Many of you have been asking about the interest calculation explained in Podcast. We have curated a Case-Study to better understand the interest component. For detail click the link in description to download the case-study. Best, Team ASBL
Raj I a sudden question arrives in my mind if like modi became succeful to become cashless India , and it is going to happen definitely in bjP s this upcoming year term , then the cash will become useless and investements done today for property is 50~60% in cash for single property and rest is shown on real papers ,(showed less for saving tax ) as you already talked ,then it’s very very dangourious to invest in property ,are you getting my point .the rate will become suddenly less than 50%
Around 9:30 time stamp..u explained that 20 lac eventually gave 100% return..but u actually have to consider the rental cost also which one would be paying along with interest on EMI during those 4 years and also the capital gains tax implication which will eventually again be very less return as against a debt fund or obviously stock market
His calculations in RentvsBuy is wrong. You cant earn 20L with the investment of 20L in four years. He said house is of 1Cr, equity is 20L and 80L is loan, after 4 year home price will be 1.3Cr minus 80 loan minus 20 equity and minus 10L loan repayment is 20L profit. But 10L loan repayment in four years means 2.5L in one year and approx 20K per month.. Your loan EMI is never 20K for the loan amount of 80L. EMI of 80L loan for 20years will be approx 65k per month. Per year its 7.8L and for four year its 32L.. So if house price go up from 1Cr to 1.3Cr then you are at loss of 2L.. This only if price go to 1.3Cr.. Most cases it wont.
Absolutely correct, 80 lac loan comes at approx 67 k/month EMI for 25year tenure, 67*12*4=32 lac. In fact, we will lose 2 lacs forget about making 20 lac profit.
What he means to say is until Registration will at 4th year, so until Registration is done you have 2 options, one is emi & other is interest payment. He calculated only interest payment of 10 lakhs.
@@srikanthraobalmuri2832 I don’t think it will be only 10L interest. Most builders take 90% of money when top floor is completed.. From there to possession it’s a long time.. More over even good builders delay.. After covid, most premium builder give 2 year buffer.. But sales person wont highlight that..
I would request you to give the guest more time to speak on a question you have asked for ,so that we may get more insights, overall a great podcast !! Looking forward for more like these 👍🏻
Brother i am observing in your so many podcast, to turn or change the topic you broke the link of the guest when they are giving there opinion. You should have to wait for complete there POV and then carry on because some time i feel like i want to know more about that specific topic but you divert it suddenly. Think on it its just a little suggestion, otherwise your podcasts are great i loved it and i am enjoying it.....
Life is short, so make the most of it! Embrace every experience, whether sweet or bitter, and don't waste time complaining. Remember, hard work is the key to success, and it's more powerful than luck. If you agree, show your support.
Realistically, many young people don't have that level of disposable income at age 25 due to student loan commitments or internships, which means a higher annual commitment will be required at a later.
I truly sympathize with people with disabilities who aren't receiving help from anybody. Thank you, Anna chitidze seeing my $5,000 investments growing.
My wife and I began our investment journey with a modest $4,500, and we're thrilled to have seen significant returns. Initially i was hesitant to invest, but now I regret not starting with a larger amount.
Raj, another gem of a conversation. Please bring on more guest of real estate sector, this being a very big field diversity wise alongside being a highly capital intensive sector, more of auch guests would be heartly appreciated.
If you invest in a 1cr apartment you pay 7% stamp duty+Rs.30000 registration fee and 5% GST. So 12.3 lakhs given to the government on day 1. With interest on loan, chances are you will make a loss selling after 4years.
Stamp duty of 3 lakhs on an apartment worth 1 crore, 😮 but in January 2023, I paid 1.95 lakh Stamp duty for an apartment worth 26 lakhs only, with 8% GST, otherwise apartment cost was 24 LAC something, in Gurgaon Authority. According to this, the stamp duty paid on an apartment worth Rs 1 crore is much less than the stamp duty paid by me. (A affordable Housing projects scheme) 🤔🤔
Luckily in gurgaun you dont have to register the apartment till its handed over. You get a registered builder buyer agreement till then for which a much smaller amount needs to be paid
Raj, on multiple occasions you have interrupted your guest while he was explaining something. I am more interested in listening to your guest than your opinions. Let your guest speak first.
Why do we even debate on "Rent vs buy" for real state and house My class mate's father died few years ago but his father made a big house They gave that house on rent and They get good money per month If you can buy house then you must
It gives you and your family a mental satisfaction too. I had booked an apartment soon after my marriage and the builder had given me possession within the stipulated period of 4 years. But I still live on rent and I have also rented out my apartment. But I paid 6000/pm rent in a Tier 3 city and receive the rent around 21000/pm for my apartment in a Metro city.
I am actually new to all this but fortunately for I was introduced to Mr Ronal’ and I want to say a big thank you for sharing your knowledge with me and I’m also earning more than I expect. God bless you sir
His technical analysis is excellent and his interpretation/projections of the market are so accurate’ The point is Ronal’ is the perfect trader to follow for advice and guidance
In Gurgaon, there is no flat in 1 crore rupees. Even if you stay 25 kms away from the offices area(say Golf Course Road), the minimum amount needed for a decent flat is 1.75 to 2 crore. All the new launches are coming around 16 to 20K per square feet. It is all overhyped property prices in Gurgaon. So, better stay on rent.
You need to let the guest speak more..he is the expert..though you have done your research..this is not a debate..but discussion and knowledge gain session
1cr flat with 80 lac loan- intrest rate 9.4%, 20 years, emi 71k then for four years only intrest amount will be 30 lac. If you sold @1.3cr after 4 years means no profit at all. But you loose intrest for your own 20lacs
He is talking about investing in newly launched under construction property. No builder asks for 100% payment upfront, payment is generally construction linked. So he is alright about the loan interest calculation.
सर, मैंने ये पूरा एपिसोड देखा रियल स्टेट के ऊपर बहुत ही अच्छी जानकारी दी गई, बस इसमे मुझे एक सब्जेक्ट छुट गया, वह है आपने RERA के ऊपर कोई प्रश्न नहीं पूछा, बाकी बहुत शानदार आप कार्य कर रहे है,
Great Podcast. Knowledge Packed. Certain alarming and upcoming trends could have been covered viz. Sustainability in Real Estate - Particularly Building Built Housing and Commercial Projects, Luxury Real Estate, Real Estate Investment Trusts (REIT), Future of SOHO and Studio Apartments, More Details on Debt-Financing, Unique Investments viz. Buying Hotel Rooms. Overall Great Work Mr. Raj Shamani, I appreciate the ease and the gentle demeanor with which you create positive insightful conversations.
Amazing work Raj, sometimes your questions are to long and has multiple questions in it, which confuses the Guest as in what to answer and as a listener what to expect. Thanks so much do well your content really helps us. I believe you should also do a podcast on most of the Indian businesses are run by families in India small to big companies,Lacks professionalism so called Lala companies and how is it affecting the young generation and the ones who were working for very long time in the organisation. is there really growth and professionalism which is given importance, or it is just go with the flow and be the bosses favourite till your retirement.
One home is a must , you can’t calculate returns on real estate investment just on basis of rentals you also have to consider the capital gains over the years I know people who bought flat in 8 lakhs in pune Hinjawadi area in 2005 now selling the same units in 90 lakhs this is almost 10 X times excluding the rentals. I am consultant working since 12 years - See below things before buying. 1. Buy in new location 2. Buy cheap 3. Buy good developer known in city or may be listed Co or known developer in country 4. Don’t buy furniture 5. If you want to sell in 2 years put a clause in agreement so that you get your stamp duty return 6. Buy middle floors units 7. Buy Vastu complaint units 8. Buy outright plot projects avoid lease plots projects 9. Buy through a channel partner who is knowledgable 10. Avoid loans in early stages
If you buy a house worth ₹1 crore now, you won't be able to sell it for ₹10 crore in the next 20 years, as used to happen 20 years ago when houses were priced at ₹8 lakh and are now ₹80 lakh. Real estate in India is highly overpriced, with builders making 5 times the cost when they sell to you. Real estate has now reached its saturation point. Salaries of Indians cannot touch ₹1 crore in the next 20 years unless the country's economy becomes equal to that of the USA. Even in the USA, real estate does not function like it does in India. In India, many builders' constructions are scams, and one day, this bubble will burst. Take a screenshot of this.
Hello Raj.....your podcasts are way better than Ranveer (TRS). Your guests are awesome 👍🏻. Your conversations are very intellectual. I have been following many podcasters......but I enjoy yours. Because your questions are very good. No drama....No hypocrisy.....No chatugiri like TRS. Very clean conversations.....and you have improved yourself alot. Just one thing from this podcast that.........your host missed out on PUNE. As I am into real estate.....PUNE is favourite city of investors. Thank you ❤
Galat hai ye kehna kee property humesha appreciate karti hai. Flats toh nahi karte appreciate humesha. Yes, khud ka ghar hone ka mental peace is unmatched.
Raj podcast is continuously improving and makes sense and giving knowledge in a more clear manner, where as Ranveer Allahabadia content is getting irrational and stupid gradually. Great work Raj
Your podcasts are excellent. It would enhance the experience if you allowed your guests to speak without interruptions. Remember, when you invite someone on your show, it's to benefit from their expertise, not to overshadow it with your own
This logic is based less rental yield because 1st you don't have 1cr cash to buy house hence you leverage, 2nd now rental yield is 2% after 10 year property will be 80%+ value and 1.8cr pe rental yield dekhoge to you will get 4% and so on. 3rd you will have roof on top of you if you go broke and want to return at least you will have your own place to return Only think is wait calculate and then decide.
Hyderabad is the fastest growing city imo also Pune too is growing as a key real estate player, also Surat. Good opportunities here as prices are not that high still and development potential is huge. And the best investment advice my father gave me in real estate is rent in tier 1 city, buy flat/comm in tier 2, and buy land in tier 3/villages.
@@ananda.hx7I will totally disagree with you because please check below: →If you buy a house: If you buy a flat worth of 1 Cr let's assume that 20 L Down payment and 80L for emi @9% so have to pay approx 71000 for month for 20 years. So you ended up with the value of 3.25Cr Flat okay. →If you rent a house. So consider the avarage rent for whole 20years is 43000 per month 1 to 1.1CR. So let's assume that you have invested the 20L into the index fund consider that you get 13% safe side for 20 years & you end up making 2cr with this it self.And sip the 40k on any avarage for 20 years with excluding the rent from it then you will end up making 4.58Cr now include whole amount into one 4.58+2cr=6.58Cr.🔥 Buying a home you end up making 3.25CR If you rent the home you end you making 6.58Cr🔥. Note: Only if you make 13% per year in index fund i think next 30 years very bright it can be easily make 16% to 20 % every month So you can make easily 10CR to 15CR. Benefits: Easily liquid and no black money💯 Buying house ❎ Investment ✔️
@@ananda.hx7I will totally disagree with you because please check below: →If you buy a house: If you buy a flat worth of 1 Cr let's assume that 20 L Down payment and 80L for emi @9% so have to pay approx 71000 for month for 20 years. So you ended up with the value of 3.25Cr Flat okay. →If you rent a house. So consider the avarage rent for whole 20years is 43000 per month 1 to 1.1CR. So let's assume that you have invested the 20L into the index fund consider that you get 13% safe side for 20 years & you end up making 2cr with this it self.And sip the 40k on any avarage for 20 years with excluding the rent from it then you will end up making 4.58Cr now include whole amount into one 4.58+2cr=6.58Cr.🔥 Buying a home you end up making 3.25CR If you rent the home you end you making 6.58Cr🔥. Note: Only if you make 13% per year in index fund i think next 30 years very bright it can be easily make 16% to 20 % every month So you can make easily 10CR to 15CR. Benefits: Easily liquid and no black money💯 Buying house ❎ Investment ✔️
एक गुजारिश है राज भाई, कृपया अपने गेस्ट्स से बोलें की वो जहां तक संभव हो हिंदी में ही पॉडकास्ट करें। आपका हर शो मेरा पूरा गांव देखता है। Love from Bihar ❤❤
You should confine or shorten the length of you question , some time few question are 5-10 minutes long , better to divide in part or reduce or avoid lengthy questions , in such way sometime answer may also not attain or remain relevant or so important.
एक गुजारिश है राज भाई, कृपया अपने गेस्ट्स से बोलें की वो जहां तक संभव हो हिंदी में ही पॉडकास्ट करें। गांव के युवा आपके शोज को बहुत पसंद कर रहे हैं। Love from Bihar ❤❤
I was wating for the podcast Bhai.. Now it's like"Raj Bhai ne podcast dala to dhekneka !!" 😂 Joke's apart.... Really I have learn so much from all the podcast form you bahi.. & Again Thanks a lotttt bahi 💗
Amazing episode, good depths of knowledge were explored alongside sharing of quality knowledge of the real estate sector. A great listen for aspiring developers and other personnel working in this sector. Wise ideologies were exchanged during the episode, please bring more of such episodes, you're truly doing an heroic act putting up episodes like these out for the people.
Usi ne Gurgaon ke prices over inflate kar diye hai. 2 to 3 crores minimum is needed for a decent sized flat even in New Gurgaon. So, please don’t call that guy Amit Sangwan to this show, he is creating fear among the buyers and all investors are there in most of the projects
Ajitesh Anna...u were spot on and that was excellent knowledge which u have laid out for the public to know.😊😊 Raj was also asking his own fears of investing in real estate too. Give one interview a good media outlet or start ur own UA-cam channel about ASBL 😊😊
Bank loan rule of thumb 👍 is they give loan up to 5 years of your total net income, now check house hold income in your city , payscale is good source affordability is very huge problem in India
Raj must say its a best podcast I have ever heard but could you ask the little more in detail like about vastu , how to identify good location and how to check genuiness of property
Thank u raj for an amazing podcast…the host is so humble n real down to earth person…the way u ask questions is so authentic coz I’ve done diploma in journalism n I know this stuff…I wish I knew how to make podcast…I would love to interact with u…anyways…keep up d good work bhai…god bless u….❤❤
Elan, a Gurgaon based group cheated me by selling their project Elan- The Mark in June'23 which dint have RERA & till date does'nt have one, but not refunded my booking amount.
Great podcast. You have excellent guests and you are very well prepared with your questions. Your channel is a great source of knowledge and information. Just one point; at times it appears that you are not giving adequate time to the guest to answer your question in detail.
I loved this episode, instant follow and like from me. I loved the part where we discussed about profile financing. We saw how the bubble was made when supply shot the roof. I wanted to know how it poped so that I can understand how I can still take the advantages that they are providing but also have my own way to keeping a security, that is another layer of financial engineering that a customer can keep.
As usual an amazing episode .Both of you are very good. The tips shared are very useful. And yes , I agree with you Indore is the place to be , again, purely because I have beautiful childhood memories of that city, ha ha.
People like Nithin Kamath and Sharan Hedge has a lot of money that they can stay on rent for a years and inflation/job insecurity doesn’t matter to them. Please consider this point also.
06:48 Interests Calculations, How Come we Pay Just 10 Lakhs interest for 4 Years on 80 Lakhs loan. Even if interest rate is 6% p.a. it amounts roughly 4.8Lac x 4 Years = 19.20 Lacs. Also we are ignoring the Registration Costs and Stamp duty expenditures
→If you buy a house: If you buy a flat worth of 1 Cr let's assume that 20 L Down payment and 80L for emi @9% so have to pay approx 71000 for month for 20 years. So you ended up with the value of 3.25Cr Flat okay. →If you rent a house. So consider the avarage rent for whole 20years is 43000 per month 1 to 1.1CR. So let's assume that you have invested the 20L into the index fund consider that you get 13% safe side for 20 years & you end up making 2cr with this it self.And sip the 40k on any avarage for 20 years with excluding the rent from it then you will end up making 4.58Cr now include whole amount into one 4.58+2cr=6.58Cr.🔥 Buying a home you end up making 3.25CR If you rent the home you end you making 6.58Cr🔥. Note: Only if you make 13% per year in index fund i think next 30 years very bright it can be easily make 16% to 20 % every month So you can make easily 10CR to 15CR. Benefits: Easily liquid and no black money💯 Buying house ❎ Investment ✔️
Some very good insights on trends but I myself operate in Real-estate space & I disagree with a few inputs. I believe Flats are meant for living & using. Their value might increase marginally over time.. but Land per se is a better investment over time & even ground floor retail commercial. Many other nuances are also involved in Real-estate Investment.
Real Estate made money in last 20 years does not mean it will keep on appreciating. China property prices dropped 70% in rural and top cities. This will happen in india as well. probably in next 5 years.
Hi Raj Bhai, your video are too good. Can you bring someone who has really went bankrupt, worked very hard to clear his debts where he has to face banks, collection agents and family issues and still managed to crack the stuff and achieve success.
you got an intelligent audiance so we get to when tou try to play smart. please be considerate for your guests to speak completely before you asking next question.
Raj please bring ABHISHEK KAR in the podcast.. He is such a good human with lots of knowledge of the world.. Please bring him.. Eagerly waiting for him to come.. ❤❤🎉
Hey Raj, Great stuff as always. Big fan. I am an IT professional but I do create some real estate content on UA-cam for educational purposes. I myself learnt a lot of new things from the video. Loved this video. Great guest as well. Keep up the great work. Looking forward for more such videos.
Mene phle b msg kr diya hai, isliye me execution me beleive rkhta hu knowledge me kam, aur ab sustainability pe focus kr rha hu, mere pass bahut kush hai aur sab k liye only 5 videos for whole life. Baki quality aur content me frk hota hai, isme thodi quality thi, merko bas puri umar bhar real estate ka sabse bda namuna bnane wale log chahiye, every year spend quant funds on my home I have lots of money but need people who can use that better. Also need employees for lifetime. Baki b bahut kush hai kya pta me CM banun thode din baad, isiliye bola podcast kr lete hain.
One thing we as middle class people should understand i feel is, if a bank is selling something i.e LOAN the end user taking loan is a looser, becoz we cant invest in product which beats loan intrest over a period of say 10 ,20, 30 years. Homes have an occupation certificate for only 50 years and you pay for 30 years as loan is insane
His calculations were wrong at 8:00 First of all, you also need to minus down following expenses: 1. Stamp duty 2. Registration 3. Broker fees (both during buying and selling) 4. Property taxes 5. Interiors and basic setup cost Also, at last you'll be paid up in significant amount of cash which you cannot deploy anywhere except real estate or physical gold.
Hey everyone, I paused the video -9.10 when he was discussing Rent vs. Buy. I grabbed my calculator, but the numbers just didn't add up. Being 24 years old, I started to question my understanding of real estate. Here's my train of thought: Is buying a home really an investment, or is it just a necessary step for marriage🤪? It seems like the only ones profiting here are the developers and agents who sold the property. I personally believe that land holds the most value since it's a finite resource, unlike apartments. However, I could be mistaken. I'd love to hear your thoughts on this.
@@raghvinderjoshi4667 Whereas in Gujarat, you can only pay upto 30% for buying a land or a property. On government books a 1CR flat is costed at 20-25 lakhs. And this is not hidden, this is literally every place. Even adani buildings have "surcharge" on top of the "legal" cost. Which is really bad.
It is soo bad, that EVERY bank gives you 150% loan. Which means if you legally pay 20 lakh for a 1CR flat, bank gives you loan for 150% of 20 lakh, because they know the 'actual' cost of that flat is 1CR, but legally its declared that its 20 lakh. So even banks are involved in this practice.
I thought you should also ask a question on residential and commercial real estate also...I felt missing here.... You focused on only one aspect Please try to get on this also... Happy to see you in next
Genuinely, it is good episode. I got somany insights into real estate. I would like to suggest one thing which you havemissed. It is about investment opportunities in shops and offices. Basically,commercial space.
Many of you have been asking about the interest calculation explained in Podcast.
We have curated a Case-Study to better understand the interest component.
For detail click the link in description to download the case-study.
Best,
Team ASBL
What if peaceful community comes and settle than you see price of mira road 😅
U completely missed out sharing the bit about how China builds in 90days
Raj I a sudden question arrives in my mind if like modi became succeful to become cashless India , and it is going to happen definitely in bjP s this upcoming year term , then the cash will become useless and investements done today for property is 50~60% in cash for single property and rest is shown on real papers ,(showed less for saving tax ) as you already talked ,then it’s very very dangourious to invest in property ,are you getting my point .the rate will become suddenly less than 50%
😊😊😊😊😊😊😊
Around 9:30 time stamp..u explained that 20 lac eventually gave 100% return..but u actually have to consider the rental cost also which one would be paying along with interest on EMI during those 4 years and also the capital gains tax implication which will eventually again be very less return as against a debt fund or obviously stock market
Ajitesh Korupolu is a very brilliant guy and highly knowledgeable guy. Really loved his insight into many things, Thank you Raj.
His calculations in RentvsBuy is wrong.
You cant earn 20L with the investment of 20L in four years.
He said house is of 1Cr, equity is 20L and 80L is loan, after 4 year home price will be 1.3Cr minus 80 loan minus 20 equity and minus 10L loan repayment is 20L profit.
But 10L loan repayment in four years means 2.5L in one year and approx 20K per month..
Your loan EMI is never 20K for the loan amount of 80L.
EMI of 80L loan for 20years will be approx 65k per month. Per year its 7.8L and for four year its 32L..
So if house price go up from 1Cr to 1.3Cr then you are at loss of 2L.. This only if price go to 1.3Cr.. Most cases it wont.
Absolutely correct, 80 lac loan comes at approx 67 k/month EMI for 25year tenure, 67*12*4=32 lac. In fact, we will lose 2 lacs forget about making 20 lac profit.
What he means to say is until Registration will at 4th year, so until Registration is done you have 2 options, one is emi & other is interest payment.
He calculated only interest payment of 10 lakhs.
@@YaseenKhan-tq2yn Agree 👍
@@srikanthraobalmuri2832 I don’t think interest payment will be only 10L.
@@srikanthraobalmuri2832 I don’t think it will be only 10L interest.
Most builders take 90% of money when top floor is completed.. From there to possession it’s a long time.. More over even good builders delay.. After covid, most premium builder give 2 year buffer..
But sales person wont highlight that..
I suddenly smiled when “he said, it does, adhe antunna”… telugu came out naturally😅…@34:15
Raj,your guests are better than any other podcasters....learning constantly from them.Thanks for that....🙂
Thanks buddy, suggest me more guests or topics that I should cover 💯
@@rajshamani please invite any mobile manufacturing company person will tell about smartphones and their dark side
@@rajshamani pls get kiara advani
@@rajshamani Raj u should talk to stock market menter like POWER OF STOCKS , AND STOCK LEARNERS , ETC
Hey @rajshamani
If possible can you bring founders who has very good sales in marketplaces like amazon?
I would request you to give the guest more time to speak on a question you have asked for ,so that we may get more insights, overall a great podcast !! Looking forward for more like these 👍🏻
Man really love your podcasts.
No bullshit , wonderful insights and 100% engaging.
No PR talks no TRP bits.
Love it ❤
Brother i am observing in your so many podcast, to turn or change the topic you broke the link of the guest when they are giving there opinion. You should have to wait for complete there POV and then carry on because some time i feel like i want to know more about that specific topic but you divert it suddenly. Think on it its just a little suggestion, otherwise your podcasts are great i loved it and i am enjoying it.....
Absolutely
💯
Even I felt that
Agreed
Even I felt that
Life is short, so make the most of it! Embrace every experience, whether sweet or bitter, and don't waste time complaining. Remember, hard work is the key to success, and it's more powerful than luck. If you agree, show your support.
Realistically, many young people don't have that level of disposable income at age 25 due to student loan commitments or internships, which means a higher annual commitment will be required at a later.
We're all feeling the impact of these high prices, but at least we can afford them. I feel really bad for those who can't meet their basic needs.
I truly sympathize with people with disabilities who aren't receiving help from anybody. Thank you, Anna chitidze seeing my $5,000 investments growing.
Anna chitidze is highly recommended, having confirmed her excellent track record after meeting her at a seminar in London.
My wife and I began our investment journey with a modest $4,500, and we're thrilled to have seen significant returns. Initially i was hesitant to invest, but now I regret not starting with a larger amount.
I knew ASBL is very credible and trusted builder in Hyderabad. Good job guys.
This guy seems broker.
Don't buy in hyderabad
You need to own at least one piece of real estate. Period. It puts you in a different league of peace of mind.
Some people own 12 apples and have their peace of mind. You got an expensive mind and your peace comes expensive too.😂
@@Indianmetalstacker haha. Mind you apples may be seen to be rich man's indulgence.
True... Useless maintaining more than one piece of real estate.... Too much headache
Raj, another gem of a conversation. Please bring on more guest of real estate sector, this being a very big field diversity wise alongside being a highly capital intensive sector, more of auch guests would be heartly appreciated.
Wow Raj I really Loved the whole conversation between you and Ajitesh,( it was so realistic).
Great!
U missed one question "how & why China made a building in 90 days and India can't, what's the technology differences ?
Absolutely...i was waiting for insights on this very important point
If you invest in a 1cr apartment you pay 7% stamp duty+Rs.30000 registration fee and 5% GST. So 12.3 lakhs given to the government on day 1. With interest on loan, chances are you will make a loss selling after 4years.
We have to consider tax as well.
Stamp duty of 3 lakhs on an apartment worth 1 crore, 😮
but in January 2023, I paid 1.95 lakh Stamp duty for an apartment worth 26 lakhs only, with 8% GST, otherwise apartment cost was 24 LAC something, in Gurgaon Authority. According to this, the stamp duty paid on an apartment worth Rs 1 crore is much less than the stamp duty paid by me.
(A affordable Housing projects scheme)
🤔🤔
Luckily in gurgaun you dont have to register the apartment till its handed over. You get a registered builder buyer agreement till then for which a much smaller amount needs to be paid
Raj, on multiple occasions you have interrupted your guest while he was explaining something. I am more interested in listening to your guest than your opinions. Let your guest speak first.
Thanks Raj. He was the most knowledgeable guests you ever had on ur show.
Why do we even debate on
"Rent vs buy" for real state and house
My class mate's father died few years ago but his father made a big house
They gave that house on rent and
They get good money per month
If you can buy house then you must
It gives you and your family a mental satisfaction too.
I had booked an apartment soon after my marriage and the builder had given me possession within the stipulated period of 4 years. But I still live on rent and I have also rented out my apartment. But I paid 6000/pm rent in a Tier 3 city and receive the rent around 21000/pm for my apartment in a Metro city.
Good insightful podcast but I wish Raj would have let the guest speak more and interrupt less. Let the guest speak more.
I am actually new to all this but fortunately for I was introduced to Mr Ronal’ and I want to say a big thank you for sharing your knowledge with me and I’m also earning more than I expect. God bless you sir
he’s mostly on Telegrams, using the user.
@R o n a l f x 2.
Thank you Ronal’ for your TA 💯. I'm excited how my trading is going so far. I'm on $1m challenge right now. Already earning $35k weekly
His technical analysis is excellent and his interpretation/projections of the market are so accurate’ The point is Ronal’ is the perfect trader to follow for advice and guidance
Ronal’ strategy has normalized winning trades for me and it's a huge milestone for me looking back to how it all started.
In Gurgaon, there is no flat in 1 crore rupees. Even if you stay 25 kms away from the offices area(say Golf Course Road), the minimum amount needed for a decent flat is 1.75 to 2 crore. All the new launches are coming around 16 to 20K per square feet. It is all overhyped property prices in Gurgaon. So, better stay on rent.
It's foolishness to invest in gurgaon real estate at this point
You need to let the guest speak more..he is the expert..though you have done your research..this is not a debate..but discussion and knowledge gain session
1cr flat with 80 lac loan- intrest rate 9.4%, 20 years, emi 71k then for four years only intrest amount will be 30 lac. If you sold @1.3cr after 4 years means no profit at all. But you loose intrest for your own 20lacs
Exactly. He said 10 lakhs f or 4 years as interest at 10% pa. He’s got his calculations completely wrong.
Agree
He is talking about investing in newly launched under construction property. No builder asks for 100% payment upfront, payment is generally construction linked. So he is alright about the loan interest calculation.
Nobody even talking about capital gains taxation implications
Agree
Loved the podcast with Mohit Yadav. Loved the humility the guy has.
सर, मैंने ये पूरा एपिसोड देखा रियल स्टेट के ऊपर बहुत ही अच्छी जानकारी दी गई, बस इसमे मुझे एक सब्जेक्ट छुट गया, वह है आपने RERA के ऊपर कोई प्रश्न नहीं पूछा, बाकी बहुत शानदार आप कार्य कर रहे है,
Great Podcast. Knowledge Packed. Certain alarming and upcoming trends could have been covered viz. Sustainability in Real Estate - Particularly Building Built Housing and Commercial Projects, Luxury Real Estate, Real Estate Investment Trusts (REIT), Future of SOHO and Studio Apartments, More Details on Debt-Financing, Unique Investments viz. Buying Hotel Rooms. Overall Great Work Mr. Raj Shamani, I appreciate the ease and the gentle demeanor with which you create positive insightful conversations.
Amazing work Raj, sometimes your questions are to long and has multiple questions in it, which confuses the Guest as in what to answer and as a listener what to expect. Thanks so much do well your content really helps us. I believe you should also do a podcast on most of the Indian businesses are run by families in India small to big companies,Lacks professionalism so called Lala companies and how is it affecting the young generation and the ones who were working for very long time in the organisation. is there really growth and professionalism which is given importance, or it is just go with the flow and be the bosses favourite till your retirement.
It really was a great podcast. Thanks Raj sir for bringing it to us. Looking forward to more commercial real estate videos. thanks a lot again!
One home is a must , you can’t calculate returns on real estate investment just on basis of rentals you also have to consider the capital gains over the years I know people who bought flat in 8 lakhs in pune Hinjawadi area in 2005 now selling the same units in 90 lakhs this is almost 10 X times excluding the rentals.
I am consultant working since 12 years -
See below things before buying.
1. Buy in new location
2. Buy cheap
3. Buy good developer known in city or may be listed Co or known developer in country
4. Don’t buy furniture
5. If you want to sell in 2 years put a clause in agreement so that you get your stamp duty return
6. Buy middle floors units
7. Buy Vastu complaint units
8. Buy outright plot projects avoid lease plots projects
9. Buy through a channel partner who is knowledgable
10. Avoid loans in early stages
If you buy a house worth ₹1 crore now, you won't be able to sell it for ₹10 crore in the next 20 years, as used to happen 20 years ago when houses were priced at ₹8 lakh and are now ₹80 lakh. Real estate in India is highly overpriced, with builders making 5 times the cost when they sell to you. Real estate has now reached its saturation point. Salaries of Indians cannot touch ₹1 crore in the next 20 years unless the country's economy becomes equal to that of the USA. Even in the USA, real estate does not function like it does in India. In India, many builders' constructions are scams, and one day, this bubble will burst. Take a screenshot of this.
Hello Raj.....your podcasts are way better than Ranveer (TRS). Your guests are awesome 👍🏻. Your conversations are very intellectual.
I have been following many podcasters......but I enjoy yours. Because your questions are very good. No drama....No hypocrisy.....No chatugiri like TRS. Very clean conversations.....and you have improved yourself alot.
Just one thing from this podcast that.........your host missed out on PUNE. As I am into real estate.....PUNE is favourite city of investors.
Thank you ❤
Galat hai ye kehna kee property humesha appreciate karti hai. Flats toh nahi karte appreciate humesha. Yes, khud ka ghar hone ka mental peace is unmatched.
Keep doing such podcast. Brother the research u do before any podcast is amazing.
Raj podcast is continuously improving and makes sense and giving knowledge in a more clear manner, where as Ranveer Allahabadia content is getting irrational and stupid gradually.
Great work Raj
Your podcasts are excellent. It would enhance the experience if you allowed your guests to speak without interruptions. Remember, when you invite someone on your show, it's to benefit from their expertise, not to overshadow it with your own
बहुत ही अच्छा टॉपिक था पॉडकास्ट का।🎉❤❤
Very intresting & knowledge based - Great job.
A suggestion - Give the guest more time to speak keeping ur question Crisp
This logic is based less rental yield because 1st you don't have 1cr cash to buy house hence you leverage,
2nd now rental yield is 2% after 10 year property will be 80%+ value and 1.8cr pe rental yield dekhoge to you will get 4% and so on.
3rd you will have roof on top of you if you go broke and want to return at least you will have your own place to return
Only think is wait calculate and then decide.
Hyderabad is the fastest growing city imo also Pune too is growing as a key real estate player, also Surat. Good opportunities here as prices are not that high still and development potential is huge. And the best investment advice my father gave me in real estate is rent in tier 1 city, buy flat/comm in tier 2, and buy land in tier 3/villages.
how does that work
@@ananda.hx7I will totally disagree with you because please check below:
→If you buy a house:
If you buy a flat worth of 1 Cr let's assume that 20 L Down payment and 80L for emi @9% so have to pay approx 71000 for month for 20 years. So you ended up with the value of 3.25Cr Flat okay.
→If you rent a house.
So consider the avarage rent for whole 20years is 43000 per month 1 to 1.1CR.
So let's assume that you have invested the 20L into the index fund consider that you get 13% safe side for 20 years & you end up making 2cr with this it self.And sip the 40k on any avarage for 20 years with excluding the rent from it then you will end up making 4.58Cr now include whole amount into one
4.58+2cr=6.58Cr.🔥
Buying a home you end up making 3.25CR
If you rent the home you end you making
6.58Cr🔥.
Note: Only if you make 13% per year in index fund i think next 30 years very bright it can be easily make 16% to 20 % every month
So you can make easily 10CR to 15CR.
Benefits: Easily liquid and no black money💯
Buying house ❎
Investment ✔️
@@ananda.hx7I will totally disagree with you because please check below:
→If you buy a house:
If you buy a flat worth of 1 Cr let's assume that 20 L Down payment and 80L for emi @9% so have to pay approx 71000 for month for 20 years. So you ended up with the value of 3.25Cr Flat okay.
→If you rent a house.
So consider the avarage rent for whole 20years is 43000 per month 1 to 1.1CR.
So let's assume that you have invested the 20L into the index fund consider that you get 13% safe side for 20 years & you end up making 2cr with this it self.And sip the 40k on any avarage for 20 years with excluding the rent from it then you will end up making 4.58Cr now include whole amount into one
4.58+2cr=6.58Cr.🔥
Buying a home you end up making 3.25CR
If you rent the home you end you making
6.58Cr🔥.
Note: Only if you make 13% per year in index fund i think next 30 years very bright it can be easily make 16% to 20 % every month
So you can make easily 10CR to 15CR.
Benefits: Easily liquid and no black money💯
Buying house ❎
Investment ✔️
Don't buy in hyderabad. You will be in loss. All forign companies will go out of hyderabad
@@All-purposefactsNice joke 😂 by a person from capital less city
One of the best power packed pragmatic guest! Learned so much from this one.
एक गुजारिश है राज भाई, कृपया अपने गेस्ट्स से बोलें की वो जहां तक संभव हो हिंदी में ही पॉडकास्ट करें।
Love from Bihar ❤❤
Broooooo yours are the only*** indian podcasts that i like to listen to since they are UNSCRIPTED.
Plz plz for gods sake maintain it!! #builddonttalk
एक गुजारिश है राज भाई, कृपया अपने गेस्ट्स से बोलें की वो जहां तक संभव हो हिंदी में ही पॉडकास्ट करें।
आपका हर शो मेरा पूरा गांव देखता है।
Love from Bihar ❤❤
You should confine or shorten the length of you question , some time few question are 5-10 minutes long , better to divide in part or reduce or avoid lengthy questions , in such way sometime answer may also not attain or remain relevant or so important.
एक गुजारिश है राज भाई, कृपया अपने गेस्ट्स से बोलें की वो जहां तक संभव हो हिंदी में ही पॉडकास्ट करें।
गांव के युवा आपके शोज को बहुत पसंद कर रहे हैं।
Love from Bihar ❤❤
Quality content. I am simply subscribing this channel simply based on its contents.
Rent vs buy is always explained with simple math , but matter of fact is that it is not that simple and the on ground reality is very different
Ajitesh is a very good guy .His strength is transparency and on time delivery . I am one of his customer :)
I didn't know you are from Indore too.. Proud of you. You are doing very good work. Wish you get 10M subs soon. 🤞
I was wating for the podcast Bhai..
Now it's like"Raj Bhai ne podcast dala to dhekneka !!" 😂
Joke's apart....
Really I have learn so much from all the podcast form you bahi..
& Again Thanks a lotttt bahi 💗
Honest feedback, please bring more guest from the field, getting to know stuff from developers is of great help!
Amazing episode, good depths of knowledge were explored alongside sharing of quality knowledge of the real estate sector. A great listen for aspiring developers and other personnel working in this sector. Wise ideologies were exchanged during the episode, please bring more of such episodes, you're truly doing an heroic act putting up episodes like these out for the people.
Please call Amit Sangwan of Sango Life Sutras, one of the most under rated youtubers
Usi ne Gurgaon ke prices over inflate kar diye hai. 2 to 3 crores minimum is needed for a decent sized flat even in New Gurgaon. So, please don’t call that guy Amit Sangwan to this show, he is creating fear among the buyers and all investors are there in most of the projects
Amit sagwan is best
@@divanshk No one man can shake the market, it isn't that simple.
Ajitesh Anna...u were spot on and that was excellent knowledge which u have laid out for the public to know.😊😊 Raj was also asking his own fears of investing in real estate too. Give one interview a good media outlet or start ur own UA-cam channel about ASBL 😊😊
Wat a podcast! OMG, brilliant. Thank you guys.
Awesome insights!
Being a Realtor its a big help
Thank you so much Raj 👍🏻
Always buddy!! 🔥
Small investors cannot earn from real estate. Builders have hiked the prices do much there is no margin left for any one else.
@7:42 expenses on 80 lac for 4 yrs never be 10 lac...it will be much more, hence profit mergin will be meagre ...
Bank loan rule of thumb 👍 is they give loan up to 5 years of your total net income, now check house hold income in your city , payscale is good source affordability is very huge problem in India
Raj must say its a best podcast I have ever heard but could you ask the little more in detail like about vastu , how to identify good location and how to check genuiness of property
Thank u raj for an amazing podcast…the host is so humble n real down to earth person…the way u ask questions is so authentic coz I’ve done diploma in journalism n I know this stuff…I wish I knew how to make podcast…I would love to interact with u…anyways…keep up d good work bhai…god bless u….❤❤
Amazing airport mall analogy Raj… great work buddy
Sahi kaha bhai 4ra pe jo live events hoti hai na, woh sabse best hote hai, full excitement
Elan, a Gurgaon based group cheated me by selling their project Elan- The Mark in June'23 which dint have RERA & till date does'nt have one, but not refunded my booking amount.
Let the buyer be aware
How much
Bhai 4rabet pe Finch ke saath events dekh ke toh dil khush ho gaya, real entertainment
Great podcast. You have excellent guests and you are very well prepared with your questions. Your channel is a great source of knowledge and information. Just one point; at times it appears that you are not giving adequate time to the guest to answer your question in detail.
This guy has superb knowledge, i am doing same thing which he mentioned , how anyone can earn money from real estate
Such more podcasts are necessary to understand the overall reality of construction business.
I loved this episode, instant follow and like from me. I loved the part where we discussed about profile financing. We saw how the bubble was made when supply shot the roof. I wanted to know how it poped so that I can understand how I can still take the advantages that they are providing but also have my own way to keeping a security, that is another layer of financial engineering that a customer can keep.
As usual an amazing episode .Both of you are very good. The tips shared are very useful. And yes , I agree with you Indore is the place to be , again, purely because I have beautiful childhood memories of that city, ha ha.
Bhai Aaron Finch ke saath 4ra events aur bhi bright aur better ho gaye, real fun hai
People like Nithin Kamath and Sharan Hedge has a lot of money that they can stay on rent for a years and inflation/job insecurity doesn’t matter to them. Please consider this point also.
Hey Raj, you bring good content with most experienced people. Please bring in more content on Financial/investment management
06:48 Interests Calculations, How Come we Pay Just 10 Lakhs interest for 4 Years on 80 Lakhs loan. Even if interest rate is 6% p.a. it amounts roughly 4.8Lac x 4 Years = 19.20 Lacs. Also we are ignoring the Registration Costs and Stamp duty expenditures
→If you buy a house:
If you buy a flat worth of 1 Cr let's assume that 20 L Down payment and 80L for emi @9% so have to pay approx 71000 for month for 20 years. So you ended up with the value of 3.25Cr Flat okay.
→If you rent a house.
So consider the avarage rent for whole 20years is 43000 per month 1 to 1.1CR.
So let's assume that you have invested the 20L into the index fund consider that you get 13% safe side for 20 years & you end up making 2cr with this it self.And sip the 40k on any avarage for 20 years with excluding the rent from it then you will end up making 4.58Cr now include whole amount into one
4.58+2cr=6.58Cr.🔥
Buying a home you end up making 3.25CR
If you rent the home you end you making
6.58Cr🔥.
Note: Only if you make 13% per year in index fund i think next 30 years very bright it can be easily make 16% to 20 % every month
So you can make easily 10CR to 15CR.
Benefits: Easily liquid and no black money💯
Buying house ❎
Investment ✔️
*Do a podcast with Aacharya Prashant on climate change*
Some very good insights on trends but I myself operate in Real-estate space & I disagree with a few inputs.
I believe Flats are meant for living & using. Their value might increase marginally over time.. but Land per se is a better investment over time & even ground floor retail commercial. Many other nuances are also involved in Real-estate Investment.
If someone tap on your video that means the person will watch your video, and you are saying go and watch shorts,is it NONSENSE
For upcoming videos ... But i don't think you are mature enough for this video as well 😅
Real Estate made money in last 20 years does not mean it will keep on appreciating. China property prices dropped 70% in rural and top cities. This will happen in india as well. probably in next 5 years.
Phenominal vlog brother... Keep it up
Please I want that article link, where it is that 20s are making more money than 30s. I really wanna read it
Hi Raj Bhai, your video are too good. Can you bring someone who has really went bankrupt, worked very hard to clear his debts where he has to face banks, collection agents and family issues and still managed to crack the stuff and achieve success.
you got an intelligent audiance so we get to when tou try to play smart. please be considerate for your guests to speak completely before you asking next question.
Would be nice to get a podcast on ‘how to manage and maintain a real estate portfolio when staying yourself afar?’
bhai yar samne vale ko apna sentence pura karne diya karo. please don't interrupt them in between. By the way great work .
Raj please bring ABHISHEK KAR in the podcast.. He is such a good human with lots of knowledge of the world.. Please bring him.. Eagerly waiting for him to come.. ❤❤🎉
Nah bhai taj shamani femos ho jayga
Hey Raj,
Great stuff as always. Big fan. I am an IT professional but I do create some real estate content on UA-cam for educational purposes. I myself learnt a lot of new things from the video. Loved this video. Great guest as well. Keep up the great work. Looking forward for more such videos.
Raj I just want say , Pls allow the guest to answer the question completely and Than ask the next question.
20s main waise bhi kon pocket money se Buy home... Good Advertising platform for Builder to sell houses.
Mene phle b msg kr diya hai, isliye me execution me beleive rkhta hu knowledge me kam, aur ab sustainability pe focus kr rha hu, mere pass bahut kush hai aur sab k liye only 5 videos for whole life.
Baki quality aur content me frk hota hai, isme thodi quality thi, merko bas puri umar bhar real estate ka sabse bda namuna bnane wale log chahiye, every year spend quant funds on my home I have lots of money but need people who can use that better.
Also need employees for lifetime.
Baki b bahut kush hai kya pta me CM banun thode din baad, isiliye bola podcast kr lete hain.
One thing we as middle class people should understand i feel is, if a bank is selling something i.e LOAN the end user taking loan is a looser, becoz we cant invest in product which beats loan intrest over a period of say 10 ,20, 30 years. Homes have an occupation certificate for only 50 years and you pay for 30 years as loan is insane
Aur 4RA ka reward system bhi awesome hai bhai, har baar kuch naya jeetne ko milta hai
His calculations were wrong at 8:00
First of all, you also need to minus down following expenses:
1. Stamp duty
2. Registration
3. Broker fees (both during buying and selling)
4. Property taxes
5. Interiors and basic setup cost
Also, at last you'll be paid up in significant amount of cash which you cannot deploy anywhere except real estate or physical gold.
Refreshing man. This was good. Learnt a lot. Thanks.
good podcast👍👍
Really good conversation.
I think you have to let the speaker talk more😊
Absolutely correct
so true . .👍
Shortly Insightful, Coudln't get the Rate interest rate as 2 percent and then fb, rent interest is monthly earning and fd is yearly earning
Hey everyone, I paused the video -9.10 when he was discussing Rent vs. Buy. I grabbed my calculator, but the numbers just didn't add up. Being 24 years old, I started to question my understanding of real estate. Here's my train of thought: Is buying a home really an investment, or is it just a necessary step for marriage🤪? It seems like the only ones profiting here are the developers and agents who sold the property. I personally believe that land holds the most value since it's a finite resource, unlike apartments. However, I could be mistaken. I'd love to hear your thoughts on this.
Incorrect. In Ahmedabad, you cannot purchase any property paying 100% of the money by cheque.
In Mumbai and Pune you can buy flat from a reputed builder with zero cash and all cheque.
@@raghvinderjoshi4667 Whereas in Gujarat, you can only pay upto 30% for buying a land or a property. On government books a 1CR flat is costed at 20-25 lakhs. And this is not hidden, this is literally every place. Even adani buildings have "surcharge" on top of the "legal" cost. Which is really bad.
It is soo bad, that EVERY bank gives you 150% loan. Which means if you legally pay 20 lakh for a 1CR flat, bank gives you loan for 150% of 20 lakh, because they know the 'actual' cost of that flat is 1CR, but legally its declared that its 20 lakh. So even banks are involved in this practice.
Raj ..why are you so cute ❤..and thanks for uploading such an informative video.
Wish you more success in future..
I thought you should also ask a question on residential and commercial real estate also...I felt missing here....
You focused on only one aspect
Please try to get on this also...
Happy to see you in next
Genuinely, it is good episode. I got somany insights into real estate. I would like to suggest one thing which you havemissed. It is about investment opportunities in shops and offices. Basically,commercial space.