Investing vs Loan Repayment | 2022 | CA Rachana Ranade

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Информация о Investing vs Loan Repayment | 2022 | CA Rachana Ranade

Название	:	Investing vs Loan Repayment \| 2022 \| CA Rachana Ranade
Продолжительность	:	17.15
Дата публикации	:
Просмотров	:	439 rb

About the prepayment penalty short description with linkbr economictimesindiatimescom/wealth/personal-finance-news/rbi-restricts-banks-from-charging-prepayment-penalty-on-home-loans/articleshow/12711108cmsbrbrAccording to the RBI rule, banks are not allowed to charge you prepayment penalties on home loans
Comment from : @CARachanaRanade

Waste of resources
Comment from : @Rajeshjha1990

I am a govt employee My 80 c is full with housing loan rebate, term plans Can I show my employer deduction of nps in 80ccd ib
Comment from : @vaishu_cutegal

You have not considered the tax angle of the loan In a home loan at 8 you get upto 2 lakhs interest waiver from your income tax slab, say a savings of 30, which brings down the effective interest rate to 6 So if one has any instrument giving 8 after tax, it is still worth it An index fund could give an average of 10-11 after tax and may be a good option
Comment from : @donaldlobo3112

What about LTCG on gains?
Comment from : @manojpathania

But what about Home Loan Amortization?
Comment from : @rajatraina1979

Hindi mein samjhaiye
Comment from : @msclasses5218

If Equity and mutual funds yields better returns than loan closure, why do banks into loan business They can directly invest in them Subject to market risk😂
Comment from : @kamalsairam3704

Hello Ma'am, brIn option 2, following assumptions are made which may not be true over period of 15 years of timebrbr1 Assumption is investment in index fundbr2 Rate of return on investment is 14 throughout 15 yearsbrbrAlso following is not considered in calculations in option 1brPersons investment after loan payout within 5_8 years also increasesthat profit is missing in gain calculation in option 1
Comment from : @petpuran_8076

Just want to mention - hope everyone is also considering the rent you save or gain from the purchase The property valuation is also a point to consider, some properties may get a 2X valuation by 7 to 12 years from purchase
Comment from : @dipjyoti1fast

Very well explained
Comment from : @tarangjain5831

Very perfectly done Thanks mam
Comment from : @PharmGrow

Can I use an opportunity like COVID, to invest in market and get a 50 return (minimum)? Anyways my loan is for 20 years and we know ki atleast one mega recessive event occurs per decadebrbrJust an illustration
Comment from : @sarveshraghavan9786

If i have lum sum money is it advisable to invest in property without taking a loan ???
Comment from : @adityakumarkanoongo6536

So basically if Mutual fund returns are 12 instead of 14(and the 10 LTCG which wasn't included in this calculation) option 1 and 2 come closer than you think Ultimately it comes down to peace of mind(option 1) vs going after variable returns(option 2)
Comment from : @yepsfringe5285

Im bit confused hows ur corpus size 81 Lakhbr13000 *12*15 nearly equal to 24 lakh
Comment from : @akshaynikam07

Mam plz add audio track in hindi language , in India crores of viewer know only hindiplz
Comment from : @HARE_RAM002

How come no one is considering INFLATION on your returnsbrbrThe actual returns are much less
Comment from : @sachin67007

I am in mid 20s and your videos really cleared my options towards my future investments Thank you for effort for delivering this quality content to all peoples, Can't get this quality of advice from any other place
Comment from : @A4ADVENTUR3

Thank you for your videos Very helpful --- now i have accumulated a wealth of around 15 Lakhs thorugh mutual funds which i can redeem For home construction i need 20 Lakhs which I have applied home loan for all Should i redeem MF or use home loan amount which will be disbursed to me when needed? I have a steady income of 1 Lakh per month but have no emergency fund for now
Comment from : @kevinsheikh9870

Hi Rachana mam Actually I want information about Education loan for my daughters education my salary is 21000/- pm how I can get loan up to 15 to 2 lacks loan with minimum rate of interest
Comment from : @RareWareGamerz

please provide link to download excel sheet
Comment from : @laxmioo1

Madam in option 2 we didn't calculate ltcg tax
Comment from : @hindujak

Thanks for valuable guidance
Comment from : @pm_ind5572

Thanks for the clear explanation
Comment from : @aniketpagar2229

This video could have been much simpler poor presentation for the first time I found it difficult to watch through your video inspite of searching for this specific topic
Comment from : @johnmanjaly7063

How can we be assure of market returns
Comment from : @amessage3169

Education loan?
Comment from : @user-ew6ln1yz3c

Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them well at least my advisor does lol,
Comment from : @mathebulamkhize876

Hello Mam, it was really good comparisonwill it be possible to provide the comparision of option 1 and 2 in attachment of this video with Excels I want to check with diff raye of return
Comment from : @asonpethkar314

The same doubt was jumping in my mind for quite some time now Thankyou for beautifully clarifying it to me 😇
Comment from : @shashank521

you should have shown comparisons with 12 return too 14 is way too high return which is practically rare
Comment from : @nirajkumar-tl2ic

Please say about derivatives
Comment from : @shashankbv3366

Hello Ma'am, could you please make video on SBI term loan vs SBI Max gain home loan
Comment from : @srpawase

The 14 return on the Index fund is too optimistic, and the whole euphoria depends on it!
Comment from : @SoumenChoudhuryindex

The problem for lot of people is to find the right investment carriers that will give the 10-15 returns Hence in my case also I chose to put all excess in home loan prepayment
Comment from : @SettyS2011

अभी भी समझ में आते हैं पर थोड़ा ज्यादा मेहनत करना पड़ता है सो प्लीज ट्राई करिए थोड़ा हिंदी में भी हो
Comment from : @shilpakaria16

आपके वीडियो अच्छे हैं पर थोड़े हिंदी में होते तो हमें भी समझ जाते
Comment from : @shilpakaria16

Your all analysis are good I wish to take your consultancy for financial managment/ planningbrHow to go through ?brThanks brB K Shah
Comment from : @bhadreshshah6330

How much you earned?? LOL
Comment from : @ranjithnagamani1579

Thanks a lot for making this video Now it is easy to take a decision for whether we should go with repayment of loans or investing As my age is below 30 and I can be invested for a longer duration I will opt for Investing rather than paying loans beforehand
Comment from : @utkarshkothimbire1484

Home loan has tax exemption which also has to be considered
Comment from : @sriranjanim1460

Its actually worthwhile
Comment from : @pritamhait15

Hi teacher, yes I enjoyed 👍🙂 although I didn’t understand much 😒😅brbrIt’s not your fault though,, the video is perfect, it’s just me that I panic when I see so much of numbers and calculations 😅😅😅😂
Comment from : @abc4356

Amazing information
Comment from : @ruchir7in

I would suggest to go for both -brSuppose you have taken loan of 50 lacsbrPhase 1brIntermittently make prepayment to home loan account brand bring your liability down to around 25 - 30 lacsbrPhase 2brStop prepaying home loan and Start investing in equity
Comment from : @snehaljagtap

On investment, when we redeem, need to give 30 tax Include that also
Comment from : @pdpanchal115

One year old HL Is it good to knock off the loan with LTCG
Comment from : @bheemas9105

Well explained
Comment from : @ramawatarjangid4039

Excellent Video Can you please share the excel sheet that you showed in the video? It will be great help
Comment from : @sounakde9272

10 ℅ long term capital gain tax also to be deducted from final gains
Comment from : @ketanvithalani6067

मॅडम मला हाॅस्पिटल बांधायचं आहे त्याठी मला 3cr लागणार आहेत माझं ICICI मध्ये अकाउंट आहे मला दुसरीकडे लोन ट्रान्स्फर करायचे आहे तर किती खर्च तसेच माझं लोकन चालू आहे पण मला दुसरीकडे ट्रान्स्फर करायचे आहे तर इन्शुरन्स ला किती खर्च येईल आणि ट्रान्स्फर ला किती
Comment from : @Goldenwordes

England se ho kya aap
Comment from : @PradeepKumar-cf4sx

Marathi t ahe ka video
Comment from : @technicalstudio9877

Excellent video madamand it's always better to clear off credit card, personal loans
Comment from : @ramyasri6093

अगर किसी व्यक्ति की monthly income लगभग 50000 है। brतो वह कैसे अपना पोर्टफोलियो बनाये ?brजबकि उसमे उसको अपने परिवार के लिए होम लोन या बाकी लाइबिलिटी को भी पूरा कर सके।
Comment from : @widehaven2556

Thank you so much for sharing your expert views The "peace of mind" factor is rarely considered by experts
Comment from : @AkashKhanwalkar

मराठी मध्ये करा सेम व्हिडीओ ही माहिती सामान्य लोकांना समजायला हवी
Comment from : @sukhadkulkarni4163

The mathematical calculation is purely hinged around the 15yrs time duration If you shift it in either direction, I mean Closing loan in less than 15 years (say 12 years) vs Closing loan in more than 15 years (say 17 years), gains would favor Pre-Closure vs Investment differentlybrAlso, per year returns from market is variable so with all due respect I am not that comfortable with this calculation maa'm
Comment from : @ManoharSingh23

In case of home loan also consider the tax benefit you get on interest payment So if two people have taken the loan and availing 4Lc of tax exemption This could save upto 12Lc per annum (30 tax bracket)
Comment from : @nikhilgupta091

I have a personal loan of 2lakhs And have 2lakh in stocks Should I sell all the shares and repay the loan completely?
Comment from : @mihirmohanty9568

Now as Rates have increased, banks have increased tenure What will you suggest: To keep increased tenure as it is or to increase EMI to keep tenure as it was at the time of taking loan?
Comment from : @rahulchoudhari7325

Madam you didn't calculate the tax for mutual fund
Comment from : @saravanakumar4308

Please start your videos in hindi so that it’s easygoing for all categories of viewers
Comment from : @raheem119

I had preferred to close home loan and ignore all this maths I have definitely peace of mind :)
Comment from : @deepakagrawal1189

Thanks Rachana This is very clear explaination and my confusion is resolved
Comment from : @LearnProgramsCJ

Sab kuch Excel ke hisab se hota to aaj mein Crorepati hota😂
Comment from : @sameerhusain6585

So should I consider investing in equity without opting for home loan till I make sufficient money to buy home without loan best option? brbrBenefits :brbr1)Peaceful life because there’s no loan to repay br2)Equity rate of interest is more than loan interest ( For longer period of time of course)
Comment from : @bhushanpatil2995

In the calculations we should consider the capital gains which we will be paying in case of equity mutual fund :) ,brbrThanks for the analysis
Comment from : @mohitbhandari1106

Investing may or may not help you to get return But loan repayment will certainly help you reduce the loan amount
Comment from : @ShoaibMohammad07

Mam is it guarantee can I get amount mentioned in us sip after 5 years in us stock
Comment from : @MSanjayp

Complicated
Comment from : @Amolsshelke

Superb video
Comment from : @swapnamekkalki8068

Suppose, If I have 15 lac home loan pending, and I have that lumsum with me , and I am in 30 tax slab, in that case if I do 15 lac FD with my parents or wife name, and continue my loan as it is , this is also beneficial for me rather finish the home loan
Comment from : @laxmanbinawade8918

Unbelievable
Comment from : @ChiragSharma-gg2bp

Will you recommend to take personal loan and invest in stock market?
Comment from : @ravipandey1707

Is it good to sell the jewels and reduce the home loan burden ?
Comment from : @sridevisridhar5732

Excellent
Comment from : @sandeepghorpade1960

The resulting numbers are attractive but optimistic , nearly not feasible in reality :-) In fact, this type of tricks & logic may be a motivating factor for people to invest in real estate 😂 And, at the end cities become concentrated, manipulated property prices, pollution etc etc People, rather invest in your self, up skill , follow your passion, do job with zero salary expectations( which most YouTubers like she is currently doing 😂😂) trust me success follows you At that state money looks rubbish & just a material in life Nevertheless, it’s very informative & motivating video though - Rachana :-)
Comment from : @rahulvarma2100

Why tax benefit is not considered in the scenario of prepayment of loan ?
Comment from : @rahulvarma2100

Hye Rachna, suppose I have a decent lumpsump amount, should I invest it in balanced mf and use swp for home loan emi? Please suggest
Comment from : @VivekGandhimandsaur