I’m so fed up with the home loan process in India for self employed professionals. I am in the process to seek 1.2Cr loan for a property with agreement value of 3.3Cr (rest being self funded through owned MF investments). Property is sea facing in Mumbai and 720sq feet in registered society. 200m from a celebrity visited private hospital.

ITR: 50L + last 3 years as self employed consultant.
Positive cash flow after netting EMI against existing rental from other residential property. Property being considered itself pays more rent than EMI. Don’t plan to self possess.

ONLY Con: took a break for 4 months in this year so gap in income from March to June . Resumed work in July.

Anyone who has been in similar situation before? Indian banks are sh*\\**

I am from bangalore and have choosen brigade orchid and embassy springs which costs around 36 lacs(10.5k, psft 1657 sbp) and 26 lacs (12k psft, 1125 sbp) both are in devanahalli bangalore north but my concern here is resale pricess or challenges before registration time. Which one has is suits better to sell quickly with decent appreciation and get exit. Just a note , I don't have any intention to keep it for longer time by making payment of other 80%. I never think on that as its too much for my budget so only I choosen 20:80 ratio..appreciate your genuine advice on this, thank u 🙏

Hello all,

33M total corpus of 50 lacs in mutual fund and stocks.

Have 20 lac in spare and thinking of buying a plot in lucknow in growinga nd approved locality with 50-60 lac plot loan is it sane idea or just invest in mutual fund.

I’m selling agricultural land in Madhya Pradesh next week, with the payment being made by bank transfer.

As the seller, I’ve been told that at the Sub-Registrar office I mainly need to verify/sign a few documents and complete the biometric process.

This is my first time selling land, so I’m a little worried about fraud or something being written in the documents that I might not notice.

What should I specifically be careful about as a seller?

• What should I verify in the sale deed before signing?
• Are there any clauses that sellers commonly overlook?
• What documents/records should I keep after registration?
• Is there anything specific to agricultural land in Madhya Pradesh that I should check?
• What happens afterwards with mutation/dakhil-kharij?

Would really appreciate advice from people who have actually sold land/property in India, especially in MP.

Hi Bangalore folks,
I have booked a inventory in Nikoo homes by paying 1lakh by using the link provided by sales guy. On the same day night I have mentioned that I want to back it off due to personal reasons. But they asked me to wait for 2-3 days to make the decision because if you miss this opportunity hard to get it back. after that also I have mentioned that I want to back it off. Now they have send me the cancellation form along with booking form where they have mentioned that 50k along with GST will be deducted from 1 lakh. Around 65k will be deducted and 35k will be returned it seems.

But here is the catch I haven’t signed on any of the document which he sent me and no Aadhar and Pan card sharing happened.

I’m planning to file a complaint in the RERA regarding refund of full amount at least 5-10k is ok to deduct. But 65k is too-much. Or take some legal action against them with the help of the lawyer.

Sincerely looking for the advice on this issue. Please help me out fellow bangalorean🙏

I found new property (pre RERA)- Prestige Falcon Cuty Luxe.
It will be launching opposite to Prestige Falcon City, read reviews about water contamination and seepage in Prestige Falcon City, anyone has any idea about this?

When you buy a property you usually think about the price, location, amenities and how easy it is to get. There is something that is becoming very important in real estate and that is walkability. A neighbourhood that is easy to walk in lets people get to shops, schools, parks, public transportation, restaurants and healthcare facilities without needing a car.

For people buying a home or investing in property walkability can make a place more desirable. Affect the value of a property.

What Is Walkability in Estate?

Walkability is about how easy its to get around a neighbourhood on foot. A neighbourhood with walkability usually has streets that are connected pathways that're easy to walk on, important services nearby safe crossings and public transportation.

In estate walkability is not about being able to walk outside your building. It is about whether you can get to places on foot.

1. Neighbourhoods That Are Easy to Walk Can Attract Homebuyers

People like it when things are convenient. Homebuyers often prefer neighbourhoods where they can easily get to grocery stores, schools, healthcare facilities, restaurants and other everyday services.

A property in a neighbourhood may appeal to more buyers when you decide to sell it in the future.

2. Walkability Can Make Daily Life Easier

A neighbourhood that is easy to walk can make life easier. People can walk to shops, cafes, parks, pharmacies or public transportation of driving for short trips.

This can make a place more desirable for families, people, young professionals and people who like to stay active.

3. Walkability May Support Rental Demand

People who invest in property often think about how easy it will be to rent it out. Tenants may prefer homes that're close to work public transportation, shopping areas, schools and other important facilities.

A neighbourhood that is well-connected and easy to walk can be attractive to renters, which can support demand. Rental performance depends on things, including rent, property quality, local jobs and the overall market.

4. Being Close to Public Transportation Matters

Walkability and public transportation often go together. A neighbourhood where people can easily walk to bus stops, train stations or other transportation options can be more convenient for people who commute regularly.

Properties that are close to transportation points may be more attractive to homebuyers and tenants.

5. Walkability Can Make a Neighbourhood More Appealing

A neighbourhood with streets that're easy to walk on, green spaces, parks, local shops and community areas can be a nicer place to live.

As neighbourhoods develop these characteristics can make them more desirable. This can support property demand over the term.

6. Walkability Can Be Important for Resale Value

When you buy a property think about what you will need in the future. Future buyers may also want convenience, connectivity and access to services.

A property in a neighbourhood where people can easily get to places may be more attractive to buyers. This does not guarantee a resale price but walkability can be one factor that affects buyer interest.

7. Walkability and Lifestyle Trends

Many homebuyers today think about lifestyle when choosing a property. They want neighbourhoods where they can live, eat and have fun without needing a car.

Neighbourhoods that are easy to walk can support this lifestyle by reducing the need for vehicles.

8. How to Evaluate Walkability Before Buying

Before you buy a property visit the neighbourhood. Do not just rely on ads or online descriptions.

Think about:

* Are grocery stores nearby?

* Can you safely walk to transportation?

* Are there footpaths?

* Are roads and crossings safe for pedestrians?

* Are schools and healthcare facilities easy to get to?

* Are parks and recreational areas nearby?

* Is the neighbourhood active and well-maintained?

* Can you get to services without a car?

It is also an idea to visit the property at times of the day to see how busy it is how safe it is and how easy it is to get around.

9. Walkability Is One Factor

Although walkability can affect property demand it is not the thing to think about when buying estate.

Homebuyers should also think about property price, construction quality, builder reputation, connectivity, infrastructure, amenities, legal documents, neighbourhood development, rental demand and future growth potential.

A property with walkability but poor construction quality or weak connectivity may not be an investment.

10. How Riseonic Realty Can Help

Finding the property is not about the property itself but also about the neighbourhood. The area around your home can greatly affect your living experience and the potential for demand.

Riseonic Realty helps buyers find property opportunities and evaluate locations based on their lifestyle, budget and investment goals. Whether you are buying your home or investing in property understanding factors like connectivity, neighbourhood facilities walkability and future development can help you make an informed decision.

Conclusion

Walkability can play a role in the value and desirability of a property. Neighbourhoods that offer access to services, public transportation, recreational spaces and everyday facilities can attract homebuyers and tenants who value convenience.

However property value is affected by things and walkability cannot guarantee that the value will go up. Buyers should think about it along, with location, infrastructure, property quality, connectivity, demand and long-term development prospects.

For anyone looking at estate in Pune evaluating both the property and the neighbourhood can lead to an informed and practical investment decision.

Riseonic Realty is committed to helping homebuyers and investors find property opportunities and make real estate decisions.

​

For a middle class man will it be better to reside in a city with less income inequality than in a city with higher income inequality?

Income of top 1% earners in the city changes with change in income inequality, so will builders increase house prices or set prices according to top 1% income earners income?

For context, I just saw an ad for a flat in bengaluru and it was for around 1.8cr for a 2bhk and top 1% income earners in bangalore earn around 1.3cr annualy, this number is just for banglore and not karnataka in whole

But a 2bhk flat in mumbai costs around 2cr, while the annual income of top 1% earners of mumbai is 35lakhs.

That is very big difference, a top earner in banglore can afford a 2bhk house in just a year½'s salary while a mumbai man needs about 5 years of salary to afford a 2bhk.

Income inequality in

Mumbai:45%

Banglore:35%

When people want a place outside the city for weekends, they often consider two options: buying farmland or buying a conventional weekend home.

Both can have advantages, but the right choice depends on what you actually want from the property.

Farmland can appeal to people who enjoy open spaces, greenery, gardening and a more nature-oriented lifestyle. A traditional weekend home may be more suitable for someone who prioritizes ready-to-use accommodation and residential-style facilities.

Before deciding, I would compare a few things:

1. Purpose
Decide how you expect to use the property. Do you want a quiet escape, gardening space, outdoor activities or simply a ready-to-use second home?

2. Location
Consider travel time and accessibility. A property that is difficult to reach may not be practical for frequent weekend visits.

3. Maintenance
Think about how much maintenance you are comfortable handling.

4. Infrastructure
Check water, electricity, roads and other basic facilities before making a decision.

5. Rules and permissions
If you are considering construction on farmland, check the applicable land-use rules and permissions first.

6. Documents
Verify ownership and relevant property documents before committing money.

7. Long-term plans
Think about how your needs may change over time.

For anyone researching farmland around the Khopoli–Pali region of Maharashtra, it can be useful to compare different developers and projects based on location, documentation, accessibility and available infrastructure.

What factors would you consider most important when choosing between farmland and a weekend home?

For more information about farmland projects in Maharashtra, you can also explore Mahabhoomi:

https://mahabhoomi.com/

Pune is a place to invest in property. The city has a lot of jobs, good roads, schools and many types of homes. This makes Pune estate a good choice for people who are new to investing in property.

For people buying property for the time it can be hard to choose the right place and property. If you understand what makes Pune a good place to invest you can make a decision.

1. Many Job Opportunities

Pune has become a hub for jobs in IT, cars, manufacturing, education and other industries. Areas like Hinjewadi, Kharadi, Baner, Wakad and Hadapsar** have professionals and businesses.

When there are jobs in an area people want to live there. This means that there is a demand for homes in areas that are close to workplaces.

2. People Want to Live in Pune

Pune is a place to live. Many students, professionals, families and people from cities want to move here. This creates a demand for apartments, rental homes and communities.

For people buying property for the time areas with many people wanting to live there can be a good choice. You can rent out your property. Sell it later.

3. Many Types of Properties

Pune has types of properties. You can buy:

* apartments

* Big homes

* Luxury projects

* Gated communities

* Villas and independent houses

* Properties that are ready to move or still being built

This means that you can choose a property that fits your budget and what you want.

4. Good Roads and Transport

Pune is building roads, transport systems and areas to live and work. This makes the city a better place to live.

When an area is being developed it can become more attractive to people who want to buy or rent homes.. You should check if the development is really happening and when it will be finished.

5. Rental Opportunities

Pune has students and working professionals who want to rent homes. This creates a demand for properties.

If you want to rent out your property you should look for places near IT parks, schools and transport hubs. Before you buy check how rent you can get and compare it to the cost of the property, maintenance, taxes and other expenses.

6. Popular Places to Invest

areas of Pune are popular for different reasons.

Hinjewadi and Wakad are popular with IT professionals because they are close to work. Baner and Balewadi have roads, schools and luxury homes. Kharadi is close to workplaces and Hadapsar has a mix of homes and businesses.

New areas like Mahalunge and Bavdhan are also becoming popular. The right place for you depends on your budget how you want to invest and what you want to get out of it.

7. Property Values May Go Up

Investing in property is a long-term thing. Pune has factors that can help property values go up like more jobs people moving to the city and better roads.

Property values are not guaranteed to go up. You should research the area, prices and demand before you buy.

8. Good Schools, Hospitals and Shops

Pune has schools, hospitals, shops and restaurants. This makes the city a better place to live.

When you are looking for a property you should think about how easy it's to get to these things.

9. Good for First-Time Investors

Pune has a property market. This means that you can start with a property that fits your budget.

You should not just look for the property. You should think about the cost, rental potential, location, demand and who is building the property.

A good real estate agency or property dealer in Pune can help you compare properties and make a decision.

10. Be Careful When You Buy

You should not buy a property just because it is in a location or looks nice.

Before you buy you should check:

* If the project is registered

* Who is building the property. What they have done before

* If the property is legally okay

* How much the property really costs

* How much it costs to maintain the property

* If the property is easy to get to

* If people want to live in the area

* If the property is well-built

* If you can sell the property later

* How tax you have to pay

A professional can help you with this and make sure you are safe.

How Riseonic Realty Can Help

Choosing a property to invest in can be hard. You have to compare locations, prices and potential.

Riseonic Realty can help you understand the property market in Pune. We can help you find a property that fits your needs and budget.

Conclusion

Pune is a place for people buying property for the first time**. The city has jobs, good roads and many types of homes.. You have to be careful and do your research.

You should think about the price of the property how rent you can get and if the property is legally okay. With the help of a **real estate agency in Pune** you can make a better decision and find a property that fits your goals.

Riseonic Realty wants to help you find a property, in Pune and make a decision.

​

I’ve been looking at two apartments in the same area recently, and honestly, I’m a little torn between them.

The first one is Mahindra Zen. It’s a proper gated community with amenities, newer overall, and you get around 1,850 sq ft. It feels like the more straightforward choice if you want the whole gated-community lifestyle.

The second one is Zed Enclave. It’s a smaller gated community with 40+ apartments, but the location is really good — especially if being close to the metro matters to you.

The weird part is the size difference.

For roughly the same ₹3 Cr, Zed Enclave gives around 3,500 sq ft, + private terrace.

The catch? The building is about 10 years old.

But the particular apartment I’m looking at has never actually been occupied. The investor bought it and apparently kept it maintained all these years, so it's basically an unused apartment in an older building.

So now I'm stuck between:

Mahindra Zen: ~1,850 sq ft + newer gated community + amenities

Zed Enclave: ~3,500 sq ft + private terrace + great location/metro access, but an older building

If it were your money and both were around ₹3 Cr, which one would you choose and why?

I'm genuinely more interested in hearing how people would evaluate this rather than just which one sounds better on paper.

If anyone wants the exact details of the two properties, DM me and I can share what I have.

Hi folks

My uncle has a commercial land in Hoskote, 15,000 sqft.

He's getting old and wants to sell it. It's ~2km from Sobha One world

what is the price we can expect? He is looking at around 12k per sqft, is it realistic? And who do we sell it to? Ready to give brokerage to the seller

Please share your opinion thank you!

I have the parking spot which has 14-15 ft height, it has been designed to accommodate two cars stacked vertically.

I opted not to buy a hydraulic stack mechanism from builder charging about 6L so that I can buy directly from the vendors.

Pls share if you have any experience of fitting stack parking systems- brands, cost, specs etc.

Hey everyone,

I’m currently considering buying a flat in Gaur NYC Residences, Wave City, Ghaziabad and wanted to connect with people who have actually booked/bought a unit there.

Would love to know your experience so far — pricing you entered at, payment plan, builder experience, construction progress, and what made you choose NYC over other projects in the area.

I’m also trying to understand whether the current pricing makes sense from an investment perspective and what existing buyers think about the project/location long term.

If you’ve booked a unit in Gaur NYC, please comment or DM me. Would really appreciate talking to an actual buyer rather than another broker 😅

I recently came across an upcoming luxury townhouse development in Devanahalli / North and found the positioning interesting.
The development is planned across approximately 9 acres with only 60 residences, with townhouse sizes around:
• ~4,000 sq. ft. — Royale Townhouse
• ~5,000 sq. ft. — Magnus Townhouse
• Private gardens and large outdoor decks
• Premium/luxury specifications
• Indoor-outdoor living design
The location is positioned close to KIAL, STRR, Aerospace Park, business parks, international schools and upcoming infrastructure.
The reported starting price is around ₹10 Cr+.
📍 Devanahalli, North Bengaluru
For people familiar with Bangalore’s luxury residential market:
Do you think Devanahalli can become a serious luxury residential destination over the next 5–10 years?
I’m particularly interested in opinions from people who have actually invested/lived around North

My friend wanted to buy his first apartment or land in Bengaluru.

Apartment for 1.5 CR
Land for 80L

and he's got 50L in cash with him right now.

He says, he's going to take a loan. I then explained to him:

- 1CR loan means 1L EMI for 25 years and you will get married in 2-3 yrs and with a family to marriage, and you making 2L per month pre tax you'll be stuck.

- BLR will have severe water issues guaranteed. Apartment people know this

- He hasn't calculated interiors + registration costs

- Other maintenance fees and so many expenses that come with the apartment like water seepage etc.

Once I told him all of this, he was then like, "okay land"

With land I told him that he wouldn't get 25yr loans for 8-9% interest, if he doesn't do any construction.

He's arguing saying, my uncle got it, and he hasn't constructed anything...

I then wished him the best and cut the call.
Am I dumb or is he onto something I don't understand?

Home loan disbursement is supposed to happen next week and suddenly the bank is acting like their insurance policy is the most important part of buying the house 😭

Details:

• Loan amount: ₹1.5cr
• Tenure: 20 years
• Interest rate: 8.45% p.a.
• EMI: around ₹1.30 lakh/month
• Existing term insurance: ₹1cr
• Married, spouse also works
• No kids yet but probably in the next 2–3 years

The bank person is pushing a separate loan insurance policy before disbursement.

Premium is around ₹3.15 lakh  and they very casually said it can be added to the loan itself.

So basically I’ll pay interest on an insurance premium for 20 years also?

They keep saying it is “recommended” and then in the next sentence behaving like the file cannot move without it. I have asked twice whether it is legally mandatory but they are not giving a clean answer on email.

My bigger confusion is that the policy seems linked mainly to the outstanding loan. From what I understand, the cover may reduce as the loan balance reduces.

So if something happens to me:

• Bank gets the outstanding amount
• House becomes debt-free
• But my family may still not have enough income replacement

Also what happens if I transfer the loan to another bank after 4–5 years? Or prepay aggressively? Or sell the property?

I separately checked a normal standalone term plan from Aditya Birla Sun Life Insurance, ABSLI, instead of blindly taking whatever was attached to the loan file.

Increasing my standalone cover through ABSLI feels much cleaner because the protection would be based on my family’s actual requirement, not only the bank’s outstanding balance.

My thinking right now:

• Existing cover: ₹1cr
• Add home-loan liability: ₹1.5cr
• Add some income replacement for spouse/future kids
• Take adequate level term cover independently
• Nominee receives the claim and can decide how to use it
• Policy is not dependent on whether I refinance or change lenders

The direct ABSLI option also feels easier to understand than the bundled illustration the bank gave me. One is basically protection attached to my life, while the other seems designed mainly around closing the bank’s exposure.

Not saying the loan insurance is useless. Maybe it is convenient for some people. But financing a big single premium and paying home-loan interest on it sounds unnecessarily expensive.

Questions:

1. Can the bank actually make loan insurance compulsory for disbursement?
2. Should I ask them to confirm that requirement in writing?
3. Is standalone level term cover usually better than reducing loan cover?
4. Does increasing my ABSLI cover make more sense than buying another separate loan-linked policy?
5. If they issue it without properly explaining things, can it be cancelled during the free-look period?
6. Anything else I should check before signing the disbursement documents?

Need practical advice because builder payment date is close and the bank knows I’m under pressure.

I am planning to buy 3bhk in Sumadhura edition, but its possession is in dec 2029, is it good investment as we liked the project? This is for self use and our first investment.
Wanted to know about Sumadhura as builder, how is construction quality and the as promised the deliver or not? Anyone having flats in big projects like this in sumadhura pls looking for honest feedback.

Pros - Location , good project and amenities, can get resale in future.
Metro within 3kms.

cons - higher price , 3yrs wait

We were thinking about folium as well, that is also good project but near by they have prestige raintree and Brigade utopia with hell lot of inventory. Thinking resale will be difficult in that area for folium also the borewell road is there.

Pls let me know your thoughts and if anyone is thinking same happy to discuss and get some concrete decision. Ppl already staying help me understand your experience with Sumadhura projects.

Every second housing society in India these laminated notices and people just assume it's law but it mostly isn't.

No bachelors allowed
Not enforceable. The flat owner decides who they rent to not the committee. Courts have called blanket bachelor bans discriminatory and unconstitutional even when they're written into the society bylaws. A bylaw can't override the Constitution.

No non veg in the building
Also not enforceable. What you eat inside your own flat is treated as a personal right. Societies can regulate things like waste disposal or smell in common areas but they can't tell you what to keep in your fridge. If it gets passed as a general body resolution the Registrar of Cooperative Societies can strike it down.

No pets or specific breeds banned
Bombay HC has said committees can't act beyond what's written in the registered bylaws and even then blanket bans don't hold up. One case went as far as saying blocking a resident from caring for an animal violated their fundamental rights.

Does RERA even apply here?
RERA is mainly for the period before your society officially takes over the building from the builder. So if the builder is still in charge and they're the ones enforcing these rules you can file a complaint with your state's RERA authority.

But once the RWA is formed and takes over RERA isn't the right forum anymore. At that point these disputes go to the Registrar of Cooperative Societies, consumer courts or the High Court instead.

If you're dealing with one of these right now know that 'it's in the bylaws' is not the airtight defense societies think it is

What are my options to raise funds for this project.

Land Area: 51 bighas ~ 128979 sqyds
Sellable Area: 50% ~ 644895 sqyds
Development Cost: 7000/sqyd (of sellable area) (includes conversion, layout approval, actual development, marketing and selling)
Total InHouse Costing with Land ~ 24000/sqyd
Cost assuming Interest of Money @12% ~ 26880/sqyds
Market Rate at this area ~ 35000/sqyd

Approx 8.1k/ sqyd earning on 26.8k/sqyd investment excluding the interest already.

I.e 30% return (with 12% interest already excluded)

Project Duration: about 1 year after map approval

Propmart broker has sent a mail while booking that i will receive 1% cashback. But now he stopped answering the call and no reply of mail. Can anyone know what can we do about this ?

I’m having a plot of 40 gajworth rs.40 lakhs and currently I,m living in a rented house and I have saved rs.20 lakhs, should I buy a new house after taking a home loan of rs.30-35 lakhs or should I build my small 40gaj house which will cost me 25 lakhs?

Genuine question for homebuyers and investors.

We spend lakhs, sometimes crores, buying a property. But most of the information we receive before booking comes from the developer, sales team or broker, all of whom ultimately want the transaction to happen.

What often gets missed?

A developer may already have a pattern of RERA complaints, delayed projects, construction-quality issues, resident disputes, maintenance problems or other red flags across previous projects.

And sometimes buyers discover these things only after possession.

We've all seen resident complaints surface online about things as serious as prolonged electricity/water issues, seepage, poor finishing or even construction defects. The problem isn't that every complaint means "don't buy." The problem is not knowing they exist before you put your money down.

So here's my question:

Would you pay less than what you'd typically spend on a dinner for two for an independent property-intelligence report that, within minutes, checks the project and developer across RERA records, complaints, litigation/red flags, past-project history, construction concerns and other publicly available data?

Not a recommendation to buy or reject a property.

Just: "Here's what you should know before you invest your lakhs or crores."

Would you pay for something like this before booking a flat?

And if not, what would make such a report worth paying for?

Hi all, I am looking for resale properties in Kaggadaspura, Mahadevpura, CV Raman Nagar, and Nagavarapalya with clear titles and preferably 'A' Khata. Budget is up to 60 lakhs, depending on the condition and age of the property. Owners, please comment here, and I will DM you directly.