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Topic: EMI/Interest on loan Reducing or flat?

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9StockPortfolio
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Joined: 10/Sep/2008
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Posts: 479

Posted: 19/Jan/2010 at 11:31am

Net Loss?

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9StockPortfolio
Senior Member

Joined: 10/Sep/2008
Online Status: Offline
Posts: 479

Posted: 19/Jan/2010 at 11:35am

Forget 14.42%
Even if I earn @10% every year, I earn Rs. 1334.. Sir, where did you get that loss from?

PS: Ok, I got how you calculate. you are paying back from the loan amount. While I am using/rotating full 100k amount for 4 yrs, while paying interest from my pocket..

Edited by 9StockPortfolio - 19/Jan/2010 at 11:40am

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Chetan Panchal
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Joined: 14/May/2008
Location: United Arab Emirates
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Posts: 86

Posted: 19/Jan/2010 at 11:51am

Originally posted by 9StockPortfolio

Forget 14.42% Even if I earn @10% every year, I earn Rs. 1334.. Sir, where did you get that loss from?PS: Ok, I got how you calculate. you are paying back from the loan amount. While I am using/rotating full 100k amount for 4 yrs, while paying interest from my pocket..

Its profit of 18 rs. typo error.
Its difficult to understand ur maths.
how u can rotate full 100K amt for 4 years when u have to pay back 2883 every month.
have you calculated cost of borrowing on that amt.2883 per month?
and if ur paying back from loan 100k plz explain how u can earn rs.900 per month till 48th month when ur cash on hand reducing every month.

Edited by Chetan Panchal - 19/Jan/2010 at 11:53am

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9StockPortfolio
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Joined: 10/Sep/2008
Online Status: Offline
Posts: 479

Posted: 20/Jan/2010 at 12:15pm

I am not paying back from the loan itself. I have enough finances available to pay back the entire loan with it's interest. Why i am borrowing? to tap the opportunity that might turn out a good workout. Suppose if I invest all amount in Hyderabad Industries, and after 4 years, it turns out a multibagger then? till that time i would be paying 2886 from other sources like Salary. I won't touch that investment until i get desired returns.

My Desired returns can be 0.9% per month or 25% per year. You have 4 years to use that 100k. You pay 34672 for first year, and in-turn you get 100k cash for investing. You may think like this also. get 2 bagger in one year and return back the loan in one year itself. Retain the profits. It's up to you to serve the entire loan tenure or not.

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