I already having a mutual fund portfolio getting good returns but want to get reviews by an expert like you. I started in 2018 mid year and till date investing and using SIP way. Need to get it checked as how much I would accumulate by 2028/2030 maximum. Investing around 40K PM. One more thing I am having some equity shares in my Demat Account and need to get reviewed also. I have invested decent amount in it. I want to make a nice equity portfolio from Long term perspective around at least 4 to 6 Years.
you haven't counted in mid-tire towns. I'm staying in town here if you build a house it costs you around 40 lakhs to 41 lakhs for building 7 - 1bhk and plot costs another 20 lakhs which gives a rent of 5.5 thousand rs every month .5.5*7 which is quite less than the interest I pays. I found it is better to build houses in towns where industries existed near the towns than buying the flats in cities which we doesn't own
Buying a house in the outskirts of the city and constructing the house after a decade is a far better option. You won't feel financial burden and you can choose the quality of construction yourself for your house.
Akshat, buying a land is pretty complex given we do not know whether i am buying a genuine land or not. Property papers are correct or not etc. Can you make video on that?
Hire a lawyer especially real estate lawyer from your government property office ie. Kacheri they will taken care off all your headache about real land .
Land law is not effective in India, we can find 100 loopholes even in a genuine land. They can drag you to the court nowadays lawyer does this full time their job is to find loophole and exploit it. Our court system is such that to serve justice can take easily 15-20 years by that time one person life span completed(I mean his career life) by practical we are facing from civil court we won then they put in high court then high court we won now they put miscalenous case. The story won’t end here after we get that case also won then we have another world called execution court. Till india have proper land reforms act and judicial time bound or ensuring a challenging case they have to keep heavy amount in court if they really want to challenge all this reforms are long way to go in India for both land reforms and judicial time bound. Till that don’t waste time, effort and energy in buying land rather look for other alternatives investments like Gold/Equity/Debts etc even worst case still FD is better than all this hassles.
very early in my career i brought a small land in Dehradun for just 3 lacs.. i made 3 shops there.. rented them for over 12year now and rest of the land i sold of recently for 80 lacs.. thats 15 years total and i still own those 3 shops...i never had such returns in equity.. hence i swing nifty 50 when its down and i invest 20% of my investment portfolio by myself in equity where as 60% still goes in buying lands in tier 2/3 cities.. 5% in crypto..I like all the logics in this video..great stuff @Akshat
All these factors should be taken into consideration when you consider real estate as an investment. Owning a home for self use has a more emotional feel to it
India mein tiny house ka style shuru hona chahiye. Bade gharon mein rehnewale log kam ho rahe hain, tab bada ghar khaali aur boring lagta hai. Ghar chota aur cute rahe toh acha hai but garden bahut badaa hona hai.
In Bangalore however the property rent and buying prices have gone up crazy..~10% increase each year or even more than that in the most popular areas like sarjapur,bellandur etc. Even in whitefield.And all the places rental yield has become >6.5% easily..It is not only 3% any more so more and more people are buying multiple properties(apartments/villas)
11:06 agree with you Akshat, one of the major problem here in Goa.. and also most of the properties are disputed and if you are outsider you won't get any help from government office. Very good analysis considering you have just recently shifted to goa
Superb content sirjee! Extremely helpful it is! Cld you pls make a video on buying a super inflated flat in tier 1 cities VS buying a villa/rowhouse in tier 2 and tier 3 cities. I GUESS, it will be a great video.
@akshat - Great video but I was surprised you did not talk much about the hidden cost of high interest rates - over a 20 year period at current Interest rates - you would end up paying almost equivalent amount of interest as the property base cost - the second point I though you probably should cover is cost of maintenance of property and the kind of tax benefits that families can get by buying and renting
One opposite view: in time of our parents rented yields were high not because rent was high but because price of the property was lesser !! In my city in 2008 price of property (3 BHK apartment) was 8-10 lacks max 12 lacks now it is 80-85 lacks having CAGR ~ 17% which is not achievable for tier-II/III City!!
@@a.yashwanth intention was not to compare it with stock market effects however there was little impact on tier II/III Cites of BIMARU state in real estate markets affected by stock crash. Yes in 2006 prices were bit lower than 2008. It all begins with starting nexus of land mafia as liberalization reached with delay in these backward cities!
I was expecting this video. Thank Akshat. Edit: Kindly make a more detailed video around how to by properties, the selection, the paperwork as well as the financing and by property I mean commercial property. Help us with your experience. Kudos to you for spreading the knowledge.
Again u do nt seem to be insisting on the liquidity aspect of an investment portfolio which in my opinion is most important as and when require money v hv to hv it and hence v invest in shares like Hdfc. Group HUL ETC THIS POINT U SHUD BRING TO TJE NOTICE OF THE GUYS
Really very very helpful tips while buying real estate. Next time Pl give some tips for buying new / old flat in an apartment complex developed by reputed builders / companies. Thank you
I wish i could do a 100 likes to ur each videos... But i cant😄 seriously, thats the level of ur content AKSHAT. pls keep it up... We need more real and practical content of urs.
I am planning on buying house and this video was very helpful, looks like I got some of the calculation correct, I need to work on some other stuff, please do make a video on buying a car, would be great to have that knowledge in the back of my mind.
Am jagdish and wud like to add one important view point and that is the liquidity of real estate investment is very low meaning thereby that when and if u want to sell it u never can
Hi Akshat, could you please do a similar analysis with all such calculations for a car. My husband has to commute daily by car and it is quite necessary for him so car is required for us but such generic calculations before buying a car will be really helpful
NBCC, a navratna PSU is one to be very careful about... Booked a flat at their project in Kochi (Kerala) in 2013...ten years down, the Navratna company is unable to get statutory clearances fir the project and people are paying costly home loan installment without any house to live.... And yea the navratna PSU scarcely responds to communications
Thanks for posting this insightful video Akshat!. These may seem trivial and not decisive, but absolutely should be kept in mind while going for any real estate. Please keep videos like these coming through. I am very excited about you trying to build a real estate portfolio and your though process/research around getting this accomplished. Thank you and all the best!
Sir, plz make a video on how real estate has performed in times of recession. As the recession is at doorstep. Also, plz discuss about smaller towns as well like ahmedabad, rajkot
Let me correct you, the deposit for 1 crore house can be easily 2 lacs which will be 1500 per month. Let’s add that plus 10% rent appreciation next year plus property value appreciation which will total to be around 9-10%
First part of the video information is good . Second part is bit misleading. You can find the architect who can do the construction rather than going to the builders . Also based on the previous builder you can find who the quality of the work So booking the house from the builders during the prelaunch who increase the profit margin rather than buying at the end
I like your videos. But no one will invest 4 cr in one go. If 80 lakh is down payment, then the % return should be on 80 lakh and not 4 cr. This is where many real estate calculations are done wrong. I hope you will take this point in consideration or prove me wrong If I am wrong. Thanks for your videos. Very helpful so far.
Akshat, Thanks this is of great insight, hoped someone would have come up with this kinda video when I purchased 🙂. Would like to request you to make similar video on purchasing commercial property.
It will take a lot of time to gather the downpayment itself if you have good income but no prior wealth...I would say it will take 4-5 Year if we decide to save 30% of current income every month.
can you please make a video on your experience with legal due dilligence. I am having really hard time finding a good title property. How is it going for you?
I require some advice regarding property purchase. I am considering buying a property worth 60L. My father is offering 40L in cash and suggesting that I take a loan of 20L. Although he can afford to pay the total amount without a loan, he proposes this arrangement to help me save on taxes. I am unsure about taking the loan and would appreciate your suggestions. Alternatively, if there are any other options, please advise me accordingly.
Fantastic video, highly insightful. Loved the point about a contractor and garbage picking.. really insights nobody will tell you. Eagerly waiting for more insights on real estate.
The ratios that have been told in the video - all cannot be ticked at once. The disclaimer at the end itself proves that, not denying that those arent facts but still how practical a world can be?
What you have told it's very true, the formaulae I think varies a lot on location of the property. We have a flat, though it's not bought, but it's a small 1bhk apartment in South Kolkata 480sq ft. The rent of the apartment is 16000 per month as of now, since it's a fully furnished property. And the cost of the flat in that area is roughly 27-28lakhs only. Even if I substract 3months rent for maintenance, tax, brokerage earning would be (16,000*9) = Rs 1,44,000 so per year yield calculated would be 5.14%
Hi Akshat The property has been appreciated by 30%-40% in last 2+ years in Sectir -150 Noida. Low density area and also known as sports city. What is your take on it. So I am specially talking about of Pan India builders with exception in undercontruction project. Such as : Tata / Godrej / ATS etc. 5500-6000 gone upto 7500-8000 Sq. ft.
post covid era is totally different, rent is sky rocketing and unjustified. Now I feel that my decision to buy property for personal use was correct as rents are simply unaffordable.
What is the real value of gold ? Can you please make a video on how quickly to complete the education loan or if we pay just the emis will that be useful to us in the long term Please make a video on car buying also
Hi Akshat, I have a question ,If some one(Salaried person) has enough money to construct the entire house without any loans, Should they follow that route? or taking the loan for (say 40%) and invest the rest of the money in High return(like equity)? Pay EMIS every month.
You always say take debt for commercial property which can generate positive cash flow, but i dont understand how? Won’t i just endup paying the monthly from that rental income? Where is the money in my pocket?? Help understand
Hi Akshat, Really good video... You are really talking about the practicality of real estate investment... Way to go... Look forward to more videos on investment in real estate..
►My new stock market course starts in October 2022 [SEATS FILLING FAST]. Read all the details here:
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I already having a mutual fund portfolio getting good returns but want to get reviews by an expert like you.
I started in 2018 mid year and till date investing and using SIP way.
Need to get it checked as how much I would accumulate by 2028/2030 maximum.
Investing around 40K PM.
One more thing I am having some equity shares in my Demat Account and need to get reviewed also.
I have invested decent amount in it. I want to make a nice equity portfolio from Long term perspective around at least 4 to 6 Years.
you haven't counted in mid-tire towns. I'm staying in town here if you build a house it costs you around 40 lakhs to 41 lakhs for building 7 - 1bhk and plot costs another 20 lakhs which gives a rent of 5.5 thousand rs every month .5.5*7 which is quite less than the interest I pays. I found it is better to build houses in towns where industries existed near the towns than buying the flats in cities which we doesn't own
@@gauravsuri1732 pp
Will I get tax benefits on the loan taken to buy a land on which I will construct my house??
Hi… do you do a one on one consultation?
Buying a house in the outskirts of the city and constructing the house after a decade is a far better option. You won't feel financial burden and you can choose the quality of construction yourself for your house.
You are right. Sell your high value property and buy your own house in a small city and live peacefully on simple budget without headaches.
Akshat, buying a land is pretty complex given we do not know whether i am buying a genuine land or not. Property papers are correct or not etc. Can you make video on that?
Hire a lawyer especially real estate lawyer from your government property office ie. Kacheri they will taken care off all your headache about real land .
Land law is not effective in India, we can find 100 loopholes even in a genuine land. They can drag you to the court nowadays lawyer does this full time their job is to find loophole and exploit it. Our court system is such that to serve justice can take easily 15-20 years by that time one person life span completed(I mean his career life) by practical we are facing from civil court we won then they put in high court then high court we won now they put miscalenous case. The story won’t end here after we get that case also won then we have another world called execution court. Till india have proper land reforms act and judicial time bound or ensuring a challenging case they have to keep heavy amount in court if they really want to challenge all this reforms are long way to go in India for both land reforms and judicial time bound. Till that don’t waste time, effort and energy in buying land rather look for other alternatives investments like Gold/Equity/Debts etc even worst case still FD is better than all this hassles.
get it verified from lawyer
LLA have made a good video about this
Try with a Plot loan. Since Bank verifies all the legalities of the plot and documents in order, it will be safe to check with bank and lawyer.
very early in my career i brought a small land in Dehradun for just 3 lacs.. i made 3 shops there.. rented them for over 12year now and rest of the land i sold of recently for 80 lacs.. thats 15 years total and i still own those 3 shops...i never had such returns in equity.. hence i swing nifty 50 when its down and i invest 20% of my investment portfolio by myself in equity where as 60% still goes in buying lands in tier 2/3 cities.. 5% in crypto..I like all the logics in this video..great stuff @Akshat
All these factors should be taken into consideration when you consider real estate as an investment. Owning a home for self use has a more emotional feel to it
1. House price 40, max price
Yes planning to buy..but there is so much that pre work that goes into it. Thanks for the video. It helps!
India mein tiny house ka style shuru hona chahiye. Bade gharon mein rehnewale log kam ho rahe hain, tab bada ghar khaali aur boring lagta hai. Ghar chota aur cute rahe toh acha hai but garden bahut badaa hona hai.
Finally Real estate video !! Please do a lot more videos of paper works, buying process, etc..
In Bangalore however the property rent and buying prices have gone up crazy..~10% increase each year or even more than that in the most popular areas like sarjapur,bellandur etc. Even in whitefield.And all the places rental yield has become >6.5% easily..It is not only 3% any more so more and more people are buying multiple properties(apartments/villas)
11:06 agree with you Akshat, one of the major problem here in Goa.. and also most of the properties are disputed and if you are outsider you won't get any help from government office.
Very good analysis considering you have just recently shifted to goa
Thankyou so much Akshay beta you are taking so much pains to make us understand each and every point
I have did a SWOT analysis of buying a home decision and came up with beautiful conclusion.
Thanks for your comment, What'sap me with the number showing above for more profitable investment plan.
Formula 3-20-30-40 is really useful for salarized people. Thank you Bro
Excellent information.pressed like❤
Good video Akshat, do make a video on buying cars considering people buy cars based on emotion more often rather than purely on rational basis
Superb content sirjee! Extremely helpful it is! Cld you pls make a video on buying a super inflated flat in tier 1 cities VS buying a villa/rowhouse in tier 2 and tier 3 cities. I GUESS, it will be a great video.
Feedback appreciated..⬆️
Wanting more info and insight???
WatsApp the number above,
Endeavour to reach out.
@akshat - Great video but I was surprised you did not talk much about the hidden cost of high interest rates - over a 20 year period at current Interest rates - you would end up paying almost equivalent amount of interest as the property base cost - the second point I though you probably should cover is cost of maintenance of property and the kind of tax benefits that families can get by buying and renting
One opposite view: in time of our parents rented yields were high not because rent was high but because price of the property was lesser !!
In my city in 2008 price of property (3 BHK apartment) was 8-10 lacks max 12 lacks now it is 80-85 lacks having CAGR ~ 17% which is not achievable for tier-II/III City!!
how about 2006? You are comparing from the very low during 2008
@@a.yashwanth intention was not to compare it with stock market effects however there was little impact on tier II/III Cites of BIMARU state in real estate markets affected by stock crash. Yes in 2006 prices were bit lower than 2008. It all begins with starting nexus of land mafia as liberalization reached with delay in these backward cities!
@@Ram-js4djindians like u are bimaru brother. Such prejudice political prejudice thought displays your mental status
@@cakebakeproject you must be flying on ur papa’s illegitimate income or you may be relative of corporates 😄😄
I was expecting this video. Thank Akshat.
Edit: Kindly make a more detailed video around how to by properties, the selection, the paperwork as well as the financing and by property I mean commercial property. Help us with your experience. Kudos to you for spreading the knowledge.
Again u do nt seem to be insisting on the liquidity aspect of an investment portfolio which in my opinion is most important as and when require money v hv to hv it and hence v invest in shares like Hdfc. Group HUL ETC THIS POINT U SHUD BRING TO TJE NOTICE OF THE GUYS
This is very practical guide to go about things with some really smart add-on tips !
Thanks for sharing ...
Really very very helpful tips while buying real estate.
Next time Pl give some tips for buying new / old flat in an apartment complex developed by reputed builders / companies.
Thank you
I wish i could do a 100 likes to ur each videos... But i cant😄 seriously, thats the level of ur content AKSHAT. pls keep it up... We need more real and practical content of urs.
Thanks a lot Akshat. Waiting for your video about car.
Thank you, sir it was an informative video you are doing a great job 🙏
When akshats kid ask for something,
Askhat first opens excel to see if it's profitable 🤣🤣
I am planning on buying house and this video was very helpful, looks like I got some of the calculation correct, I need to work on some other stuff, please do make a video on buying a car, would be great to have that knowledge in the back of my mind.
Hello, I'm real estate broker may I help you?
Thank you for this video. Enlightened 👍🏻
Am jagdish and wud like to add one important view point and that is the liquidity of real estate investment is very low meaning thereby that when and if u want to sell it u never can
Very practical view on buying property
Hi Akshat, could you please do a similar analysis with all such calculations for a car. My husband has to commute daily by car and it is quite necessary for him so car is required for us but such generic calculations before buying a car will be really helpful
NBCC, a navratna PSU is one to be very careful about... Booked a flat at their project in Kochi (Kerala) in 2013...ten years down, the Navratna company is unable to get statutory clearances fir the project and people are paying costly home loan installment without any house to live.... And yea the navratna PSU scarcely responds to communications
Yes making video on whether should buying car or not !
Thanks for posting this insightful video Akshat!. These may seem trivial and not decisive, but absolutely should be kept in mind while going for any real estate. Please keep videos like these coming through. I am very excited about you trying to build a real estate portfolio and your though process/research around getting this accomplished. Thank you and all the best!
👆🏽📥 📥
Hi Akshat, could you please do a similar video on property buying tips for NRI’s ?
Yes it's very usefull.
Thank you for sharing this
Good advice given
Appreciate the feedback
What'sap the number above
For more interesting insight
And to build a good portfolio
Sir, plz make a video on how real estate has performed in times of recession. As the recession is at doorstep. Also, plz discuss about smaller towns as well like ahmedabad, rajkot
Let me correct you, the deposit for 1 crore house can be easily 2 lacs which will be 1500 per month. Let’s add that plus 10% rent appreciation next year plus property value appreciation which will total to be around 9-10%
The home emi and rent generally equals out in 5-6 yrs
Please make a video on when should we plan to buy a car...this video is supremely excellent
Wonderful content 👍Thanks for sharing.
Please make a video on commercial property with under construction investment.thanks
Could you make a video on how to decide whether to buy an apartment or individual villa, which one would be a better option?
Scared to send this video to my friend who just bought a house, violating ever single concept you mentioned.
First part of the video information is good . Second part is bit misleading.
You can find the architect who can do the construction rather than going to the builders .
Also based on the previous builder you can find who the quality of the work
So booking the house from the builders during the prelaunch who increase the profit margin rather than buying at the end
Well, Truth is that someone without any inheritance and without an amazing salary / income might never be able to buy a property. Simple as that.
I like your videos. But no one will invest 4 cr in one go. If 80 lakh is down payment, then the % return should be on 80 lakh and not 4 cr. This is where many real estate calculations are done wrong. I hope you will take this point in consideration or prove me wrong If I am wrong. Thanks for your videos. Very helpful so far.
Great sir me personally me as MD doctor, your words really eye opening ❤❤❤
Please do make & upload video on whether one should buy a car or not
Would love to see video on car as well.
Thanks Akshat!
Really appreciate your sincere efforts
can you please elaborate why 20 years loan is better than 5 years or 10 years loan
very helpful. Thank you so much Sir!
Good video, useful to me. Please continue your good work.
Tq so much sir🙏
Really too good information provided. You did great research and hard work to let the people understand a lot….🙏👍
Thanks Akahat for this vedio 🙏
ty sir The formula was awesome 😃😃😃
Akshat, Thanks this is of great insight, hoped someone would have come up with this kinda video when I purchased 🙂. Would like to request you to make similar video on purchasing commercial property.
Great video Akshat !!
Thanks Akshat..keep giving us opportunities to say that....
everyday quality of knowledge is increasing
Great video Akshat! Just love the way you speak! I'm a huge fan! Please do make the video around buying a car...
can you make video on how are you able to do deep work despite different income streams?
Please make video about REIT'S
It will take a lot of time to gather the downpayment itself if you have good income but no prior wealth...I would say it will take 4-5 Year if we decide to save 30% of current income every month.
Whether the rental yield for 4 cr property value example, seems to be 33 NOT 3. Please check.
Informative and good video, would love to watch one on buying a car.
Very very useful and Insightful Video Akshat sir. Thank you sir For the video.
can you please make a video on your experience with legal due dilligence. I am having really hard time finding a good title property. How is it going for you?
Finance at least Personal Finance isn't complicated. Business is complicated
Superb. Pl make a video on buying a car in India
Thank you for this video ❤️
I require some advice regarding property purchase. I am considering buying a property worth 60L. My father is offering 40L in cash and suggesting that I take a loan of 20L. Although he can afford to pay the total amount without a loan, he proposes this arrangement to help me save on taxes. I am unsure about taking the loan and would appreciate your suggestions. Alternatively, if there are any other options, please advise me accordingly.
Fantastic video, highly insightful. Loved the point about a contractor and garbage picking.. really insights nobody will tell you. Eagerly waiting for more insights on real estate.
The ratios that have been told in the video - all cannot be ticked at once. The disclaimer at the end itself proves that, not denying that those arent facts but still how practical a world can be?
Video on purchasing a car please. Can't thank you enough for these insightful videos. :)
What you have told it's very true, the formaulae I think varies a lot on location of the property. We have a flat, though it's not bought, but it's a small 1bhk apartment in South Kolkata 480sq ft. The rent of the apartment is 16000 per month as of now, since it's a fully furnished property. And the cost of the flat in that area is roughly 27-28lakhs only. Even if I substract 3months rent for maintenance, tax, brokerage earning would be (16,000*9) = Rs 1,44,000 so per year yield calculated would be 5.14%
can you please explain in details about how to select emi's for homeloan like a person should go for less emi with long tenure or opposite of it
Not at all agree on renting brackets… now if I talk about dwarka expressway or in Gurgaon and you invest 1cr….you easily get rent ~35-40k…
Hi Akshat
The property has been appreciated by 30%-40% in last 2+ years in Sectir -150 Noida. Low density area and also known as sports city.
What is your take on it.
So I am specially talking about of Pan India builders with exception in undercontruction project.
Such as : Tata / Godrej / ATS etc.
5500-6000 gone upto 7500-8000 Sq. ft.
Noida has huge scams in real estate, 60% houses do not have occupancies but the rate keeps on going up.
post covid era is totally different, rent is sky rocketing and unjustified. Now I feel that my decision to buy property for personal use was correct as rents are simply unaffordable.
We never know if the property rates will increase in next 5 years at least as there is excess demand for real estate post covid
Which age is perfect for buy a home? Also guide home price suitable for me? for more clear my age is 28 yrs and salary 8L
Thank You Sir 😊
Very good video sir 👍🏻
10-15K per day for Contractor to evaluate the quality of construction??
Strange you didn’t talk about location of the property which is one of the key factors to consider.
What are your thoughts on investing in Real Estate via *STRATA* ?
Good information
Very True
Finance is Complex
I disagree with this, I have few properties in Bangalore where the rent is around 40k per 1 crore of investment
Exactly! rental yield in Bangalore is much higher in several localities. I have seen flats even less than a crore are asking for 40-42k rents
Exceptions are not the norm.
@@sumit6bin which localities are these exactly? Because i have seen rent way way lower in Bengaluru
@@raodevikalooks like you haven't visited Bengaluru after Covid . People are paying 30K for 2BHK . At least I am getting
Yeah rents just increased. Now it’s good to invest.
Duplex or rental property ...lifestyle vs returns
can you make video on 20 year loan period ... why we should take loan for so big duration?
Cool insights
FEEDBACK APPRECIATED ⬆️⬆️⬆️
Excellent video
What is the real value of gold ?
Can you please make a video on how quickly to complete the education loan or if we pay just the emis will that be useful to us in the long term
Please make a video on car buying also
Hi Akshat, I have a question ,If some one(Salaried person) has enough money to construct the entire house without any loans, Should they follow that route? or taking the loan for (say 40%) and invest the rest of the money in High return(like equity)?
Pay EMIS every month.
You always say take debt for commercial property which can generate positive cash flow, but i dont understand how? Won’t i just endup paying the monthly from that rental income? Where is the money in my pocket?? Help understand
Hi , can you please let us know Ethereum Merge , stake consensus mechanism and Proof of Work ??
Hi Akshat, Really good video... You are really talking about the practicality of real estate investment... Way to go... Look forward to more videos on investment in real estate..
🚀⬆️