வீட்டு Loan-ஐ எப்படி சீக்கிரத்தில் முடிக்கலாம்? Pay your EMIs Faster!! with English Subtitle

It's been a mandatory benchmark, that everyone must own a House, but to achieve this goal, Everyone gets entangled in Loans and EMIs. In this Video our Founder & CEO share some ideas, on how you can pay your EMIs faster with Proper Planning. Stay tuned till the End for more exciting News.
Calculate your EMIs using Excel:
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[@varshamathu1756]

Great eye-opening video 👌

[@TRADEACHIEVERS]

Thank You

[@devipriya_merish]

Thank you so much sir

[@bhuvanakrishnan5513]

Useful video.already used the second tool.Really 1st tool worthy.Going to apply..Hatsoff❤️

[@yatheshm8421]

Sir I have one doubt = say if I'm paying 30,000 I'm paying an extra 5000 a month if my debt is 30,00,000 and what I'm doing is in a year I'm paying 1,44,000 as a pre closer as well then how much can I save ?

[@vkstudiopath]

Same doubt 🧐

[@DrKSutha]

I have never seen such a live practical session. You really saved lot of people's life. Thank you..!

[@karunanithikaruna55]

Yes,doctor

[@senthil6342]

🙏🙏 Thanks a lot.. This is valuable video for middle class people like me.

[@pushi3649]

So put a video for freshers who started a job now at 21 years. It will help out begginers and my have brighful future for us. It will save our future and brings a clarity of financial needs.

[@_naturekuttys_2301]

We are struggling for paying Emi for Housing loan 65000 per month, is this possible in canara bank?sir

[@TRADEACHIEVERS]

Yes do ask them for rescheduling

[@_naturekuttys_2301]

Thank you sir

[@karthickcbe8753]

Sir as iam a student very proud and congratulations for 300000 subscribe

[@tptravelling]

வணக்கம் ஐயா. நான் 4 லட்சம் பணம் எடுத்து உள்ளேன் emi மூலம் மாதம் 13166 என்கிற முறையில் 48 மாதம் கட்ட வேண்டும் இதுவரை 5மாதம் கட்டி உள்ளேன் இதை குறைக்க என்ன செய்ய வேண்டும் சொல்லுங்கள் .புண்ணியமா இருக்கு நான் சலூன் கடை வைத்துள்ளேன் சொந்த ஊர் ரிஷிவந்தியம்..உதுங்கள் ஐயா

[@allinall2239]

Neenga sonna andha 2u methodume Ella banklaiu iruka sir...plss solung sir..ynna nagalu 40lks loan eduthurkuu😟

[@vairamuthu8426]

@Trade Achievers, Can you please explain about the Floating rate of interest and fixed rate of interest? and also which one is the best loan for taking car and home.

[@saashamr3470]

Sir first of all tnq fr clarification.. then one doubt.. yearly extra one emi ku badhila almost 5 to 10 emi extra pay pandradhu use aaguma?

[@mothilalnehru769]

Edhe maari.. education loan epdi seekram mudikardhu nu oru video podunga pls...

[@9448674745]

Sir..will bank will accept to pay extra EMI every years?..pls let me know 👍🏻

[@Dorkie866]

Check with your bank. All public sector Banks will accept pre closure without any changes

[@MaNi_Ram]

We can do as part payment.

[@9448674745]

@@MaNi_Ram Thanks for your reply 👍🏻👍🏻👍🏻👍🏻

[@vinuuv]

Rbi rules. They have to accept.

[@Arunkumar-gi8yy]

Hi Kishore bro thanks for sharing and educating ppl, I have a question.... why you didn't mention the part payment method? Is it not effective?

[@Bomb.pakiri]

Anna enga family la oru problem irukku,5 lakhs loan ketta kuda nambi tharamatranga ennoda salary 30k per month,loan vangurathukku helpful ah video podunga anna

[@ASTROTAMIL]

Bank la intha method ku allow pannuvankala sir ?

[@manikandan-dt5fk]

Sir one request , 'Systematic withdraw plan' pathi video podunga sir please......

[@vijayshankar4429]

Can we pay extra on EMI amount on monthly basis, If we pay extra amount will it reduce in principal or interest?

[@subadra_ravichandran]

Principal only. If you can do that every month, u can reduce your tenure and pay a bigger emi every month.

[@jayakavi4514]

Best best Advice Kishore Bro Keep Rocking Buddy 😎 ✨️ 👌

[@Rohithcivilvsr39]

நான் வீடு கட்ட லோன் apply செய்தேன் லோன் sanctions ஆனது ஆனால் நான் mod செய்யவில்லை லோன் வேண்டாம் cancel செய்யுமாறு கேட்டுக்கொண்டேன் எழுதியும் கொடுத்து விட்டேன் original document தந்த பாடில்லை 1 மாதம் ஆகிவிட்டது இப்போது நான் என்ன செய்வது தயவு செய்து சொல்லுங்கள்

[@manikandan5791]

Register complaint to RBI

[@lakshnaramesh9733]

Hello sir, Greatt content, we hv enjoyed the video a lottt.... ❣️ Actually my father holds an empty land of 906 sqft bought it in 1990 for 1 Lakh, now it is worth around 10,000/sqft, so around 91 Lakhs, my father decided to sell the land as we r not using it often, we are planning to invest that in blue chip Nifty 50 companies from Jan, 2023. Please say abt ur opinion abt our decision, is it ok to invest that money now in blue chip companies? Kindly reply, Thank you sooo much... 💫

[@mukeshv9466]

Learn before investing don't go blindly

[@sivasivakumar6595]

Sir bank not accepted extra emi. What can i do sir..?

[@anandvijay319]

S bro u r correct

[@shyamalaroselin8712]

Thanks sir.naa department shop vachu eruken.naagalaum 44 lakh ku. home vaagitom.enaku usefula eruthuchu.oru idea ellama eruthuchu.iam clear now.iam studied 10 std only.enaku romba cleara purichuthu sir.thank you so much sir.

[@veluchamy4815]

Bro, Bank will accept only minimum 3 EMI for part payment - Fyi

[@sagulhameed586]

Sir , I asked to HDFC bank for paying additional EMI option to reduce my interest. But they said there is no option for that. Pl advice me

[@mcuncontrol6935]

Sir we got 18 lakh our emi 18320 for 15 years we paid 4 month only ,but now we started to pay 10% increased per month.please say for that tenure

[@kannanbalu6482]

Sir monthly emi debit pannathukku aperm.. Extra 2000 kettuna benefit irukka. Monthly 2000.. Yearly 24000 kettalama..

[@kalaidinesh4509]

Sir I have 1430000 loan AMT Interest=8.65 Tenure=150 Could you plz calculate and say me sir. How to save the amount

[@babgally12]

Thank you!. Could you please advise on the part payment / Prepayment. Whatever you are saying, will the bank accept for these options?. Why I'm asking you this is, when we went asked for doing a part payment, and asked to reduce the tenure, but HDFC Home loan said, it is not possible until my interest rate goes down to the rate, when i bought the home.

[@jaisinger]

Yes

[@AjithKumar-og4gs]

Sir.. I have taken 50L for 15 years... Im planning to pay 3L (excluding emi) every year to reduce my loan capital.... Is that a good idea?

[@funfacts_2022]

Should I repay my mortgage loan (ROI 10.6%) or invest in any index funds with my corpus money of 8 lakhs? I am 28 years old and have a home loan of about 7 lakhs to be repaid. Which one will benefit me more, kindly help us to understand

[@senuvaasan6483]

கடன் வாங்காம எப்படி வீடு கட்டலாம்னு சொல்லுங்க சார் 🙄

[@naveen2cool]

Sethu vechu dan sir katanum. But nama sekradukula land and material price eridum. So loan ae vangidunga

[@Potter4545]

Chit fund poduga oru 2 lak or 5 lak ku poduga, gold ah vechu konjam money ready panuga oru 3 years waste selavu like outside food, tour engaum pogama iruga kadam oru alavuku ilama katalam

[@sundarapandian5584]

இந்த Excel sheet எப்படி உருவாக்குவது.please

[@MrWillington72]

Hi bro.. Personal loan closing edhu mathiri edhum eruka... 1 month additional EMI pay option...

[@airdrop_prasath]

Sir.. am 20 year-old boy.. enaku 10 lakhs debt irruku months salary 15000 tha . So apti atha close pannurathu.. aprom.. extra money save panna.. give one plan for my life.. please sir.

[@lalithabi2591]

Sir i buy a loan Amount of 1060000 on 11 years for 132 months at 9.00percent i paid 17 lakhs how I reduced it

[@RaviRavi12684]

Hi Sir,Can you please help me decide about this? I have taken a home loan at a 12.50% rate of interest for 15 lakhs over 15 years. The outstanding amount is 12 lakhs. As the interest rate is so high, should I change to another bank or take a jewel loan to close the loan? Which option is best to save?

[@ffgaming-fe3cx]

Is there any formula or calculation while preparing some amount and how much money I saved by prepaying just 20%

[@gopiremo5835]

hai KSKK good to hear the video's. great doing . i taken housing loan on 2020 Rs 25.50 with emi of 20000 . from jan' 23 i have Rs 20k extra for 3 years, it is better to increase emi amount , or need to go sip 20k for 3 years. kindly give your vauable inputs thank u.

[@Villager_Vicky007]

Sorry,,,,Most of the Private banks Not accepting this Concept 😢

[@Inimigodogogn]

Hi sir, I know I’m asking for more information from you, I’m the only son and mom is a pension holder! I have a plan of going for loan Say for ex 15 lakh for 10 years and rest I will pay using our family savings ! And I have a existing vehicle loan ! How can I make use of it in tax redemption! And I hope tou can shower some insight please

[@prasanth2542]

@Trade Achievers - I am tried to pay for the 1 month extra EMI. But bank side they told that u need to pay atleast 5 Times of your EMI amount as a prepayment. so that we will take it nu they are telling it. What can i do in this case?

[@Pandian_Suban]

Naama 1 year ku EMI reschdule and increase panrathuku munnadi reserve bank increase panniduthu..!! What to do?

[@adolfscalculation6448]

Hello sir Please check your excel sheet formula in the cell H16. I think there is an error, if not please explain how it is possible? hope you'll understand after seeing the cell H16 or comparing H16 & H27

[@adolfscalculation6448]

Hello admin Can you please check and let me know the cell formula?

[@SantoshKumar-hp5pe]

Should I pay it in December only or any month of the year. Will banks accept the payment of 1 EMI extra or do they have a clause.

[@vrwarriors4732]

sir Upper Middle class kana EMI sollitu irukkeenga...lower middle class ku epdi Money management solli kudunga sir

[@kaviguru5236]

சார் நீங்க சொல்லும் இந்த வழிமுறை வீட்டு பத்திரத்த வச்சி அடமான கடன் வாங்கிய தனியார் நிதி நிறுவனத்தில் சாத்தியமா ? ( சோழ மண்டலம் பைனான்ஸ் )

[@leslinnnn]

Im planning to make 2 emi together every month that is 24 Emi on total per year , i took loan for 55 laks for 30 years , How to calculate in how much tenure will reduce

[@premasiva6676]

Nenga always 25 yrs housing loan emi pandringa.. 10 yrs loan edukalama atha pAthi vdo podunga plz.. plz consider my comment.. nenga ethula calculate panringa nangalum calculate panlama..

[@jeromeleslyvincent4571]

Hi sir, Thanks for your video. Here I have one doubt whatever we are paying as an extra money like extra emi pay or percentage increase all these will be reduced in principal amount?

[@karthik.kingmaker]

Really helpful Kishore bro. I have one doubt instead of paying 1 month EMI extra a year can we pay 1-3lakh per year will the interest rate and tenure will adjust. what will happen if we do that can you explain little bit.

[@TRADEACHIEVERS]

Yes the tenure reduces depending on the loan amount.

[@gowthamspecials8349]

Sir ,kindly tell this excel formula or plz share this excel sheet sir its very useful, I didn't create this excel

[@SampathKumar-xx1dk]

Sir, the 2 methods what u said in this video is very very useful. Ninga sonna 2 methods together use panina... evlo reduce agumnu solunga .... sorry Nan mathsla week.. calculate pani solunga pls

[@MadrasFunFactory]

Hello Sir. Excel calculation is not working properly got below : loan amount : 20 lacs, rate of interest : 8.5, tenure :5 Yrs. Emi 41033. So if i add an extra emi 41033 at 13 months of the year... Then Excel shows the wrong calculation . sorry if I caused confusion

[@manokarankr6702]

After 10years I am paying 1 Emi it will go for principal or interest. Pla advice.

[@abhilashvallabhan3171]

Hi, Can you guide me on where to go and invest in Stepup SIP??

[@user-rb1ui7os3v]

bro, pls do not misguide people. it is not true that the bank will take only interest at the beginning. it looks big at the beginning because the loan amount will be huge at the beginning also due to nominal EMI. So it is a myth and misunderstanding that the bank will take lot of interest at the start. Do the math yourself to know the answer. 40,00,000 (total loan) * 8.5 (interest) / 100 /12 ( months) = 28,333k. the same calculation is applied every month. So if you want to reduce the overall interest then increase the EMI amount and make frequent part payment, as simple as that.

[@dhivakaranm9676]

Can you prove it ? Banks first deduct interest amount and then only the loan amount.

[@rubannaveen]

Is it a good decision to go for 15 years loan or should I go for 25 years loan and close it earlier?

[@simburaj2611]

Every month EMI extra pay pannuna tenture kammi agums sir for example 17,000 emi ku 25,000 kattinal profit irukuma tenture kammi aguma?

[@sri12in]

Friends, I have a question I recently bought a product worth 2 Lakhs using Credit Card and chose the EMI option of 2 years @ 15% ROI. Although I have or can pay 2 lakhs. Instead I will invest the 2 lakhs in stocks and pay ~ 10K for 24 months ? Any suggestions please ?

[@kodiswaran100]

If the returns are greater than 15% p.a you can proceed with emi else take a call

[@manithan99]

Sir idhae maari epdi calculate panradhunu sollunga pls🙏🏼......😢

[@welcomecraft1]

Sir nenga solra kanaku 14+25 =39 lakhs saving nu solrenga. Apo 95-39=56 lakhs total. That is 40 lakh loan ku 16 lakh interest aa?????

[@mahalakshmi7732]

Sir yippa yintha rendu method yiruka sir. Hdfc bank la yilla soldranga 13 emi yilla soldranga.

[@naveenMNR]

can we do both options at the same time? Like doing 1 Extra EMI as well as annual increment %

[@9448674745]

Got it and it's really great information..ty ❤️. 👍🏻👍🏻👍🏻❤️❤️

[@ramyaj1917]

Now i will paid my house loan 8 years Ennum 7 years errukku loan Ningal eppo sonna method ethukapuram use pannalamma

[@neelagandanselvam4949]

Sir private finance 29perchent interestet charge how can reduce my EMI year

[@vasanthviper28]

Can we use this concept for personal loan sir ?

[@ThePrakaashb]

This is huge dear Mr.Kishore.. great eye-opening info for many people i believe. Just a query, what if I can pay 2 or 3 extra EMI's per year given I have potential to pay those..is that even possible Sir? Will banks allow that? Thanks. Prakash from Chennai.

[@janarthananpremanathan]

Sir one doubt for example: my loan disbursed only 6 months means shall i pay the partial payment?

[@vadivelanellappan42]

Andhra bank.. not taking extra month emi.... I paid 1 month emi extra. Bank not accept next emi.

[@sureshtamil9226]

But namma government last 6monthsla 2% kitta loan interest rate increase pannitngale namma salary Vida interest rate than hike aguthu

[@simplykiran89]

How to pay that extra EMI?? Please tell.. I have loan I'm hdfc

[@sheelaiyer9202]

You have to pay the money you borrowed regardless . He is making money by wasting your time

[@kannukutty9201]

Sir enoda husbend salary 15000 so engaluku 500000 loan thevapaduthu apply pana kedaikuma sir

[@imagemacker]

Anna new costume soooper na, very nice, and tanq so much for the wonderful video, it gave me a confident at dis my situation😍😍😍

[@TRADEACHIEVERS]

Thanks and Best wishes

[@imagemacker]

@@TRADEACHIEVERS thank u soooo much for ur Blessings anna. I m Blessed....😍😍😍

[@ganeshkumarradhakrishnan1912]

What is the procedures to buy a mortgage property. Can you pls advice

[@lakshmivijay9788]

Epadi poi bank la intha option a kekurathu sir ...this one applicable in present day..pls any body reply

[@munipsje560]

Do bank allows to pay lumpsum amount in my capital ? At evry end of the year ?

[@adhulkumar1282]

Sir i Am holding TATA CHEMICALS Hold Pannalama Illa Sell Pannidalama Sir ?

[@aruna9379]

Bank இடம் சொல்லிவிட்டுதான் Extra EMI கட்ட வேண்டுமா அல்லது நாமே நேரடியாக Amount Account Transfer பண்ணலாமா சொல்லுங்க சார்....

[@reshmisharon5475]

Hi Trade Achievers, what if we pay say 5k or 10k extra every MONTH instead of doing it yearly

[@spn3196]

Hi sir, pay extra EMI or principal amt which one better?

[@praveenbanu9266]

I take 28 l home loan for 10 year already finished 2year give me plan to low interest rate

[@senuvaasan6483]

அதானி லோன் கட்டலைன்னா விட்டுவிடுவாங்க.

[@saravananr6449]

Entha session kum unga comment um ena sambadam

[@shaiksms3799]

Is it possible in all banks,I got loan from hero housing finance limited,high interest,is there extra emi option available

[@vigneshwaran2713]

Hi bro I need an appointment with you to discuss my EMI

[@rajarajant6075]

Does the bank allow us to pay 1 extra emi and increase our emi rate??

[@shilpsk81]

Most banks don’t allow only one extra emi. They say in case of prepayment u hv to pay a minimum of 4 emis which is not practically feasible

[@mjsmusic9895]

I have land now we are in rented house 8000 pm We have plan to construct a house what is ur advise

[@chitharasekar-pv4jp]

15 lakes loan interest how much sir. 10yers

[@ValinokkamPoliceStation]

sir,every month 1000 extra pay pannalama for personal loan or year endla one emi ah than katta mudiyuma???

[@sundarapandian5584]

Additional payments( extra EMI)can be made at any time

[@jayabalan4825]

IF I HAVE EXTRA MONEY I ABLE PREPAY MY PRICIPAL AMOUNT PER MONTH POSSIBLE

[@vino5580]

Can I pay 13th EMI at year end for Car Loan also?

[@TP182]

Can we pay every year a large amount like 1lac or so instead of doing just 1 extra EMI per year.

[@azhagumeena4260]

Sir 10 lakh loan sir 14%intrest sir epo 6 year loan kattiten ennum 8 lak amount kattanum solrangaa 6 year apram kooda 1 lakh katti tenure kammi panna mudiyuma sir please sir private Bank accept pannuvangala entha amount

[@RajasekarRajasekar-k5o]

bro emi edutu veedu vangita 1st yearly irunda oru 3k to 5k amount sathu katta mudiyuma solunga

[@nithyaarumugam5550]

Great video bro.. I took home loan for 15 years and used the same strategy and going to complete in next 2 years. Can you please clarify if possible pls, as I have only 2 years tenure to complete my home loan. Is it now advisable for me to make part payments or full payment to complete the loan in next 6 months. Looking forward your reply.

[@aishuvishu3008]

how many years you paid totally?