Pre EMI Interest vs Full EMI Home Loan | Hindi

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What is Pre EMI Interest in a Home Loan? Should you opt for Pre EMI or Full EMI while taking a housing loan for an under construction property? Can you claim income tax benefits on pre emi interest as a deduction? Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/
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किसी होम लोन में Pre EMI Interest क्या होता है? अंडर कंस्ट्रक्शन प्रॉपर्टी के लिए हाउसिंग लोन लेते वक्त आपको Pre EMI या Full EMI के लिए ऑप्ट करना चाहिए? क्या आप pre emi interest में डिडक्शन के रूप में इनकम टैक्स बेनिफिट्स क्लेम कर सकते हैं? चलिए समझते हैं।
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In this video, we have explained:
What are Pre EMI and Pre EMI interest?
Why Pre EMI option is only available for under construction property?
What is full EMI?
How payment is given to builder with Pre EMI option?
What are the pros and cons of Pre EMI home loan?
How to compare Pre EMI interest and full EMI home loan?
How to calculate Pre EMI interest?
When should you opt for Pre EMI?
What are the advantages and disadvantages of Pre EMI?
When should you opt for full EMI?
What are the advantages and disadvantages of full EMI?
What are the tax benefits of Pre EMI and full EMI on the home loan?
Pre EMI और Pre EMI interest क्या हैं?
Pre EMI का विकल्प केवल अंडर कंस्ट्रक्शन प्रॉपर्टी के लिए क्यों उपलब्ध होता है?
Full EMI क्या है?
Pre EMI विकल्प के साथ बिल्डर को भुगतान कैसे किया जाता है?
Pre EMI home loan के Pros और Cons क्या हैं?
Pre EMI interest और Full EMI होम लोन की तुलना कैसे करें?
Pre EMI interest कैसे कैलकुलेट करें?
आपको Pre EMI का चयन किस स्थिति में करना चाहिए?
Pre EMI के क्या फायदे और नुकसान होते हैं?
आपको Full EMI का विकल्प कब चुनना चाहिए?
Full EMI के फायदे और नुकसान क्या हैं?
Pre EMI और Full EMI होम लोन के टैक्स बेनिफिट्स क्या हैं?
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Hope you liked this video in Hindi on “Pre EMI Interest vs Full EMI Home Loan".

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Опубликовано:

1 фев 2018

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Комментарии : 215

@AssetYogi 10 месяцев назад

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

@Aksh_tremist Год назад

Only Mukul sir can help his audience understand such difficult topics so easily 😍 Love you sir jeeee

@AssetYogi Год назад

Most welcome Akshay.

@19911027b 5 лет назад

Been watching all your videos since 2 pm today. Work related stuff. Absolutely awesome work by you. Don’t have enough words to describe. Would request you to continue with similar zeal. Love your channel and your work. All the best.

@SM-er3dv 8 месяцев назад

Thanks for such a great and informative video.Helped me to understand in an easier way.

@rohanbisht4597 4 года назад

Thank you so much sir. jo knowledge chaiye thi wahi mili. ek baar EMi statistics ka bhi video banaiyega kripya 🙌

@pkdancereels 6 лет назад

thank you sir,... this was a very good video... from long time i had confusion between preemi and emi. no one really explained us in this detail. I appreciate the work done by you. Keep doing the great work.

@AssetYogi 6 лет назад

I am really happy that you liked the information on EMI and Pre EMI. I want to thank you for taking out time to appreciate my work, keep supporting 😊

@twinklestar162 4 года назад

Thanks for the Video and knowledge, in this video the Principal part in Pre-Emi has not been covered, and while the 5 years break of Pre-EMI interest is deduction is available and no comments about the interest part after possession, after the 18th month completion of Pre-EMI, the principal paid be shown for taxation if still under construction, kindly advise

@rohitchoudhury1 Год назад

Genius ho Sir..Har useful topic pe video hai aapka..

@ashishagrawal6309 8 дней назад

Great explanation, thank you Mukul ji 😊

@jackwil100 5 лет назад

Wonderful. I like your videos as it is easy to understand and no jargon. I had question on properties sold as "No Pre-EMI till so and so date" (after which full EMI starts). I understand that it is paid by the Developer to attract more clients. But does this real help the retail investor. I am in one such contract. I dont pay pre EMI (it looks good to me). Flats are under construction and should be ready to move (almost same as EMI start date). Your views or any comments will be appreciated

@rajendranishad1530 6 лет назад

सर, एक वीडियो प्रॉपर्टी vs म्यूचल फंड इन्वेस्टमेंट के ऊपर बनाए।

@prasadpardeshi2231 3 года назад

Awesome..... Exactly correct time I got this vdo Thankkkkkk uuuu

@AssetYogi 3 года назад

Keep supporting Prasad 😊

@mxtlegends....9819 3 года назад

It was very informative video, cleared all confusions..thank you sir

@AssetYogi 3 года назад

You are most welcome

@Pooja-dr7fy 3 года назад

Awesome explanation..Sir can you please also make a video on repayment of education loan in India. Which repayment method is better via part-payment or through fixed EMI. Thank you

@HemantMayatra 5 лет назад

very useful video. when we share such knowledge with others it gets expanded. Though you directly observed or not. Really thank you for sharing knowledge and making simple short videos

@AssetYogi 5 лет назад

Thank you for appreciation Hemant 😊

@vijay192400 6 лет назад

Thank you sir..u explained it very well

@AssetYogi 6 лет назад

Hope it is helpful Vijay !

@sagarjadhav9869 5 лет назад

Hi Mukul Sir, I am working with home loanc redit department in bank, actually i m new to this department but I have to achieve a good command on credit department,what should I do. I used to see your all videos on finance. I am requested to you for making a special video on credit department working structure. Thank you

@saideepak5766 3 года назад

Thats the most perfect explanation, i have ever seen. Thanks s lot.

@AssetYogi 3 года назад

Thanks for appreciation 😊

@RanjeetKumar-vl6es 6 лет назад

Sir, please discuss tri partite agreement regarding home loan

@ganeshchavan6161 5 лет назад

Sir stamp duty underconstruction period me section 80C me B बेनिफिट मिलाता हे या नही

@nagargojeharshvardhan2375 3 года назад

Thanks, Sir. So informative.

@AssetYogi 3 года назад

Thanks 😊

@shandilya2001 4 года назад

Excellent and informative video. God bless

@AssetYogi 4 года назад

Thank you Sanjeev

@rajeshshinde7704 4 года назад

Hi sir I m watching your video I have get deep knowledge about the loans So I m requesting you pls upload one video about Cash on credit card or PLCC( personal loan on credit card) so in pls brief what is the advantages and disadvantages Thanks

@amitsh56 4 года назад

any good advocate for resolving pre emi issue where builder is showing any light of date of possesion that already delayed for 2 year?

@kavichoudhari6719 3 года назад

Very helpful information sir .. thank you 😊👍🏼

@AssetYogi 3 года назад

Always welcome

@Hello12jd 6 лет назад

Sir, how to change the property owner name from grandfather to the grandson in which his father and grandfather is no more/died. What documents required for this? Thank you

@darshan2926 5 лет назад

Sir what is tranche emi in home loan..? Please help

@shekharkgade 4 года назад

Sir what is the major difference between pre ani option I and option II...???

@rakeshbamaniya8730 5 лет назад

Sir, Aap MCLR me NBFC company cover hoti hai ya nahi hoti hai uske bare me details video banaye. Agar nahi hoti to uske nuksan kya hai aur hame NBFC company se home loan Lena chahiye ya nahi etc. plz

@satishkumar-qx1zt 4 года назад

Thanks for informative knowledge

@AssetYogi 4 года назад

I hope this will be useful Satish :)

@KeshavKrishnaIndia 4 месяца назад

Hello Mukul sir. If we have a sanctioned loan of 10L, we have got only 8L disbursed and now we don't need further disbursement. Should we get the sanctioned 10L reduced to 8L. Is there any pros cons related to this, please explain.

@asdfgh3098 3 года назад

Sir.. The way you explained... excellent 👌🤯🤯

@AssetYogi 3 года назад

Thanks Abhi 😊

@mehul.brathva7265 6 лет назад

Sir mane 15 lackh ka lon liya hay 20 yars uska intrest rate 10% hay uski emi 14475 aati hay to muje us lon kase bhar ni hogi aur koi upay hay to share karna marry sallary 25000 hay plz answre dena

@smilingbuddha2817 5 лет назад

Thank. You Sir 🙏

@santanabiswas2696 5 лет назад

And loan keya floating rate pe Lena chaiye

@bharatkumarvlog3806 5 лет назад

Pearson's correlation cooficient ke bare me explained kare

@sohamash8910 3 года назад

You may please inform if I am paying full EMI against non disbursed amount,that case I will be paying more principal. What will be the benefits in duration of EMI??

@bablusharma8196 5 лет назад

Agar loan amount same rehta hai par construction time 12 month se badhkar 18 month ho jata hai to uska interest kaise calculate hoga.... Pls

@nageshdalave 4 года назад

Great video... Exactly found in this video what I was looking for.👍👍👍 Last point can you explain please about tax benefit is applicable or not in section 24. For under construction flat?

@in.meraki Год назад

This was so helplful. Thank you so much sir.

@AssetYogi Год назад

Most welcome

@jitendra_25 4 года назад

8:55 I am only select to invest my 2,00,000 on loan principal amount in investment, coz when my principal amount less then my EMI Tenure less / Reduce emi so after 20 yaer change in 18 year loan / less emi payment every month. This is best for everyone think about it.

@letstravelling3369 5 лет назад

Sir Mai ek property kharid Raha hoon maine homelone k liye do ajents KO paper diye hai or wo dono ek hi bank mai apply kar rahe hai kya issme koi problem aa Sakti hai please guide me

@rabichoudhury9092 2 года назад

How can we calculation for multi tranche disbursement if excel can share it will help full

@sumit9665 Год назад

Sir can we claim both hra and home loan tax claim during under construction?

@anurag040891 3 года назад

Theek hai jee.

@smitasmita100 6 лет назад

can u explain how to claim income tax benefits for under construction property?

@AmitAvneevlogs Месяц назад

Watching this in 2024. You're a legend. Putting all Google searches to an end through your 10 mins video. Thank you very much! 🙏

@ajayvyas1782 5 лет назад

सर जी धन्यवाद आपने मेरे होम लोन से सम्बन्धित सारे डाउट क्लियर कर दिये हेँ ।

@jagdishshetty2463 3 года назад

Explain about tranch emi

@rhl_rs 5 лет назад

Sir iska matlb pre emi ka sirf interest hi bharna padega? Loan ka jo amount hai usme se kam nahi hoga ...??pls repy

@prabhakarpandey5133 4 года назад

Asset Yogi:-Just i want to confirm Pre -EMI and Full EMI depends upon customer choice ?

@PRAPALITECH 3 года назад

sir gramed me bank loan dyati he y nahi

@parthsarthykaushik1418 3 года назад

Just one word...Awesome!

@AssetYogi 3 года назад

Thanks for appreciation 😊

@anitabisht348 3 года назад

Sir ye bataye loan ki EMI badhane me faida hota hai ya loan ki pre payment me

@learntoobserve 3 года назад

Great Guy!

@chintamanisutar1069 4 года назад

Ek property me mera pre emi cha raha hai but uska possession abhi tak nahi mila hai to kya me usko band karake possession ke bad start kar sakta hu

@see4web 5 лет назад

is there a posibility of zero emi payments in maratorium preiod? please guide me. taaki mujhe moratorium period me interest amount bhi pay krna naa pde and ye amount main loan amount me add hojaay.

@arjunsunar8570 2 года назад

Very helpful. thanks sir

@AssetYogi 2 года назад

Thank you so much.

@simplyfynursing7327 5 лет назад

sir aap houseloan vale kese tax benefits le skte h ye tho btaya but me aap se request krna chahunga ki aap ek income tax return filling video with house loan benefits valo video dale

@jadejavahrajbharamdevsinh9457 5 лет назад

sir hamane 21lack me flat kharida he to esame dastavej ka kitna kharch hoga

@kaustubhsa Год назад

Hello sir. I have a question. Though we opt for Full emi option, Why would bank charge full emi to customer on entire say 36 lac loan amount when the bank has not disbursed the entire fund to builder? It should charge emi only to the disbursed amount right

@pncabhisek7949 10 месяцев назад

Sir brigade property mai ideally kitna appreciation milega. 2.5 bhk bangalore mai

@susmithalakshmi4301 Год назад

Home loan EMI vs BANK RD which one is best sir?

@littlerockstaradwait9724 3 года назад

Superb explained....👌👌👌

@AssetYogi 3 года назад

Thanks 😊

@ranjit7858 5 лет назад

Sir main apne plot par construction karna hai, home loan k liye mere ko LIC wala bola ki aap full EMI nhi le sakte jab tak pura amt aap get nhi kar te, aur main construction ko continue nhi karwa sakta keo ki Mere job Army neon hai aur main apni leave ke according hi construction karwani hai, kya Esme koi time period rehta hai construction stop na karke continue rakne ka

@ashishjangid8974 2 года назад

Superb in real estate knowledge 💯💯

@AssetYogi 2 года назад

Thanks Ashish.

@MsAkash08 3 года назад

Thanks very helpful

@AssetYogi 3 года назад

Keep learning 😊

@royalone. 3 года назад

Very informative video sir

@AssetYogi 3 года назад

Keep watching

@santanabiswas2696 5 лет назад

Pls,help,mai home loan Lena chati hu,under construction ha,9 month after procession hoga,mai after procession 70% loan amount prepayment karna chati hu,keya ie possible ,hoga chargeable hai ,or nahi, pre emi or full emi konsa option Lena chahiye

@mayanktailor2319 3 года назад

Can I choose Pre-EMI option and pay prepayment monthly, what I could save? This way I can reduce Principle too and reduce burden of Full EMI. Is it possible?

@rajangupta6334 5 лет назад

Sir maine 1 twowheeler finance krai hai indusind bank se jiska loan tenure maine 1 year ka choose kiya tha, lekin glti se unlogo ne loan tenure 3 year ka kr diya aur meri 1st emi bhi ja chuki h, maine agent se bat ki to wo khta hai k mujhe ab isi loan tenure k hisab se emi pay krna pdega, koi procedure hai kya wapas ise 1 year ka krane k liye..? Please reply jrur krna🙏

@navod12 9 месяцев назад

Is part prepayment possible in loan for under construction property?

@jaygandhi4556 2 года назад

is there any difference between part payment and pre-payment ?

@prashantvishwakarma9533 3 года назад

Hello Mukul, thanks for explaining very clearly. In case of full EMI for an under construction property, the EMI calculated in sanctioned amount but interest component the EMI should be on the disbursed amount only. This way loan completes faster. Is this correct?

@souravhajra9386 2 года назад

Yes, you are right. The more amount disburses, the more will be the interest component. And finally, when the full amount disburses, the interest component will be much higher than the principal component. But as you have contributed a significant amount towards the principal component in the part-disbursement stage, the loan will be repaid faster.

@shreys71055 Год назад

@@souravhajra9386 HDFC bank says this is not how it works

@souravhajra9386 Год назад

@@shreys71055 What they say actually?

@shreysoni4117 Год назад

@@souravhajra9386 this is what is was told eg: 40lakh loan and emi - 30k , 1st disbursement 5lakh so emi would be 5k in which principal -500rs and interest - 4500, same for 2nd disbursement 10lkh so till now total 15lkh disbursed now emi will be 10k (p-2000, int-8000) this way principal and interest will keep on increasing and at one point of time were all amt is disbursed then emi will be 30k (p-5000, int - 25k). I still don't think it's correct bcz if I go with full emi then my interest should be on disbursed amt and for initial months principal will be higher but they said this is not correct.

@amolburkule284 7 месяцев назад

Personal loan and home hoan maise konsa pahale close kare

@rishirajtank5577 4 года назад

Very good information.

@AssetYogi 4 года назад

Thankyou

@omkarsalvi3726 Год назад

Loan lene ke Turant bad emi start hota hai kya ? Ready to move flat meh

@bhalchandrapanchal7825 4 года назад

Sir pre emi maximum kitne sal ke liye le sakte hai.

@amisingh4932 4 года назад

Sir mera home loan chal rha h or mere home loan ka interest rate kam ho gya h but EMI kam nhi hui मार्गदर्शन करें

@aayanshparmar1312 11 месяцев назад

Sir.. agar possasion 2 sal ke bad he ..aur emi abhi start kardu full to kya emi tenure Kum ho jayega

@amitdhobi8291 3 года назад

Sir building under construction ho to use me Pmay subsidy milti hai ?

@ramvicky2323 Год назад

I want to know if we pay full emi means , how much difference will come

@VivekKumar-lo8ky 4 года назад

I am looking for video on education loan repayment

@vitalsweat2231 6 лет назад

Solid ....

@nasirshaikh9177 Год назад

Kya ap is example per actual pre emi kitna hoga per month 2165 right

@riviera443 5 лет назад

Thank You

@AssetYogi 5 лет назад

Hope it helps.

@ajaj8398 2 месяца назад

Pre Emi option mein can we make complete pre payment of loan after few years ( assuming sale of another property happens )?

@anuragkashyap7729 Год назад

I have a question. Recently I have got my home loan approved for 50L.first 3 years is moratorium period and next 22 years is loan tenure. Say after 1st 6 months my loan amount is disbursed and I have been paying monthly simple interest, in 7th month if I intimate bank to stop moratorium and start EMI. Bank says I can fix my EMI amount during moratorium. What would be Amount and interest ratio against my fixed EMI?

@durgaprasadkkd Год назад

If builder provides pre-emi offer can we go for that, until handover builder will pay.

@user-mw7mk2jj5j Год назад

Hi Sir, assuming if I have paid 5 lakh total interest from 2020 to 2023 till flat possession Can I claim 200000 (current year home loan interest ) +100000 = total 300000 for next five years in my income tax filling ?

@satyarajvenkat 3 года назад

Hi Sir, Very Nice Information but i've one question , If i go for Pre Emi Option and let say after 6 months I've some lump sum amount available. Can I pay that towards principal and in turn will there be any reduction in EMI once I occupy the property ?

@arpitamandal6469 Год назад

Depends on your bank if it allows for prepayment, yes your tenure will diffenately reduce. Along with interest part which you pay as emi

@SaurabhSharma-uo6np 4 года назад

I've bought under construction property. I have taken loan but want to give some amount from my pocket so ultimately loan amount taken will be less than santioned amount. Now I want to understand which is better option. Pre emi or full emi. If I go with full emi I would not be able to pay from my pocket and I would be ending with taking all santioned amount. If I go with pre emi I'll be paying more interest . Now which is better in this situation.

@shubhamshukla4174 Год назад

Sir Maine 22.3.2016 mein bank se loan liya tha 12 lakh Ka jismein se dispersed amount 8 lakh rupaye tha aur Maine 22 3 2016 Se pre emi Bhari 10 10 2020 Tak Uske bad Mera EMI Shuru Hua sir Kya Mujhe Koi deduction Milega loan mein please reply

@sonalibodare3692 2 года назад

Sir maine home loan liya hai but pre Emi cut ho raha hai but mujhe full emi karna hai to kya kare?

@chiraggupta4714 3 года назад

My property is ready to move, posession and OC is offered, but registry will open after 5 months as per builder. Bank is saying we will run your loan on pre emi till registry? Is that legit and sensible? Loan of Rs 19 laks, roi:6.95, tenure: 20 years

@anandnautiyal24 4 года назад

sir kya hum ek saal baad apna home loan close kar sakte hai .. or agar kar sakte hai to please pura process bta dijiye aap kitna extra pay karna hoga .. please or benifit hai kya nuksaan please repaly amount 30 lac par please