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Did your bank sold you Insurance with Home Loan?

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Banks always suggest their Home loan customers to buy Life Insurance. How important is it and is it necessary to buy from the same bank who disburses your loan? Let's understand in this video.
This video is for educational and informational purposes only. Viewers should consult their Insurance Advisors/financial advisors/ Tax Consultants before making any investment decisions.
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Опубликовано:

28 авг 2024

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Комментарии : 371

@nishithjain4330 3 года назад

I am learning a lot of new pieces of information through your videos which are important to every person.

@pankajmathpal 3 года назад

Glad to hear that! Thanks for your motivating words. keep watching!

@bhartendutripathi8819 7 месяцев назад

@@pankajmathpalcan we connect I have query regard same which we need to discuss over call

@vijaypalsingh2544 2 года назад

बहुत ही टेक्निकल व सराहनीय

@fireadr 3 года назад

बहुत बढ़िया सर। Very very most important information।

@gopalsoni3701 Год назад

पॉलिसी के आपके जो आपके जो सुझाव में मुझे अच्छे लगे मैं एसबीआई से होम लोन ले रहा हूं आपके द्वारा बताया इंश्योरेंस प्लान रेगुलर वाला ही अप्लाई

@BeHappy-uy2xh 2 года назад

Hame aap ki jaankari bahot hi useful lagi..👍🏻👍🏻 thank you 🙏🙏

@souravkundu279 Год назад

Mera icici bank ka home loan chal rha hai.... Aur 3 insurance le chuka hu... Us time mujhe idea nhi tha.... Mera 3 insurance hai 1) icici prudential health insurance 2) icici lombard home insurance 3) dusra ek health insurance

@mannatzahid970 2 года назад

Sir Maine 2 year pehle home loan liya tha IIFL bank se unhone 60,000 ka insurance alag se liya kiya our paise bhi le liye per aaj tak bank ne insurance ke paper nahi diye

@shashikumarprajapati1600 3 года назад

यह बहुत अच्छी जानकारी है।

@kanhaiyasati924 Месяц назад

Nice explanation, i was Just searching fot that. Followed you

@prem2873 Год назад

Thank you! It's really very informative. I'm looking for good term insurance for my home loan. Can please guide me which one is the best & secure.

@dipakdusane2830 2 года назад

Very important and accurate information about life insurance against home loan...sir kindly tell me how to calculate surrender value of home loan insurance

@vanyavlog8513 Год назад

Sir aappki baat sahi.lekin jab kisi ko mujboori hoti h tabhi bo loan leta h,or jesa bank bale bolte h,bo karna padta h.mera 16 lakh ka loan hua or mere insurance ke 118000 rupye kaat liye.mene insurance ke liya bola ki m khud kra ke apko de dunga to bank balo ne saaf mna kar diya.

@Salvi711 Год назад

Big Thanks for this information...actually I take correct decision for home loan insurance after view your vedio

@dschandra2876 Год назад

Good message. I also suffering single premium

@ameenali1152 3 года назад

Sir all your videos are very informative🙏🙏

@Kidssplays Год назад

Thank you so much for the information. you just saved me a lot of money. :)

@CHAMANFILMSENTERTAINMENT Год назад

धन्यवाद सर जी इतनी अच्छी जानकारी के लिए

@wickya-live6743 3 года назад

Bahut hi शांदार sir, aapki sahyata cahhiye thodi मैंने, 20lac ka loan apply किया था iifl NBC se jiski emi 18200/- बताई थी, और kareeb 30k processing fees, ke कटने के बाद कहा की apko 19.7 lac hi मिलेगा, ab, laon section ke time kehte 20lac ke sath 1.02 lac ka home loan insurance भी जबरदस्ती chipka रहे हैं, यानी टोटल 21.02 ka loan बना दिया Aur meri emi karib 19k ki कर दी है, kya मैं इनके insurance ki जगह pure term plan ले सकता हूँ ya नही? Kuch batatiye

@chittasahu7009 2 года назад

Nice explanation sir. Just wanted to know, if we already have an existing term insurance, is it wise to buy home loan protection insurance for the home loan ? Kindly reply...!

@AnilKumar-sc9mw 3 года назад

I faced this situation couple of time where bank forced me to take insurence.. when I resisted they started giving me problem in loan approval.. how to fight with them? Can I go to consumer forum? What are the proofs I need to gather? How to proceed on them legally? It will be very helpful if you can guide us. Thank you 🙏

@bhaskarmishra8047 2 года назад

You can't as it's bank money

@piyushsingh9405 Год назад

Banking ombudsman

@RJ10911 6 месяцев назад

Same is happening with me right now

@ayushslifesharma2202 6 месяцев назад

Do RTI

@anilbist2114 Год назад

Very informative blog sir, thanks for sharing 🙏🙏

@alokranjankumar960 9 месяцев назад

Bhut achhchhi jankari 🙏

@bhupindergoyal3010 2 года назад

सर अगर मै लोन insurance लेता हूँ। अगर कुछ हो जाये तो co applicant को लोन भरना पड़ेगा या नही? Plz reply

@aaryasawant4511 Год назад

Very good information given about regular life insurance policy

@lalitsharma1412 5 месяцев назад

Thank you

@rishih5447 Год назад

Informative Blog !!! Thank You

@Imrajeshpatel143 10 месяцев назад

Thanks सर बहुत अझे से समझ मे आया thansk सर जी

@uniquegaming103 Год назад

Agr Insurance le liya to jb loan amount khtm ho jaye or jis person k nam pr loan hai usko kuch na ho to us paise ka kya hoga bank wapis degi ya nhi🤔🤔🤔

@rokigemar3214 Год назад

sir meri sbi home loan chal rahi hai mai term insurance lena chahta hu to kaun sa term insurance lena chahia advice me please

@rahulgarg3985 Год назад

Too Good sir, Exactly Explain

@maheshchinchane7823 Год назад

सर होम लोन लेने के साथ bank insurance लेना compulsory है क्या

@pankajmathpal Год назад

जरूरी बिल्कुल भी नहीं है लेकिन जोखिम को कवर करने के लिए लेना चाहिए।

@satynarayanverma664 24 дня назад

अति उत्तम सर जी

@vijaybhasme9727 Год назад

I have taken 42 lakhs home loan in 2017 from icici Bank for 15 years along with that, I have taken iciciprudential home loan protection plan, and one time premium was paid by the bank. I planned to close my home loan in June-2024 in that case may I get refund from iciciprudential home loan protection policy amount.l as it was covered until 2032. Please guide 🙏 Thank you.

@shreebhavanisecurity644 3 года назад

अगर हमारे पास पहले से ही turm policy है ओर हमने नया home loan apply करते है ओर बैक नयी पोलीसी का दबाव करती है अगर नही लोगे तो लोन नहीं देगे ऐसा बोले तो कया करे? जबकि लोन सेनसर लेटर थी आ गया हो .प्लीज़ सोल्यसन दे.

@regzen183 7 месяцев назад

Very informative Sir Could you please explain about warranty and %age of recovery. Thanks

@harshshukla3651 11 месяцев назад

Hi, Please suggest- Whether to include one time insurance premium in home loan amount and emi or pay it seperately (if i have available funds) also whether i should go for reducing coverage or fixed?

@VISHAL-pp4dc 2 года назад

Thanks for the lucid explanation

@shailesdarbar8758 Год назад

Verynice ...bhot hi bdia.

@sachinchaudhary4674 3 года назад

मैंने 12 लाख का होम लोन लिया है 20 साल के लिए। मुझसे 29000 रूपए लिए हैं उन्होंने insurance के। मैं जानना चाहता हूं कि क्या मुझे लोन पूरा होने के बाद insurance वाले रूपए वापस मिलेंगे कि नहीं।

@deependrakumar6424 3 месяца назад

milege

@arbind000 2 года назад

Thank U so much sir it is very very useful information 👍

@adsketch-ki8jf 3 года назад

बहुत बढ़िया प्रस्तुति सर

@milindraut2037 3 года назад

Nice Information👌👌👌

@cutefisherblog Месяц назад

Sir men home loan kiya tha 20 years ka mne loan ko 5 years m bhar diya h February 2023 m lkin sir us k sath insurance mila tha vo return ho skta h jis se ki us insurance amont ka return mil skke plz confirm 🙏🏻

@ankitKumar-mw5lz 5 месяцев назад

Dhanyavad sir keep it up

@yogeshpandey5075 9 месяцев назад

Sir meri sister ne 2015 me home loan liya tha or iska insurance bhi hua tha and 2018 me sister ki kidney problem se death ho gai but insurance company ne claim Dene se mana kar Diya unhone bola ki sister ko bimari pahle se thi or present me jijaji ki bhi death ho gai or abhi unka ek ladka he 15 years ka esi isthiti me kya kare jabki policy 2015 se 2021 Tak ective thi

@pradhanmangal8295 Год назад

Samjhane ke liye dhanyabad

@AvadhutManisha Месяц назад

Not so clear about single premium policy, regular premium policy ... As I don't have term policy

@jaysukh_044 Год назад

Thanks for guidance

@kd0815 3 года назад

मेरे पिताजी ने 16 लाख का इंडिया बुल्स से होम लोन लिया था जिसका signa company से इन्शुरन्स प्रिमियम करवाया था, 90 हज़ार रुपये प्रिमियम एक बार मे गया था, अब पिताजी की कोरोना से मृत्यु हो गयी ओर इन्शुरन्स कंपनी का कहना है कि हमारा इन्शुरन्स सिर्फ 3 साल के लिए वैध था अब वो ये लोन चुकाने में हमारी कोई मदद नही करेंगे, इस स्तिथि में क्या किया जाए कैसे लोन चुकाया जाए, कृपया हमारे लिए कुछ सलाह देने की कृपा करें !

@dharmorsanskar165 Год назад

Hamare sath bhi yhi hua he bhai

@dhirendrasinghyadav8326 Год назад

Awesome sir, useful for loan borrower.

@manojkumar-lr4cr 10 месяцев назад

Sir maine Hdfc Se LIC me home loan transfer karaya hai or 2,79,000 insurance premium tha..loan transfer hone k bad mujhe premium 1,30,000 hi Mile.. mera loan 10 months hi chala phir bank walo ne 1.5lakh kaat liya..plz guide me sir ab kya kre

@manashdatta6487 2 года назад

agar bank wale loan ka document ke saath insurance ka document bhi sign kara le bina kuch bataye toh hum kya kar sakte hai ?

@pankajmathpal 2 года назад

Policy milne ke 15 days ke andar surrender kar sakte hain. 15 days ka free look period hota hai.

@prasantkumarbisoyee5087 Месяц назад

Sir my question is that, If I clear my home loan amount before the tenure period then will I pay the rest installment of insurance amount or it will be closed?

@vishnugosai7745 2 года назад

Mere pitaji chal base he,par hamara home insurance tha,,life insurance nahi to kya hogaa?

@pankajmathpal 2 года назад

Aapka ya Jinka ab us Ghar par adhikaar hoga unhe ye loan repay karna hoga.

@AmitKumar-qv6pg 2 года назад

Bahut achhi lagi very good.

@baljeetkaith8713 3 года назад

Very informative 👏

@prashantsharma3578 Год назад

Mere father ne hdfc se loan liya hai 7 lakh ka plot+eqt bank wale bol rhe hai ki insurance krna compulsory hai or apke father ki age 58 hai isliye primium 2300 rs per month ayegi itna mhanga insurance diya ja rha hai Bank ki traf se kya kre please reply

@mohansinghbhati4463 2 месяца назад

Sir maine one year pahle home loan ke sath police liya but ab policy ko surrender karna chahta bcz mere allready bahar se 4 general policy h to kya ab surrender ho sakti h policy

@HartiLalmeena 5 дней назад

HDFC loan diposit Kara Diya or HDFC life insurance jama Kara Diya ha dho milaga or nahi

@jp53077 3 года назад

Best knowledge.

@Sachin-sv4ze 3 года назад

सर मुझे एक जानकारी लेनी थी अगर होम लोन कोई कैंडिडेट लेता है और उसकी डेथ हो जाती तो फिर उसका बकाया अमाउंट जो है कौन जमा करेगा और करना पड़ेगा कि नहीं

@ashishsachan9208 2 месяца назад

It was very informative

@suayshjust4u 2 года назад

Good information. Thanks!

@Sobeteiostadi 2 года назад

Best explanation.

@anandmishra9460 2 года назад

Bahut acha jaankari

@prof.mvribadiya2672 Месяц назад

Good information

@narpatsinghchouhan1587 Год назад

Thanks sir bahot sahi hai

@paragsahani6742 11 месяцев назад

थैंक्स सर मेरा होम लोन चालू है मैंने इकट्ठा अमाउंट भर भर के लोन को लगभग भर चुका हूं 2 साल के इधर उधर और बचा है लेकिन मुझे इंश्योरेंस का पैसा नहीं भरना है उसके लिए मैं क्या करूं

@pankajmathpal 11 месяцев назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-BSBJZ9OeU-U.htmlsi=_1dKBPA-VAO9QqDS

@devmusic3706 5 месяцев назад

Sir,bank ne hamari singal primium policy kar di hai Bina bataye.hum ise surrender kaise kar sakte hai.please guide me

@rohitanwekar3843 Год назад

Sir loan takeover ke case m kya insurance end ho jayega as jo policy h wo us bank k loan par insured hai na ki new bank k loan par? Please guide kijiye

@pravinpatil6701 9 месяцев назад

Excellent 👌👌 sir

@luckypanda7078 2 месяца назад

Good suggestions 👍👍

@user-fq3fb7wv5f 2 месяца назад

Thank you sir

@ranitdey6355 Год назад

thank you so much

@pankajmathpal Год назад

You're welcome!

@maheshmayani6194 Год назад

Very nice explanation

@tashinee6318 3 года назад

Thank u sir👌👌👌

@RajenderSingh-pv6sr 2 месяца назад

Very-Very good sir 🙏❤❤❤❤ ji

@raghvendrarajawat1428 Год назад

Bahut badhiya sir

@ashvinkhimsuriya9749 2 года назад

very good knowledge provide sir.

@tigersharma7775 2 года назад

Dath hone ke baad isurnac kitne kitne din mai bank shot out kerti hai...... Proprty peper dene mai kitna lagati hai

@prakashbishnoi4044 3 года назад

सर मेरा होम लोन बैंक आफ बड़ौदा से 21,15000/- स्वीकृत हुआ उसके साथ बैंक ने बड़ोदा होम सुविधा पर्सनल लोन 1,30000/- बीमा लोन दे रहा है 360 महिना के लिए स्वीकृत कर रहा है ये सही है क्या

@abhishekshende3157 2 месяца назад

Sir I have a home loan insurance should I repay the insurance part first it's about 2.5l @9% or should I focus on main home loan which is at 8.3%

@LifeGeneralist 4 месяца назад

Buy term plan separately only, never go for HDFC insurance clubbed with loan

@RakeshKumar-qu5de 3 года назад

Bahut badhiya

@deadlyalive4997 Месяц назад

Bahot achi

@satyanarayanamamidala7249 11 месяцев назад

Sir मेरे साथ है सा ही हो गया अभी मैं क्या करना पड़ेगा pls advise करे

@sudha222282 Год назад

Sir मैंने एक्सिस बैंक से लोन लिया था उन्होने मुझे सिंगल प्रीमियम वाली पॉलिसी जानकारी के अभाव में de di , ab मैं अपना लोन pnb me transfer करवा रहा हूं तो क्या इंश्योरेंस ट्रांसफर होगा या नहीं

@pankajmathpal Год назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-H5_U3I3hWJY.html

@gajananmore4166 3 года назад

Nice information sir🙏

@KrishnaMurthy-zp6gs 3 года назад

Well explained sir 👏

@manishvyas0702 Год назад

If property is being old (30 Years) then if insurance company had issued the STRUCTURAL Insurance policy, then in case if future any calamity occurred, then how much % claim will insurance company will likely to be settled?

@StunningSurat Год назад

Very good information sir

@HyderKhan1211 2 года назад

Sir, my father had taken loan insurance from HDFC life, he passed away and now it has been 4 months since we submitted our claim but it is not processed yet. We are forced to pay EMIs and they say only principle amounts will be returned in claim. I want to know as per IRDAI is there any time limit within which the HDFC life have to settle the claim

@shaikismail55 2 года назад

Hi, did you get claimed ?

@chandrakishor5492 2 года назад

Sir customer Ka policy v ho ar home loan v ho ar customer Ka death hojaye to policy se money cut hoga kya

@akashsolanki3958 3 года назад

Sir mere papa ki death ho gyi hamara insurance bhi tha lekin wo 3 month tak pass Nahi huva to Hanne 3 month EMI pay Kiya to sir Pura EMI refund milenga hame

@pankajmathpal 3 года назад

आप पता कीजिये कि क्या आपके पापा के नाम पर लाइफ इंसयोरेंस पॉलिसी इशू हो गयी थी। यदि पालिसी इशू हुई है औऱ प्रीमियम टाइम पर भरा गया है तो क्लेम मिलेगा।

@kansaradilipchandra5504 2 года назад

Superb excellent sirji

@gsbyprashant7695 3 года назад

सर प्रणाम, सर मेरे पिताजी ने 10 लाख का होम लोन लिया है बैंक ने house इंसोरेंस किया पर लोन इंसोरेंस नहीं किया। सर अभी 8 लाख का अमाउंट बचा हुआ है, सर क्या बीच मे लोन इंसोरेंस हो सकता है कृपया बताइयेगा जरूर थोड़ा परेशान हूँ उपाय बताइये।

@hemkantdwivedi7808 3 года назад

Useful information

@ravibhandari9451 Год назад

Sir kya equity loan per insurance mandatory hota hey?

@arunimpaul3983 11 месяцев назад

Sir, I have a single premium rinn raksha policy with SBI home loan, but I want to transfer my loan to another bank with better offer. In this process what will be the future of my rinn raksha policy ? Thanks in advance!!!