My family along with some relatives are telling me to buy a flat in Banglore and give it for rent, Is it really worth in 2025, getting a home loan and buying flat and renting it out?? And what could be appreciation I am new to banglore and have only 40-50k for investing
RE is a dead investment. With the indexation removed, it's now buried 6 feet under. The last saviour that we hoped for RE for FDi in retail. But that didn't help much
IMO that most people underestimated was the drop in population. Such a steep drop in population was not anticipated. Most people might think, India will not be affected. That's not true. When other countries loose people, the replacement population will be from India. Most countries feel indian population is more law abiding than middle East or African crowd. So people when they move out of India, there is nobody to buy or rent properties in India. Proof of this is the emptying villages right now.
Hey, so here's my 2 cents. Currently the amount of people coming into cities is still high, not sure about the numbers but in my experience I've seen under-construction projects sell out in a few days, so there is demand in the cities especially city centres and you will see a trend of premiumization of houses. Pricing might stagnate for the next 2-5 years but will not go down.
The ultra rich are buying real estate outside the city. Mostly Goa, where I've seen villas sell for 20Cr + so there's a trend of investments going to places with less pollution, and offering a better standard of living.
There is a current market gap of being able to maintain and service NRI properties, like you said when people go abroad it's very difficult for them to maintain their houses back home.
Hey so 2nd gen real estate agent here from Mumbai. On average you get around 4-5% rental value + there is the appreciation from the asset itself. The numbers might be higher in Bangalore considering that it's a startup hub. You can look at commercial shops to invest in. They offer higher rentals. But on average you should look at real estate as a 10-15 year investment. People with more funds can flip houses for higher returns but it's not for most of us.
If you are looking for residential property, buy with a reputed builder, and go for under-construction projects at a presale stage. You can look for easy payment plans like a builder subvention. In this you just pay the 20% down payment + stamp duty and the remaining 80% after possession ( you will save on your EMI)
Any reputed builders suggestion ? I am seeing godrej advertisement all around
How are you thinking of buying a flat, if you have only 40-50k for investing? You will not get even any home loan if you have this much money.
My 2 cents. I believe that FLAT for the purpose of investment to generate revenue is a bad idea. The interest you pay on the flat is around 8-10% and the rental yield is close to 3-4%. Doesn’t make much sense in investing money into something illiquid. If you want to buy an apartment, buy it only for self occupation. Commercial properties are somewhat better it terms of yield, but I think a better option in RE investment is to buy a plot of land , maybe on the outskirts for a better price. Someone once told me that you make money in RE on the buy price and not the selling price. So look for buying cheap.
I told the same to my relatives they are telling, the appreciation of flat is high so interest vs rental yield doesnt make sense
Not for investment. Buy if you plan to stay there.
If investment is the sole purpose buy some commercial properties like small shops. Renting a flat will exhaust your wallet, if their are frequent maintenance works in the house some portion of the rent would go there and you need to pay loan emi out of your pocket.
CTC
I am currently in my mid 30s and I am thinking of purchasing a property near sarjapur road, and currently working as a software engineer in Bangalore, so I want to take the expert opinions of unsung heroes of the finance domain on grapev...
Bro agar grapevine ke finance experts mana karenge tumhe token amount vapas milega ??
What would be a better investment opportunity in Bangalore. Is it worth getting an apartment on loan and pay the emi from rent received? or would it be better to get a land a little away from the city. if yes then which areas would you r...
Hi everyone,
I’ve been considering the decision of whether to buy a flat in Bangalore or continue living in a rented apartment, and I’d love to get some advice from you all, purely from a financial perspective.
On one hand, buying a fl...
Should i buy a 3 bhk in Bangalore which is of 1.5cr or 2cr, and pay the Emi for next 10-20 years. Or i should consider some other alternatives.
