Top 3 Home Loan Benefits in India (Hindi)

[@AssetYogi]

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[@RajuRajuRaju11]

Include stamp duty and registration charges also while calculating the net profit.

[@msktravel]

Bhai .. Real estate especially house or flat don't appreciate by 15percent.. it's not worth investment . Builder sucks all the initial gains. Try to buy land or plot

[@vivekpaliwal1876]

ROI ka fayda tab hi hota hai agar ap k pass extra property hai or kuch salo k baad usko bech dete ho......lekin agar ap jis house me rahte ho fir usko kuch salo baad profit me bech dete ho to jo amount hath me ata hai..kya us amount se aap same ghar dubara kharid skte ho? nhi....apko usme extra registry charges add krne pdenge,dealer ki commission etc...

[@AssetYogi]

You are right Vivek. This video is only to demonstrate possible returns.

[@PramodKumar-ni5ps]

Nice

[@pratikgulve6150]

What is Procedure to take handover of flat from builder or check list Documents which should be taken from builder @ time of Purchase

[@GAURAV190187]

In case of joint property can stamp duty be used by both borrower and co borrower in 80 C benefit by dividing it equally....

[@sd070809]

Nice explanation ... but property prices in most major cities are appreciating at 2-3% The new flat I purchased 4 years back is giving me only 10% returns on resale

[@ayanthe90smusiclover61]

In which city?

[@ayanthe90smusiclover61]

What about its rental income?

[@diveshsolanki1224]

The last example showing 43percent returns is really misguiding...you are only considering ROI from 10L but the fact is that you have invested other 40lakhs over the period of 1year....

[@rohitbhardwaj8098]

I couldn’t understand the logic. I have to pay commission, bank processing fee, house registration fee, and various other and not to forget 40 Lacks loan is not for 1 year. I suspect you have to continue your loan for longer period. In that case you will end up paying more interest. And worst is most of the time you have to pay extra charges for loan pre closure. If i add up all these thing then there will be hardly any profit unless the property keeps growing at 15% for longer period.

[@karim22555]

Hello Mukul. Can please make this vedio according to this year. And how about the flat in a apartment. Because usually we see depreciation on flat rates and in this case is housing loan is good for taking a flat in an apartment.

[@rakudas1245]

Thank you Sir very much for your each and every video... You explained each topic in such a way that we understood it so easily. Sir, could you plz make video on PMAY Housing Loan and PMEGP Loan.??? Claim & Subsidy??? Also how EMT is done for under construction Flat???

[@balramsinghyadav2075]

Very useful information as usual 👌👌👌👌

[@AssetYogi]

Thanks Balramsingh :)

[@padmavatienterprise4223]

Very nicely explained 👍 but one request that please repeat all points in the end like in this vedio 3 benefits of home loan so it's better if you describe all three again in the end . 🙏

[@AssetYogi]

Noted

[@Mister.Doodler]

Thankyou. Can u make a video on Cashout refinancing for Indian market and how to benefit wjtb zero tax and create wealth in real estate

[@kshitijpeter]

Did you factor in the cost of 1. Showing the house/Brokerage 2. Registration/Legal fees. 3. GST/Service Charges ??? So for 50 lakhs the base coat should be 45 Lakhs and the buying cost for 57.5 would be 63.... So the increase is (63-45)/45 = 18/45=2/5 = 40% appreciation from builders selling price

[@amanvalmiki6710]

Thank you sir.😊 Aap explain bahut acha karte h.

[@AssetYogi]

Dhanyawad

[@jayeshkhara1425]

Sir, Please make video on financial planning for a young one of 24 years,who has started his job recently.

[@renuka2740]

If house is let out on rent...Can the whole interest paid for the home loan be claimed in section 24?

[@dishantbansode1918]

How to provide Financing Support like emi options to my customers if they are not having regular income and if they are not fitting in eligibility criteria.. my company is Service Based company like repairing and modifications of houses, shops etc. Plz suggest

[@Vikash-VS]

Boht important question h please look into this. Maan lijiye maine 50 lakhs ka under construction flat liya Uspe gst and registration charge to mention nhi hota Aur bank in taxes pe loan bhi nhi deta Fir mere pas 30 lakhs the jo maine builder ko time time pe dia as per construction. Ab maine loan ke liye apply kia Mujhe bank to ab pending amount 50-30 = 20 ka hi loan dega Ab merepas gst and flat registry k paise nhi h? Kya mera builder bank ko bolega ki mujhe 20 hi mila h as a down-payment and 30 ka demand krega Jisme se 10 lakh mujhe mil jaege for GST and registration Ya aisa possible nhi h Ab kya karu mai Please help Koi rasta btaye sir

[@srikanthg3849]

Hi sir! How to know where we are in real estate cycle? Thanks in advance.

[@devduttatri6558]

Nice video sir. Sir kya ghar ko kiraye par dena chahiye ya nahi. Please make a video on this also. Because your videos r always unique.

[@agvlogs4224]

सर मैने होम लोन 7 लाख का लिया है 20साल के लिए 2015 में। लोन को अब 2 से 3 साल में चुकाना चाहता हूं इसका क्या प्रोसीजर है।

[@AssetYogi]

You can watch my video on Home Loan Prepayment, it will be helpful for you: kzbin.info/www/bejne/rX-WkJx4fpZsm7M

[@krushnanarkhede8717]

Sir please make video on benefits of SBI maxgain Home loan account over other normal home loan

[@thirumalegowda3385]

Sir, you missed below 3 major items. 1. Registration charges ... which is 18% of net property - which is 50*.18% = .9 to 1.25 Lakh loss 2. Loan Processing and pre closure charges + transaction cost for both Buy + Sell, around 30 K 3. Short term Capital Gain Tax when you sell this property if you use for other purpose... ( 30%), 30% of 7.5 Lakh profit ( as its loan and all is white), ie 2.2 Lakh Tax Loss 4. EMI cost is high in 1st yr , 3.2 Lakh Net outflow is = 1.25 + 2.2 +0.3 + 3.2= almost 7 Lakh ... where is 40% return ? on investment only Tax saving is the benefit I see here...

[@anilpatel2473]

Hello sir, I want to know about NeSL for home loan and it is compulsory or not. please guide in this matter. Please make video regarding NeSL home loan.

[@AssetYogi]

Noted. Will try to cover in a future video

[@gopalrajput2199]

Sir. Bahut Achha guide krte ho. Thank you

[@AssetYogi]

Thanks for appreciation Gopal :)

[@SwastikaYash]

Hi Mukul.. Could you please add a video on US auto loans system end to end?

[@pratikgulve6150]

Please make Video on insurance & it's types

[@whatever3041]

mere paas 60 lakh rs bank me hai, mujhe ghar aur car dono lena hai, monthly income 60000 rs hai, kya karu?

[@Aryaawakening]

मेरा एक loan hai..700000 रु काLoan against property.इसका roi hai 19% p/a . मेरी emi जाती हैं 15300 रू । तो क्या मैं इसकी emi कम कर सकता हूँ अगर हा तो कैसे ? Please answer me..

[@thakarsingh4595]

hlo

[@Aryaawakening]

Hello ,sir.

[@SachinKumar-yu8cz]

Bro, Thanks for the unique information you are providing to us, Please make a video on how we can prepare our Detailed Project Report to for Bank. I am working on it but looking some guidance from expert (like you) as well. Thanks for your efforts. APPRECIATED.

[@bhopaswami3374]

Sir salery wale log plot purchase kre ya flats plz make a vidio on this topic and kis sallery k liye kis rate tak ka flate theek rahega or kitne time tak ka lone le

[@AssetYogi]

Will try to cover this in future videos :)

[@rahulpal80]

Sir, Ak sawal bohot din se paresan Kar Raha hai. Agar home loan leke ma home bana na jaruri hai.na banau to Kiya hoga ... Please sir reply me I request you to ...

[@mehdimerchant5227]

Sir i have a question maine 1 flat 20 lac mein kharida 5 sall baad flat bech raha hoon ab ready reckoner ki price 35 lac hogaye tho mereko according to ready reckoner rate ke hisab se paisa lena honga ya main apni marzi se 25 ya 30 lac le sakta hoon, please eeska jawab de. thank you.

[@meghaagarwal6698]

Please share video on all home loan products like 1 pager....LRD LAp

[@kumarstutorial3705]

Good morning sir, Please tell me that home loan subsidy amount 2.67 lac is only for female or male when an applicant don't have no female co applicant

[@Fuelthejet]

Very well explained sir.

[@saurabhpandit2400]

Sir 2011 me Home loan liya h pahle hi Sara interest Chala Gaya h kya ab loan chukana Sahi rahega ya pesa Kahi or lagaye,

[@vinayakraghuwanshi2277]

Thanks sir best suggest

[@AssetYogi]

Most welcome

[@rajanmathewk]

sir there is a mistake. you have paid EMI for 12 months on 40 lac loan. means 4.80 lac total emaid PAID and u have to pay back loan after 1 year that too around 39 lac as principle amount is not much adjusted in first year. so in this calculation 10 lac own money DP + EMI paid for 12 months ie 4.80 lacs so total investment is 14.80 lacs and you are having the left out of 17.5 lac mean profit is only 2.7 lacs which means 18% return on total own money own 14.80 lacs not as described. please correct me if am wrong , property appreiaton at 15% PA is quite unrealistic too so chances are at par considering rent . once we buy on HL there is emotional attachment too so it is really unlikely that we earn profit and exit in short time .

[@pratikgulve6150]

Please make Videos on Building Amenities & Maintenance Charges

[@pankajdewalwar1853]

Sir bank loan he to property sel kart sakte he ky video banye

[@shrishayam6287]

Sir good morning क्या हम लोन लेने के बाद में क्लियर कर सकते हैं जैसे कि मैंने 20 साल का लोन लिया और मैं 5 साल बाद ही क्लियर करना चाहता हूं तो उसमें कितना इंटरेस्ट जाता है

[@c.p_yatri]

Bank wale bahut chalak hote he .pehle ka 5 saal sirf intrest ka paisa kaatenge. Pricipal amount thoda sa katega.

[@hashtag9018]

Agr humari property humne 5 saal ke home loan pe kharidi hai to 1 saal me hum usse kaise bech sakte hai??...q ki humare documents to uss bank ke paas honge or bechne ke liye hume documents ki jrurat hogi???

[@satpalyadav449]

Sir kyaa ye Jo aaj ka time h Land m investment k liye Sahi h ya Abhi or bhi deflation aayegi?

[@prashanttiwari5855]

Hello Sir, Can you please how much of home loan should be taken. As in today's world banks are even ready to pay 90% of the home amount as home loan.

[@vamshi731]

Hi sir, Can we get two loan(different bank ) different properties in same city It is legal

[@AssetYogi]

Yes. You can take any number of loans.

[@vamshi731]

@@AssetYogi in same city is it possible ?

[@vamshi731]

@@AssetYogi thank you for your kind reply

[@abhishekshukla2745]

Hello mukul ji Your video was quite informative. Please let us know to claim tax benefit on construction linked home loan. Ab

[@AssetYogi]

Thank you for appreciation Abhishek, & I am noting down your suggestion for future videos 😊

[@anilpardhi4687]

sir, ome loan nationalise bank se ya hdfc lena accha rahega... hdfc ke bare aapka kya advice hi

[@AssetYogi]

Apka main aim lowest interest hona chahiye. Chahe wo nationalised bank ho ya private. Aap paisa le rahe hai, to uski cost (interest) minimum honi chahiye.

[@abhijeetbairagi5956]

Hi Mukul bhai, Please make one video on PMAY ,how to avail subsidy of 2.67 lac and what are the conditions?

[@AssetYogi]

Noted. Will try to cover in a future video Abhijeet :)

[@hardikmaandviya]

Sir, maine ek flat kharida hai 1 bhk ka jiska price tha 14.5 lakhs. Usme se maine 10.9 lakhs ka loan liya SBI se aur baki ka down payment kiya. Maine ise kharida tha april 2017 me aur main ise bechna chahata hu. But market bahut low hone k wajha se abhi koi customer nai mil raha hai. Muje stamp duty karib 85000 Rs bhi lagi thi. Kya aap muje suggest kar sakte ho k agar main ise 16-16.5 lakhs me bechu to accha rahega.

[@yuvasenadistrictpresidentv2555]

Bhai jo 3.2 l interest bataya but jo EMI would puri sal me bharege usko 10 l me add nhi Kiya . I mean we paid 1000000 n we sold it in 750000 profit jisme see aapne interest 320000 minus Kiya but what abt the EMI paid during the year

[@bhanwarpatel4919]

3.2L interest apko one year k bad loan amount 40L k sath dena hai not monthly EMI. Mtlb 40+3.2=43.2L amount pay karo property sell karne k bad....

[@kshitijpeter]

Not factored in the selling cost ... Showing the flat/Brokerage, Registration, GST/Service Charges, Legal expenses.

[@opporealme4737]

धन्यवाद

[@shivakumar6678]

Excellent explanation

[@AssetYogi]

Thanks Shiva

[@rehanfarooqui5327]

Please let us know i intend to take loan 20 lacs if i pay EMI for 15 years so i would not be able to save or run single SIP but if i go 4 20 yaears then i may save 3000 pMth my ageis 46 and m salaried person working in pvt com

[@hindimotivation6707]

I am thinking same sir😉😉😉😉

[@khanmahefooz3391]

Sar sabsidi pass hojae home loanki to kitna fayda hoga hame or sal or pese kitne Kam honge pliz vo video banao

[@nikunjgattani999]

Very informative video. Thank you

[@dhirajpandey9230]

mukul ji ap term insurance ko ache se describe krte to bhut help hoti

[@AssetYogi]

Watch this video kzbin.info/www/bejne/p2jMeKR_o8ZnidU

[@bodhisatwabanerjee1785]

🔴 🔴Can i take loan below 20 years to avail PMAY ? Is it compulsory to have the Flat-Project HERA/RERA approved to avail PMAY ??

[@pramodshekatkar]

Hi.. Could not understand from 6:17 to 6:24..:( .. 10 lakh ka agar 4.3 ban jata hai toh benefit kaise hua.. ?

[@tarun4]

are you not missing the capital gains and per month payments..... on the home loan + insurance + house taxes and utilities. please consider all these factors into consideration. thanks.

[@sanasyogesh1]

Hello sir. can you please tell me how will I get full pmay subsidy for under construction property. My pmay has been released but it is only 44000 out of 267000. how next amount will be credited please confirm.

[@rahulsahu8658]

Aapko full amount mila kya

[@DrMilanModi]

Excellent

[@AssetYogi]

Thanks

[@byadavrao175]

Excellent sir

[@AssetYogi]

Thank you 😊

[@rafiqpathan4766]

very very nice video sirji. Kya aap Mahada Housing ke Ghar Karidne aur bechane ke Documents ke baareme detail me koi video bana sakate ho. Agar Bana sakate ho to jarur banae. pleaseeeeeeeeeeeeeeees.

[@rajeevshukla8870]

VERY NICE

[@AssetYogi]

Thanks Rajeev

[@pratikgulve6150]

How to Give open Vaccant land,Bungalow,Residential Flat, Commercial Shops,Showroom,Offices, Industrial Godowns, Warehouse on Rent OR Lease?

[@amit05ec01]

Make a video on benefit of taking home loan with co-owner (spouse - working women)

[@63yashdubey71]

Videos on real estate investing and how to finance them..... Please

[@AssetYogi]

Keep learning Yash :)

[@ravindrayogi1005]

Explain in detail about loss from property pls

[@payalkale4910]

Sir mene 16 lac ka flat liya 10 lac loan liya par wo interest se 16 m nhi hota jada hai to kya kru Or flat chota hai family nhi rhe sakti To loan jaldi jaldi kaise paid kru Or 2ra flat kaise lu koi idea bata ye 35 tak hai 2ra flat

[@swapnilkadam7422]

I've got a little bit of financial knowledge from your videos.. but I think you should rethink about the explaination you've given us in this particular video about home loan @AssetYogi

[@amanshaw4181]

Sir , You should have been cover the benefits of pradhanmantri awas yojana. ROI would have been more high if anyone fulfill the critaria of P.M.A.Y.

[@anilkhute7844]

Hello sir mujhe samjh ni a rha ki home. Loan liya jaye ya ni....... Pls. Suggest me...

[@AssetYogi]

Agar ap home loan ke interest se zyada return de aisi jagah invest kar sakte hain to apko home loan lena chahiye, warna nhi.

[@msp9693]

Bank will take first higher interest rate for 50 % tenure. That will be more than 70% of ur interest is paid in first few years . Even if sell it's loss

[@nileshprajapati3112]

Investment property buy kar ke positive cash flow bana sakte hai thane me?

[@nileshprajapati3112]

Renal income positive cash flow

[@uddeshkshirsagar8743]

Hii sir mai navi mumbai se hu Muje ek bat batao sir ya CIDCO Letter kya hota hay or or o lene ko kitna din lagta hai

[@nemichandjangid9367]

Sir loan against property - agriculture land par konsa bank loan dega ....for factry constration purpos .or rete of intrest kya hoga ...self employed...cibil score very good

[@shamimahmad2522]

Sir I want to take loan of 1400000 rs .can u suggest which some bank home loans will be better???

[@akshaykeswani4757]

bhai processing fee and registry ka kya

[@Vinodbhardwaj250]

@sir 7.9 ek saal ki monthly installment b to add karo guru ji....30 lac ki 30k installment ....12 mnths me 3.60 lac humne installment pay kari...dat means after one year we paid 10lac+3.60 lac towards d flat....

[@rohanahire7175]

Sir, total annual tax benefit(interest and principal repayment) 3.5 lacs milega kya?

[@ravendrasingh3049]

आपने 10 लाख पर प्रॉफिट कैलकुलेट किया है। और प्रॉपर्टी की सेल वैल्यू से सिर्फ इंटरेस्ट पार्ट घटाया है इनमे टोटल emi*8%*tenure को घटाया जाए इसके बाद जो profit हो उस पर कुल प्रॉफिट निकाला जाए तो बेहतर होगा।

[@AnilSharma-sl4bi]

Sir pls make video again for home loan on this current time for whether we need to take home loan or not in this covid pandemic. Or we need to just sit back and relax for time to come

[@vivekpadole9430]

Very nice video sir Education loan aur uske interest ke bare me video kijiye please

[@manishcs1236]

Good information sir thank you

[@bharatparmar8815]

Sir, Home Lone le ke rent pe Dene ke Kitna benefit Hoga ya lost ho ga

[@RajeshSharma-bo4oq]

Sir, i wish to interact with you regarding my financial situation.

[@ravigupta4982]

Sir, thanks for very beneficial information. My query is that I am a salaried employee. And I have purchased a property of built house for 70 lacs and taking a home loan of Rs 60 lacs .jointly with my son who is also salaried. Employee. Kindly. Guide me for registry of house whether it should be above 50 lacs or below 59 lacs for any TDs on sale /purchase amount. I am a purchaser of built house.

[@ravigupta4982]

Below 50 lacs instead of 59 as stated above

[@spiritual350]

You are great Sir

[@pushkrajhedda6115]

Thank you so much for sharing your knowledge ....pls keep posting..pls make video on best books on real estate ....indian or other also

[@AssetYogi]

Thanks Pushkraj. Unfortunately, we don't have some serious books written on Real Estate investing in India. Most famous books talk about US Real Estate and situation in India is totally different. Just in case, if you have not read "Rich Dad Poor Dad" by Robert Kiyosaki and "The Richest Man in Babylon", they are a great start as a beginner. Then to understand the local situation in India, you can watch our videos :)

[@ramgopaltanwar412]

Sir home loan lene ke liye pahle home lena pade ga tabhi to milega

[@akshaychauvan8708]

Bohot bhadhiya, but sirf aap apne video ki audio quality ko saaf kijiyega. 🙏🙏🙏👍👌l

[@CAmotivation.1]

Thank u sir

[@AssetYogi]

Hope it's helpful 😊

[@cinerentindia]

Stamp Duty loss bhi to hoga sir ji

[@vishalwaghole09]

While explaing 3 point who should have to concentrate on Stam Duty and Registration.

[@Rahul_k123]

Sir, could you please tell if flat is registered in my wife's name and she is a. Home maker. Home loan is taken on my name with my wife as co applicant and I am paying full emi ,can I avail tax benefit on home loan? Need your guidance.

[@Rahul_k123]

Please reply

[@Rahul_k123]

Mukul ji please advise

[@malkitsingh-dq3up]

sir please tell me what is non litigation certificate urgent