Home Loan | Home Loan Best Way Of Repayment

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About This Video :
in this video we have discussed of home loan and mainly of sbi home loan.in this video we have also mainly focused on how a customer can repay its long 30 years home loan in just 10 years or in 15 years.
Customer can follow the process of 12+1 EMI every year and by doing this customer can close his home loan very early.
also the home loan full process is explained in this video, we also have discussed home loan interest rates in the video apart from best bank for home loan
Today sbi home loan is one of the best home loan in market and sbi also have the largest home loan customer base.
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Опубликовано:

14 окт 2024

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Комментарии : 384

@z.rsheikh6080 2 месяца назад

Sir itna acche se aap samjha te ho ke mere kitne kam aapke vedio dekh k asan ho jate he ..good job sir👍

@amitkanjilal1158 Месяц назад

Life does not go according to calculators, practically it is always better to take loan with maximum tenure offered by the bank. Whenever there is excess money we can partly pay the home loan principal and reduce the tenure according to our wish. Alternatively we can reduce the emi and invest the excess money in MF which can fetch better return than home loan interest rate.

@AshishKale-y5w Месяц назад

Yes

@prajwalwaingankar3636 Месяц назад

Real business man brother! true. This way we can finish off our loan in no time.

@bipinkumarrout4269 День назад

Yes, in fact you explained the secrecy of bank EMI. Good techniques to save money.

@Anilkumar-mr6ff 2 месяца назад

thank you sir for using simple language without using tough terms and best video

@XYAxisEducation 2 месяца назад

Most welcome

@ashishJeph-u3g 2 месяца назад

Sir sbi vs lic term insurance ka bhi video bano

@akhilslonely5005 Месяц назад

Hello, we also have conditions on prepayments from bank. Example: Customer is not allowed to make prepayment for 1st year... if you have any other such conditions on fluctuating interest rate and prepayments, prepare a video explaining those T&C.

@ShubhamPande-w1c 4 дня назад

Can you also explain how banks come at the EMI amount? And how is sanctioned amount EMI is different from disbursement amount EMI?

@RebelliousBahu Месяц назад

Ap jo bol rhe ho 20 saal k liye lo to usse dircetly apka loan amount eligibility kam ho jayega ....so best suggestion take it for max tenure but pay the extra premium to payoff it early

@sunilpawar4612 29 дней назад

yes 100% I agree

@BalramPatelTech 2 месяца назад

Sir ek commercial vehicle loan pe bhi video bnaiye Mera truck ka business hai 45 lakh ka 5 sal ke liye isko kaise mea jaldi khatam kr saku❤❤

@avinashinvestmentacademy9228 2 месяца назад

एक्स्ट्रा emi पे करणे से पहले बँक को बताना पडता है या direct extra emi pay करणे का

@BSFBOYJAY Месяц назад

Koi jarurat nhi he batane ki .

@sunnysingh3302 Месяц назад

Best video for home loan information. Does bank charge separately interest as well every month on home loan amount along with emi instalments?

@AdvaitInspired 2 месяца назад

Best video to understand, pre repayment of loan

@pankajaswal8437 2 месяца назад

प्रत्येक ईएमआई पर एक्स्ट्रा पेमेंट करने पर भी इंटरेस्ट कम होता है क्या उदाहरण के लिए मैं15000 किस्त होने पर मैं 20000 पेड़ करता हूं तो क्या इंटरेस्ट कम होगा

@kaisarkhan-pd4nr 26 дней назад

Ha principal amount se 5000 kam ho jayega bache huye principal par next EMI interest lagega

@rajeev4509 12 дней назад

Nice👍 video Bank vale to batte nhi hai ye sab baat

@Abhisheksinghoney 2 месяца назад

Apka concept and logic acha hai,but plz btaiye ki ye part payment karein kaise, kyuki EMI to auto debit hoti hai,jitna amount set hota hai, ab hame part payment krni ho to kaise kare, suppose 1000 ki emi hai to account se 1000 hi debit honge, jo extra hum dena chahte hai wo kaise karein.?

@HimanshuGupta-rg2qr 28 дней назад

Aapko ek loan account number assigned hoga. Jaise aap kisi bhi aur account me paise transfer krte hain same way se iss loan account me using it's number kr skte hain

@prajwalbharambe1103 13 дней назад

What about the principal amount when any private company default, bank default or bond default ?

@Police_entertainment_team Месяц назад

12 + 2 concept tho teek hai.... Par kya hum kisi b mahine ko part payment kar sakte hain

@AnoopKumar-qg1qc 2 месяца назад

Kya Adhar Housing Finance me Additional ya Part payment kr sakte h, Like 12+1 or 12+2. Ya fir year basis 2-3 laks payment krne pe Principal me benefit milega..??

@ShivrajVashishtha-pr4lv 2 месяца назад

Nice information Sir .... 12 किस्त के बाद हम जो साल के अंत में एक extra emi देगें तो क्या हम यही pattern every six month में भी कर सकते हैं या फिर ये साल के अंत वाला ही rule है ।

@Ankit-lw5oo 2 месяца назад

Apka mann hai to har mahine 2 emi dedo…jo bhi aap extra paisa doge emi se upar…wo paisa sidha principal me se kam hota hai

@ShivrajVashishtha-pr4lv 2 месяца назад

@@Ankit-lw5oo okay sir

@ShivrajVashishtha-pr4lv 2 месяца назад

@@Ankit-lw5oo okay Sir

@ahmadrehanz 2 месяца назад

Thanks for the information. But what is the ill effect agar zaida baar Kia to ..like 1-2 times extra payment per month apart from emi @@Ankit-lw5oo

@santoshshetty4619 19 дней назад

Nice information, i will definatly going to follow this concept (2nd once part payment option) and i have one doubt whether all the banks allowing this part payment option? or we need to check with back before borrowing!

@tanushjhawar5297 7 дней назад

It allows

@GurpreetSingh-lf6wm 2 месяца назад

Simple jis di emi ha due od din kitna loan pending ha os pe int calculate hota ha . Aur jo bhi extra payment ha wo sida principal ko minus karti ha

@ChamkaurSingh-f7r 13 дней назад

Sir bahut asha lga apka video dekh kar

@56HollywoodBollywood56 Месяц назад

Sir , Apna Khud ka Personal Home 🏠 hai. Matlab Khud ki Personal Property hai . Or Property , 20 Lacs , ki hai. Or Hum 10 Years ki liye Loan le Loan liya hamne 10 Lacs , 10 Years Sir, Bank interest Kitna Lagega or But Agar Hum 5 Years me Full pay kar Dete hai Bank ko . Kitna Kitna Extra gaya. Sir , Me Chahta hu Aap is Topic per Ek Achchhi Video Banaye. Personal Home 🏠

@vivekshekhar7700 12 дней назад

Is part payment applicable in personal loan and education loan also...plzz guide this 🙏

@sssantoshnagp 5 дней назад

One correction - Bank doesn't take more interest at the start because loan payer will default it. Bank takes interest on the outstanding amount every month. As the tenure reduces our principal will also reduce hence interest part reduces.

@MGA_Advice 2 месяца назад

Home loan agar time par नही भरा तो बैंक आपके घर पर कब्जा कर लेगी 😅😅

@Mylovemahiable 2 месяца назад

Agar Nippon India small cap me 60k ki sip 10 saal pehle Kari hoti to uske aaj 3.73 CR ban gaye hote ...to koi bhi person aaj 1 CR ka ghar le sakta hai..

@subhendumani9629 Месяц назад

Paisa ka value ghatta hain over the time.. Aj jis paisa ka value 70000 hain.. Uska value 10 yrs baad 35000 reh jayega

@jamshedkhan3101 2 месяца назад

Naic information Aap ka har chij Bhari ki samjate ho kafi achcha lagta hai shayad koyi RU-vid channel per koi aisi video banata hogs aapki Jaisi sar thank u veri Mach

@vishusharma4591 16 дней назад

Sir suppose 30 saal ke liye loan liya .. 56 emi bani but uss sth m 15k per month or dala rhu yeah sahi hai .. yeah 15year loan sahi . Please guide me

@vinayvanga5928 Месяц назад

Seedhi baath, No bakwas. Kudos.

@amolm5689 25 дней назад

Part payment har 6 months me kar sakte hai kya? Ya bas 1 bar karte hai December me?

@disneysshreya6225 2 месяца назад

Thank u so much sir for this valuable information. Bank ye kabhi nahi batati hai customer ko.

@amritsahu5533 2 месяца назад

Gajab ki Jankari shear ki sir aapne...🎉 Extra kist Dene ke bare me..

@saurabhbhardwaj1131 Месяц назад

extra payment pe koi penalty ya additional charge lagta hai?

@PradeepSingh-xk7uk 23 дня назад

Very informative for me…THANKS

@sahilchugh4 2 месяца назад

Sir interest fix nhi hota increase bhi ho sakta hai future mein

@Ansari-96 Месяц назад

Extra payment ke upar se 1 alag se video banaye, ki wah kis tarah se kam kart hai aur

@Ytrewqa 2 месяца назад

Kon se bank ka intrest rate km h home loan k liye or kya chola mandal jaisi private company shi h

@NishantKamal21 Месяц назад

Inflation is most important thing to consider. Loan gets devalued very fast in start. Most of the people will able to close their loan in 15 years. Take loan for 30years do not take any pressure. Time will automatically reduce your burden.

@swarupchowdhury1515 21 день назад

Thanks for you information...it's really helpful.

@srawankumar7343 2 месяца назад

Prasnal loan ke sath v 12 +2 krne se principal Kam hoga kya sir

@राष्ट्रप्रेमी-त2भ Месяц назад

❎ sadhdat lakh ✅ Satasat lakh ❤😂

@JASVIRKAUR-mo4yt 16 дней назад

Gud information. Eh gal hame nhi pta thi

@harshadgaykar935 9 дней назад

Thanks, this is the best information for home loan

@cutefisherblog 19 дней назад

Sir part payment hum koi se bhi month m kr skte h ?

@lnaveenkumar3607 Месяц назад

best due DATE to set home loan emi 30st or 05th ?? my bank automatically set 30 th every month ... i signed for 05th of every month, pls reply sir.

@seemakaur9839 24 дня назад

This is rlly best information on home loan

@litazo6574 2 месяца назад

nice info. eg. if i do part payment of ₹5 lakh. will i be charged any penalty ?? how much part payment can we do and how many times in a year?

@UserMVG7524 День назад

15 lakh ka loan milega kya 10 sal ke liye hapta kitne kahoga hr mahine ko plot ke liye bhi mil sakta he kya proses he bataiga please 🙏

@himansupanchaljitpur Месяц назад

How many times we can do part payment into icici home loan sir ?

@govindbhagora7086 8 дней назад

Thanks Sir for your good information.

@rahulsutar6779 Месяц назад

Suppose meine Sept 2024 mein loan liya hai and (12+1) jo hai Next Sept 2025 ke time bharana hai na

@ashishdelhiwaala4235 Месяц назад

Yes

@bilalkhan-zf9vj 2 месяца назад

Best video but sir kya ye concept 12+1,12+2 personal loan per bhi apply hota hai

@XYAxisEducation 2 месяца назад

Personal loan ka tenure kam hota hai..isliye usme itna farak nhi pdta

@Prateek_jatboy 2 месяца назад

Very well explained... Thanks for this valuable information

@sudhansubaral9208 2 месяца назад

Kindly brief this video on PSU Bank / PVT Bank.

@VarshaParashar-t3l 17 дней назад

Thanks for giving us useful information

@drashtikhemka2413 2 месяца назад

Thank you very much... Can you help us with prepayment by YONO APP?

@disneysshreya6225 2 месяца назад

Which loan is better in personal loan Or home loan. Please ispe ek video banayiye. Muze samaz nahi a raha hai ki personal loan karu ya home loan. Is month muze loan lena hai

@yournightmare717 2 месяца назад

are you serious? if home loan rates are 9& then personal loan would be at 14%, why would you take loan at 14%? Personal loans are best suited only for business person.

@disneysshreya6225 2 месяца назад

No I also preferring Home loan only. But only I want to confirm once because one of bank employee told me that personal loan are better than Home loan. But Now my dout is cleared. I preferred Home loan only. Thank you

@yournightmare717 2 месяца назад

@@disneysshreya6225 bank employee was fooling you.

@ShivrajVashishtha-pr4lv 2 месяца назад

Bank m jo extra emi di jayegi to kya bank m bolna padta h ki ye extra emi mere principal ammout m jama karna ......

@Ankit-lw5oo 2 месяца назад

Nhi automatically extra emi amount principal me se kam hoti hai

@honeysungra2749 2 месяца назад

Aur kuch charges lagte h kya??

@riteshkumar882 2 месяца назад

nhi

@AshishKale-y5w Месяц назад

Floating interest rate hai to prepayment ke charges nahi lagte.. jitni marji utni prepayment karo.. lekin fixed interest rates hai to phir prepayment pe charges lagte hai

@ShivrajVashishtha-pr4lv Месяц назад

@@AshishKale-y5w okay.. Thanks

@BikiRava-v1h Месяц назад

Kya Home loan par tax lagta hein?

@GamingChannel-ur4hp 2 месяца назад

Kotak super account ke upper video banao Sirji... i think...naya feature aaya hai..youtube pr khi bhi iske upper video nhi hai

@shankar4005 2 месяца назад

Hi. Thanks for the video. If I can pay 1 lakh as EMI for a 20 year loan, can I rather pay may be 70k EMI by taking the same loan for 30 years and invest the 30k in market(index) for the 30 years? Isnt it a good plan? Any downsides to this 30 years vs 20 years?

@yogeshynr4686 2 месяца назад

Thanku sir ji ... Aap bahut achhi information dete ho ..koi doubt nhi chhodtey thanks sir ❤❤

@souravpriyasahoo3612 Месяц назад

Loan ka ammount part part me aya to interest keyse hoga emi keyse hota hai

@UPUK34 2 месяца назад

Please make a video on how to take Home Loan for self employed in SBI

@shibuthakur2583 Месяц назад

Hello sir kya ye 12+1 ka plan personal loan me v kar sakte h

@manojrahe659 Месяц назад

Initially I took home loan for 30years, it's been 2years. Now my question is that, can I change my tenure 30 years to 20years in Bank of Baroda??

@budhiramjena6051 2 месяца назад

Sir equitas small finance bank 🏦 bare me video banaya equitas bank automatically account close❌ kar ra hai (kuch bhi notice Nehi de ra hai) 🙏please sir is topic me video banaye...

@rahulroy3978 2 месяца назад

Very nicely explained sir how the loan concept work who was not knowing the concept will get to know very easily ❤❤

@amitkumar6784 2 месяца назад

Sir pls ek bar No Cost EMI bhi smjhao 😢

@premmehta8155 2 месяца назад

Thank you for sharing such helpful and insightful knowledge in such simple term.

@king_shiman_debbarma Месяц назад

PMEGP loan Subsidy Mera bank ki pass Aya he bank bolta hai mujhe 3 year ke but mile ga kya kare

@Sanjaysaini-wd6kd 2 месяца назад

Execellent video and valuable learning video....for home loan Customer

@SignMe 2 месяца назад

Best video for Home Loan Best Way Of Repayment to understand

@AnitaDevi-qp2bw 15 дней назад

Very well explained

@IsrarKhan-ds5ml 2 месяца назад

Sir, pan Thora sa kam ,bs thora kam uses kareay. Disturb hota hai

@myalphafinance. 2 месяца назад

Sir bank early payment kerne pe 3 ya 4 % ka fine lga deta hai 😢

@sachinamin4988 2 месяца назад

Home loan pe nahi lagta charge

@durgeshmallah4837 2 месяца назад

How to open Ladka Bhau Yojana par video bano na please 🙏

@PravinSharma-p9q 2 месяца назад

Sir it's so informating vedio sir you clear my lot's of doubt Thank u so much sir

@riyazone23 Месяц назад

Nice explanation bro will follow 12+2 from this year

@jitushukla4952 2 месяца назад

Principal jayada dene se intrest कम hoga kya?

@XYAxisEducation 2 месяца назад

Yes

@javedtambe9027 2 месяца назад

Those is the best idea for the return of the home loan thanks

@b.s.parihar4544 2 месяца назад

Sir Reply zarur Krna Maine abhi 2000000 ke home loan ke liye apply Kiya he pahle Mera sochna tha ki me 30000/month ki emi kr lu but fir maine socha ki me 15000/month ki emi kr leta hu or baki bache 15000 every month extra emi pay kr dunga yani 12+12 kya ye possible he bank koi objection to nhi lengi please reply kariyenga....

@arjunsinhjadeja594 Месяц назад

Bhai apko exact jitni jrurat he utni hi loan lena, jyada mat lo and ho ske utna low Tenure rkhna....

@RakeshKumar-yg4iw Месяц назад

Very very informative & your presentation is best

@HandleCricketboundaries 16 дней назад

This is best information on home loan😊

@mrafika6385 2 месяца назад

Sir mere ICICI Bank ke I application mein pre approval home loan ka offer de raha hai kis Tarah se milega usmein kya-kya kagjat lagenge usmein

@rahulks2769 2 месяца назад

hlo are you intrested to take home loan inHDFC

@mrafika6385 2 месяца назад

Kaise milega @@rahulks2769

@nonameyoutuber6492 15 дней назад

Very good informational

@NiDishavlog 10 дней назад

Very nice Information

@Drdevendrabarai 12 дней назад

Very good information sir

@imamshekh4650 15 дней назад

Extant information for home loan

@alexsugamsingha6654 27 дней назад

Part payment deke bhi interest jada nhi Kama…. Mere loan me EMI 12912, unme se interest 5745 tha baki principal. But 50,000 part payment k baad next month 5749, next 5581, next 5462 respectively interest aya out of total EMI. So itna interest to normal bina part payment ke bhi kam hojata h…

@kishanplays3367 2 месяца назад

सर साल में 13 वी किश्त कैसे भरे ईस पर videos बानाओ Please

@rahulagale4980 2 месяца назад

Simply go to the bank and give them 13th emi Cheque in favour of bank.

@Simrn3937 2 месяца назад

Sir please help kijiye mujhe loan lena hai urgent but nhi ho raha hai

@MAHFUZURRAHMAN-b4b Месяц назад

Bhai aapka basic concept hi clear nahi hai..bank koi hoshiyari se interest jyada nhi le raha hai..bank is calculating on Principal amount at Interest Rate on monthly basis. At the beginning, there is more principal and accordingly interest at 9% per annum is charged on principal amount. Default ke liye bank soch nhi raha hai..default me aapka hi loss hai..bank house ka auction kr dega.

@rajsekharsaha2441 25 дней назад

If someone pays for 5 years for a 15 years tenure of loan. Then he's unable to pay rest of the amount. After auctioning bank will take all the money? Or bank will take only principal+interest for 5 years?

@HumanareAssetsofIife Месяц назад

WELL >>>>>>>>>>>>>> APPRECIATE YOUR VIDEO TOPIC

@chandreshyadav4024 Месяц назад

Mast samjha ya bhai ji🎉🎉🎉

@ARMAAN__YT 2 месяца назад

VERY HELP FULL VIDEO FOR MIDDLE CLASS

@pramodsable9758 Месяц назад

2015 me 23 lac home loan liya 15years ka time hai..kay main abhi khuch aisa kar sakta hoon kya.

@swarajganiga3127 2 месяца назад

Thank you sir...very nicely explained 🎉

@daarkdagger 2 месяца назад

sir jese mene 25 lakh ka loan liya h or har sal m emi k sath sath 5 lakh rupees extra bharta hu…to 5 lakh bharne k bad meri emi 25 lakh k upr ki aayegi ya 20 lakh ki aayegi..??