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New GST real estate rate to be applicable from Apr...

The GST Council Tuesday approved a transition plan for the implementation of new tax structure for the real estate sector with applicable rules for housing units being applicable from April 1, 2019. 

The Council also decided that under construction projects will have an option to shift to new rate. The GST Council in its 33rd meeting on February 24, 2019 had come up with new rates for housing units. GST will be levied at effective rate of 5% without ITC on residential properties outside affordable segment, while GST shall be levied at effective GST of 1% without ITC on affordable housing properties. 

A residential house/flat of carpet area of up to 90 sqm in non-metropolitan cities/towns and 60 sqm in metropolitan cities having value up to Rs. 45 lakh (both for metropolitan and non-metropolitan cities) has been categorized as affordable housing. Metropolitan cities are Bengaluru, Chennai, Delhi NCR (limited to Delhi, Noida, Greater Noida, Ghaziabad, Gurgaon, Faridabad), Hyderabad, Kolkata and Mumbai (whole of MMR). 

The Council in it meeting today also held that 80% procurement of materials should be from registered dealer. It also announced that up to 15% of commercial space to be treated as residential property for GST purpose. However, the exact contour of this point mooted by the Council is not very clear. 

“With some of the key inputs for construction such as bricks, stone, hardware etc. coming from sectors which are largely unorganised, meeting the condition of 80% procurement from registered dealers for concessional GST rate could be challenging, especially in Tier-2 and smaller cities” said Harpreet Singh, Partner, Indirect Tax, KPMG India. 

According to Saloni Roy, Senior Director, Deloitte India, time will tell whether the reduced GST rates for under-construction properties will give the necessary fillip to the real estate sector which is currently witnessing adversities. “The concern regarding the reduced rate of 5% and 1% is that it is offered without the ability for builders to take input tax credit, which could actually lead to an escalation of costs. The GST council meeting today discussed modalities on transition and made th .. 

The Council also decided that reversal of input tax credit to be done on propotionate basis and the time limit for transition to new rates will be discussed with the states. 

“The pragmatic move to segregate under construction projects from new projects would provide relief to builders who were worried about the loss of input tax credit. This would also enable them to price the loss of input tax credits in the new projects. Reversal of Input tax credit on a proportionate basis would entail significant computational issues for builders as each project would be in various stages of construction and have differing pre and post completion sale patterns. Protecting existing input tax credits and mandating the new rates only in respect of new projects would benefit both builders and consumers. The specific statement on invocation of anti-profiteering provisions if the benefits of lower rates are not passed to consumers appears to indicate that the government is keen to protect consumers from a GST-led price increase,” said MS Mani, Partner, Deloitte India.

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Vriksha Darshan 2019 By Eco Friendly Flora...

Vriksha Darshan 2019

It all started with as a hobby which Mr. Dipak Sonawane has been carrying out since childhood. He worked in the Agricultural Department of State Government as an officer. He took early retirement to pursue his hobby and made it as his interest. His immense knowledge and interest has made him unique in this industry and also has a lot of followers. The specialty of Eco Friendly Flora is all the fertilizers/ medicines used are organic. Hence keeping the cycle of nature on and keeping oneself healthy. The second generation and the torch bearer of this huge empire of knowledge is his son Mr. Ninad Sonawane. Leaving the job behind, returning back from London and following his father’s footstep Ninad joined in 2015. It is his contrivance to set up the exhibition called Vriksha Darshan. After the success of previous editions, Vriksha Darshan has come back this year in a better and bigger way. A lot of value addition has been done with respect to plants and other creative items.

The event starts from 9th March 2019…

This March, Eco Friendly Flora launches their one-of-a-kind, immersive plant-based exhibition “VrikshaDarshan 2019”, which to be held at Eco Friendly Flora, Parandwadi, Somatane Phata, Old Pune Mumbai Highway (NH4), Tal - Maval, Dist - Pune 410 506. The 4th edition of this exhibition has many add-ons as against the previous editions. Such a great idea comes up from great minds and nature lovers Mr. Dipak Sonawane and his son Mr. NinadSonawane.

The event starts from 9th March 2019 to 17th March 2019. The Highlights of the event are

  • Garden plants: Panchvati, Nakshatra van, Saptarshi van, Navgraha van, Tirthankarvatika among others
  • Display of more than 300 native/indigenous, medicinal and ayurvedic plants including shatavari, kavandal, rudraksha, kuchla, red sandal and many more.
  • Collection of more than 100 native and exotic fruit plants like star fruit, ray awla, avocado, mangosteen, peanut fruit and many more.
  • Spices, Aromatic and Rare plants like Cinnamon, clove, black pepper, baobab, scented eucalyptus, kapur, and others.


All these plants are collected by the father-son duo from far across the country. This exhibition would provide you with the best variety and the best quality plants. Along with the exhibition of all these plants, they have also about to Introduce an amazing display of Bottle gardens and miniature gardens. This is a concept that would blow your mind and make a huge difference in your indoor garden.

In all, this event worth visiting and get bedazzled by the variety and fill yourself with immense knowledge. The details of the event are given below:

Dates: 9th – 17th March 2019

Timings: 9 am to 5 pm


Eco Friendly Flora
Parandwadi, SomatanePhata,
Old Pune Mumbai Highway (NH4),
Tal - Maval, Dist - Pune 410 506.



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Home loan and its type...

In today’s world having your own house is getting a bit strenuous due to increased rate of land. In such situation, all one needs is a good loan facility to fulfill ones dream. There are many banks which provide home loans to get your dream house. With their apps the procedure is getting easier and at your finger tips.

In finance, a loan is the lending of money by one or more individuals, organizations, or other entities to other individuals, organizations etc. The recipient (i.e. the borrower) incurs a debt, and is usually liable to pay interest on that debt until it is repaid, and also to repay the principal amount borrowed.


The document evidencing the debt, e.g. a promissory note, will normally specify, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower.

The interest provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.

Acting as a provider of loans is one of the main activities of financial institutions such as banks and credit card companies. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.

Some of the popular home loan types available freely with most banks and non banking financial companies (NBFCs) include:


  1. Home Purchase Loans:
    Commonly known as home loan or housing loan. 
    ->These loans are provided for buying houses or apartments.  

->Normally, all banks provide home loan up to 60 times your monthly net income.

->There are various documents for required for the application of home loan, which basically constitutes of PAN card, AADHAR card and couple of photos.
->They typically offer 80 to 85% of the market value of the property. 
->They are available for various tenure periods and with fixed and floating interest rates.


  1. Land Loans:
    They are available for purchase of land or empty plot for residential activity, construction or investment purpose. 
    ->They are not available for buying any agricultural plot of land. 
    ->Unlike home loans which offer a LTV  (loan to value) ratio pertaining to 80 to 85% of the price of the property, land loans offer a LTV ratio of up to 70% in most cases.


  1. Home Improvement Loans:
    They allow users to take care of their home renovation
    ->They are extended towards all construction and renovation work. 

->The amount of loan is dependent on the quotation giving by the renowned architect.

->Extending a room, making a new balcony, painting, flooring work, all kinds of plumbing or exterior elevation works are all covered under home improvement loans.


  1. Bridge Home Loans: 
    They are useful for people who sell their existing property and use the funds to upgrade their homes or buy a new home
    ->It isn't essential to wait till the final sale execution of the existing property. Bridge home loan can be used to purchase the new home and repay the bank once the existing home is sold.


  1. Mortgage Home Loan/Loan against property(LAP):

This type of loan is useful to people who are ready to keep their house or any other property mortgaged to take up a new house.

-> In this type of loan the property or real estate is used as collateral.

->The buyers gets into a contract with the lender (any financial institute) through which the buyer gets a specific amount against his property according to the current valuation.

->The payment is made to be for a set period of time till the loan amount is cleared upon which the mortgage is removed.

->Mortgage loan is considered to be secured loan as the financial institute has your property as security.

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GST Council cuts rates sharply to make room for ho...

Starting April 1, homes under construction will be levied 5% GST, against 12%. For affordable homes, GST will drop to 1% from 8%

The GST Council approved a sharp reduction in the levy on homes under construction and raised the threshold for affordable housing that will make more purchases eligible for concessional tax, offering substantial relief to buyers ahead of the elections.
Starting April 1, homes under construction will be levied 5% GST, against 12%. For affordable homes, GST will drop to 1% from 8%.

Homes up to Rs 45 lakh and with a carpet area of up to 60 sq metres in metros and 90 sq metres in non-metro cities will be counted in the affordable segment, according to the new twin definition cleared by the council, which is expected to give a big boost to lower-income housing. The earlier limit was a uniform carpet area of up to 60 sq metres for a house in an approved affordable housing scheme. There will be no input tax credit for GST paid on materials such as cement and steel for the sector at these lower GST rates.

In its 33rd meeting, the GST Council has accorded big relief to real estate sector,” FM Arun Jaitley tweeted. “This (rate cut) will give boost to housing for all & fulfill aspirations of neo/middle classes.

The government said in a statement that “the buyer of house gets a fair price and affordable housing gets very attractive with GST @ 1%”.

The GST Council deferred a decision on lotteries, Jaitley said, adding the group of ministers (GoM) will meet again to discuss the proposal.

“A reduced effective rate of GST of 5%/1% is good news for the real estate industry as the 12%/8% rate was a bit of a deterrent for buyers of underconstruction properties,” said EY tax partner Abhishek Jain.

Silver Treasure :- Under Constructions Projects in Talegaon Dabhade


Intermediate tax on transfer of development rights (TDR), joint development agreement (JDA), lease (premium), floor space index (FSI) will be exempt from GST for such residential property on which GST is payable.

‘Simpler Tax Compliance for Builders’
The government said this will address the cash flow problems faced by the industry.

“There are reports of slowdown in the sector and low offtake of under-construction houses which needs to be addressed,” the statement said.

It would also result in the cost of houses coming down, the government said.
“Unutilised ITC (input tax credit), which used to become cost at the end of the project, gets removed and should lead to better pricing. Tax structure and tax compliance becomes simpler for builders,” it said in the statement.

“Developers will need to increase the base price to recover the loss of input credit but would need to be cautious given the surge in anti-profiteering investigations for restaurants, in similar circumstances,” said Pratik Jain, partner and leader, indirect tax, PwC.

The decision was based on recommendations of a ministerial panel headed by Gujarat deputy chief minister Nitin Patel.

Those designated as metro cities are Mumbai, Bengaluru, Chennai, Hyderabad and Kolkata apart from the National Capital Region — Delhi, Noida, Greater Noida, Ghaziabad, Gurgaon and Faridabad. Separately, the Reserve Bank of India had imposed a monetary limit of Rs 30 lakh for non-metros and Rs 45 lakh for metros for affordable housing loans. Builders had been seeking a lower GST rate.


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