Save LAKHS while paying off LOANS! | Ankur Warikoo Hindi

Подписаться 5 млн

Просмотров 565 тыс.

50% 1

This video comes with notes, check here: bit.ly/3I1gjs1
Download the Excel sheet here: bit.ly/3SHjxqu
When it comes to managing your loans, the question of whether to reduce your EMI or loan tenure can be a tricky one. In this video, I provide a comprehensive approach to understanding the impact of various pre-payment strategies on your overall interest payments and loan duration.
I'll walk you through the intricacies of managing your home loan, emphasizing the significance of early and substantial pre-payments. By the end of this video, you'll have a clearer understanding of how different approaches can help you save on interest and potentially pay off your loan faster.
Don't miss out on this valuable insight into effective loan management. Join me as we explore the options and strategies that can make a significant difference in your financial journey.
#loanmanagement #homeloan #warikoo
------------------------------------------------------------------------------------------------------------------------------
Buy my new book 'MAKE EPIC MONEY' here: amzn.to/3HEShCR
SIP in Stocks with FREE* Demat A/c on INDmoney: indmoney.oneli...
My Money Apps: bit.ly/3Zg56eR
My bestselling books:
‘GET EPIC SHIT DONE’: ankurwarikoo.c...
‘Do Epic Shit’: ankurwarikoo.c...
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
Useful links:
20 books for your 20s: bit.ly/Warikoo...
20 online courses for your 20s: bit.ly/Warikoo...
Gadgets that I use: bit.ly/Warikoo...
The above links are on Amazon.
If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.
Let’s connect online:
🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.c...
📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.c...
📱 Instagram: / ankurwarikoo
🐦 Twitter: / warikoo
👨🏻‍💻 LinkedIn: / warikoo
😄 Facebook: / awarikoo
🖋 Daily Blog: ankurwarikoo.c...

Опубликовано:

29 сен 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 723

@warikoo 7 месяцев назад

Buy my new book 'MAKE EPIC MONEY' here: amzn.to/3HEShCR My Money Apps: bit.ly/3Zg56eR My bestselling books: ‘GET EPIC SHIT DONE’: ankurwarikoo.com/getepicshitdone ‘Do Epic Shit’: ankurwarikoo.com/doepicshit My gear for shooting this video: 🎥 Sony a7III camera: bit.ly/3M42wAV 🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0 🎙 Shure SM7B Microphone: bit.ly/3O1NAVA 🔆 Fill Light 60W: bit.ly/37aJolP 💡 Key Light 150W: bit.ly/3O9nyjs 📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1 Useful links: 20 books for your 20s: bit.ly/WarikooBooks 20 online courses for your 20s: bit.ly/WarikooOnlineCourses Gadgets that I use: bit.ly/WarikooGadgets The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L and in 2022 we contributed 53L.

@EcoEden5 7 месяцев назад

appreciate you a lot

@ashutoshraghuvanshi9784 7 месяцев назад

Link of excel ??

@rohitjalal6060 7 месяцев назад

Excel link??

@vinodk1642 7 месяцев назад

excel link is not working

@abhishekbavadhankar 7 месяцев назад

Banks will hate you for this 😂

@AbhiDaRocker 7 месяцев назад

I remember I pre-closed my “first car” loan which I took from SBI. I prepaid by any amount (whatever was possible). I didn’t do any such calculations, my simple funda was: if I cannot grow my assets by 8.5%, I will not let my liability to grow in that same rate. 😊 Young professionals are lucky as they have these videos to understand finances.

@mayurpanchgam8755 7 месяцев назад

Was it paid early bro ?

@msdadsfsx 7 месяцев назад

u can easily grow asset by 10%

@Murari500 7 месяцев назад

Course cancel kaise kare bhaai 😢

@aurobinda1 7 месяцев назад

Loss for older one as these kind of vedios were not there earlier.

@sunny27jan 7 месяцев назад

Same pinch 🤏

@ShubhamSingh-ly4sq Месяц назад

What a video ❤ ! Just loved thnks a lot sir Bank aise hi aam janta ko fanshate h 😢

@rinkuyadav-mb3th 7 месяцев назад

It does not matter much.. I have played with these calculators multiple times over grow calculator.. Itni EMI bdhane ke liye paise hone b chaiye every month to pay the bank.. The strategy which I used is for first two years I did regressive pre payment but did not reduce tenure but reduced my EMI so that I can use my rest amount and reduce my emi monthly burden.. And after 2 years I did not reduce the emi but reduced tenure so that I pay less interest.. If you will try this on grow calculator then you will realize that no matter what you do total yearly interest varies by very small amount

@pradeepdpatil 7 месяцев назад

Thank you @warikoo. This excel sheet I have been looking for quite some time now. This is really very helpful. Thanks again!! 👍

@harshmittal3438 7 месяцев назад

Mera download nhi ho rha plz help

@pushpeshsingh5257 6 месяцев назад

I'm not able to alter any information it says Read Only option is active??

@dr.kaushikpatel2331 7 месяцев назад

First time it felt like the video was super useful

@ampanna1963 7 месяцев назад

nice and thanks, you excel seems to having issue. Changing any of the repayment plan the revised figure will not change. Interest rate needs to be changed to reflect the revised figures

@ajaypathania9354 7 месяцев назад

@warikoo it was wonderfully explained. Can you please explain if we pay enhanced EMI I.e if the EMI is 50000 and a person pays 60000 what would be the effect on tenure

@mehulmashruwala4647 7 месяцев назад

reduce emi or reduce term woh kese kare ? khud se kar sakte he ya loan agent k through karna padta he ?

@sanket1535 7 месяцев назад

Really nice work 🎉

@imochan20101 7 месяцев назад

How can I make prepayment if I am paying through ECS

@SanketWakekar-df8dx 7 месяцев назад

Sir what is capitalize interest liability in educational loan

@YaminiSahu-b9h 7 месяцев назад

Sir apne interest kaise calculate kiya

@VikramParmar-x4q 7 месяцев назад

Nice video sir ❤

@praveenmuli 7 месяцев назад

Prepayment option is not available in icici bank what can we do?

@botyoutube2022 7 месяцев назад

Same video 1 saal pehle b daale the aap... content nhi mil rha kya aur

@druvakumar1771 7 месяцев назад

Excel download nahi horahaye

@Cristian_M_ 3 месяца назад

To obtain financial freedom, one must either be a business owner, an investor or both, generating passive income particularly weekly or monthly basis. That’s the key to living financially stable.....

@CristinaFox1 3 месяца назад

I want to compliment you, you have said it all. I am a little business owner and I really want to expand my business to the next level by making myself an investor but I really don't know how to go about it..

@thylda7877 3 месяца назад

imagine investing in Btcoin earlier.... You could have been a multi millionaire precently

@aaronferrell3129 3 месяца назад

@@thylda7877 You are right. Been thinking of going into gold and cyptocurrency

@Bireshprema 3 месяца назад

Assets that can make you rich *FX *Btcoin *Stocks *Gold *Real estate

@Muchen218 3 месяца назад

You’re right but a lot of people remain poor due to ignorance

@nikhil2049 7 месяцев назад

So let me tell you dark side of these so called finfluencers, and why you should hire experts only 1) ideally no one is so stupid to take 25 years loan if he can pay in 10 years, so say he takes in 10 years laon emi would be 60k, 20k more than 38-39k of 25yr but interest will be just 22.7L 2) if he goes by Ankur route then increasing 10% emi every year and 1lkh around yearly 4-5 yr ur emi will be same as 10yr loan emi around 60k and after that every year its going to more then the 10yr intial loan emi only in 7-8yr ur actually paying more then double the emi, where as u could have just taken 60k for whole tenure Understand simple compounding take laon 1-2yr plus only of ur intended duration as company are not fool and they take intrest first in intial years so that these gyani guru smartness is defeated 😂hence doing full duration is best in every context any queries happy to answer

@sunnysahu13 7 месяцев назад

So what should we do?

@nikhil2049 7 месяцев назад

@@sunnysahu13 as mentioned in point one take loan for the duration you tend to complete and dont touch it after 2-3 yr has passed as u now paid almost max intrest already, invest the bonus if any in equity

@shreyaskinariwala 7 месяцев назад

Nonsense video , agar 10 saal me repay karna ki takat hai toh loan tenure kam ka lo na starting se hi, itna time and energy q wastage karna hai, and agar loan 25 years ka lene k baad income bardhti hai toh sip shuru kar do aur 10 saal uske returns se loan chuka do and still paise bachenge aapke paas

@malarvizhikasi1483 7 месяцев назад

Nobody explains it better than Mr Warikoo. Thanks for the content. Have been learning a lot !

@kundanlohar9687 2 месяца назад

Dear sir i have HDFC home loan the bank doesnot allow to pre payment or any kind of partial payment as you said only option is to pay in % of total amt in particular time which is not possible for large amt of principal~40lac. Kindly suggest me should i transfer my loan account to sbi or pnb or any other bank so that i can plan as u expained. 5 yrs already passed plz help

@jayesh6960 7 месяцев назад

One one of the worst video I have ever seen worst influencer ever you have not selected my friend that’s too bad. He was worth. It totally worth it. He was from Jabalpur,Ranchi

@m63gaming19 7 месяцев назад

Jaldi se comment kar deta hun likes mil jayenge😂😂😂

@gurdeepsingh2837 7 месяцев назад

The key takeaways are: a.) When "compounding" takes on with "compounding" it is only "break-even" that is left as a result. b.) The additional EMI or increased EMI amount that we pay to the bank in the initial months is "valuable" money vs. "invaluable" or "devalued" money that we keep paying till the term ends (due to inflation). So, it's a matter of choice what route you wish to go. If you think you could have invested that extra (valuable) money that you've saved (by not paying to the bank in the initail months) & could have earned more "compounded" profit out of it (compared to what you would have paid to the bank), then yeah that's your call. Otherwise, it is always a better idea to pay that money to the bank instead to close your loan early. Nevertheless, excellent content as always! Thanks for dedicating time to record this and share with the audience!

@taruntanmay9431 7 месяцев назад

Great explanation on confusion between pre closure of loan vs Investing that same money. 👍🏻

@anuragnigam 7 месяцев назад

Can you also explain any preferred tactic on how to deal with Banks when the interest rates increase due to changes in repo rate. While I continue to add an additional monthly amount, my tenure keeps increasing increasing. My monthly EMI remains fixed.

@gurdeepsingh2837 7 месяцев назад

@@anuragnigam Although, Im not very sure about it. This may vary bank to bank. But you can ask your bank to fix your interest rate by paying a fixed amount of money. Your interest then turns from floating to fixed. Additionally, the rates are expected to fall in the 3rd quarter this year, anyway. Due to various economic factors. No financial advice, though.

@opticgamer1543 7 месяцев назад

@@anuragnigamif your bank is private like indiabulls, shri ram finace plzz transfer that to any govt. bank . my father was also scammed by indiabulls bcoz they kept on incresing loan tenure every year.. but after transfering to pnb housing loan tenure is same from 2 years..

@kamalpreetsingh295 7 месяцев назад

Sir i have lot respect for you because you are the only creater who actually sloves problem. My parents just planning to buy a house but as my parents are old and they don't know much about finance things so it always been a my responsibility to know which thing will work best for us through your video i gather really important information about finance and life I'm just 19 years old but because of you i understand one thing very early in life is if i wanna be someone who improve his life first i have to fix finance.( I don't know if you gonna read this but you mean a lot sir😊.)

@MaverickSnehal 7 месяцев назад

bro isnt able to increase YOY revenue thru YT enough so old videos with new ChatGPT driven Thunbnails.....bhai is actually out of content but cant push stocks n MFs much due to ban by SEBI on forced selling so called YT influencers !!

@warikoo 7 месяцев назад

It seems you are new to my content. If not you would know that my content is repetitive by design. I am a teacher teaching a class with a set course. Once my content becomes repetitive it means you have gone through what I had to teach and you should move to another teacher, while I bring another student to the class. And when have I shared stocks? I only teach how to invest and manage your money.

@MaverickSnehal 7 месяцев назад

@@warikoo YT is public platform and everyone shouldbe open to constructive criticism, looks like you are losing the narrative while replying by asking me to find new teacher, i dont any new teacher as I do know these formulae. Keep yourself open to criticism Ankur, dont be close minded....rest upto ya !

@prakashsalian5265 7 месяцев назад

Sir 10% hike in emi every year just looks hypothetical. Yearly increment is somewhat in the range of 8-10%😂

@ashutoshmaandal 7 месяцев назад

Bhai sahab ek hi video ko baar baar chipkate hai😂😂😂

@garvitvijayvargiya2892 7 месяцев назад

Don't prepay, instead invest that extra money in a scheme providing higher interest rate than loan interest rate and see the magic of compounding 😁

@tezzpavar5849 7 месяцев назад

@warikoo Sir, Looks like you missed you to add the EMI calculator sheet. I am not able to find that. Please add it. Thanks!

@pawankamble1594 6 месяцев назад

I'm also looking for the same.

@GMZone109 6 месяцев назад

When I need to refer any point from your video, I can just browse and in just a second I can get what I need, don't have to wait on an ad when I'm actually in a rush. At times when ads pop-up while browsing important financial stuff, it is so annoying. Thank you for not monetizing youtube. You are amazing.

@akshaypawar1652 4 месяца назад

That is why you purchase RU-vid premium 😂

@sivaprasad23 7 месяцев назад

Sir, a small confusion, instead of repaying.. why can’t we invest in mutual funds or some other investment which is actually giving more than loan % interest??

@TheBhavesh123 7 месяцев назад

Here you will save 8 or 9% for sure, mutual funds carry risk with it, investing in mutual funds is not a bad idea but please do calculate how much you will save here and how much you will earn in mutual funds, compare the difference and see if the difference is worth the risk

@Farazqofficial 7 месяцев назад

I saw this video on your channel year back as well. Looks like content is being repeated on your channel

@scoobydoobydoo9561 7 месяцев назад

Thank you so much. I had been trying to understand this myself, this video will help me clear my home loan

@fahimakhtar7496 7 месяцев назад

Hi Ankur - I have one doubt. which is better. paying 50,000 extra per month to close the home loan or investing the same amount for the same period. for example, if I have a 50 Lakhs home loan and I want to close it ASAP. my pocket allows me to pay 50000 extra per month. in that case, what will be the best option paying 50000 extra per month to reduce the principal or investing that same amount in somewhere like a mutual fund. If possible please reply. Thanks a lot for all your informative videos.

@tainukihai9830 7 месяцев назад

Very good question

@ronakparmar8256 7 месяцев назад

Hello sir Thank you for guidance Mene home loan abhi 36 lac Ka liya hai mene 20 year ka loan liya hai. Emi 31 k hai Me 45k pay kar sakta hu to me Emi 45k karu k side me sip karu.?

@harshitsingh6577 5 месяцев назад

Sir , floating rate p kaise calculate

@amanasija28 7 месяцев назад

Quick Question: Where do I get to download the best scenario excel sheet? The one that described 25 yr loan to be paid in 10 yrs only.

@alakeshgangwal5861 7 месяцев назад

Thank you, Ankur Sir for detailed video. Although, this is an incomplete video. There are 2 more scenarios that are in the reduced EMI Option. 1) Additional Reinvestment of the reduced EMI amount in the Loan Principal Amount 2) Investment of reduced EMI Amount in equity market (Stocks / MF) at ~12% return. Also, even if we ignore all of this the amount saved in EMI should also be added in the amount saved in addition to interest. I Agree that this might be less than the Reduce Term option but will provide better clarity to all your viewers. Let me know if I am missing any point in understanding this. Thanks.

@warikoo 7 месяцев назад

That’s a great point. Missed this.

@ninjutsurg7438 7 месяцев назад

I believe, Ankur was focusing more on the EMI reduction so in that point of view - this is a great video. Ultimately, maximum people who are paying EMIs - don't have additional money to invest so better to re-pay once they have some additional amount which saves lakhs of interest :-).

@DrMahendrachavan 7 месяцев назад

Sir both points are valid but I still think point no 2 is good to go... Plz make video about it....

@tanmayyadav9870 6 месяцев назад

Hi, ankur The link you provided to download excel sheet is not opening I tried in different diveces but not opening Provide excel in comment or send me on my email ,if comfortable please

@ankit221087 7 месяцев назад

Not able to see the last sheet with 10% increase in EMI. Can you please attach it as well. This is really helpful.

@Rolex_Sir__ 7 месяцев назад

Check out his old vedios of emi calculator … there you can find it

@Murari500 7 месяцев назад

Paise pay ho gya hai sir

@ashimbiswas7878 7 месяцев назад

Today i collect some new knowledge....❤❤❤❤ Thank you sir❤❤

@vikaskumarcreatoryt 7 месяцев назад

सर आपके तत्काल वाली सादी की ढेरो शुभकामनाए कृपया बच्चे को ना धमकाए बच्चे मन के सच्चे होते है। और पहले तो कई लोग बोलते थे भगवान भी होते थे 😂 गाड़ी वाले भैया को छेना कियाई सिर गाना बंद करने बोले है गाड़ी नहीं 😊 हम तो छेना लेते आयेंगे sir 😊 aapke lia 150 rs me Bolo RU-vid Wale ki Jay ......... youtube wale baba ki sadi bar-barwali😜 Thanks you sir

@kartikjain9854 7 месяцев назад

Lagta hai sir ne mera comment maan liya thank you sir.....

@ramshamunawar9360 7 месяцев назад

I have 20 lac for 20 years 39,10,080 lac Emi-16292 7 lac for 10 years 11,34,969 lac Emi-9458 Plss sir give me any tips to save money plsss guysss help😢🙏🙏

@sprsd3 7 месяцев назад

Thanks you. It's a great video and very helpful tool. Loved your previous version of the tools (EMI Calculator, Payoff vs. invest). In the scenario of a home loan for under construction property, loan amount is distributed in tranches for the period of construction thereby changing the loan amount and the EMI for the first few years (2-3 yrs or so). I would love to see how can that calculation be included in the next iteration of this tool :) As always grateful to your contribution and teachings on personal finance.

@ownsis 7 месяцев назад

what if repo rate increases on regular basis which results increased emi...then how does this Excel sheet work..,?? Please reply/explain...

@hotflix9330 7 месяцев назад

This is not correct calculation , because the rate of inflation is not calculated here .. today 1 lakh would be equal to 2 lakh after every Seven year. For example you are paying 20k On rent today in 2024 but you will have to pay 40k on rent after 5-7 years which would be near to 40K in 2030. That’s why Banks gives you the flexibility to choose the options .. Banks are not fools.. 😂😂😂😂

@ShaileshShettyOfficial 7 месяцев назад

Influencers! Stop showing shit calculations just for views. The world and banking has moved on long bank from your shit calculations. Have you heard of interest on reduced principal concept? Now most of the banks charge daily interest based on the EOD loan outstanding. Your interest per day = (Current principal balance on the day * rate of interest /100 )/ Total number of days in year If you pay any day, the interest will reduce from very same day.

@rahulrai-d5t 7 месяцев назад

One thing needs to be considered if the rate is variable then the bank keeps on increasing interest rates in 25 years according to inflation. For eg 8 % rate will increase to 9 %.In this case even if we are reducing emi bank is balancing it with an increased rate.

@shantanupoddar193 7 месяцев назад

Yeah variable interest rate works differently

@ronakshah0906 22 дня назад

Awesome explanation... Thank you very much !!! Could you please also share the additional sheet - for increasing EMI amount ?

@NavdeepSenpai 6 месяцев назад

@Warikoo Sir. Nice and informative video. Could you please advise on below mentioned scenario Question: Should I increase the EMI or do the part payment at the end of the year ? Background: I have a house loan, for which I had increased the EMI and due to this 23 years of term came down to 14 years. The idea is, I didn't want to wait for whole year or may be few months to save the amount for pre-payment and then make the payment to the bank instead I increased the monthly EMI by 30 %. I am planning to increase it by another 20 % next month, is this a good idea or bulk-prepayments are more beneficial ? Please advise.

@dave5797 7 месяцев назад

Hi Mr. Ankur Most of the bank only ask to pay two EMI together no single EMI pre payment is possible, so what option is best for us?

@TheBhavesh123 7 месяцев назад

You can move the loan to another bank which allows prepayments as per wish

@Garg478 7 месяцев назад

@ankurwarikoo. I have to take a loan of 50L. I have investments of 20L in Mutual funds and stocks. Should I liquidate all investments and just take a 30L loan? But I feel this way I will not accumulate my wealth. What should I do? Liquidate some assets and just take a loan on the rest of the amount or take the complete 50L loan and pay off some extra EMIs through the interest that I earn every year? What would you suggest?

@YurekaTechnology 7 месяцев назад

Thank you sir for giving valuable information. I will try to do same practice.

@clashofkingswb8513 7 месяцев назад

If you invest that 38591 rupees in mutual fund with a return rate of 10%, then after 20 yrs you will have 24 lakhs in your hand. So you can earn 10 lakhs extra rupees by not prepaying the bank.

@AbhishekKumbhani 7 месяцев назад

One of the most effective strategies for managing loan repayment is to prioritize prepayment when faced with surplus funds. The rationale behind this strategy is straightforward: if the return on investment (ROI) from alternate uses of the surplus funds is lower than the interest rate associated with the loan's EMIs, it is financially prudent to allocate those funds towards reducing the loan principal. Ex. Let say you have a loan at 8% Interest rate per annum. If you have ₹1,00,000 surplus fund, try to generate more than 8% (₹8,000) income per year from them. If you can't do so, always pre-pay your loan first!

@mayankagrawal8393 7 месяцев назад

Warikoo Ji, what if I've taken a loan of 50 lacs, and somehow manage to pay an amount to such an extent where my annual interest comes up till 2 lac Rs, the same will be taken care of by the govt then...my EMIs continue....but no more interest is charged on me...the principal amount also starts to reduce gradually then......I can use that money somewhere else and gain better returns. Please share your thouhts

@namanmahajan5317 Месяц назад

Tbh u can't n won't ever be paying off 100k for a 38k emi. So paying off in 10 years isn't practical until n unless u have increased ur earnings multiple folds

@777vikas Месяц назад

@Warikoo Dear Sir, If you reply to comments, then it is please requested to provide the fresh link for excel sheet download. Link in your video and comment is not working

@sagarshah2031 7 месяцев назад

Its possible if our salary gets increase more min 15-20% every year Because say for example if we increase 10% every year and our salary increases by 5-10% only then then we don't get anything or to go by any other planning 😕

@_prajwal_rk 7 месяцев назад

love you sir for providing free financial knowledge which is necessary to each and everyone especially 20's

@SumitSaha-hr4cr Месяц назад

@warikoo - Hi Ankur Sir. Please let me know as I have done with my 3 years of home loan and now I would want to increase my home loan amount by 10% and pay 1 month extra every year. How will that be feasible and how the sheet going to help in this case?

@mitbhanushali2097 5 месяцев назад

@warikoo thanks for explaining this very well but what about the charges bank take when you pay One Emi every year as a prepayment and also bank does not give you option to increase your EMI by 10% every year

@paragparmar426 7 месяцев назад

Is it better to put in 50k as additional payment towards loan every year or have sip of 50k per year in MF? Will we save more by investing and compounding or by payoff and saving?

@Meaningfullive 7 месяцев назад

Thank u so much U are a inspiration sir I taken a loan of Rs 3940000 For 15 years tenure a emi of Rs 39500/- every month As my building is under Construction so bank disbursed Rs 3300000 so far And bank is charging me A per emi interest only for Rs 24000 every month I paid the Pre emi interest from last 7 months Need to know whether I need to pay extra then I committed for 15 years on the same amount of Rs 3940000 Or I will pay extra then this with this pre emi interest Please suggest sir ❤

@rushi_artworks 6 месяцев назад

@warikoo Does bank allow us to pay extra every year?? coz i think there are some rules and regulations when it comes to repayment or paying extra money. other user please pitch in if you had some knowledge about this. thank you if advance🙏

@praseedparam 7 месяцев назад

Thaz why you should not follow and take these RU-vidr and Instagram influencer seriously 😅.

@yashwanthkr5204 7 месяцев назад

What if we invest the extra amount in the mutual funds considering the return as 12% (which I think is fair) and considering i have a home loan at 8.5% ,will this be a good idea ?

@sagarujjainwal7292 7 месяцев назад

Abhi complaint krta hu Finance ministry me. Sitharaman ji tera budget nikalengi ache se. 😂😂😂😂

@deepakchawla1112 4 месяца назад

Hey Hope you are doing good....i am not able to download excel...it would be great if you can give edit access...Thanks in Advance

@madhugowda3726 7 месяцев назад

Warikoo ji.. you explained it so nicely, that even a common man can understand and execute. thank you so much for all your help. This helped me plan my finance better. God bless you.. and lots of love.

@kalpakshirode 6 месяцев назад

Hi sir, can you just make a video on home loan protection insurance. As in open market much information is not available. Bankers just say that do it for loan protection, n people do it as premium given by sales person. But we need more information on it. Pros n cons. Urgently if you could provide. As I want to do it on urgent basis.

@phuntsogangdu2617 7 месяцев назад

I have a question sir. If we pay a big amount at the end of a year for my personal loan then bank will charge some fees for making big instalment/ loan payment?Explain sir if you got it😁.

@dnimbokar4511 7 месяцев назад

Thanks sir...its eye opener...I want ur video on study loan...I have availed it for my daughter.she is studying and in first year at abroad university..can u pl broadcast pl

@TEJYOG1212 6 месяцев назад

@warikoo what is your take on reducing Interest of the loan by paying Bank 3-4k every year Bank calls and gives this option to Loan holders

@navinpatil3725 4 месяца назад

What about tax saving due to home loan which is yearly giving relief of about 2 Lakhs in Income Tax?

@AmitSarkar-s9f Месяц назад

Sir, in your calculations interest rate is fixed but now a days interest rate is flexible. In that scenario I think this will not act like you said.. what would be the possible way to repay the loan faster if loan is availed in flexi rate?? Please let me know.. Thank you.

@AmitSarkar-s9f Месяц назад

@gauravshrivastava7096 6 месяцев назад

I couldn’t find the excel sheet for last part ( 10 percent increase every year and 1 extra payment). Can you please drop the link here ? Thanks 🙏

@trendingbharat47 7 месяцев назад

Great video by the way. Best advise is don't buy a house on loan. Stay on rent, you'll save more than it is mentioned in this video. Better to spend on your lifestyle, health and personal growth. Reasons you should not buy a house: 1. There's no guarantee of life and nobody can predict if you'd be alive for next 25 years. 2. If you think you'll buy house for your future generation then first think that are you staying in the same house where your father and grandfather used to live. Your next generation will be capable to pay their own bills. 3. You can use the same money to invest somewhere so that you can have a secured retirement. 4. There are many more reason to not to buy a house. This is a big middle class trap. Many billionaires still live in a rented house. Nobody will tell you this hack.

@venky150cc 7 месяцев назад

billionaires live in rented house becz they loads of money, but not middle class. Owning a house for a middle class family means a lot; rather spending rents for 30 K you can just pay the same amount to own a house

@noneedofname 7 месяцев назад

Why obsessed with those shitty, cringey AI thumbnails, Waricrew? 😢

@paragvyas3423 28 дней назад

Reduce term or reduce emi . Bank to EMI hi reduce krega na kyoki uska fayda h . Reduce term wala option kese kare?????

@digbijoydas9401 4 месяца назад

@warikoo EMI Payment calculator sheet not in the video link, could you please share the same?

@pra_veen8711 5 месяцев назад

Thanks for sharing detailed calculation, Can you please share EMI calculator sheet as am not able to see any link for that. Thanks !

@santoshchaudhari8137 Месяц назад

My monthlt emi is 14207 but i pay 17000 monthly Does it make difference ?

@ashok_sandhyala 6 месяцев назад

Unable to edit intrest rate with decimal values . like current interest rate you mentioned is 8% we could not be able to make it 8.2% can you please update accordingly?

@sachinbaghel753 6 месяцев назад

Kya hume permission Leni padegi extra EMI pay karne ke liye aur 10% increased EMI pay karne ke liye from bank ya hum apne aap se hi bhar sakte h

@TarunChaudhary_dhm Месяц назад

Whaooooo😊 ab main yeh formula karunga apne home loan. Par.... But sir what if I m in staff roi and I am just paying intrest amount initially

@nargissultana7146 5 минут назад

How is it possible to change the EMI amount so many time?

@mathematicsmind8648 4 месяца назад

My home loan duration 23 yrs, just 6yrs past... Can this help me to reduce my tenure??

@akshaymore1494 6 месяцев назад

Can anyone please provide me the download link of the Excel sheet bcoz I tried so many times but there is no option showing to download the sheet..

@lingrajbiradar4416 26 дней назад

After paying any extra EMI or any lumsum amount.. do we need to inform the bank about it ??

@eyeamonlin3 7 месяцев назад

If i invest the 50000 in mutual funds, it will be around 4 lac in 24 years @8%

@ajinkyapalande85 4 месяца назад

Insted of that add in sip/mf, shares, business, learning. This make extra income after retirement.

@arindamnath218 2 месяца назад

How do I contact you regarding the solution of my financial problems?

@sanjayrahul1232 Месяц назад

Thanks for the valuable information. Can you please grant access to edit the sheet.

@zahidjamani 4 месяца назад

Great video .Is it beater to pay home loan first or to invest money in some fund .Considering the savings in the interest made for home loan due to extra payments ,would this offset the gains in other investments for the same amount please? Thanks