Get OUT of LOAN and DEBT! | Repay Loans quickly 2023! | Ankur Warikoo Hindi

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If you or someone you care for is going through a trap of huge loans, then here is the step-by-step process of how you can get out of them.
I really hope for you that you get of that as quickly as possible, and also start taking steps towards your financial freedom:
Use this excel sheet to recalculate your EMIs to pay off your loan early:
Here are my previous videos for your deeper understanding:
How to pay a 25-year loan in 10 years: bit.ly/3vPSqgf
50:30:20 Rule: bit.ly/3KU61ti
How to create an Emergency Fund: bit.ly/3Id3qsV
Understanding Life and Health Insurance: bit.ly/3vln8gY
00:00 Introduction
01:25 Prioritise your loans
03:55 Increasing the loan tenure
05:55 Raise EMIs or pay lumpsum
08:40 Re-finance your loan
10:50 Take another loan
12:00 Prepare a budget
14:25 Settlement
17:00 Bonus tips
19:00 Conclusion
#Warikoo #LoanRepayment #BadDebt
Click here to subscribe to my RU-vid channel: shorturl.at/bizNX
-------------------------------------------------------------------------------------------------------------------------------
My Money Apps: bit.ly/3Zg56eR
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone
‘Do Epic Shit’: ankurwarikoo.com/doepicshit
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙️ Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽️ Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/WarikooBooks
20 online courses for your 20s: bit.ly/WarikooOnlineCourses
Gadgets that I use: bit.ly/WarikooGadgets
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Let’s connect online:
🎙️ My weekly podcast Woice with warikoo (Spotify): open.spotify.com/show/1g7wpoq...
📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.com/newsletter/
📱 Instagram: / ankurwarikoo
🐦 Twitter: / warikoo
👨🏻‍💻 LinkedIn: / warikoo
😄 Facebook: / awarikoo
🖋️ Daily Blog: ankurwarikoo.com/blog/

Опубликовано:

8 авг 2024

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Комментарии : 486

@warikoo 2 года назад

Subscribe to my all new Shorts channel, warikoo Shorts, and learn personal finance and career tips in less than 60 seconds! t.co/pMdPNe4Quf Want to meet me LIVE? Announcing the DO EPIC SHIT Show, across India. Let’s meet live in your city: bit.ly/AWLIIVE Use this excel sheet to recalculate your EMIs to pay off your loan early: bit.ly/warikooemicalculator My Money Apps Zerodha (for stocks): bit.ly/3iYKROh INDMoney (for US Stock investing): bit.ly/37M1rik (use my code AWG to get free google stock) Smallcase All Weather Investing: bit.ly/3u0is0I Smallcase Capitalmind Momentum: bit.ly/3j0oBnn Smallcase Weekend Investing: bit.ly/3KEYCxW WazirX (for Crypto): bit.ly/3O4KC2F Vauld (for Crypto): bit.ly/38zJtQg

@mukibkhan3885 2 года назад

Hello Sir I am from Assam and i am your longest student when you have 312k subscriber and your videos are really help me a lot in our life Thank you so much for giving us real knowledge and i specially pray for u on coming Eid to more and more you will achieve and teach us..i have a huge confusion in my life ryt now m working as a Admin staff and education background was Engineering but i want to be grow in my future on Business management but i am not capable to do MBA due to some issue bt i was thinking about take a Post Graduate management course from IMT Ghaziabad and for that i have to take loan around 3.50 Lakh...Now sir please give me a solution can i take it the loan for that course or what should i do please give me a solutions...?

@unik_143 2 года назад

Maine last month me 1000 ki SIP start kiya thi(in UTI Nifty 50).... Next month mera birthday hai to meri sister mujhe 50 thousand rupees de rahi hai...(I am a medical students. Age-19)... So mai ise index fund mai dalna chahta hun so it's a right time to invest my 50 thousands Or should I wait.And also I continue my SIP per month.......🙏🙏🙏🙏🙏🙏plz reply me

@ashwanikalla335 2 года назад

Hi Ankur, Can you make one video on School Boards ( CBSE ,ICSE& Cambridge).... Which to opt for .....

@dddharmesh Год назад

very useful information... thank you

@faizciet Год назад

not able to edit sir ... requested access please grant

@shiladityakarmakar8627 2 года назад

Tears came in my eyes after listening to this episode. Same thing is happeing to me. Trying my best to get out from this loan situation.. 😔

@katkunkumar2791 2 года назад

Absolutely right

@RoamingBeast Год назад

you will get out of this hard situation very soon. Best wishes!!

@yachikasharma4919 Год назад

Hang in there, you'll get through it. Wish you all the luck.❤

@vinayakiyer075 Год назад

Same here , frustrated with debt

@sachinkumarrasur9084 11 месяцев назад

More power to you

@Wowesome 2 года назад

Was really looking forward for this. Thank you Sir for sharing these details and the excel workbook. Extremely helpful 🙏🏻🙏🏻

@patshirley1902 2 года назад

MRS CLARETTA IS LEGIT AND HER METHOD WORKS LIKE MAGIC I KEEP ON EARNING EVERY SINGLE WEEK WITH HER NEW STRATEGY.

@alicesandra2626 2 года назад

Wow I' m just shock someone mentioned expert Mrs Claretta thought I' m the only one trading with her

@alicesandra2626 2 года назад

She helped me recover what I lost trying to trade my self

@albertethan7093 2 года назад

I have also trade with her, and i earn $2,600 every week. All my family has been trading with her and making a profit

@whatapp7838 2 года назад

I still wonder where she gets her analysis, i got profit of. $28,609 with a capital of $4000 in 16 days of trading with her

@emydon4428 2 года назад

What's your beneficial towards trading with miss Claretta platform?

@pallavichetia309 2 года назад

Don't know how I come across to this channel but since that first video which was on investment till this one I am very thankful that I subscribed to your channel. The most important two things in life I believe are time and experience. And the way you share your experiences, lessons/learnings you get through them and most genuinely keeping the transparency of everything is just way more deserving than just a simple "THANKS"🙏🙏 but still Thank you so much

@Mynameissachi 2 года назад

Same

@warikoo 2 года назад

Thanks a lot Pallavi :)

@this_is_mr_unknown9442 2 года назад

True. . . He's the best

@pious108 2 года назад

@@warikoo hame bhi reply dedo sir

@Anuj_4444 2 года назад

Well let me clear this today ! people used this emoji 🙏 as a pleasing manner like request but when I searched on google about this ye toh hifi ka symbol nikala. 😖

@darshanpurani7775 2 года назад

In the world full of money launders and people trying to make money, thank you for being the one guiding people for the untaught reality of financial systems and the life saving tips. You're making people's life! Thank you again!❤️

@maksad3961 2 года назад

Thank you so much. I was about to request you for this video today only and look you uploaded it today. Thank u from the bottom of my ❤️. People trapped in bad loans needed this desperately,🙏

@aarzuansari9644 7 месяцев назад

Thank you sir Providing me these knowledge I will aply it in my life I am thankful to you

@venkateshchagi2944 4 месяца назад

Excellent video, very useful information and great explanation. Thank you Ankur!!

@hemantahazarika8471 10 месяцев назад

Thank you very much.. Would like to hear more on the same topic..

@sukantasagar9492 2 года назад

Whenever I see Ankur Bhai educates us like this, I feel that he belongs to our family who is much more concerned about our financial situation rather than our real relatives. Thats why we love your work Ankur Bhai. Stay blessed stay healthy ❤️❤️❤️❤️❤️

@PraveenSrikar 2 года назад

Thank you !! I now get & understand a way to get out of my mistake ! Your video always provide a perspective and learning !!

@arunshibad5386 7 месяцев назад

Dear Sir, God Bless You. As you narrated the sequence, I saw the past unfold. Wish I had this valuable insight 10 years back. Amazing narration and quality of content. This knowledge should be taught to children towards 9th , 10th standard in school and early phase of colleges. Stay Blessed

@Keshav46 2 года назад

Thank You Sir. As a single parent Child. I grew up in debt from childhood. i just want to clear all my parents debt and want them to buy home. You are the Man behind all my financial activities i do i follow you. i will try to apply this

@yoursuperstar9531 8 месяцев назад

Thank you Ankur Sir. For all your help.

@mchitra2165 11 месяцев назад

Love you brother!! What a sensitivity shown in explaining this topic. Extremely useful tips ❤❤

@dilipsawatkar3011 8 месяцев назад

Many many thank you sir. You have given valuable guidance to me.

@deepakzori5091 5 месяцев назад

Thanks for giving best advice i am going to try

@SAYANPAL777 2 года назад

Namaskar🙏🙏🙏 Thank you so much master for your concern on every single financial aspects. I don't know anyone even in my real life who can describe this kind of financial aspects better than you. I am giving you complement becouse I am not that much big one in this society but I would like to let you know that I am very much thankful for your service to us. God bless you🙏 Always stay happy ❣️ Respect and love to you and your family 🙏❣️ Thank you so much master 🙏

@kamalkumargautam007 2 года назад

Ankur bhai Hindi bhi solid hai aapki . Best thing about you is that you are sharing your life experiences and u very well know that every person who is in age of 25-45 is facing the same kind of situation . Thank you very much. We have learnt a lot from you.

@manmohan6 2 года назад

Thanks for sharing this useful knowledge Sir. You are a very good teacher, motivator but above all you are very honest in admitting your past mistakes. That's I like the most

@zubairahmedasmi9033 6 месяцев назад

Thank you very much. Allah bless you and your family.

@skgtechnovation9502 2 года назад

That is the video that I am waiting for it. Thanks Wariko sir

@peterjoyson2494 2 года назад

Thank you sir you are really doing a great job thank you for believing in the concept of giving back to the community. You have my respect sir.

@ashmantakbhosale742 2 года назад

Sir i can relate it so much recently i settled my home loan....on 23 lakhs it was taken for my sister opeartion at the same time i was working on a starup so only income source was my father pension...as it was our first home but we sold that amount on settlement amount and we took that extra money rent a flat sold old the old house hold material....and bared all the expenses....i have learned manny things from you....i dont kmow but you are doing so much for people really apreciate your efforts your kindness comes im your videos you are God l. Mean it...thank you so much for all the financial education😊😊

@loveuzindagi48 10 месяцев назад

Thank you so much.. Every word of yours gives me the strength to overcome all the odds.. I am currently in the trap of bad loans and ur video has become my lifesaver❤ I hope I bring myself on track with ur support😊Thank you so much❤😊💕

@6PackProgrammer 2 года назад

I was about to request a video regarding this topic, and you have already uploaded it. Appreciate

@pranavrapelli8626 2 года назад

Eagerly waiting for your video, thanks 😀

@lavanyagangaram 2 года назад

Thank you so much Ankur 🙂 Very helpful 🙏

@reromsp 2 года назад

Thanks for the video!!!

@pinksita12 Год назад

Super super like the emi payoff!! I just calculated and makes sense!! Love u! Thank u

@abhishekdasgupta4667 Месяц назад

EXCELLENT VIDEO SIR

@madhusudhannarasimhan2241 2 года назад

Terrific video Ankur. The prepayment concept was an eye opener. Thanks a lot.

@tarunendrasinghbhadoriya3043 2 года назад

Thank you sir 🙏 wonderfully you had described the way to get rid out of from it.

@tnnz1 2 года назад

You made my wish come true. Thanks a lot. Wariko Sir.

@SinghAprajita Год назад

Much needed Thank you Ankur sir

@Lovely-dl5cw 2 года назад

Thank you so much for your valuable lessons on loans. Can't thank you enough. God bless 👏👏😊

@_pratos 2 года назад

One of the best explainers for someone who's wary to take a loan and be debt ridden. Ankur can you also talk about debt as a wealth generator (if that's even something)

@coolprem502 2 года назад

Amazing sir you have no idea how much you are helping everyone god bless you hope to meet you someday 🤗

@munmunghose8013 2 года назад

Great great advice..they are really very useful.. thanks sir

@Super_abundance 17 дней назад

Very helpful video and experience based. Be simple live simple but don’t take the burden of your loan into your head.

@srinaga1975 2 года назад

Very useful excel sheet; Nice presentation Mr. Ankur

@meenuT. Год назад

Wow ,I recently started following you and watching your videos. You are actually a true saviour Ankur👍My Money Guru g🙏

@adnanmasih9254 2 года назад

Thank u sir for such precious information 👍

@user-bh5jt1jv7n 6 месяцев назад

❤❤ Very useful most important things

@kamleshpandey8040 2 года назад

Very beautiful information given by Ankur sir. I have seen many videos of Ankur sir and I also apply it in my day to day things, it helps alot. Thanks sir for sharing this great knowledge with us..... Regards

@ambadikannoth8573 Месяц назад

Really helpful bro❤

@deepakgiri839 2 года назад

That was a Great Information....

@navingautam8878 2 года назад

Love this video need more content on this kind of real life problems please ❤️

@helenstam1033 2 года назад

There might be an economical turmoil but there is no doubt that this is still the best time to invest

@susangallo7277 2 года назад

Best time to invest ?? thats funny though because in the last four months i have lost more than $70k in stock market . how is it the best time ?

@helenstam1033 2 года назад

you could be right or wrong depends on your expertise, I once made such loss when i invested thinking i have gathered enough trading skills from youtube videos but now its a different ball game for me because I was lucky to have met " Michelle Francis Elo ", a financial manager and stock expert , I have made more than $167,000 in 9 weeks under her supervision .

@16mdi 2 года назад

Really ? people are cashing in from the market and frankly speaking its comforting seeing someone admit to the fact that they actually seek help from professionals. please how can i reach Michelle ??

@helenstam1033 2 года назад

easily do quick internet research where you can easily approach her from, do your research with her full names mentioned.

@charlycelis1494 2 года назад

@@susangallo7277 is still the best time to invest. I recover my loss with the help of an expert. if what the RU-vidrs teach works, they would be millionaires at this point, no need to be teaching it.

@MukeshGurungBhorletar 2 года назад

You have totally change my view on finance,loan,investment.Which is my biggest achivement & power to my life.Thank U sir,Hope in future i also do same like you in my country like Nepal🇳🇵

@cgadhari 11 месяцев назад

Nice recommendations

@prakash5910 2 года назад

Thanks a lot ankur!

@hrushikeshavachat900 2 года назад

The issue with prioritizing loans that I have seen working as a financial management consultant over the years is that the client wants to keep his house at all costs due to emotions and he let's the high interest loans such as personal, unsecured or credit card loans to pile up over the years. The emotions override the financial iq of the brain. Whenever I recommend my client to sell his house and shift to smaller house or a rented house or a house owned by his parents and then clear off the loan and then improve their financial position they resent the idea and many times don't agree and leave. Same happens when of we see the house is clear then we may ask the owner to go for a LAP to pay off credit card and personal loan they want to own their house free and clear. They don't understand that by taking a LAP they will be able to reduce the total outflow for repayment of loans.

@amit57890 2 года назад

Hi Ankur, My friend recommended ur channel saying to watch the emi calculation video and from then I just keep watching ur videos. First of all, thank you for making these videos, i feel these are helping me to be more disciplined towards my money. I have watched some videos where you don’t recommend to take a car loan. If you may explain this deeply, i will be grateful to you. Thanks 🙏

@nehasharma-ix4mh 2 года назад

Thanks sir mera jo aapne bataya same chal raha hai life me or me ab in sab se bahar nikal aaungi many many thanks

@Kabdalvlogs Год назад

Thank you Universe for suggesting me this video ❤

@ragamayipattabhi9325 2 года назад

Nothing helped me to get out from multiple loans but only this video gave me direction and now I think I'll be able to lead a normal life in sometime, thank you so much for such an amazing knowledge 🥺

@cherry87164 2 года назад

Wonderfully made video

@santoshs4393 2 года назад

Thank you very much for sharing life mantras🙏👍

@fizashaikh1668 Год назад

Hi @warikoo, Thank you for your video. Prioritising loan is correct but it's difficult when you are the only person earning in the family of five. And lastly the impacting of credit score by settlement, it is definitely the last resort, but can we like a financial planning to clear debts and still have a bit of mental peace. I have seen documentaries on Netflix and would appreciate if you could make a video of it too.

@sunnybahot9017 2 года назад

Sirji..... U r amazing & a great finance guru🤘

@ganeshverma5156 2 года назад

Really helps out

@taraknathbhattacharjee5442 2 года назад

Really effective video for those entangled in loan web. Please put some light on also top-up loan & credit-card EMI payment where interest rate lesser.

@kumarsint2 2 года назад

Thank you so much Sir 🙏🙏

@gurupraveen355 2 года назад

Osm very informative thank you so much 🥰

@bfc2184 2 года назад

Much needed knowledge

@pchatterjee4150 2 года назад

Very well summed up! I learnt a lot and much faster here than what I got from the time I spent on reading ''Broke Millenial'', which ultimately I stopped reading.

@virajth 2 года назад

1 thing to keep in mind while thinking of taking loan with less interest rate. If you have already spend 3,4,5 years paying emi in the old loan, then you should make the calculation for interest. It may happen that both loans gets at the same interest or even lesser even if the new one is cheaper. Because the banks charges more interest in starting. So if you have completed upto 5 years, you already have passed the toughest period. Probably won't need to change the bank. *Considering secured loans. Mainly home loan.

@vj8120 2 года назад

Not everyone spits about bad times after success, Ankur warikoo you are unreal❣️

@lotusshower3192 4 месяца назад

God bless you ❤

@Creator__banda 2 года назад

Thank you dear warikoo uncle❤️

@shobhakantakafle4977 2 года назад

Sir you are amazing , i love your thoughts 🤩🤩😍😍😍

@vaibhavkamble3325 2 года назад

Thank you sir ...for wonderful experience..which willl not get surely by paying any money .. feels honestly

@Dk_vlogger364 2 года назад

So nice of you sir 🤩😍

@AR-India 2 года назад

Kabhi aap bolte ho ki aaplog Bachpan me garib they, 1 room me rahte they..... Ab bolte ho credit cards bhi tha... Gari bhi thi.... Ghar bhi tha... You are a good candidate for PM

@rajeshmoily2175 2 года назад

very Very Very Very good information sir. thank you sir

@ashishikumarpanda6466 2 года назад

Excellent and logical thought

@AbhishekWardhan3 5 месяцев назад

Thank you

@AjeetSingh-mk8pv 2 года назад

Very Good Explain Sir

@Ankitkumar-by7kn 2 года назад

I am not in any loan in my 20s, but the Last two points was awesome and i accept i was not ready for that but definitely it was one of the best advice someone has given this to me . thank you Ankur Sir

@warikoo 2 года назад

Thanks Ankit

@iam_sangu 2 года назад

A very very great one. It's a boon to get such content!🧡

@iam_sangu 2 года назад

Sounds interesting. Can you let me know more on how will this work? Thank you🙂

@morumalgidwaniharmonium 2 года назад

Sir i m big fan u...u r a great teacher and wellwisher ..🙏😊

@akashettu2994 5 месяцев назад

Thankyou i will ensure it

@rashidmemon00 2 года назад

The best teacher you get for free is him 🌟❤️

@arkaghosh343 Год назад

Great video.

@rekhaJain-tf3ke 5 месяцев назад

Aisa hi advice dete rahe 😊

@KumarSandeepTheLifeCharger 2 года назад

Great Ankur

@youtubehero4442 2 года назад

thank you very much Ankur

@VIKASKUMAR-gz6vu 2 года назад

Thanks for video sir

@shridharpandit9698 2 года назад

Thank you sir.

@comedyworld8504 2 года назад

Learnt a lot from you.Thankyou for sharing this great information 😊

@user-ly7yy5jg6v 2 года назад

Thank you for watching, feel free to contact for new investment methods 👆

@God_Usopp 2 года назад

Saw your book in Kolkata airport. Grabbed a copy. I'll start reading it after finishing another book that I'm reading now.

@rekhaJain-tf3ke 5 месяцев назад

Thanks 🙏🏻👍🏻 sir

@VishalKumar-vi8jd 2 года назад

@warikoo Hi you and your suggestions are god's word to us. I was in a credit card loan trap which I had settled in a less amount they called and gave me an opportunity to do the foreclosure. But now my credit score is too less. How can I increase it again to take future home loans. Can you make an video on that. Thank you. Love you work. You are amazing.