Home Loan Hidden Charges - Hindi

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15 Home Loan Hidden Charges other than interest rate charges- Explained in Hindi. Additional Charges like Home Loan Processing Fee, Transfer Charges, Prepayment or Foreclosure charges, Conversion Charges, Switching Fee, Legal Charges, Valuation Charges, Home Loan Insurance, Late Payment Charges, List of Documents, Cheque Bounce or ECS Return etc.
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You will face these charges when you take home loan from any bank - SBI, HDFC, ICICI, PNB, Axis Bank etc. or through any NBFC like DHFL, Bajaj Finance, Indiabulls etc.
होम लोन इंटरेस्ट रेट्स के अलावा भी 15 हिडन चार्जेज़ होते हैं। होम लोन प्रोसेसिंग फीस, ट्रांसफर चार्जेज़, प्रीपेमेंट या फोरक्लोज़र चार्जेज़, कन्वर्ज़न चार्जेज़, स्विचिंग फीस, लीगल चार्जेज़, वैल्यूएशन चार्जेज़, होम लोन इन्स्योरेन्स, लेट पेमेंट चार्जेज़, लिस्ट ऑफ़ डाक्यूमेंट्स, चेक बाउंस या ईसीएस रिटर्न आदि जैसे अतिरिक्त शुल्क बैंक द्वारा लिए जाते हैं।
आपको इन हिडन चार्जेज का सामना तब करना होगा जब आप किसी बैंक से होम लोन लेते हैं, जैसे - SBI, HDFC, ICICI, PNB, Axis Bank आदि। या फिर आप किसी NBFC से से होम लोन लेते हैं जैसे - DHFL, Bajaj Finance, Indiabulls आदि।
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In this video, we have explained:
What are hidden charges of a home loan?
How to negotiate or eliminate the hidden charges of home loan?
What are major home loan charges?
How to negotiate home loan processing charges?
What other charges bank apply to home loan apart from home loan interest rates?
How bank charges for home loan transfer?
When does bank take prepayment charges?
What is prepayment penalty for a home loan?
How much bank charges for property valuation?
What is home loan insurance?
How does bank charge late payment charges, EMI bounce charges, cheque bounce and ECS return charges?
What are home loan hidden charges when you take the loan from a bank?
What are home loan hidden charges when you take a home loan from NBFC?
What additional charges are applicable to home loans?
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Hope you liked this video in Hindi on “Home Loan Hidden Charges”.

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Опубликовано:

17 апр 2018

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Комментарии : 324

@AssetYogi 10 месяцев назад

Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/

@shreyasharma1580 3 года назад

Great video! Thanks for providing so much info in short... I think you missed IGR & Cersai charges.

@BJPaladiya 5 лет назад

sir aapke kmse km 5-7 video me meri watch list me rkhta hi hu.. 2-3 din me vo dekh leta hu tb tk dusre 5-7 usme add ho hi jate he.... aap ke free me gyan ke liye bahot bahot shukriya🙏🏻🙏🏻🙏🏻🙏🏻

@AI-Techies. 4 года назад

Sir,I have been watching most of the your posted property related videos,good and brief info.I need a suggestion as well on Built up property Charges on Purchase or Transfer as Gift..

@joetravasso1482 6 лет назад

Sir vey educated. Thanks for expanding the knowledge.

@AssetYogi 6 лет назад

I am happy that it helped you 😊

@kalannapanchal8006 5 лет назад

Sir App Sub clearly Bathate Ho, Really All Videos Good experience, detha, Our Sir Shere Markets Mutual fonds, kha Bharem Bhatado, Hambi Sekthe Hayna 😎👍🏻

@SanjayKumar-ci2dn 4 года назад

Sir, can you please tell me when processing fee is charged ? Before approval of loan or after approval ?

@rajudey5052 2 года назад

Lots of knowledge as usual thanks mukul da

@PankajKumar-sk2kv 5 лет назад

Dear sir, Plz make videoes on how to analysis ITR & its components to detect one's Gross income, Net income etc. How to deal with Depriciation, Agr. Income, profit & remun of partner etc. Same thing with GST etc TDS , NBFC, Foreing & Internal big investors etc.

@MultiVishal99 5 лет назад

Awesome video.. thanks again sir

@srabontiparui1876 7 месяцев назад

I like and watch your channel regular basis and till now I found it's very informative thank you for all this info.....I have one question recently I bought my new home now i wanted to know is one time property insurance is mandatory while opting new home loan.

@Sid-sl3xk 5 лет назад

Truely an eye opener video...superb

@manojgijoliaofficial1403 6 лет назад

Sir please make a video on cancellation of home loan ..and how much charges we have to pay for that ?

@GhulaamAlei 6 лет назад

Thanks Mate !

@dilmayarana6894 2 года назад

Usefull information, thankyou so much 🌺🙏

@AssetYogi 2 года назад

Most welcome 😊

@nadeemqureshi8345 4 года назад

Thank you brother. Very useful n informative

@AssetYogi 4 года назад

Thanks Nadeem :)

@mervinr.d.2916 3 года назад

Hi, do you have a video which explains what is Retail Prime lending rate? (currently HDFC shows as 16.20%)

@gurdarshansinghsodhi5570 3 года назад

My dear you should transfer your loan interest paying system to repo link lending rate because nowadays repo rate is 4% and you can save enough money in interest.

@royfinserv-dipakroy6279 4 года назад

Pls tell me land owner's documents available after getting possession of flat...in land owner allocation.

@truthoflife4378 4 года назад

Great knowledge you have keep it up 👍

@AssetYogi 4 года назад

Thanks Abhinav

@msktravel 5 лет назад

Bhai ... Useful information especially who are looking for home loan

@AssetYogi 5 лет назад

Thank you for appreciation Sikander 😊

@abhiwizard 6 лет назад

Sir, in Telangana State the MODT stamp duty is 0.5%of the loan amount. If I am not wrong , it varies from one state to another.

@himanshuchhetri3714 Месяц назад

Thank you so much for the valuable information, Really appreciate it.

@babulalchoudhary4328 6 дней назад

Best video for home loan purpose

@Rakesh_infomative 2 года назад

Thanks a lot sir for full detailed information, love your all content 👍🙂

@AssetYogi 2 года назад

Thanks Rakesh.

@manishsubhash201 3 года назад

Can you make a video about Refinancing home loans?

@join2pavan 3 года назад

Best voice and very useful sir. NBFC and PMAY ka bhi banaye sir

@psdhere 2 года назад

Thanks for such informative videos.

@AssetYogi 2 года назад

My pleasure

@Palash-Jain 6 лет назад

Hey, Your videos are so helpful to unlock various things about the home loan. I have one question can you please create a video specific to choose the best bank for a home loan? and what should we remember when we deal with bank?

@AssetYogi 6 лет назад

Sure. Will try to do that

@Nayan_Roy 2 года назад

Still waiting for it.

@ARPIT-gm3lw 10 месяцев назад

@@Nayan_Roy😂

@ranjit7858 6 лет назад

Sir DHFL or Axis bank Home loan up to 15 lakh which is best, yeh construction plot k uper karni hai jo already buy kiya hai.

@sniperalpha1732 4 года назад

Thank u sir very use full inforemation

@AssetYogi 4 года назад

Keep learning

@amitdiwaanshah7554 6 лет назад

Thanks again.. Mukul

@AssetYogi 6 лет назад

Welcome 😊

@HarmanHundal01 10 месяцев назад

Summary * Processing fee. 0.25 to 1% of loan amount. Negotiate for minimum processing fee * Legal and Technical due diligence: Lump sum fee to check property documents, site inspection and valuation * MODT charges: 0.1 to 0.2% of home loan amount * Home loan insurance. Is not mandatory. * Prepayment or foreclosure charges. 2-3% prepayment penalty if it is a fixed interest loan or you are transferring loan to another bank. * Conversion charges. * Switching fee. To move from fixed to floating interest rate loan or vice versa * Changing loan tenure. Fixed fee 1000 rupees

@yoyohanusingh4773 5 лет назад

What is the different btn floating and fixed interest rate,kindly guide us....

@mp-fg2zw 3 года назад

thank you for the video sir.

@AssetYogi 3 года назад

Keep learning 😊

@my4evervideos 4 года назад

Is LIC a better OPTION for home loan against Banks like SBI, ICICI, HDFC?

@shuvoofficial6342 3 года назад

Always

@latadewangan2782 Год назад

Sir home loan kon se bank ya finance company se le iska comparison vedio banaiye current wala🙏🙏🙏

@akshaykulshreshtha3935 6 лет назад

Sir kya home loan ka pre payment karne par emi kam hoti h? yaa time kam hota h? Yaa customer ki marji par depend hota h?

@pyrocist 5 лет назад

Eye opener for new loan applying individual.. like me 😝

@aniketroy8148 Год назад

Sir ,do we need to pay any GST on interest part of home loan ?? Please let us know 🙏

@chandusr1 Год назад

Thanks you so much. It was very helpful.

@AssetYogi Год назад

Glad it helped!

@sreedharmateja2255 4 месяца назад

3rd point MODT charges.. Should I pay to government or bank.? What is mortgage creation charges.?

@karjuyinyo4723 3 года назад

Very informative

@anizer27 6 лет назад

Valuer kase valuation krte hai plot ya house ke...kis basis pe

@kashifaziz7905 2 года назад

Very informative...thank you so much :)

@AssetYogi 2 года назад

Thanks Kashif.

@worrior8683 3 года назад

Good improvement. Keep it up

@priyankaupadhyayjoshi2164 5 лет назад

Awesome video bro. Already subscribed u

@AssetYogi 5 лет назад

Thank you 😊

@tlp012-singhshubham2 4 месяца назад

I am also from home loans department i want to add something extra here about charges 1) kisis reason se kuch issue hota hai property me to TSR ka extra kharcha ho dakta hai . 2) resale me buy karoge to draft agreement and society ke kuch transfer fees extra ho sakta hai 3) register mortgage agar bank bolta hai kisi tarah se karne ko to uska 2 percent loan amount ka extra charges pakad lo.

@sahajkunjam3182 Год назад

All video ultimate and very easy for everyone

@AssetYogi Год назад

Thanks Sahaj.

@almas0708 28 дней назад

Very useful sir

@Yadav.Akinator Год назад

Very informative video , thank you so much sir ....

@AssetYogi Год назад

Most welcome

@hirenkumarpatel1590 5 лет назад

SBI term plan is government or not? Is there any term plan offer by government of India?

@ismailshaikh6403 4 года назад

Balance transfer me existing Bank charges lagata hai kya? Aur kitna.

@balraj5877 5 лет назад

Sir pre emi why they cutting for 3 months ...initially

@sweethome8735 5 лет назад

Sir kya intrest rate mai barganing kar sakte hai bank se ya wo fix rahata hai

@milanlow593 3 года назад

Very helpful...

@AssetYogi 3 года назад

Glad to hear that 😊

@arvindk451 6 лет назад

Different types of home loans - especially overdraft, etc

@kaazikumar6086 5 лет назад

Pls sir tell me home loan liya h to cheque kis tym milata h home ki registry vale din same day ya baad m

@amitkumarkhatkar7307 4 года назад

Very nice and important information sir thank you very much sir

@AssetYogi 4 года назад

Keep learning

@suneelrajpal6612 4 года назад

वैसे तो यू ट्यूब पर बहुत से लोग फाइनेंशियल नॉलेज दे रहे हैं।पर जैसा कोई नही।मैं अब सिर्फ आपके वीडियो देखता हूं।

@AssetYogi 4 года назад

Thanks for appreciation , Keep supporting :)

@harsh2945 4 года назад

@@AssetYogi u r d best ! Sincerity and hardwork is on your face ! Sir do you invest on behalf of clients in real life ? M working professional in Mumbai.. please please let me know..

@hiteshsonar1862 Год назад

sir MODT me stamp duty or registration charges dono hota he kya? Uske baad Notice of intimation bhi karna padta he kya???

@manishsarkar4435 4 года назад

Please make a video on prepayemt. In detail...

@mangeshhanumante9337 6 лет назад

Which bank is best for home loan?

@kashifsayyed1860 2 года назад

Thank you sir your video was very Informative ❤️ keep going

@AssetYogi 2 года назад

Most welcome

@manjusikka5218 2 года назад

Lone ke sath insorensh keyse kare

@AmitVerma-vl8dz 6 месяцев назад

sir notice of intimation filing regarding loan karne ka fees bhi major charges hi

@ramdaswaghmare00 4 года назад

Valuation charges के बारे मे सर बताये Bank of India

@jayeshdevare4032 5 лет назад

Sir home loan lete time other than Processing fees.. 10 stamp pepar 10 bond pepar Frankien charges loan agreement notice of intimation ye sab charge bhi hote he kya?

@kamleshlal2745 2 года назад

Thank you for such good video

@AssetYogi 2 года назад

It's my pleasure

@Rocckkeeyy1 4 года назад

Could you please clear if all these charges are taken by SBI or not. What is the major difference for taking loan from SBI rather than HDFC

@rakeshsahu588 4 года назад

Please make a video about Part Period Interest (PPI) in Home Loan.

@AssetYogi 4 года назад

Please make a video about Part Period Interest (PPI) in Home Loan.

@tusharmali5651 7 месяцев назад

Please cover NOI charges on home loan, is it mandatory?

@shahanawazshaikh2330 5 лет назад

Sir how to expand service/field service network pe video banaiye plsss

@AssetYogi 5 лет назад

Topic noted for future videos.

@azimshaikh1225 4 года назад

Good information

@aruneshsingh4047 3 года назад

Valuation charges are mandatory or not ?

@TheJivraj 5 лет назад

Dear sir Maine 1940000₹ ka Lon liyahe jisme muzhe compalsory 60000 ka insurance diyahe aur primum ki receipt 5 saal tak ki 9500 ki he uske liye kya karna chahiye

@kkvoice-pt9es 3 года назад

Valuable information

@AssetYogi 3 года назад

Thanks

@MrRoheb 5 лет назад

Sir please make a viedo on Rulra Area property

@patilsandip6820 3 года назад

Franking ke uper bhi ek video banaye

@tgraokundana5906 2 года назад

Add video on pure home loan for house construction and for renovation purpose home loan

@royalone. 3 года назад

Sir very informative video

@AssetYogi 3 года назад

Keep watching

@manishsarapdadia5861 2 года назад

Good information 👍👍👍

@AssetYogi 2 года назад

Thanks

@SonuGupta-sv2wi 5 лет назад

Sir floating interest loan pe rate of interest high hone paar Kitna amount high ho Sakta hai loan amount 1692000 hai dhfl se liya hai unhonee 14 emi extra Kar Diya hai kya Karo dusre bank me try Karo transfer ke liya

@keshaoraowasnik9429 6 лет назад

please explain about commitment charges

@AssetYogi 6 лет назад

Sure, topic noted.

@sparkijonas 5 лет назад

Hi i have a small question about this, I have a business running with all documents in place including my computation of income and returns, But i don't have any Co-Applicant and i am also not married so can i apply for a new home loan ?

@krishnagupta-pw3nr 5 лет назад

In Punjab&sind bank one branch is taking inspection charges and other branch is not.kindly guide

@manish281981 6 лет назад

thanks sir

@Nilesh1987100 3 года назад

Sir.....Nic information and thanku 👌👌👌👌👌👌

@AssetYogi 3 года назад

Thanks 😊

@sachinpe5726 5 лет назад

Sir home loans preclouser me amount edena pata hai

@jigneshthakkar5252 6 лет назад

Thank u

@AssetYogi 6 лет назад

Hope it helps.

@politicsinsane Год назад

sir can u tell me capri global bank is good for taking loan is it authorised bank

@Infobyhdk 2 года назад

Hi We had taken home loan from Bajaj,while transferring the HL from Bajaj to any other bank,bajaj is saying that we will debit ur PMAY subsidy that is 2.68L. When we asked regarding the reason,they are saying that u can not transfer the HL if construction is not completed within 36 months. Currently property is in under construction. So can u pls make video on this? Is it true that we can not transfer the HL within 36 months?