ഹോം ലോൺ വേഗത്തിൽ ക്ലോസ് ചെയ്യാൻ 3 വഴികൾ | Home Loan Malayalam Video

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Housing loan is an indispensible part of most of our lives. How does one free oneself of it ?
This week's video illustrates three ways of clearing your housing loan payments. 3 Methods to pay off Home loan faster :
#1 - Every month, pay extra 10% of EMI along with Normal EMI
#2 - Every year, payextra 1 EMI along with Normal EMI
#3 - EMI + SIP ( Equity )
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Опубликовано:

15 апр 2019

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Комментарии : 1,2 тыс.

@VinodKongad 4 года назад

Thank you so much for this video. Going to start option 1 & 2 ASAP and if possible option 3 as well.

@MoneyTalksWithNikhil 4 года назад

Thanks for the comment. Yes, it's possible

@iambilalhad2806 3 года назад

Najnunm theerchayayum ingane thanne cheyyan pokunnu👍🏻

@westintrace4107 2 года назад

you prolly dont give a shit but does anybody know a way to log back into an Instagram account?? I was stupid lost my account password. I love any assistance you can offer me

@thaddeushezekiah3167 2 года назад

@Westin Trace instablaster :)

@swapnavm7366 5 месяцев назад

@@MoneyTalksWithNikhil sir njn ipo oru european country il anu work cheyyune..enik vegam loan close cheyyan agraham und..bank il chodichapo ella month um kooduthal adakkan ulla option illana avar parayunath.

@Jay-zh2cp 3 года назад

I am completely new to this.Just asking one doubt to you.Is it allowed by banks to close the loan amount before the agreed time of loan duration?.Like if I have a loan duration of 20 years and I am closing it in 5 years,it's a huge lose of interest for the bank right? I thought the loan span cannot be altered.Hoping your clarification on this matter.Thanks in advance.

@vishnubalasankar 3 года назад

സർ ഇങ്ങനെ സാധാരണ കാർക്ക് മനസിൽ ആകുന്ന രീതിയിൽ പറയുന്നത് കൊണ്ട്...കാര്യങ്ങൾ വ്യക്തം ആണ്...നല്ല വീഡിയോ ഇനിയും വേണം..

@naveenv3665 4 года назад

Nice one sir. Can u explain Option 3 in excel sheet. It will be helpful for all to understand easily about SIP and also which are good SIP to invest.

@ajithkumar-cd3ke 4 года назад

Excellent presentation that imparts knowledge in a very simple way

@basithcv5680 4 года назад

orupaad nanni und sirr., chirich kondulla presentation kanumbol thanne samaadhanam❤️❤️❤️

@MoneyTalksWithNikhil 4 года назад

Thanks for the support and comment ❤️

@maheshharidas5452 4 года назад

സിമ്പിൾ ആയിട്ട് കാര്യം പ്രസന്റേഷൻ ചെയിതു.. കുറച്ചു സമയം കൊണ്ട് ഒരുപാട് കാര്യങ്ങൾ എല്ലാവർക്കും വെക്തമായി ആയി എന്ന് ഞാൻ വിശ്വസിക്കുന്നു

@arun96654 3 года назад

Ee aduthu anu thankalude video kanunnathu. Nalla avatharanam. Inim Kooduthal informative video pratheekshikkunnu. Ee video il upayogicha calculation koodi oru video il detail ayi explain cheyyamo? Thanks in Advance!

@nikhilraj9734 4 года назад

Very informative videos sir. Especially the way of presentation and conveying style... Could you please do a video on good SIP funds to invest for long term.. as a beginner, very much confusing to chose a right one for long term

@MoneyTalksWithNikhil 4 года назад

we were conducting workshop on Mutual Funds, saturdays, next week is for goal setting. you can call and take support

@mohdmansoor8660 5 лет назад

Good presentation

@oommencabraham7940 4 года назад

Brilliant method.... i have ever chosen...... thanks for this vdeo

@MoneyTalksWithNikhil 4 года назад

Thanks for the comment

@sujithradhakrishnan9673 4 года назад

Very useful Sir. Thank you so much.

@akhil1003 3 года назад

I have one doubt.. if we repay a lumpsum say 5 lakhs.. within first 5years of tenure how it will affect loan repayment...I heard intially emi split up mostly goes to interest..is it good repay loan or keep it as deposit or investment and pay emi amount as such.. advance thank you for your advice

@sanjeevsasidharan5929 3 года назад

Thanks for advise. It's good if we pay little extra amount to loan and duration will be become less.

@jomonarmy 5 лет назад

സർ സൂപ്പർ, വളരെ വിലയേറിയ മെസ്സേജ്, വളരെ നന്ദി

@MoneyTalksWithNikhil 5 лет назад

Thanks for your comment

@MoneyTalksWithNikhil 5 лет назад

@@MrMpsplus sure.

@augustinejosephezhumury3550 3 года назад

Excellent idea , quick and simple explanation . Thanks

@josemathew8327 4 года назад

Awsome video, thank you for the valuable and financially helpful information.

@deekshaprasadkuttan1271 5 лет назад

Very informative.& use full ideas sir..

@MoneyTalksWithNikhil 5 лет назад

Thanks for your comment

@minisuresh1969 4 года назад

Thanks for the options in which I think last one is best one - Meanwhile a query - in first 2 options, as we are only saving the last 50 odd EMIs, we have already paid the maximum interest no ? Will there be considerable principle amount savings in last EMIs ?

@MoneyTalksWithNikhil 4 года назад

Check your financial situation and choose anyone of the method.

@jentymichael 4 года назад

Good. The best thing is to combine first 2 scenarios . Chettan Alappuzha Karanano?

@noufalsadiq249 5 лет назад

Supper idias tq sir

@MoneyTalksWithNikhil 4 года назад

Thanks for the comment

@vishnuraj104 3 года назад

Sir, how to select a better SIP ?

@surajpachutty 3 года назад

Kindly go to your bank they will help...equity shares will be better...

@ousephouseph7839 3 года назад

Thanks for the tips. Really good ideas

@irshadshamsudeen394 4 года назад

Valare nalla message ane sir ... thank you

@ishalmehdiya6740 5 лет назад

No 3 kollam 👍👍👍

@sarika9031 5 лет назад

Loved it points il stick on cheythu pettenu paranju.. boradikan time kitiyila superb

@MoneyTalksWithNikhil 5 лет назад

Thanks for your comment

@anishanair3179 3 года назад

Hi Sir, Thanks for your video. I will be taking 50 lakh of home loan with a tenure of 30 years within 2 months... Which would be the better option for me to make my loan repayment faster... Can u suggest? If I go with option 1, consider emi is 33k and I will be paying extra 3300, then how many EMIs I can save? If I go with option 3, which would be the better SIP I should consider?

@prabhudevts6029 3 года назад

Really helpful informations.Thank you for made this Video.

@beenapaul3153 4 года назад

Very informative...thank you for your sincerity in sharing your knowledge.

@MoneyTalksWithNikhil 4 года назад

Thanks for the comment. Do you have any liabilities ?

@unnikrishnannair4119 3 года назад

Somewhat agree with your first two points, can you please quote at-least 2 or 3 SIP options, which have given 15% return annually for 10 yrs continuously.

@MoneyTalksWithNikhil 3 года назад

Unnikrishnan Nair there are few, you can’t guarantee.

@vineethpv463 5 лет назад

Crisp &clear... !!!subscribed😃

@iambilalhad2806 3 года назад

Valare useful aaya video...thaankal paranja ee same situation aanu njan ullath...sonsooonthanks.... SIP enthaanennu koodin onnu paranjal nannayirunnu..no idea about it

@360UTURN 5 лет назад

Simple presentation.. but effective ideas... You are really doing good Job...

@MoneyTalksWithNikhil 5 лет назад

Thanks for your comment

@nishadkk9561 4 года назад

Thanks for the vedio.. How can i close my 15l for 20 years Home loan easily..

@MoneyTalksWithNikhil 4 года назад

Good. Pay extra 10 % emi. Or start sip equity along

@minidsouza3473 4 года назад

Is it possible for any bank, Sip or 10 % extra ,this option is in all the bank's

@libuvar 3 года назад

Hi, if I want to to close a 20 year loan early say after 1 year do I need to pay the interest for the remaining years or I can settle it by paying the principal amount + some early settlement charges? Thanks. Abraham

@pratheeshkumarkm4557 4 года назад

Sir pls suggest a best sip in current situation

@bijuchacko9142 4 года назад

Never take home loans. It is a big trap. Keep away from it. You will loose all your happiness in life if you are unable to repay...

@MoneyTalksWithNikhil 4 года назад

Two type of debts are there good debts and bad debts. Before taking the loan you must have a repayment strategy.

@sajivarghese1662 4 года назад

I had a home loan it was a nightmare , the 2000 rs u told we can't deposit in the repayment . ACC to the worst HDFC Home loan we can put the amount only twice in a yr , if u put more than 2 times there's a penalty , so many hidden agenda in home loans don't know about SBI . But HDFC home loans even if they give all processing fees , other charges free never opt . The 1 st option will never work with at least HDFC

@sajivarghese1662 4 года назад

Thanks for the effort it was a good option both 2 and 3

@vbn5709 4 года назад

@@sajivarghese1662 @ shift your housing loan to any Govt. Banks.

@MoneyTalksWithNikhil 4 года назад

@@sajivarghese1662 Thanks for the comment. Choose the repayment method which is convenient to you.

@rajuthoppil3276 4 года назад

Iam paying approx 2000/ extra EMI pm for a loan home loan of Rs 10 lacs/20 yrs. Howmay EMIs can be saved by me.

@MoneyTalksWithNikhil 4 года назад

You can close the loan in 8 years. So that you have save the last 2 years EMI's.

@abi_atlast 3 года назад

Sir appo first thanne e extra adakkunna cash nammude principliliekk pokkummo

@abi_atlast 3 года назад

Athoo after 5 years kazhinjanno povukka

@sujir2554 3 года назад

@@abi_atlast it will add to principle

@nassaresmayil2257 3 года назад

Good information sir will surely try for this options 👍👍

@jobashishgeorge8518 4 года назад

Sir This vedio is very informative and useful. Thanks alot. Is this method useful for education loan also or is there any other method for closing it soon.?

@MoneyTalksWithNikhil 4 года назад

Thank you for the comment. Do you have any loans ?

@sumeshvasu7524 4 года назад

ലോണെടുക്കുന്നതിന് മുൻപേ ഇങ്ങനെ അറിവുകൾ ലഭിക്കേണ്ടതായിരുന്നു... എന്നാലും വൈകിയില്ല tnku sir

@MoneyTalksWithNikhil 4 года назад

Yes, ഇപ്പോൾ ആണെകിലും ഈ methods ഉപയോഗികയുന്നതാണ്.

@sumeshvasu7524 4 года назад

തീർച്ചയായും താങ്കളുടെ ഉപദേശം ആവശ്യമായ് വരും ... കോൺടാക്റ്റ് ചെയ്യാം സാർ

@MoneyTalksWithNikhil 4 года назад

@@sumeshvasu7524 Ok

@jolly8027 4 года назад

Thank you very much for your very informative video,..

@MoneyTalksWithNikhil 4 года назад

Joy Of Cooking cool

@gopakumarsm 5 лет назад

A school teaching Feel Really awesome👏✊👍

@raveendhranathkmraveendhra1985 4 года назад

Pl give videos about Best Sbi mutual funds

@JIJINDASKKVLOGS 4 года назад

എനിക്ക് ഒരു mutual fund start cheyyan thalparyam und , engane choose cheyyanam , evide contact cheythal viswasthamaya investment plan cheyyan pattum?

@lijophilip2082 4 года назад

For instance if I take 10lk housing loan for 10years. But if i pay more EMIs in accordance with my monthly income, has there any profitability? Is it possible, Please advice.

@SamiSami-vv5kk 5 лет назад

Hi sir, എനിക്ക് 7.5 ലക്ഷം രുപയുടെ housing loan ഉണ്ട് monthly emi ആയി 9000 ബാങ്കിൽ പേയ്മെന്റ് ചെയ്യുന്നു സർ പറഞ്ഞ ഓപ്ഷൻ 1 പ്രകാരമാണെങ്കിൽ 10000 ആയി അടച്ചാൽ മതിയോ? ഓപ്ഷൻ 3 പ്രകാരം SIP Best plan ഒന്നു വിശദീകരിക്കാമോ?

@MoneyTalksWithNikhil 5 лет назад

yes, extra payment nannayirukkum. Index Fund or good large / Mid cap fund will be good. your risk profile ariyatathukondu fund recommendation bhuthimudannu, specific fund please call - 9567337788

@sreenathgopalakrishnan9905 4 года назад

Am following your 1 and 2 options for the last 3 years. And thanks for sharing the same to others. It will help anyway. Only issue for the time being is the crisis impact of covid 19 where we facing.. Some companies are deducting salary for staffs. So these are getting affected in this 1 and 2 option😭😭

@akshayprakash3722 3 года назад

Thank you for sharing your knowledge Sir. I have a query. By paying 10 to 20 % extra evry month on my emi. Will I be saving on the total amount of interest I pay the bank. Eg. U mentioned we pay 2.5 times the actual principal by the end of loan closure. ..by paying extra 10-20 % Evry month will I be paying less than 2.5 times the principal amount. Thanks in advance.

@MoneyTalksWithNikhil 3 года назад

Akshay Prakash yes. That’s good

@sreejithsr775 4 года назад

sir oru doubt ee corona season il Sip pole ulla investments il pradeeskha undakumo after 20 years assured return undakumoo

@poojanayak4760 4 года назад

Hello sir. Very informative video. But i have a concern regarding the SIP. can u advise on how to select a gud fund in such volatile market.? Make a video on it if possible. Thanku

@MoneyTalksWithNikhil 4 года назад

Pooja Nayak please call up

@dipukd8138 3 года назад

How to calculate EMI reduction by paying extra amount with EMI... Any equation sir?

@anonymousarjun 3 года назад

Excellent! Thanks a lot for explaining it so simple and helping !

@MoneyTalksWithNikhil 3 года назад

Thank you

@geoputhussery 4 года назад

The principle is simple that how much you reduce the principal amount, that much you can save from the amount to be paid as interest. After taking the loan for 4-5 years, if I have a lump sum amount that can be repaid, what will be the best option whether to close the loan or to invest, as per the present economic situations?

@MoneyTalksWithNikhil 4 года назад

geo p no single answer. Depends on your other investments

@mohamedassimka6074 3 года назад

Thank you sir...i don't have myown home but soon ...feeling so happy and confident after hearing your advice sir...thank you.

@MoneyTalksWithNikhil 3 года назад

Mohamed Assim please inform once you own a home

@nsgkumar 4 года назад

Thank You very much for the suggestions.I have two home loans.Is it advisable to close them all together at first opportunity.?I am not a risk taker and so not very comfortable with SIPs.

@MoneyTalksWithNikhil 3 года назад

nsgkumar yes. You can close the loan fast by paying extra

@chendurr 3 года назад

We have to cosider benefits of Income tax exemptions so 3rd option is least attractive. Moreover SIP have its inherrent risks because of the market conditions. Another doubt is that in the case of 1 and 2 nd option is that most of the bank is having a system of charging equal interest whether you pay advance amt in your monthly emi, ie, they won't take into consideration of the amt u pay extra. This is to be addressed seperately if u decide to opt for it

@sarathnath4991 6 месяцев назад

Same doubt that i hv.

@SATISHKUMAR-li6uc 4 года назад

Appreciate the way you explain the ideas in a simple and understanding manner...great job.. thanks 👍😊🙏

@MoneyTalksWithNikhil 4 года назад

Thank you for your comment. Hope you will execute of these plans

@SATISHKUMAR-li6uc 4 года назад

@@MoneyTalksWithNikhil sure will😊

@Vijith2255 4 года назад

Simple and informative...subscribed..!!!

@MoneyTalksWithNikhil 4 года назад

Thanks for the support ❤️

@SHIJUSRARU 5 лет назад

Nalla avatharanam sir

@sreejithsr775 4 года назад

presentation ✌✌💪💪👍 subscribed...

@joshrealcare8033 3 года назад

Very good information, please suggest the more than 14% growth giving liquid funds for sip ..

@MoneyTalksWithNikhil 3 года назад

joshreal care liquid fund you can expect 5 to 7% p. a

@AKHIAKKU 5 лет назад

Great video sir..one small correction..'t' missing in 'Expertise' of 'Expertise in Personal Finance and Investment' 😊 Iam closely watching you..😋 Keep up your good work..Hope to meet you one day..😇

@MoneyTalksWithNikhil 5 лет назад

thanks Akhil. Will make the changes

@mathewvalavanal4919 4 года назад

Is there a chance of further less interest rate in housing loan

@anuroy3725 3 года назад

Sir. Thanks for the tips. Can you guide me to which method may suitable for me to close the loan. Am a nurse so I don't have much idea. Let me explain my scenario. 46 lakhs approved for me as NRI home loan on 2019 November for 20 years. 20 lakhs I took in 2019 then due to Corona construction was stopped . So from 2019 Nov to 2020 Nov we paid just interest of 14 K. Then from 2020 Dec They started to cut 42 k as interest and repayment to principle. Then from Jan 2021 we started home construction. Still didn't took full money from approved bank loan. So my doubt is 1, without taking full money why they are cutting full amount. 2 , Which tip can I use to repay fast. Waiting for your reply...

@CleatusKKuriakose 3 года назад

Could you please elaborate on the third option... How the SIP will helps on loan repayment, if am taking an amount of 30Lakhs at na interest 7% pa.?

@devarajps7036 2 года назад

Thanking for imparting valuable knowledge. In pre closer of loans how future interest could be waved. Interest is paid for advancing loan for future date. When loan is cleared before loan tenure future interest must be waved. Please clear this issue also.

@sasimadasseryneelakantan3702 4 года назад

Can you suggest few growing investment mutual fund for sip

@santhoshchandrasekhar7710 3 года назад

Sir,one doubt I am hving housing loan nd I paid an amount to principal and whether the EMI amount get reduce?

@MoneyTalksWithNikhil 3 года назад

santhosh chandrasekhar no. of emi get reduce

@sreejithmohan8777 3 года назад

Hdfc top 100 funds montly 2000Rs adakunund.. But ennikk athinde benefits onum detail aayi arijuda.. What is the advantage of sip or how long should I continue to pay if I need more benefits out of it... It will be really helpful if I know from your side.

@soniyaki7039 3 года назад

Super informtion aanu sir. Thanks for the information

@VishnurajvjVj 5 лет назад

Hi Sir.. Thanks for sharingg the valuable information..I am also availing a home loan of 25 L for a period of 20 years.. Please suggest me the best SIP plans where I can investment for a better return..

@MoneyTalksWithNikhil 5 лет назад

Not sure, what is your risk profile and how much you are ready to invest. in general case invest in Index fund. if your risk appetite is high you can choose Mid cap or large cap fund. No mention the AMC name here. if you need a specific fund please call - 9567337788

@panikulasnezreth3755 4 года назад

Well explained Sir, could you please explain that how to start an SIP???

@MoneyTalksWithNikhil 4 года назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-gSX21EXIQDE.html

@sajithchanganacherry2257 3 года назад

Thanks so much... Waiting for next video...

@prasanthmraj1110 4 года назад

Very very useful information sir. Thank you.

@mathew6397 4 года назад

One doubt: If the total loan taken is 55 at lakhs at 7% interest and tenure 15 years then the emi will be approximately 50 k. Next scenario is tenure 20 years. So emi will be around 42k. And if we pay 50k regularly we will pay 8k as advance. My doubt is any way i can pay 50k per month. So which case is more beneficial. 15 years straight away or setting 20 years with 50k standing instruction? In Which case loan will be finished soon and which case will pay less total payable?. Please reply

@arunpsukumaran4740 4 года назад

The first option is a little better,dont deposit with cash together as in two and three,Bz if there is cash together it wil be spent with something else.the first is the best, anyway thank u

@surjithsundar 3 года назад

Sir apo nammal EMI alland seperate loan accountilek fund transfer chaithal mathyo ??? In first senarion ahnekil ??

@subairepty5537 3 года назад

Sir which is better option You’re opinion 1 or ,2 or, 3

@baijuralr 2 года назад

Very informative videos sir. Especially the way of presentation and conveying style... Thanks sir..

@MoneyTalksWithNikhil 2 года назад

Thank you

@sreejasasi5792 4 года назад

Thnku sir...very infrmatve vdo...✌✌✌

@twentytwo1744 3 года назад

Mortgage loans engane pettann close cheyyan aavum ennathine kurich oru video idamo?

@frankantony3380 4 года назад

thank you sir

@sunildas26 2 года назад

Excellent sir .oru confident kuravu darnnu loan edukan , good information thanks.

@chitragopakumar5531 3 года назад

Sir, njan two wheeler loan eduthit ind 6k vachit 3year hdfcnnu. Ithil parayunna 1st & 2nd method athilum apply cheyyan pattuo?

@ratheeshk6528 3 года назад

Well explained sir , sip how can get

@dontstoptotrying1524 4 года назад

ith nhan chaithu varunna karyamanu.. Good presentation Sir👍

@MoneyTalksWithNikhil 4 года назад

Congratulations, thanks

@soorajs1953 4 года назад

Very informative sir, going to plan accordingly♥️

@MoneyTalksWithNikhil 4 года назад

Thanks for the comment. Do you have any loans?

@soorajs1953 4 года назад

@@MoneyTalksWithNikhil Ys sir..(3Nos) trying to climb back from those pythons🐍

@sharanyanair5929 4 года назад

Sir what about personal loans?

@vivekvijayan8381 4 года назад

ഞാൻ ആദ്യമായി കാണുവാ നന്ദി ഇൻഫർമേഷൻ.. എന്റെ സംശയം പ്രിൻസിപ്പൽ എമൗണ്ട് ഒരുമിച്ച് അതാകുമ്പോൾ ഇന്റെരെസ്റ്റ്‌ ബാങ്കുകൾ എങ്ങനെ calculate cheyunne.. bank interest calculation engane anann onnu paranju tharamo..

@IMSVGUY 3 года назад

Thank u so much sir.. was searching for such a helpful video

@manojap9511 4 года назад

EMI is fixed in the beginning, any excess amount paid is considered as Advance and will not reduce the Principal amount until the Advance and the loan balance equalise

@sreenathgopalakrishnan9905 4 года назад

No bro. I am doing the same for the last 3 years. And extra payments will be reflected in your principal amount.. And they will not cut off your EMI from account, else they will adjust in your outstanding principal amount only,till reaching that added extra payment.