No Interest Home Loans? | Smart Investing & Borrowing Explained | Warikoo Hindi

Make your own excel sheet calculations, here: bit.ly/3PwTSjg
Ever wondered if it's possible to pay no interest on your home loans? In this video, we explore how you can make your home loan effectively interest-free! We delve into the concept of a 'free home loan', where the interest you pay to the bank is offset by earnings from other sources.
We'll walk you through an Excel sheet that breaks down the math behind this concept. We discuss how you can leverage tax benefits provided by the Indian government on home loans to save money. We also explore how investing your savings wisely can help you earn money that can offset your loan interest.
Remember, the key to making this work is to take a smaller loan than the maximum you're eligible for, and invest the money you save. This strategy is why many wealthy individuals opt to take home loans, even when they could afford to buy a home outright.
Join us as we unravel the secrets to making your home loan work for you. Don't forget to like, share, and subscribe for more financial insights!
#homeloan #warikoo #personalfinance
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[@warikoo]

Make your own excel sheet calculations, here: bit.ly/3PwTSjg Get my new book 'GET EPIC SHIT DONE' here: ankurwarikoo.com/getepicshitdone Get my first book 'Do Epic Shit': ankurwarikoo.com/doepicshit Subscribe to warikoo Shorts for tips in less than 60 seconds: t.co/pMdPNe4Quf My Money Apps My Money Links Indian Stock Investing (Zerodha): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/37M1rik Portfolio Investing (Smallcase All Weather Investing): bit.ly/3u0is0I Life Term Insurance (PolicyBazaar): bit.ly/3XsEGWi Health Insurance (PolicyBazaar): bit.ly/46hvbNL Corporate Bonds (Wint): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU Crypto Investing (WazirX): bit.ly/3O4KC2 My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 Useful links: 20 books for your 20s: bit.ly/WarikooBooks 20 online courses for your 20s: bit.ly/WarikooOnlineCourses Gadgets that I use: bit.ly/WarikooGadgets

[@sumityadav9869]

महाज्ञानी मानुष इसके लिए सबसे पहले तो Extra Amount होना चाहिए दूसरा अगर हमारे पास Extra Amount है तो उसको Lumsum Invest करके बेहतर Profit क्यों ना कमायें प्रभु इतना फ़ालतू मेहनत करके क्यों थक रहे हो

[@SM-qo5qn]

Let me correct, If property value is 30 lac 75 lac (max loan 75%)

[@root_destructor]

esi chu....%iya video bnana band krde bhai

[@redeye4170]

4200 in SIP You will pay around 12 lakh and after 25 years you will get total of 56 lakh But if you will not pay that 5.25 lakh in down payment and invest it as lumpsum then After 25 years you will also get total of 56 lakh 😂😂😂😂 So why not to invest that 5.25 lakh

[@root_destructor]

@@redeye4170 bhai isne ye video bna kr prove kr dia ki 1 number ka xutiya h ye

[@vishwast8348]

1) take maximum loan : 37,50,000 2) The extra 5 lakh amount which was planned to invest to decrease loan amount, instead of that you do 5 lakh lumpsum amount in an index fund (12% return) which over 25 years will become 85,00,000 3) Interest paid over 25 years 49,32,932 4) Total amount saved on tax 13,89,905 5) Total amount saved over 25 years is 49,56,973 ( if return of 10% is applied ) then amount saved would be around 20,00,000 6) Here there WILL BE NO ACTIVE RESPONSIBILITY OF US INVESTING EXTRA amount monthly

[@narutozmk172]

Exactly what I was thinking and I can swear I saw a video of his earlier saying never to do downpayment. LOL, now i see why my friends dont like his views

[@hikundu]

Exactly, this is the correct approach for this scenario. 👏

[@jayvirrathi]

nowdays fintech influencers dont give proper knowledge because they have never got proper education themself but gives gyaan to whole world. next video will vice versa of above video which u perfectly mentioned on above points. for some views they fools/misguide the innocent viewers.

[@MultifacetedMind]

Only problem I see with this approach is bad market timing. For term of 25 years, it won't make much difference. But still.

[@dlgaming5406]

This exactly what I was checking while seeing the video, why to do so much calculations, when the easy solution is make minimum down payment and invest whatever you have at a simple index fund. It is always more beneficial.

[@dilipkumar-hx1zg]

Actually it is not much practical except for rich people But this video can force you think through another prospect 🙏🙏

[@ratheeshnair481]

Life doesn't work based excel sheet calculations. The only reason why home loan is beneficial is that the emi doesn't increase with years and if the interest rate is 8-9%, you need to discount the inflation of 6.5%. you are literally paying only 2-3% more which gets discounted by the tax benefits

[@ar04097]

Bhai excel sheet and life 😂

[@priyankaharpale8419]

But it's applicable only with floating home loan

[@sharathchandragaddam7943]

Superb man

[@hikundu]

This is a misleading video, please delete it. The home loan is cheaper than average index fund return. In this approach one should take maximum home loans and invest the rest fund in an index fund.

[@srinivasknaga]

Misleading and why such wrong information providing

[@its_prajvalp]

Views ka game Babu bhaiya....he knows most of the people having home loan😂

[@vikramkumarp]

8% interest rate is misleading.. at present minimum 9% interest.. at present

[@onkar1296]

​@@vikramkumarpvo example hai lodu yehi interest hoga yeh zaruri nahi kitne brain-dead ho be

[@skandhkapoor6472]

He is making people fool, be careful 😢

[@rohitdey2831]

I feel rather than keeping the loan for long tenure and investing, its better to prepay on monthly basis and close the loan in 8 years. Then you are mentally and financially more stable to invest big amounts in rest of the year.

[@ravikiranra]

Totally agree. If you have 5 crores in ur 50's 60 crores in 60's and 700 crores in ur 70's What are you going to do with the money? Art of investing is important but if you don't spend on you..... it's totally waste

[@NewsCritic]

Yes that's the way 👍

[@priteshmalani9182]

I agre. Alot of people suggest that we shall invest the extra amount we are getting instead of closing the home loan early. But investing for 25 straight years with discipline can be very overwhelming.

[@sridevishetty9757]

True

[@PatilBhau17]

@@ravikiranra Haha

[@vijaykumarkaushik3568]

@warikoo 1. In the example of 1Cr House Value, where EMI comes out to be 91K considering taking loan of 75lacs, you still kept the Tax slab of 20%. If any person is able to give such suge EMI, then how he will still fall in 20% bracket. 2. Also as we seen in the last budget, new regime of tax is sort of promoted by the govt, so what is the guarantee of having tax benefits for the whole duration of the loan, that you have just mentioned here. 3. Also this approach of taking less loan can also be used in another way. If instead of investing that extra savings in EMI amount, we directly invest the sum total amount of that we decided to pay upfront as downpayment, wont it give better returns in that long durations?

[@vikasshukla7773]

Dear Vijay, To answer your 3rd question, mutual fund investments are subject to market risks. Alternate shared in the video is to cover up any amount being lost through interest in FUTURE (which is always unpredictable); hence, if there are excess funds, should be paid off in PRESENT to reduce the liability now and avoid unnecessary burden ahead. It is more like being proactive than reactive. Hope this clarifies :)

[@siddiquisherry7483]

This is theoretically good but practically its quite difficult to achieve but one must approach it like that. Thanks Ankur

[@angshuman.kashyap]

If someone is able to consistently generate higher returns than the interest rate charged by the bank, it makes complete sense to minimize the downpayment and invest that money which will eventually generate returns greater than the interest charged by the bank. Also, higher loan in India might result in more tax savings on the loan interest for more number of years. The only way this video would make sense is when interest rates are currently very high and you don't know where to invest to beat that interest rate and minimize the risk on future EMIs.

[@romitchhabra2136]

Instead of taking a lesser loan (5.5 lacs shown in the video) and then investing the saved EMI amount @10% and earning 56 lac after 25 years, if we directly invest that 5.5 lacs @10% for 25 years, the amount accumulated will be 65 lacs (can check in any FD calculator online by entering these numbers), 9 lacs higher than the strategy shown in the video. Also with a higher loan amount, tax savings will also be higher. Hence as long as the expected ROI of investment is more than the home loan, the home loan should be maximized according to maths. Not considering psychological & behavioral factors.

[@bishalkumarshaw2789]

Wow, amazing video. Aaj kuchh naya sikha. Thank you so much sir ❤❤🙏😊

[@rushikeshmahajan7789]

I was thinking of this idea before but i was not sure about calculation part, finally you made a video of out it! Thanks Ankur bhaiya!

[@priteshmalani9182]

10% returns is not conservative returns but actually quite nice. Don't judge returns based on last 3 years of market ralley.

[@avishekdas3612]

I would beg to differ on this. For every scenario mentioned here, please do a lumpsum mutual fund investment calculator. For e.g. 2.5 Lacs invested over 25 years with 10% ROI will yield more. So if you have 2.5 lacs more just invest it then and there. Don't wait for SIPs.

[@vivekkoul4428]

This is a very brilliant video ankur, thanks for posting

[@harshatheprinceno1]

Very good stratefy Ankur. Only catch here is, one should have sufficient amt for the down/balance payment. Those who have funds shd definitely go for this strategy...!!!

[@hritiknachankar86]

@warikoo Can you please make a similar Excel sheet video on Educational Loan ?? It will be really of help for us.

[@yung1448]

This beyond amazing. Whoever’s reading this hope you find success.

[@yung1448]

I am fortunate I made productive decisions that changed my life forever through my finance mentor. I'm a single parent living in Bn Italy, bought my second house in April and hoping to retire at 40 by next year.

[@douglaschester2097]

You're really doing well for yourself, I'm forty five and my financiaI life is in a mess. Any tips would really go a long way in shaping my life.

[@yung1448]

To possibIy grow your finance, a mentor is needful to make it a reality. I engage in varieties of lnvestments with the ldeas of my mentor and so far have achieved so much already.

[@yung1448]

sear ch her full name below, if you care

[@douglaschester2097]

that’s amazing

[@reshmamandavkar5827]

Super 👌 Salute to your mathematical analysis

[@SandyKool]

Thanks for sharing your knowledge. Always helpful!

[@pulkitnagpal1]

Thanks for sharing! The tax benefit on principal is availed under 80C, which mostly is already taken through PF, Insurance etc. Is there another way to get this relaxation?

[@vijaymamoria]

exactly 80C already we are utilizing so Principal Benefit is useless as per the video.

[@srushtimanthalkar5217]

Sir Please make a video on unipaycheck card .

[@pritamdas7609]

I love Your Excel sheet Video. Make more Video like this❤❤👍👍

[@abhibaakihai6742]

Thank you so much Sir Itni Important knowledge dene ke liye

[@raghusimhan4845]

Hi Ankit Just one change to IT Act might literally wash away the excel calculation I.e. govt passing the bill for scrapping old regime or reducing the tax deduction of INR 200k on interest payment

[@rutujoy7071]

Can you elaborate

[@subhajitroy5850]

@warikoo Definitely good idea, but going forward govt will not continue this scheme where you saves a lot in 1st part.. I mean tax saving on principal and interest component .. So please consider revise your idea with some different trick and please share in your upcoming video, will love to hear from you

[@sommahobiya416]

inki excel sheet ko khud ke liye kaise use kar sakte hai koi bata sakta hai kya bhai

[@nitinsawant31]

This is a very helpful information for everyone. Thanks for sharing it.

[@harivadanmadur8893]

Sir very good explain by you. Thanks. 🎉

[@AnkitNegi]

This looks good and I am already doing it for my home loan since 2 years ..also if we invest on elss then it will further help in reducing tax under 80 C, if we are paying principle less than 1.5 lakhs in a year for home loan ...But I afraid, government is going to remove old regime slowly in future (definately after another win in 2024 lok sabha elections), and then all these lucrative excel sheets and tricks will go in vain but not our home loan 😅 So what I am also doing prepayment of my loan side by side by paying 50k every 6 months to reduce its tenure from 20 years to 10 years untill its tenure becomes half and my principal and interest becomes equal..😉

[@vivekkoul4428]

What will happen after principal and interst amount is same?

[@shantanujoshi4129]

@warikoo 1) Saving no 1 - no taxation on 1.5 lkh (principal paid ) + 2.5 lkh (interest paid) But till 15 year principal amount is under 1.5 lkh and after 9th year interest amount paid drops below 2.5 lkh -- considering all these 14 lkh might not be saved. 2) What about taxation on profit earned on invested amount? That is not taken into consideration!! Let me know if my understanding is correct?

[@shivamsingh-mb2ho]

U r right... Practically me itna bhi fayda nahi hoga Sara game sirf 2 hi chij ka h loan pe interest 8% h with tax benefit and aur investment me return 10-12% ka hai but ltcg calculate nahi kiye h Ye chij sirf usike liye faydemand h jiski salary 20LPA hai

[@iM4yur]

​@@shivamsingh-mb2ho Shivam Bhai ye 20lpa waloko kaise fayemand he jara batao pls 🙏

[@dominicdmello1518]

Does not consider part payment towards principle amount as an option, Also Sir, pls consider that one should also have an emergency fund in case of any untoward event where you dont have an income, as you influence a large audience, please Mr Warikoo consider including this in the video as well. Thanks Sir.

[@curiosityanglo]

Missed ur smile❤ in the video…❤️❤️❤️bring it back in the next one…

[@pawanquantum]

Anyone in 30% bracket might already have exhausted 1.5L 80C limit. Only remaining is interest on loan. That also is high only during initial years towards end it's mostly principal. So the calculation of saving based on taxes might not be really true.

[@ramakrishnak9991]

good point.

[@oliviaralston1]

Successful people don't become that way overnight. What most people see at a glance wealth, a great career, purpose is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life......

[@robertgeorge238]

You are right, to be a successful person in life require him or her of hard work and time

[@ademusiaka7198]

The thing about been successful is working toward it and not going the other way round

[@aprilclaudette2057]

You are right. Been thinking of going into gold and cyptocurrency

[@vickia.weaver7488]

It's obvious everyone is doing this online Investment

[@ramadhanipongela1360]

​@@vickia.weaver7488 I totally agree with you it has been an eye-opening experience for a lot of people.

[@tarunsalecha6542]

The extra down payment we make can be leveraged in stocks or mutual funds as lumpsum and that will give better results

[@shitalprajapati4079]

Super video..thank you so much🎉

[@sandylofton3650]

1) consider few covid terms in 25 yrs too. Bcuz bank loans don’t give any exemption for any such things. They want their emi every month and on time. 2) if I’m alone working in the house and the whole house hold expenses is depend on me then and I don’t have any savings then I’ll put that 5lk in some fds so that it will help me in my bad days. Bcuz markets has lots of ups and downs.

[@R.P.Group.]

3:10 I'm out of league 😅😅

[@shubham_M7777]

Please make video on best career options for all arts, commerce, science students. Also make on how AI will affect jobs?

[@dhwaajcreations3626]

I did the same. I was granted a loan for 38 but My friend asked Me to take it for a lesser amount so I can make use of the remaining in future if needed. And fortunately it is the same figure you have shown in the first example. I was on the loan signing desk and I calculated the loan amount and was shocked wtf it was 50L more than the total amount I was taking. Now after this calculation it feels a little better. Thank You

[@sommahobiya416]

inki excel sheet ko khud ke liye kaise use kar sakte hai koi bata sakta hai kya bhai

[@KoradiyaAbhay]

@@sommahobiya416 ha

[@ankitaggarwal7906]

If the homeloan interest (8%) is less than what you will be earning (10%) , isn't it better to take max loan.. and use that extra money to buy a smallcase having a rebalancinf feature.. it could help generate even more returns.

[@sommahobiya416]

inki excel sheet ko khud ke liye kaise use kar sakte hai koi bata sakta hai kya bhai

[@neeleshpatel3244]

Instead of doing SIP from the amount saved by reducing loan amount with extra downpayment , it is better to do lumpsum with the money that we save with less downapyment, lumpsum will give more returns over the period of 25 years.

[@sitaramsharma675]

Exactly

[@pst.1987]

Thank you so much sir for this informative video. Thanks a lot sir

[@arghasantra5420]

Ankur bhaiya jo pese mene invest kiya tha uspevi to ltcg tax (10%) dena parega uska kaya usko to apne include nehi kia

[@jayvirrathi]

hi Ankur, your above calcualtions are on paper doesn't work that way in real life. because u have not factored main component ie home loan interest is mostly floating interest not fixed interest. you already have 2-3 or more videos based on similar calculations. suggestion: pls make a proper video taking into consideration floating home loan interest FYI: life doesn't work that way as you show in Excel.

[@akashaggarwal3041]

floating interest is promoted by banks because in the long term it benefits them. fixed interest is recommended by many experts.

[@pallavipujare9518]

Banks provide only floating interest on home loan

[@vikasshukla7773]

Despite floating home loan interest, idea showcased in video might work well, if one diversifies his/her portfolio, studies a bit about market trends/funds/etc., and doesn't limit to only strategy shown in the video as it is. Kindly do the maths by changing numbers in provided resources, and you would definitely see a way out. If home loan has a floating ROI, funds/stocks could also give better returns than shown in the video. There are multiple investment options to mitigate an impact due to interest rate, but whether you can reduce the burden completely and cover up on interest being paid 100% would still be unpredictable. Best way is to work backward and keep loan amount as low as possible. Certain scenarios could be hypothetical; hence, require appropriate review and calculation by self than expecting moderator to facilitate.

[@experiences999]

Hi Sir! There are certain pertinent elements which you have missed out in your calculations. The most important one being "Floating rate of Interest" which irrespective of your want will kick in after certain number of years. The other thing is how much extra EMIs is your bank letting you make. Not all banks allow extra EMIs as it badly affects their interest earnings. Kindly make a fresh video addressing these issues as well.

[@RahulYadav-nk6wp]

Correct, he doesn't talk about it. He doesn't take factors such as repo rates, floating vs fixed interest rates-based loan, I mean banks don't offer 8% interest rates anyways, it would be somewhere 9.5 to 10% these days. You need to have a CIBIL score of 850 above to come to 8% these days.

[@prithwirajjadhav1611]

Very good insights👍

[@InformationPractical]

Sir, if anyone annual income is under 20% tax slab, then i don't think he will take home loan for 25 years. As per calculation loan tenure keep minimum as much then it will be beneficial.

[@ronakjain3616]

A little better way would be to take the entire amt of loan and invest the amt which would be saved if you take entire amt of loan. This will provide a extra return of approx 5%-10% after 25 years. What is your opinion?

[@warikoo]

I would not take a loan to invest

[@dhirajkhandelwal1381]

that wont help right. cause in long term the amount that you saved in emi will be way bigger than what you would save upon paying the entire loan. also the extra interest that you have to pay will further reduce the gains. also you wont benefit from compounding.

[@vishwajith5549]

@@warikoo considering reduced emi as saving itself means u are taking loan to invest that money but that u are doing in sip not in lumpsum

[@yogeshshirke8303]

​@@warikooHe is not saying take a loan to invest...but saying about the amount saved in paying down payment will give better returns to compensate for interest paid.

[@raulsadasiv]

Warikoo This is just shit. Not epic shit

[@RCBian1296]

Some youtube idiots are saying warikoo is a failed entrepreneur. No matter what others says .....you are one of my best teacher for finance ❤......

[@wasimuddinmulla2168]

Bro, this is the dumbest video of him.

[@SocialFactss]

There is lot of sence in this video ......👏👏👏👍👍👍👌👌👌 Common man will definitely do the reverse of it ....and banks are thankful for common man

[@vineetbhargava4507]

What is better, doing prepayement or investing the prepayment amount in SIP??

[@poppyflorist]

For anyone thinking of this actually works, the honest answer is NO. because he assumes 10% growth in a sip or something and that is a gamble. Remember, during covid times all sip went down below the principal amount even after investing for 10+ years and hasn't recovered, and loss of all interest on the years staring from covid. You can NEVER time the market. Every person nowadays are being rich by selling their books. AND THIS HIS TRUTH. HE MAKES MONEY LIKE THAT, NOT INVESTING! This is a trend nowadays

[@SidMalipatil]

That’s true every influencer is following this path. Selling course or books

[@dipakborase3981]

Correct

[@apurvamajumdar1368]

Are you dumb even the marker went down the amount which was in negative got positive when market went up just in 3 years. Educate yourself please

[@chetanbanswani4733]

This comparison doesn't make sense. You're not considering the fact that an additional Rs 550000 available at the beginning could be invested at @10% CAGR. which in itself would result in 59L at the end of 25th year.

[@warikoo]

Banks do not give home loans to be invested somewhere else.

[@7gurubhai]

I doubt warikoo sir is commenting here. Inko samajh hi nahi aa Raha what we trying to say . Ya yeh khud bhool gayi kis topic pe video banayi hai. Something is wrong with him right now. Didn't expect such reply from him.

[@riteshsolkar1578]

​@@7gurubhaiunko bhi paisa kamana hain bro views la ke...duniya gayi tel lane. So obviously khud ka stand point pe hi rahenge woh

[@pionytudr]

Exactly what I commented just now. His reply also doesn't make any sense! Bro bank was already giving me the loan for the house! And I invested the amount that I already had, I didn't take loan to invest! All big people do that.

[@pionytudr]

This is a completely click-baity video made in less than an hour.

[@888shailesh]

Sir, If total annual salary is 8 lac, we can't save this much.. it will applicable salary above 20 lac annual package i think..

[@payalsengupta8718]

This is a great knowledge sir thank you for sharing with us. But excel sheet is lock. We can't use it.

[@rajoncam]

Every time you give us a way to live better. Thank You Sir. Take love 💖

[@himanshushrigiriwar5930]

Why don't you just invest that 5 lakh instead of paying down payment?

[@Ravikumar-zm2wb]

Yes, If the stock market gives more than 8% rate of interest, then it makes better sense to invest in stocks than giving down payment.

[@7gurubhai]

I was about to comment the same .

[@PS-ps6ow]

Aur aisa Karke Ghar bhi free ho jayega. Par Warikoo ka video Sirf interest free karwaneka hai, usko ghar nahi free chahiye.

[@warikoo]

Because banks require a minimum down payment percentage from the loan taker

[@arshgoyal7781]

If you invest extra 5.5lakh that you have paid along with down payment at interst of 10% you will get 59lakh at end of 25years. Then there is no point of investing 4245rs every month.

[@jai-kn1qt]

@warikoos ir mene Friday ko shares liya tha and agr me Monday ko sell kardu in profit of 100 rupees then kya short term gain tax lagega kua

[@mohammedayan3474]

Can you please suggest us some good investment areas?

[@abhishekbali9951]

Hello Ankur, fantastic information! Just a small request...can you combine tax saving and prepayment spreadsheets and share please ! Would be wonderful to have a complete view of home loan payments and tax savings on the same. Regards Bali

[@Real_mutual_fund_guide]

Bali laal ......ye kewal Excel se bewkuf banata h baki tax ka t bhi ni ata is ko......isko ye bhi ni pata ki tax kitne type k hote h majorly

[@mukundsethi5220]

Hello Ankur could you plz send me your mbl ko so i can talk to you... On my banking & loan of lic home loan

[@Real_mutual_fund_guide]

@@mukundsethi5220 kat gaya tera kalia

[@sommahobiya416]

inki excel sheet ko khud ke liye kaise use kar sakte hai koi bata sakta hai kya bhai

[@Real_mutual_fund_guide]

@@sommahobiya416 bina akkal k

[@DarkBoyJay]

the smartest way to live, Dont take loans :))

[@warikoo]

Best way, if one can help it

[@nitisharora2795]

Money created from debt only benefits bank in long term risk considerations 😂

[@junaidzed]

Superb idea 👍

[@srinivasB.V-ff1mm]

Boss looks like this is aMBA solution , you are not a middle clas 40 year old buying a house thanks 🙏

[@7gurubhai]

if you have invested that 5L( instead of down payment) in stock market which gives 10%, it would have become around 59L in 25 years . Idk if you yourself do research for these video or your team does it for you but this is the most illogical video i have ever seen on this channel!!

[@warikoo]

Banks need a minimum down payment from the loan taker

[@7gurubhai]

@@warikoo Sir, I was talking about the extra 5L amount on top of down payment money which you mentioned in the video. Remember you mentioned that use that extra 5L as down payment, so net down payment is 17.5L and now the emi is reduced by 4K per month? Is it really you commenting or someone from your team? Doesn't feel like you commenting.

[@omkardevalapurkar1985]

@@7gurubhai is absolutely an ill-logical video, made just for click bait. he told to take 5 lac less loan from bank , so it means we have that 5 lac rupees, so if we invest that at 10% for 25 years then 59 lac is correct. no need of this excel sheet clickbait.

[@7gurubhai]

@@omkardevalapurkar1985 true. I guess content no good content left so.. did this.. but i expected better

[@Cristian_M_]

Wealth is built in both bull or bear market and also wealth transfers from the impatient to the patient. One of the best ways to succeed in crypto is by trading your assets with a good strategy

[@kiyotofujita2178]

I’m celebrating a $30k stock portfolio today. I started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me

[@clydeorlan2615]

Assets that can make you rich *FX *Btcoin *Stocks *Gold *Real estate

[@geralyncainglet2626]

You’re right but a lot of people remain poor due to ignorance

[@kirstenraedmund7346]

Not because of ignorance, it’s because of the high rate of unprofessionalism in the cypto market

[@hamidu_-]

I’m new to cypto trading, feels overwhelming but I won’t give up on learning this. Thanks for your clear explanation from the very beginning!

[@adnanhassan4916]

Hello bhai apki videos bohat achi hoti hain bohat kuch seekhne ko milta hai

[@123mudet]

Tax saving on interest is only on already built properties right? Not on under construction properties ?

[@shivam20tiwari]

Hello sir, I am not getting option to download the excel.

[@somnathmagdum8761]

Well the comments seem to be more informative than the video Anyway thanks for starting the discussion 😊

[@abhijit856]

Does any bank or nbfc allow prepayment of home loan through online or its always to visit home branch?

[@user-hg8qs1qc2v]

thanks for sharing this information.

[@rohandabade3449]

I would like to know about car loan. Should I close it early?

[@mnkapoor]

Not expected this kind of video from him

[@ShaktiBeyond]

Salute Sir ! Going For My First Home Loan Now 💪

[@krishnakrbharti1903]

The same advice i had given to one of my friend few months ago when he was deciding to get home loan from bank.

[@milindpatil1021]

Very nice explanation sir

[@unfinisheddreams9524]

@Warikoo Tax calculation seems incorrect. You have taken 20% on overall interest, while the tax saving is on actual interest paid or 2L which is lower, so in initial years you would be capped by 2L and in final year you will be capped by the actual interest paid. So tax saving wont be on flat percentage of total interest

[@roshanrodrigues2127]

Sir In Excel sheet how you calculated total tax savings.please guide me

[@shubham111agarwal]

@warikoo would like to have a more understanding on Tax Relief from Govt. & how to avail it. 😊Thanks

[@user-hg8qs1qc2v]

thanks for sharing his information

[@sanjayhasurkar1611]

Hello Sir, All videos are very helpful and informative to all people who follow ur vlogs and watch videos. Plz one video on Lumsum investment in SIP.

[@MKNR2012]

What about the tax and other charges for the amount invested I.e Capital gain tax or long time gain taxed when withdrawing stocks

[@raviupadhyay9106]

I have a question. When you are buying house, with new house you have to purchase so many new items like furniture, electrical item and soo on. People need to plan that also, right? If they put more amount in down payment then how they will manage extra expenses? Next question what about the tax on income which you need to pay after earning from investment done for 25 years. How much you are saving then?

[@subham8862]

Sir it was a great video for me as I am taking a home loan but can you make one more video regarding this topic for more clarity.

[@abhishekkushwaha8386]

Sir can you make a tutorial video on stock market like how to trade because you explain very clearly

[@priyabratasahu5245]

Ankoor is the Kang of excel sheet Universe😂😂

[@drsteviejasengnsangma8739]

Wonderful idea to out smart the banks❤

[@nileshghumare4513]

Every investment comes with the risks and unfortunately in case something bad happens with your investments like DHFL case or free fall index, then you have to pay EMIs and lose your invested money too.

[@spimpale101]

Resp.Sir...Yearly Salary increment & D.A (4000/-) se badhne ke baad... Home lone ki monthly EMI ko badhana chahiye ya...us 4000/- ki SIP kar ke... At the year end 48000+4000 (10%) = 52000/- ru Direct Home lone principal amount me credit Karna chahiye... Pls guide witch option is more better..? Thank's..!! 🙏🏻

[@shubhamdeore7138]

Please make video on Education loan and provide excel sheet to download

[@rohitbisht4009]

Sir kindly brief on tax calculation part....how that amount is growing bigger

[@amolsapkale2453]

1. Saving amount shall be invested ? or 2. we have to repay home loan ? Or 3. We have to do both 1 & 2 ?

[@joydeepganguly1248]

Super systematic plan sir

[@mangeshparulekar4379]

Great Topic and Post !!! - Please don't assume any fixed returns from Market Index funds in future. So many people assuming 8 % return from markets - what a goof up :) ... It may be true- but its a wrong discipline to assume returns from index funds that way ... what a mess :). My question to Warikoo @warikoo sir - is - Please also put the complete context of the story. 1. First the Loan interest from bank is 8% . In this case do you think general Public can make better than 8% else where. My opinion is 99.9% of people wont be able to do that. 2. Even if we get better Interest rate of return somewhere else.- the Bank rate after 2 years will eventually also increase - sicne there is no concpet of Truly fixed ineterst rate in India. So the Interest rate will eventually be higher . 3. This is a great learning concept- and the knowledge is true wealth we all have made by understanding it. (Keep Money aside)

[@YogeshManchankar]

Dear Ankur ji, Kindly check and Revise your Tax Benefits amount calculations As per New Tax regime

[@ajijmujawar4931]

Thanks!!!

[@bishalkumarshaw2789]

Sir aap kaise ye formula nikalte hain, mereko bhi sikhna hai 🙏🙏

[@Fr-world]

Sir what about the tax we are going to pay on our investment after 25 years...that should be calculated on this excell sheet.

[@Genuinereviews7014]

How to utilise gold at home for investment??