RBI ने बिना दरें घटाए किये कैसे आपकी Home Loan की EMI घटाने का इंतजाम कर दिया? |Kharcha Pani Ep 648

LT Premium जॉइन करने के लिए नीचे दिए लिंक पर क्लिक करें: / @thelallantop
1-What has RBI done without reducing the loan that your EMI will be reduced?
2-How will the customer now be able to reset the floating rate home loan EMI?
3-What is the procedure to switch from floating to fixed interest rate?
4-What has been decided by RBI regarding the tenure of home loan?
Pradeep Yadav and Saurabh Tripathi presents you Kharcha Pani, the daily economic bulletin and in today's episode we discuss following:
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Produced By: The Lallantop
Edited By: Utsav

[@surenderbishnoi9360]

चाहे कुछ भी करो पर किसी भी बैंक से लोन मत लेना, बहुत पछताओगे 😂

[@rajrockz143]

Okk

[@rohan_shinde_777]

kese?

[@sourabhshrivastava5639]

To kisse le loan bhai

[@surenderbishnoi9360]

@@sourabhshrivastava5639 मेरा कहने का मतलब था कि यह सभी बैंक वाले ब्याज के आंकड़ों में ऐसे उलझाते है, अन्त में एक रास्ता बचता है वो किसानों कि आत्म हत्या पर रिसर्च करके देखिए

[@moneyyog]

Bhai loan lene me koi burai nahi he lekin financial rule ke hisab le loan agar ap lete he to apko ye nuksan ki bajay fhayda kerta he ✔️

[@pankajmittal3088]

When RR was lowest, RBI pushed for floating interest rates and now RR is highest, RBI is pushing for fixed interest rates.., what a fixing with banks..!!

[@greatonedeepak]

बड़े अच्छे कदम है , 😂 खुद हमारे पैसे पर ब्याज शून्य मात्र देते है और कोई 10000 लेले उससे 30000 वसूल लेते है , गुंडा गर्दी करके 😂

[@rajrockz143]

Mother board whi to sale log 😢

[@navalyadav2590]

Sabse acche bat aapane bataiye

[@gaus5810]

Nice presentation ❤

[@k.rathore7889]

मेरा एक होम लोन चल रहा है 20 साल का अब वो 12 साल का ही दिखा रहा है🎉🎉🎉🎉🎉

[@richabharti4891]

Mam RBI ne ek aadesh Diya h ki jab Tak loan pura de nhi Diya jata tab Tak emi nhi Li ja sakti h or agar liya h to customer ko vapas karna padega ek video is par bna dijiye Puri jankari ke sath maine bhi home loan liya h or mujhse bank walo ne pure 8 months ki emi extra le Li uske baad bataya ki Jo Paisa ab Tak liya gya h usme apka principal amount nhi kata h jab se pura loan de Diya jayega uske baad hi principal amount katega or 8000 se jyada maine 8 months mei Kate the HDFC Bank walo ne

[@richabharti4891]

Mam jo question maine pucha h us par ek video bna dijiye please

[@nileshghumare4513]

Already floating rate mein Banks 2.5 se 3.5% Margin (Repo + Margin) extra leti hain jo currently around 9% ke aas paas aati hain. Jab ki Fix Interest rate me yahi margin 4.5 - 6.5% hoo jati hain means aap ki loan 10.5% fix hogi. Ab 2 points Important: 1) Jab REPO RATE sabse niche yani 3% pe thee tab BANK ya RBI ye offer nahin dee rahe the. Kisi customer ne agar puch bhi to fix term sirf 2 years fix uske baad floating rate apply hoga ye answer milta tha. Ab jab interest rates sab se upper level pe hain tab fix interest rates offer kar rahe hain. 2) itni margin (2.5 se 6.5%) banks kyu charge karti hain? Jab kahi countries mein to itne interest rate hote hain.

[@rameshrajguru]

Bank koi bhi Ho chhal kapat kutniti chhalava pardarshita nahin Hoti angrejon Jaise rul rul hote Hain Jo Gair kanuni hai paise badhane ke liye 7 sal ka 2 sal ka 3 sal ka kar dete Hain jab sanction Kiya jata hai to 1 2 mahine mein pura Paisa mangne lagte Insan fas jata hai kyunki uski karj ki rakam bhi Puri milati nahin use aur vasuli kahin uske jyada Ho jaati hai pardarshita na hone ke Karan pardarshita na hone ke Karan ulat jata hai fas jata hai vah Paisa badhane ke liye bahut sari Chali chalte commission aur commissions bahut hote inko kam karna chahie good evening

[@ManiMani-ru9ug]

Hi sir I want to help sir

[@pankajpandey5937]

New upashna

[@rajrockz143]

😢😢

[@ghoui100]

Already rates are high..hence even if they take fixed rate will be high..in future if recession comes then fixed rate people will be more in loss...sirf ullu banate hai ye govt aur inki agency rbi..jab rates kam the tab toh fixed rates ban kardiya tha RBI ne..ab jab rates high hai toh ullu banane ke liye fixed rates lekar aare hai

[@ChhayasRecipesMarathi]

अगर कोई sinior citizan हफ्ता नहीं भर सकता किसिका बिझनेस हो या रिटायर्ड हो अगर उसने मुद्दल से आधे पैसे भरे हो तो Sinior citizan ke Ghar जप्ती नाही होनी चाहिए

[@nishantavasti9962]

Rahat aur wo bhe middle class aur wo bhe modi de .. Impossible

[@funkyou_01]

Lalit Modi aur Nirav modi ko yeh news dekhna chahiya 😂😅chwkidar chacha ne naya petra laya ha😊

[@IAmRavi21]

Please read everyone agar icici ne apke ya apke jaankar ke sath kisi bhi tarah ki dhokhebaji ki hai to kripaya bataye... Because of icici my dad died I want to fight with this bank I will engage finance ministry of india , RBI, and honourable court in it .. They have killed my father and now my mother is in trauma and so me because of their immense pressure

[@neorv6699]

Hattttttttttttt.... Live like ... Vijay Nirab Mehul Lalit...😎😎😎 Dhundte rahe jaoge 👻

[@JigneshSananse]

Home loan me fixed rate kab hoga? Jaldi update kijiye

[@shadiqueanwer2328]

लोन लेते समय कुछ भी नहीं बताता है बैंक बाद में चार्ज जोड़ते जाता है

[@तीजो2824]

Filhal koi RBI ney koi rule nikala he kya Jo emi badhai me

[@तीजो2824]

Esha kuch huaa he kya

[@themainissue9704]

Home loan k liye contact kare

[@mentalboy8965]

Voh sab toh thek hai lekin pehle loan toh mile 😂

[@rameshrajguru]

Beghar rahana bigar phone ka bigar bike ka rahana Apne Jeb mein Paisa aaye tabhi kharidna lekin karke fande mein kabhi Na padhna bankon ke khate kis liye hote Hain aap log samajh nahin paoge uske liye sochana jaruri hai ek Bank ka khata kholna matlab Apne kutum ko hamesha ke liye gulam karna Apache aapke upar hamesha akki rahegi jab tak karj uthane ke kabil Na ban jao kab tak aap per arthik sthiti ka pahad tutata hi rahega isiliye khata kholte samay Ghar mein har EK ka khata na kholen bole to bahut khabar gadi le pal pal usko check karte rahe ek to aapki saving jamana Ho to khata kholne ke fande mein pade hi nahin kyunki hajaron rul hote Hain Jo Paisa sametne ke sal mein aapko kam saving per kuchh Vyas to nahin milega lekin penalty ya se kamar Tod denge mines se kamar Tod denge chal ke banduk Laga ke Paisa lenge socho Jo aapke pass hai adjust kar lo good evening

[@amolsingh8633]

very informative, expert was also well informed.

[@gauravpatil9536]

Garib ke acche din aa nahi sakte

[@rameshrajguru]

Pahle ham aankh band karke Bank mein Paisa dalte the agar kisi Ko padhna likhna nahin aata tha tu bhi Paisa safe per Sahi jagah jama hota tha aaj ke Yug mein Aisa karke dekhe aapka Dala hua Paisa bhi agar aap nahin Gaye to ek do hafta nahin dikhega kahan se rul a jaate Hain Paisa khatm ho jata hai aajkal ke mahangai ke jamane mein jyada shaving karna sambhav hai isiliye vah log to byaaj denge nahin penalty ke sath aap ki saving dikha jaenge aap aisi baat ka jaanch padtaal Karen sal mein Bank ka kharcha kitna hota hai hamare saving per sal mein byaaj hamen kitni deti hai sab baton ka hisab lagaen ho sake to bankon se finance finance se kabhi kar Jana uthae nahin to apni yah jindagi to chhodo agar unke jhanse mein ya chakravyuh mein a gaye to aapke sath puchte kharab ho sakti hai sochne wali baat hai

[@deepandev8099]

Bonuce charge or late fee ka bhi koi solution hai kisi ke pass to btao bcz har kisi ki salary time se nhi ati or bank wale dono charge lagate hai or bank balance ko - mai dal dete hai??

[@viper9148]

chor RBI

[@DriveDawn]

2024 se pehle ek aur jumla..

[@throp_ins]

First comment❤❤❤

[@theBartSimpson]

Floating aur Fixed rates interconversion is already there! (especially at private banks such as HDFC) The current issue is that the Fixed rate of interest is usually way too high (almost twice or even more) when compared to Floating rates. This is to secure the bank's profit considering all probablities over the loan tenure. Also, when changing the Interest calculation type, there are always additional charges.

[@dharmendrasoni9625]

सब गोलमाल है भाई सब गोल माल है। आरबीआई सीधा रेपो रेट कम कर दे आम आदमी को राहत मिल जायेगी। एकदम बकवास

[@Chug128]

RBI agar koi relief dega to sarkar kisi anya tarike se diya gaya relief recover kar lega. Ek haath se le, dusre haath se jiada vapas de. 😂😂

[@9199879719]

Mainstream ke channel is tarah ki khabaron se kaafi door chale gaye hain

[@VikasKumar-nu2sb]

Fixed>>Floating. Ppl won't go for fixed in general. But let's see.

[@diptarkabiswas3765]

Applicable for Existing Home Loan Customers as well? But will the interest rate be too high compared to Floating ROI? Can't RBI obliterate Floating ROI.

[@irfankhanrambo8428]

Rbi pehle pmc bank ka update do

[@SachinYadav-jv8mm]

लगता है आप नई रिपोटर हो बहुत अच्छा बोलती हो

[@riteshsinha587]

Banko ko labh hoga to customer ko labh kabhi nahin hoga, yeh to dhanno ki ghas se dosti ho gayee. RBI se to bus yeh request hai ki repo rate ko badhao to kam karna mat bhool jao

[@stewiesevilrobot9503]

Mera education loan ka intrest badhta he jaa rha hai

[@NirbhaySinghmumbai]

Ek upasana gayi to dusri Upasana aa gayi😜

[@neenamahor]

Achi video h.. repo rate ache se samjh aa gya

[@pankajKumar-yi3yj]

😂😂

[@officialrahul2737]

❤

[@sameemansari6663]

aisa he hona chahiye

[@sachinnishad1741]

Love your video Bhai ❤❤

[@abhaykumar8881]

ek chij janna hai ,ki agar mere bank me min balance nahi hai to kya bank negative me balance kar sakta hai ?

[@amaleshkumar2060]

Very nice.

[@pankajpandey5937]

Ek upashna thi 😅😅

[@Cryptoboy2911]

First

[@alpeshmistryofficial]

Don't take pre-approved home loan from ICICI bank. Also confirm all the expenses and insurance requirements well in advance in writing. Also don't believe in oral/telephonic communication, take everything in writing in email. That's learning from my recent experience.

[@kishorrajput7313]

I want to take icici top up loan can you send me your contact details for details

[@IAmRavi21]

Icici bank is a fraud and criminal bank They looted us Plz share your story It will be helpful for me in fighting with the giant bank

[@IAmRavi21]

Alpesh bhai agar icici ne apke ya apke jaankar ke sath kisi bhi tarah ki dhokhebaji ki hai to kripaya bataye... Because of icici my dad died I want to fight with this bank I will engage finance ministry of india , RBI, and honourable court in it .. They have killed my father and now my mother is in trauma and so me because of their immense pressure

[@alpeshmistryofficial]

Hi @ravindra, sorry for your loss. May your father rest in peace and God give strength to your mother and recover soon. In my case they have not delivered what they promised. The loan guys task is over once they sanctioned loan. And they sold me property insurance by saying it is mandatory.

[@pankajpandey5937]

Pahle wali upashna ji ki yaad aa gyi apke name se🎉🎉

[@krishnagupta85]

Ye wahi Upashna hai..plastic surgery karwa li hai

[@anujkr6039]

​@@krishnagupta85😅😅

[@dgupta42]

Wrong title - All these rules can improve transparency but will not reduce EMIs at all. Fixed rate is much more expensive than floating. And our banks will use high interest scenarios (like now) to scare some customers that loans may become even more expensive in the future so why don't you take a fixed rate loan. They will trap people into very expensive loans for a long, long time. It is better to take away the fixed rate option completely. Forcing truly floating interest rates for all loans and deposits above 3years will be a better option. Transparency and choice on increasing EMI amount vs increasing term of the loan is a very good step.

[@someshagnihotri7453]

Between 1:30 - 1:33 wrong information is furnished about repo rate, repo rate is the rate at which the central bank (RBI) takes loan from Banks.

[@GajendraSingh-uq5td]

It is reverse repo rate bro.