Home Loan Kaise Le (Explained By Bank Manager) | Banking and Finance Show 10

🙏welcome to banking and finance show episode 10

This video is on home loan, in this video, we cover the home loan process, eligibility, rate of interest, and some other useful information regarding home loan.

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sorry for the quality of this video, please concentrate on the info, because the information is important.

[billusingh]

Bhut badhiya acchi tarah samjhaya aapne 👍 thanks 🙏

[MichaelKharchandy]

Think twice about the principal and the compound interest before taken loan..Happy is the man who has no debt.

[Ankit-lwoo]

Best video on home loan sir...nice podcast

[badmashyt]

bhai ek qustion hai
jo hum home loan lenge usko agar hum 5 year me hi clear kr de
fir jo insurance bhi band hi jayega na😊

[shwetank.shekhar]

All information shared are incorrect or un-necessarily complicated.

I would highlight 2 points on which there was lengthy discussion.

1. Interest is =( p. r. t)/100. Which we have learnt in class 6. Since principal is more interest is more. Banks actually in their statement share the interest at start of every month and add it to amount due (principal). So whatever extra is paid the amount due is reduced as per the formula.

2. Home insurance is not mandatory. Its a marketing gimmick. It is too much expensive (wrt life insurance). If one wants to insure should take life insurance and save the money. Another drawback of home insurance is that if i paid the loan in 10 yrs instead of original 20 year emi period, the home insurance will expire. While in life insurance it will still be there till the cover is taken

[mohitgajbhiye]

Being a home loan officer 😊icici bank i earn 1 lakh in month incentive 😊

[RobinsonMasih]

Ek Mera koi query hai koi Property jis ki demand 50lkh bolte hain, Abhi Jiski owner ka ghar hain vo Complete paisa white nahi leta. 30% Black Money demand karte hain, Bank bhi 80 Percent loan dega is Situation ko kiase tackle kare. kyukyi White he money hain

[abhishekSingh-xczo]

जयदातर youtober गलत जानकारी देते है,
Bank home loan पे पहले ब्याज ज्यादा लेते है principal कम लेते है।
Starting मे intrest ज्यादा होने का simple reason है balance tenure ka jayada hona, जैसे जैसे tenure कम होता है।intrest part कम होता है principal ज्यादा।
Simple intrest ke formula से कोई भी calculate कर सकता है।

[rameshkumar-cnzd]

Sir ji me purchase+ construction loan home loan lu or kisi karan se us plot ko 3 sal bad bechna chahu to kya hoga

[thetransferaccount]

nice information.. but should have asked more about loan defaulting

[abhinavthakur]

One more qutesion property parents ke naam pr hai aur loan mai apni ITR ke base me lena chahata hu to us case kaise hoga ?

[rattanstudio]

Over flow transfer kya hota hai loan statement mei, aur kya ye amount customer ko Leni hai bank se kya?

[shubhamsaxena]

Hi, what if i opt for pre emi and then pay principle amount separately to bank based on my finances and it could be more than what it would have been deducted in tranche emi, is this a viable option?

[subhabratabelel]

Channel k nam me focus h lekin video k main banda jo ki Manager is out of focus.

[badbrad]

Banker is wrong Fixed rate is only given for few years and it is given at higher rate

[Rohitkumar-mrii]

Please help me with one question. I'm kinda stuck. Getting no answers. It's about PMAY. I bought this house back in March-April 2022, at that time I didn't receive this subsidy as the loan provider informed me that it is discontinued. Now I've seen some notification that PMAY is extended. I contacted my loan provider and still they're saying that it is discontinued. Is it really discontinued? My loan provider is Tata capital Housing Finance Ltd.

Another question, I live in Delhi NCR, and when I was scouting for a house, I actually figured that majority of the locations where I can actually afford a house doesn't really have an MCD approved Map. (kacchi colonies) and the locations where there is a legit map for the house are freaking expensive. So, even after having a great Credit score of more than 800, I couldn't get any loan from the banks ( HDFC, SBI). So, apparently I had to eye towards NBFCs which are apparently more expensive than the banks.

Is my understanding true?
Lower interest rates are just for people who can afford a house in a good location and can buy expensive houses. Pretty strange to me.

[seninternational]

Clear one thing, what is the term & formula reducing loan

[nasirahmad]

Sir ek video Mortgage loan par banaye.

[MANISHABLE]

Fixed rate means it will fixed for 3 year . Then it will be revised.

[gudiarani]

Home lone pass hone me kitna time lagta hai