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
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.
Now imagine how difficult it is to meet those simple needs if income is limited to a monthly Social Security check. Unfortunately, millions of people now face that life-sobering challenge because they could not set and address their investment goals earlier in life.
I truly sympathize with people with disabilities who aren't receiving help from anybody. Thank you, Anna chitidze seeing my $5,000 investments growing.
WOW! You just mentioned Anna chitidze Indeed, that woman has been an incredible mentor to me, imparting a deep understanding of the economy that I wish college had provided.
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.
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.....
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.
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
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.
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
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 👍🏻
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..
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 ✔️
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.
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.
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.
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.
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
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.
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.
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 ❤
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.
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
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
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
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,
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.
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%
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 💗
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.
@@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 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….❤❤
Guess is not touching the corruption side in real estate deeply he is just escaping from such questions such as political relations, police court etc I know a bit how things operate in this industry as my father have his very influential and powerful foothold in our district as neighbour districts too. It all operates on connect and hard power i.e gunda raj involving guns which is very common
For the example given in the video for 1 Cr Property, people are considering interest for the whole 80 Lacs you have taken. Banks don’t release the loans at once for under constructing properties, they release it in Phases. Until the last phase of the amount they will only charge you the interest. For example…1st, 2nd, 3rd…20Lacs respectively…4th & 5th…10 lacs respectively. Hence the interests are charged according to the phases they release. For four years the interest would be around 14-15 Lacs and not 20 Lacs. Also people who are not from Hyderabad they might not know but 90% of the locations across Hyderabad will atleast be doubled in 4 yrs and in some areas its thrice as well. Hyderabad’s Real Estate had grown significantly in the past decade that they have given significant returns to its investors.
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 RUclips channel about ASBL 😊😊
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.
I 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 ✔️
For Stock market vs Real Estate Section: People have to understand that it’s not about how much % returns you are making in both. It’s more about how much capital is deployed, In stock market you can invest whatever you have while Real Estate is a leverage play ie You have 20 lacs and buy asset of 1 Cr using home loan. Is something similar possible in Stock market, no. Hence, 6-7% of 1 Cr for sure be better than 15% of 20lacs + EMIs.
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.. ❤❤🎉
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.
Things to Know About China's Property Slump Property sales by value in China climbed pretty steadily from less than ¥1 trillion RMB in 2003 to over ¥15 trillion in 2021, but have since dropped to under ¥12 trillion in 2023. This was the case across both residential and commercial sales.
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 ❤❤
his insights on the strategic timing for renting versus buying are incredibly valuable for navigating the real estate market effectively. Understanding the nuanced impacts of politics and market dynamics on real estate investments can empower investors to make more informed decisions. 🏠
the example which he gave was not correct. when you buy property loan is only approved on registration. plus you pay stamp duty and registry. when you sell you only get cost
You cut him on the point where he was explaining on people earning more in 20s than in 30s. I wanted to know his POV. Not a good practice, you asked him and you are not letting him speak. Just a suggestion. Thank you.
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 ❤❤
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 ✔️
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.
Hey Raj, Nice podcast, btw. I have a constructive feedback, 1. let the expert speak. 2. Listen to his argument patiently. 3. Kindly dont interject in-between answers, rather wait and ask later.
ASBL apartments in Hyderabad have bad flat density. They are giving 125 flats per acre which is why their aparment cost is less not because they are using technology to reduce costs.
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
You should have asked a question about buying a flat to create an asset but not as an investment only. Because many folks buy second flat but don't resale it. They just rent it out.
Water supply in cities builders should talk about it, municipal bodies should be able to supply to high rise more people consuming less space than the same number of people living in low rise or individual homes
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.
What happens when we buy a flat and after 100 years the life expentacy of the building goes down and if the building is demolished what happens to the owner
Raj! I request you to call Nikhil Kamath or maybe both Kamath Brothers on your podcast. And also want you to ask Nikhil specifically what does he meant by 'Bangalore has more of paper wealth than actual wealth'. Amd you can also ask Nithin regarding difference between being fit and healthy.
There are simply no more slots available at Mumbai airport. So, if airlines have to expand in mumbai region, they have to start some flights from Navi Mumbai airport. What adani is trying to do is that they are pushing one complete airline to navi mumbai & airlines have apposed to that.
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.
I 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 ✔️
I 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 ✔️
Being in real estate in indore maybe i can tell more about black/cash-white/cheque matter. Suppose you have purchased a property of any amount. Then builder can only take guidline value (Which is set by state government) payment in white and remaining amount in cash. But why this much headache when buying properties. Because all state governments has made a rule that one can buy and sell real estate at guideline value only. Now we don't even get land for townships at government rate, then after taking land we have to take the remaining permission to develop our township, now we have to spend money to develop the township, we have to make it livable. Now the builder has to spend so much money that how he can sell the property only at the guideline value. Lets forget all that, here Indore development authority has developed some townships and built flats. The prices are 1bhk 16lakhs, 2bhk 35lakhs and 3bhk 51.6lakh lakh rupees. Now when the government itself is not able to follow the rules of the government, then how can any builder follow it?
I like your clips. In this specific case, i feel the guest was defending his business/sector. The reality is that Real estate is a get rich quick scam by builders. I want to hear them explain pricing (how a land at 20,000 rs per sqft that has high rise with 70% open space demands 10-15k per sqft), as i feel people work their rear off to come and fall into this trap. It makes sense to buy once you double your money (lets say MF for 5 years or 10 years to do 1.7x or 3.3x) and then buy without loan, whenever they are comfortable. Own house is a different feeling, agree, but how much money is it worth?
You should have asked questions about financing as a problem for a customer. In tier-2 cities banks are really skeptical about things and require too much documentation which is not even required
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.
80 lakhs @9% for 4 years is 33.85 Lakhs interest (compounded annually)not 8-10 lakhs.So 1Cr house Owner inv 20 Lakhs Bank Loan 80 Lakhs. Sale Price after 4 years 1.30 Cr. Pay 1.1385 Cr.So Ur left with 16.15 lakhs which is a negative return.
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
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.
Now imagine how difficult it is to meet those simple needs if income is limited to a monthly Social Security check. Unfortunately, millions of people now face that life-sobering challenge because they could not set and address their investment goals earlier in life.
I truly sympathize with people with disabilities who aren't receiving help from anybody. Thank you, Anna chitidze seeing my $5,000 investments growing.
WOW! You just mentioned Anna chitidze Indeed, that woman has been an incredible mentor to me, imparting a deep understanding of the economy that I wish college had provided.
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.
Ajitesh Korupolu is a very brilliant guy and highly knowledgeable guy. Really loved his insight into many things, Thank you Raj.
I suddenly smiled when “he said, it does, adhe antunna”… telugu came out naturally😅…@34:15
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
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?
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
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.
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.
Man really love your podcasts.
No bullshit , wonderful insights and 100% engaging.
No PR talks no TRP bits.
Love it ❤
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
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
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 👍🏻
Good insightful podcast but I wish Raj would have let the guest speak more and interrupt less. Let the guest speak more.
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.
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..
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
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!
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
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
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.
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.
Thanks Raj. He was the most knowledgeable guests you ever had on ur show.
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.
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.
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.
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!
Small investors cannot earn from real estate. Builders have hiked the prices do much there is no margin left for any one else.
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 ❤
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.
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 😅
Loved the podcast with Mohit Yadav. Loved the humility the guy has.
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
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
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
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,
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.
Keep doing such podcast. Brother the research u do before any podcast is amazing.
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%
One of the best power packed pragmatic guest! Learned so much from this one.
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
Please I want that article link, where it is that 20s are making more money than 30s. I really wanna read it
Raj I just want say , Pls allow the guest to answer the question completely and Than ask the next question.
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 💗
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.
Try not changing the language much because the guest doesn't speak clear hindi which makes it difficult to understand.
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.
Awesome insights!
Being a Realtor its a big help
Thank you so much Raj 👍🏻
Always buddy!! 🔥
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
Really good conversation.
I think you have to let the speaker talk more😊
Absolutely correct
so true . .👍
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….❤❤
Guess is not touching the corruption side in real estate deeply he is just escaping from such questions such as political relations, police court etc
I know a bit how things operate in this industry as my father have his very influential and powerful foothold in our district as neighbour districts too. It all operates on connect and hard power i.e gunda raj involving guns which is very common
For the example given in the video for 1 Cr Property, people are considering interest for the whole 80 Lacs you have taken.
Banks don’t release the loans at once for under constructing properties, they release it in Phases. Until the last phase of the amount they will only charge you the interest.
For example…1st, 2nd, 3rd…20Lacs respectively…4th & 5th…10 lacs respectively. Hence the interests are charged according to the phases they release.
For four years the interest would be around 14-15 Lacs and not 20 Lacs.
Also people who are not from Hyderabad they might not know but 90% of the locations across Hyderabad will atleast be doubled in 4 yrs and in some areas its thrice as well.
Hyderabad’s Real Estate had grown significantly in the past decade that they have given significant returns to its investors.
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 RUclips channel about ASBL 😊😊
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.
I 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 ✔️
For Stock market vs Real Estate Section:
People have to understand that it’s not about how much % returns you are making in both. It’s more about how much capital is deployed, In stock market you can invest whatever you have while Real Estate is a leverage play ie You have 20 lacs and buy asset of 1 Cr using home loan. Is something similar possible in Stock market, no. Hence, 6-7% of 1 Cr for sure be better than 15% of 20lacs + EMIs.
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
*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.
Things to Know About China's Property Slump
Property sales by value in China climbed pretty steadily from less than ¥1 trillion RMB in 2003 to over ¥15 trillion in 2021, but have since dropped to under ¥12 trillion in 2023. This was the case across both residential and commercial sales.
Yes
@rajshamani - Please allow the speaker to complete their viewpoint and not interrupt with your own knowledge
😂
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 ❤❤
his insights on the strategic timing for renting versus buying are incredibly valuable for navigating the real estate market effectively. Understanding the nuanced impacts of politics and market dynamics on real estate investments can empower investors to make more informed decisions. 🏠
Very intresting & knowledge based - Great job.
A suggestion - Give the guest more time to speak keeping ur question Crisp
एक गुजारिश है राज भाई, कृपया अपने गेस्ट्स से बोलें की वो जहां तक संभव हो हिंदी में ही पॉडकास्ट करें।
Love from Bihar ❤❤
the example which he gave was not correct. when you buy property loan is only approved on registration. plus you pay stamp duty and registry. when you sell you only get cost
You cut him on the point where he was explaining on people earning more in 20s than in 30s. I wanted to know his POV. Not a good practice, you asked him and you are not letting him speak. Just a suggestion. Thank you.
True😢
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 ❤❤
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
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 ✔️
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.
Hey Raj, Nice podcast, btw. I have a constructive feedback,
1. let the expert speak.
2. Listen to his argument patiently.
3. Kindly dont interject in-between answers, rather wait and ask later.
True
I agree
One Life To Live, Live It Healthy, Happy & peacefully NOT WEALTHY
ASBL apartments in Hyderabad have bad flat density. They are giving 125 flats per acre which is why their aparment cost is less not because they are using technology to reduce costs.
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
This guy has superb knowledge, i am doing same thing which he mentioned , how anyone can earn money from real estate
You should have asked a question about buying a flat to create an asset but not as an investment only. Because many folks buy second flat but don't resale it. They just rent it out.
Water supply in cities builders should talk about it, municipal bodies should be able to supply to high rise more people consuming less space than the same number of people living in low rise or individual homes
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.
What happens when we buy a flat and after 100 years the life expentacy of the building goes down and if the building is demolished what happens to the owner
Raj! I request you to call Nikhil Kamath or maybe both Kamath Brothers on your podcast. And also want you to ask Nikhil specifically what does he meant by 'Bangalore has more of paper wealth than actual wealth'. Amd you can also ask Nithin regarding difference between being fit and healthy.
There are simply no more slots available at Mumbai airport. So, if airlines have to expand in mumbai region, they have to start some flights from Navi Mumbai airport. What adani is trying to do is that they are pushing one complete airline to navi mumbai & airlines have apposed to that.
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.
I Have tens of houses in HYDERABAD, Telangana but after all i realized worst investment is Real Estate, Dont invest in Real Estate.
Don't invest in hyderabad
Why bro how can you say don't invest in real state??
After 20 years, 70% of your salary will go to paying rent. Then you will realise why buying a land or house is a great decision
I 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 ✔️
I 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 ✔️
Being in real estate in indore maybe i can tell more about black/cash-white/cheque matter.
Suppose you have purchased a property of any amount.
Then builder can only take guidline value (Which is set by state government) payment in white and remaining amount in cash.
But why this much headache when buying properties.
Because all state governments has made a rule that one can buy and sell real estate at guideline value only.
Now we don't even get land for townships at government rate, then after taking land we have to take the remaining permission to develop our township, now we have to spend money to develop the township, we have to make it livable. Now the builder has to spend so much money that how he can sell the property only at the guideline value.
Lets forget all that,
here Indore development authority has developed some townships and built flats. The prices are 1bhk 16lakhs, 2bhk 35lakhs and 3bhk 51.6lakh lakh rupees. Now when the government itself is not able to follow the rules of the government, then how can any builder follow it?
I like your clips. In this specific case, i feel the guest was defending his business/sector. The reality is that Real estate is a get rich quick scam by builders. I want to hear them explain pricing (how a land at 20,000 rs per sqft that has high rise with 70% open space demands 10-15k per sqft), as i feel people work their rear off to come and fall into this trap. It makes sense to buy once you double your money (lets say MF for 5 years or 10 years to do 1.7x or 3.3x) and then buy without loan, whenever they are comfortable. Own house is a different feeling, agree, but how much money is it worth?
Till your are on EMI that’s property is not yours that’s banks properties/ assets don’t forget that
Hey Raj, you bring good content with most experienced people. Please bring in more content on Financial/investment management
You should have asked questions about financing as a problem for a customer. In tier-2 cities banks are really skeptical about things and require too much documentation which is not even required
Would be nice to get a podcast on ‘how to manage and maintain a real estate portfolio when staying yourself afar?’
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.
Raj u started asking a question at 13.07 and stopped at 14.27
Are you trying to compete - Beer Biceps ?
Developers generally price the flats 30 % above market price , add the uncertainty makes it the riskiest prospect.
Sticking to cricket myself. There’s nothing like putting a bit of strategy behind your bets, right
80 lakhs @9% for 4 years is 33.85 Lakhs interest (compounded annually)not 8-10 lakhs.So 1Cr house Owner inv 20 Lakhs Bank Loan 80 Lakhs. Sale Price after 4 years 1.30 Cr. Pay 1.1385 Cr.So Ur left with 16.15 lakhs which is a negative return.