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Property Articles and News

Now the good times arrived for

Now the good times arrived for the real estate sec...

The real estate seeing expansion and positive buyer interest after the lockdown, the business dedicated concurred that the area is gradually returning on target with monetary organizations are currently making big financing accessible to the real estate.

 

Engineers are currently assured of the development ahead and hopeful for an extraordinary revival. Still, the dreadful of a pandemic is as yet not finished and land designers are as yet cooperating to beat the difficulties.

 

There is a positive sign observed across the economy, and as GDP development occurs through the V-formed recovery, the part of recovery in real estate, particularly office spaces, stays a worry considering 'telecommute' as likewise 'work from the distant area'. Likewise, while the SWAMIH Fund has progressed nicely, there are many slowed down and postponed projects, restarting of which will require an increase of the asset as additionally, financial organizations join the process.

 

Home credit loan costs are at very lows; a few states have decreased stamp obligation rates. What is likewise required is uphold for project money, and I trust positive advances occur – and soon. As the vaccination drive changes into high gear with the public-private association, one anticipates that normalcy should return by June-July this year.

 

There is an enormous chance we as a whole are sitting at. Interest costs are minimal and builders have been reasonable about the evaluating and government activities, for example, the decrease of stamp obligation has assumed a significant part. Individuals are wandering out and purchasing homes. Developers should keep giving their best to guarantee the rates don't go up.

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Major home buying problems buy

Major home buying problems buyers may face in 2021...

Buying a home is always a dream for every person. Everyone wishes to have a dream home that is easy to buy or build, But is Buying a home that easy?

We will discuss the major problems home buyers might face in 2021.

2021 is a fresh start for the whole world. A new set of opportunities welcomes a new set of problems too and when it is about the home buying the drill gets even harder.

The process to buy is a hectic process and every homebuyer will agree to this. So here are some major problems you may experience in 2021 for buying your dream home.

1. Uncertain Market Condition

The Covid-19 situation has made all the real estate market an uncertain thing. Many buyers are not sure whether they should enter the market or wait. Many Sellers are also not sure if they should reduce the rates or hold on to the current trend. In these uncertain times, buyers than to hold the current situation and not buy. But a positive mindset that buying a home will bring better times ahead can solve this major hurdle.

2. Unstable Income

In the year 2020, after the pandemic, many people lost their jobs and many companies are not giving the salaries on time or have reduced the package by up to 50%. This has lead to unstable, inconsistent income for the buyers. Though the lending banks also know but this has created a major question mark on buyers repayment capacity. The year 2021 is also almost the same. Buyers who have faced this situation will have a difficult time buying a home in the next 4-6 months.

3. Credit Bureau Score (CIBIL)

In the last 5-7 years Credit Score has become a very common word mostly known as CIBIL Score. There are many rating agencies and maintaining a good score is a responsibility for each and every buyer. No one can help a buyer if his or her score is not good. Making timely payments, Less Credit accounts, Less Credit Utilization are major factors and having a bad score is a negative point while you decide to buy a home.


4. Actual Property

When a buyer decides to buy a home, he has many things in mind. The Buyer will definitely look for 2 major things, Locality & Budget. A buyer would want to have his home near to his workplace and within budget, but most of the times it’s not possible and then the buyer either compromise on Budget or Locality, Compromise on Budget will hamper financial standing and locality will hamper his commute time. This will directly or indirectly impact his life and no buyer will ever want this. Rest minor things are which bank to choose, what interest rate, what amenities and Clear title properties. Once this step is successfully completed many buyers are ready to take the next step.

5. Arranging Paperwork

Many first time buyers are not aware that they will need a lot of paperwork apart from property documents. Documents like Bank Statement, Income Tax Filing Documents, Salary slips, ID Proofs. Company Letters in some cases. These documents seem simple in the first go but actual collection and setting documents in order is a big task. The buyer has to spend a lot of time and energy on this sometimes.


A quick piece of advice to avoid loss is that never rush into buying a home. Home buying is once in a lifetime investment, plan everything properly, educate yourself & keep your eyes open to be one step ahead of problems.

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Plots measuring up to 3200 sq.

Plots measuring up to 3200 sq. ft. it does not nee...

To boost the on-hold projects in Maharashtra, the state government has declared that development work on lands of 3200 sq. ft. should proceed with development work without taking approval from the urban planning department; the motive is to speed up the development in rural Maharashtra announced by the Rural Development Minister Hasan Mushrif.

 

Before starting the development on lands measuring 1600 sq. ft. i.e. (150 sq. m.) owner should be ready with documents like land title, layout plans, buildings plan, survey maps, engineers certificate of consent and should submit at Gram Panchayat with concern fees. Then people of the village can proceed with the construction directly and will not require the commencement certificate for construction for plots measuring from 1600 sq. ft. to 3200 sq. ft.

 

Rural minister Mushrif said, “The construction will achieve progress which required approval from urban planner because gram panchayat doesn’t have to run after urban planner for the development approval".

 

But if your land measurement is more than 3200 sq. ft. then you will need permission from an urban planner for the construction. The new rule will not be applicable for the Ratnagiri district at present.

 

Let's hope this decision by the state government will enhance the development of the rural sector of Maharashtra. 

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Do you know you can get SBI pr

Do you know you can get SBI pre-approved home loan...

If you are considering purchasing a home or flat in the coming days, then you should start getting ready for it right now, obviously, you have not searched your house yet. To purchase a house you may require a home loan. In such circumstances, if you already have a home loan ready before buying a new home, you won't need to run the bank at the hour of purchasing a home. Once you will find your home and the home loan will be approved already. The country's biggest bank, State Bank of India (SBI Home Loan) provides the loan for the same. For this, you need to go through few processes first.

 

Advantages of SBI Pre Approved Home Loan

 

SBI offers its clients a low-financing cost on pre-approved home loans. As per the instruction on the official site of SBI, handling charges are less. There is no concealed charge. You don't need to take care of a prepayment penalty. Additionally, the charges you get as interest are fixed by the decreasing balance consistently. You can repay the home credits for a very long time. Home advances are accessible as an overdraft. Ladies' clients additionally get a discount on the financing cost.

The advantage of a pre-approved loan is that the bank evaluates already by the criteria. When approved, it turns out to be simple for you to purchase a home. It requires some investment to move the advance sum once the house is fixed and you have already gone through the documentation.

 

Who can apply?

 

For this, the client must be an Indian resident. For this, citizens from 18 years to 70 years can apply. The loan term can be as long as 30 years.

Financing cost and expenses

In SBI pre-approved home credit, the financing cost depends upon the risk score of the client. As an expense, you are charged 0.40% of the total home loan (SBI home advance) sum and qualified GST which goes from 10 thousand to 30 thousand and GST. But, because of a tie-up with the builder's bank commonly, slight changes in expenses can be seen.

 

Necessary documents required for loan:

 

- ID card of the organization where you work

- Loan application structure loaded up with complete data with three passport size photographs

- PAN card/Passport/Driving License/Voter ID card as Identity Proof

- Duplicate of telephone bill/light bill/water bill/ gas pipeline bill or passport/driving permit/Aadhaar card as address or home proof.

- A half-year account statement of all ledgers you have  

- In the event that you have taken a loan previously, it’s the most recent one-year statement.

- Three-month payslip or certificate.

- Most recent two years Form-16 or Income Tax Return Paper.

- Business address confirmation.

- Income tax return papers of the last three years.

- Profit/loss and balance sheet in the last three years.

- Business license details.

- TDS certificate.

- If you are in CA, Doctor, or another profession, then certificate qualification will be required for that.

 

So don’t wait for the time when you will buy the home, just be prepared for the home loan already by applying at the SBI pre-approved home loan scheme.

 

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