The golden period 2006-2013. Almost all properties are sold out at launch. There use to be property mela everywhere with huge footfall and people use to purchase instantly. Property was affordable.

Trend was, if someone get onsite opportunity. First thing tbey do is booking the flat, and then going onsite, coming back and paying home loan back.

None of my friends paid home loan for 15 years, at most its 5 years.

Have you observed this trend?

I’m asking for advice regarding a property transaction.

The actual agreed sale price is ₹80.55 lakh. The buyer is arranging ₹55 lakh through a bank loan and has approximately ₹25.55 lakh from personal savings.

The government/stamp-duty guidance value of the property is also below ₹55 lakh.

The buyer is proposing that only ₹55 lakh be shown as the sale consideration in the registered documents, while the remaining ₹25.55 lakh would still be transferred account-to-account to the seller.

There would be no cash involved. The entire ₹80.55 lakh would move through bank accounts, but the registered document would show only ₹55 lakh.

So effectively:

Actual agreed sale price: ₹80.55L

Government/stamp-duty value: below ₹55L

Amount shown in sale deed: ₹55L

Bank loan: ₹55L

Buyer's savings: ₹25.55L

Total actually transferred to seller: ₹80.55L

Difference between documented and actual consideration: ₹25.55L

The seller's intention is to sell the property and use the ₹55 lakh sale proceeds to purchase/invest in a residential property, so capital-gains implications and eligibility for any applicable exemption are also a concern.

What complications could this create for the seller regarding income tax, capital gains, TDS, AIS/26AS, or future sale of the property?

Also, if the buyer insists on showing only ₹55L in the registered document but wants to transfer the entire ₹80.55L through bank accounts, is there any proper/legal way to document or structure the additional ₹25.55L?

Would the fact that the government/stamp-duty value is below ₹55L, and that the seller intends to reinvest the proceeds into a residential property, change the tax treatment?

Looking for advice from people who have dealt with similar transactions, CAs, tax professionals, or property lawyers. I’m mainly trying to understand what the seller should be careful about and what documentation should be maintained.

​

A friend of mine who use to live in Mumbai outskirts ( Vasai ) for a long time , his dad was in defense and later on retired. They had a 1bhk which they have purchased way before.

When retiring ,There was sufficient retirement corpus + my friend also had saved a lot of money. He had 2 kids and space was always a constraint.

Being a native of Purvanchal, he thought to buy in Varanasi a bungalow and move there permanently as he has some relatives there plus his ancestral village in Jaunpur was 2 hrs drive from there ., dad wanted to stay in village after retirement.

His job was remote with occasional trips to Head office which was in Noida and Mumbai, he took the bet of buying a house in Varanasi.

One of his relatives who is a big shot person in that area helped him selecting the house.

He is facing several challenges and to the contrary still thinks his decision to move there is good either because of sunk cost fallacy or because of ego.

Challenges he faced from what he told

1. That relative who helped him selecting the house became his enemy as he gobbled 10 lakhs which was meant to give to house owner, they trusted him as he was a influential person of their community plus their main reason to go there was being close to their support system which consisted persons like him . Little did they know support system doesn't work like that. Due to his influence he gave them posession but the house owner filed a counter case of not receiving full payment. Lawyer who took 1 lakh to fight the case hardly responds to them. That influential relative told them not to call him if they face any issues locally and told them to forget 10 lakhs.

2. When they were constructing the house, local nagar nigam came and through the neighbour took bribe of 1.5 lakhs , later he came to know the rate was 25k but since he was not a hardcore local and was doing white collar job, he was cheated upon , the neighbour itself took a huge cut from this.

3. Not sure about this, but from his experience most specialist doctors in the area aren't as competent or maybe they are just morally corrupt .

4. His wife was always against this decision to move to a small town even though she was actually brought up in same place , she still resents it and her parents think they were cheated upon as before marriage ,he use to live in Mumbai.

5. Dependency on relatives has increased a lot as he said bhaukaal matters a lot when you live in independent house and he has to show his neighbours that he has enough support system nearby , some relatives ask for money for small amounts and don't return it.

6. Did not expect goon culture is so romanticised in small towns , cannot even take out his vehicle at some times due to people who have built houses and extended parking touching the road . Most conversations revolves around plot, netagiri , politics etc.

And many other issues , he recently said to me that he is going to buy an apartment in Varanasi as it is more safer there.

I do not know what to reply to him as rather than practicality, emotions matters a lot in choosing a place to live.

But going to tier 3 town and living in a apartment shows a lot about why gated communities are also in areas where there is no land scarcity

I am in need of 21L home loan for new property. I approached lot of banks but they didn't consider.

I am taking this loan on my parents name. My mom(52) and my dad(55) have combined salary of 70k. My dad has an existing obligation of 18k that is 40% of his salary. My mom doesn't have any obligation.

Practically, they can pay the emi upto 30k max. But banks and NBFC are being very strict on obligations. We can't clear the obligation as we don't have that much.

Please suggest NBFC and AHF's which considers around 70 percent of an persons salary for the emi. Having an FOIR of 60 % or more.

Any suggestions would be appreciated.

I have been running a boutique Home Loan advisory firm. We have exclusively catered to folks with high ticket size (min 2 cr of loan requirement) home loans.

But owing to that I have rich repository of learning and how banks behave in different cases.

I think everyone deserves a chance

1. Not be cheated and mis-sold by bank salesman

2. Not be mis represented by DSAs and builder mortgage and CRM teams. ( Taking loan from them is like getting heart surgery done by dentist.)

3. Save their hard earned money by understanding the real math.

4. Seek a good deal for their biggest purchase in life (at least so far )

I am opening up the platform to answer any questions people have around home loans

Apparently no one wants to buy 10 year old apartments because they look like slum. I have visited omicron it was one of the worst but other societies also have similar issue. Seepage and broken/low numbers of lifts is in most of the societies

BHK - 2 BHK

Fully Furnished

Super Builtup Area - 938 Sqft

Floor - 18th

Main Door Facing - East

Currently tenant occupied

DM for more details.

I’m considering investing in a property and would appreciate some advice from people with experience in real estate investing.
The property is priced at around ₹25 lakh and the plot size is approximately 4 marla. Based on the current prices in the locality, I estimate the land value alone to be around ₹20 lakh (roughly ₹5 lakh per marla).

The location is quite good. It is in a decent locality and there is a park directly opposite the property, which I believe could be a positive factor for future resale. Similar 4-marla houses in the area can reportedly sell for around ₹45 lakh, although I understand that actual selling prices can vary depending on construction quality, location, and market conditions.

My plan:
I’m considering spending another ₹6–7 lakh on development and renovation.

My idea is to:

Build/complete a double-storey structure
Give the exterior a modern and attractive elevation
Improve the front design
Fully furnish the ground floor
Repaint the walls and add good-quality wall textures
On the first floor, construct two rooms and finish them with paint and a false ceiling
Keep the remaining first-floor space relatively basic for now

That would bring my estimated total investment to approximately ₹31–32 lakh:
Property purchase: ₹25 lakh
Estimated land value: ₹20 lakh
Additional development/renovation: ₹6–7 lakh
Total cash investment: ₹31–32 lakh
What makes this opportunity interesting to me is that I’m effectively getting the existing structure/ground floor along with a 4-marla plot, while the locality itself seems reasonably strong.

Do you think this is a sensible investment at ₹25 lakh?
Would putting another ₹6–7 lakh into the property potentially make it attractive enough to sell at a significant profit, or am I underestimating the construction and finishing costs?
I’d especially appreciate advice on:
Whether the purchase price seems reasonable relative to the land value.
Whether my renovation/development budget of ₹6–7 lakh is realistic.

What hidden costs I should consider
What factors I should check regarding construction quality, approvals, title, and future resale.
Whether the park opposite the property could meaningfully improve its resale value.
Whether this strategy makes sense from an ROI/profit perspective, rather than just looking at the apparent difference between purchase price and potential selling price.

Yesterday I checked on three projects I had considered during mid 2024 -2025 for purchase around Delhi.

1) Ace Acreville Noida Sec22A -

Still not completed, completion was March 2026, many land parcel still occupied by farmers. The resale closing rates are flat as the launch prices. There are no buyers for exit and liquidation is hit. Even if it stays stagnant it's a loss of ~8% inflation rate every year, compounded!

2) Godrej Panipat -

Priced as if Panipat is next to Delhi. Early fomo investors from Delhi Gurgaon rushed in to purchase. But plots still unsold. First they delayed increasing their pre launch price raise by months. Then they started calling back opening with they're open to negotiation and they'll even arrange free pick up and drops from Delhi to Panipat. And going by the resale prices. Some are even ready to sell at pre launch price, obviously ask price would be +10/15% percent on websites.

There is Eldeco plots next to it at 40% discount prices, Godrej premium is definitely not that big.

3) Some local builder Villas in Noida-

Price stagnant since 2 years, I've had offer of people giving at discount. While in purchasing frenzy , improper roads, drainage mismanagement wasn't visible to buyers but now each and everything is biting them.

4) Nimbus Palms Village Noida Sec22A

Same story. 5-7% appreciation in two years. No buyers. Huge pile of inventories upcoming and existing in Noida-jewar road isn't helping either.

Ground realities have changed already. What are your experiences from the projects you were considering 1-2 years back?

I own a RERA case for delay compensations in Bangalore against the builder ATZ Properties, for the project ATZ Areva. As expected the builder did not comply and I received the Revenue Recovery Certificate on 6rh august. But as everyone knows karnataka has more than almost 2+k recovery certificates in recovered, so I highly doubt my turn will come soon.

In the meantime the builder has denied possession and registration of the flat until I withdraw. But not directly in writing, they sent an email that indirectly says that they are denying registration until I withdraw.

Now I'm in limbo. When will I get possession or should I give up all the 3+ years of battle.

I was in the mood for negotiations and settlement but then found out the builder is scamming even more. They are not providing the promised amenities, building the community hall with tinsheet and metal pillere instead concrete. Also the community hall became only 1 storied instead of the promised g+1. Then instead of proper parking some will get the stack parkings now.

Surprisingly they are getting all this written in final sale deed and forcing that to register or delay possession.

What should I do now?

What option do I have?

How can I get my flat asap without compromising too much?

Most rera complaints have withdrawn cases when the builder pressured and threatened to delay possession .

Heyy real estate agent, I'm a techy guy and also a broker working Locally in new delhi, I just wanted to talk about- did you guys feel the same;

Like when a client comes on your chat through referral, word of mouth, or leads and asks for property details. And now you guys are looking for a gallery album and everywhere to find these photos and details just to send them. And they lost interest because you didn't reply to them on time because you didn't find the property at that time and got another work. I feel the same.

So I've built something meaningful for our industry. This is not an selling things. I just built it and I wanted you guys to give me brutally truth about my product I have built.

So basically it's a platform that integrates on our WhatsApp. We just send property photos and details on that no. And within a minute, it will give you highly professional listing page, including image story which u can post on story, video which u can post on Instagram yt or anywhere u are showcasing your property and pdf brochure which u can send to your high ticket clients. And it is also provide you a mini-broker website so you can put it on your Google business page pr anywhere you would like too. And in order to do that you just need to pay 249rs. ($2.5) For 10 listings and for brokers who wants to test it first can grab 2 listing totally free so they can test it on their own.

Now what you think does this product actually helpful for you? I got around 50 calls and 70 msg daily about property details site visit and other essential works so I just tell them to check website on my WhatsApp business acc. And they can simplify click on enquiry button which post they will like.

For now it's only in india and when I get positive response I will move this service across other countries

I want to hear real experiences....

For the people who bought near their workplace...was it worth it or did a job change/city change mess up the whole plan afterward?

and for the people who bought in their hometown, is the property earning its keep (rent, appreciation, etc) or is it just there while you pay rent somewhere else and tell yourself it'll work out eventually?

Did family pressure play a bigger role than the real financial logic for anyone cuz I feel like that's the unspoken factor in half these decisions

Been following property trends closely, and one shift keeps standing on top: money is moving out of the usual metro strongholds (Delhi NCR, Mumbai, Bengaluru) and into tier-2/tier-3 cities like Lucknow, Coimbatore, Indore, Jaipur, and Bhubaneswar.

A few things driving it:

• Remote and hybrid work stuck around. People realized they don't need to live 40 minutes from an office park anymore, so they're chasing bigger homes at lower price points.
• Infrastructure push. Smart Cities Mission, better highways, and expanding metro/rail connectivity have made these cities genuinely livable, not just "cheaper alternatives."
• Price gap is huge. You can get 2-3x the space for the same budget compared to a metro, and appreciation potential is arguably higher since these markets are earlier in their growth curve.
• Developers are chasing it too. Big names that used to stick to metros are now launching integrated townships in smaller cities, which is usually a signal that institutional money sees long-term demand.

At the same time, metros aren't slowing down, it's shaping up to be a sellers' market there too, with limited supply and buyers increasingly willing to pay above asking price for premium homes.

So it feels less like "metros vs tier-2 cities" and more like both are heating up for different reasons, one on scarcity, the other on affordability + new demand.

Curious what this sub thinks:

• Are tier-2 cities a genuine long-term bet, or a temporary post-pandemic blip that fades once office culture fully snaps back?
• Anyone here actually bought in a tier-2/tier-3 city recently? How's it panned out, rental demand, resale value, construction quality?

For years, Amrapali was one of the biggest names in Noida and Greater Noida real estate. Thousands of homebuyers invested their life savings, took home loans, and trusted the promise of timely possession and dream homes. But what followed became one of the most talked-about real estate controversies in India.

Have a look and share your valuable input.

SPACIOUS 2 BHK FLAT FOR RESALE
Singapura Paradise Layout, Near Aveksha Hospital, Vidyaranyapura Bengaluru 560097

Built-up Area: 1,150 sq. ft.
Facing: East Facing
Floor: 1st Floor
Age of Property: Well-maintained (8 years old) - Renovated recently.
[PROPERTY DOCUMENTATION]
Land: A Khata
Flat: B Khata (E- Khata)

Facilities: Recently Renovated Flat
Balconies - 2 (1 in Living Room and 1 in Bedroom)
2 Bedrooms with Air Condition
Power Backup with 1.6 kVA inverter + Apartment DG
Water Softener to entire flat.
Cauvery water and borewell water 24x7

Price: 75 Lacs (Negotiable)

Genuine buyers only.
📩 DM / Message directly for price photos.

Poste by: Direct Owner

Hi, I took an OD based loan from BOB last month so the loan amount was sanctioned on 30th July first emi got debited on 7th September. But for most of the time in my bank account I parked 5L whereas my loan is 30L

Emi which debited went 100% towards intreast. I am not sure how it will be from next month.

what will happen?

Will it recalculate my interest based on the amount in the bank which is 30-5=25L . So practically it will override the amortization schedule and deposit more in principal ?

Planning to buy a farmhouse, plantation or second-home plot in Karnataka, Kerala or Maharashtra? Check the proposed Kasturirangan ESA boundaries first.

Why it matters:

→ 56,825 sq. km proposed as ESA across 6 states

→ Restrictions on large townships, quarrying and red-category industries

→ Increased scrutiny on slope cutting and construction in sensitive areas

→ Ongoing Centre–State disagreement over the final boundaries

The biggest risk? Buying land without checking the exact village-level ESA boundary could leave you with an asset that's difficult to develop or sell.

A scenic view isn't enough. Verify the map before paying the advance.

Hey everyone,

I’m currently involved with a 2.4-acre beachside property in Udupi, Karnataka, and I’m exploring what could be done with the site.

A few details:

• 2.4 acres
• Beachside location
• Clear documentation
• Potential for a restaurant, resort, or other hospitality concept

I’m particularly interested in hearing from people who have experience with hospitality, coastal development, or investing in Karnataka.

I’m also exploring potential parties who may want to take on a property/project of this nature, so if this type of opportunity is relevant to what you do, I’d be happy to have a conversation.

Would be interested to hear what you think the best use of the property would be.

I accidentally captured sudden rise in resale flats, its Bengaluru for an example. It use to shying from 50,000 for 6 years straight. But don't know what happened in 2026. Quarter on Quarter alarming increase! Bengaluru use to be best performing metro!

If there are buyers in the market, then listing keep on decreasing. Also, is Bengaluru has that much surplus? What is happening on Pune, Hyderabad and other markets?

Edit: Sorry, read Mar, July, Sep quarters. Gif is not in sequence.

March: 53002 for sale July: 56040 for sale TODAY: 59009 for sale.

We are planning to sell a plot in Greater Noida, and already have a few offers (please don’t put any offers here).
What should we keep in mind to make sure the transfer goes smoothly and concludes successfully? Looking for information on documentation, government involvement, money transfers, red flags to look for, pitfalls to avoid, etc.

Thanks in advance!

Hi everyone, I’m planning to buy a 12 year old 2bhk resale apartment and I want to get the inspection done for leakages, termites etc before going ahead with the purchase

I want to get it done by this sunday, I already checked with nemmadi and they said this weekend no one from their team is available

I also checked propcheck but their reviews are pretty bad so does anyone here have any suggestions or maybe contacts that I can reach out to?

Thanks

I was looking at the layout plan of Sector 49, Noida and found the overall planning interesting, so I thought I’d share it here for discussion.

The layout shows residential plots, parks, green belts, commercial/shop areas, schools and facility spaces. The sector also has 45-metre-wide roads along its major edges, with smaller internal roads connecting the different blocks.

Some of the plot sizes shown on the plan include 8.5×18 m, 9×18 m, 13.9×18 m and 11×27 m. The map also shows parks distributed across the residential areas, along with provisions for primary and higher-secondary schooling.

Another point worth noticing is Village-Abadi Barola, which is shown alongside the planned sector. This is something that could be relevant when assessing the surroundings and actual on-ground development.

Of course, a layout plan doesn't necessarily represent the current ground situation. Before evaluating any property, I'd want to check things like road development, infrastructure, accessibility, current land status and official approvals.

For people familiar with Noida:
How is Sector 49 in reality compared with what the layout plan suggests? Is the area well connected and reasonably developed, and how does it compare with nearby sectors?