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How can you best utilise a #promotion or #salary hike? We have come up with a quick #guide on how to make that raise work for you instead of watching it disappear! (1/11)
वर्षाला फक्त तीन अधिकचे हफ्ते तुमचं गृहकर्ज व्याजासहित परत करू शकतील ?
गृहकर्जाचा हफ्ता, जिथे कंपाऊंडिंगचा नियम तुमच्या विरोधात काम करतो.
पण या कर्जापोटी भरलेली रक्कम तुम्हाला अगदी व्याजासहित परत मिळाली तर ?
उदाहरणाने पाहूया,
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#Thread #वित्तसाक्षरता #म #Homeloan
गृहकर्जाचा हफ्ता, जिथे कंपाऊंडिंगचा नियम तुमच्या विरोधात काम करतो.
पण या कर्जापोटी भरलेली रक्कम तुम्हाला अगदी व्याजासहित परत मिळाली तर ?
उदाहरणाने पाहूया,
👇
#Thread #वित्तसाक्षरता #म #Homeloan
तुमचं गृहकर्ज : ₹40 लाख समजू,
8.9% वार्षिक व्याजदराने 22 वर्षांसाठी मासिक हफ्ता अर्थात ईएमआय : ₹34,583
बावीस वर्षांत होमलोन परतफेडी दाखल तुमच्याकडून बँकेला दिली जाऊ शकणारी एकूण रक्कम,
₹40,00,000 (मुद्दल) + ₹51,29,949 (व्याज) = ₹91,29,949
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8.9% वार्षिक व्याजदराने 22 वर्षांसाठी मासिक हफ्ता अर्थात ईएमआय : ₹34,583
बावीस वर्षांत होमलोन परतफेडी दाखल तुमच्याकडून बँकेला दिली जाऊ शकणारी एकूण रक्कम,
₹40,00,000 (मुद्दल) + ₹51,29,949 (व्याज) = ₹91,29,949
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म्हणजे 40 लाखांची परतफेडीत फक्त व्याजापोटी तुम्ही मुदलाहून जास्त म्हणजे 128% रक्कम अधिक देता.
थेट सांगायचं तर गुंतवणूक संदर्भातील कंपाऊंडिंगचा नियम इथे मात्र तुमच्या विरोधात असतो.
पण याच कंपाऊंडिंगच्या मदतीने वर्षाला फक्त 3 अधिक हफ्त्यांसह गृहकर्ज व्याजासह परत मिळवता आलं तर?
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थेट सांगायचं तर गुंतवणूक संदर्भातील कंपाऊंडिंगचा नियम इथे मात्र तुमच्या विरोधात असतो.
पण याच कंपाऊंडिंगच्या मदतीने वर्षाला फक्त 3 अधिक हफ्त्यांसह गृहकर्ज व्याजासह परत मिळवता आलं तर?
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How I reduced from home loan (49Lacks) tenure from 30 years to less than 10 years.
Thread 🧵
Thread 🧵
1) Why went with home loan instead of waiting for few more years:
- Like every person’s dream of owning a home, we also decided to go for buying our first home.
- Since I didn’t have enough corpus, didn’t have any other choice to taking a home loan.
- Like every person’s dream of owning a home, we also decided to go for buying our first home.
- Since I didn’t have enough corpus, didn’t have any other choice to taking a home loan.
- I know few people would prefer to stay in rented house for xx years & invest same in equities and buy home at later stage of life.
- Priorities differ from people to people. Likewise, for me also owning first house was the priority & it gives different level of satisfaction.
- Priorities differ from people to people. Likewise, for me also owning first house was the priority & it gives different level of satisfaction.
Enterprise is the lifeblood of the economy and PM Modi understands that.India’s historic rise in Ease of Doing Business is based on policies that have replaced the red tape with a red carpet..The Modi Govt saw #EODB rise by a massive 79 points+ 💪
#7YearsOfSeva #7yearsofModigovt
#7YearsOfSeva #7yearsofModigovt
When govt enables people's aspirations rather than being an obstacle, Ease of Living is achieved. Ease of process in citizen govt interfaces,ease of doing business &push to digital India are transforming India.
DBT has transferred over 13 Lakh Cr
#7YearsOfSeva #7yearsofModigovt
DBT has transferred over 13 Lakh Cr
#7YearsOfSeva #7yearsofModigovt
PM Modi has led a historic battle against corruption.Honesty is honoured&transparency is the norm.From getting British national Christian Michel extradited from UAE,to Vijay Mallya losing appeal in UK Supreme Court,thx to watertight case by Modi Govt,to now,nailing Mehul Choksi💪
Thread: Loan To Value Ratio
If you are a home buyer and plan to take a housing loan to finance your purchase, or if you are planning to invest in a housing finance company, this will add more to your knowledge base.
If you are a home buyer and plan to take a housing loan to finance your purchase, or if you are planning to invest in a housing finance company, this will add more to your knowledge base.
Loan-To-Value or LTV Ratio is the proportion of the home value that can be financed by Banks/NBFC's for your home purchase. So if the LTV ratio of a bank is 80%, that means the will lend you Rs. 80 for every Rs. 100 worth of home you are planning to buy.
Well, If the bank is going to lend only 80%, where is the remaining 20% going to come from? Your Pockets. Yes, Its called Down Payment.
Why is this ratio important for Banks/NBFC's? Well, It defines the risk that bank takes.
Why is this ratio important for Banks/NBFC's? Well, It defines the risk that bank takes.
Urban Photography exhibition & collection is a great way of visual storytelling that communicates the rapid growth of real-estate & infrastructure in last 5-10 years, aspiring people to invest in outskirts property, expanding the city limits, saving it from
