Home Loan Hidden Charges - Hindi
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- čas přidán 17. 04. 2018
- 15 Home Loan Hidden Charges other than interest rate charges- Explained in Hindi. Additional Charges like Home Loan Processing Fee, Transfer Charges, Prepayment or Foreclosure charges, Conversion Charges, Switching Fee, Legal Charges, Valuation Charges, Home Loan Insurance, Late Payment Charges, List of Documents, Cheque Bounce or ECS Return etc.
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You will face these charges when you take home loan from any bank - SBI, HDFC, ICICI, PNB, Axis Bank etc. or through any NBFC like DHFL, Bajaj Finance, Indiabulls etc.
होम लोन इंटरेस्ट रेट्स के अलावा भी 15 हिडन चार्जेज़ होते हैं। होम लोन प्रोसेसिंग फीस, ट्रांसफर चार्जेज़, प्रीपेमेंट या फोरक्लोज़र चार्जेज़, कन्वर्ज़न चार्जेज़, स्विचिंग फीस, लीगल चार्जेज़, वैल्यूएशन चार्जेज़, होम लोन इन्स्योरेन्स, लेट पेमेंट चार्जेज़, लिस्ट ऑफ़ डाक्यूमेंट्स, चेक बाउंस या ईसीएस रिटर्न आदि जैसे अतिरिक्त शुल्क बैंक द्वारा लिए जाते हैं।
आपको इन हिडन चार्जेज का सामना तब करना होगा जब आप किसी बैंक से होम लोन लेते हैं, जैसे - SBI, HDFC, ICICI, PNB, Axis Bank आदि। या फिर आप किसी NBFC से से होम लोन लेते हैं जैसे - DHFL, Bajaj Finance, Indiabulls आदि।
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In this video, we have explained:
What are hidden charges of a home loan?
How to negotiate or eliminate the hidden charges of home loan?
What are major home loan charges?
How to negotiate home loan processing charges?
What other charges bank apply to home loan apart from home loan interest rates?
How bank charges for home loan transfer?
When does bank take prepayment charges?
What is prepayment penalty for a home loan?
How much bank charges for property valuation?
What is home loan insurance?
How does bank charge late payment charges, EMI bounce charges, cheque bounce and ECS return charges?
What are home loan hidden charges when you take the loan from a bank?
What are home loan hidden charges when you take a home loan from NBFC?
What additional charges are applicable to home loans?
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Great video! Thanks for providing so much info in short... I think you missed IGR & Cersai charges.
Sir,I have been watching most of the your posted property related videos,good and brief info.I need a suggestion as well on Built up property Charges on Purchase or Transfer as Gift..
Sir App Sub clearly Bathate Ho, Really All Videos Good experience, detha, Our Sir Shere Markets Mutual fonds, kha Bharem Bhatado, Hambi Sekthe Hayna 😎👍🏻
sir aapke kmse km 5-7 video me meri watch list me rkhta hi hu.. 2-3 din me vo dekh leta hu tb tk dusre 5-7 usme add ho hi jate he....
aap ke free me gyan ke liye bahot bahot shukriya🙏🏻🙏🏻🙏🏻🙏🏻
Awesome video.. thanks again sir
Lots of knowledge as usual thanks mukul da
Truely an eye opener video...superb
Thanks Mate !
Sir vey educated. Thanks for expanding the knowledge.
I am happy that it helped you 😊
Dear sir, Plz make videoes on how to analysis ITR & its components to detect one's Gross income, Net income etc. How to deal with Depriciation, Agr. Income, profit & remun of partner etc. Same thing with GST etc TDS , NBFC, Foreing & Internal big investors etc.
I like and watch your channel regular basis and till now I found it's very informative thank you for all this info.....I have one question recently I bought my new home now i wanted to know is one time property insurance is mandatory while opting new home loan.
Sir, can you please tell me when processing fee is charged ?
Before approval of loan or after approval ?
Thank you so much for the valuable information, Really appreciate it.
Best voice and very useful sir. NBFC and PMAY ka bhi banaye sir
Pls tell me land owner's documents available after getting possession of flat...in land owner allocation.
Thank you brother. Very useful n informative
Thanks Nadeem :)
Thanks a lot sir for full detailed information, love your all content 👍🙂
Thanks Rakesh.
Great knowledge you have keep it up 👍
Thanks Abhinav
Good improvement. Keep it up
Sir kya intrest rate mai barganing kar sakte hai bank se ya wo fix rahata hai
Sir, in Telangana State the MODT stamp duty is 0.5%of the loan amount. If I am not wrong , it varies from one state to another.
Sir please make a video on cancellation of home loan ..and how much charges we have to pay for that ?
Usefull information, thankyou so much 🌺🙏
Most welcome 😊
Sir DHFL or Axis bank Home loan up to 15 lakh which is best, yeh construction plot k uper karni hai jo already buy kiya hai.
Very informative
Valuer kase valuation krte hai plot ya house ke...kis basis pe
Thanks for such informative videos.
My pleasure
What is the different btn floating and fixed interest rate,kindly guide us....
Very informative...thank you so much :)
Thanks Kashif.
Can you make a video about Refinancing home loans?
Thank u sir very use full inforemation
Keep learning
Hi, do you have a video which explains what is Retail Prime lending rate? (currently HDFC shows as 16.20%)
My dear you should transfer your loan interest paying system to repo link lending rate because nowadays repo rate is 4% and you can save enough money in interest.
Sir kya home loan ka pre payment karne par emi kam hoti h?
yaa time kam hota h?
Yaa customer ki marji par depend hota h?
Sir home loan kon se bank ya finance company se le iska comparison vedio banaiye current wala🙏🙏🙏
thank you for the video sir.
Keep learning 😊
Awesome video bro. Already subscribed u
Thank you 😊
Thanks again.. Mukul
Welcome 😊
Thanks you so much. It was very helpful.
Glad it helped!
Bhai ... Useful information especially who are looking for home loan
Thank you for appreciation Sikander 😊
Eye opener for new loan applying individual.. like me 😝
Best video for home loan purpose
Balance transfer me existing Bank charges lagata hai kya? Aur kitna.
I am also from home loans department i want to add something extra here about charges
1) kisis reason se kuch issue hota hai property me to TSR ka extra kharcha ho dakta hai .
2) resale me buy karoge to draft agreement and society ke kuch transfer fees extra ho sakta hai
3) register mortgage agar bank bolta hai kisi tarah se karne ko to uska 2 percent loan amount ka extra charges pakad lo.
sir MODT me stamp duty or registration charges dono hota he kya? Uske baad Notice of intimation bhi karna padta he kya???
Sir ,do we need to pay any GST on interest part of home loan ??
Please let us know 🙏
Very useful sir
Please make a video on prepayemt.
In detail...
Good information
thanks sir
Very informative video , thank you so much sir ....
Most welcome
Different types of home loans - especially overdraft, etc
Sir floating interest loan pe rate of interest high hone paar Kitna amount high ho Sakta hai loan amount 1692000 hai dhfl se liya hai unhonee 14 emi extra Kar Diya hai kya Karo dusre bank me try Karo transfer ke liya
sir notice of intimation filing regarding loan karne ka fees bhi major charges hi
SBI term plan is government or not? Is there any term plan offer by government of India?
Sir please make a viedo on Rulra Area property
Pls sir tell me home loan liya h to cheque kis tym milata h home ki registry vale din same day ya baad m
sir can u tell me capri global bank is good for taking loan is it authorised bank
Sir pre emi why they cutting for 3 months ...initially
3rd point MODT charges.. Should I pay to government or bank.?
What is mortgage creation charges.?
Very helpful...
Glad to hear that 😊
Valuation charges के बारे मे सर बताये Bank of India
Franking ke uper bhi ek video banaye
Thankyou sir for
Sir home loans preclouser me amount edena pata hai
hello sir...please sir aap bata sakte hai ki stamping charge kya hai mai ek loan ke liye apply kiya hu lic me to agent bol rha hai 20k stamping charge lagega
All video ultimate and very easy for everyone
Thanks Sahaj.
Dear sir Maine 1940000₹ ka Lon liyahe jisme muzhe compalsory 60000 ka insurance diyahe aur primum ki receipt 5 saal tak ki 9500 ki he uske liye kya karna chahiye
Which bank is best for home loan?
Hey,
Your videos are so helpful to unlock various things about the home loan.
I have one question can you please create a video specific to choose the best bank for a home loan? and what should we remember when we deal with bank?
Sure. Will try to do that
Still waiting for it.
@@Nayan_Roy😂
Sir agar home loan me 2 co applicant add ho or home loan insurer ki death ho jaaye to kya home loan co applicants pay karenge ya insurance company.
Thank you for such good video
It's my pleasure
Sir home loan lete time other than Processing fees.. 10 stamp pepar 10 bond pepar Frankien charges loan agreement notice of intimation ye sab charge bhi hote he kya?
Jis city me flat le rahe h home loan usi city ke bank se Lena hota h ya kahi se b mil jata h???
Sir please compare VPF & PPF
Is there any goverment charges apart from processing fees in lic homeloan
Very nice and important information sir thank you very much sir
Keep learning
Thank you sir your video was very Informative ❤️ keep going
Most welcome
Lone ke sath insorensh keyse kare
Sir please about ocr
Could you please clear if all these charges are taken by SBI or not. What is the major difference for taking loan from SBI rather than HDFC
Sir government employee Ko benefits milta hain loan mein?
Home loan emi Collection k liye koi tips bataye pls.
Thank u
Hope it helps.
Valuable information
Thanks
Badhiya
Sir bank me home loan agreement charges ketana dena padta hain
Sir , abhi kuchh changes bhi ho Chile honge , home loan pe new video bana sakte hai kya
Arey sir aap kab pmayclss pe video bano ge.
In Punjab&sind bank one branch is taking inspection charges and other branch is not.kindly guide
Sir very informative video
Keep watching
Sir kya home loan late time blank cheak dena padta h kya
Sir.....Nic information and thanku 👌👌👌👌👌👌
Thanks 😊
Sir home lone ke new employrs ko problam hoti h home lone krvane me aap se riqust h ki koi letest video bnaye jisse new emploi ko aasani ho
वैसे तो यू ट्यूब पर बहुत से लोग फाइनेंशियल नॉलेज दे रहे हैं।पर जैसा कोई नही।मैं अब सिर्फ आपके वीडियो देखता हूं।
Thanks for appreciation , Keep supporting :)
@@AssetYogi u r d best ! Sincerity and hardwork is on your face ! Sir do you invest on behalf of clients in real life ? M working professional in Mumbai.. please please let me know..
Is LIC a better OPTION for home loan against Banks like SBI, ICICI, HDFC?
Always
sir plz give info on homeloan for farmers
Valuation charges are mandatory or not ?
Hi i have a small question about this, I have a business running with all documents in place including my computation of income and returns, But i don't have any Co-Applicant and i am also not married so can i apply for a new home loan ?
Good information 👍👍👍
Thanks
Add video on pure home loan for house construction and for renovation purpose home loan