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In the era of taane maarne wale fathers.... U are the True father figure who is creating impact in the life of youth... Thank you

Great video sir. Nice reply to Finance with Ankur Shrivastava.😂 I have actually done the maths in excel based on your calculations and turned out that it's actually beneficial to buy a house than rent it in a 30 year horizon but on the following conditions 1. Min. Rental yield is 3.5% 2. Rent appreciates min 8-9% every year and property doubles every 10 years. 3. Down payment = 20% 4. Rate of interest = 8.5% 5. Avg. Return from mutual funds = 12% 5. Last and most importantly, joint home loan is taken by two people who are in 30% income tax bracket to maximise tax deductions.

Real estate is the only way to build wealth! Totally nailed it! I bought my first house in US in 2020 and now have 6 properties, tenants are paying my mortgage and my wealth is increasing rapidly! Reaching financial independence!

My PG owner bought property in 2002 worth Rs. 2.75 lakh. Now, he's getting rent 3 lakh monthly.

I am just 19 years old and very glad to have found all your channels at such an early age.

I bought flat at age of 24, loan cleared at 27, in Pune in 2013 at 52 lacs, sold in 2022 at 58 lacs. The flat was on rent since 2016 and since Covid much rent was also not there. Property has got many variables like city, location, areas nearby. Although my area h as great growth and multinational companies coming nearby still returns were not good. I have used all the money from selling of flat into stocks and in last two years have seen 12% growth in stocks value although it is bad market still earnings is more than seen in my property of 9 years. Apart from low returns, maintaining the property was headache, finding tenants used to be headache and selling the property was another big headache. Buy property only you want to live in it!

sir sabse important point jab aap ghar khareedte hai to mental satisfaction kitna zyada rehta hai. usme bhi ghar plot lekar banwao to ahaaa.... sab kuch apne man ka. koi aapko tok nahi sakta koi apko sawal nahi kar sakta... ghar mai kutta palo yaa billi koi shikayat nahi kar sakta padosi..

Great learning I am 57 years old. You are correct. I start my journey and after 32 years of working made 2-3 property first and for the last 7-8 years doing sip and invtesting in stocks. You view is correct but my thinking and feeling after seeing the market senerio that our childrens are not hard working and they are not even doing the rent collection, building maintenance work of their property, depositing their house tax , water bills on time. So in that view investing in a mutual fund and in etf is good. My suggestion/opinion.

What a coincidence! Today I was arguing with my mom that I don't wanna build my own home as I don't want to bear those huge emi's but sir your wise thoughts just inverted my mind. Thank you so much for opening my eyes 👀❤️❤️❤️

Insightful session. I am not against buying flat or plot but just sharing my experience. I had booked flat in noida in year 2013 still awaited.Builder was renowned in during that time.Still paying EMI.Had I invested same amount in SIP it would have grown to more than 1.5crores. Housing is need I agree but buy ready to move-in for end usage. Stamp duty,registration are huge cost. Also real estate is not something which will grow always.please read on Japanese real estate bubble burst in 90s. Nothing is in black and white ,take decision as per your situation.

Guruji is king and this proves why experience is important and achi chize sikhane ke liye time lagta hai 30 sec ke reels or shots ne nahi milti❤

sir ye bilkul sai baat boli, jaldi ghar leke, jaldi loan khatam kiya, ab apne terms pe kam ho paisa ho to hi company me rukta hu, nahi to change, boss ya company cannot do anything, open market he.

Mazaa aa gaya guruji... Today's lesson: life is a cricket match.

In 2015 I was paying 12K per month rent for a 2BHK in Hyderabad. It was a new society, so I bought an apartment and started living in it. Obviously, thereafter I never paid attention to the ongoing rents. Last week shockingly I learnt that people were paying 26K per month in the same society for the same size of apartment.

You are like an eye opener for me. I don't know how I came across this video. I hv unsubscribed all the KZfaq channels. You hv given me a different prism of looking at life. Practical and blunt!❤

Sirji. You are always the number one clarity giver. 🙏🙏🙏 Awesome video again, about sharing the insights. It has helped me a lot in many ways. Yes, definitely we need the prediction video for the next 1.5 - 2 years for real estate domain. Keep rocking !! 🕺 🕺 🕺. 🎉🎉

I bought Villa and in 6 months 50L appreciated. I built a building with 6 flats @1.5L rent per month, but I knew return will be less compare to what I invested but it’s fine & went for it as financial security for family where they don’t have worry if I am not around and rental adjust with inflation.

Eye opening discussion, like a Guardian 🙏🙏 very good.

Sir your channel giving more clarity.।। Thanks a lot sir.।

Zabardastttttt Mazzaaaaa Aa Gayaaaaa, Guru Ji! 🔥💫🔥

Thanks Guruji ! Apke Videos ko samjh kr me and my wife hav purchased a 2bhk 8 months back , today it's rental yield is 3-4%

My friend buy flat with 38k emi per month. Same building i have got same kind flat with 10k rent.😂😂😂 I m investing remaining amount in midcap and small cap. If u invest such amount in property u must get land also. Buying flat in building is waste. Till the time loan finished, flat become old and useless. Next year i m looking to buy farm land at native.

Sir you are always right 👍,i am a subscriber of your all 3 channels, you are so true and wise, शत् शत् नमन आपको 🙏🏆🎉🎊

Great Video. Couldn't agree more as I purchased home 3 months ago.

Sir you are giving right and practical advice in free. I got my first at 25. age GZB LIG. Second at 40 Delhi 2 bhk builder. Third MIG Mohali society at 45 it’s possible in JOB. saving 25 tho. Rental Living in own house and 20 as rental income and income tax saving 5 tho per month on H loan. Never invested in Stock . 🙏🙏

Thank you Sir ..your every videos are eye opening with all new information..

Real Estate, Pure Gold and Silver are best way to invest. But the problem with real estate is that when it goes in dispute it becomes zero. Anyway it is personal decision of people. Better they should learn from their experiences. But bragging about yourself is the worst thing one person can have and it is also your habit. The best way is to have balanced portfolio, Real estate, Pure gold, silver etc. That is the best wisdom.

The way you explain about real estate and Mutual Funds is really awesome. How to play on the leverage being offered by the banks

In 70s my grandfather purchased a shop as I remember For INR 2000 and now giving rentals for around 23000 p.m. , clearly indicates the astonishing returns of original investment but if we consider yield, the equation is same, but bechna hee kyon hai, go to hell with the yield and market value.

Sir you are a blessing for youth, thank you for your advice always on point.. God bless you 🙏🙏👍

You're the number one clarity giver for sure...Please make more videos for the guiding us and the youth of this country for make a life for themselves.

Taauji you really nailed it, to the point explanation 🙂

Never ever buy flat for living! I would share my story some other time. Rent rent rent is way better don’t listen to this gentleman

Wonderful advise sir👏👏👏Jabardast answer to all

I totally agree. I bought a flat in 2014 for 19 L and then a duplex 4 bhk villa in 2022 for 53 lakhs. I currently stay in that Villa. I pay around 33k EMI for my villa. But if I ever have to rent this villa out, I will easily get around 37-38k rent for both floors (2bhk each) due to the two universities which are within a 4-5 km radius. I am saying this after seeing the same villas which are given for rent in our society. So, almost 8-9% rental yield. Currently, the price in this area is around 65-70 L for the same villa (Almost 20-25% appreciation in 2 years). But that flat that I bought still has the same value. So, not all properties will appreciate. Need to be careful while buying. ANd yes, when you buy a house on EMI, you get serious about your job and will try harder to increase your income. If everything goes well, I will be able to pre-pay most of my loan (almost 80%) in the next 4 years as few of my early investments will mature at that time (PPF).

I agree. I am around 40. Live in Navi Mumbai. We had finished our home loan just before covid and started spending that amount saved per month after that unnecessarily. So, we decided to invest half of that amount in SIP and remaining for a smaller flat nearby. Its underconstruction Mivan construction by a reputed builder. We bought that for our 12 yr old son, so that when he starts his family he can be independent and yet we will be there close by of he or his wife needs help.

Absolutely correct.. I have followed most of the points that. You have discussed

Very nice Sir wonderful explanations and Eye opener for young and even older people, very practical approach

What a Clarity on this burning Topic ❤

I totally agree with you.

Loved the video sir Awaiting for the predictions

Pranam Guruji..I was desperately waiting for clarity on this topic from your side !

Very Truly said 🙏🙏

amazing sir, thank you

Very nice video n information shared is also very valuable, thanks

Thanks Guruji... MAG.... Waiting for the next shot from you :)

Bilkul sahi bat kahi sir apne aj un logo ko jawab mil gya jo mujhe mere decision ke liye criticise krre the .

Ye aadmi ye nhi samjh paa rha ki... Ek stocks me aap bhot jyada lose nhi krte... Lekin ek property galat nikalne me... Jindagi ki saari kamai nikal jaati h... This man won't stand for a second in a debate if confronted. Here apna KZfaq channel h to koi dikkat nhi 😂

Sir thank you and namaste I am in job and your videos really helps us give multi dimensional perspective. And sir i assure you some very smart and hardworking youth is watching you and wants to say thanks.

Real estate investment is the mother of all investment, people earn from any industry and invest in real estate.

Guru ji...I follow Akshat and Ankur...I was very impressed by them but somehow I had a feeling that they don't give the complete picture...after watching your video I can see the Complete picture of the real estate..Thank you and keep posting more on real estate

I have been working for 1 year and have accumulated 15 lakh in savings and the stock market. Will buy a home in gurgaon like places for rental gain when I reach 40-50lakh

Very Knowledgeable Video Sir Ji 👌🙏

You should watch vivek Singhal rent vs Buy. It will be a very interesting thing to hear your take

Guru ji.. apna portfolio diversify karna padta ha.. property ke baad.. equity investment bhi karni padti ha.. 10 Lac ki need ho toh ratoon raat share bech saktey hain.. par property araam se nahi bikti... loan voan ke chakkar mei ham naa padtey.. Baaki jo property ma fasey bathey ha wey stock ma hi invest kara hain.. JP ka Yamuna expressway ka project 10 saal ho gaye khun pee rha ha kayiyan ka.. Aapki baat apni jaga saahi ha....jiski kismat jit chaal ja ha..usnay wo hi bhadiya laggya kara...Raam Raam ...

Absolutely fantastic

Buying a flat does not even beat inflation. Appreciation is less than 7-8% but in MF you can expect at least 10%. I am not saying one should not buy a house but only when they have 70%+ house value so minimum loan and no corporate slavery. You said one will work honestly if he is having a home loan is illogical. Sometime covid like situation can occur and PPL may lose their jobs. Will the bank wait for EMi till the person gets a job.

Eye opening for Investors.....Thanks Sir for your inspiration videos

Perfect n bahot archa bataya hai, v gud

Thks sir u gave a lot of clarity to me

Guru ji ko प्रणाम

Great and practical video ❤❤

We need it sir❤🎉

Wife k kiye sukoon he ghar but jisko emi pay karna usko nind nhi aati..wo freedom kho baithata he..life insurance to chaiye no issue with that and relatively life insurance ka premium bhi kam hota h..not huge like your home loan emi

बहुत ही बढ़िया गुरु जी,👍

If you have liquid cash or black money buy... Taking loan and buying its a liability

I love the video. And I have the same mind set as you sir. I have bought a property in dwarka last year getting rent out of that and at the same time I am living on rent but in cheaper flat till my marriage. Got that aura in my family and inlaws al the respect support financial stability coming on its. The bad thing about your video is you leading customers to the hidden product

Very nice video 👏 clarity given for us

Real estate cartel pays huge commission to promote their highy overpriced products .....China is an example where real estate boomed and people lost their investment in real estate

Guruji ekdam correct Zerodha k owners kaa paisa real estate, FD and index funds mein hi laga hua hain.

Taking name of these financial influencers is bold step and shows that truth wins the false.

Great advise sir. I m also of the same opinion

Don't buy residential property by taking loan. If you can buy it with your own money then only consider it buying.

गुरुजी आपने बिल्कुल सही बोला है लोग परेशान हैं इस बात से लोगो के पास घर नही है

A flat will depreciate over time, I can never get a buyer for a 20 year old flat for current market price. However we can't generalize but overall depreciation in real estate is definitely a con. However if is a plot or a isolated property with the land then I agree with old man In a brand new bottle. 😂😂😂

Sir, the way demographics of india is changing, i think to buy a home now will serve home for the population who is in majority after 30 years. There are examples like pakistan, bangladesh, kashmir, kairana and many parts of india... Is this point not worth the discussion?

Sir no flat has a lifespan of 150 years. And I have a counter argument, you are not considering the interest lost on the initial deposit amount over the years. Considering most people pay 15-20 percent of the property, and considering CAGR, that amount will offset quite a bit of the ongoing rent itself. Taking huge loans at 6 percent or more is a bad decision. Another big assumption you made is that prices in next 30 years will go up same how they grew in past 30 years. That’s a dubious argument as wages are not going to go up as much l. Long story short, buying makes sense when home loan interest rates are lower than expected annual appreciation in the property. Otherwise, keep renting …. And rent cheap !

Nice and Meaningful in few and Exact words

The comparison is good but i request you to include maintenance charges of the flat, although it may be a minor consideration.

What crap man. Why say 2% Expense ratio? There are MFs / ETFs with ERs lesser than 0.2%. Also, when you buy properties, the yearly maintenance & property tax etc is same as expense ratio of MF. Useless example. You are also cherry picking numbers and without telling infos like ER = property tax/maintenance fees etc.

Pune property purchased in 2011 at 18 Lacs.. today the rent is 5k. 10 years ago rent was 4k. 😢 Currently buyer is at 27lacs.. very poor investment in metro city like Pune. Area is not bad as one would expect. Problem is area is growing and nee properties are more in supply than demand

Amazing Guruji !! Real estate kyu lena chahiye is baat par aapne aankhen khol di !! ❤

Simple math. i was paying 40K in rent and now paying 50k EMI. So paying 50K EMI much better then paying 40K in rent.

Muu thod jawab video to all SIP Karo and Ghar vs SIP excel youtubers... Hats off to ur wisdom sir..😊.

This is such a wholesome video !!!!!!!

Just love it, perfect he is best

Your are great GURUJI 🙏

I completely agree with you sir 🙏🙏🙏🙏

Ur thoughts is great

Thank You

Amazing eye opener content

Buying a flat is never a good decision. Specially in India. It's like buying a car. after 30 years no body will buy the old flats . And 500 flat owners will never come to a settlement to re develop it . Today's youth are earning lot of money and the builder nexus want to loot it . Don't waste your hard earned money to feed these goons . Even you should stay away from stocks and mutual funds those are manipulated when it will crash you don't know. Only keep your hard earned money in govt schemes or renowned banks. Don't gamble with it. Even if you want to buy a flat buy resale you will save quite good amount of money.

Excellent presentation.

Very true Sir.

You are a good educator ❤️✌️

Great analysis by Shri Amit Sangwan

Thank you😊

Yes, need video on how to buy 4 properties in 20 years

Jo Banda paise hote hue puri zindagi rent pr rehta hai uska koi vajood nahi hai