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

[@warikoo]

Make your own excel sheet calculations, here: bit.ly/3PwTSjg My Money Apps: Indian Stock Investing (Zerodha): bit.ly/3iYKROh Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR Portfolio Investing (Smallcase): bit.ly/3u0is0I Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c How to pick the right insurance (Ditto): bit.ly/3xFh7OU The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions. My bestselling books: 'Make EPIC Money' here: amzn.to/3WHJ43F ‘Get EPIC Shit Done’: amzn.to/4fK1IR5 ‘Do Epic Shit’: amzn.to/4fK9uuv 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 The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.

[@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.

[@ThetaShe13]

Suddenly the comment section feels more interesting than the content 🤭😅✌️

[@dilipkumar-hx1zg]

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

[@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.

[@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

[@priteshmalani9182]

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

[@Rn45634]

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

[@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)

[@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.

[@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 😢

[@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?

[@Smartyshivamsingh]

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]

​@@Smartyshivamsingh Shivam Bhai ye 20lpa waloko kaise fayemand he jara batao pls 🙏

[@dapzzthesailor1663]

Biggest flaw is rather than taking less load, better take full amount available and inveat the extra money you have as lumsum...Due to compounding at same return rate, it will give you mich more return...

[@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.

[@ShaktiBeyond]

Salute Sir ! Going For My First Home Loan Now 💪

[@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.

[@Nzbznzbzb]

Love you. Love the way you demonstrate. Love the way you provide Excel sheet for our exercise. Love from Pakistan, Karachi.

[@siddiquisherry7483]

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

[@mayankorigins25]

3:55 yahan agar hum maxiimum loan le 37.5 lakh ka oir 58 lakh rupya lumpsum save kar le 10% se grow kare to 25 saal me wo 54lakh approx hoga to bank ke interest se bhi zyda hai or hath me rupya ho uska alag confidence hota hai

[@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.

[@madhurani8993]

Nice way to explain...Tax saving pe bhi ek video bnayein Sir ..detail mein

[@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

[@whythough78]

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

[@tarunsalecha6542]

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

[@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.

[@sjkhan9258]

Wah. Sirr❤

[@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 :)

[@mahendragaur3128]

Very useful video who want to buy a home and want to benefits from home loan

[@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

[@manishvijayyy]

mere ko kisi ek bade aadmi ne ek bhot badi seekh di thi . or main jeevan me aaj bhi apply kar rha hu . woh yeh ki - agar koi budget bana ke chal rahe hai toh calculated expense se 20 percent extra leke chalo . or in case of income jo bhi ho rha hai uska 20 percent kum lo . uske baad dekho maja

[@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.

[@RajatPatil1711]

Well on paper it looks good when everything falls in place but life is not so simple and straight fwd!

[@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

[@somnathmagdum8761]

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

[@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.

[@darkknigh874]

You forgot about tax implications on ur investment. We get charged about 30% for short term gain as per tax bracket. If it's capital gain then 10% of tax.

[@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

[@gambhirahul]

100 baat ki ek baat. If you take loan for appreciating assest its fine, if you take loan for depreciating assest, you might lose money at the end. & Do make sure you EMI should not be more than 30-40% of your monthly income.

[@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.

[@nikhil_sugandh]

This is a great idea but stock market should give a return of 10% and your job should continue to run continuously!!! none the fact great idea sir!!

[@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

[@adnanhassan4916]

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

[@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?

[@SandyKool]

Thanks for sharing your knowledge. Always helpful!

[@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.

[@pst.1987]

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

[@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.

[@realindia6483]

आप बिलकुल सही बोल रहे हो सर, मैने bob से 2016 मे 1 लाख का का पर्सनल लोन लिया था 5 साल के लिए लगभग 2200 रुपए महीने की किस्त पर जबकि मैं 3000 तक की किस्त दे सकता था और उसी समय बैंक ने मुझे एक यूनिट प्लान दिया जिसमे मुझे 500 रुपए महीना जमा करना था । 5 साल मे मैने ब्याज सहित बैंक को 1 लाख 30 हजार रूपए लौटाए मतलब 30 हजार ब्याज गया जबकि यूनिट प्लान से 5 साल बाद मुझे लगभग 42 हजार रुपए वापस मिल गए ।

[@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

[@KeyurPanchal0475]

Part payment is the best solution, it's a good way to reduce your overall interest at the end, then you can also invest more once you are free from loan.

[@srushtimanthalkar5217]

Sir Please make a video on unipaycheck card .

[@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

[@R.P.Group.]

3:10 I'm out of league 😅😅

[@srinivasB.V-ff1mm]

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

[@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.

[@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

[@ashishrunn]

Instead of paying additional 5 lakh downpayment, we can invest that lumpsum 5 lakh in a mutual fund. That will make more sense.

[@hritiknachankar86]

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

[@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?

[@rajoncam]

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

[@mohit0902]

At 03:30 you are saying that 14 lakh rs are aaved .. i think you do understand that its just that one will not pay tax on that 14 lac which will be 20 % of 14 lakh i e 280000 rs will be saved from total interest. Not the toatal 14 lach ..

[@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

[@niladrichakraborty4556]

Ultimately everything goes towards SIP Mutual fund and stock market

[@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

[@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!

[@tracyholian2944]

Cypto is a whole different ball park. I would only invest funds in it that you are willing to lose or don’t need. In terms of day trading cypto I don’t keep an eye on anything at the moment except XRP. Wouldn’t be right guy for day trading cypto

[@DestroGamingLive]

Are bhai isse acha whi 5LAKH lump sum me invest krte to 90Lakh ho jaynge ❤❤

[@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

[@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 😂

[@bishalkumarshaw2789]

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

[@khemrajpal1161]

For that we should have 5L in bank. And investing in correct place is a game changer and that's the place maximum people fails.

[@nitinsawant31]

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

[@adityadutta8598]

Doesn't take into consideration the New Tax Regime. Someone on a 20% tax bracket cannot afford this EMI n down-payment. Rent while waiting for under construction property is not considered. 50 lakhs can only give you a low cost 2bhk home in metros. A growing family needs 3 bhk. One needs to also put aside money for interiors and registry on possession. I feel the theory is narrow n doesn't let you look at practicalities. However, good for those who are not into structured ways of financial planning.

[@235amitb]

Hi Sir, I have few queries 1. For repayment any period of year we need to wait? 2. How much amount we can re-pay? 3. If we go with 35lac home loan. And we have same amount within 2-3year can we repay all the amount within 3 year?

[@jaindarshankantilal2797]

I would rather invest less , say 15% DP, and rest as stocks. But... But i guess this suits people with cash heavy pockets and less risk takers. Lower risk due to lesser EMI, SIP investment means averaging buying price.

[@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...!!!

[@vivekkoul4428]

This is a very brilliant video ankur, thanks for posting

[@shukla_himanshu_04]

Sir please esa hi ek video educational loan ke baare mein bhi banaiye please

[@gametvandroidgameplay8260]

Stationery shop PR video bana sakte ho kya Loan kitna le Loan reaturn easily kese return kr sakte hy Or 1st challenge is money hy saving hy loan ke liye PR sb jobwale nhi hote to without money kese business start kr sakte hy kuch ideas hy to share karo

[@abhibaakihai6742]

Thank you so much Sir Itni Important knowledge dene ke liye

[@sibasankar8587]

Nice idea sir but onething house property ka value bhi 25 saal kay baad bhi increase hoga....tabhi interset amount almost zero hoga

[@amolsapkale2453]

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

[@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!

[@harivadanmadur8893]

Sir very good explain by you. Thanks. 🎉

[@akshsharma1987]

5 lakhs could be invested with 10% annual interest n magic of compounding will make it 54.2 lakhs after 25 years as well

[@subhajeetbasu325]

Sir this is the calculation for 25 years so one has to pay whole emi for those 25 years & the 10% he will only get post completion of that loan tenure. And 25 years is a big time it's uncertain what all changes happens in personal life & market. So one has to do the smart investment & consider the savings to overcome from any situation.

[@trira1171]

Also, he did not consider inflation and Long Term Capital Gains (taxes on investment). If you consider those aspects also, it becomes pretty difficult to implement this.

[@curiosityanglo]

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

[@Nitink268]

Stock market investment doesn't gaurntee returns, only 10% are making 90% money, so investment is out of question, inflation every year is 6-7%, life is unpredictable, so better pay off loan by prepayment, so only valid point you mentioned is prepayment

[@jigneshah25]

Advise in the vedio is the one way of saving money. Other way is you take the maximum loan.. Investe the funds in mutual funds as lumsum amount. That return will be much more higher than the SIP at the end of the loan tenure. Benefits of doing that is you have your entire savings & funds which was supposed to be go as down payment as readliy available whenever you need. Here as per the video you wont have the funds in your hand, secondly it is high chance that you will end up spending that 4000-5000 ruppes savings instead of doing SIP..

[@reshmamandavkar5827]

Super 👌 Salute to your mathematical analysis

[@himanshudhama]

Sir ek video series to aap Excel seekhane ke uper hi le aao..You have expertise in this.

[@limguishengphotography]

Wonderful brother❤❤❤❤❤❤❤❤❤❤❤❤❤

[@HardikParikh-c8p]

Expected something out of box but this was known thing..instead take loan in joint name with your spouse and avail double benefits of interest and principal payment

[@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.

[@reg4026]

Make a video on principal free home loan!

[@sudhirsalunke5296]

😂😂

[@shitalprajapati4079]

Super video..thank you so much🎉

[@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.

[@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..!! 🙏🏻

[@akdigitalmarketing8410]

You are wrong agr wo hum 5lakh ki lumsum amount nifty m lga de to 12℅ k hisab se we earn 85lakh so this best wariko keep it up bro 😅

[@mickvy3602]

can someone explain 2:15 the TAX on Principal+Interest amount will be levied(upto 3.5L) , so how come Warikoo is subtracting the "applicable tax" from Total Interest Paid?? I really cant understand it

[@iamsachingarg]

Hi @warikoo, If someone is 40 years old, Could you please suggest what should be the max value of home he/she should opt for. A generalised Idea. Taking example 1Lakh as monthly Income.

[@milindpatil1021]

Very nice explanation sir

[@PankajN1702]

I lost you at 6:00. I disagree with the logic. I’d rather keep pre-paying the loan and close sooner