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Real estate property prices trends

Plot rates at highway price vs slums in main city

How fast & how much land /property rates increase?

Historical growth of real estate property 5 stages

1. Agriculture to residential or commercial
2. Devolopment of physical infrastructure (new purose)
3. Improvement of livability or commercial livability because are gets popular
4. Periodical real estate booms & busts
5. Inflation

Making on real estate with no money?

Before you buying land / plots emi basis.lets know pros if cons of buying land with loan.

Hmda layout : 75% loan amount by anybank
DTCP: 50% of land value not all banks.
GP Layout: banned.

EMI basis plots by real estate companies

24% interest rate *

cons: there is no guarantee of allocated plot, untill you pay full amount,
emi with interest rate, maybe blower than land growth rate , real estate company may allocate others. To quick sales.
NO regulatory.

Buying land with bank loan pros & cons

Cons: registration on bank.
1.double registration fees 6%, after NOC from bank again registration or (just like vehicle loans)
2. Incase of emi default for consecutive 3 months.

Pros: leveraging money through interest rate,
Bank interest rate=< land growth rate.
Principle amount = inflation rate

It’s a good idea to take some risk take advantage.
loans are not bad for productive assests,
Ex: business (₹10 lend manufactured 20 sell at ₹30)
Production budget vs marketing budget.

Buying land with personal loan

land loans process involves heavy process.
Valuating market value of current plots/land.
documens or link documents at least 30 years.
and registers behalf of bank.

Personal loan interest rates vs land loan interest rates are relatively same.

no document verification, asks for 30-50 years link documents.
easy to close.

Buying land by lending from freinds at 24% or 2%

2 rupees for 100 per 1 month.
5000 1000permonth
1lakh 2000per month (24,000 interest per year)
24% means 3 years you have pay full amount for loan.
Ex: 1 lakh @24% 3 in years will be double.

land growth rate vs bank loan interest rate.

most of the city outskirts land rates at sells at high premium (higher than actual value).

buying at low selling at high.

₹3000sqyd tend to grow faster than ₹8ksqyd in 3 years or more. Make sure to knowledge of compound growth.

land rate 500x in 50 years but cagr will be 9%.
But the bank rate or lenders rate 24%.

Before you thirsty for buying land know the financial pillers.

20% savings
50% needs
30% luxury
Emergency fund
government employees 6% liquid in form of liquid funds.
Self employed at least 1-3years.

Retirement planning (important SIP helps you)

investment has to return something, but how much &when.
Recurring revenue model.
after emergency fund & retirement planning go for
Purchasing lands*

The good thing about investing in land 2x in 1 year.

Land rates unpredictable. Instead of neglecting by underestimating the situation.
plan to face two possibilities. Either it grows or not.

Aware of land litigation issues

illegal occupants in case of not fenced well,
court cases or clear title, fake documents
50% crimes related to land issues.
(First make your financial pillers strong, use surplus amount to buy productive lands farmhouse cum agri land,)

The art of investig land makes you rich,
Biggest problem: many investors don’t know the actual rate of returns (9%) in long run.
Parking surplus money in land is a good idea, when you fulfill all the needs.

Buying land for home?

rent vs buy.
10000per month cost 1cr
5000per month cost 50lakhs
1cr @10 cagr =10lakhs per year.
1 lakh permonth, why don’t we pay 10k rent &90k for enjoying self.

buying home gives peaceful, self statisfaction to brain.
all we do only for our brain peace. So buying land for home is good, if you are smart use rent incase low rent, buy in case of high in your area.

Buying at low & selling at high actual rate of return on real estate plots

2005 per sqyd 5000
2020 per sqyd 20000

15years 4x.(5,10,20)
24% double in 3 years.
2005-08 5k to 10k
2009-12 10k to 20k
2012-15 20k to 40
2015-18k 40k -80k
2018-2021 80k- 160k

15%
72/15=4.8yeara it’s get doub
2005-2010= 5k to 10k.
2010-2015- 10k to 20k
2015-2020- 20k to 40k
10%
72/10= 7.2 years double

2005-2012 (5-10)
2012-2020(10k-20k )

at 10% (1rupee interest rate) land grown .

12%
72/12=6

2005-11(5k to 10k)
2011-17 (10k -20k)
2017-2020(20k-30k)

we bought at ₹20k sqyd, after 3 years ₹30ksqyd.
owner bought at ₹5k sqyd in 2005
sold at ₹30000 in 2020.
but the real profit is 12% cagr. (invest in self, invest in business, invest in other’s business, make productive assests,)
Blindly investig is not a good idea.
Illiquidity is a biggest thing .
Incase of emergency you can’t sell the land .
buying land from urgent sellers makes you most profit.

the plan selling at 24% , or selling at 30%, 50%, 200% is your strategy.

Finally land rate & inflation rate @4-8% cagr hast be equal.

For buying emi basis open plots in Hyderabad call 8686727676

Total new area covered under hmda 2031 plan.

5965sqkm

Extended hmda area 5018sqkm

Bhongiri

Sangareddy

some parts in Hyderabad airport devolopment authority HADA(185 sqkms)

Erstwhile HUDA Area

outside outer ringer.(432sqkms)

1km belt area growth carridor outer ring road (332sqkms)

Rera licensed devoloper can get layout permission in following cases

Land pooling

individual plots sub division

Township devolopment

Group housing schemes

Group devolopment schemes

SEZ & layout devolopment schemes.

DTCP to hmda conversion.

need to get again hmda but paying extra fees*.