Author: Arun

Rental yield city-by-city – Mumbai, Bengaluru, Delhi, Pune, Chennai, Hyderabad. Gross vs net calculation, why yields are low, when rental property makes sense, alternatives like REITs.

Property sale capital gains tax India – 12.5% LTCG post-2024, Section 54 (residential reinvest), 54EC (NHAI bonds), 54F (other asset to residential). Strategies, TDS rules, 6 mistakes.

12-point resale property due diligence – title search, encumbrance certificate, occupancy certificate, society NOC, mutation, structural inspection, court search. 5 deal-breakers.

Plot vs flat vs built house comparison – appreciation patterns, liquidity, maintenance, home loan availability, rental yield, regulatory risk. Decision framework by budget and life stage.

NRI property buying in India – allowed types, FEMA payment rules, NRE/NRO accounts, home loan options, capital gains TDS, repatriation limits, 6 common mistakes.

Property registration process India – 1-week prep checklist, on-the-day timeline, biometric procedure, witness requirements, post-registration mutation, common mistakes.

12 specific BBA clauses to negotiate – possession penalty, carpet area, escalation, parking, common area, force majeure, exit refund, payment schedule, defect liability, dispute resolution.

State-wise stamp duty + registration charges India 2026 – Maharashtra, Karnataka, Tamil Nadu, Delhi, Gujarat, UP. Women co-owner discount, Section 80C eligibility, 5 mistakes.

UC vs RTM property math – 15-25% price difference, GST impact, pre-EMI burden, delay cost, when each makes sense, 8 UC traps. Risk-adjusted decision framework.

8-point RERA checklist before booking property – registration verification, escrow compliance, carpet area, possession penalty, approvals, builder track record, litigation. Prevents Rs.10-50 lakh of trapped capital.

PMAY CLSS gives first-time home buyers up to Rs.2.67 lakh interest subsidy. EWS/LIG/MIG-I/MIG-II tier eligibility, subsidy amounts, application process, common documentation mistakes.

Joint home loan doubles tax benefits (Rs.7 lakh combined deduction vs Rs.3.5 lakh single), improves eligibility. Who can be co-applicant, ownership structures, divorce implications, 8 mistakes to avoid.