Spartan Posted October 10, 2014 Report Posted October 10, 2014 monna India lo Home loan pay off cheddam ani thread vesa kada..daniki related... i have two options now.. Payoff Amount: 14lacs undi... Loan term: inko 13 yrs...kaani over the 13 yrs nen kadite..i would end up paying 30lacs something..EMI 17000/permonth so ippudu oka 17 lacs india lo FD cheyiste...9% interest vastadi..whcih will be around some 14000/pm a interest amount and inko 3000 jeb lo nunchi kadite...13 yrs tarvata i will have my 17lacs with me..and illu kuda interest rate lo cover aipotadi... idi option 1... ============================================================= option2: naku issue ekkada kodtundi ante...a 17lacs FD ante..13yrs varaku inka dani joliki povaddu.. repodduna naaku bulk amount lo investment avasramundi..avi teyalenu... and malli loan pay off cheseddam, a dubbul struck ayyayi ani teyadaniki pote...even after next 5yrs..na pay off amount 10lacs plus untadi..and i would have paid up some 10lacs of interest...also...appudu nenu payoff cheyalanukunna..i will be at loss... ilanti situation riuse ayye chance unda...? i feel jarige chances ekkuva... na place lo meerunte em step teskune vallu...
arshad Posted October 10, 2014 Report Posted October 10, 2014 Home Loan nunchi entha tvaraga chethulu kadigesukunte antha manchidi. Idi naa opinion. Situation,Manishi preference batti maarochu.
tom bhayya Posted October 10, 2014 Report Posted October 10, 2014 payoff this amount first, future lo investment cheyadaaniki dabbulu kaavali antey malla house meedha inko loan theesuko
Hitman Posted October 10, 2014 Report Posted October 10, 2014 sitti.. loan rate .. ippudu 11% + nadustundi anukunta kada..50% pay chesi, oka 50% cash unchuko.. for any future investments..
k2s Posted October 10, 2014 Report Posted October 10, 2014 monna India lo Home loan pay off cheddam ani thread vesa kada..daniki related... i have two options now.. Payoff Amount: 14lacs undi... Loan term: inko 13 yrs...kaani over the 13 yrs nen kadite..i would end up paying 30lacs something..EMI 17000/permonth so ippudu oka 17 lacs india lo FD cheyiste...9% interest vastadi..whcih will be around some 14000/pm a interest amount and inko 3000 jeb lo nunchi kadite...13 yrs tarvata i will have my 17lacs with me..and illu kuda interest rate lo cover aipotadi... idi option 1... ============================================================= option2: naku issue ekkada kodtundi ante...a 17lacs FD ante..13yrs varaku inka dani joliki povaddu.. repodduna naaku bulk amount lo investment avasramundi..avi teyalenu... and malli loan pay off cheseddam, a dubbul struck ayyayi ani teyadaniki pote...even after next 5yrs..na pay off amount 10lacs plus untadi..and i would have paid up some 10lacs of interest...also...appudu nenu payoff cheyalanukunna..i will be at loss... ilanti situation riuse ayye chance unda...? i feel jarige chances ekkuva... na place lo meerunte em step teskune vallu... are u pedda ? house loan APR % is around 12%, FD ki 9%, banks ni bank employees ni poshistha antey go for 1st option.
dkchinnari Posted October 10, 2014 Report Posted October 10, 2014 14 lacs ki 30 kadtama..adi enti... entha rate..
Spartan Posted October 10, 2014 Author Report Posted October 10, 2014 14 lacs ki 30 kadtama..adi enti... entha rate.. 10.5% 15year term....
dkchinnari Posted October 10, 2014 Report Posted October 10, 2014 payoff this amount first, future lo investment cheyadaaniki dabbulu kaavali antey malla house meedha inko loan theesuko awesome nu
Spartan Posted October 10, 2014 Author Report Posted October 10, 2014 are u pedda ? house loan APR % is around 12%, FD ki 9%, ?
Spartan Posted October 10, 2014 Author Report Posted October 10, 2014 payoff this amount first, future lo investment cheyadaaniki dabbulu kaavali antey malla house meedha inko loan theesuko nenu intlo ade cheptunna uncle.. kaani intlo reverse ga..free ga aipoye daniki ne 14lacs enduku spend chestunnav antunnar..
Spartan Posted October 10, 2014 Author Report Posted October 10, 2014 sitti.. loan rate .. ippudu 11% + nadustundi anukunta kada..50% pay chesi, oka 50% cash unchuko.. for any future investments.. 50-50 vaddu bhayya..mottam kadigeskovatame best anukuntunna nenu... kaani intlo andar against..
Spartan Posted October 10, 2014 Author Report Posted October 10, 2014 Pay Off is better... nen kuda ade anukuntunna..
Spartan Posted October 10, 2014 Author Report Posted October 10, 2014 Home Loan nunchi entha tvaraga chethulu kadigesukunte antha manchidi. Idi naa opinion. Situation,Manishi preference batti maarochu. agreed...
k2s Posted October 10, 2014 Report Posted October 10, 2014 ? alex unkul cheppinattu fallow ayipoo 17 lacs worth now vs 13 yrs later same untunda ?
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