Ghar BUY ya RENT karein? | Financial Advice for every 20 year old | Ankur Warikoo Hindi

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Is renting a house a waste of money?
#warikoo #buyvsrent #investing
Excel sheet to help you with the decision: Analyse with Calculator
drive.google.com/file/d/1t8W_...
00:00 Introduction
01:10 Think objectively, not emotionally
02:40 Costs of buying a house
04:45 Costs of renting a house
05:20 Rental yield
10:45 Pros and cons of buying
11:10 Pros and cons of renting
12:20 My final recommendation
14:30 When to buy a house?
Should we buy or rent a house in India?
What is the concept and difference of renting and buying a property in real estate?
When you invest in buying a home, it involves huge down payment as well as a home loan, which is a long term investment.
However, when you are relatively younger, you need flexibility, ease of movement, and more investment in equity.
But, a house is an emotional haven, and a rented house cannot provide for that.
So which one should you go for? I explain it simply in this video, watch it from start to finish in order to understand all the aspects of buying and renting, along with my choice, and then make your decisions.
If you have any questions, please ask them in the comments section below.
Click here to subscribe to my RU-vid channel: shorturl.at/bizNX
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Ankur #Warikoo is an entrepreneur, an angel investor, a mentor and an active public speaker.
For the past 4 years, Warikoo has been actively sharing content on RU-vid, LinkedIn, Instagram, Facebook and Twitter amassing a following of 1.7Mn+ people.
He posts 3 Hindi and English videos every week on his RU-vid channel, where he talks about entrepreneurship, how to grow in life, personal finance and failure.
Warikoo started his entrepreneurial journey in 2008. His most recent startup is nearbuy.com where he was the founder and CEO from 2015 until 2019.
Prior to that, Ankur started Groupon’s India business in 2011 and acted as the Country CEO from 2011-15, and Head of Groupon APAC from 2013-15.
An alumnus of the Indian School of Business, Ankur is an active Angel investor and mentor to several startups.
Ankur has been part of Fortune Magazine’s 40 under 40 List for India, LinkedIn India’s PowerProfiles List, LinkedIn India’s Spotlight List and India’s Top Executives under 40 list.
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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
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💡 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/
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Опубликовано:

23 июл 2024

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Комментарии : 7 тыс.

@warikoo 3 года назад

Get my new book ‘GET EPIC SHIT DONE’ here: ankurwarikoo.com/getepicshitdone Order my first book ‘Do Epic Shit’: ankurwarikoo.com/doepicshit Excel sheet, on demand :) drive.google.com/file/d/1t8W_KdcvQWdHmAbJ3rF21rQMNkp-VI4l/view?usp=sharing PS: WATCH THE VIDEO FIRST, else you won't understand much from the sheet Hope you find it useful

@tasvideovlog8240 3 года назад

thanks

@deepakchavan4074 3 года назад

thanks sir

@twa-talkwithamit603 3 года назад

Thank you sir

@mohitraina11 3 года назад

Awesome

@twa-talkwithamit603 3 года назад

Excel sheet se bahut aasani se samajh me aa gaya sir Btw aap explain bhi bahut accha krte hai

@create.your.success 3 года назад

We want Excel sheet❤️.....you rock

@Dhanushconsultancy 3 года назад

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

@saurabhdaswant7833 3 года назад

yes

@mishra5028 3 года назад

@@aswathkishan9659 checked! subscribed!

@sibanjanpurkayastha1953 3 года назад

You u want that.. U guys are MLM stars.. Crorepati ho aap😂😂😅

@prabhanjanyoga6400 3 года назад

Yes

@shubhamrakesh3635 3 года назад

Neither buy nor rent, start living in a tent.

@rg7548 3 года назад

😂

@gauravrathore2644 3 года назад

😆😆😆

@shubham------- 3 года назад

😂😂😂🙌

@nishanthmiriyala 3 года назад

This is realization

@tanvinaik7890 3 года назад

This is too good. 😂😂

@Saral_Lekhi Год назад

After deciding that I actually prefer to always living on rent I decided to buy....I got very irritated when I had to move because landlord either wanted to raise rent unfairly OR they were nice but they want to sell the flat, because they bought it on a loan! It is very stressful. Beyond a point a house becomes a very important aspect of life . A place where u can....to put it philosophically , be safely able to sit still if u want and no one else has the control to take that away from you and force u to move . That is what I ended up facing in the lockdown and it had a different psychological effect. Else I was more happy staying on rent for past 20 odd years. But being forced to move when u don't want to , is not nice. Hence I decided to buy so that I am not forced to move out. Yes there is always a maintenance cost. But have one house to your name to stay in....and then have it of such type that if u need to move out and put it on rent it can fetch u rent....and ofcourse in a good area so there is a good sale value to the location. Peace of mind cannot actually be quantified but it matters the MOST.

@ANIKETNNIKAM Год назад

Agree with you

@umeshhengade9940 Год назад

This is Very Nice Explanation !!! Having Own house gives Mental Satisfaction !!! Somewhere in Mind That u Have One Permanent Address !!!

@Quirkyfeeling Год назад

U r right as per ur situation. I also faced this in lockdown.

@ryannazir7000 Год назад

Yes. So, basically, buying is a good option. But one has to ensure that the house and the area have a good market value in terms of rental yield and capital appreciation.

@tarana82 4 месяца назад

I agree also applicable to single women and especially with pets

@christopherthomas7215 2 года назад

GOOD VIDEO; EVERYONE NEEDS MORE THAN THEIR BASIC SALARY TO BE FINANCIALLY SECURED, THE BEST THING TO DO WITH YOUR MONEY IS TO INVEST, MONEY LEFT IN SAVINGS ALWAYS END UP USED WITH NO RETURNS.

@Aaliyah-bv2wr 2 года назад

I think the pandemic has taught people the importance of multiple stream of income, unfortunately having a job doesn't mean financial freedom or security.

@Aaliyah-bv2wr 2 года назад

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@Victoria-vv3ed 2 года назад

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@Victoria-vv3ed 2 года назад

My first investment with her gave me profit of over $64,000 US dollar.

@alexisjo4557 2 года назад

Same here it's four months now I started trading with her too and it's been a good experience,,

@warikoo 3 года назад

Since a lot of you asked for this - link to my eBook, "Mistakes I made with my money" ankurwarikoo.com/books/mistakes-i-made-with-money/

@shanuagra6728 3 года назад

Hi sir! You replied to my question on instagram thankyou for that. My question was that i made 10L in one month of my startup but failed in class 12th should i drop out. Sir i wanna discuss it in a bit more depth, can we talk on instagram about this a bit more, can we please talk i really need help sir.

@salabhbhardwaj864 3 года назад

Thanks for elaborate this important topic impressive information and good experience.😊

@nikhilagarwal9973 3 года назад

Hands down. Kaha se aaye ho aap sir. Amazing

@multitaskingwitharti4212 Год назад

Sir I've got addiction of your videos I'm learning a lot here. Thank you for your precious effort

@Robertgriffinne 2 года назад

At the end of the day, you're buying four walls and a roof. Many young people have been burned on student loan debt, don't get burned on overpaying for a place to sleep. Stay out of outrageous mortgage debt

@marianparker7502 2 года назад

It's

@Robertgriffinne 2 года назад

@@marianparker7502 it is still 4 walls and a roof that you cannot take to your grave in the> end

@Natalieneptune469 2 года назад

@@marianparker7502 He was speaking to the younger generation who's incomes haven't kept up with inflation and they've FOMOed into the real estate market the last few years buying at any cost.

@wiebeplatt4749 2 года назад

@@Natalieneptune469

@marianparker7502 2 года назад

@@wiebeplatt4749 I

@brittanylinda2147 2 года назад

This team mentioned below 👇 is the real for your investment program.

@urple5005 2 года назад

You only have to check them out and thank me later at BadKhenCorpCom on google.

@zoejack4158 2 года назад

Buying a house is just like planting a plant, you wont get much fruit from it but your children will surely get.

@jacobmichael635 2 года назад

Similarly, saving the money while staying in rental house is giving money for more and more fruits to your children. You may even buy different fruits rather than sticking to only 1 type of fruit.

@clinfordbenjamin730 2 года назад

This is the nonsense that real estate sellers say. Fact is, your kids will immigrate to bigger cities for better jobs. Unless you buy in South Mumbai, this argument is nonsense

@smartwilliams4769 2 года назад

Over long period of time say 15-20 years real estate's return will out beat any other form of investment

@samuelowen7673 2 года назад

@Eleanor Brian When it comes to the world of investing, most people don't know where to start. Fortunately, experienced investors guidance them making sure they understand perfectly.

@paulnmesoma7567 2 года назад

Being guided by an experienced broker is the best way to get in, have been making huge returns since I met marshall hector wilfred one of the best in crypto currency investment.

@anitapatel4506 Год назад

@warikoo, You say enjoy the flexibility while living on rent, please explain the following: 1. In which city will you have to pay rent of Rs 8500 for a Rs 50k home? Nowhere I suppose. 2. You have not taken into account the cost that goes to packers and movers when a person has to shift (within a city or outside), especially if you have to move time and again as the landlord changes his/her mind and wants to either live in their home or wants to re-sell it. 3. Buying a home at age 39 or above, how will you pay the EMI for only 20 years? Won't the EMI increase? 4. The actual investment of having a home under your name when no ancestral property exists, is it not a good choice? I hope you answer these questions as it will definitely help me in deciding furhter.

@wariko1 Год назад

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@abirmukhopadhyay6285 2 года назад

Hi sir, i am new to financial field. Dont know wheather its ur voice tone or ur soo simple way of expressing the things but it always gives me peace. Thank you sir.

@mohitgupta3971 3 года назад

Ladki ki maa ko kon manyega without ghar 😂😭

@jigarkumar1523 3 года назад

Ye bhi dik hai

@hpmaity4919 3 года назад

agar ladki maan jaye toh utha le jao.😂

@nishantkambli 3 года назад

Video dikha diyo

@JC-tb1qx 3 года назад

Liquid rakho bank mein. It will work equally. And if they don’t see that then you definitely don’t want a dumb girl in your life. 😜

@maskedtitan22 3 года назад

Ladki ke piche mat bhago success ke piche bhago ladkiya jakh mar ke piche pad jayegi

@mishkhan.2854 Год назад

Pta nhi log 😒 rent k gher m rehne se apne apne bhut garib samjne lgte h..is se acha kisi paise wale se paise ly kr gher bnao ...interest ek andekhaa bhoot h jiska khouf aapko chain se sone nhi degaa..Is liye Islam m interest ko haram kha gya h....open u r mind &eyes....stay blessed ,respect and love from ..MUMBAI 🙏🙏🙏

@tariq_nadwi Год назад

Aaj kal ke zamany mai bank ke alawa ko qaraz de ga...

@stockmarketandfinance8775 Год назад

Same hinduism me bhi hai bhyaaj ka pese se tum khush nahi reh sakte

@ayushsinghofficial9827 Год назад

Shi baat h , intrest haram h .....quran mei bhi likha h or liye muslim log byaj pr paisey nhi letey sirf koi madad krdey to he letey h

@musshipolo4120 Год назад

So basically .. what's your opinion about .. to buy a house or not

@tejaschoulkar2647 2 года назад

As always amazing, informative and knowledgeable Video. My best wishes are with you. Thank you so much for your Videos.

@thomasfoldagergustavo7059 2 года назад

Wow this is really on time THANK YOU FOR BEING YOU AND YOUR KNOWLEDGE 💕💕 your videos are perfect for motivation and ideas and we enjoy and learn so much from them.Thank to this professional Investment team below for your information and being helpful.

@urple5005 2 года назад

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@Enjoylife-jz1tm Год назад

5 crore mein ghar kareedne waallese jyada financial knowledge rent pe rahane waale ko hai ye soch kar hasi aatha hai.

@gauravkumarhero 11 месяцев назад

You didn't think about how he purchased 5cr hone. Is it full white money?

@mybangaloredays 2 года назад

You relieved the biggest pressure of my mind. Thank you...Now another pressure is to explain this to my parents.

@westlucinda7820 2 года назад

Been trying all this while to get back financially, till this name below came to my rescue

@urple5005 2 года назад

You only have to check them out and thank me later at BadKhenCorpCom on google

@shreyamehta6829 3 года назад

Please make excel sheet.. I'm curious to see it over excel

@mahadevdeshmukh6865 3 года назад

Yes sir.. please make excel sheet to understand in better way

@DrErgo 3 года назад

I second that.

@prathibharajkumar3340 3 года назад

yes sir, please

@Road_t 3 года назад

He'll

@warikoo 3 года назад

drive.google.com/file/d/1uEj-_nHm-aGPWwa0zvH55Yv7sijWASYh/view?usp=sharing

@habibahassan1289 Год назад

Very beautifully explained .Thank u Sir.

@divyaakella8881 2 года назад

Wow! I always had this question of EMI vs. Rent. This is eye opening lesson for me :)

@aliciaisabella4507 2 года назад

Big thanks to this team below for your consistent work in assisting my family out off debt and I believe they will keep on doing so

@urple5005 2 года назад

You only have to check them out and thank me later at BadKhenCorpCom on google.

@klairelouie6607 2 года назад

I’ll forever be grateful, to this team below for what they did getting me out of debt Thank you

@urple5005 2 года назад

You only have to check them out and thank me later at BadKhenCorpCom on google

@kirron98 Год назад

I just found this video when I was also in the situation to buy a house... It was like any how have to buy my own house when there is no job stability and in this situation to buy a house is a foolish decision... Thank you sir for making this video Which money I'll pay for down payment I can invest and will get a good return and then I can think to buy my own after some years when I have my job stability

@TechStar_Ali 2 года назад

Awesome explanation... Thank you sir 😊😊😊

@rakeshkumawat8142 3 года назад

What Mr.Warikoo is trying to tell is dont try to burden yourself with loan. In your initial phases of career you should live in rented house as it cost less and provide lots of flexibilty with career and financial circumstances and invest your remaining money in good return opportunities and after 10 to 20 years you still can buy the same kind of house and especially you will be confident which city you want to call your home. Thanks Mr. Warikoo its very helpful.

@vikasp5161 3 года назад

finally someone gets it.

@TheVopz 2 года назад

But doesn’t cost of property increases with time

@relaxzone680 2 года назад

@@TheVopz Investment usse tezi se grow kregi.

@TheVopz 2 года назад

@@relaxzone680 but jinke liye clear hai unhe kahan rehna hai aur jinki salary 6 figure mein hai monthly wo save aur invest karke ghar lele short run mein phir invest karte rahen

@chotatopips4177 2 года назад

@@TheVopz Your salary should also increase with time, if you're doing the right thing.

@therealtestosterone 3 года назад

Never knew hulk would be giving me financial advice😂🔥

@hallowedshubh5073 2 года назад

Now I won't be able to unsee HANKUR😂

@taushifu 2 года назад

Hulk? He's more like Berlin lol

@ashishsrivastava123 2 года назад

@@taushifu yes

@abhishekshirkar9409 2 года назад

Right ...🤗✌️🤣

@kar98gamerz72 2 года назад

Creative minds

@sangsinghsodha6059 2 года назад

Sir, I am very thankful that you made this video and opened the eyes of many many people. I don't have words to express myself. Keep doing such good work.

@krishnakangan809 2 года назад

वाह! कितनी सादगी और सच्चाई के साथ आपने लोगों की मदद की है। काबिल ए तारीफ धन्यवाद

@varshatripathiofficial 3 года назад

This is the besssttt Vdo I hv seen so far !!! 👌

@aryanbharadwaj1010 3 года назад

Woh kehte hai Na....bewkoof ko thoda English mein baat karo toh usse gyani samajhti hai. ..aap kaunsi category mein ho Varsha ji ?

@aagamlakhani6421 3 года назад

@@aryanbharadwaj1010 tu bot financial gyaani hai🙂

@aryanbharadwaj1010 3 года назад

@@aagamlakhani6421 ....Varsha madam ko impress Mar rahe ho kya? Your response 'Tu' shows your upbringing...lol

@e-volvo735 3 года назад

This is the best use of watsapp keyboard I hv Evr seen

@jageshwarpateriya8689 3 года назад

You don't have brain he mixed rental business with personal house and created his own hypothesis to prove himself right, now your brain washed! Best video 😂😂😂

@priteshsingh582 2 года назад

Thanks... Very nicely and lucidly explained... Dispelled all my doubts...

@PreetiWadhwani2592 2 года назад

This is very helpful! Thank you for being honest and sharing your thoughts. Love your content.

@norabecky1830 2 года назад

This team below ⬇️ ⬇️⬇️ of professionals are experts who loves to take on challenges and mostly working on providing quality services to their customers

@urple5005 2 года назад

You only have to check them out and thank me later at BadKhenCorpCom on google.

@uzgl7070 2 года назад

What they’ve been saying here about BadkhenCorp is all absolutely true , thanks to these guys I don’t have to depend on anyone anymore , my life has changed for the better , I got all my bills and mrtgage instantly cleared off and it only took them 3 days , it’s the beginning of something wonderful

@writeramitabhaneilrayofusa6037 2 года назад

Very very nicely explained.... I couldn't agree more.... Thanks

@govindsgallery6440 Год назад

Excellent video sir. You have totally changed my view.

@jessyk2579 3 года назад

We made a mistake of building our own house by taking loan. Now, we are suffering, all our income goes to loans. We are living like poor people now. It's been 11 years, and we are still struggling to clear debts and pay loans. My advice to you all:- don't take loans, don't use credit cards.

@vj1264 3 года назад

But the advantage of building your own house is that you can add more floors and rent them out...you can even sell them as a separate unit if you wish..

@aliamjad5309 2 года назад

Awesome explanation. Love you sir

@sagardhuri5510 2 года назад

This information is absolutely right for me . Thanks.

@AbhishekShrivastava777 3 года назад

Pehle mera khudka ghar tha 😎 Ye video dekhkr bech dia or rent par rehne lga 😅 Or ab me road par aagya hu 😭

@ruthujapatil1397 3 года назад

#sarcasm on point

@MBA_King 3 года назад

@@ruthujapatil1397 😍

@Kumud6395 3 года назад

Can't stop laughing

@mathsbyhimanshu6788 3 года назад

Chutiya h ye... Yu hi youtber bn jate h

@mathsbyhimanshu6788 3 года назад

Yaha pados me 40 lakh ka ghr h... 32000 rs per month rent ata h...1 year rent 3,84,000 hua 10 year rent 3800000 hua or 2 month add krde... Ghr bn gya

@sreenicam 3 года назад

Buying a house to "live in" is a liability because it takes money out of your account. Buying a house to "rent it out" is an asset because it brings money into your account. Better yet, do house hacking. Buy such a house where you can live in a portion of it and also rent out the rest of the house to offset your expense. Make sure the numbers work in your favor

@sarabnadeem8500 3 года назад

Brother, you got the point👍. 💯% agree with you

@FabSia 3 года назад

That's from the book, Rich Dad Poor Dad

@satadrubiswas2461 3 года назад

Thank you - it is a great insight!

@sreenicam 3 года назад

@aena There are two kind of assets. Income producing and Value appreciating. House you live in does not produce income. Value appreciates for sure. But then you have expenses for upkeep also. Then mortgage interest you pay. At the end, when you sell ... You'll have to buy something else as you cannot live on the streets 🙂. If for some reason you don't buy another after selling, you'll pay capital gains tax. That's why the house you live in is not generally considered an asset. Best is to buy and rent. House you live in is just for our satisfaction and a social necessity

@akshayrb8410 Год назад

Thanks, you helped me to make my decision

@Singh_Finland 2 года назад

Wise calculations sir . Thank you

@vishakhathakral8860 3 года назад

We need an excel sheet!

@manthanchaudhary4427 3 года назад

We need excel sheet

@bullishstocks6979 3 года назад

Vishakha thakral I saw your video you look beautiful

@thepersonbehindelonmusksuc1634 3 года назад

@@bullishstocks6979 eeww get of the internet u pervert

@harrystyles7517 3 года назад

@@bullishstocks6979 SIMP

@warikoo 3 года назад

drive.google.com/file/d/1uEj-_nHm-aGPWwa0zvH55Yv7sijWASYh/view?usp=sharing

@mikeravenbridge6355 2 года назад

The way this team below ⬇️ handled my investment project showed resilience, experience, Knowledge, and critical thinking. I would love to get his perspective on our next project .

@urple5005 2 года назад

You only have to check them out and thank me later at BadKhenCorpCom on google

@jayantchandela254 Год назад

Rents going beyond roof even for a 2bhk worth of 75lakh. 18k per month. That’s where I’m stuck between investing or continue paying rent which could be almost similar to Emi, obviously at added cost of down payment and maintenance etc. as you said. But will be spending in my own house which down the line will be my own. But again being in IT you need to switch cities and cannot leverage to live in your own house and still ending up paying rent wherever you switch to. I’m stuck as always to make that decision yet.

@AmitSharma-tp7jy Год назад

I feel...Still, you should buy it if you can.

@parthapratimray895 Год назад

In that case nobody will buy, no new construction and one day people will start living under the tree.

@naveenasmiley7794 2 года назад

Thanks for the video!

@ElectricityMarketInIndia 3 года назад

I am 35 and have seen my friends burdened with home loans...not 1 some has 2....they are always in tension and forgot to laugh...some of my friends travel 3 hours one side from Noida Extension to Gurgaon, just because they have bought a flat in Noida Extension...its a ridiculous decision at early stage especially if you are a salaried class.......Be light..be flexible....at 35+ i am now thinking of buying a flat based on my next job location....and truly speaking a 2 BHK EMI doesn't look big at this stage of life...Excellent Video

@user-nt3dn4lk9y 3 года назад

salary ??

@user-nt3dn4lk9y 3 года назад

@aena worth it

@user-nt3dn4lk9y 3 года назад

@aena u have to do any degree course in canda and government will gives u 2 year or work permit and then if companies needed u then u can apply for extra work permit and then pr

@rajunagial3883 Год назад

Wonderful Information.. thanks 🌹👌

@ripon9 2 года назад

I completely agree with the rational provided, I too purchased my first house when I was around 35 but prior to that I lived a very flexible life, travelled around the world for work, moved from one city to another without any challenge

@jinaprasadjain 3 года назад

I still remember throwing Kotak CREDIT CARD to dustbin with the same mindset.... I'm completely satisfied....

@mixingitup7653 3 года назад

What I understood from this video : Have multiple investments that can afford your Emi. Then buy a house.

@sherlockholmes882 3 года назад

Yes, good way of looking into it.

@sauravdas5757 3 года назад

Exactly my point bro. Have passive income sources.

@sarathpillai6338 3 года назад

Yes

@vid.fun.zozoneoffunlearnin1414 2 года назад

Well described sir 🙏🏻🙏🏻🙏🏻🙏🏻Thanks a lot.

@praveenavg1954 Год назад

GOOD ANALYSIS & GREAT INFORMATION SHARED IN THIS VIDEO...

@akashanand1384 3 года назад

Actually, we were planning to buy a house, but, the process got delayed due to the pandemic. I will surely try to find out the rental yield and please prepare an excel sheet so that I can have a better insight into this conundrum.

@Cxsiva 3 года назад

Aaj tak Aisha video Zindagi mein kabhi Nehin Dekha Tha 🙏❤️🙏🙏Teacher Mein hamesha apko mein mera guru manata Hun 🙏❤️ teacher

@navratansingh333 2 года назад

Very good advice.. Thanks 👍

@arunkumarpg8555 2 года назад

Amazing explanation. superb .

@virendoshi835 3 года назад

07:00 Only Rs.55000 for a 3000 sq. ft house 😱 In Mumbai, it's almost Rs. 60,000 rent for a 600 sq.ft house (in normal locality, not posh area)

@Rreynu 3 года назад

It’s not about what to choose but about “when” to choose. Amazing video indeed helpful n thought provoking, thank you for your insights.

@himanshurai8817 Год назад

GREAT SIR, GOOD ADVISE

@kumarbeniwal650 Год назад

Very Good Information sir...Thanks

@alrightymedia 3 года назад

Depends on the cost of the house, really some people opt to pay 15000 EMI than the same amount of rent, atleast with EMI the house is yours.

@ashishjha7361 3 года назад

In the starting of the video he said it to look objectively from a financial standpoint. If you are happy with the opportunity cost, then it's cool to have your own house.

@ashishjha7361 3 года назад

And the other thing about freedom to move is important, when young, it's very tough to map out your distant future. Better remain flexible and invest in other mediums and buy a house maybe around 40 years of age.

@alrightymedia 3 года назад

@@ashishjha7361 i can always rent that house and move the money, I am 27 and I have done that so speaking with an experience

@ibrahimshaikh6728 3 года назад

@@alrightymedia right👌👌👌

@dr.pranotisphysiolounge9810 3 года назад

Exactly

@jomsysamthomas 3 года назад

I can see the passion that you've... I wish you started this channel 7years ago. Never late too start with financially sound decisions. Cheers!

@user-sf7du9tt2m Год назад

Amazingly explained sir

@owaishassan8660 2 года назад

Clearly explained thank you sir

@mr_mannvaishnav 3 года назад

Amazingly explained 🔥🔥🔥

@tariquechoudhary334 3 года назад

Big fan sir

@sbk5350 Год назад

Amazing explained from nepal

@RaghavendraM 3 года назад

It's not convincing, I'm living in Bangalore City where rent will be increasing every year , but we will not get much increment in salary every year. EMI will be same every year. In 20 years our house will be ours permanently. And the value of house also appreciated. Paying EMI is like pay little huge rent. Say we went on bankruptcy in 10 years we can sell the house and be in rented house and invest access amount if any.

@ameymaldikar5586 3 года назад

I partially agree with you.. but real estate rates are not appreciating same way as it used to.. you will have to wait for good time to sell.. I liked conclusion of this video because he is not saying, never buy a house, but buy it at correct age. And enjoy financial independence & flexibility till that time..

@RaghavendraM 3 года назад

@@ameymaldikar5586 anyway don't know much about real estate. In metro cities people usually plan to buy a flat that is actually waste, the building will have 100 years of life and as it getting old it will definitely not appreciate. We should plan to buy a site or construct a house in hometown. That will surely appreciate and in retirement we can stay happily in hometown. Offcours everyone will not think like that. Just of my thoughts.

@prashanthprabhu5495 3 года назад

We should also think about saving.of income tax. Interest exempted up to 2.5 lacs and emi up to 1.50 lacs. After 20 years house will be ours. We need one house as security for taking some loan for kids like education loan. So better buy asap

@anujdatta16 3 года назад

If anyone went bankrupt, he/she won't be able to sell that house as it would be mortgaged to bank, only bank can sell it, and god knows what kind of price will that fetch, (in most of the cases far less than market value) P.S I don't agree with not buying own property

@pandasurajify 3 года назад

Yes this calculation doesn't fit for Bangalore. Rental yeild is very high in banglore

@parthshahani1041 Год назад

So wisely and practically you guide ✨

@paraux9936 2 года назад

Great video. Thanks 👍

@SuperHimanshu100 3 года назад

This is a timeless video. It'll continue to stay equally relevant,if not more for next few decades. Thank you for making it.

@mayank10007 3 года назад

I bought a house last month and took 15 years of loan… I think the same way you are telling in this video but in my case I was giving the same rent equal to my monthly Emi.. I believe I did a right thing..

@soorajjp1847 3 года назад

if EMI is less then loan tenure may be long and you will end up paying more interest

@Abhisheko24 3 года назад

@@soorajjp1847 So what? At the end his home will be HIS home..right? And if he had paid same money in rents.. he wud still be houseless and paying rents somewhere even after 15 years. Wise decision in my view.

@soorajjp1847 3 года назад

@@Abhisheko24 Instead of paying emi for a long term, if u rent a home and if u invest the down payment + loan interest as sip ur return will be more than the value of the house in long term

@soorajjp1847 3 года назад

@@Abhisheko24 u can use the excel sheet to calculate the returns.

@Abhisheko24 3 года назад

@@soorajjp1847 i know bro.. returns on investment in mutual or equity r good. But returns r also good in real estate. A house bought worth Rs. 50 lakhs will not b of 50 lakhs after 15 years or so. Also, ur future generations will not have to go through what u went through. They will have an asset as well.

@amulyabarua1038 2 года назад

Thankyou sir for your great advice ❣️❣️

@vijaymishra880 2 года назад

Thanks a lot for clearing my doubt

@abhibhalla92 3 года назад

Buying a house on loan is like paying the rent to the bank(owner) but the difference is at the end of the tenure the bank transfers this house on ur name while the landlord kicks u out without anything😂😂

@smartwork7098 3 года назад

At least the rent is lower than the interest

@abhibhalla92 3 года назад

@@smartwork7098 depends and donot discount brokerage fees,shifting costs

@wizarddon 3 года назад

@@smartwork7098 that's when you depend on only one income and pay the emi for 20 years .. if buying a home pay the loan amount in 10 years

@rohanrocker1 3 года назад

Thanks Ankur, I was about to buy a new house in this week at the age of 29 on a loan. I was pretty emotional when I saw that beatiful flat. I was trying hard to collect the cash for down payments and my almost 70 +℅ of my salary would have been going to deduct every month. But then this video turns my mind. You saved my life..

@mks6168 Год назад

Thanks, Sir, This was an eye opener.

@saachiraut9610 2 года назад

Huge respect sir!! Youths really need you. Thank you for such a different perspective.

@AJK666007 3 года назад

This cleared a lot of my doubts that I was having for the last few months. Thanks Ankur, great video ;)

@LifestyleWithShyam 3 года назад

you speak like a dad who really cares about their child. you are my 2021s best find Ankur sir. much respect towards you sir.

@rituchopra2508 Год назад

Thank you sir for such an informative video

@Life_WithNiha 2 года назад

Very Informative sir! Appreciate your efforts you have put in making this video.

@PankajKumar-mr6sj 3 года назад

You are a very sweet person Sir, I' m on my holiday for Holi...came across your channel..the content is very very good ..keep it up 👍👍

@20prj 3 года назад

You didn't calculate the home appreciation value. Usually a good investment home doubles in 7 years.

@tradeninja3282 3 года назад

You can double that amount in stock easily

@surekhanayak1364 3 года назад

@@tradeninja3282 but it's risky also

@tradeninja3282 3 года назад

@@surekhanayak1364 for home isn't it that risky. There is risk in terms of locality, environment and other factors

@avishekkashyap1421 3 года назад

Bought a house for 20Lakhs .. now it's 1.98crore! 💞

@Vickyrd7936 3 года назад

@@surekhanayak1364 risk hai toh ishq hai (from Scam 1992 - web series)

@pritamsalekar4715 2 года назад

Sir, i agree. I knew it but explain it more easy and clearly. Its great video.

@imohitgoel 2 года назад

Wow! Watching this after an year but how Nicely you explained…

@rajeshkumarj1238 3 года назад

May be I am watching this late but the information was wow! As you said in the end, you were 39 when you bought your house . I think this would be right time for me too to buy a house as am 37 now with kids and all. Thank you Ankur for making the non-financial person like me to understand concepts. You rock Man!

@bhushanjadhav6578 3 года назад

Though I am 17 and just studying,here to learn outstanding communication skills from warikoo sir💥❤️

@jagdishsura2781 2 года назад

Thank you sir. Aapne bhaut badi problem solve kar di.

@isthifahsathar2192 2 года назад

Thankyou very much this was one of the vedeo that changed my mind completely

@shreyassakpal8805 3 года назад

Great explanation sir, not here to contradict your opinion but I feel there may be a few of the downsides: 1. We've to keep on updating our Aadhar card, Pan card, Electricity bill address, stc whenever we shift from one place to another. 2. It's not mandatory that we stay there for 4-5 years the householder can give us a 1-month prior notice to vacant the flat so simultaneously finding a new home becomes a challenge especially during covid crisis. Ps. Your rental yield concept was too good to clear our vision whilst buying or renting.

@manassn1281 3 года назад

Sir, this was an exceptional video. I would have appreciated more it if the cost of buying the house was calculated for the appreciation yield of the real estate price increase over the years vs rent over the years. Say calculating rent vs EMI for a home loan payment with inflation-adjusted would be an excellent comparison and true value for the topic. Sir, I hope I was right. I am still a young fellow.

@deepaksingh4u Год назад

I agree

@domniccolvin5380 2 года назад

Thank you so much and keep it up.

@amitsutar7221 2 года назад

Thank you so much sir. I'm 22 yrs old persuing a profession & I was just discussing about this with my mother. I was confused a bit whether to start saving for house to live in city and she told me exactly same thing that there'll be time to buy house & today I found this video. It helped a lot sir. thanks 🙏

@prakashshelar1969 2 года назад

Sir. Nice hearing your comments on buying house and rental house I also appreciate the factors u have considered while explaining the calculation . Still I strongly think that there are so many other factors to be considered while arriving at the renting a house or buying the house. Do u agree with me. Ultimately I would rather say in all the explanations provided by you are useful and applicable subject to the situation , time, conditions wtc.u have considered. Thanks.

@beatrixkiddo8330 3 года назад

One of the most sensible videos on this subject (and speaker of course). Thank you Ankur :)

@shwetaramanathan5650 2 года назад

A very interesting video thanks for the enlightenment :)

@nishonbanz1998 10 месяцев назад

This video definitely changed my whole mindset and thought process! Thank you so much this is definitely going to help me in life ❤ I was about to make a moov of buying a house within 4-6 months and I feel so blessed to come across this video and calculation! ✨

@beingsensible4962 2 года назад

I learnt this at 36 which I tried explaining but nobody understood, emotions took over and I lost. This is very well explained + issues of society + maintenance + what all you explained. Hope the youth understands and invests smartly

@niralaakanv9377 2 года назад

There is a difference between investing in tangible assets like Gold and Real estate vs investing in in tangible assets like Stocks, bonds and bitcoin. It is up to the people who invest in these two. I prefer tangible assets because I don't trust intangible assets which are rigged by big wigs to favor them like Reliance and other business folks. The idea that share market will continue to go up in absurd because when it falls in a cycle all the invested money vaporizes instantly and will take decades to recover. At least tangible assets like Gold hedges against inflation and soars in value during economical downturn and real estate can have some use with its space. Never in history tangible assets lost its value so much compared to intangible assets. Please don't take these Internet gurus seriously who themselves contradict by their action rather read the history and choose your path to invest.