అతి తక్కువ Timeలో Home Loan🏠 Clear చెయ్యడం ఎలా? Repayment Strategy With Free Advanced Calculator🧮
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thank you sir
Thank you very much sir. But bonus will pay only as priciple or EMI
Thank you so much 💓
Sai Annagaru your smile face is too good while you are talking.
Sir, I see additional emi sheet is protected..May I know the password
mee valla, oka term insurance oka health insurance teeskunna, index funds lo sip chesthunna, ippudu home loan kosam chusthunna. ee video helped me to think on loan vs intrest rates. thanks Sai garu u helped me a lot, god bless u n ur family. thanks a lot anthakanna em cheppa Lenu
Hey Vikranth could you please guide me ?
@@VijayNaramalli what do you need
Brother sip which app
Provide more details on sip mutual fund and which app brother
@@paparaoGunji mirae esset elss large cap, axis large cap, tata mid cap. In zerodha coin
I just want to add a point here:
when you are paying additional amount, You shall tell the bank staff "Partial Pay off " and ask them what are the pre payment charges and decide.
If you directly pay the amount it will goes to advance payment, which makes u loss. advance payment means you are paying further EMIs in advance. 👍🏽
Very good point., i experienced this
But as per RBI if we took loan with floating interest then it won’t be having any prepayment charges
Tq
Any idea how it will be considered if it is made online?
@@vpadmini9398 if you pay amount online , it will be considered as advance payment, few banks provides partial pay off option in online banking..if not available, visit your branch 👍🏽
చాలా వివరంగా చెప్పారు...👏👏👏....Money Purse channel ఇచ్చే Financial Knowledge తో నా ఆర్థిక జీవన విధానం ఖచ్చితంగా మారుతుందని నమ్ముతున్నాను...👍....కృతజ్ఞతలు...🙏🙏🙏
Thanks Sai garu and Money purse Team for detailed info HL repayment strategy. But if we prepay HL, you didnt mention about losing the benefit Tax exemption of 80C and Section 24 and 80EEA. Pls clarify this.
Thank you Money Purse team for a beautiful video as per current situation around the world 👍
Most Welcome andi
@@MoneyPurse can personal loan pay fast like this method pls give reply sir 🙏🙏🙏🙏🙏
Sir explanation chala bavundhi. But meru ichina sheet sariga work avatam ledhu. Ani wrong values vasthunayi even yellow cells em disturb cheyaledhu
Reall ga chala chala bavundi Saigaru, adhbhutam ayina, practicale informations share chesaru, I am also do this for reducing my house loan interest , thanks a lot
Most Welcome andi
Sir, thanks for this,
already loan తీసుకున్నాక మధ్యలో interest change ite Ela claculate చేయాలి pls oka వీడియో చేయగలరు అలాగే excel sheet provide చేయగలరా....
Hi sai anna, you are really god in the form of financial advisor to all telugu loving people.
Thanks a lot for providing valuable information.
If all your videos are followed by the people of 30's, they can create lot of wealth.
I missed in 30's as no technology at that point of time.
Now, i am trying to make up with the support of money purse.
Once again, thank you very much for your support
Your efforts are much appreciated Sai Garu.
Keep doing videos on Financial knowledge for us. Thank you for the excel.
Hi Sai garu, Kudirte NRI loans, investments inka retirement plans gurinchi oka series cheyandi
Sai Garu thanks much for the calculator, its really helpful for planning and sticking to the plan....one request, in the incremental sheet, annual incremental emi by % cell is locked...not allowing to enter values...pls unlock, so that it will be much helpful for people to plan based on their cash flow
Sir, from where can I download excel?
Aslu link open chesthe m kanipinchatledhu
Thanks for the weekend video sir 🙏
Please make a separate video on all stocks which are suggested one year back. It would be kind of review video and share your present view on those stocks.
Your dedication towards work is inspirational to all of us.
Thanks a lot sir!
Excellent knowledge you have provided Sai Garu. Thank you so much for the detailed video.
Ur suggesting good financial earnings in repayment of housing loan ....its too good
Worthfull vedio.... Please let us know about debt funds clearly.
We have already uploaded
one more strategy is also there..the 10% of EMI if we invest in Equity MF with 12% return...will also be another useful one..in this case its 4,500 pm in equity SIP the result is 45L..so its almost same as interest component..
In fact my first video I saw in our channel is related to first home loan video shared by a friend in one of the WhatsApp group... Almost 1.5 years back. After that I realised what I missed during my initial days of investing. Thank you for entire money purse family...
Awesome video. But when we try to make 13th EMI, just have an awareness that how much minimum amount would be considering by the either bank or NBFC to make the payment. Every financial organization will have different minimum amounts for partial principal payment. Example, LIC HFL is 50k, HDFC is 75k like this. Before you make plan to prepare your 13th EMI just check with your loan vendor.
HDFC accepts pre-payment only if the amount that you wanted to pre-pay is more than 3 months EMI
Excellent strategy...
Hi Sai garu, I really liked your calculator.
One thing it is missing is it is not accepting decimal points in "Interest". If you could add that I would really appriceate it.
Thanks.
Hai sai anna.
I am getting vexed to thank you...but can't avoid as you people are boosting us every time with your transparency in sharing the financial knowledge, social awareness...
I want to intimate that in shared workbook password had been protected in incremental sheet even for yellow 💛 colour highlighted cell ...
Plz share updated
As usual great useful content from money purse. Thank you so much sir
3 months back took home loan. Along with paying emi, started 5k investing in small cap fund.
I am following investment strategy
simple ways in Home loan we are paying (principal + Interest + principal) = home loan
Your calculations are really valuable and helped me for long run analysis
The point which i loved the most in this video is *Discipline*.. Thank you so much for the video MoneyPurse family.. 🤗
Sai garu malle weight gain avuthunaru anukunta......Covid time lo health gurinchi concious ga unnaru. Malle apesinatlu unnaru dieting...
Please make a video on Flat vs Reducing interest Loan for home loan.. with a few Reducing interest loans for home...
Meeru chesthunna ee hardwork ki, analysis ki ee free advices ki take a bow sir
hi sai..its very useful information..now I understand how to repay the loans 🙂
Hello, good video to increase knowledge on financial management among general public. You probably missed one imp factor for considering repayment of home loan and that is INFLATION. Do you really think it's a wise idea considering this factor to repay home loan sooner???
Thanks Sai Garu, i already started second strategy i.e investment plan.. this knowledge gain with MoneyPurse only
Hi Sai garu,
I am a regular follower. It’s my observation but not criticism…no much difference between the last 2yrs back video and this video.
I just got refreshed my memory. That’s all. Thanks for the video.
Sir provide us good equity and index funds for longterm 20years make a video on that please its helps a lot of people like us..
very helpful information...I have one doubt. Can you please clarify on that..If we change Loan amount from one Bank to another bank(less interest) in the middle..is it OK?
Thats great calculation Sai garu.. howabout the TAX on the investment.. adu meru check chesi chepandi.. Pls.. love ur videos..
Thank u soo much for the calculator and creating awareness Money purse Team . Last line " In Excel u can create magic.but real life lo practice chesthene work avthundhi Ani chepparu ....That line is superb and most valuable information . Special Thanks to Sai sir ...!!
Thank you for the lovely educational session. You are one of the exceptional teacher when it comes to Financial topics. Thank you for sharing the excel however, this excel that you shared is in protected mode and requires a password. Please share the password.
Sir, I watch your channel regularly, Please I request you to upload videos relating POST RETIREMENT INVESTMENTS and their risks involved , as RETIREMENT proceeds are the only source for livelihood, and how corpus can be kept in tact and what we earn on it can be used for daily uses.
Secondly, please suggest post retirement pension annuities available in the market and their risk involved.
With thanks and regards
Make ur presentation with reference to Net Present Value method on cash outflows which would be more prudent and practical.
Meeru cheppedi mortgage loan ki varthiste danipai evaru cheppadam ledu alage mortgage loan EMI pai kuda oka vedio cheyandi with Excel sheet
Yes my home loan interest increased from 10000 to 13000 due to increase of interest rate to 9% in union Bank
Very informative sir, thank you so much for providing financial knowledge to all.
Thanks a lot. Can't thank you enough for this knowledge. Really helpful to understand financial savings on loans for financial illiterate like me. Thank you.
Hi Sai Garu,
Can you also provide analysis of the relatively new home loan products like SBI MaxGain, BoB Advantage home loan? This will help us understand more on when these products are beneficial, especially needed in current scenario where interest rates are very high.
Thank you for all your videos andi. Super helpful !
Hi Saigaru..thank you so much for your dedicated work.we are following your financial advices.🙏🙏
Most welcome and all the best
@@MoneyPurse can personal loan pay fast like this method pls reply sir
Hi sir,
మంత్లీ ఇన్కమ్ ప్లాన్ కోసం చెప్పండి సార్ ప్లీజ్
Right time right video thanks sai garu
Hi Sai Garu, thanks for teaching financial knowledge, i have one doubt in Excel sheet, what ever income we are generating by investing additional home loan amount in equities,but we have to pay tax for the what's ever income got from the equity then our savings will reduce, pls correct me i am right here
Hello Sai Garu, Can you help me with a Excel,like when for 1st 2 years..the interest rate is 7% , later bank interest rate is increased/decreased to 6% in 3 rd year, like this whenever interest rate changes..i should be able to adjust my EMI and along with this some banks charge Interest rate above 75 lakhs as 9% and below 75 lakhs as 7.5%. If my HomeLoan is 90 lakhs and I paid 15 lakhs then my home loan falls below 75 lakhs, then if i transfer this homeloan to other bank then since i am taking loan below 75 lakhs now,then interest % will vary. Again it has to recalculate the interest paid. Thank you for your good financial videos.
I am also looking for this type of calculator
Thanks brother for a superb video with excel sheet.
Gained so much from it.
🙏sir. Home lone early ga clear cheseka manaki incom tax problem vosthundhikada sir. Appudu manam yemicheyali. Yenni LIC lu SIPs unnakudaa tax problem vosthundhi kada sir. Home lone clear cheseka taxes yela clear chesukovalo oka video cheyandi sir. Yendukanta almost yevarikayena lone clear cheyalante time paduthundhi sir.
super ga cheparu సాయి గారు
Thank You andi
Instead increasing every year and invest same money in sip and end you can save full interest also
👍🔜⬇️↙️
𝐖𝐡𝐚𝐭𝐬𝐀𝐩𝐩±𝟏𝟑𝟏𝟔𝟐𝟐𝟔𝟏𝟔𝟔𝟎
I am big follower of Money Purse, sir small suggestion my side
I have gone through the excel sheet, if you add an option to start date of the loan, this will be more helpful to everyone
Hope my suggestion is good
Sir plz send me details due to I am not unable to download your valuble explained 🙏
13:26 🔥🔥
Sorry to say Sai garu, same old content. But useful, like revision of old videos at right time.
Skip 3:36 sec actual content start after that
🤝😊
Watch video after 4:45
Sai garu first me video like chesina taruvathe video chusthanu in any topic
Thank you so much sai garu and team for sharing valuable information with easy calculations amd sharing the tool, which is very much useful to all of us.
Sai Garu how to select a best home loan ? Oka video cheyagarala Pls..e bank ni select Chussukovvali .. Chessukettapudu emmemi chuddali
Sai garu, thanks a lot for the excellent learning video on this weekend. I am always greatful to you sai garu.🙏🙏🙏
Sai garu, house buying decisions kosam meri create chesina excel lo columns width increase cheyalekapothunam. So danivalla amount sariga kanipinchadam ledu. A excel ni column width edit chesai laga excel ni modify chesi malli mana telegram channel lo post cheyandi
Hi anna. Thanks for the valued info. Thanks for your efforts. I have one question. How come we can gain if the loan is 9% and investment is in 7%
calculator can't find here, can you please share in comments
Sai Garu, thank you very much for sharing such a valuable information.
Most of us are not clear about taxation. It would help us a lot if you share information on taxation on gains and losses.
Thanks!
Very useful information thanks a lot for sharing the Excel sheet
Great work for sharing and educating us sir,
I am in need to take home loan but pmay is not available this FY2022-23 anta Ani banker's telling. Kindly guide about alternate resources for subsidy if any sir.
Good Evening to Money Purse Team
I have a query which is the better option out of the below statements
1. Increasing the emi either 5 or 10% annually
2. Keeping the emi as same but paying out the lumpsum amount
Calculator is awesome thanks sai garu
Sir, మేము , Financial investment చేయాలనుకున్నాను. మీతో ఫోన్లో investment గురుంచి మాట్లాడవచ్చు నా. please respond. TQ
SAI GARU , meeru sheet provide chesaru but protected sheets valana maku use ledhu sir
Very good information bro..
I got better suggestions and support from your vedio
Thanks a lot
Ty sai sir, depth of this video only knows who bear the home loan. it's Very helpful to me personally.
Not impressed. After taking loan there is no chance of repay additional funds. Not at all possible.
Sir rental income tho emi clear cheyadanki plan ela cheskovali entha home loan teskovali
Very good video Sai Garu. Will be helpful to many people. Keep up the good work Money purse team.
Hi Sai garu and team, thanks for an amazing video. I have downloaded the Excel file from your telegram channel but I am unable to modify the annual incremental emi by % cell which is fixed to 6% in the Incremental sheet so please provide a revised file and also I have noticed that if I input interest rate as 8.6%, it is showing as 9% so give formatting edit permission and If possible provide an unprotected file. 🤝👍👏
Hello Sir, Please provide the home loan excel calculator
Sir I am already following and I am very thankful for this information.
Very good explanation thank you Sai gaaru.
Sai garu, please provide a calculation where iam paying 50K for the past 18 months against the standard EMI. My loan value and tenure is 50L for 20 years..
Same type of video nenu home loan series lo chusina anna 😝😝 past lo mana moneypurse channel lo ne
Yes Bro, we have done lot of changes in the sheet compared to previous one
Anna sahara housing lo invest chesina vala paristhithi entidi anna? If ah amount return thiskovali ante ah procedure explain cheyara pls? Dheeniki kuda answer cheyandi kada anna pls, meet up nundi try chestuna ee question meet up lo avakasam raledu, akka anna oka slip lo kuda rasi ichina tharvatha cover chestaru ani. Daily money show lo kuda adguthuna
Please answer this question
God will bless you anna😍 helps me alot for planning financially
Hello Sir, This is the daughter of Hemantha Pattila from Reliance Mutual Fund. Really love your videos and content. Can you please provide the calculator as a google sheet or some kind of online version because I don't have access to excel. Thanks in advance.
Ma mam ki naku 37k total salary vastdhi but ma total emis 11k
Money saripovtle any adviced ivvandi
Very much appreciated for the valuable money saving video andi . Tq and keep posting like these informative videos
Sai garu previous ga chepparu kada! Immediately apartment konandi.. Meeku benefit
Worth video to watch. Thank you as always Sai garu. 🙏. Sharing in my friends groups.
One tip..
Investment should be done in the name of spouse so that tax will be saved up to basic exemption...
Waiting Sai Garu. Awaited video from Money purse team. Thank you for your efforts.
Most Welcome andi
HI andi
If possible please explain about Home Loan Pre closure with example.
Thank You.
Sai గారు.....నేను నాకు తెలియకుండా ఒకరి లోన్ లో గ్యారెంటిరీర్ గా ఉన్నాను అని cibil స్కోర్ 650 కి తగ్గిన తరువాత కానీ తెలియలేదు.....I need ahome lone,but no 'civil score'how improve my score tell me......sir
Sir nenu Fullerton lo mortgage loan theesukunnaanu , 400000 Rs so 6 years term , nenu kooda meeru cheppinattu ga clar cheyyochha sir , cheppandi pls .
Sir meku vadhanam chala baga chepandi
Thankyou sir this is very helpfull video for me..
Thank you so much Sai garu for such useful tips and strategies.
@Money Purse: i am not able to download the excel calculator,can you please share the link to download
What a format superb, tq tq very much to all team