one more thing. During bankruptcy proceedings, no creditor can touch your PF account.
@Omega-dj9sh
Жыл бұрын
creditor? even the courts don't have the power to touch pfs
@prasadmankar7650
9 ай бұрын
@@Omega-dj9sheven prime minister😂
@akashde9594
7 ай бұрын
@@prasadmankar7650prime minister is not above court
@samadhanjadhav4225
7 ай бұрын
even president
@kishoredecodestelugu2022
3 ай бұрын
Even mia khalifa
@soumyadip2391
Жыл бұрын
Michael - I declare bankruptcy! Oscar- you declaring bankruptcy not gonna change anything!
@sumit-lz4yt
Жыл бұрын
Oscar-Saying you are going bankrupt doesn't change anything. Micahel - i didn't said it, I declared it.😂
@keerthichandra376
Жыл бұрын
"You can't just say the word bankruptcy and expect anything to happen" "I didn't say it, I declared it" "Still.. it is not... Anything" 😂😂😂
@azorian888
11 ай бұрын
this guy is getting info from the movies and the internet his too dumb to get it ! priceless
@v3n0me7
9 ай бұрын
Haha that's exactly what happens in the office 😅😅 /s
@Shivam_7727
Жыл бұрын
Employee - I follow my real boss 'finance with sharan' Boss - you are fired🗿
@dragoonxgamer
Жыл бұрын
fr
@coldybgfan6339
8 ай бұрын
Yeah@@dragoonxgamer
@infinixknight
4 ай бұрын
Literally what I thought 😂😂
@mushirsk1035
Жыл бұрын
Areey haan bhai haan “thats what she said”😂
@007_Sun_Tzu
Жыл бұрын
And during retirement you can keep following your man and sleep on footpath 😂😂
@wisdomofthoughts2946
Жыл бұрын
😂😂😂
@kunalshah2331
Жыл бұрын
The person who promotes staying on rent rather than buying own house can think only this much
@ajaysurve_21
Жыл бұрын
Then u should know how to prioritise how, when and how much to spend with ur bandwidth
@kunalshah2331
Жыл бұрын
@@ajaysurve_21 exactly that doesn't mean that u dont take ur own house. I remember people during covid have morgatage thier houses to fullfill medical expenses.if one would have stayed on rent then ?
@nitinshinde8025
Жыл бұрын
@@kunalshah2331 dude then take loan on your company/bussiness in early 20s we should invest on building a bussiness rather than buying a house
@_d3v_singh
Жыл бұрын
"That's what she said" 🤣
@mohamedyousufrahman4954
3 ай бұрын
What's that I don't know
@sarangg18
Жыл бұрын
His "I declare bankruptcy' was like Mahendra Baahubaliiiiii!!!!😂😂
@anv.33
Жыл бұрын
No it was Michael Scott from The Office
@cluelessnoob0749
Жыл бұрын
Nah it was michel Scott from the office US
@fiehdhreinrekbffjhbfhevjvj6933
Жыл бұрын
No bruh it was Michael Scott from the office
@ramd6652
Жыл бұрын
Sharan scott from Funder Mifflin 😅😂😂😂
@chinmayeesenapati5538
Жыл бұрын
Sharan's family pic is as epic as his financial advice❤😂
@mughilannadar6190
Жыл бұрын
Employee : I follow my real boss Sharan: Ghaddari Korbe 💀
@aakashkoneru2001
Жыл бұрын
😂😂you should have put #theoffice also, loved the office references 😂😂
@Gokullokesh
Жыл бұрын
Instead of paying for a Home loan, we pay a car loan and personal loan Because a PL costs you 16 to 21 percent interest and CL 9 to 11 percent interest per annum were as a home loan cost 7 to 9 percent. 😊
@Motivational-lf8zq
Жыл бұрын
prioritize more "dear" assets that you can pay off, let the bank take back their car and decrease your credit score for defaulting on personal loan, but dont let them take away your home, if it comes to worst sell your home at your own terms before the bank puts it up for auction. because what they do, say your home worth 80 lks, loan amount is 80% is 64 lks, you have paid off 20 lks in principle and left with 54 lks ... banks will auction such that (they tip off some relative) who gonna buy it for dirt cheap either 54lks or even less, bank prioritizes recouping the loan amount first, if there is still balance they might write it off, but you wont get anything. better yourself sell it for a loss of even 70lks you will have some little money at least for yourself
@Gokullokesh
Жыл бұрын
I think in the finance point of view but your think in the emotion and bond of home. I agree your point and I like it
@Motivational-lf8zq
Жыл бұрын
@@Gokullokesh yes emotion and bond of home maybe true too, but home loan has a higher value collateral that you must protect, while car is a depreciating asset, Home is not a depreciating asset, rather it can even earn you income (lets say you lease a part of the home or even fully, eg rent for 20k and use 10k to yourself stay in a lower value rent home - or rent first floor of your home and you shift your family members to ground floor even if its congested little) - which is why home becomes an important asset to protect first esp when it comes to the worse of worse you dont let go of home easily because if one lets go of home easily and lets say he/she lost job cant pay rent, then they will come down to the streets. unlike car, home is a living essential, you can use bus service if you dont have car easy to deal with, but imagine no home, no money to pay rent, and full family members to take care of, the person would have to count on a relative who can help him if there is absolutely no other property to survive, basically looking at the streets!... and the personal loan nobody can force you to pay it if you can prove that its not a willful default. Its just a civil case, but only becomes criminal if we do a willful default. One can also ask for personal loan restructure if he/she think thats possible
@kishine72tg56
11 ай бұрын
PF does not pay for Car Loan and other Loans, but only for Home Loan😊
@V-Phoen1x
10 ай бұрын
@@Motivational-lf8zqthey are not assets since all of them are not used to make money out of it
@shubhammanchekar972
Жыл бұрын
This is quite basic economics 🎉
@jafferahamed1945
Жыл бұрын
It is important to repay the loan with the highest interest rate. Housing loan has lowest interest compared to all other loans
@kunalshah2331
Жыл бұрын
No of years is more. Calculate what u are paying on 3L PL for 3 yrs vs 3L on HL for 20yrs.
@sivag2032
10 ай бұрын
Main difference is PF only supports home loan.Not others
@manalinagaonkar8024
Жыл бұрын
The management is the real key in this
@arpitkumar6010
Жыл бұрын
I want to meet those people who have 10 lakhs in PF acc and a combined EMI of 50k for home / car and finance.
@Motivational-lf8zq
Жыл бұрын
I have 6 lks in ppf, and home loan emi 34k no other loans
@vimalpritham8340
7 ай бұрын
@OorsuttriTNdid you withdraw your PF and repaid the loan?
@shaherhassan43
Жыл бұрын
No matter what topic you are talking about, you are a principle
@rojashmahakul9322
Жыл бұрын
His family photo😂😂😂
@abhinavkrishnan4338
Жыл бұрын
Assistant to the manager 😂😂
@RAM_JAN22
Жыл бұрын
But i suggest to pay Car and personal loan firsy if possible to pay it from PF Because Car and personal have more interest rate.. And you will not able save taxes
@flyer480
Жыл бұрын
Same man said to pay off personal loan first as it has higher interest rates than home loan. You See why i don't trust internet
@nitinsingh9487
Жыл бұрын
The office 😂😂
@TheRealZegend
Жыл бұрын
That "that's what she said" was mad funny 💀 You can see him breaking character in that line 😂
@gowthammedithi751
11 ай бұрын
Employee:- I follow my real boss, Finance with sharan! Boss:- Nimmoun!😐👍
@anjalikarmakar6238
Жыл бұрын
The subtle parody dialogues to the office is awesome
@bingivenu
Жыл бұрын
how to withdraw 90% from PF. which option i need to select in that claim type
@rb300tzp
Жыл бұрын
If you can have the PF amount, It's better to deal with all the other loans than the home loan. Because, home loans are the cheapest and also one can claim taxation benefit from repaying home loan.
@sivag2032
10 ай бұрын
Well pf can be withdrawn only in case of home loans or health reasons.Not possible to pay off other loans with it.
@vimalpritham8340
7 ай бұрын
@@sivag2032where shall I got the information about withdraw PF details to repay the loan
@devanshusharma2772
Жыл бұрын
Itni quality improve kr li .. gazab 👌👌🌟
@DrLOL17
Жыл бұрын
Pay from PF and then sell the house during retirement 😂😂
@rajlovinglife
Жыл бұрын
That's what she said.. 😊
@shahryar1227
Жыл бұрын
I am studying Business Studies in college but Sharan definitely knows more always. 😂😂😂
@mohammadamaan1310
3 ай бұрын
The way he's holding the kid in picture 😂
@fit_potato
Жыл бұрын
Ooh, Michael Hegde 😮
@higuysokdosto3582
Жыл бұрын
Hey please suggest any investment plan for disabled person
@inningsfantasyfables
Жыл бұрын
25 din me paisa double scheme hai...interested??
@higuysokdosto3582
Жыл бұрын
@@inningsfantasyfables okay 😂
@roxshows938
Жыл бұрын
That what she said😂😂😂
@diyadutta9952
Жыл бұрын
😂😂😂 i declare bankruptcy sounded funny
@pratyushgamerz4960
Жыл бұрын
Bhaiya aapki information to bahut acchi hai lekin ek baat hai ki Aapki sari videos English mein hoti aur jyadatar Indians jinhe finance ke bare mein kuchh khas pata nahi hai aur jinke liye aap yah videos banate ho unko English samajh nahi aati hongi To bus itni request hai ki HINDI mein videos banaya kijiye 😊😊
@nextgencupid
Жыл бұрын
What if your pf amount is less than remaining principal.. Emi will keep going regularly
@kumarpkp
Жыл бұрын
Promoted to assistant to the regional manager.
@gauravkothari1602
3 ай бұрын
Michael Scott 😂😂😂
@TheAmd75
Жыл бұрын
Bro .I like ur Dialogue Deliverrrrrrrrrrrrrry. You r awesome .LOL
@AdityaSingh-dg7pr
Жыл бұрын
Isn't this 90% withdrawal allowed only 1 year before retirement? Also according to EPFO, isn't only 75% of the net balance of EPF is allowed to withdraw??
@mrcobblepot1116
Жыл бұрын
Lmao the beginning was gold
@anjaliumanabadimath5656
Жыл бұрын
Home loan is an exceptional
@Betterpoliticsbetterindia
8 ай бұрын
Subscribed just because of the Michael Scott reference
@syedfahad814
11 ай бұрын
Assistant to the regional manager 😂
@SupreethDT
Жыл бұрын
That's what she said 🤣😂😅
@shreejagnade4514
Жыл бұрын
"that must be really hard sharan" "That's what she said"💀
@southpaw1122
Жыл бұрын
Wish the other guy was Dwight. But the first guy is no Michael Scott either.
@vinaykr1991
8 ай бұрын
Max I can give is 'Assistant TO the regional manager'
@SAY-jf3hy
Жыл бұрын
It will be a horror , if my boss shouted ""BANKRUPTCY"
@manvithgbangerra3497
Жыл бұрын
Promotion wow bruhh congrats...🤣🤣😂😂👍👍
@ayushjedhe
Жыл бұрын
The office 😂😂😂 Indian michael scott
@cherrymac93
Жыл бұрын
"Assistant to the Manager" 😅
@noobthewarner4469
Жыл бұрын
that must be really hard shef THATS WHAT SHE SAID!!! 😂😂😂😂
@didyouknow0706
Жыл бұрын
Epic "That's what she said"
@AnimeGODX22
Жыл бұрын
real boss your fired 🤣 go to him
@ramasubramanians4580
Жыл бұрын
It should have been assistant 'to the" Regional Manager
@Mohit-t8d
Жыл бұрын
Bro I love your content ❤❤❤🎉🎉🎉
@kingeditsmv8996
Жыл бұрын
Bro thinks he is Jordan Belfort 💀
@sameersalim9423
Жыл бұрын
What if i dont have pf?
@teachinghub3722
Жыл бұрын
Love your content❤
@sunbhattacharjee
Жыл бұрын
Thanks for making this
@unicorns778
Жыл бұрын
Better to foreclose personal loan as amount will be easy to reduce or foreclose. Even interest rate also will be high
@icchedana2707
Жыл бұрын
Hi can you please help in negotiating for purchaseing a property (not through auction) which is taken over by Bank due to emi failure of the original owner.
@abhinavpundkar5028
Жыл бұрын
What about that PF overdraft it also contains intrest??
@Wanderingfoodies
Жыл бұрын
Assistant "to the" regional manager
@rkrs12345
Жыл бұрын
Can anyone explain what os PF ?
@Wiisporter
11 ай бұрын
Baby sharan looks so goofy 💀😭
@kartik4u
Жыл бұрын
How about future bro post retirement
@ganeshmedipalli
Жыл бұрын
Hi sharan…thanks for educating us by the finance related videos…you have mentioned that we can draw 90% of the PF amount….my doubt is can I draw the amount from NPS for the same reason
@Rahul_Deshmukh
Жыл бұрын
Thats what she said 😂😂😂😂😂
@achaleshkumar9773
Жыл бұрын
how to get a personal advisor on finance??
@boneythomas9332
Жыл бұрын
Fun track with sharan😅
@ritambose562
Жыл бұрын
Lets call California, Jan & David. They will fix it
@satyasude6401
Жыл бұрын
commenting only because of THE OFFICE flare here and Michael
@anilchudasama7698
Жыл бұрын
Thats what she said😂
@arjunprince3985
Жыл бұрын
But after taking loan from PF. You want to pay emi for that one also right. That you didn’t mention😂.
@himbhagat1937
11 ай бұрын
Im shure you get fined for paying back a loan early so let me cook here bro, if you pay back your loans faster you will need to pay a fee for early payment this is because the bank wants to profit off the intrest but if you pay back early they womt get as much money cause you paid fast so therfore you get sent a fee so they still make a decent profit this goes for any loan
@himbhagat1937
11 ай бұрын
And for people who want more here some more when you declare backruptcy yuor credit will be at 0 for 10 years so avoid it at any cost
@DineshShenvi
Жыл бұрын
Paying a housing loan is so rediculus when you have a tax benefit and you are now compromising your retirement corpus as well 😮
@Johnkhmal
Жыл бұрын
Thank you Sharan i got an idea from this clip.
@tradingwizard562
Жыл бұрын
Or withdraw from pf , pay major chunk towards home loan , then sell car , pay car loan and with rest of money do settlement in personal loan after ab u sing reco very agents and citing loss of income .
@Dongzey
Жыл бұрын
Even after following sharan for years..its of no use, as we dont have money,savings,pf or FD, all we have is loans and a job to pay exactly the EMI 😅
@ayushshukla3397
11 ай бұрын
What about prepayment charges?
@rathorejaisingh99
Жыл бұрын
Hi . Your channel is good . But i disagree with your this advice wrt repayment of loan. You should pay loan first which charges highest interest rate not larger amount loa.
@aktsavla
Жыл бұрын
After paying the home loan you can take a hl top up, reduce interest outgo and refinance your personal and car loan with a longer term loan
@panda.6023
9 ай бұрын
That's what she said
@Itz_Ghøst21
11 ай бұрын
That's what she said 🤣🤣
@Tyagi_rishabh
Жыл бұрын
assistant to the regional manager to be correct 🙃
@CommentPandit
Жыл бұрын
He has bought Rolls Royce 😂😂
@sachininamdarsir
Жыл бұрын
That's what she said 😂😂😂
@RohitChauhan-hy9lm
Жыл бұрын
she: that must be really hard sharan, thats what she says🤣
@oki484
Жыл бұрын
Top up your home loan and clear off your high rate of interest loans also
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