Browsing: Finance

Finance Time The market, Afford The Market, Market Affordability, Property Affordability, Real Estate Affordability, Stocks & Real Estate, Asset Class Cycle, India Real Estate News, Indian Realty News, Real Estate News India, Indian Property market News, Best Property Portal, Best Real Estate Website, Real Estate Journalists, Property Journalists
Trying to time the market; first afford the market

Stock market correction is generally perceived to be the time for fresh entry or buying more stocks. Right? It is not only seasonerd investors but even the immatures ones also try best to time the market. Timing the market is basically making an assessment as to when the market is at its lowest point and is poised for a turnaround. It is a different matter that market has always rewarded those who spend long time in the market rather than trying to time the market.

Read More
Finance Circle Rate, Land Prices, Land Circle Rate, Property Guidance Value, Ready Reckoner Rates, Collectorate Rates, Real Estate Black Money, Property Black Money, India Real Estate News, Indian Realty News, Real Estate News India, Indian Property Market News, Best Property Portal, Best Real Estate Website, Real Estate Journalists, Property Journalists
Can India rationalize land circle rates?

The real issue here is not desire to pay in cash but Triple Taxation in real estate purchase. Suppose a home buyer has INR 1 crore as earned money with him. Now it goes without saying that one must have paid 30% tax over this amount, if it is a bankable transaction. But for him Double and Triple Taxation in home purchase is 5% GST and 7% Stamp Duty. If there is a difference between Circle Rate and Fair Market Price, one would pay some amount, say INR 20 lakh in cash. Mind you! This is not Black Money but his Hard-Earned and Taxed Money but by paying INR 20 lakh as cash one is saving 5% GST and 7% Stamp Duty. So, a cash transaction of INR 20 lakhs saves him INR 2.40 lakhs. That is the whole game why everyone loves cash in the business of real estate.

Read More
Finance Language of Money, Money Language, Money Management, Money Rules, Personal Finance, Financial Knowledge, Financial Wisdom, Money Management Tips, Personal Finance Tips, India Real Estate News, Indian Realty News, Real Estate News India, Indian Property Market News, Best Property Portal, Best Real Estate Website, Real Estate Journalists, Property Journalists
Money myths & realities of Indians

With a predominant demography that grew up without money, the very subject of money is interlinked to the deep-rooted anxiety and insecurity of Indians. This is why a vast majority of us more often than fail to differentiate between saving & investing. For us, saving money is eqaul to investments, and safety & cushion of money is at the top of the mind. The fact of the matter is that saving gives the returns at a base rate that is lower than the inflation rate. This erodes the purchase power of money. A bank Fixed Deposit (FD) of INR 1 lakh might look fancy at INR1.7 lakh next year, but the appreciated amount can not purchase today what you could have purchased with that amount last year.

Read More
Finance Home Loan, Housing Loan, Home Loan Eligibility, Home Loan EMI, Home Loan Leverage, Home Loan Liability, Loan Leverage & Liability, Property Loan, Home Loan EMI, Home Loan Calculator, India Real Estate News, Indian Realty News, Real Estate News India, Indian Property Market News, Best Property Portal, Best Real Estate Website, Real Estate Journalists, Property Journalists
Is home loan leverage or liability?

One question that I am asked at various forum is that whether one should buy a house on loan. Of course, this has reference to my public view across media spectrum that a home loan is more often than not liability and not leverage in India. I must admit here that seeking an answer to this question, most of the people asking this are already having an opinion on this. All that they need is a confirmation bias; something that they could justify to self and others with a statement of confirmation. Someone who understands the world of real estate and finance also said this. Right?

Read More
Finance Income Tax, Income Tax Rebate, Income Tax Exemption, 12 Lakh Income Tax, Income Tax & Home Buyer, India's Consumption, India Real Estate News, Indian Realty News, Real Estate News India, Property Market News, Best Property News Portal, Best Real Estate News Website, Real Estate Journalists, Property Journalists
Income Tax rebate up to INR 12 lakh leading to home buying?

Union Budget has been a hit in terms of the PR & headlines management. But it has largely failed to address the concerns of the Indian middle class reeling under hyper-inflation, lower wage growth, rising property prices, depleting domestic savings and increasing household debt. To make them believe that the Income Tax exemption limit of INR 12 lakhs has qualified them to buy a house is only adding insult to their injury. China with more or less similar challenges and as large demography has weathered this challenge in a far more structured manner, after the Covid crisis. The question is whether we are ready to learn the art of managing economy from the neighboring country with bigger economy, GDP and Per Capita Income?

Read More
Finance Realty Stocks, Real Estate Stocks, Real Estate Shares, Nifty Realty, Sensex Realty, Nifty Realty Index
Intrinsic value of a real estate stock subject to interpretation

There is no denying that the real estate stocks have always been high in demand for investors. After all, in a housing deficient country like India it has to constantly grow. Isn’t it? However, what is often intriguing is that some of the real estate stocks have much higher price point, compared to the industry peers with similar fundamentals, including the EPS and PE ratio. This raises a fundamental question as to what determines the price of the real estate stocks.

Read More
Finance Union. Budget, Finance Minister, Nirmala Sitaraman, Realty & Budget, Budget Wish List, Budget Expectations
Realty stakeholders hail Union Budget despite unmet expectations

The Union Budget 2023-24 has by and large ignored the long standing and some immediate concerns (even needs than wants) of the Indian real estate sector. The Finance Minister has not only ignored the supply side of the business, but also didn’t bother to address the demand side, that is the home buyers. Ironically, the leading voices of the sector are still happy with some of the intangible gains even though tangible benefits are non-existent. 

Read More
Finance Union Budget 2023-24, Finance Minister, Nirmala Sitharaman, Budget & Real Estate, Budget for Home Buyers, Budget Wish List
Union Budget 2023-24 disappoints real estate

The Union Budget 2023-24 has offered more intangible benefits than tangible gains for the real estate sector. It is hence no surprise that while the average home buyers got busy in their tax calculations immediately after the Finance Minister’s budget speech, the industry stakeholders have by and large given a thumbs up to the budget. A Track2Realty report.

Read More
Finance Union Budget 2022-23, Union Budget, Budget Wish List, Real Estate Budget Wish List, Budget & Real Estate, Aditya Kushwaha, Axis Ecorp, Pradeep Agrawal, Signature Global, Amit Goenka, Nisus Finance
Sector parroting old demands; Union Budget expected to make political statement

The Union Budget this time would be the last full budget ahead of the General Elections due next year. The real estate sector is yet again parroting the old demands, with the only difference being that the concerns of the home buyers too finds a place in their wish list. The developers have come to realise that the home buyers can no longer be ignored as they are the most necessary in the real estate business cycle.

Read More
Finance GST Tax, GST Real Estate, India Real Estate News, Indian Property News, Real Estate Taxes, Under Construction GST
GST to dampen rental housing market

Ramneek Patel, an MNC executive in Gurugram is on a company leased accommodation and the HR is deducting INR 40,000 per month for his rented apartment. Now that the Goods & Service Tax (GST) has been imposed for rental residential units to companies, he has been told by the company that the said liability will be passed on to the employees living in company leased apartments. They can otherwise find an apartment on their own.

Read More
1 2 3 … 42