Loan Prepayment or Investment in Mutual Funds and Stock Market? Which is a better option? Loan repayment of Home Loan, Car Loan, Personal Loan, Credit Card has big merits. But in certain conditions, investment in mutual funds or stock may make sense.
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Many of us have taken a loan to meet our financial needs from time to time. We may have taken up a home loan for buying a house, a car loan to buy a car, an education loan for our studies or a personal loan for any personal requirements. However, if the loan repayment and tenure pose to be an issue, it is better to look up the loan prepayment options available to reduce the repayment amount, the EMI amount and the tenure. On the other hand, it may also seem lucrative to invest the same money into mutual funds and stocks, when there seems to be an opportunity to gain in the markets. But which of these is a better option?
हम में से कई लोगों ने समय-समय पर अपनी आर्थिक ज़रूरतों को पूरा करने के लिए loan लिया है। हम ने घर खरीदने के लिए होम लोन, कार खरीदने के लिए कार लोन, पढ़ाई के लिए एजुकेशन लोन या किसी व्यक्तिगत जरूरत के लिए पर्सनल लोन लिया हो सकता है. हालांकि, अगर loan चुकौती और कार्यकाल एक परेशानी का मुद्दा बनता है, तो loan राशि, EMI राशि और कार्यकाल को कम करने के लिए उपलब्ध loan का पूर्व भुगतान विकल्प बेहतर रह सकता है. परन्तु, दूसरी ओर जब बाज़ार में निवेश फ़ायदेमंद हो तो mutual fund और share market में उसी पैसे का निवेश करना भी आकर्षक लग सकता है. लेकिन इनमें पैसा लगाने से पहले इन में से कौन बेहतर विकल्प है इसका पता लगाना ज़्यादा आवश्यक है.
In this video we have explained;
1. What is loan prepayment?
2. How to prepay loan and reduce EMI or loan tenure?
3. Is loan prepayment a better option than investment?
4. Loan prepayment vs Investment, what is better?
5. What is a loan prepayment calculator?
6. How to repay a loan?
7. What are loan repayment benefits?
8. Benefits of investment vs loan repayment?
9. Which loan is better to repay first, Home Loan vs Car Loan vs Education Loan vs Personal Loan vs Credit Card?
10. What is Home Loan eligibility?
11. Is it better to repay a loan or to invest in mutual funds?
12. Is it better to repay a loan or to invest in the share market?
13. Which loan has better interest rates, Home Loan vs Car Loan vs Education Loan vs Personal Loan vs Credit Card?
Having cash inflows and a lumpsum amount in our hands poses a question of whether loan repayment of Home Loan, Car Loan, Personal Loan, Credit Card is better or the investment in mutual funds or stock would make more sense. In this video, we will analyse if it is better to use lump sum cash for loan repayment or as an investment? We would also try to understand which loans should we repay first and which type of investment could be more lucrative than pre-paying your loans. Let us discuss.
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