My Brain: ☠️ Pros: you'll be in your dream country Cons: whatever
@Praanshii
7 ай бұрын
lifestyle matters more than being broke in a good country
@d...s...4408
6 ай бұрын
True
@dattani53
Жыл бұрын
Some corrections here, Being a student of Finance, If you are sure about the job demand and you know your average pay for the career you gonna end up with, Student loan even a 100% one can be a potential investment. Conditions applied: 1) You are earning atleast twice your loan EMi post expenses. 2) You are ready for a major cut down in lifestyle, this includes no eating out, no fancy clothes, etc 3) You are going to a country with relaxed visa laws and work visa laws to make it work. Ideally your aim should me to get rid of the debt within 4 years post your masters/bachelors and you should have a whatever it takes mentally with stringent and aggresive working hours and sincere lifestyle. If you are ready to go through this pain, you may escape the trap of being "poor"/ ending up in a meaning less desk job. Basically having a hustle mindset with good economics and focus helps. Be smart!
@Bond007Himanshu
Жыл бұрын
💯
@gigachad8573
6 ай бұрын
Brother is it worth to pursue finance ,whereas i wanted to do computer science and im in first year ,but i want do to my degree abroad Should i switch ?
@albertsingsit4026
5 ай бұрын
That was really helpful. THnx
@sagarchawla1688
5 ай бұрын
It is simple. Getting into a good top-ranked University in Canada, USA, or UK in stem degree. Many students dont have that kind of money to pay the fees. They have to take loans from banks. Without the loan, they will not be able to move abroad. There will always be risk factors like not getting the job and other problems but if you have to get a good education, you have to take risks. And government banks don't have pre-payment charges. Private banks do have.
@karuOP
Жыл бұрын
I view it as try to not take student loans if its not necessary. But if it's necessary do take it. Don't compromise on your studies just because of loan. But try to minimise or atleast plan how you want to pay it back and in what tenure.
@murradonrun
Жыл бұрын
correct
@TheOddsOneOutxD
4 ай бұрын
@@murradonrunbrio is 6 lakh worth it?
@ashish1596
Жыл бұрын
Got an education loan from Indian NBFC for studying Master's in India without collateral. Interest charges are 9.25%. also prepayment penalty is less.
@mohakbangia5847
Жыл бұрын
Which nbfc ?
@murradonrun
Жыл бұрын
in current market? which nbfc is it? there has to be some detail that we are missing
@ashish1596
Жыл бұрын
@@murradonrun yeah so it's HDFC CREDILA. And I've taken admission in Symbiosis. They've tie ups with symbiosis that's why they're offering low interest rates for students studying there. Elsewhere they offer 11%
@mohakbangia5847
Жыл бұрын
@@murradonrun thats why i asked ...something does not add uphere 😂
@karuOP
Жыл бұрын
Top colleges in INDIA offer loans at low interest rate and without any collateral. If the college is bad then the loan is risky and hence the higher interest rate.
@priyaarora-tu8ly
Жыл бұрын
Good video - because these are exactly the things one should be looking at before they take a student loan. But slightly demoralising. Know that there are study abroad loan options that do not risk your collateral and have very little to no prepayment penalty. And that students do end up repaying the loan in a few years. The big IF here is the ROI. Talk to alums. Check placements. Agree with the stem but feel like you missed mentioning business degrees.
@murradonrun
Жыл бұрын
Very very true, have made the flip side of this video also at the end of this video
@rmpatpath3916
7 ай бұрын
I don't get how sure you are about stem degrees? I mean , loan is loan ... 1 cr loan for medical degree is the rate in India..for finance degree MBA also close to 1cr if you do from designer uni.. Repaying loan is not that easy ,coz no one gets 70 lakhs or 1 cr at the start of the carrier (we hear that only on marketing news of expensive private univercities) one of my relative has taken collateral security,means have taken loan on 2 flats that he owns ..I'm still skeptical coz this means giving away those 2 flats if he couldn't repay . You explained well in this video..parents who r already 55 are nearly reaching to retirement age..parents who have another child can't shouldn't put all of theirs assets on older child ..coz they have to keep money for that child,plus for theirs sunset years ...here I'm taking about parents who r working in private company where they won't get pension...you must include these points too ! One should think twice before taking such a huge loan.. Btw stem degree मे भी entry level 50 लाख anum expected salary मान के चल नाही सकते..किसी भी हॉस्पिटल मे 45 हजार 50 हजार मे लगे होते है फिर किराये 30 हजार से सुरू होते है जिसमे वो रहेंगे,फिर emi कैसे repay कर पायेंगे 4 साल मे??? लोगो को risk mitigation measures सोचना भी आ नहीं रहा..बस सब लोन ले रहे तो हम भी लेले.यही चल रहा है आज कल
@ManushiPatel-k7w
6 ай бұрын
Then what should one do if he/she doesn't have money for education?
@prasanjeetbiswas7322
Жыл бұрын
MBA fees are too high we need more college like FMS and jbims and that also more open to all India student rather than being state based
@murradonrun
Жыл бұрын
Very true
@sadibcreation931
Жыл бұрын
You are a good KZitemr with hard work 🖤
@anjalisingh4540
Жыл бұрын
I wanna point out one thing that getting ajob after STEM degree is definitely not easy. Esp when we speak of getting Industrial job afters masters in any life sciences research degree
@murradonrun
Жыл бұрын
Research degrees are anyhow not job oriented
@anjalisingh4540
Жыл бұрын
@@murradonrun yup, there we question whether to take an education loan for countries having whooping amount of tution fees. ROI in such case is a nerve-wracking thought. countries like germany with 0 Tution fees & minimal sem fees can still be a good option in terms of that There are industrial jobs in pharma n biotech companies after msc but getting into them is challenging + proficiency in nations lang if in europe
@akash-gm3cn
Жыл бұрын
@@anjalisingh4540 yes right
@Shazaantaimoor
2 ай бұрын
Thank que sucha extraordinary content murad
@shalspala2646
Жыл бұрын
First view, first like, first comment 😁thanks murad for informative video
@murradonrun
Жыл бұрын
So nice of you, yeyyyy
@deepikashet923
Жыл бұрын
Goodness, thanks alot for sharing the cons of it as well, I am going for a non - stem degree and my parents can hardly pay the loans, I am thinking only scholarships can help me out here in this scenario.
@murradonrun
Жыл бұрын
don't take anything more than 20 lahks, and choose unis and country wisely
@AbhishekAnand-wk4gb
6 ай бұрын
Really I am fascinated about your explanation. Make a video on CSIS scheme With Proper steps I need around 5 lakhs for MCA. Should I go with educational loan or stay with some relevant course?
@bismayabehura7744
3 ай бұрын
Thanks for information.
@HritSingh-v6p
9 ай бұрын
Is it worth taking a student loan of 50 lacs for an MS in Human Computer Interaction in the UK from UCL? My goal is to get a job there and pay the loan.
@yuva583
7 ай бұрын
Watching this video 4 years after taking loan
@THE_AETOS
3 ай бұрын
Bro toh kya tum apna loan succefully chuka pa rhe ho. Aur kya chije dhyan mein rakhe laon lete samay Please can u tell us
@alziakhan9635
Жыл бұрын
I am doing mba from INDIA taking 17.75 lacs of ed loan for great lakes mba . average package will as of now is around 12 lpa. I am thinking of keeping it for 5-6 years.
@akash-gm3cn
Жыл бұрын
Which cllg?
@mahinahmed8175
Ай бұрын
Thanks brother. Please make a video about mpower financing.
@learnit8290
6 ай бұрын
Usually it's no pre payment penalty.
@abhishekaggarwal6473
5 ай бұрын
True
@Rohan_pa6el
Ай бұрын
No private banks have this pre penalty , despite rbi saying against it. It's approximately 5-7% of the outstanding principal. Suppose a loan taken of 25 lacs, u paid 10 lacs back in EMI And want to close the loan by paying the remaining 15 lacs + interest. Then u will have to pay 5% extra on 15 lacs (75k) as prepayment penalty.
@learnit8290
Ай бұрын
@@Rohan_pa6el never heard of it. All of the loans my mother took were free from any prepayment penalty. Maybe it is the case in some banks that they charge you prepayment penalty.
@Rohan_pa6el
Ай бұрын
@@learnit8290 I'm talking about education loan for abroad from private banks like hdfc, axis, icici. They take
@HogaJaroor
6 ай бұрын
our education scholar loan sbi is on 9.65 interest....is it ok... please guide...nit ..male general
@vansharora5268
7 ай бұрын
this video usually focus on private bank loans govt banks are better interest is higher but its COMPOUND interest my sister paid off her loan in about 4 years the interest was like 6.5lk on 15lks loan
@PoonamGupta-su5ei
Жыл бұрын
A really helpful video. Thank you
@murradonrun
Жыл бұрын
Glad it was helpful!
@riddhihajare1748
Жыл бұрын
Please make undergraduate scholarships it’s truly needed
@murradonrun
Жыл бұрын
Already made
@rohaninitiative6058
10 ай бұрын
2:30 how is this calculated. Please provide completed step by step calculation
@devenbodhwani8163
5 ай бұрын
30L @15% interest for 12 years
@fitamaan
Жыл бұрын
Please tell students that scholarships are also available, not just don't go for loan
@murradonrun
Жыл бұрын
Haahhaha legit 50 scholarships on my page and 2 loan videos, go check bro
@vaishnavigiri1315
2 ай бұрын
If i am leaving Ireland and coming back to India after work or education. Then how to close my Ireland bank account AND how much can I save in my bank account while earning in Ireland? And how much will i take back to India? How do i transfer my earnings?
@pratishthapunj8399
Жыл бұрын
Hey Murrad! What are your views on taking a co-signer loan from USA?
@AsmitaPatel
Жыл бұрын
I have taken 20lacs students loan for Canada 😢 now I'm afraid my course is global business management plss reply
@murradonrun
Жыл бұрын
You will repay it, don’t worry, just would require hard work
@JayPatel-kx8hd
Жыл бұрын
My friend had taken the same course and a loan of 15 lacs. According to his experience even if u get an average salary job and live frugally u can pay it off easy in copule years.
@AsmitaPatel
Жыл бұрын
@@JayPatel-kx8hd thanks for your clarity 🥰
@heybhu1
Жыл бұрын
Im going for MBA in UK .. Fees is around 17k gbp ..and Ill be taking the money on loan 100% .. would I be able to repay.. is it a good idea? Now after watching the video Im kinda scared
@murradonrun
Жыл бұрын
Repayment would be possible, sunce the total fee is not too much, but just know that you’ll be stuck with it, with limited flexibility.
@itz._.pradeep02-hu1fb
Жыл бұрын
Hello when you going?
@heybhu1
Жыл бұрын
@@itz._.pradeep02-hu1fb September 23
@mohammadaltafalam4453
Жыл бұрын
Then people like me will never be able to go to US 😢, I am in IT Field will go for STEM Degree and can easily grab a Job but if taking loan is that difficult then it is gone case.
@murradonrun
Жыл бұрын
too many scholarships are also out there
@kanishkadoshi8300
Жыл бұрын
Hey, can you make one video on masters in marketing ? Best Universities from Canada, Singapore and so on ?
@murradonrun
Жыл бұрын
yes planning to cover it
@AbhinavSingh-ez3kf
Жыл бұрын
Hey i was planning for my mba in international business from greenwhich university London... Fees is 20L . I probably would have 2 years experience would save 4-5L .... Some how 10 to 12 L loan I have to take.. I have asked a bank they told 8.5% intrest on collateral ... What to do bit confused... How much persent loan should I take... Now I have a IT background
@hardikkarelia3783
Жыл бұрын
Hey abhinav! Can we connect? Even I am planning to do Mba in international business.
@praveenpurohit9812
Жыл бұрын
Hey murad really liked this video . Few days ago you created a video on Australia scholarship but those all scholarship were not available for Indian students. SO would you please make a video on Australia scholarship for indian. students .
@murradonrun
Жыл бұрын
only one of those scholarships is not available for indians
@vishakjayakumar248
3 ай бұрын
I have studied engineering with kissaan loan. Now looking for education loan for mtech
@anonymous_sjdjdd
6 ай бұрын
Hey, I have taken a 20 lakh at ~12% non-collateral loan on a MS degree in IT in Australia (from a Top 20 uni) which will costs about 65 lakhs (including annual rise and scholarship) for 2 years. I also have 42 lakhs in liquid + 10 lakhs in equities, plus I have a gig which has been paying A$5,000 consistently since Jan 2021. Do you think I should take the risk of getting the loan? My parents also have that kind of money saved up, but I do not want to stress them at this age (I am almost 28 btw). My motive of taking the loan is just to safeguard myself from any financial emergency like losing my current job and until I find a part-time job there.
@irfazh1128
Жыл бұрын
Hey murrad, DCU-Msc in management for an engineering fresher, loan amount is 15 lakh, would you consider that to be a risk ??(even though I get 2 years of stay back option)
@unomenah
2 ай бұрын
What happened then?
@adnanmansur2198
Жыл бұрын
Hi I have completed my graduation in 2019 after that I wasted my time I have no Job experience, Now I am thinking about to go Canada and complete my masters I know It will very difficult profiles like me to get a good Job in Canada,but I have no option to take take the risk. Please share your thoughts on it .
@evesivy
2 күн бұрын
HI, murad. I'm planning to pursue msc digital marketing or msc data science and i'm opting for 100% loan in UK. Am i making a wise decision? please help me through
@nightowl3x
Жыл бұрын
Hey I'm planning on going to london in September so I'm also planning to take 50lakh loan non collateral loan for my bachelors, do you think its a good idea? They say i get a duration of 15 years of emi to pay it back, but i thing I'll have to pay an approximate 50-60k a month, I'm doin Bsc computer science, what's your view on this? Can i pay it back even it takes 15 yrs or I'll end up in a really bad situation? What's your thoughts on this?
@NERDGAMER-007
Жыл бұрын
bro i think 50 lakh is bigger amount and for uk you can't say anything due to job crisis . Try not take that huge loan for that course. otherwise it will be harder to manage to pay the debt for you.
@vipulmali6884
Жыл бұрын
Brother in which country are you in rn?
@sayedabdulsamad1047
Жыл бұрын
Hey Murrad, Taking a loan of 30 Lakhs for UCD Smurfit Msc Business Analytics with 3 years of work ex. Is it a risk ?
@timidnik
Жыл бұрын
I'm thinking of Borrowing an Education loan n even though I've checked with more than 11-12 banks, I haven't found a single bank that charge pre-payment penalty, what Banks are those you're talking about? ( Arey no offense wala comment hai😂😂)
@murradonrun
Жыл бұрын
that is because you are going to Indian banks, RBI has removed prepayement penalty for Indian banks in 2019, pvt or public. but if you look at any international lender or any nbfc they can levy as much as 3 percent of the disbursed amount as a penalty charge if a borrower prepays the entire amount
@timidnik
Жыл бұрын
@@murradonrun you should've mentioned NBFCs n International lenders na, got me scared bro🙂
@ayushakki2414
Жыл бұрын
Video is half baked bro 😂 again no offence murrad.
@skywa1ke7.a
Ай бұрын
Bhaii NIT Allahabad me admission liya hain abb 1st Sem ka paisa to de diya hain... aage ke liye LOAN lu yaa rhene du ??
@_ak_ajay
Жыл бұрын
hii.. Murrad need to ask you one question i want to pursue pgdm course in canada and i want to take around 20lakh education loan..the int. % around 11 to 12.. it will be great if i take no collateral loan from hdfc credila etc..i don't want to burden my family with lots of money??
@yashparekh5207
Жыл бұрын
Yes
@maskedmangames2354
4 ай бұрын
what about IIMs thats not fom the STEM
@dhruvinvekariya975
2 ай бұрын
Ha to fir kaha se laye paisa?
@ShivaSingh-zr2ce
Жыл бұрын
Sir please make a video on best countries and universities for ms biotechnology
@murradonrun
Жыл бұрын
too niche of a video sorry
@ShivaSingh-zr2ce
Жыл бұрын
@@murradonrun ok sir😢
@BulldrawFF
21 күн бұрын
Should i take 4 lakhs loan ? I think it's okay and not that much ?
@v5bros201
9 күн бұрын
Yes go ahead its a small amount
@yogeshsonar943
Жыл бұрын
thankyou so much 😊
@murradonrun
Жыл бұрын
You're so welcome!
@RAJMISHRA-jl4tr
Жыл бұрын
Heyyy murrad this is Raj and I'm going to give Cfa level 1 from next year and I'm thinking to go for education loan could you help me to suggest the best bank for cfa. In India cfa course budget between 3-5 lakh so according to that please suggest
@anjalisingh4540
Жыл бұрын
By that it sounds like middle class students shouldn't take student loan for a non stem degree like management, finance 😭velpp
@murradonrun
Жыл бұрын
Finance can still be ms finance, but simple management from avg uni? I would advice against it
@thebestevertherewas
Жыл бұрын
@@murradonrunWould you also advice against MIM's from Universities like HEC Paris, etc? Please respond 😢,
@khushaltodi1033
Жыл бұрын
Hey Murrad. Can you please post your NUS Singapore video? I’m most likely going there for my masters this year.
@murradonrun
Жыл бұрын
kzitem.info/news/bejne/po97zpyogItnjX4 Idont like the edit, thus did not post it. but let me know what you think about it
@khushaltodi1033
Жыл бұрын
@@murradonrun Thank you so much!!! Do you think going for a masters in finance in Singapore at this point of time is a good bet? I’m talking from a job opportunity point of view.
@rmpatpath3916
7 ай бұрын
I'm staying in Singapore for last 16 years..jobs for international students is tougher in current job scenario..even people who have 10 years work experience aren't getting E pass ..
@Mr_Please
Жыл бұрын
is prodigy finance a good alternative?
@murradonrun
Жыл бұрын
yes it is
@maheshreddy6590
Жыл бұрын
Made my day
@sharma00152
Жыл бұрын
Uk se mba in international hotel managment ke liyea 70 %ka loan lerahu... Bcz practical cource he.... Kya sahi rahega bhai
@gourigupta3289
Жыл бұрын
Bhaiya ap btate acha ho but please thora hindi m bhi samjao or last m al story type ki bta do qki hum bache h or mujhe bhi loan lena h m sun rhi hun samj bhi ara h but samj nhi bhi ara h
@fyaz05
Жыл бұрын
my friend took loan from central bank of india for iim ranchi 5 year IPM program at REPO RATE (6.25%) + 2.05(Credit Risk Premium)= 8.30% presently
@murradonrun
Жыл бұрын
That is because it’s Indian institute, my video is from the perspective of study abroad, for abroad reference rate is rblr, not repo rate
@himanshugupta1142
4 ай бұрын
6 lakh m bhi risk h kya in India
@ashishgupta-jt1ci
Жыл бұрын
Is UK or usa which country i can pay my loan faster if i go for master in healthcare field...my loan amount wilk be usa is 25 lakh and uk 16 lakh
@Rohan_pa6el
Ай бұрын
Where r u now bro ?? I also want to go usa Loan sanctioned from credila : 25 lac @ 13% roi Can I repay my loan in usa ??
@ashishgupta-jt1ci
Ай бұрын
@@Rohan_pa6el how did you find the loan
@Rohan_pa6el
Ай бұрын
@@ashishgupta-jt1ci I just called on internet multiple banks. Of all them, hdfc credila was giving loan to me fast. All other like govt bank require ton of paperwork and time. For credila I basically gave all info about me through mail ... didn't even go to bank physically... But they charge more interest than govt banks. That's a down side. & also this interest is floating meaning it can increase in future.
@Rohan_pa6el
Ай бұрын
@@ashishgupta-jt1ci meri chod bhai.... Where r u right now ?? UK or usa ??
@rajnikerketta
Жыл бұрын
I m going to australia for pursuing masters in professional accounting . So how much % of my tuition fees I should take education loan?
@murradonrun
Жыл бұрын
depends on course and future plans
@Devikaman_kapoor1313
2 ай бұрын
Bahi jaism aguts hota hi vo vapis karleta jain😊
@Elusivee007
Жыл бұрын
I would rather study in India/Germany than taking an education loan😂
@rohaninitiative6058
10 ай бұрын
Y Germany
@kamleshbharucha8751
11 ай бұрын
Mba in finance in mumbai want to do 10 lakh ka loan without interest or little interest after job
@Machaivelli
Жыл бұрын
What about the mba students then(of top us bschools) who take loans of 120,000$ after the scholarships ??? Most of them have good profile still take the loan leaving good jobs here in india Surely they're not fools to take such a risk ? Would like to know your opinion
@gamechangerinlife5361
Жыл бұрын
98,35,740.00 😮
@ayushaish1478
3 ай бұрын
Is sbi education loan okay ?
@HritSingh-v6p
Жыл бұрын
Hi, I have received an offer from the London School of Economics in MSc in Human Resources, I am taking a huge loan of 40 lacs for it. In no way I can afford the study without the loan. What is your advice? I am really worried. Your reply will be much appreciated!
@dhillanchandramowli5670
6 ай бұрын
In a similar situation. Sitting on offers from UCL and Goldsmiths, waiting on scholarship responses. Genuinely debating whether it's worth it at all. Fucking sucks to be in this situation.
@junaidfitnessk
10 ай бұрын
Thankyou bro ❤
@Praanshii
7 ай бұрын
can I take one for IIM Indore (being from middle class family) 40L at 9.8% ? ps: IPM won't be in STEM degree. So if anyone have any Idea about all this.... Please!!
@THE_AETOS
3 ай бұрын
Go for CSIS loan scheme
@Royalstar-qg8qs
22 күн бұрын
Hello aapne loan le liya kya
@this___that
Жыл бұрын
Do you have telegram channel??
@Oxtzedits-zt6bl
Жыл бұрын
I planing on going to study japanese language in japan i need 10 lack for 2 years course but i already have an loan on my house can i get a student loan ?
@vishalparmar9566
4 ай бұрын
Yes you can apply for the student loan bro
@lastlasygamer3987
Жыл бұрын
Sir is there a way I can contact you, my parents are not letting me to study bachelors in germany, they are saying that I can't do anything Germany is not your level this and that, I am getting depressed sir, please help sir
@murradonrun
Жыл бұрын
book a counselling call with murrad from his insta link in bio
@thafheemmohammad9276
Жыл бұрын
CAN I TAKE A LOAN HALF OF THE WHOLE TUITION FEE.
@thafheemmohammad9276
Жыл бұрын
Ok so we can take 50-80% loan, thanks, but that will still have 4 year interest rate added, instead can I apply to loan after 2 years into the college?
@rohankumartalreja
Жыл бұрын
Why you did not apply for usa?
@murradonrun
Жыл бұрын
no long team perspective
@gamechangerinlife5361
Жыл бұрын
Hello bhaiya please reply dedo dubai me mba in finance karna worth heii kyaaa please bataoo 😢 please batao......only dubai
@murradonrun
Жыл бұрын
Not a very smart idea
@gamechangerinlife5361
Жыл бұрын
@@murradonrun means karna chahiye yaa nahii... Please vo to batao confusion create ho Raha hei.
@AbhinavSingh-ez3kf
Жыл бұрын
@@gamechangerinlife5361 London
@gamechangerinlife5361
Жыл бұрын
@@AbhinavSingh-ez3kf 😢 dubai me kya duraai hei please batao
@Investtodayforbettertomorrow
Жыл бұрын
Do CFA
@Brrave
2 ай бұрын
Collab with CodeWithHarry🎉
@butan9019
Жыл бұрын
2:27 😂😂
@Doodles321
Ай бұрын
I am afraid of you
@118shankhadipguin4
3 ай бұрын
Vai hindi to bat kiya kar sabko English nehi ati vai
@luvie5281
3 ай бұрын
sir how can i contact you
@funnykings7606
Жыл бұрын
hello please me bhai masters in aerospace engineering karna chahta hu Canada me lekin pata nai udhar job kesa hai kon bi bolte bi nai uske bareme
@murradonrun
Жыл бұрын
why dont you think of USA?
@funnykings7606
Жыл бұрын
Maine har kisi Canada walo ke channel pe master in ae engineering kebarene bolo karke lekin koi bolta hi nai
@murradonrun
Жыл бұрын
not many from engineering bg choose canada, just becasue USA has better scope
@funnykings7606
Жыл бұрын
@@murradonrun but for aerospace engineering usa is not that good
@funnykings7606
Жыл бұрын
@@murradonrun and aerospace is good in canada right bhaiya?
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