DDNEWS — Money Mantra
20260808 033000 UTC
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[00:00:00] giving new life to extinct tunes.
[00:00:04] Can a park also be enhanced by waste plastic?
[00:00:07] And which lake in Manipur
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[00:00:14] of space? Stories that
[00:00:17] Prime Minister Narendra Modi mentioned in the 136th episode
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[00:00:31] This time on Sebalert,
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[00:00:58] Namaskar, you are watching Money Mantra. With me
[00:01:00] is Mukul Sharma. Every week in Money Mantra, we bring you a special topic,
[00:01:04] and today's topic
[00:01:05] in this is that your house is very important for you to know. Most of us know
[00:01:09] and understand about home loans, but did you know what a home equity loan
[00:01:13] is and who can take it? Also,
[00:01:16] how much loan we can get
[00:01:20] under it and what benefits we can get
[00:01:24] from it, and what are the risks associated with it, and also
[00:01:27] if we talk about interest rates, EMIs, or other charges,
[00:01:31] we need to know all its aspects, and today in Money Mantra,
[00:01:35] we will give you that information.
[00:01:48] Yes, today we will talk specifically about home equity loans
[00:01:52] and home loans. We know about both, but there isn't
[00:01:56] much information about home equity loans, so first let
[00:02:00] us try to tell you what a home equity loan is. If
[00:02:03] we talk about home equity loans, you get a loan here
[00:02:07] on the equity of your house, that is, you can get
[00:02:10] a loan on the equity of its cost, that
[00:02:14] is, your house will be mortgaged, but you will remain the owner.
[00:02:18] Under an equity loan, if we talk about it,
[00:02:21] you can get a large amount,
[00:02:25] it becomes a safety net whether for any expense, to repay a debt, a large amount can be available to you
[00:02:29] here under a home equity loan, and as we are telling you,
[00:02:32] you can use it for many needs, whatever your big needs may be
[00:02:36] in life, you can use it there, and
[00:02:39] its repayment can be done in easy installments.
[00:02:43] So you know what a home equity loan is, but
[00:02:48] 15 years or sometimes even now the question arises that we all know about home loans, how can a home
[00:02:50] equity loan be different from it? What are the big differences between the two? Let
[00:02:54] us try to understand how a home equity
[00:02:58] loan and a home loan differ. See, as we told you,
[00:03:02] you get a home equity loan on the equity of your existing house, whereas
[00:03:05] if we talk about home loans, this home loan
[00:03:09] is given to you for buying a new house. You apply
[00:03:13] for it. Besides this, you can use a home equity loan for
[00:03:17] any need, whether it is a wedding in your house, children's education,
[00:03:21] or any other big expenses. But a home loan
[00:03:24] is only for buying a house, you have to apply
[00:03:28] for it, only then you get it. And here, especially,
[00:03:32] the biggest thing is that the interest rate in a home equity loan is fixed.
[00:03:36] That is, the interest rate told to you here will be fixed,
[00:03:40] whereas if we talk about home loans, we see that it is fixed or floating,
[00:03:44] whereas in home equity loans, it is mostly fixed.
[00:03:47] Besides this, another big difference is that the tenure of a home equity loan
[00:03:51] is relatively shorter, that is, because we are taking a loan on equity,
[00:03:55] the duration remains short, whereas if we talk about home loans,
[00:03:59] its tenure can be long. We see that
[00:04:01] for the second property, home loans are taken for 20-25 years. And also, when we talk
[00:04:04] about what kind of benefits we can get
[00:04:07] has created this, in which from it, the tax benefits in a home equity loan
[00:04:10] are limited because you are getting it on the same equity, whereas if we talk about home loans,
[00:04:14] we see that many tax
[00:04:17] If you need it for education, exemptions are available, that is, you get more benefits here.
[00:04:20] So these are some big differences that tell
[00:04:23] us which loan we should take according
[00:04:27] to our needs. And let us tell you in more detail
[00:04:30] how and when you can take which loan, that is,
[00:04:34] what kind of needs you have, and accordingly, these three big reasons
[00:04:38] often come up. The first is renovation. If you are renovating
[00:04:42] the house or want to do some other work, then in that condition, a home equity loan
[00:04:45] can be better. But if you are buying a new house, then a home loan
[00:04:49] will be better for you, it will be best. Whereas if you have
[00:04:53] a big debt to repay, a big financial burden, or any other big work,
[00:04:56] then you can take a home equity loan because it is easily available
[00:05:00] to you on the equity of your house. And there are many perceptions about home loans
[00:05:04] that there is a bit of complexity, whether banks, NBFCs
[00:05:08] should give it or not, but these are all things that are important for you to know.
[00:05:11] So this was about how you can get a loan
[00:05:15] here. Today we will discuss this and give you information.
[00:05:19] For this, two very special guests have joined us. Dakshita Das ji
[00:05:23] has joined us, she has been a former Secretary
[00:05:27] in the Ministry of Finance and former MD of National House Banking. Welcome, Dakshita ji,
[00:05:30] and Ejayshree ji has joined us, she is a real estate expert. Welcome to you too,
[00:05:34] Jayshree ji. First of all, Dakshita ji, I would like to understand
[00:05:38] from you that when we talk about how most
[00:05:42] people know about home loans, but if we talk about home equity,
[00:05:45] do you think that
[00:05:48] to apply for home loans, whereas they might also need
[00:05:52] a home equity loan, and because of that, they sometimes
[00:05:55] get into trouble? See, Mukul ji, both are different
[00:05:59] creatures. In one, you are building
[00:06:03] or taking or buying your house, and
[00:06:06] in the other, you are taking a loan for many things
[00:06:10] like education, marriage, extending
[00:06:13] the house. So see, both are, as
[00:06:17] I said, different creatures. When you go
[00:06:21] to take your loan, you should be mentally clear
[00:06:25] whether you are building a house or you have to marry your child
[00:06:28] or educate him. So in my opinion,
[00:06:31] your misunderstanding starts from there
[00:06:35] when you evaluate your need.
[00:06:38] So this is a very big difference. I also want to tell
[00:06:42] you one more thing that in India,
[00:06:45] we see that home equity loans are taken more in rural
[00:06:49] areas, and in urban areas,
[00:06:52] we see that home loans are taken
[00:06:56] more. It depends on the circumstances.
[00:07:00] Absolutely. So this is also a big difference
[00:07:04] that we can see, and especially Ejayshree ji,
[00:07:08] if we look at real estate, the scope of home loans
[00:07:11] seems to be continuously increasing. But at the same time, when
[00:07:15] we talk about renovation, everyone wants a continuous newness in the house,
[00:07:19] in flats, or there are other needs, so for that,
[00:07:22] we can assume that home equity loans
[00:07:24] should be preferred now.
[00:07:28] Sorry, can you repeat that question, please? Ejayshree ji,
[00:07:32] we would like to know from you if we talk about renovation
[00:07:36] or other expenses, can we consider a home equity loan
[00:07:39] as an easy option for that? Yes, if you want to renovate
[00:07:43] your house, you can take a home equity loan as much as
[00:07:47] you need. You can get 70 to
[00:07:50] 90% of your house's value,
[00:07:54] normally up to 90%, and you can get
[00:07:57] a loan for 5 to
[00:08:01] 20 years. But
[00:08:03] take as much as you need, and
[00:08:07] you can repay
[00:08:08] it in easy installments.
[00:08:12] Also, your fixed rate of interest
[00:08:16] is normally around 10%, and
[00:08:20] you don't get any tax incentive for that.
[00:08:24] Absolutely, but Ejayshree ji, if we look at both home loans
[00:08:27] and home equity loans, obviously, because we get home loans
[00:08:31] for a new house, and there is doubt about its approval,
[00:08:35] whether it will be approved or not. In such a situation, if we look
[00:08:39] at the difference between the two, how important do you consider
[00:08:42] it, because there is a need, if there is any financial burden,
[00:08:46] keeping our expenses in mind? Let me give you a small example,
[00:08:49] a live example. There was an NRI who was in Singapore
[00:08:52] and suddenly got cancer. He needed a very large amount
[00:08:56] and his house here
[00:09:00] was worth about 2.5 to
[00:09:03] 2.75 crores. Because it was a medical
[00:09:06] emergency, he was immediately given a loan.
[00:09:09] He was immediately able to repatriate it, and the entire loan
[00:09:13] amount came to him in a task. He got
[00:09:16] the money, and he could start the treatment. Similarly,
[00:09:20] if you need education, they don't look at
[00:09:24] what you need. Normally, they do it very quickly for medical emergencies.
[00:09:29] marriage, renovation,
[00:09:33] the bank assesses it, assesses your property
[00:09:36] value, whatever that assessment is,
[00:09:39] you get 70 to 80% of it.
[00:09:43] If you talk about a home loan, you take it when
[00:09:47] you have to buy a house. You have
[00:09:50] chosen a house or are about to choose one.
[00:09:54] You show your payment capacity,
[00:09:57] then you get it. And that is a slightly longer process.
[00:10:01] This is very easy and very, if
[00:10:04] the managers are conducive to it,
[00:10:08] if they feel that your payment capacity, repayment capacity
[00:10:12] is there, then you get a home equity loan very quickly.
[00:10:16] Absolutely, and especially Dakshita ji, as you said that when
[00:10:20] we talk about a house loan and when we call a home
[00:10:24] equity loan a property loan, by which name people know
[00:10:27] it more, if we look at it, is it true
[00:10:31] that there is more uncertainty in home loans, or as
[00:10:35] Ejayshree ji just told us that it takes more time,
[00:10:38] and it is possible that your need is being fulfilled by a property loan,
[00:10:42] but you apply for a home loan, and because of
[00:10:46] that, its approval does not happen? Yes, absolutely,
[00:10:49] this can definitely happen, because see,
[00:10:53] when you are buying a house, the documents are different,
[00:10:57] and when you are taking a home equity loan, which we consider as a LAB,
[00:11:00] Loan Against Property, in that, you already
[00:11:04] have a property, you just have to submit your documents.
[00:11:07] It depends on your need, as Madam said that
[00:11:11] a medical emergency came up or something, but
[00:11:14] see, you have many options available
[00:11:18] in this country nowadays. If you want to go for
[00:11:22] consumption expenditure, marriage,
[00:11:25] this kind of thing, you can also take a personal loan. What happens
[00:11:30] gets mortgaged, and it depends on you how much
[00:11:34] capacity you have to repay it. For example,
[00:11:37] if someone in your house died, you had taken
[00:11:41] a loan for their treatment, they were the breadwinner,
[00:11:44] a professional, then there was no income,
[00:11:47] so your house will be in trouble. If I want to know
[00:11:51] the benefits of a home equity loan from you, what kind of benefits
[00:11:55] do you see in it? It is easily available
[00:11:59] because you already have an asset, you have a house.
[00:12:03] Whether you go to a bank or a housing finance company,
[00:12:06] they are ready because
[00:12:10] they are getting an asset there,
[00:12:13] they are mortgaging your house with them.
[00:12:17] So the benefits are that
[00:12:21] it is easier, but see,
[00:12:25] you have to look at yourself, and one very important
[00:12:29] thing, Mukul ji, is that your credit score will matter a lot.
[00:12:32] Yes, what is your capacity
[00:12:35] to repay the loan? Exactly, what kind
[00:12:39] of credit score you have, and if it is above 700-750,
[00:12:42] then we can assume it becomes easier. But Ejayshree
[00:12:46] ji, we were understanding the benefits earlier. If we talk about the risk
[00:12:50] factor, what risks do you see
[00:12:54] when we talk about home equity loans? See, actually, this risk
[00:12:57] is in both, but this is your own house.
[00:13:01] As she said, you are mortgaging
[00:13:04] it with the bank. If, for example,
[00:13:07] today I have a good salary, I can repay
[00:13:11] it easily, and I said that I will take it.
[00:13:15] But if after three months,
[00:13:18] I lose my job, and a pink slip is a reality today,
[00:13:22] you should keep in mind that you should have
[00:13:25] at least 6 months' worth of repayment amount
[00:13:29] in the bank, so that if any uncertain
[00:13:32] circumstance arises, death,
[00:13:35] health problems, then you can repay
[00:13:38] it without a break. This is very important
[00:13:42] because nowadays youngsters take a lot of loans,
[00:13:45] and when they lose their job, suddenly 3500
[00:13:48] people lose their jobs, then
[00:13:52] how will you repay it?
[00:13:55] The loan should not be a burden on you, we need to understand
[00:13:59] this here. But especially Dakshita ji, if we look
[00:14:02] at it, there are benefits, there are risks, but here
[00:14:06] if we see that if there is also a risk,
[00:14:10] but if a person who needs
[00:14:13] to buy a property as an investment, they have one property,
[00:14:16] and we want to take another property, then in this situation, what
[00:14:20] would be better for us to do? No, you should definitely take a home loan
[00:14:26] to buy it, to build it, according to your needs.
[00:14:30] One to two properties are up to you. If you have
[00:14:33] the capacity, you are getting a good house, then you should
[00:14:37] definitely do it. But take a loan,
[00:14:41] a home equity loan, only when you need
[00:14:43] it, because sir, you will have to repay
[00:14:47] it.
[00:14:49] Yes, someone else will take it, some institution will take
[00:14:53] it. Yes, absolutely. And
[00:14:57] we saw recently in a survey that women who have taken
[00:15:00] loans are repaying them on time, meaning trust has increased
[00:15:04] in women consumers. But as Ejayshree ji was
[00:15:08] just saying that youngsters have a tendency
[00:15:12] to take everything on loan. Dakshita ji, should we also
[00:15:15] avoid such a condition and focus
[00:15:19] on what your actual need is?
[00:15:22] What kind of house will youngsters take a loan
[00:15:26] for? They will take it on their parents' house, right? Or something
[00:15:29] else? On property. Youngsters are restless
[00:15:33] and they are seeing, they are attracted, they are getting messages every day,
[00:15:37] take a loan, take a loan, so they say, let's take it. See,
[00:15:41] the thing is, what is the capacity of a youngster
[00:15:45] to take a loan? What extent of loan do they need? They can
[00:15:48] also get a personal loan. What will be their demand, to buy a mobile phone,
[00:15:52] to do this, to do that, but what will they mortgage?
[00:15:55] They will mortgage their ancestral land, their father's,
[00:15:59] mother's land. As for women, statistics also show
[00:16:02] that women are very cautious in matters of loans
[00:16:06] and debt. Because they understand how difficult
[00:16:09] it is to get money from home to build your property
[00:16:13] and assets. So there is no cure for the restlessness
[00:16:17] of youngsters, but the thing is that
[00:16:20] they will have to get the documents from somewhere else in the house.
[00:16:24] Yes, and we should not rush
[00:16:28] when we are going to take a loan. First, our objective
[00:16:31] should be absolutely clear. But if we have this situation
[00:16:34] that a youngster or a small family wants
[00:16:38] to have more needs on their property, is it possible that the property
[00:16:42] is in someone else's name, that is, in the name of someone else in the family,
[00:16:46] and if they want, can they also apply for a loan based on that?
[00:16:49] No, it is given in your name,
[00:16:53] in whose name the property is,
[00:16:56] the home equity loan is given in their name. Suppose
[00:17:00] it is in your father's name, you can become a joint owner and then
[00:17:04] take it, otherwise you cannot take it. But I want to tell
[00:17:07] you one more small thing. If you are elderly, after
[00:17:11] the age of 60, if you need a loan, you have
[00:17:15] an asset which is quite valuable,
[00:17:18] but you don't have money for daily life, there is
[00:17:22] another home equity loan, which is called a reverse mortgage.
[00:17:25] Yes, the property is in my name. My
[00:17:29] husband and I, or my husband and
[00:17:32] spouse, till the end of your life, you don't
[00:17:35] need to repay anything.
[00:17:38] This is done because elderly people don't have money,
[00:17:41] they don't have income, but based
[00:17:45] on the equity of that home, you can get a lump
[00:17:48] sum or monthly payments up to the age
[00:17:51] of, I think, 80. So
[00:17:55] no one can remove you from that house.
[00:17:58] When both of you pass away,
[00:18:02] then it reverts to the bank. This
[00:18:06] is a home equity loan. It needs to be tweaked a bit
[00:18:09] more in India, but if you are elderly and you
[00:18:13] don't have money to live, then your house
[00:18:16] can be a form of income for you. This, I
[00:18:20] think, is the most important
[00:18:22] part of a home equity loan. A positive
[00:18:26] aspect is how it can also become a source
[00:18:30] of income for us, but for this, it is necessary that you know all the rules,
[00:18:33] understand them well, and especially for home loans, we recently
[00:18:37] saw that the RBI had also issued new guidelines,
[00:18:41] under which a time limit has been set.
[00:18:45] The banks or loan companies can call the customer
[00:18:48] and take information or give information only within that time.
[00:18:52] But if information is sought beyond that time
[00:18:56] or the customer is harassed, then different provisions have been made.
[00:19:00] We will talk more about this, but for now it's time for a short break.
[00:19:03] What?
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[00:19:55] Respect for the motherland in everyone's mind.
[00:19:58] For more information, visit our website or contact us.
[00:20:02] Your contribution to the motherland will make the country
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[00:20:09] My choice, my
[00:20:11] choice,
[00:20:13] my choice, my
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[00:20:21] everyone's choice, strong country's strong rebar,
[00:20:25] HOGAYA Steel.
[00:20:29] Welcome back after the break. You are watching Money Mantra, where
[00:20:33] we are giving you information. You have understood the difference between home loans and home equity loans.
[00:20:37] When what kind of need arises, which loan
[00:20:40] will work for you? Two special guests, Dakshita Das ji
[00:20:44] and Ejayshree ji, are continuously with us. Before going to the break, Dakshita
[00:20:48] ji, we talked about all aspects, but is it necessary
[00:20:52] that we always have an emergency fund
[00:20:55] when we talk about loans? Whether we talk about four or five months or
[00:20:58] for a longer time, it is better that along with loans, we should
[00:21:02] also consider an emergency fund. Absolutely, when you plan
[00:21:05] your household finances, and the
[00:21:09] trouble is that this discussion happens very little in India.
[00:21:12] An emergency fund should always be
[00:21:16] with you. Our mothers used to keep it, I remember
[00:21:20] my mother had a green pot in which she always kept money
[00:21:23] that if an emergency came, those days are gone,
[00:21:26] but we should discuss
[00:21:29] it in our homes so that we don't have
[00:21:33] to mortgage our property. See,
[00:21:36] mortgaging property is a debt.
[00:21:39] Building a house and mortgaging property are two different
[00:21:42] things. So that's why, Mukul ji, I completely
[00:21:46] agree with you that it is absolutely
[00:21:50] essential for us to have an emergency fund at home.
[00:21:54] Yes, an emergency fund is necessary for us because
[00:21:58] it is also necessary for taking a loan. And in this situation,
[00:22:01] Ejayshree ji, we would like to ask you that when we talk
[00:22:05] about a new house or a flat, and the trend in real estate
[00:22:09] has increased, we all know that, but in such a situation,
[00:22:12] is it possible that most customers, as we see,
[00:22:16] purchasing increases through home loans? But during this, what things
[00:22:21] should they keep in mind so that they are careful? See, your
[00:22:25] home loan EMI should not be
[00:22:28] more than 40% of your salary. 30 is the ideal.
[00:22:32] If you are paying more than 40% of your home loan,
[00:22:34] then your economy,
[00:22:37] your economic management is under stress.
[00:22:41] You cannot, you need money for food,
[00:22:45] travel, education, everything. So when you take a loan,
[00:22:48] you should see how much you can pay.
[00:22:52] Even if you take a home equity loan,
[00:22:55] I always say, as Dakshita ji said,
[00:22:59] that it is mortgaged. You are mortgaging
[00:23:03] the house. So take out 10%
[00:23:06] of what you get and put it in SIP, somewhere where
[00:23:10] you can withdraw if you need it. But
[00:23:15] for you. You can spend the rest,
[00:23:18] but remember that you are mortgaging
[00:23:22] your house, and this is your most valuable asset.
[00:23:26] And when you are buying a house, you are building
[00:23:30] an asset, so after your monthly expenses,
[00:23:33] see how much EMI you
[00:23:36] can pay. Don't do that my neighbor
[00:23:40] bought a very expensive house, I will also buy an expensive
[00:23:44] house. What happens is that your finances
[00:23:47] get so stressed that at some point an emergency can arise.
[00:23:51] But we often see that renovation and betterment
[00:23:55] are continuously seen just by looking at each other, but the need
[00:23:58] is that our focus and objective should be absolutely
[00:24:02] clear, only then will we be able to repay both home equity
[00:24:05] loans and home loans on time. Currently, Dakshita ji,
[00:24:09] both of you shared such important information with our viewers. Thank
[00:24:13] you very much to both of you.
[00:24:16] So you know how when we talk about
[00:24:20] a home loan and a home loan, there are many such things
[00:24:23] about which our special experts told us. And
[00:24:27] if we summarize it, what are those five
[00:24:31] big things that we should keep in mind? Let us tell you those five big
[00:24:34] things that you need to keep in mind. You can also consider
[00:24:38] them as five rules. What are those rules? See, the first rule
[00:24:42] is that you should take a loan according to your need,
[00:24:46] that is, keep the need and requirement in mind. Second, keep the EMI
[00:24:50] according to your income. If your EMI is 20 to 30% of your income,
[00:24:53] it will be better. Along with that, if we talk about interest rates,
[00:24:57] compare them, where it is more, where it is less, and where
[00:25:01] you feel better, you can apply for a loan from there. Besides this, there are many hidden
[00:25:05] charges, understand all those charges, what charges we will have to pay
[00:25:09] and when, get all the information, and it would be best if you definitely
[00:25:12] consult experts. If we talk about banks, there are experts there too,
[00:25:16] so you can also take advice from them. But during this,
[00:25:20] Even the customers and consumers make mistakes, we have to avoid those mistakes.
[00:25:24] What are those big mistakes? Let us tell you. The first big mistake,
[00:25:27] if we talk about it, is taking too much loan. That is, we needed
[00:25:31] perhaps 10 lakhs, but we took 15 or 20 lakhs. In such a
[00:25:35] situation, that burden keeps increasing on us continuously. We have to
[00:25:38] avoid it here. Along with that, the second big mistake that happens
[00:25:42] is the wrong assessment of EMI capacity. We feel that
[00:25:45] perhaps, if we look at it, we can pay
[00:25:48] 30-40,000 EMI monthly, but for any
[00:25:52] reason, if we are unable to pay, then that will be a wrong assessment for us and a big mistake
[00:25:56] can happen. And especially, often we see that we feel that when we compare
[00:26:00] interest, where the interest is low, we feel that might be right,
[00:26:03] but this is not always right. So, never make a decision just by looking
[00:26:07] at low interest, don't think that we only have to take a loan from there. And also, often we
[00:26:11] see that because there are many rules and conditions that are constantly
[00:26:15] there and often we just keep turning
[00:26:18] the pages, keep signing, so this is absolutely wrong.
[00:26:21] Read all the information, the terms and conditions, understand
[00:26:25] them, ask an expert, and only after that sign,
[00:26:29] and also if you are taking any loan, whether it is a home equity loan, home
[00:26:32] loan, do not delay in its payment. If you delay,
[00:26:36] the loan can turn into a load. So you
[00:26:40] have to take care of this, that if you are going to take a loan,
[00:26:43] whether we talk about home loan or home equity loan, pay it on
[00:26:47] time so that your credit score also remains better and
[00:26:51] your needs can also be fulfilled
[00:26:55] all in today's Money Mantra. Please allow me.
[00:26:57] Namaskar.
[00:27:16] In Cyber Alert, this time we will talk about why the Meta chief
[00:27:20] said sorry to the government and also, if you have been a victim
[00:27:24] of cyber fraud, how you can get your money
[00:27:27] back. If your account has been frozen, what is the
[00:27:31] solution for you? The Money Restoration Portal has been created. Victims can come
[00:27:34] and apply on this. Court orders will not be needed. It can be returned without
[00:27:38] an FIR. The things that used to remain pending for months, now they have to be completed
[00:27:42] within the prescribed timeline. During police action, it is possible
[00:27:46] that some accounts may be frozen. Grievance redressal modulation for
[00:27:49] them. So watch Cyber Alert on Saturday night at 10 PM, only on DD News.
[00:27:53] पर,
[00:27:56] In this week's Defense Dynamics, in today's era, where military
[00:27:59] power is determined by technology, innovation and industrial
[00:28:03] capacity, know how Kaveri
[00:28:06] 2.0 can bring India closer to self-reliance in aero
[00:28:09] engines. Why is the Indian
[00:28:12] Navy's goal of creating a 200 warship force very important
[00:28:16] amid China's growing maritime presence, and how a 1500
[00:28:20] kilometer long-range anti-ship
[00:28:23] hypersonic design can strengthen India's maritime reach in the Indo-Pacific
[00:28:27] region. Watch the complete
[00:28:30] analysis this Saturday evening.