How to PLAN and BUY a HOUSE in India? EMIs, loans, build vs buy, construction quality?

Рет қаралды 340,595

Жыл бұрын

►My new stock market course starts in October 2022 [SEATS FILLING FAST]. Read all the details here:
wisdomhatch.com/finance/
______________________________________
Should you invest in real estate in India?
If yes, then how?
- Buy a flat or commercial property?
- Buy from a builder or construct your own house?
I cover all these [and more doubts] regarding real estate in this video. Do watch it till the end :)
*******
Sign up for my Newsletter ► www.wisdomhatch.com/newsletter/
Linkedin► / akshatshrivastavainsead
Twitter► / akshat_world
Instagram► / akshat.world
Telegram► t.me/akshatshrivastava
*********
Attributions:
Stock videos from Pixabay and Pexels
Logos: Wikipedia Commons
Video Editor: Vallabh Salgaonkar

Пікірлер: 413

@AkshatZayn Жыл бұрын

►My new stock market course starts in October 2022 [SEATS FILLING FAST]. Read all the details here: wisdomhatch.com/finance/

@gauravsuri1732 Жыл бұрын

I already having a mutual fund portfolio getting good returns but want to get reviews by an expert like you. I started in 2018 mid year and till date investing and using SIP way. Need to get it checked as how much I would accumulate by 2028/2030 maximum. Investing around 40K PM. One more thing I am having some equity shares in my Demat Account and need to get reviewed also. I have invested decent amount in it. I want to make a nice equity portfolio from Long term perspective around at least 4 to 6 Years.

@drbh6331 Жыл бұрын

you haven't counted in mid-tire towns. I'm staying in town here if you build a house it costs you around 40 lakhs to 41 lakhs for building 7 - 1bhk and plot costs another 20 lakhs which gives a rent of 5.5 thousand rs every month .5.5*7 which is quite less than the interest I pays. I found it is better to build houses in towns where industries existed near the towns than buying the flats in cities which we doesn't own

@mayur_mehta5629 Жыл бұрын

@@gauravsuri1732 pp

@robinghosh8397 Жыл бұрын

Will I get tax benefits on the loan taken to buy a land on which I will construct my house??

@poojasanghvi8603 Жыл бұрын

Hi… do you do a one on one consultation?

@Praveenkumar-yj1wt Жыл бұрын

Finally Real estate video !! Please do a lot more videos of paper works, buying process, etc..

@ektabedi6233 Жыл бұрын

Yes planning to buy..but there is so much that pre work that goes into it. Thanks for the video. It helps!

@NS-vp1ng Жыл бұрын

11:06 agree with you Akshat, one of the major problem here in Goa.. and also most of the properties are disputed and if you are outsider you won't get any help from government office. Very good analysis considering you have just recently shifted to goa

@parthkishore9714 Жыл бұрын

Good video Akshat, do make a video on buying cars considering people buy cars based on emotion more often rather than purely on rational basis

@poojarisudesh Жыл бұрын

Akshat, Thanks this is of great insight, hoped someone would have come up with this kinda video when I purchased 🙂. Would like to request you to make similar video on purchasing commercial property.

@VivekBisht Жыл бұрын

very early in my career i brought a small land in Dehradun for just 3 lacs.. i made 3 shops there.. rented them for over 12year now and rest of the land i sold of recently for 80 lacs.. thats 15 years total and i still own those 3 shops...i never had such returns in equity.. hence i swing nifty 50 when its down and i invest 20% of my investment portfolio by myself in equity where as 60% still goes in buying lands in tier 2/3 cities.. 5% in crypto..I like all the logics in this video..great stuff @Akshat

@arnavbiswas2101 Жыл бұрын

Great insight Akshat ! Certainly look forward to more real estate and car videos for more information

@stockmarket9449 Жыл бұрын

Formula 3-20-30-40 is really useful for salarized people. Thank you Bro

@gomzify Жыл бұрын

This is very practical guide to go about things with some really smart add-on tips ! Thanks for sharing ...

@piyushrajmishra Жыл бұрын

I was expecting this video. Thank Akshat. Edit: Kindly make a more detailed video around how to by properties, the selection, the paperwork as well as the financing and by property I mean commercial property. Help us with your experience. Kudos to you for spreading the knowledge.

@jagdishshankarankutty1459 Жыл бұрын

Again u do nt seem to be insisting on the liquidity aspect of an investment portfolio which in my opinion is most important as and when require money v hv to hv it and hence v invest in shares like Hdfc. Group HUL ETC THIS POINT U SHUD BRING TO TJE NOTICE OF THE GUYS

@manojsuri007 Жыл бұрын

Buying a house in the outskirts of the city and constructing the house after a decade is a far better option. You won't feel financial burden and you can choose the quality of construction yourself for your house.

@sutanuchakraborty9381 Жыл бұрын

Thank you for this video. Enlightened 👍🏻

@rahulmodi9821 Жыл бұрын

Very very useful and Insightful Video Akshat sir. Thank you sir For the video.

@rajubabub1229 Жыл бұрын

Really very very helpful tips while buying real estate. Next time Pl give some tips for buying new / old flat in an apartment complex developed by reputed builders / companies. Thank you

@Ashwin-zg7rt Жыл бұрын

All these factors should be taken into consideration when you consider real estate as an investment. Owning a home for self use has a more emotional feel to it

@iyernil1 Жыл бұрын

@akshat - Great video but I was surprised you did not talk much about the hidden cost of high interest rates - over a 20 year period at current Interest rates - you would end up paying almost equivalent amount of interest as the property base cost - the second point I though you probably should cover is cost of maintenance of property and the kind of tax benefits that families can get by buying and renting

@phalswalexploringnature8632 Жыл бұрын

Really too good information provided. You did great research and hard work to let the people understand a lot….🙏👍

@gerakhushboo Жыл бұрын

Fantastic video, highly insightful. Loved the point about a contractor and garbage picking.. really insights nobody will tell you. Eagerly waiting for more insights on real estate.

@prernasharma1307 Жыл бұрын

Hi Akshat, could you please do a similar analysis with all such calculations for a car. My husband has to commute daily by car and it is quite necessary for him so car is required for us but such generic calculations before buying a car will be really helpful

@D4arkl0rd Жыл бұрын

Thanks for posting this insightful video Akshat!. These may seem trivial and not decisive, but absolutely should be kept in mind while going for any real estate. Please keep videos like these coming through. I am very excited about you trying to build a real estate portfolio and your though process/research around getting this accomplished. Thank you and all the best!

@akshat.s3965 Жыл бұрын

👆🏽📥 📥

@abhishekjangid1990 Жыл бұрын

Great video Akshat! Just love the way you speak! I'm a huge fan! Please do make the video around buying a car...

@raviranade6927 Жыл бұрын

Thanks a lot Akshat. Waiting for your video about car.

@neetakakkar6075 Жыл бұрын

Great video Akshat !!

@ankitaghosh145 11 ай бұрын

In Bangalore however the property rent and buying prices have gone up crazy..~10% increase each year or even more than that in the most popular areas like sarjapur,bellandur etc. Even in whitefield.And all the places rental yield has become >6.5% easily..It is not only 3% any more so more and more people are buying multiple properties(apartments/villas)

@murarinowal8952 Жыл бұрын

Really appreciate your sincere efforts

@neelamvalecha4837 Жыл бұрын

Good ideas and very practical.

@vincentmax4571 Жыл бұрын

This was very helpful and insightful. Thank you.

@sharing.experiences. Жыл бұрын

Yes it's very usefull. Thank you for sharing this

@digitalgrandmastories 3 ай бұрын

Thankyou so much Akshay beta you are taking so much pains to make us understand each and every point

@mkumaranl700 Жыл бұрын

Good video, useful to me. Please continue your good work.

@abdulsatthar3548 6 ай бұрын

Useful Tips..! Thank You ❤🙏

@iraiarulniveda Жыл бұрын

Wonderful content 👍Thanks for sharing.

@nishxplores Жыл бұрын

very helpful. Thank you so much Sir!

@joelbenoy8716 Жыл бұрын

Great work. Well explained

@cmoro1772 Жыл бұрын

Akshat I really want to invest in a commercial property and really wanted your guidance on the things to lookout for while buying one and what are the tax implications on renting one...I would really appreciate if you could make a detailed video for commercial investing

@nothingness3 Жыл бұрын

Thanks Akshat..keep giving us opportunities to say that....

@sachinkadam5412 Жыл бұрын

Very practical view on buying property

@srinathelangovan2986 Жыл бұрын

Insight full. Yes akshat, you want to make a video about buying car.

@foodient837 Жыл бұрын

Akshat, buying a land is pretty complex given we do not know whether i am buying a genuine land or not. Property papers are correct or not etc. Can you make video on that?

@fashionchaos6775 Жыл бұрын

Hire a lawyer especially real estate lawyer from your government property office ie. Kacheri they will taken care off all your headache about real land .

@narayanf5493 Жыл бұрын

Land law is not effective in India, we can find 100 loopholes even in a genuine land. They can drag you to the court nowadays lawyer does this full time their job is to find loophole and exploit it. Our court system is such that to serve justice can take easily 15-20 years by that time one person life span completed(I mean his career life) by practical we are facing from civil court we won then they put in high court then high court we won now they put miscalenous case. The story won’t end here after we get that case also won then we have another world called execution court. Till india have proper land reforms act and judicial time bound or ensuring a challenging case they have to keep heavy amount in court if they really want to challenge all this reforms are long way to go in India for both land reforms and judicial time bound. Till that don’t waste time, effort and energy in buying land rather look for other alternatives investments like Gold/Equity/Debts etc even worst case still FD is better than all this hassles.

@vishal.shetty Жыл бұрын

get it verified from lawyer

@ABD-vk9hw Жыл бұрын

LLA have made a good video about this

@samur5256 Жыл бұрын

Try with a Plot loan. Since Bank verifies all the legalities of the plot and documents in order, it will be safe to check with bank and lawyer.

@somrajgupta7603 Жыл бұрын

What you have told it's very true, the formaulae I think varies a lot on location of the property. We have a flat, though it's not bought, but it's a small 1bhk apartment in South Kolkata 480sq ft. The rent of the apartment is 16000 per month as of now, since it's a fully furnished property. And the cost of the flat in that area is roughly 27-28lakhs only. Even if I substract 3months rent for maintenance, tax, brokerage earning would be (16,000*9) = Rs 1,44,000 so per year yield calculated would be 5.14%

@judithxavier9021 Жыл бұрын

You are right. Sell your high value property and buy your own house in a small city and live peacefully on simple budget without headaches.

@Pksimplepsychology Жыл бұрын

Make sense , through your logical explanation.

@Pksimplepsychology Жыл бұрын

I don’t think you’re the right one .🤭🤭

@albertishu9066 Жыл бұрын

Thank you for this video ❤️

@yogeshbabu9942 Жыл бұрын

Good one similar to stocks

@prabhjeetsinghmann8787 Жыл бұрын

Superb content sirjee! Extremely helpful it is! Cld you pls make a video on buying a super inflated flat in tier 1 cities VS buying a villa/rowhouse in tier 2 and tier 3 cities. I GUESS, it will be a great video.

@akshat.s7843 Жыл бұрын

Feedback appreciated..⬆️ Wanting more info and insight??? WatsApp the number above, Endeavour to reach out.

@VivekABMS Жыл бұрын

Yes making video on whether should buying car or not !

@tusharpant2771 Жыл бұрын

Yes do make a video on buying a car or not. Especially do consider electric cars worth buying?

@lloydsouza Жыл бұрын

Thank you Akshat. Can you please do more videos on property? Especially properties in Goa, tier 2 and 3 cities/towns? The property market interests me a lot as I have some kind of a background in building and construction. For example I helped build a bungalow in Calangute, Goa, years ago and was responsible for permissions, dealing with Panchayat, Communidade, conducting a search going back 100 years, overseeing construction, furnishing the home, etc and it had been an experience. However, I would not consider places like calangute, baga, Candolim, etc as properties are too expensive, too crowded, too commercial and the beauty of the land is lost. I could go on and on, however, I appreciate where you are coming from as I can see you do a lot of research and am looking forward to watching more videos on property. Thank you.

@tusharpant2771 Жыл бұрын

Always comes up with the best content possible 🤩.... Everything said in the video is actually right. Keep going brother

@rakeshhansrajani Жыл бұрын

Sir, plz make a video on how real estate has performed in times of recession. As the recession is at doorstep. Also, plz discuss about smaller towns as well like ahmedabad, rajkot

@rajdeepchandra9807 Жыл бұрын

Thanks for the insightful content. Would love to hear your thoughts on buying a resale proeprty of 5/8/10 years old in a good area. Or is it always good to buy a new property if that is your first investment

@Dojocat10 Жыл бұрын

ty sir The formula was awesome 😃😃😃

@Ram-js4dj Жыл бұрын

One opposite view: in time of our parents rented yields were high not because rent was high but because price of the property was lesser !! In my city in 2008 price of property (3 BHK apartment) was 8-10 lacks max 12 lacks now it is 80-85 lacks having CAGR ~ 17% which is not achievable for tier-II/III City!!

@a.yashwanth Жыл бұрын

how about 2006? You are comparing from the very low during 2008

@Ram-js4dj Жыл бұрын

@@a.yashwanth intention was not to compare it with stock market effects however there was little impact on tier II/III Cites of BIMARU state in real estate markets affected by stock crash. Yes in 2006 prices were bit lower than 2008. It all begins with starting nexus of land mafia as liberalization reached with delay in these backward cities!

@cakebakeproject 5 ай бұрын

@@Ram-js4djindians like u are bimaru brother. Such prejudice political prejudice thought displays your mental status

@Ram-js4dj 5 ай бұрын

@@cakebakeproject you must be flying on ur papa’s illegitimate income or you may be relative of corporates 😄😄

@satishkumar-gc5rk Жыл бұрын

Awesome content.

@itsashish4u Жыл бұрын

Hi Akshat, Really good video... You are really talking about the practicality of real estate investment... Way to go... Look forward to more videos on investment in real estate..

@user-ty7zu9fu7v Жыл бұрын

🚀⬆️

@RAVI56022 Жыл бұрын

Thanks Akahat for this vedio 🙏

@agrkrishna Жыл бұрын

Very True Finance is Complex

@nandinigupta5301 Жыл бұрын

Would love to see video on car as well. Thanks Akshat!

@TheNipunkakar Жыл бұрын

Thanks for the insightful video… pl post a video on air bnb in india

@safdarshaikh5692 Жыл бұрын

Informative and good video, would love to watch one on buying a car.

@subramanyamsreeramdas9544 Жыл бұрын

Good information

@dhilipkumar999 Жыл бұрын

Could you make a video on how to decide whether to buy an apartment or individual villa, which one would be a better option?

@shabbirbagawan7013 Жыл бұрын

Thank You Sir 😊

@gagandeepduggal1976 Жыл бұрын

Thanks for the advise

@gulliverstravels6218 11 ай бұрын

Hi Akshat, could you please do a similar video on property buying tips for NRI’s ?

@jagdishshankarankutty1459 Жыл бұрын

Am jagdish and wud like to add one important view point and that is the liquidity of real estate investment is very low meaning thereby that when and if u want to sell it u never can

@Techy_Anuj Жыл бұрын

Please make a video on when should we plan to buy a car...this video is supremely excellent

@hiteshrajpal3114 Жыл бұрын

will the price of the property which is near to redevelopment or 60 yrs old will go up ? Would you like to make video on concept of redevelopment of C.H.S ?

@Parth-bl6oj Жыл бұрын

Plz make a video on how to save TAX or how to plan for it

@kaikualakaurintah3604 Жыл бұрын

great contend.tysm

@maddy2812 Жыл бұрын

Hi Akshat, thanks video is very informative, is buying farmland a worth investment

@kosarajupriyanka635 Жыл бұрын

What is the real value of gold ? Can you please make a video on how quickly to complete the education loan or if we pay just the emis will that be useful to us in the long term Please make a video on car buying also

@sarajoseph9105 Жыл бұрын

Video on purchasing a car please. Can't thank you enough for these insightful videos. :)

@MohammedKhan-cq8xf Жыл бұрын

Hi Akshat , thanks for sharing valuable information.. Can you please suggest if investing in a property in bahrain would be wise since compared to india rental earnings are more..

@sarathchandrarepaka9595 Жыл бұрын

Excellent video

@MRPTrader7 Жыл бұрын

Very good video sir 👍🏻

@ayushnegi3548 Жыл бұрын

everyday quality of knowledge is increasing

@Jk-po8gj Жыл бұрын

Awesome knowledge sir as always👍 pls make video on whether to buy a house or flat

@kavij4326 Жыл бұрын

Pls post Swing trade advice .. With buy and sell target

@virajrandhir5419 Жыл бұрын

Amazing video

@subhadeeppaul1349 Жыл бұрын

Scared to send this video to my friend who just bought a house, violating ever single concept you mentioned.

@aqua30169 Жыл бұрын

NBCC, a navratna PSU is one to be very careful about... Booked a flat at their project in Kochi (Kerala) in 2013...ten years down, the Navratna company is unable to get statutory clearances fir the project and people are paying costly home loan installment without any house to live.... And yea the navratna PSU scarcely responds to communications

@kishanjv4361 Жыл бұрын

Vv informative video

@traveltaughtprairana Жыл бұрын

There are so many disputed properties in Goa, so going for a flat is better option.

@kumar21211 Жыл бұрын

First part of the video information is good . Second part is bit misleading. You can find the architect who can do the construction rather than going to the builders . Also based on the previous builder you can find who the quality of the work So booking the house from the builders during the prelaunch who increase the profit margin rather than buying at the end

@kingslyjesus Жыл бұрын

The formula was awesome man. It exactly suits my present decision except the little less down payment.

@gpjoseph9807 Жыл бұрын

Good advice given

@Racha1223 Жыл бұрын

Appreciate the feedback What'sap the number above For more interesting insight And to build a good portfolio

@srir5655 Жыл бұрын

Superb. Pl make a video on buying a car in India

@dhanudharsan142 Жыл бұрын

can you make video on how are you able to do deep work despite different income streams?

@MasterJha Жыл бұрын

I am planning on buying house and this video was very helpful, looks like I got some of the calculation correct, I need to work on some other stuff, please do make a video on buying a car, would be great to have that knowledge in the back of my mind.

@sumitshrivastav1502 Жыл бұрын

Hello, I'm real estate broker may I help you?

@Deekshithtirur Жыл бұрын

Present akshath

@kavinkk2399 Жыл бұрын

Let's discuss the *AMZ44W* guys. This is failproof and barely any asset can be labelled "failproof" at all.

@priyankatonpe9899 Жыл бұрын

Hi Akshat. I like watching your videos. I have a request ,can you explain about SBI Maxgain Policy for HomeLoan in your upcoming videos.Actually we have taken a loan in 2011 and we are not repaying it though we have amount . We have put it into the maxgain account and advantage is that we don't have to pay the interest but still EMI needs to be paid which cuts the actual loan amount. My husband says we can withdraw amount paid extra whenever required or want to buy some new property. I am not able to understand this policy ,how it is useful. If you can explain more about this will be helpful. Thanks in advance

@kshitij2314 Жыл бұрын

Property appreciation is minimum 10% in tier 2 tier 3 cities.

@sumantamukherjee406 Жыл бұрын

1. House price 40, max price

@waytoshell3063 Жыл бұрын

Car? Yes surely.. Buying froma common men perspective but after You get ur brezza...😉👍

@tanmaychoudhury8349 Жыл бұрын

I have did a SWOT analysis of buying a home decision and came up with beautiful conclusion.

@akshat.s4579 Жыл бұрын

Thanks for your comment, What'sap me with the number showing above for more profitable investment plan.

@onkarankalkope7185 Жыл бұрын

Please do make & upload video on whether one should buy a car or not

@TechXaa Жыл бұрын

Hi Akshat, I have a question ,If some one(Salaried person) has enough money to construct the entire house without any loans, Should they follow that route? or taking the loan for (say 40%) and invest the rest of the money in High return(like equity)? Pay EMIS every month.