Tq Kowsiku.. నాకు ఒక చిన్న మంచి మార్గం చూపించావు! Mutual funds లో start చేశాను! దాని ద్వార నాకు 12 నెలల్లో 5000 profit లో ఉన్నట్టే!! అప్పు తీరడమే కాకుండా లాభాల్లో వాటా కూడా వస్తుంది!! Investment ఎప్పుడూ Boor అనుకోవద్దు! అదే మనల్ని కోటిస్వర్లను చేస్తుంది!!! 20/11/2023.
50 Lakhs home loan tisukuni adi EMI kaduthu Family ni maintain chesthu Malli ee 7500 invest cheyali ante 20 years kastam bro Assalu kudaradhu Money lekane kadha antha loan tisukunnadu So vachina salary EMI'S kattadaniki aipothundi max
Koushikku, you are hiding two pointsuu. You are not saying anything about capital gain taxuuu.. 50L interest is compensated by the returns of an investment, then the value of the invested money is going for compensation. Invested money will remain same with no profitu kaushikku.... i mean to that we are missing some returns for our investment kaushikku or we are sacrificing our profits for home loan interest kaushikku. So this is not 0% interest home loan kaushikku...😅
It is just an investment not a waiver against home loan interest right!!! So eventually any investment will have some return based on its inherent risk.
EMI 41k and 7k (overall investment 7 X 12 X 20 = 16.80 Lakhs) as Investment in risk fund... Getting 40 Lakhs as Risk cover may this going to reduce or increase based on Market risk.... My best plan is if you invest the same money into LIC u are getting Triple benefits with ur almost 10 to 12 return on investment. 1. Life Risk is cover somthing happen in middle of tenure LIC will pay the More than Insured amount with guaranteed addition but the same benefits are not available in Funds investment. 2. Savings 3. Good return on investment with Guaranteed from LIC Before investing think twice for the best benefits.
Seems perfect idea Sir. I dont know but somehow i was followed this strategy by the time I started paying home loan. Now I am confident that i did good thing and I'll continue it. Thanks and God (Lord Venkateswara Swami) bless you 🙏🙏
Bro yellow highlighted calculation lo u mentioned it as 0.15/100 which is incorrect. You should mention 15/100, 15% or 0.15. Please make required modification into your calculation
Simply yearly 2 extra EMI 's pay (partial payment) cheste almost tenure will go down to below 10 years. In mutual funds income is not fixed its based on market condition
Anna 21-12-2016 lo home loan 7.50 laks teesukunnaru 31-12-24 varaku emi kattaru .ippudu ma hub chanipoyaru .sbi bank vaallu nannu wife ni emi lu kattamani adugutunnaru. bank lo insurence vuntundi kada ani adigitey refund chesukunnaru ani cheputunnaru. Pls suggest mi anna
Koushik cheppedentantey dabbulenodu kadu dabbu undi lenodilaga home loan tisukonnodiki e idea lu vartistayi.but chalamandiki e investment telidu teliyakuntey investment risk lo unnattey
You mean for purchasing the house, i need to wait for 20 years. By that time the value of house may become 5 times. So again we need to go for homeloan.
Ila ayithey home loan ki 50 lakhs vaddi kattali.... Index mutual fund ki 18 lakhs kattali ... Total 68 lakhs kattali. Mutual fund nunchi manaki 56 lakhs vasthey andhulo manam kattina 18 lakhs minus chesthey.... 38 lakhs manaki laabham... But manam 68 lakhs kattukovali 20 years ki ...idhi pakka 😅
House kosam house loan tesukuntaru incase house tesukokunda ah 20 years rent house lo unte rent kattukovali ah amount badulu akada intrest ga kadataru anthr
Plan is good but not useful for home loan. If we take home loan we will construct the house so we can avoid the rent burdens and will have our own house. but if we invest as you said then we will get the amount after 20years the cost of constructing house much higher then now because of inflation. correct me i am wrong.
For those who dont understand this video, it is talking about keeping home loan at longer tenures so that you have liquidity of funds and opportunity for other investments. So as you increase home loan the reduced emi will be balanced with increased investment amount. So if your investments do well with 15% return rate the excess amount will be your added profit. If in between you get good investment opportunity like a land or business you can use that opportunity to get potentially even higher returns
