How to PLAN and BUY a HOUSE in India? EMIs, loans, build vs buy, construction quality?

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Should you invest in real estate in India?

If yes, then how?
- Buy a flat or commercial property?
- Buy from a builder or construct your own house?

I cover all these [and more doubts] regarding real estate in this video. Do watch it till the end :)
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Attributions:
Stock videos from Pixabay and Pexels
Logos: Wikipedia Commons

Video Editor: Vallabh Salgaonkar

[AkshatZayn]

►My new stock market course starts in October 2022 [SEATS FILLING FAST]. Read all the details here:

[manojsuri]

Buying a house in the outskirts of the city and constructing the house after a decade is a far better option. You won't feel financial burden and you can choose the quality of construction yourself for your house.

[foodient]

Akshat, buying a land is pretty complex given we do not know whether i am buying a genuine land or not. Property papers are correct or not etc. Can you make video on that?

[Ram-jsdj]

One opposite view: in time of our parents rented yields were high not because rent was high but because price of the property was lesser !!
In my city in 2008 price of property (3 BHK apartment) was 8-10 lacks max 12 lacks now it is 80-85 lacks having CAGR ~ 17% which is not achievable for tier-II/III City!!

[VivekBisht]

very early in my career i brought a small land in Dehradun for just 3 lacs.. i made 3 shops there.. rented them for over 12year now and rest of the land i sold of recently for 80 lacs.. thats 15 years total and i still own those 3 shops...i never had such returns in equity.. hence i swing nifty 50 when its down and i invest 20% of my investment portfolio by myself in equity where as 60% still goes in buying lands in tier 2/3 cities.. 5% in crypto..I like all the logics in this video..great stuff @Akshat

[NS-vpng]

11:06 agree with you Akshat, one of the major problem here in Goa.. and also most of the properties are disputed and if you are outsider you won't get any help from government office.
Very good analysis considering you have just recently shifted to goa

[judithxavier]

You are right. Sell your high value property and buy your own house in a small city and live peacefully on simple budget without headaches.

[Ashwin-zgrt]

All these factors should be taken into consideration when you consider real estate as an investment. Owning a home for self use has a more emotional feel to it

[Praveenkumar-yjwt]

Finally Real estate video !! Please do a lot more videos of paper works, buying process, etc..

[sumantamukherjee]

1. House price <= 3* LPA, should consider age also. If age > 40, max price <= 2* LPA
2. 20 years loan tenure is huge, it should be max 15. Ideally <= 12

[prabhjeetsinghmann]

Superb content sirjee! Extremely helpful it is! Cld you pls make a video on buying a super inflated flat in tier 1 cities VS buying a villa/rowhouse in tier 2 and tier 3 cities. I GUESS, it will be a great video.

[periperi-qb]

India mein tiny house ka style shuru hona chahiye. Bade gharon mein rehnewale log kam ho rahe hain, tab bada ghar khaali aur boring lagta hai. Ghar chota aur cute rahe toh acha hai but garden bahut badaa hona hai.

[parthkishore]

Good video Akshat, do make a video on buying cars considering people buy cars based on emotion more often rather than purely on rational basis

[iyernil]

@akshat - Great video but I was surprised you did not talk much about the hidden cost of high interest rates - over a 20 year period at current Interest rates - you would end up paying almost equivalent amount of interest as the property base cost - the second point I though you probably should cover is cost of maintenance of property and the kind of tax benefits that families can get by buying and renting

[piyushrajmishra]

I was expecting this video. Thank Akshat.
Edit: Kindly make a more detailed video around how to by properties, the selection, the paperwork as well as the financing and by property I mean commercial property. Help us with your experience. Kudos to you for spreading the knowledge.

[ankitaghosh]

In Bangalore however the property rent and buying prices have gone up crazy..~10% increase each year or even more than that in the most popular areas like sarjapur, bellandur etc. Even in whitefield.And all the places rental yield has become >6.5% easily..It is not only 3% any more so more and more people are buying multiple properties(apartments/villas)

[stockmarket]

Formula 3-20-30-40 is really useful for salarized people. Thank you Bro

[theta_gamer]

When akshats kid ask for something,
Askhat first opens excel to see if it's profitable 🤣🤣

[noone_and_nobody]

Thanks for posting this insightful video Akshat!. These may seem trivial and not decisive, but absolutely should be kept in mind while going for any real estate. Please keep videos like these coming through. I am very excited about you trying to build a real estate portfolio and your though process/research around getting this accomplished. Thank you and all the best!

[ektabedi]

Yes planning to buy..but there is so much that pre work that goes into it. Thanks for the video. It helps!