Indian Economy indicators that make Indian Real Estate a promising investment- a perspective for homebuyers in Hyderabad!
Indian Economy indicators that make Indian Real Estate a promising investment- a perspective for homebuyers in Hyderabad! As an investor, the Economy of a country tells us whether or not it is safe to invest in a country in the first place! Whether it is Foreign Direct Investments, or Business investments, the health of the Economy of the country an investor thinks about matters above all else! Measures like Gross Domestic Product (GDP), the Stock markets, Unemployment rates, Consumer Price Index (cost of living changes), and consumer spending are some of the few dominant indicators that an investor considers before investing. So, it is safe to say that if a country does well in broad indicators, then the overall future of the country’s economy would make it a safe bet for an investor’s money. Going by the same logic, if the economy is on the growth path, there is a very strong reason to invest in real estate as well. The intent of the article is to provide a broader sense of direction and clarity to home buyers across India, and especially Hyderabad, about the major trends of the Indian Economy. [Source- https://pib.gov.in/ ] The reason why a home buyer in Hyderabad can confidently invest in a residential property in Hyderabad is because of all the right reasons! The Indian Economy indicators tick all the right boxes- India as a safe country to invest, in and Hyderabad as a vibrant city for investors across sectors!! [Source- https://econ.economicshelp.org/ ] Indian Economy Indicators- Trends, and facts that help us gain a clearer perspective! India is the fastest-growing economy in the world India will be amongst the top 3 economic powers in the next 10-15 years A robust democracy and partnerships in India are a matter of great pride for Indians Indian GDP- India’s GDP is Rs. 232.15 trillion (USD 3.12 trillion) from 2021-to 2022 India is No. 3 in the number of Unicorns produced. What is a unicorn? Ans: A unicorn business is a startup that’s valued at over $1 billion Over 83 unicorns from India are collectively valued at US$ 277.77 billion By 2025, India is expected to have 100 unicorns. More Indian Unicorns will also mean more jobs in India Indian Unicorns alone will create over 1 Lakh direct jobs as per the Nasscom-Zinnov report titled ‘Indian Tech Start-up’ [Source- https://pib.gov.in/] Indian Employment- India is looking at an increasing rate of employment growth by creating 9 crore non-farm jobs between 2023 and 2030s This will fuel productivity and economic growth in India as per McKinsey Global Institute If the net employment rate in India grows by 1.5% per year from 2023 to 2030, India will be poised to achieve an 8-8.5% GDP growth during this time period As per the Department of Economic Affairs, foreign exchange reserves in India reached the US$ 634.287 billion mark by the end of January 2022. This is a reasonably healthy reserve to hold [Source- https://pib.gov.in/] Recent development trends of the Indian Economy Indicators There has been an improvement in the economic scenario in India despite the pandemic Investments have increased across various sectors of the economy The private equity-venture capital (PE-VC) sector saw investments worth US$ 6.8 billion across 102 deals in November 2021 alone. This is 42% higher than November 2020 Indian exports between April 2021 and December 2021 stood at US$ 299.74 billion. This is almost 50% more than what it was last year during the same time period The Manufacturing Purchasing Managers’ Index (PMI) in December 2021 in India stood at 56.4. This is healthy for India. What is PMI Index? Ans: It’s an indicator of the economic health of the manufacturing sector, the Purchasing Managers’ Index is based on five major indicators viz. (1) new orders, (2) inventory levels, (3) production, (4) supplier deliveries and (5) the employment environment GST revenue collection stood at Rs. 1.38 trillion (US$ 18.42 billion) in January 2022. This is a 15% rise more than what was collected one year back FDI equity inflow in India stood at US$ 547.2 billion between April 2000 and June 2021. A very healthy trend India’s Index of Industrial Production (IIP) for November 2021 stood at 128.5 as against 126.7 in November 2020. What is IIP? Ans: The IIP indicates the performance of various industrial sectors of the Indian economy. It is calculated and published by the Central Statistical Organisation (CSO) each month Consumer Food Price Index (CFPI) – Combined inflation was 2.9% in 2021-22 (April-December) against 9.1% in the corresponding period last year. These are healthy trends. What is CFPI? Ans: Consumer Food Price Index (CFPI) is a measure of change in retail prices of food items consumed by the population. Under the CSO’s CFPI, the index gives food price level changes for rural, urban, and all India basis. Consumer Price Index (CPI) – Combined inflation was 5.20% in 9 months of 2021-2022 (i.e. April-December). This was lower than 6.6% in 2020-21 (during the same time) Foreign portfolio investors (FPIs) invested Rs.50,009 crore (US$ 6.68 billion) in the year 2021. A healthy indicator yet again! The wheat procurement in Rabi 2021-22, and paddy purchase in Kharif 2021-22 would include: (1) 1208 lakh (120.8 million) metric tonnes of wheat and paddy from 163 lakh (16.7 million) farmers, and (2) direct payment of MSP value of 2.37 lakh crore (US$ 31.74 billion) to farmers’ accounts [Source- https://pib.gov.in/ ] These Indian Economy indicators help us extrapolate the trends to the Indian Real Estate sector, especially with a clear conviction and inclination for investing in the city of Hyderabad as well. The home buyers, especially in Hyderabad, can safely invest in a residential home with all the Economic indicators at the country-level pointing in the right direction! “A strong economy causes an increase in the demand for housing; the increased demand for housing drives real-estate prices and rentals through the roof. And then affordable housing becomes completely inaccessible.” – William Baldwin ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ To know more about “Real Estate Investment: A Perspective For Indian Investors & Home-Buyers
Real estate in India on a growth path: a perspective for homebuyers in Hyderabad, 2022- part II
Real estate in India on a growth path: a perspective for homebuyers in Hyderabad, 2022- part II This is part 2 of the article. Please read part 1 for continuity and better understanding. Here we are understanding the strong indicators that show that Indian real estate has been extremely resilient since the outbreak of the pandemic. Clearly, Indian real estate has been one of the most resilient sectors even during lockdowns. The bigger picture indicates how real estate in India has been faring. An India-level report allows us to see things clearer since it applies to Hyderabad as well! Real estate consulting firm CBRE has highlighted some very enlightening facts in early 2022 that will encourage homebuyers in Hyderabad to stake their bets on real estate in Hyderabad. Some of the highlights that help us understand the trends are given below. Hyderabad, Mumbai, Ahmedabad, Chennai, and Pune have already registered rental growth in the range of 10-20% The rental has increased over the last year in cities such as Kolkata, Bengaluru, and Delhi-NCR (2%-7% year on year increase) Cold Storage (CS) facilities and capacity will double in India [Source- https://business.outlookindia.com/ ] E-grocery, food manufacturing and delivery sectors and life sciences will be real catalysts of growth [Source- https://smefutures.com/ ] [Source- https://www.news-medical.net/] [Source- https://www.prnewswire.com/] Retail sales are also growing, and demand would increase across categories in 2022 Demand for Quick Service Restaurants (QSR), supermarkets, electronics, and consumer durables will sustain, and stabilize in 2022 [Source- https://www.foodhospitality.in/ ] Stores will become multi-functional, and move away from being purely retail Omnichannel retail and hybrids retailing will increase. Brick and mortar retailing will be further strengthened by digital retailing. Hybrid retail is about using both e-commerce and bricks & mortar stores [Source- https://www.orangemantra.com/ ] Stores will offer solutions for supply chain issues of the logistics process. Especially, the last leg connect i.e. ‘final 50 feet’ i.e. “last mile” challenges of getting goods and people to their destination Greater focus on customer experience, and offer a superior experiential incentive to walk-ins by offering thematic stores, promotional events, expanded display areas Innovative F&B concepts will be key drivers in 2022 and beyond Impact on real estate in India Real estate is on a firm footing with the continued policy push and the economy picking up! Low mortgage rates will also be a key factor in driving residential growth [Source- https://www.moneycontrol.com/] Strong sales have been witnessed post Quarter 3 of 2020 No wonder, developers in India, including Hyderabad, are launching new projects, or offering newer phases within the existing projects Capital appreciation will be seen in 2022 due to such a pick-up in the sales momentum In fact, rising construction rates will see developers to passing on the increased price rise to homebuyers Mid-end and affordable segments will continue to drive momentum Even luxury housing categories are also witnessing a sharp rise for want of bigger spaces The affordable and mid-segment between Rs 45 lakh and Rs. 1 crore will push the demand for affordable and mid-segment homes in 2022 The per square foot residential home prices in Hyderabad are particularly attractive considering such a positive outlook [Source- https://getmoneyrich.com/ ] So, the indicators for real estate as a sector in India are very positive. Hyderabad will be a frontrunner in the growth path. The time is just right to confidently explore the right option for potential homebuyers in Hyderabad! Indian Economy is on the right track, and when the Economy grows, Real Estate development follows! “A strong economy causes an increase in the demand for housing; the increased demand for housing drives real-estate prices and rentals through the roof. And then affordable housing becomes completely inaccessible.” – William Baldwin ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ To know more about “Indian Real Estate On A Growth Path: A Perspective For Homebuyers In Hyderabad, 2022- Part 1”. Click here!
Indian real estate on a growth path: a perspective for homebuyers in Hyderabad, 2022- part I
Indian real estate on a growth path: a perspective for homebuyers in Hyderabad, 2022- part 1 This article is meant to highlight the strong indicators and reasons to show how Indian real estate has fared reasonably well since the outbreak of the pandemic. Before we think of investing in Hyderabad’s real estate, we need to know how things have been faring at the country level. The intent of this article is to showcase how and why Real Estate has proved to be one of the most resilient sectors in the Indian industries. Once we have clarity on the Indian landscape, we can safely assume that the same logic applies to Hyderabad as well. This will also give a reason for home buyers a perspective on why serene and peaceful localities like Sainikpuri are just perfect for investment as well as for a superb living experience. Let us now understand the bigger picture of how real estate in India has been faring, both residential and commercial. The points mentioned below come from the real estate industry pundits and give us a good perspective. Real estate consulting firm CBRE has come out with a very enlightening report in early 2022 on the resilience of the Indian real estate sector. An India-level report allows us to see things clearly as it applies to Hyderabad as well. Some of the key highlights that help us understand the Indian real estate trends are given below. Leasing on the rise in flexible spaces will continue to rise in India What are flexible spaces? Answer- All space operated by third-party flexible office operators, including traditional serviced offices as well as co-working space. Flexible spaces can be open-plan. It includes small enclosed offices, whole floors, and buildings India remains strong position in the economy as well as promising growth projections across segments like office, industrial, and logistics (I&L), and residential segment Strong and continued government focus on infrastructure development and industrial growth Segments such as logistics and manufacturing will continue to grow in India A greater focus on ESG will boost Indian real estate, and the overall economy. What is ESG? Answer: ESG stands for Environmental, Social, and Governance. ESG gives importance to non-financial parameters that impact the business. This is good for the overall quality of life at the country level. It is all about a greater focus on health & wellness. ESG drove real estate growth is committed to driving energy efficiencies and reducing the carbon footprint I&L (Industrial & Logistics) sector will be a sunrise sector and will help the leasing segment of Indian real estate Indian markets will further mature in alternative segments such as life sciences. This will drive more investment opportunities in India More office space is as compared to 2022. Growth in demand for office space is over 13-14% as compared to 2021 Technology firms will lead the pack in leasing office space in 2022 Other industries that will take office space on lease in the times to come are: BFSI, engineering & manufacturing and life-sciences Major cities like Bengaluru, Hyderabad, and Delhi-NCR will drive growth in 2022 Over 50 million sqft (5 crore sqft) of new office space will become available in 2022 This means that office space would grow at 4-5% annually Physical offices have a future, and this is proved beyond an iota of doubt! A hybrid working model with work from home coupled with an office option shall be there to stay. This means that office spaces will continue to retain their importance There will be a great thrust on ‘Workplace strategies’ to improve productivity Six technologies to drive the real estate sector in 2022 and beyond will be: SaaS Artificial Intelligence Internet of Things Robotic Process Automation Virtual/Augmented Reality Blockchain Leasing in India will remain strong in 2022 and touching over 37 million sqft Leasing will grow more than 20% on an annual basis in India in the years ahead E-commerce and 3PL firms (third-party logistics) will continue to grow in India. This will further boost real estate growth Macro-economic recovery will continue in India. Plus, online retail penetration will help in the macro-economic recovery Next-gen logistics facilities will dominate the upcoming supply pipeline as warehouses will grow taller (vertical growth of buildings) in India So, Warehousing spaces will rise further in 2022 Continued up-gradation / expansion opportunities will come up in tier-I cities Newmarket penetration in lower-tier cities will happen Local distribution networks in emerging logistics hubs will growth of warehouses Over 35 million sqft (34 lac sqft) of new warehouses will become operational in 2022 Regionalization of supply chains across Asia Pacific countries will benefit alternative manufacturing hubs in India Overall, the trends indicate a positive shift for real estate in India. With such strong indicators, investing in real estate becomes a safer and assured bet in India, and in particular, in Hyderabad! “Extraordinary claims require extraordinary evidence.” . – Carl Sagan ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ To know more about “Real Estate Investment: A Perspective For Indian Investors & Home-Buyers [Part-I]” Click here!
Investment in Real Estate: a perspective for Indian investors & home-buyers [part-II]
Investment in Real Estate: a perspective for Indian investors & home-buyers [part-II] This is part 2 of the article. Please read part I. Investment in real estate can be rewarding and a wise choice to make in the long run! Whether you want to retain the property or sell it, you would normally never go wrong on a well-thought-out real estate investment. In India, those who invested in residential real estate in the past 7 decades have only gained from it. Besides, one simple yet compelling reason for investing in real estate is that ‘one should not put all the eggs in one basket by investing in volatile stocks and shares.’ Reasons that go in favour of investment in real estate- 1. Consistent and assured rental income possibility Your monthly rent inflow: a big relief on your EMI For example- if you have taken a home loan of Rs 1 crore for a property worth Rs 1.3 crore, your EMI each month will be approximately Rs 75,000 per month. With a rental income of about Rs 30,000, your outflow is minimized Plus, your tax liability goes down with many tax benefits available on Home Loans in India (See part I of the article), which means you are effectively having a monthly outflow of less than Rs 20,000 per month to own a property worth Rs 1.3 crore which will continue appreciating as you repay your home loan It is a known fact that home buyers on an average pay off their home loan in an average timeframe of about 10 years 2. Financial security for family One thing that the pandemic has taught us is to keep some savings for a rainy day. Besides, home buyers are now willing to have bigger homes and keep aside money for their home The importance of large spaces and a ‘home of your own’ has gone-up globally Plus, with investment in real estate, the down-trend of your property won’t be irreversible Property has a shelf life of over 100 years, especially, when you get a share of the land also along with the apartment you buy. Of course, with an independent home built on land, the gains remain high The value of apartments also goes up over a period of time. For example, those families who bought an apartment in Mumbai almost 40 or 50 years back, are now getting handsome returns even on their old apartments. These old apartments are valuable because of the land prices on which these old apartments are built on Investment in real estate is a long-term proposition. It is a forced saving and a very responsible way to lock your income into creating a long-term valuable asset Buying real estate is a wealth-building proposition! For this reason, many homebuyers invest in real estate to supplement their post-retirement income. Earning the monthly rental cash flow supplements your income. Selling your property is also an attractive option to make a profit By and large, Indians feel more secure knowing their money is invested in a safe investment (real estate) Leaving liquid cash in your bank account or investing the entire amount in the stock market is not wise! 3. Smart investments with assured appreciation and income options for the risk-averse investors Some of the smart ways to invest in real estate include- [Source- https://www.goodreturns.in/ ] 4. Pass-on real estate property to your legal heirs Many Indian families have grown rich just by holding on to their real estate investments over the last few decades, generation after generation! The thrill of passing on your real estate investments to the next generation is amazing! Also, it’s a great way to secure their future, and to make sure they are never hard-pressed for money or a comfortable lifestyle for decades to come! By buying and passing on your real estate assets to your loved ones, you build a legacy of your own! Inheriting a real estate property gives your legal heirs a real asset that’s income-generating! Capital appreciation is an irreversible process with real estate and a safety net for your family in difficult or unpredictable times! Your legal heirs can choose to either keep the property or sell it to earn windfall gains “Now, one thing I tell everyone is learn about real estate. Repeat after me. Real Estate provides the highest returns, the greatest values, and the least risk.” – Armstrong Williams ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ To know more about “Real Estate Investment: A Perspective For Indian Investors & Home-Buyers [Part-I].” Click here!
Real Estate investment: a perspective for Indian investors & home-buyers [part-I]
Real Estate investment: a perspective for Indian investors & home-buyers [part-I] Investing in a residential property is worthwhile for the simple reason that they are long-lasting and real! Hence, the name ‘real estate’! ‘Investment’ and ‘Real Estate’ when combined give you a formidable combination to secure your money and future! No wonder, we call it ‘Real Estate ‘- a real property consisting of land and improvements that include buildings e.g. property, plant, and equipment. Real estate investment is into tangible assets like fixtures, roads, structures, and utility systems. Why invest in REAL ESTATE? Be it an apartment, builder-floor, row-house, or an independent bungalow/house, Real Estate investment makes your portfolio of investments diversified and low-risk Helps you spread the risk, and not put all eggs in one basket! You prevent suffering a total loss by buying a property. A real estate investment comes in handy on a rainy day, and NOT investing everything in high-risk instruments like stocks and shares With Real Estate, you increase your chances to earn more, earn consistently and minimize losses Even if you are yourself living in your home (self-occupied), and have no intention of selling it, you still feel comfortable seeing your home value appreciate over time! Of course, real estate does need a lot of money to invest, but the reasons justify investing in real estate Plus, when you rent out your home, you become a business person and begin earning monthly rental returns on your investment Compelling reasons that make real estate investment promising Investing in real estate could be one of the best investment journeys of your lifetime! Here’s why- 1. Investing with borrowed money (home loan) is possible Let us understand this better with an example- For example- If you have a property worth Rs 1.25 crore, you could take a 1 crore loan if you put your own contribution of Rs 25 Lacs This means that with Rs 25 Lacs of your investment (own contribution) i.e. 20% of the total value, you can hold a property worth Rs 1.25 crore You pay the EMI of the home loan (approx. 75,000 per month as per current Indian interest rates of approx. 7%) The property automatically increases in value over a period of time For instance, in Sainikpuri, Hyderabad, a builder floor costing Rs. 1.25 Crore in 2022 is bound to appreciate beyond Rs 1.50 crore over 2 years…i.e. by end-2024 or early-2025. This means you can actually get a return on investment of Rs 25 Lacs on your own contribution of just Rs 25 Lacs along with the mortgage EMI that you pay. To counter the EMI, you continue getting rent of about Rs 30,000 per month. If it’s self-occupied, you are saving on paying the same rent yourself! So, it’s a win-win situation!! Let us look at a simple ‘Return on Investment’ calculation: You invest your own Rs 25 Lacs You take a home loan for Rs 1 crore You buy a property for Rs 1.25 crore You get a rental income of Rs 30,000 per month You sell it after 2 years of Rs 1.50 crore Even after paying for EMI, you end up getting a NET GAIN of Rs 15 Lacs on Rs 25 Lacs of your own contribution So, you invested Rs. 25 Lacs (own contribution), and ended up getting Rs 40 Lacs after 2 years Your annual ROI comes to 26% annually as given in the calculator below- [Source- https://www.omnicalculator.com/] 2. Ability to make your home attractive for resale You can make your apartment or home look more attractive with the right interiors, and other factors by working on them Sometimes, a great flat with the right Vastu, the right location, and the right amount of views could fetch you handsome returns Making a conscious choice to make this happen is very easy You can increase the rate of appreciation of your property by making the right renovations, repairs, and interiors. Basically, with the right packaging, your home could become even more attractive at the time of resale Sometimes, sensible cosmetic renovations and modifications alone can increase the value of your home by more than 10% to 20% It is common knowledge that real estate property appreciates by at least 5% every year, if not more 3. Tax benefits as you pay your home loan The Indian government has given many benefits to citizens to invest in real estate A home loan is eligible for tax deduction under Section 80C A home loan in India comes with multiple tax benefits that significantly reduce your tax outgo If a home loan is taken jointly, co-borrowers can enjoy tax benefits on their taxable income individually. So, the rewards of buying a real estate property on loan are great in India Some of these tax benefits are: Deduction for interest paid on a home loan. You can claim Rs 2 Lacs of interest paid as a ‘loss on house property’ and your overall income to the extent of Rs 2 Lacs annually becomes non-taxable. That’s a great benefit! Deduction on interest paid towards home loan during the pre-construction period. This is also capped at Rs 2 Lacs per annum Deduction on principal payment to the extent of Rs 1.5 Lacs annually becomes non-taxable out of your total annual income A deduction can be claimed on stamp duty and registration to the extent of Rs 1.5 lacs under section 80C Additional deduction under section 80EE is possible where a loan is less than Rs 35 lacs, and the property is less than Rs 50 lacs in value Additional deduction under section 80EEA is possible if the value of a property is less than Rs 45 lacs, and a loan sanctioned after April 2019 While the investment in real estate is big, the rewards are huge and long-lasting! “In investing, what is comfortable is rarely profitable.” – Robert Arnott ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ To know more about “DO’s And DONT’s For A Real Estate Investor!“. Click here!
3 BHK builder floor apartment Investment in Sainikpuri, Hyderabad – an attractive proposition for investors!
3 BHK builder floor apartment Investment in Sainikpuri, Hyderabad – an attractive proposition for investors! Sainikpuri in Hyderabad is undoubtedly one of the most serene and nature-blessed localities. No wonder, even IT professionals who have their workplaces in the Western corridor or elsewhere prefer to call Sainikpuri their home! Buying a builder-floor 3bhk apartment is attractive in terms of investment too, and it’s a joy to see your home price appreciating with every passing month! 1. What does a builder-floor in the Sainikpuri locality mean? You get apartment space of over 2200 sft of spacious 3 BHK This apartment is usually part of a ‘standalone apartment building’ built on a 400 to 500 square yard of plot In Hyderabad, it’s normally a 5-storey building with 5 exclusive-floors When you buy a builder-floor, you get to ‘own the entire floor’! Excellent privacy!! You get amenities like exclusive lift access to your exclusive-floor You get a dedicated parking slot on the ground floor Whether you buy your builder-floor in Sainikpuri for self-use (your own family), or for renting purposes, you don’t lose out either way! Appreciation calculation of your builder-floor in Sainikpuri- suggestive If you want to buy a builder floor apartment in Sainikpuri purely for investment purposes, this is how it works: Scenario: You buy the 3BHK apartment on a home loan, and put it up for rent. Then you sell it after 2 or 3 years to gain appreciation out of your investment. The builder floor appreciates Rs 1.50 crore after 2 years (a safe assumption). The average price of a 3BHK builder floor = Rs 1.25 crore Likely price appreciation after 2 years = Rs 1.5 crore Total gain* after 2 years: (b) – (a) = Rs 25 Lacs Loan amount = Rs 1 Crore (Bank loan) Own contribution in buying home = Rs 25 Lacs (down payment) EMI on loan = Rs 75,000 per month approx. (pic shown below) Rent per month = Rs 30,000 per month Total rental income in 2 years = Rs 7.2 Lacs in 2 years Total EMI paid in 2 years = Rs 18 Lacs in 2 years Net outflow in 2 years (i) – (h) = Rs 10.80 Lacs in 2 years Money you get back (c) + (e) = Rs 50 Lacs in 2 years Net ROI** after deducting Net outflow = Rs 14.20 Lacs in 2 years Total Return*** = Rs 39.20 Lacs *Total gain (c) = (b) – (a), **Net ROI (l) = (e) – (a), ***Total Return m = (e) + (l) So, once the property appreciates to Rs 1.50 crore in about 2 years, you could sell off the property at a profit! You get Rs 25 Lacs after returning the Rs 1 crore bank loan. If you remove the outflow of Rs 10.80 Lacs in 2 years, you get your NET GAIN (NET ROI) of Rs 14.20 Lacs. This is just a lower estimate. Your gain could be more dependent on market forces. You get a capital appreciation of Rs 14.20 Lacs on your investment of Rs 25 Lacs (your initial down payment)….which means a return of 25.22% Your Rs 25 Lacs (down payment) becomes Rs 39.20 lacs in 2 years if you sell your builder-floor property in Sainikpuri The table below gives you a calculation based on your initial down payment of Rs 25 Lacs! (Rs 25 Lacs = your OWN CONTRIBUTION) [Source- https://www.omnicalculator.com/ ] Given below is the Home loan calculator for ease of reference- [Source- Home online calculator by HDFC Limited, 15th April 2022] This is just an indicative example of capital appreciation of your builder-floor in Sainikpuri. The appreciation could be more. Why will the builder floor apartment investment in Sainikpuri give such high returns? The reasons are simple- It’s Sainikpuri we are talking about, and it’s currently very affordable. So, excellent appreciation prospects over the next 2 to 3 years are a given! Land in Sainikpuri is getting more and more scare & premium with every passing month The social infrastructure and the locality of Sainikpuri is preferred by some of the most discerning home buyers (including NRIs) who value the quality of life with natural surroundings, Kapra lake, and more… With a builder-floor, you get a high share in the chunk of land as well. For example- 70+ square yards are yours in a 400 square yard plot in Sainikpuri (in 5 exclusive floors in the standalone building) Land prices in Sainikpuri are currently at Rs 50,000 are square yard, this will further easily breach the Rs 70,000 per square yard mark within 2 years….this means your profit on land alone is Rs 20,000 per sq. yd. within 2 years [Calculation- Rs 70,000 per sq. yd. minus Rs 50,000 per sq. yd. = Rs 20,000 per sq. yd. PROFIT in 2 yrs.] This means your 70+ square yards of the land itself will grow to over Rs 14 Lacs. Calculation- 70 sq. yds. x Rs 20,000 per sq. yd. = PROFIT of Rs 14 lacs on your 70 sq. yd. land alone! The cost of construction is bound to rise over the next 2 years. This also means your per sft rate of 2200 sft apartment area will also grow by at least Rs 500 per sqft Even if you do not sell your builder-floor apartment, you are happier to be owning a property in Sainikpuri that’s in demand! All this is a clear indication that investing in a builder-floor in Sainikpuri is an attractive investment option! ““The rich invest in time, the poor invest in money.” – Warren Buffet ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ To know more about “Investing In Real Estate Projects: Exploring Investment Opportunities For A Healthy Return!”. Click here!
Different types of split system ACs explained- exclusively for home buyers in India!
Different Types of Split System ACs Explained | Avisun Properties As a home buyer, we are required to install an air conditioning unit before we move into our new home. Doing so prior to moving in gives you better flexibility and a superior outcome on both aesthetics and functionality. The best part is that your family moves into a home that becomes immediately more welcoming and pleasant, especially, during summertime! [Source- https://www.bestunderr.com/ ] Basically, air-conditioning is all about simultaneous control of temperature, humidity, air motion, and cleanliness! Here, we shall talk about split system ACs. [Source- Google search: 14th April 2022] Types of split system ACs in India: Wall Mounted [Source- https://www.familyapplianceph.com/ ] [Source- https://www.lg.com/ ] Floor Mounted [Source- https://www.lg.com/ ] [Source- https://sammyhub.com/ ] [Source- https://sammyhub.com/] Ceiling Mounted [Source- https://www.hitachiaircon.com/] [Source– https://www.lg.com/ ] Multi Split-ACs [Source- http://airconrepair.net/] [Source- https://www.fujitsu-general.com/ ] [Source- https://www.indiamart.com/ ] Cooling Capacity [Source- https://www.rrstech.in/ ] Energy Efficiency Rating (EER) With these basics, you can avoid dilemmas, and choose the right type of split air conditioner for your dream home! “When you cannot make up your mind which of two evenly balanced courses of action you should take, choose the bolder.” – William Joseph Slim ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ To know more about “Home AC Basics: 4 important basics to know about air-conditioning of your dream home!” Click here!
Window AC Vs Split AC – An Easy Comparison For Home Buyers’ Clarity!
Window AC Vs Split AC As a home buyer who has just gotten possession of one’s dream home, you need to know many things about interiors. Air conditioning is an important element that goes into protecting your loved ones from the scorching heat of summer time! Plus, you have to balance your budget and priorities when it comes to air-conditioning. It also depends on the individual priorities, likes, and dislikes of each family member. Some family members may prefer a split air-conditioner, others may prefer a window AC. [Source- https://www.indiamart.com/ ] Some of us are very particular about looks and aesthetics and don’t want the air conditioning unit popping out of the window. Also, the window air-conditioner tends to take away some space from the window, reducing the inflow of natural light. The split AC on the other hand can be fixed on the wall. Plus, it looks way more elegant and pleasing as compared to a window AC. Both split and window AC require access to the outside for the outdoor unit. The split AC particularly has two units- an outdoor and an indoor unit. Additionally, a split AC needs a 3-inch hole in the wall for ducting purposes. On the cost front, a split AC may be cheaper than the window AC depending on the start rating and brand of AC being bought. Installation cost comes with both. Similarly, for your split AC you need to have space provided by the builder for placing your outdoor unit safely. All these factors need to be considered before you buy your AC as a home buyer. [Source- https://www.flipkart.com/] [Source- Photo by Max Vakhtbovych: ] Window AC Vs Split AC: Let us explore Window AC Vs Split AC, some of the main comparison points, and the right approach to help you make your selection with clarity. Pricing Space required [Source- https://www.amazon.in/ ] Energy consumption and efficiency [Source- https://top10talks.com/ ] Noise Cooling capacity Maintenance and serviceability [Source:https://www.youtube.com/] With this guidance on Window AC Vs Split AC, you can easily choose what works best for you! “The choice to take action to accomplish what you want or what you deserve is entirely up to you. No one is going to seek you out and no one is going to do it for you. It’s your move.” – Catherine Pulsifer ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ To know more about “Split AC Vs Window AC: A Perspective For Middle-Class Homebuyers In Hyderabad“.Click here!
How To Check The Quality Of Red Bricks For Your 2BHK Or 3BHK Home!
How To Check The Quality Of Red Bricks For Your 2BHK Or 3BHK Home! We are all aware that bricks are one of the most essential materials in construction. They are the building blocks of the structure, responsible for its durability and strength. When you hire a contractor for the construction of your house, you need to make sure that all the materials he uses, including bricks, are of good quality. The actor Will Smith once said, “I do not have to build a perfect wall today. I just have to lay a perfect brick”. We agree. So, how do you find the perfect brick? And what can you do to ensure the quality of the bricks you are using for your construction? In this blog, I’ll be discussing what you need to check when it comes to ensuring the quality of your bricks. A few tests that can be done even on-site to check the quality of red bricks: Uniform colour, size, and shape Red bricks should be well burnt. A rich red or copper colour indicates good quality, any other shade indicates the brick is over or under burnt. In such a case, the brick loses its shape. All the bricks should be of uniform size, without any bulky edges. The more the bulky edges, the more the mortar needed – which increases the cost of construction. Good quality bricks have sharp edges. Hardness Top-quality bricks resist scratches – when you scratch the brick with a sharp tool or fingernail, it should not show any sign of the scratch. Water Absorption A good quality brick absorbs less than 20% water after being immersed in water for 24 hrs. What if the brick absorbs more than this? It means it will also absorb the water from cement mortar during bonding, which will affect the brick bonding strength. This is how you do the water absorption test: (W2 – W1÷ W2) × 100 Homogeneity A good quality brick should be homogenous and compact. Break a brick and examine it, it should be compact and lump-free. Brick earth The brick composition should be free of stones, kankar, and any other impurities. Efflorescence on bricks The soil used for brick manufacturing should be free from sulphate, potassium and sodium. If not, the bricks may dissolve when they come in contact with water and so will not be suitable for construction. Efflorescence is the deposit of sulphate, potassium and sodium salts on the brick surface, usually white in colour. This is how you test for efflorescence. Place five bricks vertically in a flat tray. Pour distilled water into the tray up to a height of 2.5cm. Allow the bricks to absorb the water. Examine the brick after evaporation to check for efflorescence. Analysis of results: A brick is suitable for construction only if efflorescence is slight to moderate. The above test is the most simple and reliable test to check the quality of the brick at the site. Examine the frog of the brick Check the dimensions of the frog on the brick, it should be 100mm x 40mm x 10mm. Any size less than this leads to improper mortar filling. Anything more than the above dimensions will increase the amount of mortar required, making the construction uneconomical. The soundness of the red brick Hold one brick in each hand and strike them against each other. A metallic or ringing sound indicates good bricks. If the brick breaks, it is obviously not suitable for construction. Throw a brick from a height of 1.5m – a good quality brick won’t break when it falls from a height of 1.5m. This simple test can be performed at the site to check the quality of the red bricks. A good quality brick should also be chemically inert and should not react when it comes into contact with other materials. To know more about “‘Tiles For Home And Why They Are Important !“.Click here!
10 Essential Steps for First-Time Home Buyers: Your Ultimate Checklist
Buying your first home is an exciting yet challenging journey that requires careful consideration. Should you prioritize location or space? Understanding financial commitments, from down payments to ongoing costs, is crucial. This guide offers essential tips for first-time homebuyers, including the importance of inspections, negotiating post-inspection, and knowing your loan terms. Whether you’re ready to invest or still deciding, our checklist will help you navigate this milestone confidently and make key decisions for long-term satisfaction in your new home!
