EMI Pre-closure பண்ணாலும் நமக்கு லாபம் இல்ல | No profit in pre closure of Bike EMI 🤦🏻♂️ |
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- čas přidán 27. 08. 2024
- In this video we discussed about how bike EMI is calculating , what is the procedure to get bike EMI, which bank is best for bike EMI, what are the banks the bike showroom will refer to customers, especially we discussed about the bike interest, how initial amount help us in Bike EMI ,what are the procedure in pre closer in Bike EMI, how banks cheating customer there using pre closer we hope you all love this video thank you #bike #emi
EMI PART 1VIDEO : • EMI-ல BIKE வாங்குறதுக்...
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கடைசியாக நீங்கள் கூறியது உண்மைதான் அண்ணா. . இங்கு பல பேர் வரட்டு கௌரவத்திற்கும், வெட்டி பந்தாவுக்கும், பொருளை வாங்கிவிட்டு மாதந்தோறும் பணம் கட்ட சிரமப்படுகிறார்கள். நம் தேவை எது, அத்யாவசிய தேவை எது என புரிந்துகொள்ள வேண்டும்...
Llooooooooooooopoooooooooooooooooooooo
Yes
Sure 100
Na loan tha kodukkura....unmaiyave customer pavam tha
Bank la pre closing charges kadayathu anna
ஆசை அடக்கிட தெரிஞ்சா எல்லாம் காலடியில் கிடக்கும்🔥🔥✨🤷
💯 Fact
🙏💯உண்மை, உண்மை, உண்மை 🙏
இன்றைய எளிமையான மக்கள் அனைவரும் கஷ்டப்படும் ஒரு விஷயம் என்றால் அது இஎம்ஐ தான் அந்த இஎம் ஐ பற்றி மிகவும் எளிமையாக விளக்கம் தந்ததற்கு அண்ணன் அவர்களுக்கு நன்றி
பணம் இருந்தால் ஒரு பொருளை தேவை இருந்தால் அதனை வாங்கி பயன்படுத்த வேண்டும் ஆடம்பரத்திற்காகவும் இன்னொருவருக்காகவும் எந்த ஒரு பொருளையும் நாம் தேர்ந்தெடுத்து வாங்கினால் பின் விளைவுகள் மிக பயங்கரமாக இருக்கும் யோசித்து சிந்தித்து செயல்படுவோம் வாழ்வில் தெளிவு பெறுவோம் 😍🙋💯💯🤩
Apdi la sola mudiyathu bro adambarathukaga than emi vanguranga nu
Na be cse student enaku oru pc theva paduthu but money ila athanala emi nu onu varuthu
So theva irundhu panam ilathapa emi than ore option
பொருளின் தேவை இருந்தால் இ எம் ஐ யில் வாங்குவது தப்பில்லை 🤩💯
@@vasantha6860 ne vangalena athukku enna Panna palaperu apdithan vaanguran
EMI என்பது எதிர் காலத்தில் கிடைக்கும் பொருளை நிகழ் காலத்தில் அனுபவிக்க நினைத்து துன்பத்தை வரவழைத்து கொள்வது."கடன் பட்டார் நெஞ்சம் போல் கலங்கினான் இலங்கை வேந்தன்" என்ற கம்பரின் வரிகளை எல்லோரும் நினைவு கொள்ள வேண்டும்.
💯
நீங்க கடையில் பேசிய வார்த்தை மிகவும் சிறப்பு💥👌
Ending Information 100% True, Bro.
Eppothum poola nalla oru information CZcams la best channel na athu thenir edaivelai mattum tha👍👍👍👍
Preclosure = principle + broken period interest + (preclosure charge + sgst+ cgst)+ over due + Cheque bounce charge + Field visit charge
Thapu thapa Sola kodathu
Yes, it's true... In 2019 I bought a bike through finance, on monthly basis i had to pay 4000Rs for 2.5years, after completion of 1 year I decided to pre closure the rest of my terms. For 81000 rupees i had to pay 39000Rs as interest for 2.5 years, after paying 1 year EMI i checked the interest amount I paid is 28000 Which not gives me benifits.
Worst ROI in loan is 2 weller loan dhan . Athuku PL edukalam.
@@arunm2085
All loan are worst with rate of interest high if it cross RBI instructions ....
@@mukeshraje.s3373 if u check roi for PL and 2 wheeler loan u can take pl itself.
EMI preclosure is useful only in long term high value loans like housing loan.
Really?
It's true
Home loan at pre close charge not applicable .....
Only for personal loans
VEHICLE LOAN ..
PRE CLOSURE APPLICATION
SIMPLE WASTE OF GETTING LOAN FROM BANK ...
INTEREST................................................
Great advice of not buying things that we don't need. 👏👏
One Nuance to this, if the bank does not charge pre-closure charges then proceed to pay the amount. Loans such as Education loan, Home loan and some types of gold loans won't have pre-closure charges so best to close them.
Correct. It's true.
How can they give salary to their staffs? Only using our interest.
Bank cannot survive without internet.
So if you use bank's service we bound to pay interest
@@vijayalakshmivasudevan8644 yes it's true, if the money taken as loan is for useful purposes then paying intrest it's ok. but buying non essential things on loan, and then having a headache of loan repayment every month is not ideal.
Not only BIke EMI , Personal loan , Home loan everything works like that, Bankers saying Per Annum 11 to 13% interest but they taking more than they coated based descending order of interest paying method
Yes correct ..ethuku than entha banking system ...
Simply waste....
WRONG INFO IN THIS VIDEO. Namakku oru porul thevai padaama irundhaalum, loan pottu vaangiklaam. Example: 4 years back ennoda cousin RE Interceptor 2.5 lakhs ku vaangunaan. 2018 la insurance premium um kammi, insurance ku GST um kammi. Andha time la avan loan podaama indha bike ah vaanga mudiyadhu.
But today 2022 la, adhey bike 3.4 Lakhs, adhigaamana insurance premium, insurance gst adhigam.
Avan 10% loan eduthan for 36 months, total ah avan 2,90,412 dhan pay panaan. So extra 40,412 dhan.
BUT IDHUVE LOAN EDUKAAMA 2022 VARAIKUM SAVE PANNI VAANGIRUNDHA, EXTRA 1 LAKH SELAVU.
AVAN LOAN EDUTHA NAALA rs59,588 profit avanuku.
Well said ...
Bank is not charity to give less or free fee for loan... Better we need to check no preclosure loan and if we paid all emi we will became lost ...
It all depends on need and calculations.. Sometimes loan is better and sometimes not.
For my loan preclosure charges are almost equal to remaining interest, so I'm avoiding closure and investing it somewhere..
@@mahiabi2664 Please don't blabber. Have I talked about pre-closure or its benefits? ALL I AM TALKING ABOUT IS, THE MESSAGE THEY CONVEYED AT THE END OF THE VIDEO.
THEIR MESSAGE: DONT APPLY LOAN. BUY THINGS THAT YOU CAN AFFORD WITHOUT LOAN.
THIS IS A STUPID AND WRONG MESSAGE.
@@latestever173 HEY DID I SAID ANYTHING ABOUT YOUR COMMENT? ALL I SAID IS LOAN IS PURE CALCULATIONS AND NEED BASIS..
ALSO ADDED HOW PRECLOSURE ALSO LOSS TO LOAN BUYER..
FIRST UNDERSTAND THE CONTEXT AND THEN CRY..
I COULD HAVE AVOIDED THE REPLY BUT CAPS MADE ME TO GIVE IT BACK..
தெளிவான விளக்கம்
மென்மேலும் வளர்ச்சியடைய வாழ்த்துக்கள்
This is correct only for the emi who took for 1 year or 2 year.But when buy anything with higher amount with longer period.precloser is advantageous
Super and informative bro 3.01 last talk is worthy words
Make a RD to get that product what ever we need avoid EMI and enjoy
If we understand the meaning of EMI, we won't surprise. The definition of EMI itself will give a top level idea.!
Yes. Banks will always benefit. But consumer can also benefit by loan preclosure. Say I got home loan of 30lakhs. If u pay for 20years you end up pay for 60lakhs finally. But if u prepay and preclose loan within 5years you will pay only 40lakhs and save 20lakhs! Prepaying and preclosure is always good for consumers.
அண்ணா இது போல பல உண்மை நிகழ்வுகளை எளிய மக்களுக்கு புரியும் அளவிற்கு பல கருத்துக்களை இன்னும் பதிவிடுங்கள் அண்ணா
Idhu padikkadhavangalukku mattum illlaji padichavangalukkum theriyaadhu
Ungal sevai yengalukku romba thevai
video ஒடும்போதே அடுத்த வீடியோ கான title card போடாதீங்க. video மறைக்க படுது
பலர் சொல்ல நினைத்ததை, நீங்கள் சொல்லி இருக்கிறீர்கள்.
Last words are true 🔥🔥🔥
EMI ல பைக் வாங்கி பட்டதே போதும்யா..🤗😑
Podhum pa. Bike vangi patatha paadu
Bike mattum illa ellamae....
No EMI ..
bgm வேண்டாம் தலைவரே
Pre closure will be helpful to save your interest applied on whole tenure but that’s helpful if you pre close the loan before the 1 or 2 years from the closure date. Example - If you have personal loan for 5 years and you are about to pre close it after 6 month or 1 year, you will save some amount of money from the total interest applied on your whole tenure. But if you pre close the loan on 4th year, then it will be loss to you. Pre closure benefits depends on the which tenure we close the loan and useful for the long term tenure loans and not short term like 1 or 2 years.
In my car loan #NoDocument charges, No Insurance, No Preclosure Charges also No part payment charges.
ThanksTo#BOI
* only one rule for part or preclosure request min 3 months due i need to pay tats it.
இந்த No Cost EMI க்கு ஒரு வீடியோ போடுங்க. No Cost EMI னு சொல்லிட்டு Interst போடுறாங்க.
Super nanba..very useful
ஆசையை ஒழித்தால் துன்பத்தில் இருந்து விடுபடலாம்.🙄🙄🙄
ஆசையை ஒழிப்பது சிரமம் தான்.
True last msg 🤔
LMES , Mr Gk வரிசையில் இப்போது Theneer Idaivelai 👍👍👍
யாருடா நீங்க எல்லாம் 🤣
Oombu
@@darkprince7131 🤣🤣🤣
@@SowndaramChinnadurai 😂
Mahaprabhu neenga ingaiyum vandhuteengala?? 😴😴😴
Asai dhan ellathukum karanam adhan kadan vanga solludhu,Ippadi ellarkum thevayana nalla video podringa,vazthukkal super.
LMES,mr GK,வரிசையில் இப்போது தேனீர் இடைவேளை...
அருமையான பதிவு நண்பா!
Very super brother. உங்கள் சேவை தொடர வாழ்த்துக்கள் வாழ்த்துக்கள்
0% interest la EMI pathi konjam solluga
Interest o but processing fee undu
Interests 0 % but neega vanugura goods insurance poduvanga
Adhu vadikatna oolu
kaasu sethuvechu oru porul vaanguradhu impossible by that time that product rate also increases in line with inflation. Going for emi option is good when buying much needed products. avoid luxury ones.
very very important news for Middle class people. Please continue for your unavailable videos. Thank you.
Kadaisi varaikkum emi la onnume vaangadhqvunga attendance podunga....
This is a good awareness video. Additionally, I want to add that for educational loans there is no preclosure fee for most of the banks. So closing educational loan earlier is very beneficial for us
Best people friendly CZcams Channel in Tamil.
SBI don't charge pre-closure charges for auto loans. Also, we can close the loan immediately after getting the loan.
True!
First SBI should give loan for middle class people. 😂😂
nanba stock market pathi video panuga
Poduga bro
Good information
Hi,
Thanks for the info. I'm watching your channel for a long time. Really very good.
After watching this video, no cost emi nu credit card moolama Namma online la edhachum vangna adhku interest amortization nu bank statement la potranga. Adhu ena edhu nu enakum sila perkum purila. Neenga adha pathi oru video potingana neraya perku useful ah irkum.
Thank you.
Few banks preclosure has nocharges.. Few banks like HDFC, above 10L loan, settlement after 1 year.. Preclosure has no charges..
Nalla vela car loanku preclosing panlamnu irunthan.thank you
Distance education pathi video podunga
நல்ல பதிவு அண்ணா ...😍
குடிசை ல இருந்தாலும் போதும் டா
இந்த லோன் EMI வேண்டாம்.
அடுத்தவன் பார்க்கிறதற்கு வீடு car bike வேண்டாம்.
லோன் வாங்கினா நம்ம bank ku அடிமை. 25 வருசம் நிம்மதி இருக்காது...
Nowadays almost all banks/non banks offer zero pre closure charges ... If you pre close in the early stages definitely you are the beneficiary ... Part payment in the early stages is also beneficial ... I closed my 20 year home loan in 8.5 years ... Definitely I saved few lakhs ... One more tip if you want do part payment always do it in the 1st of every month
The down side of pre closure is your CIBIL score will get affected ... Before pre closure my CIBIL score was 800+ ... After pre closure my CIBIL score went down to 700+ ... 🤷♂️
Bro one doubt for home loan preclosed the loan at the same time can I get the home documents from bank?
@@karthikverse You will not get it immediately ... They will take some time to process
Thanks bro. Process time, approx how long?
@@karthikverse That varies between bank to bank ... You would have to check with yours
Thanks for reply
நல்ல உள்ளத்திற்கு நன்றிங்க
Love u bro. Super explaination climax super
Super Machan abi keep doing that ❤️❤️❤️ best explanation
நன்றி.. அருமையான தகவல்
reducing interest முறையில் pre close charge கட்டதேவையில்லை... அவிங்க pay பண்ண சொல்லுவாங்க ஆனா அது legal இல்லை....
Randomly seen this one of the best video for the day
Anna Nice information thanks. Also please clarify about business loan and housing loan pre-closure details.
Explain Preclosure or the ways to reduce interest in Home loan
Nice video bro. Hospital la operation ku laksh kanakaa amount vakuragalaa. antha amount yathukkalaa sethii antha amount charges pandraganuu oru video poduga bro.
Super thambi.. Nice lesson to all. 💐💐💐
வங்கியிலிருந்து loan வாங்குவதற்கு பதிலாக நம் relatives or friends கிட்ட வாங்கலாம்
Superb looking and informative presentation.
அண்ணா ஒரு சந்தேகம் மட்டுமல்ல பிரச்சினையும் தான் தீர்த்து வையுங்கள். kotak finance ல two wheeler loan போட்டு கட்டிட்டு இருக்கிறேன். போன மாதம் லோன் கட்ட ஒரு நாள் லேட்டா கட்டினேன் அதற்குள்ள 2000/- over due னு extra கேட்டாங்க . இது போல் தான் அடிக்கடி செய்றாங்க என்ன காரணம் statment தரமாட்டிக்காங்க உங்களுடைய வங்கி கணக்கு bankல போய் statement வாங்கிக்கோங்கனு சொல்றாங்க.
Brother unga bank loan videos ellam papen,romba nalla iruku and usefula vum iruku.
Enaku oru doubt iruku bank of baroda la Nan loan vaanginen but enaku athoda terms and conditions theriyala so atha pathi konjam sollungalen
Thanks for your. Rombo help ful video
Starting la yean intrest adigamna, bank kasu nama kita neriya irukum. Namakita bank oda money evalo iruko, adhukana daily interest kata vendiyadu namaloda responsibility..
For example interest 12 % na monthly 1%. Suppose loan amount 1 lac for 2 years na, emi 4707, idhula 1lac oda monthly interest 1000 rs, so Principal 3707 reduce aidum..
Next month 96293 ku interest pay pananum. So oru fixed amount interest kami aiteh varum.. Velila monthly 3 percent ku vaangitu vati matum katraku emi evalovo best option.
Also yean pre closing charge na, inflation naala.. One year ku apram balance pay panramna andha amount oda current inflation rate ku settle pananum. Currently inflation more than 6 % but banks innum palaya charge aana 5% thaan charge panranga .
Ji ... EMI la loan vaangadhinga nu solradhukku badhila EMI na enna nu oru video potrundha adhu useful. But appudi potta ivangalukku views and likes varadhu .... Bank la vela paakuravangala kutham sonna nalla views and likes varum .... so ippudi tha video poduvanga .... EMI la loan eh vaangadhinga nu sonna appo 10 years back MSME loan vaangi ippo latcha latchama sambathikkiravanga la ilicha vayanungalaa ?? Loan vaangalaam .....ana edukku vaangurom ngradhu mukkiyam.
@theeneridaivelai Anna revised interest nu home loan la poduradhu pathi and yepdi calculate panranga and personal loan yen ivlo high interest and rendukum difference pathi oru detailed video podunga anna useful ah irukum
Very Good valthukkal brother's
ITHU PERIYA COMMENT THAAN BUT USEFUL. 2012 la Discover bike 12 thousand exhange potu 2 years emi la eduthen...one year emi 6 thousand interest kattitu balance one year full payment panna ponen but ithu vehicle insurance (Comprehensive loan) so neenga full payment pannalum atleast 5000 aachum capital amount la irunthu kattanum sonnanga so balance one year um emi la vaangikonga nu solliten...So 2 years emi la 12 thousand bike ku koduthuruken... Next year Unicorn bike brother ku vaangunom jewel loan potu..Inga katta vendiya Emi ah bank ku kattunom 10 months la full loan settle panni jewel ah collect pannunom Bank Interest RS.800/- for 10 months only.
Best option initial amount agigama kattirunga, aparam monthly ungala evlo katta mudiyumo antha amount a solli emi calculate panna sollunga.
Inflation of money kooda pakkum...ippo tv inninki 14000na adae two years kaluchi vangunum na 2000 increase ayedikum..nammuku laabam dhan
Last 10 second message is very important ✨
நான் இன்னைக்கு தான் emi la பைக் வாங்குனேன்😭😭😭
In almost all PSB , there's no pre-closure charges. But there's hefty Upfront fee/ Processing fee...
Emi,credit card, petrol~diesel (quality + quantity) gold எல்லாமே ஏமாத்துதான் 😒
நாம தான் அத பயன்படுத்திகிட்டு புத்திசாலி னு பீத்திகிறோம் 😏
Gold kudava
Superb information 🙏
Don’t buy CAR , Mobile, House…. Irukurathu pothum…. Save and spend for eating food and save for children and future. Nothing much
Good awareness video 🔥🔥🔥
Emi pre closer பன்னினா லாபம் இல்லை
ஆனால் இருக்கு
மெடிக்கல் செலவுகள் மிச்சம்
மன அழுத்தம் மிச்சம்
பதட்டமான நிலை இருக்காது
கொஞ்சம் மன அமைதி கிடைக்கும்
Super message nanba keepitup👏👌👍
Awesome guys very helpful
Super anna ...thanks for your information 😊
Education loan emi podunga
I know 💯 true credit card Emi potuklam but correct ta use pananum
Average charges la sila therinja showrooms etc .... Small Emi process paniklam
தங்க நகை சேமிப்பு திட்டம் பற்றி ஒரு காணொளி போடுவிங்களா?
நம்முடைய நகைகளை குடுத்து பணம் வாங்கி அதுக்கு கட்டுற வட்டிய விட சும்மா பணம் குடுக்குறவன் வாங்குறது தப்பில்லை அப்படி இது ஒன்னும் மோசமானது இல்லை தலைவா
Bajaj finance emi la 0% interest en bike vanga mudiyuma atha pathi konjam sollu anna
Actually Avungaloda documention charge rempa athigam and if you missed the EMI date they are charging more intrest. Bajaj 0% intrest scam nu CZcams la thedunga clear ra avanga fradu velai ya neraya peru explain pannirupanga
@T.Sabari Nathan Number one thiruttu pasanga Bajaj finace -- Fine kku fine ummala
In my point be idle is too better than buying a product by EMI.. it’s recent cheating method of business., I hate EMI system..
Ithu housing loan ku apply pana mudiyathu, long run la housing loan edutha floating rate of interest ku pre-closure charges ila.
Atlast Message 💯
வங்கியாளர்கள் அனைவருக்கு சரியான பதிலடி
Hi Team,
First try to understand the reason why intrest are high with an example.
Consider you bought 1,00,000 with interest rate of 12% PA (1% per month). And the EMI as 11,000
1st month 11,000 will be spitted as (10000 principle + 1000 intrest (1% of 1,00,000))
2nd month 11,000 will be spitted as (10100 principle + 900 intrest (1% of 90,,000))
3rd month 11,000 will be spitted as (10201 principle + intrest 799 (1% of 79900))
Thats why initial intrest rates are high, we can't pay same intrest portion on first month and last month. After deducting intrest portion, remaining will be calculated as principle, here no one will lend money without intrest. 😢
Sir.. They just want comments and likes... Not facts. No use in explaining EMI concept to them. "Naan thalaikeelaga than guthippen" nu sonna nama enna panna mudiyum. "Poi gudhi " nu sollitu namma velaiya paappom ....vidunga sir.
Good information... Thank you 😊
Apo veedu emi also same oru video podunga neraya peruku useful aagum
Super information bro...
தேவையில்லாமல் கடன் வாங்குவதை தவிர்த்தாலே போதுமானது சிறுக சிறுக சேமித்து வைத்து வாங்குவதே மேல்
Hi na I am the first comment
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