Home loan is a trap... Unfortunately every corporate employee is getting into it... Daridram aenty ante, willu chala confident ga, chala proud ga feel awthunnaru...
House konukodamee jeevitam kadu...evarni chusina loans antunnaru edi correct paddati kadu...kontha money save chaskoni...polalu oo..flats oo konali or else gold aiyna...entiki em tondara ledu..maha aite 15-20 k vuntadhi rent anthe ga..danikosam..2 cr or 1 cr tho kadatam entha varukku correct..pillalu settle aieaka or invest chesina land nundi or gold nundi konavachu...enka telivi vunte aa dobbulu tho hotel katti rent ki eachina super ga vuntundhi@@tejentertainmentvideos7581
Bro. House teesukovali eppudaina. Ippuudu teesukokapothey tarvatha konni years ki ayina a pressure untundhi. Life long house search cheyalevu even if you have money in hand.
@@gowthammodepalli7858 once you reach investments 1cr+ ( shares / mf) then go for home loan. 1cr home loan ki vellina approx 80k per month pay cheyali EMI 1cr investment nundii returns approx 1L per month… so safe zone to take home… Ea investments lekunda home loan ki velthe block avtharu.
I do invest 90% of my monthly income to various investment types & created a corpus of 1.5 Cr + constructed own house in my hometown in 8 years of my work experience. I started with 6k per month stipend in bangalore
@@universalinformation572 if you have financial discipline & respect towards money this is possible Else even with 1CrPA income you cannot save anything
@@freshnews3171antha intha time kadhu yendhuku antey present rent ki thatukoleka loan petu thesukuntunaru okavela resale house velthey present rates chepthunaru so ola property ki present rate badhulu new property ki rate petidhey manchihi kada ani
Guys, let's calm down. Everyone needs a place to call home, whether it's bought outright or through a home loan. Ultimately, owning a home is important. Renting has its challenges. I personally struggled as a tenant and decided to buy a flat using a home loan. If I'd waited to save up for a full cash purchase, I might have gone crazy dealing with today's landlords. So, buying a home is a personal decision; there's no one-size-fits-all answer.
puttatam, peragatam, education and job and buying someting etc.. and saving ..mean while age is >60 yrs .. the main purpose of life lauging from the carner .. it includes with me as well
Purpose of life is living with ur soulmate anywhere , not working especially not working . In old days both wife n husband n even kids or even closest sistes or brother work in same places farms and come together go together, work only two months in year , rest of the days they plan festivals, visitings marriages occations , that's life. What we are doing now is not life. It's slavery to banks , real-estate owners and corporate companies. The bad n worst part now a days is young guys who are from 18 to 35 are staying single without having partners n happy life. All humans have become resources.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
After 25years really 60k is not worth because even today 40k to 60k is not sufficient for a middle class life style. Even some companies are not providing inflation percentage hikes. Now we should increaae income to invest more
Hi brother, as per my knowledge invest 5,000 in mutual funds and pay 15,000 (Out of 20,000) monthly for Sukanya samrudhi for baby for higher studies. Mutual funds are subjected to market risk. In future you can invest for money back policies for your baby. Unmarried people can invest in mutual funds and take risk. When you are a family person every year your responsibilities will grow and won’t say to take risk. For baby girl you invest in gold every month some amount.
If you are referring to money back policy, which is endowment policy, which is not at all recommended. Market is risky in short term by in long term , it will reward. Also we need to invest in safe assets like epf, ssy,ppf and some part into risk investments. But endowment policies and ULIP are worst kind of investment one can take.
Why all are keeping bad comments? He is telling naa he is having other properties. May be his wife also will have some properties. His father is a govt. Employee. They will get pension
Nice work chandu... Your show looks similar to finance with sharan shows/interviews... But anways, your show is in our mother tongue telugu... Great... Good going and all the best
1) he have to close his high interest loans first and every year increase his emi by atleast 5% or prepay 1 month emi (he can use his bonus amount for that) this will reduce total repayment drastically. 2) health insurance of 8-10 lakhs for a family is pretty less one corona can wipe of everything as it will also have co-pay. He definitely need to get super top up on it for atleast 50lakhs which come for 3-4k. 3) aa mutual funds enti bro al chepaav goal based investing anedi cheyaali thana daughter education goal 15 years so daaniki entha percentage pettaali retirement ki ppf elago undi kaabatti seperate ga entha pettaali vere fund lo child marriage ki seperate fund lo entha pettaaali chaala time undi kaabatti thakkuva pettachu. And emergency fund corpus ledu bayya ki so atleast 3 months expenses daaachaali kindano meedano padi. Lekapothe enni plans vesina waste oka month uncertainty vasthe all gone. So he has bring down his emis drastically and quickly in his prime years only. Anyways it was nice one bro.
Agreed. Thank you. We can have goal based investments. But are we really going to use the same funds for the same purpose. First and foremost, we need to invest good amount in SIPs so that wealth will be created. Once you have good corpus, you can use it for any purpose. Also he has plans to repay 40-50 lakhs of home loan in next 2 years with the real estate returns he is going to get.
Ante anna na aalochana enti ante without goal manam invest chesinapudu manaki chinna kastam vacchina aa money vaipe velthay eyes ade manam fixed goal ki link chesthe manaki oka bayam and responsibility untadi adi muttukovaddu aa amount ni ani...
Broo needi nadi okey kadha a)age :33 b) father police tried SI because of bifurcation joined in it C) salary also same D) 2 years baby E) kani nenu home buy cheyaledu brooo because 1.5 cr (50l apartment ki ekkuva ani na feeling,may be i'm wrong)
Now in recent days living 60 years 50 50 chance Suggest how can we get more returns in 5 to 10 years and live happily by chosing passion So suggest hownto earn in 5 to 10nyears
Nenu 2015 lo Miyapur daggara 160 sq yards house tisukuna 21lakhs down payment and 27 lakhs loan with interior naku 54 ayyindi. 2022 ki home loan close chesa ippudu naa second investment ki chustune 50 lakhs down payment chesina inko 1cr loan tisukovali.
no need brother ఒక ఇల్లు చాలు మిగతా ఇన్వెస్ట్మెంట్ రాజధాని అమరావతి లో ట్రీ చెయ్యి తక్కువకే వస్తుంది... అప్పులు లేనివాడే కోటీశ్వరుడు...థింక్ twice.... ఎందుకంటే ప్పులకోసం బ్ర తుకుతున్నారు గాని సంతోషం కోసం బ్రతకటంలేదు
Repaying home lone and reducing tenure is shit idea...... instead of repaying the home loan its better to invest in stocks and mutual funds which gives more than 15% returns
When Home loan tenure is 30 years, it is always advisable to get it under control. When tenure is under 20 years, I wont recommend repayment of lumpsum.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
brother, ur father what he did? in his generation? minimum 50% down payment remaining 50% loans doing thats good approach... also 6 months emergency fund. all these must
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
It was very good iniiation to make videos regarding the real life senarious. It was really helpful for the people who wants to lead their life in secure way. Really appreciated.
His home loan interest is 9%, which can easily be brought down to 8.3% by balance transferring to another bank. This will bring down tenure by 6 years straightway
Hi my salary is 80k and expenses are 1.2 lacks 1. Personal loan 19K 2 Rural plot loan (village) 16K (including insurance) 3 Rural plot loan (village) 10K (including insurance) 4. Room rent 15K 5. Car loan 9K 6. Only very expensive is credit card monthly one HDFC 35K + SBI 30 K i want to buy house or flat in Hyderabad please suggest me 🙏🙏🙏🙏🙏🙏🙏
Why you have taken multiple plots when you have plan to purchase a home. Before you buy a loan, make sure you have 20% of down payment with you along with money for registration money and GST. Make sure your expenses and loans together constitutes to not more than 70%. Make sure Loans are less than 40-50% of your income.
With 90% of expenses and managing with little bit savings with his coolness is getting doubt, did he have any emergency funds? Did he or his family have asserts? Did he getting any other sources of income?
He invested in real estate and he has good support from his family members. First happy point is, he has health insurance for his family and for his parents. Now he started his investments in stock market.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
@@NeerajRaghavendra might be he took home loan first next the other loans? The bank will check that 40% of the salary can be go for emi, as per the banking person updates. But still how he got two house loans is my doubt
Guys dont take home loan or any loan on depending software or any job. Because, if you have loans based on job you can not resign or quit job immediately if you are facing issue within the work place by superior or anything else. So those companies or superiors will take it an advantage or take u for granted, disrespect starts and never ends. Dont fall in these traps. Stay on rented places and buy house in area where you wanted to stay after retirement. Plan your retirement only in ten years , not more than that. We cant work for long time.
Worst advise is pre-closing home loan, instead of that invest in mutual funds for 12% and pay 9% for home loan and take 3% profit, always prefer home loan with 30 to 40 years because mutual funds give compounded returns with increasing years.
Theoretically that is correct but a person taking a home loan at 30 yeas of age need to carry the same debt till his 70 years. Also you need to look at the practical aspect of it. In India , most of the people who have long term view in mutual funds will sell their holdings in middle due to some cash emergency. If that happens, there wont be the benefit of compounding and this entire process of 40 years loan concept goes to waste. As a thumb rule, make sure to have home loan under controlled tenure, like 20-25 years. Now a days people cant even work till their 50's age because of long working hours and stressful life style.
@@PersonalFinancebyChandu correct, in my case I am constructing home with 60L, I have 60L money in hand now instead of spending money on home I am investing in MF for 12% cagr so I get 60K per month profit avg, now I am taking home loan for 60L with 30 years for 50K EMI, my MF avg gives 60K I paid EMI with MF profit and it tax free also because of home construction 10K is profit I won’t withdraw that 10K, after 30 years my corpus become huge also my home loan completes, now I have my own money and also home
@@trinathanantham8755 Here you have 60 lakhs corpus. This is different compared to doing a SIP. If I am in your situation, I will use 20 lakhs from my corpus and go for a loan of 40 lakhs for 20 years and I am going to invest the 40 lakhs in 2 year tenure with a SIP format so that I will get best average. If my 40 lakhs with 2 year SIP gives a 12% return, I will make 3.5 Cr in 20 years.
I bought a house for 15L , sold it at 30, then bought a house at 70L , sold at 2C, then i sold 2C house and bought 4 flats for 50L. Now i am not working.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
I wanted to expose to nifty 100 stocks and I nifty next 50 is mostly large cap. Hence I consider it as less risk. But I agree on your point of having mid cap. As per ones risk appetite, we need to include small mid and large cap funds in proportion to risk appetite.
He made few real estate investments. He is going to repay 40-50 Lakhs in 2 years as Lumpsum and close the entire home loan in 12-15 years. Hope everything he planned works out well and have a peaceful life.
@@PersonalFinancebyChandunot easy we say brother. Real estate is iliquid. Taxes and what not on capital gains. What is your personal opinion? Do you think paying a house loan EMI of almost 70% is better or going for rent?
@@universalinformation572 In terms of financial planning, theoretically, going for a rented house and investing remaining amount in mutual funds is the best. But buying a house is an emotional decision. But we need to keep in mind the budget for buying a house. But as you said, real estate had big liquidity issues
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
@@PersonalFinancebyChanduwhy he needs to repay the home loan? Home loan emi rate if interest max 10% lope vuntadii.. instead of repaying amount for home… he can invest the same amount in MF / shares .. and can expect 12 to 15% returns… Paying 75k per month as emi is hard for next 3 to 5 yrs… salary increase avthadii but house emi same vuntadiii kadaaa…
Waste of purchasing flat for 1+cr that too with loan ... Its so hard to listen..his intrest amount will be more than his actual payment. That too for 30yrs. I mean untill he come to 60yrs.OMG. what abt his daughters schooling health and other stuff.😮
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Naku oka doubt..meeru 30 years home loan ni 40 years ki convert chesukoni..migilina amount ni sip lo pedithey 10 years ki 1 crore avuthundhi..meeru danitho home loan clear cheyochu kadha...same meeru ichina sip calculation prakaram
Ledu andi. It is very wrong thinking. First we need to close the debts as soon as possible. If we extend the loan from 30 to 40, the interest payable will be 3-4 times the principle. There will be reverse compounding effect. We need to afford home loan for only 20 years as max tenure. Else we need to buy a lower value house.
Buying a house is not only logical decision. We also need to consider emotions as well. But we always need to plan the EMI and monthly budgeting. Let's educate everyone on financial awareness.
Reality lo 50 years 60 years erojullo work cheyyadam kastam . Sip 25 years plan anedhi worst plan . Chuddaniki returns bane untai kani manam 50 years varaku idhe job idhe salary undatam kastam
I have seen people who did investments for long term. I know responsibility increases over time. But who ever does it consistently will have very good wealth.
@@PersonalFinancebyChandu whatever you said is correct sir kani entha mandhi 25 30 years cheyyagalaru anedhi imp ikkada. 31 vallaki inko 30 ante impossible .we should encourage people to increase sip and retire early . 25 years mind lo unte antha easy anipisthundhi. Kani andaru 50 years job cheyadam kastam
because land is appreciating but building is depreciating. On a whole, Buying Apartment with less UDS and interiors cost, Maintenance and low rental yield considered as expense
As he is medical insurance is secured, he need to concentrate on corpus building. Kids school fees comes in 5 years for Swaroop and meanwhile he can build corpus. As he is nearer to school age, he need to reassess his budget to accommodate the school fees. If he starts his SIP sooner, he is going to have compounding effect in his retirement fund. Hence start investment as soon as possible.
Compounding depends on market inflation. Let say he started with 10k as SIP for 3 years may be it will be max 5 lakhs. May be his kids starts after 2 years from that reduce some 1 lakh. In this basis how can he sustain and also some point he wants to change his car due to unforeseen reasons what is his backup. Literally sometimes formulas works without any bottlenecks.
Chandu why you are taking people from scratch in investments Take the people who are in middle of investments or take the people who are in fully investments Waste of time you educate the scratch content Moral --you giving same moral for every video for every different stories Thanks Bk
Sure . In the first three episodes, people started their investment journey. It will add value to their family in long term. But going forward, will include mix of people. If you are interested, please fill the form to participate in salary secrets.
Koddi rojulu dentlo aina invest cheyalsindi....money. job pote okasari imagine.....crypto lo invest cheskondi.....october 2024 to July 2025 is good time to hold.
You’re suggesting 5 sips with 15k pm which is wrong approach He needs to save as emergency expenses Nifty lo invest ani evadaina cheptadu which is wrong Worst suggestions istunaru meru Generic cases will not applicable for everyone
School fee undi ani kuda u r asking to invest 80% of his remaining savings i.e, 15k Wrong approach First he need to work on increasing the income That’s the only way
Hello . Thank you for your inputs. I did suggest a variety of mutual funds to Swaroop (Nifty, Nifty Next 50, Flexi cap, Two small cap funds and two mid cap funds) along with fund names after thorough analysis . He is going to start his investment journey soon. Btw, His emergency fund is set in his Wife's account (Couldn't include it in video due to Audio/Video issues). Also on 15k investment(80%), He still have 5 years before his daughter joins any school. Always invest first and then spend the rest. When he invests 15k in a month, he is going to cutdown some expenses in Eating out, Shopping and others. I am really happy to see financial awareness.
Government should develop good government schools and hospitals in cities other wise people will suffer a lot in coming years .. every one sell their properties for children study and hospitals …ask government develop gov schools and hospitals …
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
You are in the middle class trap. I don't see any better option than selling a 1.5cr house. Repay the complete loan amount and stay in luxury apartment for rent(you can show this in IT) . Rental yield is very less in andhra/telangana. Try to invest 80k sip in index mutual funds.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Sir sir please repky sir please please 🙏 help …. Actually 2weeks nundi online and youtube motham dandayatra chesanu because i have 5L money and i have 2 children’s … 2.5y and 5months old boys … vala future kosam 20y ki invest cheyali so please miru e video chepina MF names chepadi sir nen 1L each lumpsum chesta for now … future lo i will increase it but please sir athaniki chepina ah 5 stocks chepandi sir nen invest chesukunta ma kids kosam please
Hello @SairamV17 , If it is me , I don't invest bulk amount in stocks and mutual funds. Put the 5 Lakhs amount in a FD where you can make flexi withdraws without any extra charges (Small finance banks usually provide higher returns up to 8%). Invest every month 20-30-40 thousand(your choice) and distribute it into (one Nifty 50,one Nifty next 50, one flexi cap, 2 small cap funds and two 2 mid cap funds). Also if you can find any good long term stock, you can invest in them as well. And as you mentioned it is for you kids, you can create a zerodha / Demat account for minors (I did it for my daughter) and I am transferring shares, ETFs and Mutual funds to my daughter account every month / Once in a while. please reach out to collabwithchandu@gmail.com for any other detailed information.
No. She used to work before marriage and she is not working now. I have met her and spoke for sometime. Swaroop is making his best efforts to control the expenses and he need a way forward in the financial markets.
Asalu 1.6 lakh per month salary ki , that too already 2 emi's vunna vadiki 1cr loan ichina chetha bank edho.. Job pothe suicide chesuku savali. 😢😢 asale software job.. athani wife kooda job chesthundhi..aah salary details hide chesaru... Ee video lo content just madeup.. i dont think this is factual information..
Pure Copay of Fix your Finace with Anshuman hindi channel....but not up to that mark. still needs more technicalities in finance. Try to watch fix your finance with Anshuma.... then you will know how to advice.
Anushman ,Sharan and Warriko are the leading influencers and I agree I took inspiration from them. I want it to reach more telugu people. I also concentrate on personal finance , Stock market and Mutual fund analysis concepts as well.
It is not as easy as it looks. There will be 12-15 hours of work every day with lot of deadlines and targets. There will be lot of mental pressure for a software people.
Return percentage lo mutual fund better. But Sukanya Samruddi lo money veseste , money maturity varaku withdraw cheyyalem. But MF lo easy ga tiseyachhu
Brother.. mutual funds lo 12 percent per annum ante per month 1 percent growth kadaa it's small bro ..i have invested in sbi small cap gave me return more than near about 40 percent in 1 year @@PersonalFinancebyChandu
Please send out email to collabwithchandu@gmail.com Or DM me in instagram instagram.com/personalfinancebychandu/ If you want to participate in salary secrets, please fill the form here. forms.gle/6moKvaWdoxoecdm37
My only suggestion. Plan your salary, start investing. As little as possible. Even 500 rs tho investment start chesina long term lo wealth create avutundi
@@PersonalFinancebyChandu can you make one video bro… on how to invest in US MF / Shares . And how much returns we can expect? Full detailed video please. And if possible.. how to invest in startup companies ? Like: angel investors Deni meda kuda one video please Thank you
@@vinaykumarmiryala6082 you can easily invest in Nasdaq by taking a mutual fund . If you want to invest in US stocks, you can do it in IND Money. I will do video in a few weeks
