Ghar Cash vs Home Loan: 7% FD vs 8.5% EMI #oolka #creditworthy #homeloan

Ghar hamesha loan par hi lena? Iss video mein simple math se samjho:
Example: ₹80L home loan @8.5% (20 saal) vs ₹80L ko 7% FD/low-risk instrument mein compounding.

Numbers (illustrative):
₹80L loan @8.5% → EMI ≈ ₹69,426; total interest ≈ ₹86.6L over 20 years
₹80L @7% compounding → ~₹3.10Cr future value; interest earned ≈ ₹2.30Cr

Net gap ≈ ₹1.43Cr (pre-tax) — kyun? Loan interest reducing balance pe girta hai, investment interest compound hota hai.
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Видео Ghar Cash vs Home Loan: 7% FD vs 8.5% EMI #oolka #creditworthy #homeloan канала Oolka - AI Credit Score LevelUp