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Why A Brand Name Is Important While Investing In Real Estate

Why A Brand Name Is Important While Investing In Real Estate

October 3, 2018 in Investment

Buying a property is considered one of the biggest financial decisions in every household. A lot of factors influence this decision and one of the key aspects is the brand name. A good brand name is an important factor that you must pay special attention to as it’s not only a matter of dignity and pride but also serves as a measure of the value of the property. Following are some of the reasons why you should opt for a builder who has an impressive repertoire and a strong brand image. Credibility and Expertise While you’re looking to invest in real estate, it’s important to opt for a trusted builder to avoid any sort of foul play. Their dealings are very transparent leaving no chance of financial fraud. On the other hand, chances of the property being built on an undisputed land are high with a lesser renowned builder. There’s also the level of expertise that reputed builders come with. They have a great deal of experience and knowledge about the industry. A branded builder will offer apartments with impeccable facilities and superior aesthetics without compromising on the quality of construction. Delivery on Time When you’re purchasing a property from a reputed builder, you’re most likely to acquire the apartment on time. They make it a point to not disappoint their customers and ensure a timely delivery of apartments no matter what. Moreover, projects developed by reputed builders are all RERA certified. On-time handover is one of the main highlights of the RERA bill, making it even more certain that you will receive the keys to your new home on the promised date. Greater Return on Investment If you’re planning to sell or rent out your apartment, the brand name of the property is going to work in your favour. You are certainly going to enjoy huge revenue from it because the value of the property automatically increases when it comes from a branded builder. Additionally, reputed builders always develop properties in either upcoming localities or well-established areas, with emphasis on good social infrastructure and connectivity. With all these boxes checked, you are guaranteed to enjoy higher ROI. Ease of Home Loan Sanctioning A reputed real estate brand comes with the added benefit of easy loan sanctioning. If you’ve invested in a property that has been developed by one of the leading and most popular builders in the market, then the chances are high that your home loan gets sanctioned without much hassle. Most reputed builders have tie-ups with the prominent banks like ICICI, HDFC, and SBI which drastically reduce any risk of fraud or malpractice. These banks trust the reputed builders and that makes your loan sanctioning process a piece of cake! Avoid making the common mistake of investing in a real estate property developed by a less renowned builder as you might get your hard earned looted. Invest in a property that has established a bond of trust with its prior customers and has earned a good reputation in the market. One such builder is the House of Hiranandani that has been changing the landscape of real estate in India. Our developments stand as proof of superior aesthetics and top-notch quality construction with all the global amenities. Sources: www.zricks.com

How To Invest in Real Estate in India

How To Invest in Real Estate in India

October 1, 2018 in Investment, Real Estate News

We Indians are big-time Real Estate Investors. We look for almost every opportunity, property and schemes to invest our small finances. With our rich history providing enough proof that even kings and kingdoms fought against each other over land and property, real estate seems to be one of the best investment options ever. However, you need to know about every nick and niche related to real estate investment in India before you dive into it to earn profits. So, here are tips and simplified steps to help you invest in the Indian Real Estate Market. 1. Patience is the Key: When you indulge yourself into real estate investment, you need to hold on to your patience more than ever. Stay calm, see the property leisurely and take steps slowly. Never rush into investing your finances without a proper research. 2. Research: Plan and research thoroughly before you invest. Always remember, Real Estate values and profits depend a lot on the city, location, environment and the condition of the infrastructure. Better the location and infrastructure, better will be your profits. A good location includes your direct access to some of the most important amenities of our daily life. For instance, commutation, shops, gardens, market, etc. are all small factors that need to be considered while researching for a property investment in India. 3. Background and Paper Check: One of the most important steps you need to consider when planning to invest in the real estate market is to follow a thorough background check of the property, property owners and its papers. Take help of your legal experts to pull off information about the property and assess the documents for any forgery or issues to avoid controversies and scams. Make sure the property is clean without any legal issues. 4. Check and Compare Rates: Once the previous pointers have been considered and checked, it is time to study and compare the rates of the property. Get the help of evaluators to check the value of the property and the infrastructure to ensure you get a good deal. Cross check the value with other sources to get the best rates. You may also take help from the Local Government for guidance to know about the real value of the property. 5. Calculate your Savings: Evaluate your savings before you plan to go ahead with the investment. Calculating your savings will only help you plan for your loans, the bank interests and hence the risk of your investment. Make sure your pocket allows you to make the investment without any risks to your regular life. 6. Consider all related Risks: Every investment has certain risk factors. Same is the case in the real estate investment market. In India, legal issues and internal land disputes are highly common. Also, it is wise to take help of the city council to check with the city expansion strategies to make sure the property and its location do not intervene with the city's future plans. Consider going through these matters before you make a final decision while investing in the Indian Real Estate. Sources: zricks.com

Supreme Court Construction ban may take toll on Development

Supreme Court Construction ban may take toll on Development

September 28, 2018 in Investment News

The development could grind to a halt in Maharashtra, Madhya Pradesh, Uttarakhand, Chandigarh and elsewhere following a Supreme Court ban on construction in parts of the country, delaying deliveries and hurting property companies and allied industries besides putting people out of work. The real estate industry said it’s being punished for state inaction over solid waste management. “It will choke supply, and impact home seekers. Effectively, home buyers will suffer just because some state governments have not formally notified the policy,” said Niranjan Hiranandani, national president of lobby group National Real Estate Development Council (Naredco).  “The intention behind the order is good from a long-term perspective, but a blanket ban stopping all construction will have a negative impact on housing.”  The SC has banned construction in several states and union territories because they haven’t put in place rules on solid waste management. 

The biggest impact is seen on Maharashtra, home to the high-value property markets of Mumbai and Pune, although the state has prepared a policy on the matter and may, therefore, be able to get relief on this score, developers said.
“The overall annual real estate industry size in India is close to Rs 10 lakh crore, of which close to Rs 1.5 lakh crore to Rs 2 lakh crore is contributed by Maharashtra,” said Pankaj Kapoor, MD, Liases Foras Real Estate Rating & Research. “Over 1,000 allied industries across major sectors such as banking, cement, steel, sanitary, tiles and electrical equipment will be impacted severely if the states do not manage to get this stay vacated soon.”The decision will also have a bearing on the recovering economy and the job market, he said.
Investors seemed to be optimistic, however, as real estate companies mostly shrugged off the news on Monday. Godrej Properties ended up 1.7% at Rs 698.10, HDIL gained 5.5% to Rs 34.55, and Oberoi Realty ended up 3% at Rs 454.95. Indiabulls Real Estate’s shares ended down 3.1% at Rs 149.25.
“The policy for solid waste management is already in place in Maharashtra, even though the same had not been submitted to the concerned authorities,” said Kotak Institutional Equities in a report. If a stay is given in the coming weeks, the impact of the ban won’t be material, analysts said.
“They (Maharashtra) are going to apply for a stay of this order as they are saying they already have a solid waste management policy in place,” said an analyst at a Mumbai-based brokerage. “If Supreme Court gives a stay, there will be no impact. If they don’t get a stay, then they will have to wait for the October 9 hearing.”
Hiranandani said it would have been better if the court had penalised the states and barred new construction while allowing ongoing projects to be completed.According to the court, the states and union territories had not framed any policy under the 2016 Solid Waste Management Rules put into effect by the environment ministry in April 2016.
Experts are hopeful that the matter will be resolved soon, with the concerned state administrations doing what is necessary and the court allowing construction to resume.
Sources: economictimes.indiatimes.com

Important Rules For NRIs Investing In Indian Real Estate

Important Rules For NRIs Investing In Indian Real Estate

September 26, 2018 in Investment, NRI News

Non-resident Indians (NRIs) have been a significant segment of investors, in the Indian real estate market. NRIs generally buy properties in India for investment purposes or out of their emotional connection with their country and for settling back, once they retire.

According to Amit Wadhwani, director of Sai Estate Consultants, India has emerged as a lucrative spot for international capital. “Overseas investments have surged 137 per cent, from USD 3.2 billion during 2011-13 to USD 7.6 billion during 2014-16. According to a survey, almost 30 per cent of the total global real estate transactions in India, will be cross-border,” he adds.
Important FEMA rules that NRIs must keep in mind: In order to attract more foreign investment, the Reserve Bank of India has made the rules simple for NRI investments. Real Estate transactions fall under the purview of the Foreign Exchange Management Act (FEMA). “An NRI or person of Indian origin (PIO), as defined in FEMA, can acquire by way of purchase, any immovable property in India, other than agricultural land/plantation property/farmhouse. This is under a general permit that has been given by the government of India. However, no person being a citizen of Pakistan, Bangladesh, Sri Lanka, Afghanistan, China, Iran, Nepal or Bhutan, shall acquire or transfer immovable property in India, other than lease, not exceeding five years, without prior permission of the Reserve Bank,” explains Amarjit Bakshi, managing director, Central Park. Types Of Properties Where NRIs Can Invest:  An NRI is allowed to invest in both residential and commercial properties in India. However, any agricultural land, farmhouse and plantation property can be owned, only if it is inherited or gifted to the NRI. Financial Transactions By NRIs: When it comes to property transactions in India, NRIs/ PIO can make payments out of:
  • Funds remitted to India through normal banking channel.
  • Funds held in NRE/ FCNR (B) / NRO account maintained in India.
  • No payment can be made either by traveller’s cheque or by foreign currency notes.
  • No payment can be made outside India.
Loan Eligibility For NRIs:  Bakshi elaborates that “Like normal Indian citizens, NRIs/PIOs too can avail of home loans in Indian rupees for their property purchases, up to 80 per cent of the property value, depending upon individual eligibility. Such a loan can be repaid:
  • By way of inward remittance through normal banking channels.
  • By debit to his NRE / FCNR (B) / NRO account.
  • Out of rental income from such property.
  • By the borrower’s close relatives, as defined in Section 6 of the Companies Act, 1956, through their account in India, by crediting the borrower’s loan account.”
How NRIs Are Taxed, For-Profit Earned From Real Estate Investments NRIs can earn returns from their investments in real estate, in the form of rental income and short or long-term gain. Rental Income The rental income earned from a property asset in India falls under the income accrued in India and is taxable, irrespective of residential status. Short-Term Capital Gains Short-term capital gains apply to the profit earned through the sale of a property, within two years of its purchase. The capital gains for such property are calculated as the difference between the sale proceeds and the cost of acquisition. It is taxed as per the applicable slab rate for the NRI. Long-Term Capital Gains Long-term capital gains (applicable when the property is held for more than two years) are taxed at 20 per cent. However, unlike short-term capital gains, the exemption can be claimed under sections 54, 54 F and 54 EC. If an NRI opts for an under-construction property, they may have to give a power of attorney to a trusted associate, for completing the deal. Hiring a lawyer to prepare the document, is also crucial, to ensure that there is no forgery and the investment is secure. Sources: housing.com

Stuck in Selecting the Right Builder? Check these 6 Simple Steps.

Stuck in Selecting the Right Builder? Check these 6 Simple Steps.

September 22, 2018 in Investment News

Selecting the right builder is half the work done while buying a property. However, buyers often tend to overlook this factor as budget and location top of their checklist. However, unless one is a seasoned investor, it is quite easy to fall for the glossy brochures, sweet-sales talks, and snazzy model projects. This is because we often don’t ask the right questions. Can this builder deliver what I want? Has he completed his past projects on time? Does he build a quality product? To assist you in buying, we have made a simple guide that can help you select the right builder.  

  1. Find a builder that matches your preferences:
There are builders who specialize in affordable while some are known for their luxurious abodes. Determining the builders that offer projects that are within your budget can help you make the most of your property deal. Also, figure out how much area you need. Create a budget based on these needs, and search for builders who make in your budget.  
  1. Search for a builder with the right experience:
Search for builders who have experience in the property type you are looking for. Always remember that different builders have different strengths. Choose yours accordingly! How to find one? It’s simple.
  • Check if the projects by the builder are listed with the real estate regulatory authority. Just log in to your respective state’s RERA website and check the list of approved projects.
  • You can also look for ISO-certification, which is usually displayed on builder websites.
  • Check if the project has any ratings such as CRISIL or CARE for added credibility.
  • Another measure of a builder’s reputation is an association with known real Estates bodies like the Confederation of Real Estate Developers Association of India (CREDAI) and the Builder Association of India (BAI). Members of these groups are liable to reply to their association in case of any disputes or complaints.
 
  1. Background and reputation check:
Check for builder reviews and completed projects on popular real estate forums. Additionally, you can also post your queries there. The suggestions and opinions of your friends and relatives should also be considered. Once you are comfortable with all these aspects, you must ask the builder for the sanctioned plan of the project that you are considering. It is recommended that you get this plan and other documents checked by a lawyer before you go ahead and sign on the dotted lines.  
  1. Do your homework:
Get off your couch and visit some of the past projects of the builder. It will give you get a fair idea of the construction quality.  
  1. Pick a builder who makes your life easier:
Always select builders that provide services beyond the project’s completion. For instance, a builder should maintain the project for a few years after completion and then transfer the maintenance to the society elected by the residents. Also, in case you want to sell the project or put it up for rent, the builder should help you connect with potential buyers and tenants.  
  1. Grading system for builders:
In the real estate sector, renowned builders are often termed as ‘A-grade.’ However, this is an unofficial grading structure. While these grades do serve as a tool for buyers, it should not be the sole criteria impacting your decision. Instead, you can check builder ratings in ICRA, an Independent Credit Ratings Agency to get a fair idea. Keep these six points in mind, and you will find the right builder in no time. It is essential to go that extra mile to ensure that you do not fall into the trap of builders who indulge in unfair business practices. Sources: roofandfloor.com

11 Legal Documents That You Should Check Before Buying Any Property

11 Legal Documents That You Should Check Before Buying Any Property

September 19, 2018 in Defination, Investment News, Real Estate News

Property buying can often be messy. Jargons float around and you can be confused with all the legalese. We made it simple for you. Use this handy guide to help you navigate the real estate pitfalls you may encounter while buying a home. While purchasing property, it is essential to check that the following documents are in order:

  • Agreement to sell – It is the first document prepared in anticipation of a sale of the property. It contains a detailed description of the property and states the terms of conditions between the buyer and the seller, including the purchase price as agreed upon.
  • Absolute sale deed and title deed - The sale deed or title deed is the most important document that records the actual transfer of ownership of the property. It needs to be registered at the sub registrar’s office under whose jurisdiction the property would fall.
  • Title search and report – Property title search is a process of retrieving the chain of documents relating to the history of the property that has been registered with the concerned authority. It includes a description of the property and names of title holders, joint tenancy, etc. It is especially important for procuring a home loan.
  • Khata certificate – This document is known by different names in different states and it provides proof that the property has an entry in the local municipal records.
  • Receipt of property tax – The receipts of property tax hold that the previous owner or occupier had paid all the taxes and none have been left as due. They also establish the legal status of the property and therefore serve as an important document of evidence.
  • Encumbrance certificate – An encumbrance certificate states that the property is free from all encumbrances or loans. It is a key document for procuring a loan against property from banks. It has all the details about transactions relating to the property.
  • Occupancy certificate – An occupancy certificate or completion certificate is given by the municipal corporation after the construction of a building to establish that it was constructed according to a sanctioned plan and that it is ready to be occupied.
  • Statement from a bank if loan outstanding – If any loan is outstanding on the property that is being purchased, it is safe to procure the statements relating to the loan so that there is full disclosure in that regard.
  • Non-objection certificates – It is important to ask the developer to produce copies of various NOCs that must be procured from various departments such as the Sewage Board, Pollution Board, Environment Department, Traffic and Coordination Department, etc. This forms the ‘intimation of disapproval’ for the construction of the building.
  • Sanctioned building plan by statutory authority – This is to ensure that the buyers are cautious about any deviations from the sanctioned plan made by the developer.
  • Power of Attorney/s, if any – A Power of Attorney is required in original if any person is acting on the authorization of the owner of the property. It could be general or specific.
Sources:  thehindu.com

Faridabad Metropolitan Development Authority to be set up: Haryana CM

Faridabad Metropolitan Development Authority to be set up: Haryana CM

September 17, 2018 in Investment News, Real Estate News, RERA Update

Haryana chief minister Manohar Lal Khattar, on September 13, 2018, said that since Faridabad is the second-largest city of Haryana after Gurugram, it has been decided to constitute a Faridabad Metropolitan Development Authority (FMDA), on the lines of the Gurugram Metro Development Authority (GMDA). The chief minister made the announcement at a press conference and listed several achievements of the Town and Country Planning Department, the portfolio he holds, in the last four years. He said the government has allowed construction of four-storey residential buildings in the state, the registration of which will be opened from, September 13, 2018. People can now construct a stilt and four floors on their plots. Earlier rules limited construction to a stilt and three floors, within a prescribed height of 15 metres. The new provision has been made in the revised Haryana Building Code 2017. Khattar said the Haryana Building Code 2017 has been framed, in order to remove the variations and bring uniformity in building bye-laws adopted by different development agencies. The chief minister said to address the problem of parking of vehicles in residential areas, a provision for stilt has been made. Apart from this, it has been made mandatory, to provide car bay in every residential plot, he said, adding that use of basement for the residential purpose has also been allowed, provided fire safety, lighting and ventilation provisions are fulfilled. He said a provision for green buildings has been made, under which a building owner is provided with the benefit of additional floor area ratio (FAR) of three to 15 per cent. If the building owner sets up solar photovoltaic plant and solid waste management plant for management of water, electricity and waste, he would be provided with the additional FAR. Khattar also said that the state government had decided to constitute an Appellate Tribunal, to hear the complaints of allottees against the decision of the Haryana Real Estate Regulatory Authority (HRERA) set up to redress the grievances of allottees. The office of the Appellate Tribunal would be set up at Karnal. The chief minister said HRERA had, so far, received 842 complaints, out of which 209 complaints had already been disposed of and the rest would be redressed soon. He also said the Haryana Shehari Vikas Pradhikaran (HSVP), the state’s urban development authority, plans to float nine sectors, including a defence sector exclusively for defence personnel in the state, during the current financial year. These will include three sectors in Mahendergarh and one each in Bhiwani, Yamuna Nagar, Dabwali, Taoru and Pinjore. Apart from this, a defence sector exclusively for defence personnel is likely to be floated at Jhajjar, the chief minister said. Khattar said the HSVP has a plan to float 30,470 plots in 47 residential sectors across the state and a schedule, in this regard, will be issued soon. He also said the metro stations in the Haryana segment, on the Bahadurgarh to Mundka line and the stations on the Mujesar (YMCA Chowk) to Ballabhgarh Metro Corridor, had been renamed. On the Bahadurgarh to Mundka Metro line, the MIE Metro Station had been renamed Pandit Shree Ram Sharma Metro Station; Bus Stand Metro Station as Bahadurgarh City Metro Station; and City Park Metro Station as Brig Hoshiar Singh Metro Station. Sources: housing.com

Real Estate Activity Sees Growth Despite Increase In Construction Cost

Real Estate Activity Sees Growth Despite Increase In Construction Cost

September 14, 2018 in Investment News, Real Estate News, RERA Update

Despite an increase in construction costs, activities in the real estate sector have witnessed growth, according to a report by CBRE, a real estate consulting firm. The report titled ‘India Real Estate - Variance in Construction Costs’ mentioned that the prices of cement have nearly tripled in the last 16 years, while the cost of structural steel more than doubled between April 2005 and November 2017. Despite this, the overall stock of developed real estate in India’s leading urban centres would reach 8.2 billion sq. ft. by 2025, therefore, providing employment to approximately 17 million people across the country. According to the report, out of six leading cities in India (Chennai, Bengaluru, Hyderabad, Pune, Mumbai and Delhi), Mumbai remains the most expensive. Construction costs in Chennai and Bengaluru are almost on par with Delhi and Pune. Variation in costs could be primarily attributed to different demand levels, proximity to supply centres as well as the efficiency of logistics networks across these cities.

“Rising demand for real estate as well as infrastructure development is expected to propel the construction industry towards a growth trajectory. Already, the implementation of GST has impacted the cost of raw materials and streamlined inter-state and import taxes, giving the industry a major boost,” said Anshuman Magazine, Chairman, India and South East Asia, CBRE.
The average cost of construction for a residential apartment in a mid-rise building was pegged at Rs 3,125/sq. ft. in Mumbai, and Rs 2,750/sq. ft. in Delhi and Pune. In Chennai and Bengaluru, the cost was Rs 2,500/sq. ft., while in Hyderabad such an apartment would cost Rs 2,375/sq. ft.
“Construction sector is one of the largest employment generators and has a strong linkage with various industries. We foresee strong growth for the sector over the next five years, owing to a thrust from the real estate and infrastructure sectors. The construction sector has already received a boost in the form of GST which has stabilised prices. Going forward, we foresee technology to play a dominant role," said Gurjot Bhatia, Managing Director-Project Management at CBRE South Asia.
The report also highlighted some of the challenges being faced by the sector. One of the major challenges that the industry needs to overcome is the shortage of qualified contractors who can complete projects within a stipulated time period. Sources: thehindubusinessline.com

Amrapali Group Case: Supreme Court Orders Sale Of Director’s Assets

Amrapali Group Case: Supreme Court Orders Sale Of Director’s Assets

September 12, 2018 in Amrapali News, Gurgaon Investment

The Supreme Court identified 16 estates belonging to beleaguered property developer Amrapali Group to raise funds for stalled projects. The court directed the sale of assets owned by all of the company's directors, their family members and related companies. The case relates to the embattled Amrapali Group which has failed to hand over possession of flats to around 42,000 homebuyers. The property developer has been facing the wrath of the Supreme Court after homebuyers moved the court for not getting their flats delivered on time. Setting September 12 as the next date of hearing in the case, the Supreme Court asked for a list of unencumbered assets of the company's directors. Here are five things to know: 1. National Buildings Construction Corporation (NBCC) will conduct a valuation of the properties belonging to the directors of the Amrapali group, the court ruled on Thursday. State-run construction company NBCC had earlier this week told the Supreme Court that it was ready to undertake projects of the Amrapali Group of companies. 2. On Thursday, the Supreme Court ordered a forensic audit of bank accounts from 2008. In August this year, it had directed the group companies to produce before it details of all the bank accounts since 2008 and ordered the freezing of bank accounts of the directors of its 40 firms, slamming the group for playing "fraud" and "dirty games" with the court. 3. Assuring NBCC of funds to complete 46,575 flats of crisis-hit Amrapali Group at an estimated cost of Rs. 8,500 crore, the court had on Tuesday asked the Amrapali Group to cooperate with the auditors or face sealing of its premises and forensic audit of accounts of all entities including directors, their wives and daughters, according to news agency Press Trust of India. 4. In May, the apex court had spotted diversion of funds to the tune of over Rs. 2,700 crores by the Amrapali Group and sought details of financial transactions made by the company and its statement of accounts. 5. The company had earlier told the top court in an affidavit that it was not in a position to complete the projects and hand over the possession of flats to over 42,000 homebuyers in a time-bound manner. Sources: www.ndtv.com

DLF To Invest In Commercial Projects In Gurugram

DLF To Invest In Commercial Projects In Gurugram

September 10, 2018 in DLF News, Gurgaon Investment, Investment News

Realty major DLF will now invest over Rs 1,400 crore to develop a commercial project in Gurugram after the firm received the green nod to expand the office space by nearly 1 million square feet area. After the Haryana government increased the floor area ration (FAR) under its new TOD (Transit Oriented Development) policy, the DLF applied for the development of increased build-up area in its ongoing Cyber Park project spread over nearly 12 acres. The environment ministry has given the green nod for the DLF's proposed expansion project in Gurugram after taking into account the recommendations of the Expert Appraisal Committee, as per the official document. The approval is subject to the compliance with certain conditions, it added. As per the proposal, the DLF will now invest Rs 1,439.11 crore to develop the Cyber Park project, as against the earlier estimate of Rs 412.67 crore. According to the sources, the company will now get a leasable area of around 2.5 million square feet as against earlier 1.7 million square feet. The construction of this project, which is located close to Cyber City that commands high rental, is in the advanced stage and the company has already pre-leased about 60 per cent of the area, they added. In the proposal, the DLF has informed that the number of parking will increase to 4,425 from 3,542 cars and would generate employment to 35,532 persons. DLF, the country's largest realty firm, is a leading developer of a commercial real estate with a portfolio of over 30 million square feet. To monetise its rent-yielding commercial assets, the DLF promoters have recently sold 33.34 per cent stake in its rental arm DCCDL for about Rs 9,000 crore. The realty major holds the remaining 66.6 per cent. Recently, the company has bought 12 acres of land in Gurugram for Rs 1,500 crore to develop another commercial project. Sources: realty.economictimes.indiatimes.com

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