We're moving into a new home from my in-laws, but I need to do interiors and buy furniture, expecting it to run 50-60 lakh. Problem is the flat isn't in my name. It's registered on my wife's parents name and they've taken a home loan on it, so the registration can't move to my wife's name right now.

I earn 1.8L in hand every month, CIBIL 805, zero loans running.

My father has a couple of properties, so one option is loan against property with him as the applicant and me paying the EMI.

Other option is stacking it. Gold loan of about 10L, plus my salary account shows 30L personal loan eligibility, so roughly 40L there, and the rest from an NBFC at around 12%.

Anyone took loan for interiors at this budget without owning the property? What did you end up going with, and is splitting across two or three loans a dumb idea or does it work out fine?

I am selling a piece of land and the actual market rate is higher than the government market rate. My agent is suggesting to deal in black and that this is how things work.

He said that the sale agreement will reflect the government market rate and the rest of the amount will be given to us either as cash or as a personal cheque. I am not comfortable with both these options and want to keep it completely transparent and reflect the actual sale amount in the sale agreement.

Can anyone who has recently done any real estate transaction please let me know the process. I just want to know how things work and that there is hope for a full white transaction. Thank you.

I keep hearing mivan construction last 60-70 years then why dont the builders launch a rental model. A tenants problem is landlord will throw them out or arbitarily increase rent then why dont the builder offer long term lease like 10-15 years. Instead of buying a 2 crore flat i would be happy to pay 30 lakhs upfront and sign a lease for 10 years. Affordability is gone so it should be a win win fir builder and tenant.

If the same thing can work in commercial why not residential.

Im looking at a new construction in my city. The 3bhk costs 71.2L for 1250 sqft carpet area. The salesman is also offering me the demo unit which has interiors done for 86L, which includes high quality materials and is tastefully done.

I'm conflicted if I should go for it or not. On one hand, I wasn't planning on getting much interior work done anyways and probably wouldn't have spent this much for interiors, but that's a guess and I don't actually know how much it would actually cost me to make the house ready to live in.

On the other hand, since many people have visited this flat already, it shows some signs of wear, nothing unfixable but it still is not in the pristine shape as the other non demo unit I was thinking to finalise.

An added benefit of the demo unit is it's on a lower floor (2nd floor), all other lower floor units are sold out and I'd have to buy a higher floor unit if I don't go for this one. Since my elderly parents are going to be moving in as well, a lower floor seems like a more practical choice though I myself prefer the views and airyness of the higher floors.

The salesman also said if I got the demo unit, I would be able to finance all the furniture on the home loan instead of having to buy everything upfront.

Given all this info I'm not sure if I should or shouldn't go for the demo flat. Anyone with experiences buying the demo unit? What are the pros and cons of this, and what negotiation can I use to bring down the price of the demo unit?

Every housing whatsApp group has that one committee member who threatens to cut your water if maintenance is late. Turns out this is mostly bluff but not entirely and it depends on where you live

The general position: Courts have repeatedly ruled that water and electricity are essential services and an RWA has no legal authority to disconnect them to force payment. This isn't a technicality it's been treated as unlawful coercion in multiple consumer forum rulings and RWAs are legally 'service providers' under the Consumer Protection Act

The exception: Telangana is different. The Telangana High Court upheld a specific section of the state's Apartments Act that gives associations the explicit legal right to disconnect for unpaid dues. So if your society is in Telangana that clause can hold up in court. Elsewhere unless your state's Apartment Ownership Act has a similar explicit provision, a disconnection is indefensible.

What RWAs can legally do: charge late fee per bylaws, restrict voting rights, block non essential amenities (gym, clubhouse) and file recovery proceedings with the Registrar of Societies or Cooperative Court.

If you owe maintenance you're still liable and the RWA can and should pursue you for it. What they can't do (outside states like Telangana) is skip the legal process and just switch off your water or power.

I have already posted about this in this subreddit. My 2HBK Navi Mumbai flat is preparing to go into redevelopment. Society has hundreds of flats, so it is taking time, but all owners will get a large 3BHK for sure. Value of the property will almost surely be double.

Every reason to wait right?

But my personal situation is different. I am outside India, aging parents in a different state. I am also expanding my business and need funds. My aunt also has a flat in the same society and I am helping her sell it too, as she is too old to manage it.

Since I am outside India, i keep discussing it with friends and family, and they're firmly against the idea of selling it. They say, you will get way more by holding, but they don't understand that I don't want to wait 5-8 years. What if it gets further delayed? Usual society khich-khich has begun, and it's annoying for me.

I got good appreciation on the property, and it's not like I will take this money to the afterlife. Life was kind, we are already making a profit. I don't want to seem ungrateful, but I'm just trying to move on with my own life and do the best with whatever money I get for the flat. But the opinion that someone else will "get my profits" is making friends and family hostile and non-cooperative.

These are the points they raise:

1. New buyers won't be interested as the building is old. Where will they go when redevelopment starts?
2. Investors will look at upcoming areas, not existing ones. Only the sharpest buyers will see the value, but even then, parking close to 2Cr is a risk many won't take.

Basically, target audience is too small.

To me, this seems like valid concerns. What are your thoughts?

Hi, About to buy property in lucknow and looking for 50L loan for it. Had already contacted CBI but looking for more options.
Please help in sharing contacts of Bank POC (internal) with whom I can connect for this.
Thanks

Hi everyone, is anyone else currently facing delays in property registration in Bangalore?

I'm buying an apartment through an assignment agreement, and the builder has already applied for registration. However, I'm being told that registrations for projects are currently not progressing at the government level and there is no definite timeline.

Because of this, my home loan disbursement is also stuck, as the bank is waiting for registration before releasing the loan.

Has anyone else recently faced the same issue with registration/e-Khata/ePID in Bangalore?

If yes, it would be helpful to know:

• Which project/builder?
• When did you apply for registration?
• What reason were you given for the delay?
• Has anyone's registration been completed recently?
• Any idea how long the current delay is expected to last?

Thanks!

Hello guys i need a loan against my property which is agricultural vacant land need 10 crores loan for the purpose of building godown. Please any person with knowledge advice on this.

Hi,

I am looking for suggestion on how NRIs transfer money to the builders when they book the apartment or if the have to make the subsequent payments?

I tried few apps like Xoom, Remitly etc. but they dont allow sending money to escrow accounts. Any help would be highly appreciated.

They are slowly selling all the government assets. It feels like they know they will be in government for a limited time and they are trying to monetize as much as they can at the expense of our nation. I just hate andhbhakts that still support them.

After hundreds of conversations with resale sellers, I've started to believe that the first 10 minutes of a seller conversation can tell you more than the next 10 days of marketing.

Not because 10 minutes is a magic number.

It's simply enough time for the standard questions to get out of the way — and for the real conversation to begin.

Over time, we started noticing the same patterns.

You stop listening only to what the seller says. You start looking underneath it: How was the price arrived at? Who actually makes the decision? Is the property genuinely ready to transact? And where is the deal likely to get stuck?

A few observations that have stayed with me:

1. “For sale” doesn't always mean “ready to sell”

Some sellers are genuinely looking to transact. Others are testing the market. Some want to understand what their home is worth before deciding what to do next. Others would sell only if someone meets a number they have in mind.

There's nothing wrong with any of these. But they're very different situations.

A seller who is ready to transact usually knows what happens after the sale, who needs to sign, what their possession constraints are and what would make them move.

A seller who is testing the market often knows one thing very clearly:

“I want ₹X.”

Putting a property on the market and being ready to transact are not the same thing.

2. The interesting question isn't “What's your price?”

It's “How did you arrive at that price?” ₹2 crore could come from a recent registered transaction.

Or what a neighbour claims they got.

Or another property listed at ₹2 crore for the last six months without selling.

These are very different pieces of information.

One of the easiest traps in resale is anchoring to an asking price that was never actually tested by a transaction. The number matters.

But the story behind the number matters almost as much.

3. The best comparable isn't always the apartment next door

Sellers naturally compare their home with similar homes in the same project. Buyers don't always do that.

If someone has ₹1.5 crore to spend, their alternative might be another project, another neighbourhood, a newer building or even a new launch.

So the relevant question isn't always: “What is the closest comparable?”

It's: “What else can this buyer buy with the same money?”

Floor, view, facing, condition, parking, age, maintenance and possession can all change that answer.

4. The person giving you the price may not be the person making the decision

This one causes more friction than you'd expect.

Who owns the property? Who has to sign? Who has the documents?

Does a spouse, parent, sibling or co-owner need to agree?

We've seen situations where everyone appears aligned until another decision-maker enters the conversation — and suddenly the negotiation starts again from zero.

Until everyone who can say “no” is aligned, the quoted price may not be the actual decision price.

5. Price isn't always the reason a deal gets stuck

A seller can agree on the price and still not be ready to close.

Mortgage closure.

Missing originals.

Inheritance documents.

Multiple signatories.

Possession timelines.

Loan-related documentation.

These things can turn a seemingly simple transaction into a very complicated one. And sometimes the problem isn't price at all. A seller who needs six months to hand over possession and a buyer who needs 30 days don't necessarily have a ₹1.8 crore problem.

They have a transaction-structure problem.

6. The most revealing moment is often the first disagreement

This is probably my favourite one. Once actual buyer behaviour enters the conversation, the seller's price gets tested.

The interesting part isn't whether the seller accepts a lower number. They don't have to.

The interesting part is what happens next. Do they ask:

“Why?”

“What are comparable homes actually selling for?”

“What are buyers objecting to?”

“Is the issue the total price or the ₹/sq ft?”

“What would make my property more competitive?”

Or is the conversation simply:

“No. That's too low.”

There is a huge difference between defending a price and trying to understand the market.

After enough resale conversations, we've started thinking about the first 10 minutes differently.

They're not really about predicting whether someone will sell.

They're about finding the friction before the buyer finds it.

Price. Decision-making. Comparables. Execution. Negotiation.

The best resale transactions we've seen aren't necessarily the ones where everyone agreed on the price immediately.

They're the ones where the important questions were surfaced early.

I'm curious to hear from people who've recently sold a home:

What did you think would be the difficult part of selling — and what actually turned out to be difficult?

If you’re planning to buy a home and can’t afford to hire a property lawyer, there’s a practical first step you can take: check whether reputed banks have approved the project.

When a builder launches a project, they often approach multiple banks for project approval. Before approving a project, the bank generally conducts legal and technical due diligence - checking the builder’s documents, project approvals, title - related documents and other relevant paperwork.

If the project passes the bank’s internal checks, the bank provides an APF (Approved Project Finance) number/code.

So, what should you do?

Ask the builder:

“Which banks have approved this project, and can you share the APF number?”

Once you have the APF details, verify them directly with the bank rather than relying only on what the builder tells you.

But there’s one BIG catch

An APF number does NOT mean the project has zero litigation or court cases.

Bank project approval and litigation checks are two different things. A project can have an APF from multiple banks and still have an ongoing dispute or litigation.

So, don’t treat an APF as a legal-clearance certificate. It’s only one layer of due diligence.

Want an additional layer of verification?

You can approach a reputed bank such as SBI and tell them:

“I’m planning to take a home loan in this project.”

If the project already has an SBI APF, the process may be simpler. If it doesn’t, SBI may conduct its own legal and technical evaluation as part of the loan process, subject to its internal policies.

There may be additional legal/technical verification charges if the project isn't already approved, depending on the bank and case.

And importantly, you don't necessarily need to take the loan just because you're using the bank's due - diligence process- you can ask the bank what verification is available for your situation.

What if the builder says no reputed bank has approved the project?

That should be a red flag, not necessarily proof that the project is illegal.

Also, I wouldn't rely on approval from just any lender. If possible, look for approvals from reputed banks such as SBI, HDFC Bank or ICICI Bank,

Regards - Housiey

Most often , the common home buyer relies on the bank's due diligence to see if property is ok or not. Banks don't care that much as they know they'll mostly recover their money from the borrower -- especially from the high CIBIL ones.

I recently had a personal situation in which the builder was trying to sell me the road which belongs to the government as part of a plot. Bank also approved the property after technical visit and verification. It was me who discovered what level of fraud the builder was trying to do. Eventually the builder -- unapologetically -- just said that site engineer made a mistake. And bank in this case is HDFC. Both the project and my individual plot was approved by them.

I’m 35M and considering buying a plot of land in a rural/semi-rural area of North India for around ₹60 lakh.

The seller is someone I know indirectly — my cousin’s friend — and he is the direct owner of the land. However, I don’t want to rely on the personal connection when it comes to a transaction this large.

My main questions

1. How do I determine whether ₹60 lakh is a fair market price for the land?
2. How do I independently verify the legality and title of the land, even though I know and trust the seller?
3. What documents, government records, or professional due diligence should I use before making any payment?
4. Are there any common problems with buying rural/semi-rural land in India that I should specifically look out for?

My current finances

• Gold investments: around ₹33 lakh, which I’m willing to liquidate.
• Liquid savings: around ₹6 lakh.
• So I have roughly ₹39 lakh currently available.
• I have a job and can currently save around ₹1.2 lakh/month.
• However, I’m not very confident about job security. It could continue for another 2 years, or I could potentially lose it within a few months.

My tentative plan is:

• Use around ₹39–40 lakh from my gold and liquid savings.
• Take a ₹20 lakh loan for the remaining amount.
• Pay the EMI from my salary.
• Negotiate with the seller to pay the amount in 2–3 instalments over an agreed period.

My wife has jewellery worth roughly ₹15 lakh, but I don't consider this part of my current available funds or the primary repayment plan. It would only be a last-resort contingency if I lost my job and was unable to service the loan.

If I lost my job, I would first try to manage the EMIs using whatever savings remained and look for another job. Selling the jewellery would be a backup option to clear the remaining loan if things got really difficult.

My biggest concern

After this purchase, I would have most of my wealth tied up in this land, with very little left in other investments or liquid assets.

I’m considering buying it because land prices in the area have been increasing rapidly, and after looking around the market, this particular plot checks most of the boxes I currently care about.

At the same time, the housing/real-estate market in the area feels somewhat stuck. Land in areas where middle-class families would realistically want to build is increasingly becoming unaffordable, while cheaper land is generally farther away or has other compromises.

For context, I currently live in my parents' house, which is worth around ₹1.7 crore. Eventually, that property will likely be divided between me and my sister, so I don't consider the entire house to be an asset I can rely on for my own future housing.

What would you do in my situation?

Would you consider this purchase financially sensible given:

• I would be putting almost all my liquid/invested savings into the land.
• I would have a ₹20 lakh loan.
• My current ability to save is around ₹1.2 lakh/month.
• My job security is uncertain.
• The land itself would not generate any income.
• I would have relatively little liquidity left after the purchase.

And separately, what would be your due-diligence process before buying the land?

I have recently booked a unit at TRL. Getting documents verified from my lawyer. Sales team says sale agreement will be given only after I pay the remaining of 10% downpayment. Wanted to know from people who have got the sale agreement. When did you get the agreement and any points in the agreement that you felt sketchy and got it amended?

I got a home loan sanction from HDFC at 7.75 which they are telling will be reduced before disbursement.

I am not sure if they will provide the rate which we verbally fixed. So want to check with banks as well

How I can get a rate of interest from other banks by not hitting my cibil from each check from hard check

Can someone please guide

Why is it always 11 months and never 12? Never a round number. Always 11. Sharing the actual reason:

Basically there is this law, the Registration Act from 1908 and it says if a lease is 12 months or longer it has to be registered with the government. Which means stamp duty, registration fees and going down to the sub registrar's office and dealing with all that. Nobody wants to do that for a rental. So everyone just keeps it at 11 months and gets it notarised instead which takes less time and costs way less.

There is also a second thing going on here. In a bunch of states, once a tenancy has been around long enough or is registered tenants start getting extra protections under rent control laws. Stuff like limits on how much rent can go up or it becoming harder to evict someone. Landlords do not love that so keeping it at 11 months and just renewing the paperwork each time sidesteps the whole thing. This is completely legal and not some sketchy loophole.

The only thing I would flag if you are a tenant is that since these are just notarised and not registered they do not hold up quite as strongly in court if things go really wrong compared to a registered lease.