Pre EMI Interest vs Full EMI Home Loan

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Pre EMI Interest vs Full EMI Home Loan | Hindi

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6 жыл бұрын

What is Pre EMI Interest in a Home Loan? Should you opt for Pre EMI or Full EMI while taking a housing loan for an under construction property? Can you claim income tax benefits on pre emi interest as a deduction? Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/
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किसी होम लोन में Pre EMI Interest क्या होता है? अंडर कंस्ट्रक्शन प्रॉपर्टी के लिए हाउसिंग लोन लेते वक्त आपको Pre EMI या Full EMI के लिए ऑप्ट करना चाहिए? क्या आप pre emi interest में डिडक्शन के रूप में इनकम टैक्स बेनिफिट्स क्लेम कर सकते हैं? चलिए समझते हैं।
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In this video, we have explained:
What are Pre EMI and Pre EMI interest?
Why Pre EMI option is only available for under construction property?
What is full EMI?
How payment is given to builder with Pre EMI option?
What are the pros and cons of Pre EMI home loan?
How to compare Pre EMI interest and full EMI home loan?
How to calculate Pre EMI interest?
When should you opt for Pre EMI?
What are the advantages and disadvantages of Pre EMI?
When should you opt for full EMI?
What are the advantages and disadvantages of full EMI?
What are the tax benefits of Pre EMI and full EMI on the home loan?
Pre EMI और Pre EMI interest क्या हैं?
Pre EMI का विकल्प केवल अंडर कंस्ट्रक्शन प्रॉपर्टी के लिए क्यों उपलब्ध होता है?
Full EMI क्या है?
Pre EMI विकल्प के साथ बिल्डर को भुगतान कैसे किया जाता है?
Pre EMI home loan के Pros और Cons क्या हैं?
Pre EMI interest और Full EMI होम लोन की तुलना कैसे करें?
Pre EMI interest कैसे कैलकुलेट करें?
आपको Pre EMI का चयन किस स्थिति में करना चाहिए?
Pre EMI के क्या फायदे और नुकसान होते हैं?
आपको Full EMI का विकल्प कब चुनना चाहिए?
Full EMI के फायदे और नुकसान क्या हैं?
Pre EMI और Full EMI होम लोन के टैक्स बेनिफिट्स क्या हैं?
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Hope you liked this video in Hindi on “Pre EMI Interest vs Full EMI Home Loan".

Пікірлер: 216

@AssetYogi 10 ай бұрын

Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/

@FaceTheHarshTruth 2 жыл бұрын

Only Mukul sir can help his audience understand such difficult topics so easily 😍 Love you sir jeeee

@AssetYogi 2 жыл бұрын

Most welcome Akshay.

@19911027b 5 жыл бұрын

Been watching all your videos since 2 pm today. Work related stuff. Absolutely awesome work by you. Don’t have enough words to describe. Would request you to continue with similar zeal. Love your channel and your work. All the best.

@SM-er3dv 9 ай бұрын

Thanks for such a great and informative video.Helped me to understand in an easier way.

@pkdancereels 6 жыл бұрын

thank you sir,... this was a very good video... from long time i had confusion between preemi and emi. no one really explained us in this detail. I appreciate the work done by you. Keep doing the great work.

@AssetYogi 6 жыл бұрын

I am really happy that you liked the information on EMI and Pre EMI. I want to thank you for taking out time to appreciate my work, keep supporting 😊

@twinklestar162 4 жыл бұрын

Thanks for the Video and knowledge, in this video the Principal part in Pre-Emi has not been covered, and while the 5 years break of Pre-EMI interest is deduction is available and no comments about the interest part after possession, after the 18th month completion of Pre-EMI, the principal paid be shown for taxation if still under construction, kindly advise

@rohanbisht4597 4 жыл бұрын

Thank you so much sir. jo knowledge chaiye thi wahi mili. ek baar EMi statistics ka bhi video banaiyega kripya 🙌

@ashishagrawal6309 24 күн бұрын

Great explanation, thank you Mukul ji 😊

@prasadpardeshi2231 3 жыл бұрын

Awesome..... Exactly correct time I got this vdo Thankkkkkk uuuu

@AssetYogi 3 жыл бұрын

Keep supporting Prasad 😊

@sagarjadhav9869 5 жыл бұрын

Hi Mukul Sir, I am working with home loanc redit department in bank, actually i m new to this department but I have to achieve a good command on credit department,what should I do. I used to see your all videos on finance. I am requested to you for making a special video on credit department working structure. Thank you

@HemantMayatra 5 жыл бұрын

very useful video. when we share such knowledge with others it gets expanded. Though you directly observed or not. Really thank you for sharing knowledge and making simple short videos

@AssetYogi 5 жыл бұрын

Thank you for appreciation Hemant 😊

@mxtlegends....9819 3 жыл бұрын

It was very informative video, cleared all confusions..thank you sir

@AssetYogi 3 жыл бұрын

You are most welcome

@saideepak5766 3 жыл бұрын

Thats the most perfect explanation, i have ever seen. Thanks s lot.

@AssetYogi 3 жыл бұрын

Thanks for appreciation 😊

@sush2142 14 күн бұрын

Amazing video sir. Cleared all my doubts

@rohitchoudhury1 Жыл бұрын

Genius ho Sir..Har useful topic pe video hai aapka..

@jitendra_25 4 жыл бұрын

8:55 I am only select to invest my 2,00,000 on loan principal amount in investment, coz when my principal amount less then my EMI Tenure less / Reduce emi so after 20 yaer change in 18 year loan / less emi payment every month. This is best for everyone think about it.

@jackwil100 5 жыл бұрын

Wonderful. I like your videos as it is easy to understand and no jargon. I had question on properties sold as "No Pre-EMI till so and so date" (after which full EMI starts). I understand that it is paid by the Developer to attract more clients. But does this real help the retail investor. I am in one such contract. I dont pay pre EMI (it looks good to me). Flats are under construction and should be ready to move (almost same as EMI start date). Your views or any comments will be appreciated

@Pooja-dr7fy 3 жыл бұрын

Awesome explanation..Sir can you please also make a video on repayment of education loan in India. Which repayment method is better via part-payment or through fixed EMI. Thank you

@vijay192400 6 жыл бұрын

Thank you sir..u explained it very well

@AssetYogi 6 жыл бұрын

Hope it is helpful Vijay !

@RanjeetKumar-vl6es 6 жыл бұрын

Sir, please discuss tri partite agreement regarding home loan

@Hello12jd 6 жыл бұрын

Sir, how to change the property owner name from grandfather to the grandson in which his father and grandfather is no more/died. What documents required for this? Thank you

@rajeshshinde7704 4 жыл бұрын

Hi sir I m watching your video I have get deep knowledge about the loans So I m requesting you pls upload one video about Cash on credit card or PLCC( personal loan on credit card) so in pls brief what is the advantages and disadvantages Thanks

@shandilya2001 4 жыл бұрын

Excellent and informative video. God bless

@AssetYogi 4 жыл бұрын

Thank you Sanjeev

@kavichoudhari6719 3 жыл бұрын

Very helpful information sir .. thank you 😊👍🏼

@AssetYogi 3 жыл бұрын

Always welcome

@shekharkgade 5 жыл бұрын

Sir what is the major difference between pre ani option I and option II...???

@nagargojeharshvardhan2375 3 жыл бұрын

Thanks, Sir. So informative.

@AssetYogi 3 жыл бұрын

Thanks 😊

@asdfgh3098 3 жыл бұрын

Sir.. The way you explained... excellent 👌🤯🤯

@AssetYogi 3 жыл бұрын

Thanks Abhi 😊

@rajendranishad1530 6 жыл бұрын

सर, एक वीडियो प्रॉपर्टी vs म्यूचल फंड इन्वेस्टमेंट के ऊपर बनाए।

@ganeshchavan6161 5 жыл бұрын

Sir stamp duty underconstruction period me section 80C me B बेनिफिट मिलाता हे या नही

@amitsh56 4 жыл бұрын

any good advocate for resolving pre emi issue where builder is showing any light of date of possesion that already delayed for 2 year?

@satishkumar-qx1zt 4 жыл бұрын

Thanks for informative knowledge

@AssetYogi 4 жыл бұрын

I hope this will be useful Satish :)

@darshan2926 5 жыл бұрын

Sir what is tranche emi in home loan..? Please help

@smilingbuddha2817 5 жыл бұрын

Thank. You Sir 🙏

@parthsarthykaushik1418 3 жыл бұрын

Just one word...Awesome!

@AssetYogi 3 жыл бұрын

Thanks for appreciation 😊

@sohamash8910 3 жыл бұрын

You may please inform if I am paying full EMI against non disbursed amount,that case I will be paying more principal. What will be the benefits in duration of EMI??

@AmitAvneevlogs 2 ай бұрын

Watching this in 2024. You're a legend. Putting all Google searches to an end through your 10 mins video. Thank you very much! 🙏

@ajayvyas1782 5 жыл бұрын

सर जी धन्यवाद आपने मेरे होम लोन से सम्बन्धित सारे डाउट क्लियर कर दिये हेँ ।

@jagdishshetty2463 3 жыл бұрын

Explain about tranch emi

@rabichoudhury9092 2 жыл бұрын

How can we calculation for multi tranche disbursement if excel can share it will help full

@bharatkumarvlog3806 5 жыл бұрын

Pearson's correlation cooficient ke bare me explained kare

@in.meraki Жыл бұрын

This was so helplful. Thank you so much sir.

@AssetYogi Жыл бұрын

Most welcome

@smitasmita100 6 жыл бұрын

can u explain how to claim income tax benefits for under construction property?

@learntoobserve 3 жыл бұрын

Great Guy!

@rakeshbamaniya8730 5 жыл бұрын

Sir, Aap MCLR me NBFC company cover hoti hai ya nahi hoti hai uske bare me details video banaye. Agar nahi hoti to uske nuksan kya hai aur hame NBFC company se home loan Lena chahiye ya nahi etc. plz

@nageshdalave 4 жыл бұрын

Great video... Exactly found in this video what I was looking for.👍👍👍 Last point can you explain please about tax benefit is applicable or not in section 24. For under construction flat?

@sumit9665 Жыл бұрын

Sir can we claim both hra and home loan tax claim during under construction?

@kaustubhsa Жыл бұрын

Hello sir. I have a question. Though we opt for Full emi option, Why would bank charge full emi to customer on entire say 36 lac loan amount when the bank has not disbursed the entire fund to builder? It should charge emi only to the disbursed amount right

@vitalsweat2231 6 жыл бұрын

Solid ....

@mehul.brathva7265 6 жыл бұрын

Sir mane 15 lackh ka lon liya hay 20 yars uska intrest rate 10% hay uski emi 14475 aati hay to muje us lon kase bhar ni hogi aur koi upay hay to share karna marry sallary 25000 hay plz answre dena

@see4web 5 жыл бұрын

is there a posibility of zero emi payments in maratorium preiod? please guide me. taaki mujhe moratorium period me interest amount bhi pay krna naa pde and ye amount main loan amount me add hojaay.

@bablusharma8196 5 жыл бұрын

Agar loan amount same rehta hai par construction time 12 month se badhkar 18 month ho jata hai to uska interest kaise calculate hoga.... Pls

@anurag040891 3 жыл бұрын

Theek hai jee.

@santanabiswas2696 5 жыл бұрын

And loan keya floating rate pe Lena chaiye

@KeshavKrishnaIndia 4 ай бұрын

Hello Mukul sir. If we have a sanctioned loan of 10L, we have got only 8L disbursed and now we don't need further disbursement. Should we get the sanctioned 10L reduced to 8L. Is there any pros cons related to this, please explain.

@ajaj8398 2 ай бұрын

Pre Emi option mein can we make complete pre payment of loan after few years ( assuming sale of another property happens )?

@navod12 10 ай бұрын

Is part prepayment possible in loan for under construction property?

@ashishjangid8974 2 жыл бұрын

Superb in real estate knowledge 💯💯

@AssetYogi 2 жыл бұрын

Thanks Ashish.

@susmithalakshmi4301 Жыл бұрын

Home loan EMI vs BANK RD which one is best sir?

@littlerockstaradwait9724 3 жыл бұрын

Superb explained....👌👌👌

@AssetYogi 3 жыл бұрын

Thanks 😊

@amolburkule284 8 ай бұрын

Personal loan and home hoan maise konsa pahale close kare

@jaygandhi4556 2 жыл бұрын

is there any difference between part payment and pre-payment ?

@prabhakarpandey5133 4 жыл бұрын

Asset Yogi:-Just i want to confirm Pre -EMI and Full EMI depends upon customer choice ?

@mayanktailor2319 3 жыл бұрын

Can I choose Pre-EMI option and pay prepayment monthly, what I could save? This way I can reduce Principle too and reduce burden of Full EMI. Is it possible?

@anitabisht348 4 жыл бұрын

Sir ye bataye loan ki EMI badhane me faida hota hai ya loan ki pre payment me

@arjunsunar8570 2 жыл бұрын

Very helpful. thanks sir

@AssetYogi 2 жыл бұрын

Thank you so much.

@royalone. 3 жыл бұрын

Very informative video sir

@AssetYogi 3 жыл бұрын

Keep watching

@simplyfynursing7327 5 жыл бұрын

sir aap houseloan vale kese tax benefits le skte h ye tho btaya but me aap se request krna chahunga ki aap ek income tax return filling video with house loan benefits valo video dale

@tushardevardekar3169 6 ай бұрын

But loan is disbursed in parts so emi will be calculated only on disbursed amount right not on full loan amount?

@VivekKumar-lo8ky 4 жыл бұрын

I am looking for video on education loan repayment

@prashantvishwakarma9533 3 жыл бұрын

Hello Mukul, thanks for explaining very clearly. In case of full EMI for an under construction property, the EMI calculated in sanctioned amount but interest component the EMI should be on the disbursed amount only. This way loan completes faster. Is this correct?

@souravhajra9386 2 жыл бұрын

Yes, you are right. The more amount disburses, the more will be the interest component. And finally, when the full amount disburses, the interest component will be much higher than the principal component. But as you have contributed a significant amount towards the principal component in the part-disbursement stage, the loan will be repaid faster.

@shreys71055 Жыл бұрын

@@souravhajra9386 HDFC bank says this is not how it works

@souravhajra9386 Жыл бұрын

@@shreys71055 What they say actually?

@shreysoni4117 Жыл бұрын

@@souravhajra9386 this is what is was told eg: 40lakh loan and emi - 30k , 1st disbursement 5lakh so emi would be 5k in which principal -500rs and interest - 4500, same for 2nd disbursement 10lkh so till now total 15lkh disbursed now emi will be 10k (p-2000, int-8000) this way principal and interest will keep on increasing and at one point of time were all amt is disbursed then emi will be 30k (p-5000, int - 25k). I still don't think it's correct bcz if I go with full emi then my interest should be on disbursed amt and for initial months principal will be higher but they said this is not correct.

@amitdhobi8291 3 жыл бұрын

Sir building under construction ho to use me Pmay subsidy milti hai ?

@jadejavahrajbharamdevsinh9457 5 жыл бұрын

sir hamane 21lack me flat kharida he to esame dastavej ka kitna kharch hoga

@letstravelling3369 5 жыл бұрын

Sir Mai ek property kharid Raha hoon maine homelone k liye do ajents KO paper diye hai or wo dono ek hi bank mai apply kar rahe hai kya issme koi problem aa Sakti hai please guide me

@rhl_rs 5 жыл бұрын

Sir iska matlb pre emi ka sirf interest hi bharna padega? Loan ka jo amount hai usme se kam nahi hoga ...??pls repy

@Rajeevkumar-ll4hl 4 жыл бұрын

Nice sir

@anandallena6853 Жыл бұрын

Mukul sir your videos are amazingly simple and crystal clear on complex topics. I am from Andhra pradesh, I can understand Hindi very easily. Only problem with the numerals. Sir when you say figures in Hindi also kindly say them in english, so that i can understand fully. Because you unlock financial aspects which are studded with figures 😂

@AssetYogi Жыл бұрын

Keep learning Anand

@pncabhisek7949 11 ай бұрын

Sir brigade property mai ideally kitna appreciation milega. 2.5 bhk bangalore mai

@rishirajtank5577 4 жыл бұрын

Very good information.

@AssetYogi 4 жыл бұрын

Thankyou

@chintamanisutar1069 4 жыл бұрын

Ek property me mera pre emi cha raha hai but uska possession abhi tak nahi mila hai to kya me usko band karake possession ke bad start kar sakta hu

@PRAPALITECH 4 жыл бұрын

sir gramed me bank loan dyati he y nahi

@MsAkash08 3 жыл бұрын

Thanks very helpful

@AssetYogi 3 жыл бұрын

Keep learning 😊

@durgaprasadkkd Жыл бұрын

If builder provides pre-emi offer can we go for that, until handover builder will pay.

@ramvicky2323 Жыл бұрын

I want to know if we pay full emi means , how much difference will come

@riviera443 5 жыл бұрын

Thank You

@AssetYogi 5 жыл бұрын

Hope it helps.

@jayantkumarbehera6598 Жыл бұрын

I came after watching video of moratorium period in education loan and home loan...........love you sir forever for your good way of concerned

@AssetYogi Жыл бұрын

Thankyou

@nasirshaikh9177 Жыл бұрын

Kya ap is example per actual pre emi kitna hoga per month 2165 right

@user-mw7mk2jj5j Жыл бұрын

Hi Sir, assuming if I have paid 5 lakh total interest from 2020 to 2023 till flat possession Can I claim 200000 (current year home loan interest ) +100000 = total 300000 for next five years in my income tax filling ?

@RockStar-mo8qi 9 ай бұрын

Dear sir make video on home loan transfer

@tradingtravelling3806 Жыл бұрын

Can bank have power to cut emi before 30days.

@madankamble3521 2 жыл бұрын

Jitane ka home lon pass hyaa jyana hi Leno hota he ya kam bhi le sakate he..

@prangers9913 4 жыл бұрын

Does pre emi and advance emi are same

@chinmaybabhale1813 6 жыл бұрын

Nice explained sir.....if you can explain 10:70:10:10 nd 5:75:10:10 etc.schemes in details through video that would be much helpful

@chinmaybabhale1813 6 жыл бұрын

But now Some banks have closed down the Full Emi option in under construction case.....Tranch Emi option is there

@AssetYogi 6 жыл бұрын

Sure, I've noted down your topic suggestion for future videos.

@dr.rishabhverma8670 Жыл бұрын

Emi construction khatam hone k baad kitne month baad start hoga….?

@regalsq5036 3 жыл бұрын

too good details shared

@AssetYogi 3 жыл бұрын

Thanks :)

@omkarsalvi3726 Жыл бұрын

Loan lene ke Turant bad emi start hota hai kya ? Ready to move flat meh

@amisingh4932 4 жыл бұрын

Sir mera home loan chal rha h or mere home loan ka interest rate kam ho gya h but EMI kam nhi hui मार्गदर्शन करें

@sachhusunona 10 ай бұрын

I didn't choose to pay pre emi but bank (ICICI) started pre emi. Now after 10 month I got to know about this. Can I do anything to adjust my emi ?

@satyarajvenkat 4 жыл бұрын

Hi Sir, Very Nice Information but i've one question , If i go for Pre Emi Option and let say after 6 months I've some lump sum amount available. Can I pay that towards principal and in turn will there be any reduction in EMI once I occupy the property ?

@arpitamandal6469 Жыл бұрын

Depends on your bank if it allows for prepayment, yes your tenure will diffenately reduce. Along with interest part which you pay as emi