Property buying, home loans, RERA, stamp duty, NRI property rules, rent vs buy decisions, capital gains on property sale — the practical guide for Indian home buyers and investors.
“Property never falls” versus “the market always wins” — the debate between real estate and mutual funds is one of the most emotionally charged in Indian personal finance. Both can build wealth, but they behave very differently in terms of returns, liquidity, effort, costs, and risk. The right choice depends on your goals, capital, and…
“Rent is just throwing money away — buy a house as soon as you can.” Most Indians grow up hearing some version of this, but the reality is far more nuanced. Whether buying or renting makes better financial sense depends on prices, rents, interest rates, how long you will stay, and what you would do…
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.