✋STOP your MORATORIUM right now | EMI Moratorium calculation

[@LabourLawAdvisor]

Share with at least 5 friends who have a loan, 📚Payroll, Excel & Labour Law Courses for career growth: lpt.institute/courses/ 💸DEMAT Account: link.lla.in/Demat EMI Calculator Download Link: lpt.institute/EMI-Moratorium-calculator.xlsx The case has been filed in SC ;indianexpress.com/article/business/sc-notice-to-rbi-on-plea-seeking-interest-waiver-during-moratorium-period-6427943/

[@apurbaranjanparida3605]

Can I download that excel videos after registering.

[@LabourLawAdvisor]

Check the second link for direct download.

[@apurbaranjanparida3605]

@@LabourLawAdvisor ok sir, Thank you

[@sumitshirsat3384]

Sir konsi language me rahege. Ye lectures

[@LabourLawAdvisor]

HIndi

[@ArunKumar-gl8fy]

Jain Bhaia Sabse Pahle mai aap ko koti koti Namaskar karta hu Aur is chenal ke all sascraibar ko sath me apneaap ko vi Dhanyabad Deta hu ki hum sabo ko aap jaisa imandar advisor mila hai AAP APNA KAM BAHUT IMANDARI SE KARTE HAI 🙏🙏🙏 👌👌👌

[@vincent9.7]

This is an eye opening video , I'm opting out for moratorium extension !

[@vishnupolkar89]

I don't know what is there to dislike in this video. Some ppl are so dumb that they have been born for only NEGATIVITY. This video helps so many people from getting into huge debts. I would like to thank Labour Law Advisor for their hard work and selflessness.

[@The_Unexpected999]

Lavde chutiya bana raha hain aur tu ban raha, ye jaatu lok per annum ka interest per month ke hisaab se le rahe hain. Tabhi itna bada amount aata hain. Tu bhi pada likha gavaar inlok jaisa.

[@tambolisana8264]

This is correct information.. What ever bank loan we have we need to pay interest amount.. we are only getting benifits for our principal amount not for interest amount.

[@prajapatibipin714]

Right he bhai me ne aaj hi mere 2 emi sath me bhre he 😢

[@narasimharao730]

Sorry. They are taking interest for principal amount. If 300000 is amount balance they are taking additional amount. 15% rate for suppose. Interest =15/100*300000/12*3.for 3 months

[@Akshaykalokh]

He is exactly on point the same way my financial advisor explained me so i cancelled moratorium option and i paying my emi monthly though its tough time

[@sochahaipodcast]

Thankyou so much for this significant and amazing information....

[@d_ailydose8016]

very fruitful and important video.....that thing create difference btw u and other youtubers.

[@MandeepKumar-pl5uz]

Brother ur work is awesome....its a most informative video of people like me....a lot of appreciation....thanx

[@vaidikbhadiyadara8522]

True....!!! Very important information 🔥🔥🔥

[@AmardeepG91]

#Moratorium #RBI को पता है कि इन हालातों में लाखों लोग डिफाल्टर हो सकते है और अच्छे से अच्छा बैंक भी डूब सकता है इसीलिए बैंको को बचाने की कवायद है ये मोरेटोरियम। जनता से तो ब्याज पर भी ब्याज वसूला जायेगा। साहूकार सरकार 😡😡😡

[@SuperGetoverhere]

@@jitendrasharma9763 nai Hoga mein to Modi ko hi Dunga vote aur mere gaonwale bhi

[@washi113]

@@SuperGetoverhere modi ji desh k liye itna kr rahai h or log thoda sa interest nhi de skty.

[@SuperGetoverhere]

@@washi113 Jitna karega utna kam hi dikhega..sub log negative point dekhte hai positive nai

[@nazargems_instagram]

Now what about 20 lack cr??? Yani sarkar Chutiya banana kohi kasar nahi chod rahi hai

[@ksbhiduri]

@@jitendrasharma9763 bilkul

[@rameshgohil2584]

You should go for moratorium because u can pay 84000 after 1 or 2 years in lump sum.. it doesn't affect that much

[@venomclassic8855]

Abhi suprime court me case chal raha h....1 weak me results aayega bro....km interest hoga ya zero interest hoga...final jab PTA chalega....abhi ke liye ye right information h.. keep it up....but aapko saari details Deni chahiye thi

[@TrulyS2345]

Kuch nahi hua😂

[@bidyasagarboruah2190]

When it comes to home loan it is not 100% true as the interest rate is lowest for home loan. 2. Be proactive.. if you are still capable to pay EMI ,still i suggest you don't pay ( if you are proactive invest same now in MF Eqity ,NPS TRIER2 with 75 % equity exposure OR in index fund. 3. Once the market is up sale and pay the lumpsum and get rid of the interest. As market will come up faster than 7% anum which is( .60 % monthly)home loan interest rate for sure. This is how i have planned my home loan,i was capable to pay but now not paying because I want to extend my home loan for more years and invest the money for more returns in current dip market.

[@MrinalDarshan]

cleaver man

[@TrulyS2345]

Wow... Clear defination of how dumb can anyone be... That's the whole calculation.. if u extend the no. Of EMI.. total payble will increase by 80-200% or total principal (depending on ur loan amount)... But if u increase amount of EMI every month and keep the no. of EMIs same.. then u will only play 6% extra or total principal... If u extend ur moratorium... U will loose alot of money and will be double or triple of what u were supposed to pay... Everyone on internet is explaining that not to increase no. Of EMIs... U r just weak at maths.. i get it.. but they r doing maths for u... Just take their advice...

[@bidyasagarboruah2190]

@@TrulyS2345 its its not only math..i said in point 3. To pay it lumpsum once the market is up..so only math can't help you...so you have to be proactive.. and now market are already up ..with 20+% deep.

[@rahulmadan6174]

Very crystal clear video keep it up.. Excellent work..

[@shubhamsarin9630]

Just brilliant ... this video can save lacs for lacs of people... who lack understanding on this topic🙌🙌🙌🙌

[@ashishsharma7885]

Great work,this will help many... Thanks for saving others money.. Keep it up...

[@arvindkhandelwal204]

The calculations showing is wrong.

[@MrJamesred]

Mana bhi liya ha moratorium kal hi paise bhar duge aur mana to video ka bich ma hi apna dosto ko app ka video share kar diya bohot achi batay batia app jo bank wala kabhi nhi batata ha thanku Mr. Jain

[@ikofficial7013]

Sir very thanx to you maine apne finance wale sare employee ko send kar diya with customer

[@mohammedmatchiswala1075]

Thank you so much for guiding and giving amazing information.

[@awadheshgupta2882]

U are the real hero in finance issue Thank u so much

[@sticker_art02]

20 lakh ka loan hai to 6 mahine ke emi moratorium se wo 51 lakh ka ho jyga, wah Kya calculation hai. Ghnta dunga bank ko fir.

[@LabourLawAdvisor]

Downloads Excel and check

[@sticker_art02]

@@LabourLawAdvisor why I don't think this will work. 6 month ka extension lene pr emi tenure 6 mahine badh jyga, aur 24+6 mean 30 month ka ho jyga, usme 24 ke bajay 30 motnh ka interest lgega, total amount ka rate of interest jitna hoga wohi lgega na,to for sidhe sidhe total amount ko double kyu Bata rahe ho,

[@baidharjena3959]

G9o

[@kinu0505]

Bakwas video and all work information

[@kinu0505]

@@LabourLawAdvisorbakwas

[@track0123456789]

Thank you sir, Solution to keep no of EMI s FIXED. (very good advice).

[@mucsicformindfree]

What you mean by Stop moratorium ???? I work for a travel agency where we sell airlines tickets. we are not sure whn our jobs will go. 1) Owners are not agreeing to pay half rent ,, 2) Salary is reduced 3) Jobs are at stake Now if we don’t stop this , Bank will start calling for EMIs ,, like 40-50 calls in a day till 11 pm ,,,,, We middle class people don’t hve bank balance , it’s better to opt for moratorium as we need to think about future ,,,, 1) Not sure when Covid wave 2 will come 2) Cure yet to be found 3) how many more days we can stay at home without jobs

[@gurmeetsingh2901]

Thanks Sir, For provide very important information , because many loan taker are thinking that bank has given 3 / 6 month relaxation. but actual thing you have informed us.

[@LabourLawAdvisor]

Yes we all thought that

[@himanshumodak]

Nice video I am happy that I don't have any loan yet. But it seems clear that instead of helping people during lockdown by not taking any interest on EMI during this 6 months and allowing people to pay that difference within next 2-3 years. Government / Finance Minister is using complicated words like Moratorium to Confuse People and make them see that "they can happily take the scheme for this year and pay the difference in next few years". But what they actually doing is charging a lot more interest on people who have home loans which are like 20-30 years long. Instead of providing any support to buy new houses like GST Reduction and stuff they are making people who would like to take proper loan to buy property with OC pay more money to bank using such misleading schemes. Also there are some people who can't afford house and move to any state from another state to find jobs. They make their houses (illegal property) on government properties(like any free space) without OC. Then they take local political support and live happy with commitment that they will vote only for that political leader. They get electricity and water connection by that way also. I feel this thing is very unfair towards common hardworking people who would like to build their own houses legally by taking loans when they can't afford. They are only making part of society who is trying to follow legal path pay a lot of money and suggestion those to go for illegal way to build houses. Instead of aiding people in need they are trying to milk a lot more money from them later. They should have released a notice like this - Due to this COVID-19 if you are unable to pay the EMI amount for next 6 months you can delay that payment for now without any extra interest. We are setting a limit of 3/5 years to pay the EMI amount for these 6 months. Even if you successfully paid the EMI amount for next 6 months later it will be recorded as there was no delay during payment of EMI in these 6 months and there would be no extra amount which needs to be paid other than the interest calculated while taking the loan. I mean they should allow people to delay the 6 months payment to later probably next 3-5 years without any penalty or added interest due to COVID-19 Situation with a circular. When the payment is successfully received bank can record that as EMI has been paid on time for this duration. So they don't have to do complicated changes to the system just delay the payment by some time and when received make it look as received on time. Which would be far easy for banks to implement that this. This is my opinion on this.

[@ggbsacet]

All these examples have taken the loan probably right before lockdown. Now, You must include a column of number of remaining emis for better visibility. For example if someone has taken a loan for 5 years but has paid emis for 3-4 years.

[@LabourLawAdvisor]

It's there

[@LabourLawAdvisor]

You can add any number of cancel emi

[@ggbsacet]

@@LabourLawAdvisor yes, I saw it later. Thanks for great video.

[@rohanshete8]

Sir me abhi yeh 6 mahine ka Emi ka paisa save karke kahin aur invest kar raha hu... Ab me yahi EMI ka 6 mahine ka paisa jab moratorium khulega tab sab sath me bhar dunga aise me mere loan me mujhe sirf 1500 rs jyada bharna pad raha hai.. Aur me yeh paise 6 mahine kahi aur invest karke usse double paise bhi kama raha hu

[@473akashdas]

Very informative and eye opening 💯🙏

[@amrutapawar8921]

Very informative thanks Sir

[@mohanbhoyar5460]

Excellent video on those how depends on bogus modi package many stupid are still hopeful that modi package will pay them something.

[@Gobinrai1992]

Oh my god... This is an eye opening to many people... Thank you sir

[@suryakantpatra3266]

Very effective video in pandemic situation

[@indiadilse3462]

Jai ho. Shaq toh pahle se hi tha, ab yaqeen ho gaya. Ye financial covid hi hai. Jai ho janta ki sarkar ki. Shukriya bahut bahut shukriya.

[@mohdzakiahmed8174]

Love you and eid mubarak ❣️

[@PANKAJPATEL-eu3he]

Well done well done well done Pahle Diya hota to bahut achcha tha mere Ko itna fine lagaya hai ki Paisa kahan se bhar pavu

[@gspanwarytchannel]

Mujhe bhi yar 11000/- extra pay karna padega... Acha pagal bnaya inhone...

[@harshsahay3534]

@@gspanwarytchannel galat calculation keye h yeh.

[@nitilkumar98]

Really bro I appreciate your work. Thanks a million. You are such a great 👍 person.

[@Ansariiiiiiiii]

Sir aapne calculation ab kr neme 2 months phele ker le teh... Eid Mubarak....

[@Yoyogroup17]

Right bol rha hai tu bhai.

[@abhisheksharma-vb6yl]

Sir education loan ke bare main bhi ek video banaye plz...

[@rameshyadav-uo9yt]

Reshab Sir U r Amazing man.I agree with u following adv.

[@Brajeshkumar-pb5lb]

Helpful information! Thank you

[@ikpegasibrj]

Your advice is into vein as the govt paid the extra amount charged to the customer 🙆

[@JoydeepRoy301]

But during the moratorium only Simple interest will be levied as said by govt.

[@ayannarselvaraj9375]

Fake. No news like that. Rbi notification reads, interest continue to accure as per lender policy. All lending institutions follow only compound interest.

[@prashantsolanki007]

lol who said that. no one said that read the documents.

[@tradingwizard562]

I had loan of 2.34 Cr (taken in Oct 2018) for 20 years , by the start of covid lockdown I had done some repayment and it had come down to around 2.17 Cr . I had to take moratorium and by the time covid lockdown ended , the recalculation was done on the loan and the rescheduled loan amount became 2.43 Cr and the 20 years loan became a 30 years loan 😂 . I am still paying the emi and currently thinking of selling a property to pay off this loan . This is the mahan Govt gracing the citizens with their financial kripa .

[@subhajitchakraborty2164]

Sir, please make a video on PMAY (U) scheme. I have applied for it in July 2018, but till now the process is going on. Subsidy claim approval at nodal office is awaited.

[@LabourLawAdvisor]

Now all that is done by bank, ask you bank manager.

[@dhansinghlahare7386]

Thank you Sir.. It's very good information.

[@alphatrade973]

हमारे दादा परदादा ने ये भी कहा है कि लोग अक्सर ही मजबूरी का फायदा उठाते है। अपने सब कुछ बतया पर कैलक्यूलेटर अविलेवल नहीं करवाया बल्कि ऊके बजये पहले एक्सएल सीखो फिर अपने आप करो । मतलब अगर हम चाय पीते है और उसके लिए दूध की जरूरत है ।तो पहले एक गाय लो उसे खिलाओ पिलाओ फिर दूध निकालो तब जाके उससे चाय बनाओ अछा बेवक़ूफ़ बनाया

[@LabourLawAdvisor]

Excel.is available second link in.pinned comment.

[@tusharrao8649]

Thank you for sharing such valuable information👍

[@shrikanthmididoddi4960]

Thank you sir.......For explaining about financial Covid

[@yogeshrane5768]

This type of problems will come which have taken the loan in this year, If your loan emi completed 10year , it will be beneficial

[@silvermasterstudio1087]

Post this on twitter and tag RBI and ministry of finance. Let's see what they say.

[@Dollarearnings]

Nothing will say...

[@galaxytribes4536]

Definetly Correct sir first moratorium 3 month me mene same yahi kya he amount increase kardi na ki tenure. So muje bahot intrest laga he. Bank ne ye option waise diya tha muje choice krne ke liye.i thought sabko diya hoga.

[@amitytt]

Thanks for awareness Sir jee🙏

[@rakeshkamble8257]

Thank you so much sir... This info is very useful for everyone.

[@alamsaiful711]

Eid Mubarak thank you aur knowledge

[@LabourLawAdvisor]

Mubarak

[@santushee745]

Thanks for the important information

[@smitesh1990]

It's really good and helpful information sir

[@hemantbasera]

U r doing great job sir.

[@shreekishori7295]

Namskar Sir, Kripya Medical Leave/Sick Leave topic par ek video baniye, jisme agar Medical Certificate submit nhi karte to kya action liye ja sakte hai. OH&S ke purpose se kya view ho sakta hai? I love your way, how you tell and make understand the terms. It is really much appreciated. Thanks so much Sir.

[@rahultripathi6908]

Solid information 👍

[@lovkushprasad8592]

Thank for this knowledge...boss

[@nj1705]

Supreme court of india has made plea to RBI on intrest on loans...lets what happens...

[@rahulkomati5538]

Yes

[@cunalrainerkapoor1258]

I've applied for a monotorium, because I live in a red zone yet they have debited my account without concent: HDFC IS THE worst bank and soon they will get millions if not billions of tax payers money as aid from the government even though they are doing nothing the RBI has asked for

[@mayankkotadiya4703]

Nice information but how to stop moretorium please make video on it also

[@TusharKeluskar]

if your balance tenure is more than 20 years u must go for moratorium as most of us will nill our home loan before 15 years.

[@trtbapan5678]

Useful video.. sometime govt try to make us fool by using hypothetical word. And try to avoids transparency between govt and normal public.. My point is govt should take the responsibility and subsidize the additional interest during the moratorium period.. And don't try to give kind of 5 days explanation like 20 Lakh Crore package..

[@sabsealahamaranabi9483]

Brother customer care wale bol Rahe hai ke AAP jab moratorium karoge June, July, August,ka to September ko apko sirf yeh 3 month EMI KA INTREST PAY KARNA PADEGA AUR KUCH NAHI YEH KITNA SAHI KITNA GALAT HAI PLEASE TELL ME..koi customer care kuch bata rahe koi customer care kuch alag baatein bata te hai...

[@dammarthapathapa3578]

Thanks sir ji .... sharing knowledge 🙏🙏

[@bhupeshkalal2144]

सर इसके विरुद्ध कोई कानूनी कार्यवाही नहीं कर सकते जिससे सभी को राहत मिले अगर ऐसा हो सकता है तो केसे करे

[@nishitsrivastava1783]

Thanks for your video it was indeed informative. Can you make a video on floating interest rate home loans and is there any regulatory body to govern that benefits of lowered floating interest rates is transferred to the consumers

[@vraazkoirala9034]

Maine bhi moratorium avail karne ki appeal ki thi but jaise hi pata chala iske hidden surprises k bare usi waqt cancel karwa diya.... Aji kam kha lenge lekin free ka nahi denge bank waale leechado ko.

[@udaysingh3272]

Hi, Thanks for the calculator and thanks for this video, really helpful.

[@sanidhya4157]

Thanku sir u have opened my eyes.

[@gspanwarytchannel]

Doston kuch aisa karo jisse govt humse ye principle overdue interest na wasoole.. Ye toh bhot galat baat hai.....

[@Vikashkumar-gh1td]

i applied for emi mortatorium on icici bank credit card first they cut the minimum due after that on next month bill on credit balance of 18600 i was charged interest of amount 1460 including tax and about 550 rs for excedding the credit limit of rs 20000 as it was my limit. This is too much interest if i carry this for 3 months i think it will become more than 6000 interest. its a big trap. thank you for sharing this valuable info.and no one is on the customer service to solve this query.

[@kasamjamatia6587]

The right information, good

[@CharPahiyaa]

Thank you so so much Brother 🙏

[@sunilchaubey7429]

Let's make it more clear: Good: The moratorium is good for those whose income is severely affected by the pandemic and could not pay the EMI on loan due to insufficient fund in their bank account. And I think you know how does it affect your CIBIL and finance in future. Bad: The moratorium is bad for those whose income is not affected by the pandemic and can pay the EMI as per their financial plan. Suggestion to those who have opted for the moratorium but don't want it anymore: Speak to your bank and request to opt-out for the moratorium. (Note- Bank can figure out how was the financial scenario of your account when you opted for the moratorium and will act accordingly) Suggestion to Rishabh Jain: It would be more effective and transparent if you could have provided your calculator publicly by any mean. One more thing you can add to your video about how to opt-out for the opted moratorium. ( Note: I have done this in and out just a couple of days back) Regards Sunil Chaubey (not a finance guy but know a little bit)

[@LabourLawAdvisor]

It's publicly available via Excel link, open with Google sheets all calculation and formula are available

[@LabourLawAdvisor]

Share process of option out with us on [e-mail]

[@sunilchaubey7429]

@@LabourLawAdvisor sure

[@sunilchaubey7429]

@@LabourLawAdvisor Sorry I didn't see, actually by opening the link it was redirecting to purchase the course and I missed the download link. Now I found it. Thanks

[@vivekacharya92]

Bank says due to moretorium they get loss but the loss is only for middle class people, bank is getting interest coming. Bank has all in their side if they didn't get new customer then also they are getting money due to people taking moretorium. Instead of giving relief package and moretorium government had given so emi relief by giving some couple of month emi benefit to people.

[@sukhildh]

हमने तो सुना है कि 2021 मार्च के बाद जो ब्याज है इसका एक अलग से लोन बन जाएगा

[@pradipsinhzala4877]

ITS NOT TRUE - Are Bhai saab 1500000 ki loan me agar 6 mahine tum moratorium lete ho to apko extra interest 84000 par hi lagegi, is liye apko jo extra interest bharna hai wo hoga 1,87,918 na ki 5,65,488 20 saalo me....

[@LabourLawAdvisor]

Only if you increase the emi amount. If emi amount same 5.7 lakh lagega

[@pradipsinhzala4877]

@@LabourLawAdvisor If you keem same you have to pay additional interest on 84000 which is 187918, your tenure will be extended,

[@kamalakshamishra6733]

I have found some advantage of the moritorium.(for long term home loan) It can work for us as low roi personal loan. Example - If you have 20L loan balance 7.5% roi sbi. emi- 16k Take moritorium - 48k in 3 m After 6 months it will 53k After 12 months will 58k Then when crisis period will over prepay 53k/58k by some part & some comfortable intervals. Or let increase the tenure. Don't look at total amount of interest pay or extra interest pay in long term loan. After 20/25 years your emi of 16k will burden like 2/3 k compared to today's burden. Think yourself before taking decision.

[@waveszoom11]

Boss you have done some blunder in preparing Excel File. I have received new statements from Banks and they are taking only interest amount of Moratorium period. Please go through Bank Statements, if you want I can share details on your personal email id. Also, note, no one has received moratorium of initial 3 months. Everybody has received only for 2 months.

[@rahulaggarwal9477]

You are right vivek. They are showing calculations with wrong figuees

[@LabourLawAdvisor]

Please share details on [e-mail] if banks are allowing to pay interest right after covid no issue. But in most cases they will capitalize it not everyone can pay 6 month interest in one go.

[@waveszoom11]

@@LabourLawAdvisor Email Sent

[@srinidhisri2838]

Hi sir pls share the statement I am really scared after seeing it. [e-mail] is my mail id

[@farazrizvi5163]

Right

[@digvijaypurohit4116]

For a case study,I am sharing my experience, I had home loan with hdfc, I took moratorium, my principal amt was 304945, it was to be paid in 21 emi, when I asked for statement, it showed principal of 326305. They have charged total 21000 thousands of interest, instead of fair 7200. You can see how banks are looting the customer in the name of moratorium with the help of RBI and government, in this critical unprecedented time. I will raise this concern to the higher authority....as far as I can. You can think of people who has big principal AMT.

[@mohanty1biswaprakash282]

Sir ji i have taken PL and credit card loan but now i am jobless so i am unable to maky payment.... what should do..

[@narindersingh2059]

Hello sir. Can u please make a video on cheque bounce charges etc.

[@pkmoharana29]

Sir This video is very informative.Please prepare a video on CGTMSE

[@rizwanx1july]

thank you so much for this knowledge.

[@vivek_sharma512]

Ek baat bta....agar moratorium naa le to kya kre Fir eetna bta de cheque bounce hone de penalty bhi do Uske baad civil record bhi khraab......🙏 research to krli lekin solution nhi btaya.

[@rahulharshvardhan7764]

दोस्तों हम सभी को मोरेटोरियम की ज़रुरत है हमारी जॉब्स छूट गयी है और जॉब है भी तो आधी सैलरी के साथ काम करना पड़ रहा है ऐसे में हम EMI कैसे दे सकते है जब हमारे पास खुद ही पैसे नहीं है RBI ने मोरेटोरियम अगस्त-20 के बाद आगे बढाने से मना कर दिया है आप सभी Twitter पे जाके इस बारे में ज़रुर पोस्ट करे और PM Modi, Nirmala Sitharaman, RBI को टैग करे और hashtag #moratorium3 यूज़ करे ताकि हमारी बात उन तक पहुंचे और हमें मोरेटोरियम मिल सके ! 😊

[@FarhanKhan-dh2zh]

Sir but present situation ke chalte, jahan logoke jobs paused hai payments source bhi band ho, wahan kaise log present emi paid kr payenge. Toh compare to that small mobile apps loan or personal loan with 1 lac rupees. Uspe kya asar hga yeh bhi batado.

[@coloursoflife211]

Excel wexel Forget just make a Ulternate Of Tiktok so u can help india and save millions of Indians 🇮🇳

[@nirbhayranbhise8394]

Thanks for making this vedio on moratorium ,to have it or not whether it is benificial or not THANKS I had not taken Moratorium.

[@hassanssharieff6592]

Moratorium se fayada hua abhi mere loan housing nbfc mei hai rate of interest 14.4. Per ab ye transfer ho ke sbi aajaye ga aur rate of interest is 7.5perecent.

[@Samiramishra645]

Why are using 30 yrs ....use 5 yrs...a small loss not a large loss...express the loss in percentage not in amount.

[@LabourLawAdvisor]

This one is a bit tricky to explain in percentage. But we did provide you with a calculator, you can calculate your own loan

[@kuldippanchal5099]

There are 2 parts of EMI 1.Principal 2.Interest So morotorium par interest sirf principal amount par charge hoga. You are not differenciating between both So your calculation is wrong As interest will not be charged on interest portion

[@LabourLawAdvisor]

Wahi kiya hai

[@kuldippanchal5099]

@@LabourLawAdvisor nahi kiya hai Outstanding mai bhi nahi kiya hai Na EMI Pe kiya hai bifurcation And I am so sure that I am ready for bet

[@vishaljaswani9094]

Correct .wrong calculation h aapki .intrest toh vaise bhi include hota h emi main.moratorium lena hee sahi h .corona ki vjah se future main kya hoga kuch pata nahi h .paise apne paas rakhna hee safe h

[@alkeshsoni9500]

RBI ne benefit ke naam par bank ko munafa aur loan borrowers ko dhokha diya h........Its not a moratorium its a financial punishment. Salary cut...not in time...loss of jobs...fall in business.....How we will repay.

[@MrShiv73]

Thank u very much Sirji...for advice

[@jerinevarghese3485]

What about Education Loan. Does this same calculation works on it as well???

[@kirankhanvilkar6876]

Thank you for knowledge

[@KingdomSeed07]

Sir i think Home Credit interest nhi dal raha hai...because maine Home Credit se personal loan liya hai....make a video on it...👈👈👈