Home Loan को ऐसे बनाएं आसान | Home Loan Reality Explained | Loan Tips India | PSF

घर खरीदने का सपना अक्सर Home Loan से शुरू होता है. लेकिन क्या EMI सच में आपको Financially Disciplined बनाती है या धीरे-धीरे एक pressure बन जाती है? ‘Property Se Fayda’ के इस एपिसोड में हम बात कर रहे हैं Home Loan की reality पर, जहां focus है smart borrowing और financial awareness पर. Neha Batham ने बात की है Home Loan Expert CA Prabhat Agrawal से, जो ex-banker रह चुके हैं. इस बातचीत में आप जानेंगे: Income के हिसाब से कितनी EMI safe है Interest में आप कितना पैसा extra देते हैं Floating vs Fixed rate hidden charges और loan traps Prepayment कब सही है और कब नहीं Low CIBIL score होने पर क्या करें अगर आप home loan लेने की सोच रहे हैं, तो ये episode आपके लिए जरूरी है। प्रोड्यूसर: पारुल चंद्रा साउंड मिक्सिंग: अमन पाल Buying a home often starts with a home loan. But does EMI actually help you build discipline or slowly turn into a financial burden? In this episode of Property Se Fayda, we break down the reality of home loans, focusing on smart borrowing and financial awareness. Neha Batham speaks with loan expert Prabhat Agrawal, a CA and former banker. In this conversation, you’ll learn: How much EMI is safe based on your income How much extra you pay in interest over time Fixed vs floating interest rates Hidden charges and common loan traps When prepayment makes sense What to do if your CIBIL score is low If you’re planning to take a home loan, this episode is a must-watch. Producer: Parul Chandra Sound Mixing: Aman Pal #homeloan #propertysefayda #emi #loantips #realestateindia #homebuying #cibilscore #personalfinance Chapters: 00:00 Sneak Peek 01:34 Intro 02:25 Home loan a right decision or compulsion? 03:41 Home loan planning 05:59 EMI makes you deciplined 06:48 Home loand Interest 07:52 Repaying Loan 08:47 Floating vs Fixed interest Rate 10:26 Importance of CIBIL 13:10 Hidden charges of home loan 14:28 Insurance on Loan 17:17 How bank gives Loan 19:22 Prepayment of loan 21:14 Government Policies 22:56 Loan to builders 27:19 Changes in Loan Procedure 29:05 Smart Loan Planning 29:51 Viewer's Questions 32:29 Expert Tips 35:14 End note Click Here For Latest Podcasts► https://aajtak.intoday.in/podcast.html #Podcast #HindiPodcast #AajtakRadio Like Us On Facebook ► https:  / aajtakradio   Follow Us on Twitter ►https:  / aajtakradio   Instagram ►  / aajtakradio   Telegram ► https://t.me/aajtakradio