Calculation : પૈસાની સગવડ હોય તો વધુ EMI ભરવી કે રોકાણ કરવું? | Ek Vaat Kau
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- čas přidán 17. 01. 2023
- Calculation : પૈસાની સગવડ હોય તો વધુ EMI ભરવી કે રોકાણ કરવું? | Ek Vaat Kau
20 વર્ષની Home Loan 12 વર્ષમાં પૂરી કરી દો, જાણો જોરદાર ગણતરી | EK Vaat Kau
• 20 વર્ષની Home Loan 12...
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મેં already મારી 20 વરસ ની લોન ને 13 વરસ ની કરી દીધી છે એકપણ EMI વધુ ભર્યા વગર જ ફક્ત શરૂઆત ના 4 વરસ દરમિયાન જ હવે ફક્ત 8 વરસ 10 મહિના બાકી રહ્યા છે બાકી EMERGENCY ફંડ ને Market ma લગાડી ને સારું એવું 30%થી 40% જેટલું રિટર્ન મેળવી ચૂક્યો છું છેલ્લા 2 વરસ માં જ
Stock market saru ke sip ma rokan karavu
Thanks 😊
Thanks
Amazing speech and very useful as well.
Thank you bhai
Well explained
👍 superb understanding ❤️
I watched your video from Australia and really like and understand easily all the formula which you suggest. Thank for sharing nice and helpful ideas for everyone.
Easy way of explaining gunjbhai.
Keep posting such things
Nice
tamari darek mahiti bahu j kamni hoy che and Thank you so much tame bahu j simple language ma samjavo cho Eni mate, 😊
Great information
Good
Good nolaj sir ji👍
Great Information 👍💯
Good information 👍
Right
Gunj bhai perfect solution deto ho aap thank you 🙏
Great bhai
Thanks 🇮🇳
Wahhh
Super
Good I appreciate💕
Very informative 👍
Very good
Good information
Super fine
Very nyc
Mast
Very useful information gunj thakkar sir good comparation teach us by u. sip v/s emi which is best? And it is difference for every person according to there plan thank u
Good informational video
I want to give an one add on point of taxation on income
Mutual income are being taxed while home loan will get deduction if l you have opted for old scheme
👌👌👌👍👍👍
👍👍👍👌🏻👌🏻💐
ગુંજભાઈ....જો તમે Loan Amount ના 0.10% ની SIP કરાવો છો Loan Tenure સમય સુધી તો Loan Amount વ્યાજ સાથે મૂડી થઈ જાય છે.તો SIP જ કરવી જોઈએ.
Very very nice.
Hu home loan bharva try karise..
Gunaj Bhai 👍👍 to good
Very helpful sir but we also have to take into consider the tax benefit we have from homeloan.
But if centrer government in future income tax regime change and do not
Give tex benefit in future on home loans internet etc. Thats hepens
Ty gunj bhai હું આ ટોપિક પર વિચારી રહી હતી અને ત્યાં તમારો વિડીયો મળ્યો....આભાર 🙏
Welcome 😁
Kunj bhai solar system thi kV ritepaisha kamavau samjavajo
Hello sir 1 video udhaym ragistration form fill kese kare uske bare me banke daliye
Gunj bhai,
One most important think is that in comparison of homeloan repayment vs SIP , we should also consider income tax benifit on interest up to 200,000 INR per year.
જો તમે ટેક્સ સેવિંગ ફંડ માં SIP કરો છો તો તમને ૧,૫૦,૦૦૦/- સુધી નો ફાયદો થાય છે.
@@purvishkachhadiya
Yes but it's u/s 80 C . However my point is on home loan interest which is u/s 24.
Yes he is missing this whole income tax benifit point in whole conversation. I think that should also consider while doing any comparison
You get maximum upto 60000 benefit on interest component.
@@energyinfinity he was in a bit hurry 😃
Such a good informative video gunjbhai.
I did also had the same point when I did watch your previous video. Also I have the same understanding on the concept, that the decision rests on the individual that weather he is interested in clearing off the debt or looking for higher returns from market. Overall a very analysis by you broo... Thumbs up... 👍👍👍
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Great Information. Definitely an eye opener. Also, you can Add one more calculation - Investing INR 45,000 per month in Mutual Fund SIP for 7 years after completion of the Loan, Imagine the returns at 12% , at the same time also saving an Extra 11,500 rs per month. This is Considering that one has to be mentally prepare themselves that his/her loan is still running.
Emi nu option saru che etle Jem loan Puri thaye to Biju home purchase Kari sakiye & eme interest ni income chalu Thai gy..
One Question ?
When we make payment of 3 Multiplication amout of our EMI on yearly basis, whether we have to decrease EMI nos. OR Tenure ?
Sir Mari home loan nu part payment me 17 January ae karyu ae paisa mara account ma ketla divse show karse ,answer aapjo
Very good explanation and short video ma ganu badhu samjavi didhu ae mate khub khub aabhar... 7 year deva mukt thavu ae bov moti vaat chhe bhai... Repayment j best option chhe... Aevu lage ke paisa vadhe j chhe to aene loan puri thai jaay pachhi pan SIP ma invest kari sakay... 👍👍👍👍
Give information about home loan subsidy... If subsidy credited than what can we do either decrease EMI or decrease tenure???
PPF or post office savings which better?
72000 RS EMI CHA EVERY MONTH PAN HU SHARE BAZAR MA EVERY MONTH 3 LACS PROFIT THAAY CHE TO HU MARI JE SHARE MKT MA JE MARI MOODY CHE TE HU SHARE MKT MATHI PROFIT KARINE EVERY MONTH EMI BHARI DAU CHU
Bhai amane pan koe aavi tips aapo share bajar ma
Sir tata AIA Life insurance uper video banavo
Dost.... SIP is good...because home loan tax benifit is added advantage
Sir free lancing no pun video banavo it field maate
Car loan ma ek sathe 2 ya 3 instalpment bhari sakiye?
Sir Tamara last loan na video ne lidhe me loan vadhare bhareli che
7 years ma loan Puri Thai jaay pachi 7 thi 12 years sudhi je emi na rupiya baicha ene to ganatri ma lyo to.ane long term capital gains tax 10% sip ma kapai e pan nathi ganiyu
Thanks, hu aani j sodh ma hato.
SIP ma vadhare benefit laage chhe..
12 yrs SIP nu interest malya pachhi e paisa thi loan payment Kari j sakay ne?
Sarkhu j che badhu bhai
SIP mate best option suggest karo pls 🙏🙏🙏
Sir SIP kai rite karay
Sir amari car lone settlement karvnu 6e to please enapar video banvo ❤❤❤
Hello Sir,
No comparison no calculation only Simple rule in any condition:
1st complet your loan and free from it.
Then after start investment.
Always will be in benefit
Ya why should take burden and invest excessive money elsewhere like sip or anything just finish your loan ASAP and then invest 😊
Agreed👍
HOME LOAN levani ichha thai che..pan EMI 40,000 aave che.. to em vichar aave chhe ke atyare rented house 12,000 saru padse..compare to own house..
Plz give some guidance
Suggest me 6 lacs ni alag credit card ni loan che to su krvu joie
Loan
SIP Guaranteed return aapse ?
Motabhagni MF scheme loss ma chhe
Sir please ho toh 1200000 12 lacs loan 9%emi 15 in a year ka calculation bataiye
કોઈ સારી sip નો વિડ્યો અપલોડ કરો... 💐 જય જલારામ બાપા 🌹
મારી હોમ લોન 14 લાખ ની છે.
હપ્તો(EMI) 12,100/- છે.
દર વર્ષે હું એક્સ્ટ્રા 1 લાખ મૂડી લોન મા ભરૂ તો મારી લોન ક્યારે પૂરી થાય.?
Sip is good but Kay campani (name)
Yaar Aa sip and loan na hapta e to badhu bhari sakay pn ek vaat no answer aapo k aatla badha paisa kamavay kai rite
Can i take person loan for new business startup??
Lone chalu rakavi ane sip karavi kadhac mari gaya to emi free ane sip male
Sip kya karavu
Sir tamari Vaat right che pan income Vadhe ne loan puri Kari daiye to TAX pan Atalo vadhu kapava lage ne to aavi condition ma su karavu please tell me
Please guide me
SIP mate best app Kyu please aek video banavi dejo ne
A''vad ma che ek office... Details kahu..? Maro Reference aap jo.. Bv j easyly guide krse tmne ane 110% safe che emnu badhu...
SIP
Loan ma every month emi plus extra pay karva sara k every month bhega kari ne yearly 1 sathe bharva ?
Yes
Same question please tell me any idea
Ek sathe j bharva saro option che. Jo EMI increase karavso to pan ema thi capital + interest banne cut thase jyare ek sathe bharso to direct capital mathi j cut thai. Bank ma pan clearly puchi levu ek var. For e.g. 15,000 no emi aapne 20,000 kryo matlab 5000 increase kravia to e 5000 direct capital mathi minus nai kre ane jo tame 5000x12 = 60000 ek sathe bharso to te capital mathi minus thai jai.
Fhitoch kaya he sir
Plz sir mahiti do
When
U compare with same %
SIP ma pakti mudate policy holder ne full amount malee k tax cut thai ne aaave pls aa regarding video banavjo
Amount ફિક્સ નથી હોતું..
SIP એ માર્કેટ આધારિત હોય છે.
પાકતી મુદતે જે પણ value હશે તે પૂરી મળશે.
ત્યાર બાદ ટેક્સ તમારા ઈનકમ ટેક્સ રિટર્ન માં લાગુ પડશે.
Present rule mujab Mutua fund ke equity koi ma pan profit par 10% tax lage, 1 lac sudhi na profit par nai lage ena thi upar ni amount par lagse. Jo 5 lac na investment saame 7 lac amount bhegu thyu matlab 2 lac vadhya. Hawr 2 lac profit mathi 1 lac par koi tax nai, baki 1 lac par 10% etle ke 10,000 tax file krvo pade. Apno goal jo 10 varas no hoi to 8 varas ke 9 varas pachi apni investment track krvu ane thodi thodi amount debt fund ma nakhvi ke jena thi 10 ma varas e market niche pan jai to apne amuk amount to sara returns thi side kari lidhi hoi.
Cash credit details video please
Loan karya na sharuvat na 2 thi 4 year sudhi saky etla paisa loan ma bharva joie
Sip ma pakti rakam Ane vyaj tax Patra che
Mutulfunds uper ek video gunj bhai
Perfect loan wehli bharvi
Home loan new house mate mahiti apo
Income tax on return not considered in this calculation!!!
SIP or EPF?
Which one is better for investment
SIP
SIP BHAI
Sip but min 15 year
EK LAC NA 16 LAC PAN THAYA JAIPRAKASH ASSOCIATES SHARE MA
Repo rate Kai rite increase thay teno video banavo gunj bhai
50 lakh for 20yrs monthly installment 45000at 9% looks too much
SIP No koi faydo nathi.....60 year ma 1cr 2cr made eno koi use nathi
I have a home loan from axis bank at 8.5% and I’m getting calls from Bajaj to shift the loan there at 6.5% interest . Should I shift there or staying with the bank is better option.
Bajaj wala fraud karega bhai… 10% insurance lene ka bolega total loan amount ka and too many hidden charges aayega
@@vimalmotiyani77 thank you
Bajaj wale hidden schemes mein aapko choona lagayega... i.e. कुछ सालों तक sirf interest charge karega uske baad principle कटेगा