Complete 20 Years Home Loan in Just 5 Year !! नया तरीका !! 

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Sir me kisiko comments nahi karta .... lekin aapko kr rha kyuki Aapne bahot man lagake sikhaya ....❤

Hi Instead of SIP, we can also pay the same amount for loan repayment each month. In this way we don't have to wait for 12 months. Also in SIP(MF) its very hard to generate even 8% return in one year. If we do RD, then we are getting ~7%, where loan interest rate is ~9%. It would be a loss. Please correct me if I am wrong.

Bhai 20 saal ke liye aap kisi city mein rent par 2bhk mein rahoge and rent aapka lagbhag 12-15000k per month hai then aapko rent bhi to 20 saal mein 28-30 lakh dena hoga... 2nd thing is aapko 3-5 lakh aapko intrest+principal mein rebate milega

Aj se apka pakka dost ban gya brother...ap bohot achhe hai

बहुत सुंदर और आकर्षक आइडिया है, लेकिन sip विड्रॉल के बारे में और जानकारी देने का कष्ट कीजिएगा। यह किस बैंक से करवाने में ठीक रहेगी।

Investment and debt are two different component. Should not mix them. Sip is good, but market dependent... Focus should be on debt first.

मेने भी अभी इस महीने लिया है मुजे अभी से क्या करना चाहिए जिससे जल्दी खत्म कर सकू लोन को होम लोन अभी प्रथम किश्त भी नही आई है।

Why not prepay small amounts every month in HL instead of waiting for a year??

mutual fund se kamane se behtar hai ham loan ka EMI amount zyada karden aur tenure 20 se Kam karke 10saal kar saken to sirf 9176 repee zyada emi Dene se 10 saal me loan finish hoga 1300000 intrest hoga total 3800000, please calculate it

SIP KOUNSA BEST HE JISNE RISK ZERO HO PLEASE SUGGEST KARE

Very nice and knowledgeable advice.. Please suggest mewhich is better. SIP OF Mutual fund for 20 years. Or Pay the mature sip fund every year to home loan account.

So 5 years ka to bataya nahi how much more pre payment you have to do ? Like kitne ka sip karna padega to finish in 5 years

Just wanted to know the option of investing in a mutual fund, in your three categories, we have to pay the bank every year.

Hi Sir In my case interest rate is very high earlier it was 8.3% now it is 11.55% but im getting benefit of tax against loan. But repayment is the best option.

Hello sir, Please Can you explain ? 1st:- 20 years loan= 240 month. Then i repayment 1 additional EMI/year that is 20 EMI repayment in 20 years then, 240 EMI - 20 EMI = 220 EMI so HOW it is 199 balance EMI?? And same as 2 additional EMI/ year. 240 EMI - 40 EMI = 200 EMI so how its 170 balance EMI.

😮😮😮😮😮 repayment भी वही कर सकता है जिसके पास पैसे बचते है नही तो लोग साल भर में भी एक क़िस्त extra जमा नही कर पाते है

ਐਸ ਆਈ ਪੀ ਭਰਨੀ ਕਿਥੇ ਜੀ ਬੈਂਕ ਵਿਚ ਜਾਂ ਡਾਕਘਰਾਂ ਵਿਚ ਜੀ

Agar har saal 1 se 2 lakh agar bacha sakte to kya emi amont nahi badha sakte kya...usme v to amount Kam bharna padega

If we put small small amount in home loan with emi affect it will reduce emi with which we can save more and do prepayment again. Then again go for prepayment with emi affect. Doing this I finished my 36 lakh home loan in 5 years. Do not do SIP and wait for an year.

Emi ज्यादा भरने के लिए बैंक तैयार होती है क्या ? उनके भी कोई Rules Regulation होंगे

Sir 21 L ke Home par lum sum 21 k emi Banta Yadi me 10000 pm extra emi/amount paid Karu to benefit hoga ya 10000 ka SIP karne se Please reply

20850 ki kist ke sath 20850 aur jama karne per kya lakh hoga

This is not a good idea to invest in SIP.. Instead you have to pay the SIP amount as monthly prepayment..due to which you will be again getting more gain..i.e. Simply you getting the interest on SIP 6-7% but if you prepay monthly then you save 9% interest on that amount which is considered as payment in principal amount.. So this will get you in early closing of your loan.

Very simple and good way of communicating information. Excellent, best video among I have seen many videos, very well understood, thanks🎉

My EMI was 17000 per month, I have increased my EMI to 20000, is it better option or pay 3000x12=36000 at the end ?

Repayment Kaiser Kare is ke lite bank se bat karna Padega scheme k lye

SIP se 290000 interest mila uska tax kon bharega??? Tax kita bharna padega maturity par?

Sir, Mind blowing. You are the great.

Bhai ye Rs.3700 EMI me se invest karna hai ki Alag se invest karna hai,matlab Aap bank ko 22500 donge aur 3700 ki Alag se SIP karoge right..?

Foreclosure of home-loans(as per video title) is possible. I did for both of my home loans, bcz: 1. Loan Amount was small 2. Focused on spending only on needs, strictly no-no for wishes 3. Each year make sure that I pre-pay atleast 1 lakh (max cap 6-7lakh) 4. On pre-pay I reduced the tenure but no change in EMI 5. Opted loan from banks which do not have pre-pay penalty or any such type of charges 6. No investments in any other avenuses during the tenure. Except 80-C and other tax havens 7. Bought resale properties only as those were good deals during 2006 - 2014 8. Kept eye on Interest rates, BPLR, MCLR whatever those ratios are I use to encourage people to opt for property but post COVID I stopped that and now I discourage people from buying properties. Rates are not realistic and neither you will get returns on renting or resale. Loans, taxes and govt. regulations are painful. EMI free life is good!!

Income tax me rebate milta h tab bhi close kar sakte h

Amazing guidance and explanation is really amazing

Sir aapka 16% percent to jo mera emi hai wo plus 16%aur matlab mera emi hai 16500+3700ka sip .ya ne 21200 itan

My loan is 40 lacs. My question is should I prepayment 25 lacs at once, or should I invest in other sector

Very nice and useful information. Dhanyawad sir.

11:51 Sir🙏kya loan ke 2nd ya 3rd year se 100000 ka prepayment kar sakte h? Aur yadi ha to fayda milega?

Sir, nowadays banks are asking for minimum 2 EMI while doing prepayment..single EMI will not do.

Sir har months 7700 ki sip krni hai ya shaal bhai me ek baar 7700 ka amount krna hai plz bataye...

Sir ji Good afternoon..Kya hum mortgage loan me yah formula same use kar sakte hai ..

Wonderful and knowledgeable things,

Very nice explanation with any technical jargon Thank you

I've taken HLfew months back @8.95% floating. When should I start exploring for cheaper BT??

Please suggest sip for 1st option that is 7700 per month and if we do sip investment for this amount so we should pay additional emi or not? Per year

Har mahine agar repament karde sip na kare to principle bhi kam hoga aur intrest bhi. Kya yah thik nhi rahega sir

Sir sip ko 10 sal k liye krke 1 years me interest nikal skte hai kya

Sir but Jo additional sip aapne boli wo to additional incestemeny hai jiska interest to milega hi.fir zero interst pe homeloan kaise khatam hoga?

Kya repayment ka options bank deti h? Ya khud se us account me mujhe paise dalna h

Short term capital gain is another loss with this idea. Always better to repay loan directly instead of going for the mutual funds

Yadi sip ka payment beech me band kerna pade toh kya hoga please reply

Sir Sip mein after 20 yrs mein jo payment growth hogi woh white money rahegi

Bhai mera home loan chalu hai 20L ka 9.2% interest se, but mai pehle hi saal thoda thoda karke 4.5L repayment kar diya jisse mujhe interset me bahot badha fark dikha, mujhe ye janna hai ki mai 20 saale se pehle hi loan khatam kar du to kuch issue hoga kya? Bank koi objection le sakte hai kya? Please suggest mai suna ki 2% of loan amount settlement karne bolte hai, kya ye sach hai.

Very nice information thanks sir

Haan but yeh additional EMI,pay,kaise krni hoti hai because every month bank khud kaat leta hai paise bank se toh hum additional kajse pay kre please sir reply me

EMI Direct Bank account se deduct ho jati hai extra kaise paid kare

Bhai EMI bhi denge our sip bhi bharenge to balence bachega kaise jayadaa hi paise hote to loan lete hi nh.. Sip se achha to apna tenour kam kardo

Sir , please share with me the calculation of prepayment on home loan. Suppose, my loan is 2400000/- at 9.05% of ROI, and I want to pay 400000/- each month and want to close within 6 months. How much total amount I will pay after 6 months to close the loan amount of 2400000/-.

Sir PNB housing finanse interest 11.45 le raha hai

Sip konsa le sir

Sir best sip for 5 year kon sa fund hoga

Mai har mahina pachhis hajar extra home loan pay karata hoo. Kya mai sahi kar raha hoo?

Pl suggest sip options for same

M sushil Singh from up apse baat karne hai how tell you

Sir meri 10.5000ja lone hai 20 year ke lae aur maine 11k ki sip bhi le rakhi hai to mujhe kya karna chaye

Bahot accha samzaya Sirji..Thank you so much..

Ok sir but humne pay Kiya extra amt bank kaise pta chalega itna Kam emi duration bacha hai ya itna interest humne bacha liya. Kaise jaker show karegA

Can you suggest which type of sip we should do in this case

Sar aap ye batao lon baki hai mam lo 10 lac or me ritard ho Raha hu muje ek achha amount milega kiya us lon amount 10 lac ko ek sath diposit Karna chahiye

Sir, mera 25 lakh ka loan hai 16.5 years ka.. Mera EMI hai 21,900.Maine do saal nikal diye hai. Main kum se kum 4 EMI extra bhar sakta huun har saal...lekin bank wale koi calculation batate nahin hai...aap bataiye mera kitne saal main loan pay ho jayega?

Sir main 1bohat hi garib lady ho mere pati ki salary 17000 hai aur muze 2000000 ka room Lena hai .mere pass 3 lakh hai .abhi main room rent se rahti hu.aur mer kamai 10000 hai to main kaya kar sakti hu

Sir my loan is total 20.69 lakh an monthly EMI was 22064 an it's direct 25001 last 6 month tenure of 20 years please give me the proper solution.

20,000 ka sip karne pr kitna benefit milega aap muje batayiye sir pls

Sir ,last vale option ko compare kar k please ye bhi bataiye jo loan mai 10sal tak khatam kar dunga us k baad jo amount mera emi ka bachega usko agar baki 10saal k liye laga diya mutual funds me to kitna amount milega ...

I have to pay EMI Rs.22500 for 20 years and Rs.3700 i.e. 16% of 22500 for large cap investments to get interest free at last. This meant that I have to deposit/pay a total of Rs.(22500+3700)=26200 every month to get interest fee home loan. Please explain me to clear the matter.

Sir hum sip 1 saal me widraw kar sakte hai kya

Ye Formula PL me bhi apply hota hai kya

जितने समयावधि के लिए होम लोन है उतनी समयावधि तक सिप करने पर क्या स्टेटस होगा मसलन 70,000/ की ईएमआई है 10 साल के लिए तो क्या 16% फॉर्मूला भी ऐसे ही आउटपुट देगा, please reply

Par sir 28Lac milenge pre-tax Post-tax return to kam hoga na 28Lac pe LTCG flat 10% with no indexation benefit lagega Means 2.8Lac to tax hai Last me bass 25,20,000 milege index funds me Aur Debt/Liquid funds me Sidha Income Tax slab lagega ( 5-30% ) no indexation both STCG/LTCG !

Guru ji home loan to bank se cut hota hai. To sip ka return ad karenge Ye kiya auto matic bank may ad hota hai

Bilkul yeh video ignore karo, apna paise apne paas Rakho loan clear karke aap bank ka fayda hai hamara nahi. Covid mein cash chaiye flat nahi.. liquidity is king 🤴

Good video..❤ Instead of doing SIPS for 20 years, it's better with your first option, intrest also saved, part of accumulated amount can be carry forward minimum 10% amount in funds.. natural Growth..I don't believe in long term SIPS.. Politicsl uncertainties...

Mera home loan to iifl home loan 14.35% se 7 saal ho gaye he. Abhi bhi bhar rahi hu 😢😢

Yrly agar 3 to 5 emi etra kare to kitne yrs me loan complete ho jayega loan time 20 ,15 yrs ka hai.

SIP के बारे में विस्तार से जानकारी दीजिए , लोन का इंट्रस तो बैंक में जमा किया जाता है , पर ये इन सब में sip कहां से बीच में आ जाता है , ye sip होता क्या है कहां पाया जाता है और ये होता क्यों है , इसके क्या क्या उपयोग और फायदें है , यदी ये एक अलग से लियाजाने वाला म्यूचुअल फंड है तो ये हमारे होम लोन से कैसे कनेक्टेड होता है , इस बारे मे डीटेल से बताएं , धन्यवाद।

Which is better to taken home loan from Lic home loan or SBI/other nationalized bank....

Mera 25 lakhs ka loan 16.5 years 2 years completed EMI 21,900 If I pay 4 EMI extra then in how much time I would be able to pay my loan?

Eysa hota hain keya ? Toh sare bank bandh nehi ho jayenge ?

Har saal sip withdrawal hoga to sip Mai. Kaise milega?

Ye saal me 1 or 2 extra EMI bharna kaise hota hain? Please explain.

kya bank wale additional emi lete hai. yadi na le to.

Bhai lekin , SIP pe tax bhi bharna padega

Sir Maine 25 lakh loan Liya hai 10 year ke liye EMI 34000 per month hai agar mai 3 EMI per year extra deposit karta hu tab kithe time me loan khayam hoga please guide me

EMI + SIP fir aap kya khayenge SIP me bhi aapko 20 year me milega, to kaise 5 year me EMI paid karoge

Yadi bank repayment accept nahi kare to fir kya hoga yafir kya kare our kya sabhi puc bank me repayment system hota hai

Sir mera ek personal loan chal raha he kese usko khatam koru plesae thoda boliye

Thanks sir 👍 bahut easy way mai samzaya aapne

If you can do SIP then better to increase EMI. You are assuming 9% interest on loan and 8% on SIP. It will obviously save more. Also you can avoid tax on short term gain. If you increase EMI per year after your appraisal, you will save more than what you save with this approach due to compounding effect .

Bhai sip m last m 8 lakh ka 25lakh bna But 8 lack to apne pocket se gya na Lone amount+ 8lakh jise sip ki Kaise ye intrest free hua Sahi logo ko bnate ho Good

Sir. I have taken 6 lakhs loan and 30 emi is complete. I am planning to close my loan within one year, wht should I do.I mean what amount I should pay as prepayment every month. Thanks

Sir, maine 15 lakh loan 9.5 percent interest per 23 sal tak loan liya hai. Maine har mahine 13195 rs emi de raha hoon aur har mahine 10000 rs principal amount repayment kar Raha hoon. Ab aap yeh batha deejiye mera loan kitne saal me khatam ho jayega?