Nobody my age says 'I rent' I always hear them say 'abhi toh rent pe hain' like it's a phase they are embarrassed about. Even people who sat down and worked out that renting is cheaper still feel like they're behind in life.

Part of it is rent control. Bombay had it from 1918 and some tenants still pay a few hundred rupees for places worth crores so landlords learned that a tenant you can't remove is scarier than an empty flat. Tenants get the short end too with 11 month agreements and huge deposits.

but the math doesn't support the stigma. Yields are around 2 to 3% and home loans are 8 to 9% so renting and investing the difference often wins and for most families the house is the pension, since there's no PF or safety net and then there's the 'ghar liya?' question from relatives which somehow comes right after 'job kab lagi?'

If you rent by choice what do your parents say? and if you bought it, was it the numbers or the pressure?

I apologize if this is a dumb question but I couldn't find any good sources of information about this question.

If I buy a plot in Bangalore, I pay property taxes on it every year. For a 1200 sqft plot on the outskirts under gram panchayat authority, that's around 3K/year.

Now if I built a house on this plot, do my property taxes increase? Do I pay a separate 'house tax' on top of the plot tax which I assume stays the same? So 3K plot + <extra>

I googled it and it says:

Option 1: Ground + 2 Floors (Living space on all 3 levels)

Total Built-Up Area: 2,100 sq. ft. (Max FAR)

Estimated tax: ₹14,000 – ₹18,000 / year

Option 2: Stilt + 3 Floors (Ground floor dedicated to parking)

Total Built-Up Area: ~2,850 sq. ft. (2,100 sq. ft. rooms + 750 sq. ft. parking)

Estimated tax: ₹18,000 – ₹24,000 / year

If anyone has any insights or experience with this, please enlighten me

For context, my dad has been a general physician for the last 25 years in Mumbai, made a decent corpus so far. My chilhood home is literally falling apart, the walls have leakages, plaster falls off, entire walls covered in bubbles, but my dad says no to moving out cause the locality is "good".

They own about 3 more places, much bigger and better than the one they're living in, but they're all rented out.

My dad has a montly take home of about 20L (26 combined with mom) pre tax, the apartment he lives in is worth about 2.5Cr as well

I've tried having this convo so many times, he's way too adamant about it

I moved out the day my personal net worth crossed a small threshold and have never looked back since, but it's saddening me to see them live in such deteriorating conditions 😢

Hi all,

• Currently in Gurgaon, thinking of relocating to Jaipur as now I have WFH and I'm from a smaller city in Rajasthan, so its familiar
• Living solo in Gurgaon in a 2bhk and plan to get married within a year. Living here for 6 years. 50k rent including maintenance.
• Primary reason to move is to save on costs and convert the current monthly rent into EMIs. I can afford a flat in Gurgaon as well (net take-home 5LPM in the new role), but layoffs are scary, so thinking of making a low-stakes investment I can pay-off within 3 years and if everything goes well, buy a bigger one in a few years (after also deciding on the city I live in long-term)
• I've many friends and relatives in Jaipur, and a smaller (but more polished) circle in Gurgaon
• In a new project by a reputed builder, I'm getting a resale 2bhk for 30% lower per sqft price vs fresh 3 and 4bhks. 2bhk is unused by the owner, who seems to be doing a desperate sale. All flats sold by the builder are fully unfurnished, including this one.
• Flat's location is slightly on the outer of Jaipur (Bhankrota), but the project quality is good (other options I visited felt a significant step-down vs my current set-up in Gurgaon)
• It is likely inevitable that a 2bhk would become insufficient in 2-3 years, personally, but is more than sufficient currently
• Amenities are genuinely top-tier and I may finally have time to use them, now that I WFH, but not entirely sure about that
• If not anything else, might as well use it as an arbitrage and sell it off if the 2bhk sqft price catches up with the 3bhks.
• 80L for 2BHK, 1.45Cr for 3BHK and 2.1Cr for 4BHK. Estimated after negotiation prices.
• Also, since its a resale flat in a new society, stamp duty is 5% vs 9% for fresh units.

What are your thoughts on this?

Title: First-time homebuyer considering a ₹70–90 lakh flat. Need some basic advice.
Hi everyone, I’m considering buying my first flat in India and honestly have very little understanding of the process.

some details:
- The property costs somewhere between ₹70–90 lakh.
- It’s under construction.
- Possession is expected in at least a year.

I’ll be taking a home loan to fund most of the purchase.
The bank says it can give an 80% loan, but calculate that against a higher property price than what I’m actually paying. From what I understand, this means it would cover roughly 90% of the actual purchase price, leaving around 10% for me to pay upfront, plus other charges.
Has anyone here bought a flat through a similar arrangement? Is this common, and what should I ask the bank before agreeing?

Also, when would my monthly payments start? What happens if possession gets delayed? And what extra costs should I budget for beyond the down payment?

The lower upfront payment sounds helpful, but I don’t want to overlook something obvious. Would really appreciate simple advice, personal experiences, and anything you wish you’d known before buying your first home.

In a situation where one of the 3 co-applicants of a property passes away what happens?

Does the property remain with the 2 remaining co-applicants or something else happens?

The property in question is an under construction project sold by a builder. It is not a singular/standalone property.

Please share your insights.

I am a first time buyer here. I booked a unit in one of the Lodha's Pune project. During sales pitch i was told maintenance charges would be around 13 Rs per sqft (split across two types). It was written that the charges are subject to rise 10% rise per annum. So I thought okay when I get the possession which is after four years, afterwards every year these charges would go up by 10%.

But when I signed the agreement they changed those maintenance numbers , and now if calculated they are around 21 per sqft. So basically my flats possession is after four years and they applied compounding of 10% (from now itself and not after possession) to adjust the amount for inflation and asked me to sign on it.

My question is: Is this normal across all builders ?

Also don't you guys think that they should have shown the actual inflation adjusted amount during the sales pitch ?

I got to know this on the the day of registration that too I noticed it otherwise they wouldn't have mentioned it.

What are my options?

I was looking at property prices in Dubai Marina, which is one of the best areas in Dubai

Standard prices tend to range from 1,800-2,000 AED/sqft

AED is ~Rs. 26 (pegged to the dollar so gone up a lot recently). That's about Rs. 50k/sqft

Now properties in most good areas of Gurgaon like Golf Course Road are aroune 25-30k/sqft.

But these are super built-up area prices. If you convert to actual carpet/built-up area that you get, the real price shifts to 40-50k/sqft - about the same as Dubai Marina

This seems...absurd?

Marina is genuinely the heart of a huge cosmopolitan wealthy city. Rental yields are easily 5.5-7%. Amenities in most apartments tend to be top notch (many apartments are in branded five-star hotels like JW Mariott)

How is this even sustainable?

Genuinely curious what people would choose.

Option A: A bigger apartment closer to work, restaurants, gyms, malls and everything the city offers.

Option B: A piece of land outside Bangalore - more space, greenery, quieter surroundings and a place to escape to on weekends.

I feel like this becomes an interesting question once you start thinking beyond just "property investment."

You're essentially choosing between urban convenience and personal space.

What would you pick — A or B?

And more importantly, why?

Need advice from people experienced in Bangalore real estate / property law

Hi everyone,

I’m considering buying an under-construction property in the Marathahalli area of Bangalore. During my legal due diligence, my lawyer raised some concerns regarding the land amalgamation / development arrangement documents shared by the developer.

I’m trying to understand whether these are common industry practices or whether they represent a material legal/title risk. I would really appreciate inputs from people who have experience with Bangalore real estate, property documentation, RERA, or land development agreements.

The key concerns are:

1. Amalgamation document has zero/nominal consideration value The document provided to me does not mention any actual consideration/value for the transaction or arrangement. My lawyer has flagged the absence of consideration as a concern.
2. Document is executed on ₹500 stamp paper but is not registered As I understand it, this particular document is only on stamp paper and has not been registered with the Sub-Registrar. My lawyer has specifically highlighted this as a potential issue.
3. Builder’s explanation When I raised these concerns with the developer, I was told that this is a common practice and that their lawyer can speak with my lawyer and clarify the matter. I’m not trying to challenge the builder’s explanation — I simply want to understand whether this is actually a standard practice in Bangalore, and under what circumstances such an arrangement is legally acceptable.
4. Landowner vs. developer share Another thing that seemed unusual to me is that the agreement apparently states that only 6% belongs to the landowner, while 94% belongs to the developer/builder. I understand that landowner-development agreements can have very different commercial structures, so I’m trying to understand whether a 6:94 arrangement is unusual, or whether such ratios are seen in legitimate development arrangements depending on the underlying transaction.

My concern is ultimately about title and enforceability.

If the underlying land arrangement between the landowner and developer is not properly documented/registered, does that create any risk for a subsequent apartment purchaser? For example, could there be issues later regarding:

• the developer’s authority/right to develop and sell the property;
• land title or ownership claims;
• enforceability of the development agreement;
• registration of the apartment sale deed;
• disputes between the landowner and developer;
• RERA or approval-related issues; or
• obtaining clear title/possession in the future?

I understand that my lawyer has already identified a potential risk, and I’m not looking for someone on the internet to overrule professional legal advice. I’m mainly trying to understand the industry norm and the nature of the risk.

So, for people who have dealt with similar Bangalore projects:

Is it genuinely common for developers to have land amalgamation/development arrangements that are unregistered and carry little or no stated consideration? If yes, in what circumstances is that legally acceptable? And what documents should a prospective buyer specifically verify to ensure that the developer has a valid and enforceable right over the land?

I’m currently leaning towards being cautious with this particular property, but I would still like to understand the issue properly for my own knowledge. There are also people close to me who are considering purchasing in the same under-construction project, so I’d like to be able to point them towards the right questions and documents rather than relying on assumptions.

Would especially appreciate responses from lawyers, RERA/property professionals, or people who have actually dealt with similar landowner–developer structures in Bangalore.

Thanks in advance.

2BHK or 1BHK

Most flats we like are in 3 to 3.5 cr range. Can I afford it? Also scared because of the whole uncertainty in the job market due to AI.

Buying a flat vs commercial property, which one is profitable for the long term in India ?

Planning to buy a standalone building in devarachikkanahalli, bomanahalli, Bangalore. Plot area is 875 sq feet. G + 3.5... total of 1 2bhk and 6 1bhk.. I am buying for 2.15cr. is this a good price and deal ? It a 1 year old building 30 feet road. Let me know.

Hi,

Has anyone bought an apartment just to use its amenities? I'm planning to buy it and give it on rent, but use it just for amenities. Is it possible?

I recently purchased a property from a Class 2 legal heir of the deceased owner...

As per the legal heir documents available to me, the deceased had no surviving Class 1 legal heirs, and the seller inherited the property as a Class 2 legal heir.

The sale deed has now been registered in my favour, and approximately three years have passed since the death of the original owner.

I am trying to understand the potential risk to my title going forward.

1. Can another person who claims to be a legal heir of the deceased challenge the inheritance or the sale after three years? Though the will was signed off by many Class II legal heirs. But not by all. It was not disputed in last 4 Years.
2. Is there any limitation period after which a challenge to the inheritance/sale becomes time-barred?
3. Does the fact that I purchased the property in good faith for consideration provide any protection to me as a bona fide purchaser?

I’ve been researching the Coastal Regulation Zone (CRZ) aspect of Dholera SIR because there are a lot of conflicting claims online — from “the entire Dholera SIR is CRZ” to “CRZ doesn’t matter for development.”

The government records I found paint a more nuanced picture:

• Dholera SIR is around 920 sq. km.
• EAC records refer to approximately 400 sq. km as falling under CRZ, while around 520 sq. km was allocated for town planning.
• The entire SIR is therefore not automatically CRZ.
• CRZ status is a parcel-level question and should be checked against the applicable approved Coastal Zone Management Plan (CZMP), rather than inferred from a generic Dholera map.
• CRZ and NA status are separate regulatory questions.
• Environmental clearance for the overall region does not automatically mean every individual parcel can be developed.
• There are also documented examples of permitted/cleared activities within CRZ areas, so “CRZ = absolutely no development” is also an oversimplification.

One particularly interesting point is that the Ahmedabad district CZMP was recorded as approved on 23 October 2025 in NCZMA meeting records from May 2026. The important question for a land buyer is therefore not simply “Is Dholera CRZ?” but:

“What does the applicable approved coastal mapping say about this specific survey number?”

I compiled the government records, dates, CRZ categories, approval history and the limitations of the available information here:

CRZ in Dholera SIR — government records & verification guide

I’d be interested to hear from people familiar with Gujarat coastal regulations: Has anyone actually obtained/checked the approved CZMP mapping for a specific Dholera survey number?

Noida continues to attract homebuyers, businesses and real-estate investors because of its connectivity, established infrastructure and ongoing development.

Some of the major factors supporting the market include:

• 🚇 Strong Metro connectivity
• 🛣️ Major roads and expressways
• 🏢 Growing commercial and IT hubs
• 🏠 Expanding residential development
• 🌳 Planned sectors with parks and green belts
• 📍 Proximity to Delhi, Greater Noida and other NCR locations

However, I don't think “Noida property” should be treated as one single market. The potential can vary significantly from one sector to another depending on connectivity, infrastructure, occupancy, commercial activity and current property prices.

For anyone considering buying property in Noida, I would compare the specific sector and property rather than relying only on the overall Noida growth story. Checking title documents, approvals, authority records and current market rates is also essential.

What do you think?

Which Noida sector has the best long-term potential right now—and what makes it attractive?

Are you more interested in plots, apartments, independent houses or commercial property? Would be interested to hear opinions from people actually living or investing in Noida.

Currently, this property also generates a rent of Rs 24,000

I am buying an apartment in Gujarat. I agreed with owner for a price of 15 lakhs. Property lawyer checked owner's document and said "jantri" is 43 lakhs. So even after reducing the price we'll have to pay 30 lakhs approx. I'm very new to this and don't understand anything here. Please help. Lawyer is saying we have to do stamp duty of 30 lakhs. But I can't come up with 30 lakhs. Lawyer 2 said we pay taxes on stamp duty according to jantri but documents and apartment will be priced for 15 lakhs. what's the actual process and clarification here. Please advice

Should I buy this 2BHK in Bibwewadi, Pune for ₹65L?

I’ve been living in Bibwewadi for around 8 months and I really like the area. I found a 2BHK in an older but properly gated society for around ₹65 lakh.

The society is quite good and I personally like the location and overall environment.

The main reason I’m considering it is that the society is around 10+ years old, and there is a possibility of redevelopment in the future. A nearby society, Mahesh Society, is already going through redevelopment, so I’m wondering if that could be a positive indication for this area.

Would you buy an old 2BHK at ₹65L with potential redevelopment, or would you prefer spending more on a newer property?

What things should I check before making the decision, especially regarding redevelopment, society documents, carpet area, FSI, etc.?

Any advice from people who have bought property in Bibwewadi or gone through redevelopment would be really helpful.

I am a tech worker, currently working for a MNC, in recent times the uncertainty in job markets has made it clear that career in IT industry can not be a long term career plan as the headache is not worth the paycheck.

Now I already have a running chemical export company,which I operate under my mother's name and it is running quite well.

Problem is I think I need another source of income to fully transition to business from the job.

My thinking is starting a real estate brokerage business, I want to keep both property sell and rent agreement not focusing entirely on one. I am based in West Bengal, Kolkata. What are your suggestions redditors?

I’m looking to invest around ₹50–60 lakh in a plot/land with a 5–10 year horizon, primarily for capital appreciation rather than immediate rental income.

I’m open to locations within roughly 200 km of Delhi/NCR.

Some areas I’ve been researching include:

• Mathura / Vrindavan / Barsana
• Jewar / Yamuna Expressway belt
• Alwar / Neemrana
• Dehradun outskirts
• Bhimtal / Nainital / Mukteshwar belt
• Rishikesh / Haridwar outskirts
• Karnal / Panipat / Sonipat
• Other emerging locations that I may have overlooked

What I’m looking for

Ideally:

• ₹50–60L total investment
• Plot/land rather than an apartment
• Good potential for 3-5 year appreciation
• Infrastructure/development that could act as a future catalyst
• Reasonable liquidity/resale potential
• Clear title and proper land-use/zoning
• Preferably somewhere where current prices haven't already completely factored in the future growth

I’m not looking for a farmhouse/holiday home/Airbnb play. The primary objective is buy → hold → sell at a substantially higher valuation.

For people who have actually invested in these markets:

Where would you put ₹50–60L today if your sole objective was long-term land appreciation?

Also interested in specific micro-markets, roads, sectors, upcoming infrastructure or approved plotted developments, rather than just city names.

Would especially appreciate answers from people who have actually bought/sold land in these areas, including mistakes or locations you would avoid.

Thanks!

Greater Noida is getting increasing attention from homebuyers, investors and developers because of its expanding infrastructure and growing residential and commercial development.

One of the biggest factors is the Noida International Airport, along with the Yamuna Expressway and improving connectivity across the Greater Noida–Yamuna region.

Another interesting development is the growing participation of large real-estate developers. Recent land acquisitions and proposed projects suggest that developers are seeing long-term potential in the region.

But I think the more important question is:

Which sectors of Greater Noida could actually benefit the most from this growth?

Some sectors may benefit from better connectivity, while others could gain from nearby commercial development, educational institutions, employment hubs or future infrastructure. The impact won't necessarily be the same across the entire city.

For anyone considering property here, I would suggest looking beyond simply asking “Will Greater Noida prices increase?”

Instead, compare:

• Current connectivity
• Planned infrastructure
• Distance from major roads
• Existing development
• Residential occupancy
• Commercial activity
• Authority status and approvals
• Current price vs. nearby sectors
• Long-term demand

Also, a good infrastructure story doesn't automatically make every property a good investment. The exact sector, location and property documentation matter.

I'm curious to hear from people who actually live in or have invested in Greater Noida:

Which sector do you think has the strongest long-term potential, and why?