Friday, September 16, 2016


Home Loan @ 0% Interest

Dear friends,

You all must be paying home loan EMI for your dream home....
Have Ever thought of a way to get all the principal and interest back when u finishes ur EMI....
No na...
Is it possible.
Lets find out...

Invest 10% extra of your Home Loan's EMI in mutual fund Equity SIP and all your home loan principal and interest will recovered with profit in 20 years.

Example: For Home Loan of 20 Lac for 20 Years with ROI 9.5%( assumed)
EMI will be Rs. 18863/- ( image attached below for ref)

In 20 Years one will pay total towards Home loan will be
Rs. 44,74,320=00

Principal: 20,00,000=00 &
Interest:   24,74,320=00
Total -       44,74,320=00
Image attached....

Saving of just 2200/- per month in  addition to ur EMI for 20 Years with a return of 18% CAGR
u will get. 51,55,672/-

( SIP in Diversified MF has given avg return 20% plus in Last 20 years from 1995 to 2015)

Sip of 2200*240= 5,28,000

Principal: 20,00,000=00
Interest:   24,74,320=00 &
SIP amt:  05,28,000=00
Total -      50,02,320=00

Thus you get back all your principal and interest earn a cool profit too!!!
Kool na🍻
So start ur SIP now...

🎯 Start your SIP now and enjoy interest free home loan.

FOR THEM, I calculated at 15% CAGR....

So here goes...
 If you avail Home loan of 10 lacs for 20 years with an interest rate 9.5% your.....

Monthly EMI: Rs. 9,321.31/-
Principal Amt : Rs. 10,00,000/-
Interest Payable : Rs. 12,37,144/-
Total Amt Payable: Rs.22,37,115/-

💢 Now to get back your interest you just have to keep aside 0.20% of your home loan amount.
ie 0.10% of 10,00,000/- is 2,000/- per month till the tenure of your home loan.

Start an SIP Till the tenure of your home loan with the amount you are keeping aside. (ie Rs. 2,000/-)

💢what will be value of Rs. 2,000 pm @15% if invested through SIP❔

After 20 years➡

 Principal Amt: Rs. 4,80,000/-
Value@ 15%: Rs. 26,54,147/-

In Home Loan you pay an Interest + Principal of Rs. 22,37,144/- in 20 years.

While in Mutual fund SIP you generate a wealth of Rs. 26,54,147/- which is more than the Interest amount you are paying in next 20 years.

🎯 Start your SIP now and enjoy interest free home loan.

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