Showing posts with label Housing Tips. Show all posts
Showing posts with label Housing Tips. Show all posts

Wednesday 24 December 2014

Does Brand Names Really Matters in Real estate Property Investment in India

In the world of retail, fashion and real estate, brand names make a giant difference. When customers pick a product, asset or real estate agent, what are the significant determining factors do they consider? Most of the customers saying that the brand name has a major impact on their decision making process. Sometimes big brand names get a dire repute for being high-priced, even though consumers buy the products from top brands than labeled one even if it is cheaper.


For example, in the present market purchasing a computer with small outlet is the easiest way to save money, although customer wishes to buy name brand computers.
If you are a sincere buyer or seller in the real estate property in Indian market, how much does brand matters when picking a realty agent?

In an aggressive market, many real estate property developers and investor are getting happy over branding, adapting new models, parameters and images of Indian real estate Industry. But real estate investor and builder across major metro cities such as Delhi NCR, Mumbai, Banglore, Hyderabad and Kolkatta say that the importance of branding is varying rapidly. The brand name may not help a consumer to hire a real estate agent and some evidences suggest that branding is not so important.

What every customer really cares about is services provided, they just want to know they were getting the same disclosures or not, not the brand name. In today’s market, smaller real estate property industries also offer great services as the environment is less company.

Real estate investor and developer analysts and experts say that as the technology is increasing rapidly, customers can access real estate property information on the internet itself without taking any real estate property agent or third party’s help. Real estate property investment has emerged as the most preferred investment instrument in India.


Even though, In India many of the first time real estate property buyers and sellers who had no experience in purchasing  are arguing that branding is more important than ever because the Indian customers believe that brand name companies are more trusted, mainly those who are offering top indentation services and facilities.

Wednesday 3 December 2014

Top Tips to Get Started in Real Estate Property Investment

Investing in real estate property often turns out to be the most profitable business decision one ever made. But it is not child’s play. There are so many critical aspects that need to be considered while researching and deciding on a property you are interested in purchasing.

Here is a step by step tips on how to get started in real estate property investment.


Get Your Loan Pre-approved

If you need to take a property loan from a bank or a financial institution, you need to ensure that you are eligible for it first. Most banks have an eligibility criteria depending on the loan amount. Research the loan rates and conditions of different banks, compare them and finalize on one of them. You might have to show them your income statements to verify that you are indeed eligible for a property loan.

Cosmic India

Fix Your Budget

First for fixing your budget before thinking about your purchase, you need to figure out how much money you can invest right away. Many people skip this step and end up buying properties that they really can’t afford. Take some time to check your finances and set a budget for your real estate investment.

Identify Your Income Sources

While you are finalizing your real estate budget for buying any property, you also need to note down where you will be getting the money from. Can you dilute some of your other monetary investments? Will you have to take a loan? Do you have an inheritance you can rely on? Answering these questions will help you identify all the sources where you can get the money for your property purchase.

Identify the Location

Before you start looking at individual properties, you’ll have to decide on which locality you’d prefer to invest in. This decision will also depend on the budget you’ve set apart for your property. Properties in the heart of key cities will cost more than those on the outskirts. So, consider the property price in the locality before you finalize on it.
Decide on the Type of Property
You can choose to buy a plot of land, a commercial building, a single apartment, a villa or even an office space. Think about what kind of property you’d like to invest in, and then go forward. It is imperative that you have a clear idea of what you’d like to do with it in the future before you make your final decision.

Negotiate the Price

Once you’ve finalized your property, negotiate the property price with the seller. Most of them offer deals and discounts if you are willing to pay a bigger down payment. Take a look at what the prevailing property rates are in that area, and use those facts to negotiate the price and terms of sale with the seller.

Seal the Deal

If you are satisfied with the price, and terms of the sale, you can go ahead and seal the deal with the seller. A legal agreement will have to be signed by both parties to ensure that the sale contract is finalized. You can check our article on how to register land in Kerala, and follow the steps outlined there to proceed with your purchase.

Start Researching Properties

This is where the real property hunting begins. Pick a few properties that catch your fancy and research them thoroughly. You can check a few online real estate portals, ask local brokers, and even friends and relatives who might have some prior experience in buying a property in that locality.

Finalize the Property


Based on the results of your research, you can then finalize on a property that suits your budget and has all the amenities you require. You do not have to make a hasty decision, though. You can sort out your options and take your time before making your final decision.\


Related Post
Top Tips for Real Estate investors in India,
Growth of Real Estate Sector in India,
Why invest in India’s Real Estate Market?


Tag : Property price, buy property in noida, Noida Property, Delhi NCr Property, 

Friday 21 November 2014

The Indian Real Estate Investment Tips for Beginners

Consistent performance of the property sector in India has earned investors’ confidence. The market lately outperformed all other investment sectors in terms of returns and surfaced as a form of investment that is destined to grow over the years and sometimes sooner. To reap the benefits offered by the India real estate market and see your investment grow in rather short time, you have to consider some factors:

Cosmic India
Where is more important than what
In Indian real estate sector, “where” is more important than “who” and “what”. In most case, the location determines the future of real estate property investment and if chosen wisely, you can bag greater profits in rather short time. Investment in fully developed locations reduces the profit margin since the real estate property value generally increases with infrastructural development and reaches its saturation point after some time.

Measure demand realistically
The demand determines the value of real estate property and a wise investment decision is based on realistic estimates. The real estate property purchased for investment is it long-term or short-term will yield better gains only if the future of development is sound. It has been observed that the locations attracting more buyers sustain their charm among investors. Therefore, while asserting the future of real estate property you intend to buy, consider its resale value as discretely as its location.

Invest in smaller plots
Considering the buying power of general property buyers and investors in India, investing in smaller properties increases your chances of attracting more buyers. The buyers for bigger plots and properties are limited, which is the major reason why price escalation seen in bigger plots is rather less prominent. If you have a decent capital to invest, splitting it in multiple portions would be a good idea since the risks involved in real estate investment are reduced if the amount is invested in more than one type of properties.


Real estate analysts and experts believe that real estate property markets come across prominent highs and lows every 10 years helping the market shift and shuffle to benefit everyone. For Indian real estate sector, next couple of years looks promising and if you wish to get your share from the market, you must start preparing for it.


Read More :
Growth of Real Estate Sector in Noida

Delhi-NCR Real Estate, Good Investment Option

Reasons To Invest in Delhi Real Estate Market

Delhi - NCR, A Favourable Destination for Investors


Tags : Indian Real Estsate Market, Cosmic Projects,Cosmic Structures,Investments, Buying Strategy,Small Property,Real Estate Projects in Delhi - NCR .

Saturday 1 November 2014

What Are The Expectations Of The Real Estate Market of India From Budget 2014-15?

The budget announcement is a crucial moment for almost every sector in the India. Quite obviously, economic recovery and fresh development is what the India is looking forward to and with the current government earnestly aiming for an all round development, the India real estate market has put all its hope on the budget.

Cosmic India
With the numerous consumer-centric issues distorting the structure of the Indian real estate market and Delhi NCR real estate market, the realty majors are all looking forward to the government to address those issues. Soaring prices, labor shortage, lack of transparency, obscurity regarding the land title, delay in approvals, overlapping of laws, etc. are some of the most widespread issues in the sector.

Both residential as well as commercial property all over metro city as well as all major cities have a high growth potential but the above issues are not allowing the cities to live up to the expectations of buyers and investors.

What the industry is now is waiting for is:
  • Implementation of land acquisition policy.
  • Augmenting the fund limits of the Housing Finance Companies (HFCs).
  • Reduce inflation in real estate.
  • Encourage 100 percent FDI.
  • Offer tax benefits on home loans to attract more buyers.
  • Proper infrastructure for the housing sector.


Now, how far will the government of India be able to boost consumer and investor confidence is the question of the hour. Under current governance, we do hope that the budget will address all the critical issues in the sector and work towards bringing a balance in the demand and supply ratio.

Read More :

India 2nd in Real Estate Investment Momentum Index

5 Advantages of Buying a home in slow market

FDI in Real Estate

Real Estate Growth In India 

Booming Hub of Real Estate


Tags : Indian Budget, FDI in India, Real Estate Affects Indian Economy,Cosmic Projects, Housing Finance Companies, Indian Real Estate Market.

Saturday 18 October 2014

Why invest in India’s Real Estate Market?

India is a happening place these days and is being touted as the emerging economic success story of the 21st century. Places like Delhi NCR formerly known as Delhi has real estate, prices of which can be compared to any of the top ranking western cities of the world. It can also offer you far greater yields with property prices scaling the roof in recent years. Much of the growth has been witnessed in the Indian real estate sector with huge investments coming in.

Cosmic India
Most non resident Indians wary of investing in Indian real estate market a couple of decades ago are now applying online and checking out top ranking brokers to buy homes and properties across India. To cater to the growing demand from overseas Indians, real estate companies in Delhi NCR are building properties that can be compared to anywhere else in the world. There are premium properties to suit NRI pockets and they are full of amenities not seen anywhere else.

It has become common for many NRI’s in their sunset years to spend a couple of months each year in their former homeland. To exceed their expectations, real estate companies, many of which are multinationals, are investing in land to create replicas of real estate properties found in the India. The townships that are being created are integrated like they are abroad.

You can get all facilities close to your real estate property and you won’t have to go out and look for them outside the boundary. Major Indian and foreign banks as well as financial institutions are also funding real estate in India making it even more lucrative for NRI’s to invest in Indian real estate market. They can easily build their own as well as get into the profitable real estate business that is yielding more profits than ever before. The growth has primarily been due to the rise in demand for quality properties for housing and the upswing in the hospitality and hotel industry in India.

The Indian government is also putting in more money in real estate market and many old regulations have been fine tuned to attract more money into the sector. The property tax act, the rent control system, land ceiling regulations have also been updated and made more investor friendly for people wanting to put their money into real estate. Along with domestic laws, the foreign exchange regulation act has also been made more liberal to get more people from aboard into Indian real estate buying, selling and investing.

Private equity players are also finding the real estate an excellent business opportunity as the returns have skyrocketed in the last few years. It pays to buy property in India and keep it for investment purposes. And you don’t have to wait long enough as the returns can be seen upfront in just a couple of years.


Foreign investors in real estate are expected to bring in around $100 million and they can range from small, medium to large projects across India. Even smaller towns are experiencing a boom in real estate.

Read More :

Delhi - NCR, A Good Investment Option

Why should you invesr in Noida Real Estate

Resons to invest in Noida Real Estate Market

Indian Real Estate Growing Tremendously

Tags : Investment In Commercial Property, Investment in Indian Real Estate, Investment Options in Greater Noida, Cosmic Structure,Cosmic Projects.


Monday 6 October 2014

Why Real Estate Is Not Quite a Fail Proof Investment

Real estate can be a great investment, but it can also be a poor investment. Just like purchasing stock, it’s important to buy the right property, but the right property is just part of the equation! You also need the right tenant, and the numbers have to work. Here is the big picture overview of things you’ll need to consider if you’re looking into investing in India realestate market.

Cosmic India
Consider these factors when choosing rental property:
The Location: The neighborhood influences the cost of the property in Delhi NCR, type of tenant, vacancy rate, rent, and the likelihood of experiencing any appreciation.

Property Taxes: It’s difficult to predict what the property taxes will be on any individual piece of property. They can be much higher or much lower than expected. Be sure to verify the property tax information.

Schools: Property in better school districts appeals to tenants with children. Rents will be higher in these areas.

Repairs: Be sure you understand just how much it will cost to make repairs now and in the future. How much longer will the roof, furnace, and air conditioning unit last? How is the exterior? Expect to paint the interior and have the carpets cleaned every time you have a new tenant.

Property Cost and Rent Expected: At the end of the day, the cost of the property (routine maintenance, HOA, etc.) and the amount of rent you can expect to collect are the most important factors.

Once you find an appealing property, use these tips to help you find the right tenants:
Job: Check on your prospective tenant’s employment history. Does she change jobs every 6 months? Does he go for extended periods of time without a job? Can his current salary afford the rent?
Credit History: If a prospective tenant has done a poor job of paying her rent in the past, there’s a good chance she will continue to do so in the future. Be sure you know the credit history of everyone you consider allowing to live in your property.

Interview: Most of us have been around long enough to have a good feel for whether someone is a good person or not. Our intuition isn’t foolproof, but it’s far from worthless. When you’re talking to a potential renter, ask yourself if you would trust them. Do they seem to have their life together?
Ask yourself, “Do I believe this person will pay me on time for the next year?”

Some states make it extremely difficult to evict people, so choose your renters wisely.

Read More :

Positive Trends in Real Estate Market Of Delhi NCR

Local Real Estate - A value for Money

Investment in Real Estate - A wise decision

Tags : Investment in Real Estate, Investment in Commercial Property,Investment in Delhi NCR, Cosmic Projects,Cosmic Structures.

Saturday 20 September 2014

Delhi NCR Real Estate Market- A Good Investment Option

Delhi is the national capital city of India and also one of the best destinations for investors to buy property. Delhi having an advantage of good connectivity with most of the cities in India houses the top most corporate houses in the world. The main upswing of construction activities is going on in New Delhi, with number of both residential as well commercial spaces being developed by prominent India Real Estate Market.

Cosmic India
DDA has drawn up several plans for next two years including mega housing project in Dwarka, Bio-diversity Park housing over 5,000 species of flora and fauna along the Yamuna banks, a spiritual garden forming a link between South Delhi's three major temples in Kalkaji.

Cosmic India is all set to carve a substantial niche for itself in Delhi with its Property in Delhi NCR: Cosmic Cruise and Cosmic corporate park. Being the IT hub of India, Delhi proves to be the center for real estate transactions in the India.

With the increasing influx of students and tourists in the city, Delhi NCR Real Estate Market have started coming up with the idea of service apartments a concept borrowed from the West. The Commercial Property in Delhi are fully furnished and provide a nice staying experience in Delhi. They are are becoming very popular amongst these international tourists and students as they are cheaper than the hotels and give them a nice, secured homely experience.



With unavailability of land in rest of Delhi NCR, Property in Yamuna Expressway has become apparent choice for Delhi NCR Real Estate Market for constructing apartments. Investors are readily interested in buying property in Noida Extension as the rental values have also sky rocketed in the past few months. Moreover, with growing crime rates people are very all these apartments.

Read More :

Real Development in Delhi NCR

Delhi Metro and its influence on real estate

Real Estate Business in India

Office Space in Delhi - NCR

Tags : Delhi NCR real estate market, Investment in real estate, Commercial property in Delhi,Residential projects in Delhi NCR.

Wednesday 10 September 2014

Indian Real Estate Market - Things Your Neighbor Don't Tell You

I may steal your Wi-Fi: Many people admit to illegally using their neighbor's Internet service. This can significantly increase your Wi-Fi bill. Not only can this practice be expensive for you, it can also get you in a lot of trouble. Your neighbor could be using your Wi-Fi to do illegal activities. This could result in you facing charges and legal fees. Secure your Wi-Fi and change the password regularly. This will protect you against your neighbors.

Cosmic India
We will be loud: Noise complaints are a huge issue in neighborhoods. Loud dogs, music, alarms, and even arguments can really carry. Noise can be very annoying. It can also lead to health issues. You may experience loss of sleep, anxiety, and stress because of your noisy neighbors. To minimize noise, you may want to consider investing in soundproofing.

Registered sex offender: Registered sex offenders are not required to report their status to their neighbors. Their status is available to the public online. Registered sex offenders are required to notify local law enforcement of any change of address or employment. All of this information is made public via the National Sex Offender Registry. Unfortunately, the presence of a convicted sex offender can hurt property values. There really is not much you can do to deal with a registered sex offender neighbor.

I have a pest infestation: Your neighbor may be plagued with unwanted guests. It only takes one case of bedbugs to spread throughout an apartment building. Pests like bed bugs require intensive extermination. Extermination can also be quite expensive. It can cost thousands of dollars to for several cycles of extermination. Be wary of unhygienic neighbors. Dirty neighbors are more likely to have unwanted pest infestations.

I am a trouble maker: If your neighbor is involved in any illegal activities, it will probably negatively affect you. If the police investigate your neighbors, you may be involved in the investigation. Your neighbors' sketchy friends may also endanger you too. They may even try to break into your home. Any legal troubles your neighbors have will hurt your listing price too.
To protect yourself, you should invest in a home security system. These expensive security systems will help protect you. Look for a system that includes cameras and window and door sensors. Large fences and strong gates can also help too. Invest in a security system, and you will be thankful later!

Related Posts :

Why invest in Indian Real Estate Market ?

Economic controls on Delhi Real Estate Market .

Indian Real Estate Growing Tremendously

Real Estate still shines bright for India .

Tags : Neighbourhood Issues, Noise problems,pets problems,wifi issues,legal threats from neighbourhood.

Saturday 6 September 2014

Economical Controls on Delhi NCR Real Estate Market

With the fall in the financial system, people are enclosed with the problems they have not at all faced before. The situations have turned into so harsh that people have had to leave their well-deserved properties in India right away. At rest, in other circumstances, there are a few entrepreneurs who turn conditions for example those into a leasing occasion. Some specialists like a property management company can permit those citizens that one time were proprietors an opportunity to currently become renters.

Cosmic India
By way of the bad economic condition, came a two-sided result in the India property buying and selling market. Owing to high interest rates, the landowners are flooded with large time debts and there was a mass quantity of public selling their residences as the prices slumped to their lowest in the past. Even decrease to a smaller house wasn't an alternative for some. This carried a big dilemma in the real estate business and things driven out to be very appalling in the end for landowners, but the renters and the management companies have held their own.

Purchasing property in Delhi NCR nowadays is still a large risk though it is improving. Most people are still listing on renting both commercial as well as residences until they can feel new monetarily secure. If you own a real estate property at present, save it and rent it out if you desire to fetch it in use. Renting will offer you cash and you do not have sold it in underrated conditions. Be stylish. Do your investigation in realestate property in Delhi NCR. Search for the advice of populace who were managing properties earlier than we found ourselves in this monetary situation. They will have a few suggestion and advice for your India property management since this will not be a fresh project for them. They will have skilled what it akin to try to rent a home out when the economy is flourishing and will present you a better vision of the ups and downs of management position.




No subject how the economy recovers, on the other hand, there will forever be a want for rentals. People who are just starting their careers, those that are breathing in a latest region and want time to research a precise vicinity of a city or town before they purchase, those that get themselves in a high school tax spot but no longer have kids that exist at residence. There are lots of motives for renting a property in India. If you are lucky sufficient to have the facility to purchase a further home for the period of this time of lesser prices, then goes for it, land rental and management will forever have a region in market in spite of of the economic state of the union.

Related Posts :

Effects of Election on Indian Stock Market

How to ge lower rates of interest for your home ?

Why should invest in Noida Real Estate ?

Economic Advancement attribuiting to Real Estate

Tags : Propert in Delhi NCR, Commercial Projects in Delhi NCR,Cosmic Structures,Cosmic Group,Economy of Indian Real Estate

Friday 5 September 2014

Reasons to Invest In Delhi NCR Real Estate Market

Delhi, the capital city of India, is one of the most developing cities in the country with incomparable growth and development in various sectors... The real estate investments in Delhi NCR Real Estate Market offer huge profitable rewards due to many reasons. Owing to the constant rise in real estate prices, there has never been a shortage of investors availing profitable opportunities by investing in properties.
Cosmic India

There square measure numerous kinds of properties accessible for investors and patrons these days. The town is well-known for its lovely leaf and sumptuous sceneries. Within the past few years, the demand for both commercial as well as residential property in Delhi NCR is on the high. With over thousands of migrants from neighboring states, the demand for residential as well as Commercial properties has skyrocketed. This is often one among the explanations for prime costs for real estate Delhi.

Delhi, the capital city of India, is one of the most developing cities in the country with incomparable growth and development in various sectors... The investments in Delhi NCR real estate market offer huge profitable rewards due to many reasons. Owing to the constant rise in real estate prices, there has never been a shortage of investors availing profitable opportunities by investing in properties.Today there has been a rising demand for luxury residences and villas. Moreover, there square measure noted builders and construction firms that build lovely and splendid residences within the heart of the town. Most of those residences square measure inclusive of all the amenities as well as gymnasium, searching complexes, theatres, swimming pools and fitness centers. Several of that luxury residences square measure in shut proximity to airports and industrial centers those additional hikes the costs of those residences.



Apart from villas and apartments, residential property in Delhi also includes penthouses which are considered to be profitable investments. The real estate business also includes rented and leased properties. The rents of both residential and commercial property are constantly on the rise every year.

Related Posts :

Role of Real Estate while planning retirement

Indian Real Estate : Time for bubble to burst

Latest Delhi NCR property buying tips

Information about Real Estate Development in Gurgaon

Tags :  Real Estate Investment, Delhi NCR real estate projects,property trends in Delhi NCR,residential projects in Delhi NCR,Cosmic Group, Cosmic Structures .

Friday 8 August 2014

Real Estate Boom in Delhi NCR



There is an unprecedented real estate boom in parts of India. These are the National Capital
Region certain parts of Delhi, Noida, Gurgaon, Faridabad. It is to a great extent, driven by the huge growth of the IT and BPO industry. As the IT industry grew, employees got onsite (literally - at the client site, as opposed to offshore) opportunities. Onsite typically meant being paid in US dollars and thus many employees earned a lot of money.

Cosmic India

The demand for plots of land went up with the boom in industries. But with the cost of a 30X40 ft plot plus home going for the equivalent of 5 million rupees in a good residential area, apartments soon came into favors.

The buyers earned a lifestyle equivalent to the lifestyles abroad, and they had the capacity to pay. This reduced the "matchbox" apartments on offering and has spawned a host of self sufficient complexes. Soft interest rates on home loans, a tax incentive on home loans and the general growth mode of the economy are other factors driving the real estate boom.

New apartment’s complexes have recreation facilities, basement parking, security, power back up, good lawns and even swimming pools, all of which are very difficult to get when one goes in for an individual plot.

When every builder began to offer these, the bigger ones began to offer multiplexes, shopping complexes and schools. Not content with differentiation, it is now snob value - Complexes modeled on resorts, European looks, vast open areas, pools lined with Italian marble are the latest fad these days. While this is a good thing, in the recent past, real estate in Bangalore has reached crazy levels of prices.

Even now, a significant percentage of the buyers are genuine buyers who intend to stay in the apartment they book. But when there is a genuine demand, speculators can’t keep off.

At the recent launch of a highly advertised complex in Delhi NCR, about 2000 apartments were sold in 2 days flat and there was a congregation of about 6000 people waiting to book apartments. Among those who booked apartments, many just got to choose the floor and pay the booking amount. No real apartment has yet been allotted to them. 

Considering the pathetic infrastructure in Delhi NCR, it is surprising why the rates are so high. Just outside these posh apartment complexes and layouts, roads are broken, small and there is no sign of any public transport at all.

Is it a bubble or the beginning of one? Is the bubble on its way to burst or if it will continue to grow for a while is something that will be decided by the growth of the economy.

Related Posts :

Positive feelings towards home ownership on the rise

Booming property market of Delhi

Real Estate Development in Delhi NCR

Delhi Metro and its influence on Real Estate

Recent Trends in Real Estate


Tags : Boom in real Estate, Increasing trends of Real Estate,Delhi Metro influence property in Delhi NCR, property bubble to burst.

Friday 1 August 2014

How to Get Lower Rates for Your Home Loan



The market is fluctuating, interest rates are coming down, but the EMIs you have been paying for the home loan you took out five years ago is still the same? Do you feel the pinch when you see your hard-earned money going down the drain? Is it time to think about refinancing your home loan at a lower rate? I say it is! So how do you go about getting your bank to agree to lower your interest rates? Take a look.

Cosmic India

Do not default on your monthly EMIs on your existing loan(s)
Now this may seem like a reiteration of the same advice given by hundreds of other banking and mortgage sites, but that does not take away from this basic truth.
The crux of the matter is that banks do not like defaulters. Even one defaulting of your monthly payment will bring down your scores and you need good scores before you go knocking at your bank’s door for a refinancing of your existing loan.

Rule of thumb - Make sure that not just your home loan repayment history, but your credit history is impeccable too. Do not go overboard with a shopping spree and then forget to repay your credit loans on time.

Approach the bank when the market rates are lower than your EMIs
Suppose you are paying a fixed interest rate of 9.5% for your home loan for the next 3 years and the market rates have gone up to 10.2%. Then it is not the right time to approach your bank. You should be approaching your bank at a time when the interest rates are actually lower than what you are currently paying. In fact, the best time to approach your bank would be during property expos or loan meals. Interest rates and terms tend to be flexible around that time.
If you are paying a floating rate then the EMIs you pay will more or less be the same as the current market rates.

Have your financials ready and up-to-date
What do I mean by this? Your paper work for applying for a refinance should be up-to-date. Your will need to have your account details including those with other banks and details of other loans with you. Your tax receipts should also be ready and paid on time. Refinancing a loan requires almost the same kind of paper work like the first-time round you took out the home loan.

Ask, ask and ask, and you shall receive
Sometimes your bank will turn you down when you ask for a lower interest loan. In that case do not be disheartened, but keep pestering the bank executive every quarter.
Modern banking practices are a lot more flexible than they were a few years ago. Bargaining is an art not confined to the shopping districts anymore, but works in the corridor of banking finances too. And your bank executive is not always going to call you and let you know when there is a change in the bank’s policies regarding loan rates. It is up to you to be proactive and save yourself some money by being up-to-date.

Play the “I will switch banks” card
Yes, it is! But hey, it is your hard-earned money. You do not have to give away money for free to your bank when there are better options out there. Most banks do not like to lose customers. So they will be ready to make the switch. There might be a small fee involved in switching over from a higher to a lower rate.

Hone your people skill - If you are really charming and verbose, then you may even get away with not paying the processing fee. So hone up on your people skills.

Approach private bank(s) at first
Another devious, or smart plan, is to approach a reputable private bank for your home loan. Their initial disbursement is faster than your average public sector bank, but their rates might be high. However, you do not have to run from pillar to post to get the loan sanctioned, because private banks are usually competitive and efficient about sending their personnel to you and getting the paperwork done at your place. Stay with the private bank for 6-12 months, and then switch to a public sector bank that offers a lower interest rate

So, gear up your loin clothes (metaphorically) and get ready to speak to your bank executive if you feel it is time to refinance your existing home loan to a lower interest rate one. May be that extra money you save could go into your long term savings and towards buying a vacation home?

Related Posts :

How to get get maximum benefit out of property investment

Understanding Home Insurance 

Economiser controls on real estate property

Tags : Private banks protocols,home loans,RBI rate of intrest,new rules for lower EMI's, bank home loans schemes.Cosmic Structures,Cosmic Projects..

Saturday 12 July 2014

Why You Should Inspect Your Home before Listing

Typically, the buyer pays for and arranges the real estate property inspection. But if you're the seller, you might want to jump the gun and have your home inspected—weeks or even months before you go on the market.
Why? Having an inspection done before listing will give you the leg up when it comes to pricing and negotiating your home's sale. It's also a sign to buyers that you're being transparent, upfront and honest.

Cosmic India
Here are three reasons sellers should have inspections before they list their homes:

Buyers will be more confident in your property.
When you have a presale inspection done, make the written report available to potential buyers. Seeing the inspector's report up front will give buyers the added confidence to make an offer on your property. Plus, you'll weed out the buyers who may not be into small fixes.
Unfortunately, this isn't the way it normally plays out. Usually, the seller has no inspections or reports. The buyer makes an offer, assuming that the property is in good condition. The seller accepts the offer, and the buyer begins his due diligence. The earnest money is deposited, and the inspections and loan processes begin.
However, if you'd done a property inspection before going to market, any issues would become obvious to the buyer before his or her offer. And both parties could have avoided wasting time and energy.

A presale inspection helps you price and market your property.
A presale inspection can enable you to fix glaring home improvement issues, which in turn helps you properly price and market your property. For example, if you know your home needs to be re-roofed, you can either have it fixed before listing or factor the need for repairs into the price. The latter option can spare you from dealing with buyers under contract who want to negotiate the price down or receive a credit after the inspector informs them about the roof.

Buyers Will Be More Confident in Your Property

When you have a pre-sale inspection done, make the written report available to potential buyers. Seeing the inspector's report up front will give buyers the added confidence to make an offer on your property. Plus, you'll weed out the buyers who may not be into small fixes.


Related Posts :

Sound Agreement between buyer and builder

Essential tips on buying property

Things to know before you make an offer on a house

Tips for buying investment property 

Plan your real estate nest egg investments and assess risks

Selecting Right real estate investment

Commercial real estate does not have to be hard -try these steps

Tags : tips for buying and selling, false statements made by seller or builder,presale inspection,check all legal documents,Cosmic Projects,Cosmic Structures.

Tuesday 8 July 2014

How to buy your first sweet home


You may envy your neighbor’s real estate property and may have a hidden desire to purchase a similar home, but there may not be a way to get there. You may not have sufficient money for buy your dream home! It is a known fact that if your savings increase, then you will be able to purchase your desired real estate property at some point. On the flip side, if you fail to save sufficient money, the chances decrease.

Your negotiation skills also play a major role in determining how well you’ll be able to repay the loan. A good amount of savings can also mean you don’t need to purchase mortgage insurance. So what are the ways of using savings to your advantage? Paying rent and making an attempt to save simultaneously may turn out to be a difficult task!

Those living with their relatives or parents, may find it easier to save when compared to individuals who have to pay real estate property rent on their own but, this doesn’t mean that individuals, who pay their own rent cannot save. They could move to a real estate property where the rent charged is more reasonable and while it’s true that initially they may have to make some this adjustment will not be wasted! Remember, the saying “A little progress every day adds up to big results”! Just think, they can purchase their dream real estate property with the help of the money they have saved in all these years.

Irrespective of accommodation and income costs, budget planning is an ideal option if one aims to save a good deposit. This approach should be the initial step towards monetary prosperity. Interestingly, this also paves your way to purchase your first home.

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Tags : New Home Buying Strategy, property buying skills,negotiation skills,Cosmic Projects,Cosmic Structutres.

Tuesday 1 July 2014

Commercial Real Estate Property Investment Best Way to Earn Good Return


Commercial real estate property investment Cosmic India is one of the leading Real Estate companies in Delhi NCR, India. Our team of strong knowledge of real estate provides maximum benefits of the buyer or investors. We are property consultant firm and help you over 24/7. We have many big companies associate with us with their mighty projects and we always work hard to provide the best service to our client.

Cosmic India
We believe in enhancing lifestyle and the people by innovating focus technology and techniques by delivering beautiful residential and commercial real estate property in India. Our experienced team of real estate professionally specializes in identifying the needs of the clients precisely and offering the most profitable solutions. We believe in long trustworthy and crystal clear relationship.

We are also a consultant firm with all the expertise in real estate. We provide you the best solution of your problem. Any kind of problem related to real estate, we give the right solution. Our client relationship is founded as natural respect and trust. We can explore your requirement and suggest the clear-cut area for you as per your budget.

Satisfaction is the key of success in the corporate industry and our main motto is to satisfy our clients and we all work together to provide the satisfaction to them.

Real estate is becoming booming sectors in India and we wish to be the part of this revolution. We strive to ensure more and more people enjoy the ownership of their dream houses / apartments/commercial.

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Tags :  Invest in Delhi NCR.investment in commercial projects, retirement plans, property make good returns, Cosmic Projects,Cosmic Structures

Friday 20 June 2014

Possible effects of election on Indian stock markets


As the majority wins in the general elections all the major realty top shots, stakeholders and investors are holding high hopes. They are expecting to see major changes in the real estate industry in India is the coming few months. Most of them even have started planning on the launches of new development and housing projects around the major metro cities all over India with the hopes of increasing demand among buyers. Until now, due to the unstable realty industry, most of buyers were reluctant in investing in their dream house, but no more.

Cosmic India
If the last periods are discussed, we have seen high escalation in the prices of property throughout India. Even though the demand was decreasing due to the high cost of the property assets, the costs maintained on the top level. The developers and property experts are blaming lack of stable economy as well as political conditions in India for the same. Moreover, with the regular property scandals and corruption swindles coming up, buyers were uncertain about almost every other development project in the realty industry.


The high rate of interest on property loan as well as grants given to developers, also contributed in increasing the cost of the property. Common people, who are the major buyers of property in India were trying to control the flow of the money with the regular inflation and weakening economy in the country hence contributing to the decreasing demands.

A stable government with several new attempts of economic regulations might contribute in bringing up the realty industry from the depths. They might even contribute in reducing the time taken for the project approval, which often increases the cost of the project hence the property. Also, there are speculations about the low interest on property grants as well as the loans for housing deals. All this with a couple of standard economic regulatory steps can work out for your dream house plan.

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Sunday 8 June 2014

Why you need to be Careful about Seeing the Sample Flat


A visit to see a sample flat is perhaps one of the most basic steps in the purchase of a real estate property and as a customer you need to be more careful to identify with the meaning of a sample flat visit.

Usually the sample flat story turns sample flat 300x200 Why You Need to be Careful About Seeing the Sample Flat-out like this – the moment you look at a sample flat, something happens to you. The sample flat is usually made to look beautiful and quite mesmerizing so that, as a customer you get impressed all so soon. But here is the catch; you really need to understand the finer details of your property before getting impressed by sample flats.

Cosmic India
As you visit a example flat, one of the first things you should do is to slow down a bit and clearly think about the place as the one which you have desired and stop yourself from getting biased by the special feel of it, because it might have been created to suit all the eyes and arouse emotional feelings.


You need to visualize your personal belongings in the sample flat, your furniture, bed, kitchen belongings, your own Sofa, your TV, your Washing machine and Refrigerator and everything you own and ask where will you keep it and most importantly, how all these things will look like in the sample flat?

And yes, if you are considering finalizing the house, then actually mark places where you will keep what and check the space it will take, All these will help you provide some of the important answers to address the challenges while purchasing. After this, you will have a clear vision on the property which will be truly your own vision.

As most of the customers aspire to live in premium living, builders do their homework quite well and create an aura behind their sample flats. The key is to look beyond that aura and find the reality that is your own reality and the one which you are living in real life. And understanding your specific requirements will surely help you towards understanding the property that you want to live in for the rest of your life.

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Friday 23 May 2014

Tips to Sell a Real Estate like Professional

Investing your money on real estate is a good idea. You will get a lot of benefits by involving yourself in such a real estate business.

Cosmic India
In order to gain many benefits just like a professional real estate agent, you are required to follow these tips. First of all, what you need to do to start selling a real estate, including a house, garden, and free land, is considering the best advertisement. Professional real estate agents also use advertisement to get their customers. However, if you want to get better result and fast buyer, you can rely on classified real estate advertisement. Classified advertisement means that you should make use of local newspapers to gain attention from local buyers. This kind of advertising strategy is much more effective than any other types of advertising strategy. Focusing on local buyers is a better idea you should try.

Secondly, to be successful on real estate business you need to prepare yourself to be a good real estate professional. You have to prepare your own business card to keep in touch with your customers. Business card does not only ease the prospectus buyers to contact you but it also eases you to promote and advertise yourself as a real estate professional. Thirdly, you should make use of self resume. Professional real estate agents uses self resume to help promote themselves in front of the prospectus buyers. Self resume is very beneficial as well as the business card. You can also attach your self-resume on your website or on the flyer you are preparing. Lastly, selling and purchasing real estate requires you to use any other advertisement tools. Flyers, billboards, radio announcements, and yellow pages can be a good idea you can use if you want to reach farther prospectus buyers.

Running a real estate business like a pro will give you a lot of benefits which can support your finance. However, to join a business of selling and purchasing real estate requires you to be a bit tricky and more strategic.

Wednesday 7 May 2014

Easy Sales Tips for Your Real Estate

There are lots of things to read out there about selling real estate. A lot of the time, these publications is not worth your time. These can be found online or offline, and usually contain bad advice. This article, however, sticks to real estate market facts, and aims to give you the honest advice you need in order to become a successful real estate seller.

Cosmic India
You may have to negotiate your asking price with potential buyers before you arrive at a deal. If you feel as if you need to sell the house as soon as possible, it is best that you give the other party some leeway and are capable of agreeing on a fair deal when it arises. Wait for the perfect offer that appeals to you most if you aren't in a rush to sell.

Use as many channels as necessary to find or market your real estate. If you use industry professionals, newspaper listings and online resources, you will stand the best chance of reaching a broad buyers market to sell your own property. It is important to take advantage of every possible alternative in order to maximize your effectiveness.

You need to be careful when choosing a real estate agent, when you are selling or purchasing a home. You should make sure the agent you are working with knows what they are doing. An experienced and knowledgeable agent will help the process go easier and faster. Hopefully, after evaluating these suggestions, you will be able to put them to good use for you.

Friday 18 April 2014

Investing in commercial real estate

The current economic and financial climate poses big challenges for both Real Estate Company and buyer and seller in India. A high degree of uncertainty, poor growth outlook and volatility in financial markets have increased risk aversion to an exceptional level.

Relative price stability is one of the key attractions of both residential as well commercial properties for many multi-asset investors. Partly this comes from the high income component of the return from property.

The real estate market in India has 4 sub-sectors in total and these are retail, housing, hospitality and commercial. The real estate industry in housing has observed a great demand for the last decade. The real estate market has seen shortfall in the supply at a consistent rate which is changing now, aggressively. The markets in and around Delhi have been the top choices for the real estate investors and are growing practically at a great rate.