chahiye

[@maheshsanjayahire6111]

Sir me abhi home lene wala hu to muze bank floating interest 8.65 de rahi he to me kon sa intrest choose karu please reply me sir

[@arjunchavda3001]

Bro konse Bank me Hm ko 10.75 deraha hai

[@hindustanjindabad8654]

jai ho jat mahraj,aapki video muzhe bhut achi lagti hai..i m nearby malik jat gotre

[@Ashish14101984]

Really helpful. Thank you Mukul!! One small question - Is there a possibility to negotiate fixed interest rates with banks?

[@AssetYogi]

No.

[@Ashish14101984]

@@AssetYogi Thanks!

[@aditya-xm3kb]

Sir,, my princile amount in March month was 8,89450. But on June 1st it is showing 8,92,264 after paying monthly interest of 7500..why this my principle amount got increased...can u help me out with this