ZERODHA waala zabardast tha. Exactly some people don't think and look beyond urban areas. Excellent thinking.

Exactly what I was searching for. Was introduced to this concept just by accident, and now got to know in much better understandable way from you. Will not say understood everything but certainly got more clarity on it. Thank you very much for sharing.

क्या बात सर् जी। आप तो काफी ज्ञानी निकले। रेंटल इनकम इतनी आसानी से और गारंटी के साथ आती तो फिर बहुत सारे बुद्धिजीवी इसी लाइन में आ जाते। रेंटल इनकम के साथ जुड़े हुए रिस्क कौन बताएगा। आइए प्रैक्टिकल रिस्क समझते हैं 1. अनियमितता 2. टैक्स 3. आए दिन के लड़ाई झगड़े 4. प्रॉपर्टी कब्जा 5. आत्महत्या, रेप, जैसा कोई बड़ा कांड होने पर कानूनी पचड़े 6. प्रॉपर्टी का रख रखाव 7. प्रॉपर्टी का अवमूल्यन ऐसे न जाने और भी कितनी समस्याएं सिरदर्दी का कारण बन आपको परेशान करती हैं। It's not as straight forward as being discussed. Also under the new tax regime forget about tax saving. Every one has to contribute it's dues😊 It's your luck you get a good tenant and enjoy rental income. I've seen people loosing their hard earned money despite of having good drafted agreement 😊

Nicely explained. I believe one needs to pay 20% downpayment + 6% approx on registry. Additionally, we need to consider opportunity cost on above amount paid upfront from pocket.

Sir, very deep message in the video as always..rentals will attract income tax also, still apki calculation ke anusaar 15-18 saalo mei free ho jayegi property..Robert Kiyosaki ne khud apni life mei ye baar baar kiya hai..key is the right property..look forward to your webinar VP

Sir,Good evening I m already doing same what you are explaining in this video from more than 25yrs.very knowledgeable.Ajay Chaudhary

For the first time i watched your video and within 7 minutes i understood you are on a different level sir... Unbelievable investment ideas... No fancy shorts only knowledge 😊😊

I agree with your example... In asansol, rent for a 2bhk flat in a modern society complex worth 25-30 lakh is 8-10k per month, which is more than 3.5% of the total property value... The KZfaqrs giving example of 2cr property in Mumbai, really don't know the rental yield of 25 lakh flat, and doesn't concider the fact of a tax exemption on home loan and a permanent & increasing income source with having an asset...

I fully agree with what you have discussed because I've done the same thing. I bought a small place in 1993 in the outskirts of Mumbai & saved on I tax & was living there. Sold it in 2008 @ 5 times original rate & bought little bigger house within Mumbai with a loan. Presently posted in Bangalore & enjoying good rent from this house. Very true what is explained as it's my own experience

Hi Sir , very useful video . I am 50 year old female corporate lawyer , now in between jobs . We shifted to dubai in 2016 from Chennai. We bought one flat in banglore in 2002 and now it is 6 times costlier than our purchase price and now no loans on it, getting 25000 per month rent. We have a high end villa in Chennai which we bought in 2012 with huge loan, now we have paid 70 percent of the loan and getting a rent of 60000 too. I feel accomplished. We have booked our retirement flat in tier 2 city in kerala too, that too on loan. I am sure in 10 years time while we retire we will have three loan free houses and will retire rich. We are middle class now so as discussed in an early video we took loans during the early stage of life itself and

You are the real old school and knowledgeable person. Koi daada, chacha ya pitaji ke jaise samjhate ho... Excellent.

Excellent video. Validated by our experience. An IMMENSE value adding idea.. A known person bought a flat in bangalore for 92 lacs inclusive of registry and furnishing. Down payment Rs 20 lac. Actual EMI Rs 52000 approx for a loan of Rs 72 lacs. Market rent 30000/- Tax saved Rs 9000/ So net payment for adding asset of Rs 72 lac is Rs 13000/- per month ( 52000-39000). Now they are planning to reduce EMI by further downpayment so that rent + tax saving is equal to EMI and then let the tenant pay the EMI and buy another flat. This is the best way to increase assets through leveraging.

It's first time i have watched your video and I want to say that you are saying brutal truth. Nowadays many Financial KZfaqrs are destroying youths by giving crap advice. What i have learnt keep your match simple, finance automatically become simple and everybody will reach financial peace i theirs life. Appreciate you Sir. 👍

Totally confused. At the end of the video, I was still clueless where the main subject is being touched. You are occupied to sell your platinum membership than explaining the subject..... disappointed.

Great video sir. Please make a video on how to shortlist and buy small ticket size property in Bangalore as you mentioned, as the prices here are quite high and beyond the budget. I really liked the idea of investing in multiple small properties rather than 1 big property.

Sir I purchased a 30 lakhs 3 BHK apartment in Bhopal in 2015. Decent locality and society. Not too far from city. Even today the rental yield is only 8200 per month. It’s just around 3 percent per annum of total investment. On top of that I am paying Rs 13,000 per annum as society maintenance. Today the selling price of that flat after 8 years is not more than 32 lakhs. I am not sure if it was a good investment decision or not.

Sir really enjoyed what u teach in this video and your vision change my perspective of thinking. Now I am more positive about real estate and want buy some good one. Recently one of my relative contact me regarding a property buying and i show no interest. But after seeing your video I rethink about it and if this property fit to me i definitely buy it. Thank you sir.. ❤🙏🙏

Sir the same thing I used to educate my friends , seniors & all, but people are busy complaining about how they don't have money to do that, do that etc etc. I'm glad you are doing it for the large public I'm doing it to my knowns who believe in me

Very well explained...thanks for sharing...You need to watch till the end of the videio to get the entireity of the topic....🙏

I love the way the explain the facts. I had confusion about buying the small property and large property. You clarified it. Thanks lot.

Remember that real estate investment is a long-term commitment, and it's essential to have a well-defined strategy and realistic expectations. As with any investment, there are risks involved, so it's crucial to do your due diligence and seek professional advice when needed.

One of the best videos sir. You have explained the basics which doesn’t meet the eyes of a common man and despite being sundry remains elusive. Kudos for such insight with simplicity and straightforwardness.

This is by far, one of the best vdo on property buying.......

I am not going to buy a property now but the things you have explained may help me making my decision in near future !! EYE opening explanation .

sir this is an eye opener ......could never assimilate of buying a property with this in mind.....as Mr robert kiyosaki has harped to grow assets and reduce liabilities.....jo aap keh rahe ho wo to Mr Kiyosaki bhi nahi bata paye apni book 'rich dad poor dad' mein

1 critical point missed. There is a catch in buying a property. If you buy it at wrong time(market boom) or at wrong place your investment is doomed. Thousands of corporate employees had invested in Noida in last decade 2010 - 2018 and all are repenting now, though Noida was perceived almost equivalent to Gurgaon in those times and made sense for investment and ticket size was also small. Now same guys recommend share market as better place for investment.

Finally found a sensible KZfaqr and someone who thinks like me. Subscribed !!

You are just Excellent sir, I watched your video second time. Really it's an eye opener. Thank you Sir. Best wishes to you.

Aaj ka gyan....... Alto property pr focus Karien kyuki rental bhi asani se ho jati h. Thnk sir🙏🙏🙏

Wow! ! Having small small properties spread evenly is better than having one big property. This is diversification. Currently I am planning to buy a big property but I am changing my decision now. "Aap ne to meri aakhe khol diye." Thank you sir ❤️.

Sir aapme gazab ka confidence hai unbelievable 💐

1st video i watched by you sir. im 22 years old. love the way you tell things like a father!

Thank you for this video sir......I have also seen the video of many influencers stating the benefits of renting the property and honestly I disliked that video and it made me so angry that they were misguiding the public which was very wrong.... as I am from financial field and I know the benefits of owning a property I wanted to share my views so I wrote a whole letter to that person how he has not taken tax benefit for the calculation and misguided the public.... You have very clearly stated all that was in my mind and I feel so relaxed and extremally happy that you have busted the myth. I congratulate you for the video and Thank you for making such true and pure knowledge content.

1. RENT WILL BE DOUBLE IN BEGINNING OF 9TH YEAR INCREASE AT THE RATE OF 9% AND NOT 7.5 YEAR. 2. EMI includes part payment of principal as well along with interest. rent will be 7% in 16th year. 3. why adding 3.5% & 14.5%? please explain!

Great knowledge sir, thank you sir 🙏

Thank you sir for such a great financial literacy

Excellent. You have provided the gist of becoming rich by using oneselve's leverage of credibility in a wise manner. Kya aapko achha lagta hai aur kya aap ke liye achha hai. I am into real estate for the last 35 years. But find it difficult to make others understand this concept. Anyway, with god's grace, this concept has made me rich. Hadn't for this learning; i would have long gone into oblivion.

Thankyou for the insights. I have read RIch Dad, Real Estate Investing and Tax Free Wealth. They surely are great books. I understood your video well and aligned with you and RK about starting small and then scaling up. Real Estate excites us. Just a question- How can that 3/4% deficit (Loan %tage - Rental Yield) be nullified or reduced drastically. Also, In India, i am looking for a professional property manager who can manage properties anywhere especially handling of multiple properties moving forward.

I agree with u sir do your investment split up and morethen one unit ,1= 10 ke badle ,4+4+2=10 / 4+3+3=10/ or at list 5+5=10 ,5+3+2=10 ,i think best is last one for middle class like me.

Excellent true about property. I purchased property in 2021 mid after 1.5 year it's increasing i.e. my property increasing by 17 to 20 %. I noticed that compared to city in town pricing more high in terms of land house.

As per your guidance, it seems that initially, investing in 1 bhk must be the best option. Value of 1 bhk should be

Most people didn't understand this video was just awesome ❤❤❤ I was trying to STR ahead in life. You made my choice so easy. This would be an excellent way to retire... Sir

Guruji Thanks for sharing your wisdom 🙏

Sir ghr me book hai..maine kbhi dekhi bhi nahi..ab jarur read karungi. .🙏🙏❤️❤️

Quite informative and honestly very different from what other financial advisors are recommending. Btw I had one question which might not be directly related to this video - Is it good to opt for a home loan at a fixed rate of interest or floating rate of interest?

Sir your videos are interesting and informative.. Really liked the idea of having multiple small properties.. Can you pls suggest about property at Nagpur.. As we have a flat there are not staying there right now.. So my husband wants to sell it off... Is it a better idea or we should keep it. We are from Odisha and have two small flats in Bhubaneswar there but at present posted in Kolkata. Want to pay off home loans soon.. Is it a better idea to foreclose home loans.

It was really good and informative wrt to understand the property valuation ,profit percentage and returns. What exactly difference between govt lntrest rate and our interest rate wht u said in video...pls explain. 🙏

1 ) I also feel the same LIC sold to my father 25 years back , with 5,000 per year , was returning 5 lac was a very big thing that time ( like 50 lac ) so he did not invested much . but it gave only 5 lac it like penny this is called inflation which nobody has taught us. 2) Agree , Small property rent increase is most due to demand and limited paying capacity of any person as 70% of population is not rich and 30% rich will always prefer own property instead of big rented house

So nice of u sir ji. It's really very very useful. I m personally getting clarity about my finances, with ur videos. Orelse I was in a dilemma, am I going in right or wrong as for my financial commitments. Thnx a lot. Superb sir ji. Too gud video

My father & I took a decision to buy a flat in Hyderabad, LB Nagar area (growing a decent pace). We were 8 people who bought the land at 30,000 per square yard in 2019 and started construction after 6 months. We build 4 floors with 8 flats. For us, the 1400 Sqft flat cost us Rs 60,000 overall and we didn't take a loan because during Covid time (Jun to Dec 2020), we were not getting home loans as there were no builders and the land was registered in the name of those 8 peoples. So we were getting Loan Against Property with an interest rate of 13%, commission of 1.5 to 2% and overall it was coming to 16% to 17%. So we didn't go up for the loan instead took credit from known people at 1% interest every month which too a nominal amount of 7 lacs. I am staying in these flats. What I did is a good thing or not??

So nice knowledge nd great clip sir...A big salute for you

Yes sir. This is unique way of growing rich. I have already done this in my life.

Very good explanation sir, please make a video on buying resale flats which are 15+ years old are they worth it.

Get Loan only if you need for Your own living... Otherwise loan is like poision

You are delivering very authentic and fruitful knowledge. I learn a lot of your vedeo. Thanks sir

Eye opener video sir.Well explained.I will surely act as per your advice

Early payment of loan is foolish, I always said it, but nobody agreed. Now they will. Thank you Sir.

Thank you so much sir I recently started my job and always want to own properties because they are real and such a pride but KZfaq always demotivate me and you finally solve this confusing dilemma for me in near future I'm definitely gonna use your formula.

Very true , awesome analysis sir. Mind blowing analysis 🙏🏼

You are really a gem. I never had this much of understanding even after wasting hours on watching many videos.

Any services,business,insurance plans,investment, jobs which can't fight inflation will create a debt trap.The person or the company will always be in crises. One may window dress the statistics to show a cosmetic model of performance, but the cash flow will speak the facts,if one is able to analyze the data, and interpret the real meaning of it.

Thankyou Guruji ! Straightforward , to the point and genuine content .

Excellent idea and matured advice for middle class 👍

Love your channel. Your information on all topics are helpful n valuable.

Video is good sir.... Common sense is not very common. I need your personalized help to put in some aspirational property buy in the right perspective. How to connect to you

Sir ...Kindly make a vedio on EPS 95 pension related recent judgement of supreme court...Few channels are saying court has allowed employees to opt for higher pension on actual basic salary and few other are saying that court has kept 15000 capping intact for pension calculation....Kindly make a proper vedio for the layman understanding of EPFO pension system as of today... Are we going to get just 7,500/- pension irrespective of getting 6 digit basic salary ?

What a wonderful thing you teach sir, thank you so much, keep it up,

principle amount pe inflation.. Sach me Gr8. Never thought from this angle

I m ur new subscriber me n my hubby both wrk we did nt buy the house as 15 yrs went payg inter in my old flat so I sold off before covid as real estate was down then covid sudenly prices increased three times I regret for selling my flat I bought it for 30 lkhs after covid same flat was costg 75 lakhs

Sir will it be wise to invest in plot of listed company at lucknow for beating inflation?

Very informative...thanks

Good topic and it makes difference but not everyone can understand your point of view . Excellent

Sir first of all I salute you , for your willingness to share your long gained raw knowledge. And having an absolute sense of talking in layman terms . Bhaut badiya aapki baaten sunkar . Thank you

Fully agreed sir. I'm a real estate developer in kolkata. We construct stand alone small buildings, G+3, G+4. Price range 22 lacs to 80 lacs. Generally we deal with local customers. How can we deal with customers or investors from all over India? Would you please suggest?

Thanks for the excellent advice.

You are just too good sir. I found real guru. Love from Goa India.

Hello Sir Can you provide a small analysis for buying plot and tax benefit etc

Sir I've a question . After some years when rental increases what will happen to the loan interest rates ? Will the rental be more than interest rates ? Only if that happens ,it will be cash flow positive property and will excess rental will cover excess interest paid in initial years Please guide 🙏🏻

The clear explanation is, if you take a loan of 20 lakhs @8% for 20 years, after adjusting with the inflation, the ammount you pay will actually be reduced than the ammount you borrow. So, assuming the rental percentage is 3% right now, after 5 years it goes to 7% considering to the current valuation of land, (after 5 years, as the value of land goes high, the rental seems 3% only, but as we bougt at current valuation, the rental percentage for us will be 7%). After 10 years it will be 13% and so on. On an average, if we add all the percentages fluctuated and divide with these 20 loan repayment years, we will get the average rental interest rate which is highest probably more than 9% and go upto 14%. So, when we are taking a home loan at 8% interest rate and we are getting the rental return of 9%, then what's the problem of buying? You're literally getting the house for free. Yes, it involves risk and management. Your value of the property is increasing as well as the rental interest is increasing. After 20 years, you will see that you got the property for free. As soon as you start seeing that your property is adding money in your pocket instead of taking from your pocket, you can take another loan to buy an other property and continue the same. The best part I liked in this video is, if we take 50 lakhs of loan now @10% interest rate, and for the next 10 years we only paid interest, the capital remains same 50 lakhs. But, the beautiful part is, after adjusting to the inflation, assuming @6% which is 60%, which makes the capital real value is 20lakhs. Which means, after 10 years, the value of 20 lakhs right now will be equal to the value of 50 lakhs after 10 years. The beauty of loan is you will not be affected by inflation, you will get advantage by inflation.

Sirji, aapka intellect aapki video dekhne se pehle pata laga gaya aapki tittle dekh kar

Sir please make a video on retirement. How much fund is required now to retire considering inflation

Hi, very impressive and valuable suggestions , sir, I am retired person and have no pension , my only source is rental income and intt.on deposits. Now I have some extra money which I wish to invest, where should I invest as per your thinking? Thanks.

Thanks sir, Please make a video on topics like LIC policies. Why they are not good considering inflation and XIRR.

Purane guru ji ko Salam, old is gold

In today's scenario such insights are very relevant to be shared as all people from all age groups are suffering with data overload. "Bhai karen to kya karen ?" is trending all time high . Sadly today also the importance is given to fields other than economics. Such knowledge for masses is must. Thanks for the video sir. Regards

Hi Sir , Good to hear about real estate investing. I have one query as you mentioned that rent will go up by 10% every year which is genuine , but at the same time the Interest rates have also gone up from 6.85% to 9.1 % . Can you explain in that situation .

Aap jaisa koi nahi real estate k guru hai aap

I had read rich dad poor dad, I totally get what you’re saying. Next month I will buy new property.

Rent yield @ 3.0% + Avg annual increase of 7% means total average annual return of 10%. If effective loan rate is 5-6% (including benefit of tax savings of husband + wife), then one should buy property worth 50-60 lakhs.

Recession main 1 saal ke liye naukri chala gaya toh property bhi jayega aur jo down payment on bhi

Sir your way of explanation is very good

Sir ur words are tonic.....thanks again...

Thank you Sir. One important question about capital appreciation : what if I want to sell my apartment after 10 years, and I don't get a buyer ?

Informative, thank sir for this video.

very honest talking ... thanks for being too real

Very interesting information.....I could easily relate with your information as I m an Economics post graduate

Sir share some financial plan for salary people monthly earning 21000,

Bangalore Whitefield location overview

In Kerala Registration fee is 10% of the cost of property and there is Municipal /Corporation/Panchayat taxes also.Kerala govt. is also pondering to increase the property tax on yearly basis. Property Registration vendor also takes a big amount even though there is fixed fee. More than 12 lakh houses are vacant and which are owned by non- resident Indians who are working g I the Gukf countries. The higher rate of property in Kerala is due to NRE's and shortage of land and higher density of population. But due to exodus of youngsters to European countries and US might impact the property rate and after Covid days, the price have decreased.

You're so true.. I usually watch your video at 1.75 speed..