Invest in
real estate or invest in shares? You may have often wondered which the best
form of investment is. Both have an image of being lucrative, but which is the
better option? Is it better to invest in shares, or should you consider
purchasing real estate instead? There are many options available when it comes
to investing. The two most popular ones
are real estate and stocks. But, many people find it difficult to choose
between the two and often end up choosing both or none at all. Real estate and
shares are two valuable investments. When it comes to buying real estate or
shares, the ultimate choice is yours. Both entities will give you a financial
return on your investment (ROI), but they can be different in many ways.
If you
understand what you've been doing, stocks can be a wise investment. You don't
need a large sum of money to make investments in stocks and shares. There are
several ways to do so, covering everything from mutual funds to using a share
broker. You can also buy a stock market tracker or invest in equities. When you buy stock in a firm, you are truly
purchasing a part of the company's ownership. Because of this, the value of
your investment will increase or decrease depending upon how the company
performs. In reality, stocks have a
downside. They're a bit more dangerous, when you're buying stocks you end up
with an excessive amount of risk exposure.
On the other
side, real estate is a highly accessible investment in many dimensions. You can
estimate its worth and assure that you'll be able to earn the profits you
desire. It's a tangible asset that comes with a slew of advantages, involving
cash flow and appreciation (as do some share investments). As well as leverage,
which allows you to grow your investment by borrowing money from the bank.
This, blended with real estate's ability to function as a long-term hedge
against market volatility & inflation, creates a powerful combination. And
thus, makes it one of the safest ways to accumulate wealth, keep it, and even pass
it down to future generations. You can either lease property for others to use
it or buy property and rent it out yourself. Despite a few setbacks, it remains
the best investment opportunity and will continue to develop in the future. Because of considerable economic growth, the
average pay in most Kerala cities has improved. This provides everyone with a
reason to plan for the future, making real estate a great investment
alternative.
Real estate
has a weak correlation to the other major asset classes, i.e. even if the
economy experiences a slump, stocks or shares may stop providing dividends,
real estate counteract any severe economic downturn.
To sum up,
Long-term
planning for the future is often difficult, but it’s necessary if you want to
be successful. This is particularly true for people and families that are
looking to invest their money. Making a real estate investment can help provide
a steady stream of income and create peace of mind in the long term. Real estate has consistently outperformed the
share market over the last few decades. It's performing admirably and has
persuaded investors that it is a sound investment. If you are looking to make
money through your investments, then real estate is what you want to go with. It is better than shares, because the return
on your investment will be much higher. The prices of real estate are
increasing every year and if you invest now, then you can expect a high ROI
(return on investment).
So, if you
are looking to buy an apartment in Kerala, then you can choose Varma Homes, a
trusted builder in Kerala. Varma Homes is a renowned real estate builder in Kerala
that offers residential properties at best rates. You can choose from an array
of options to suit your requirements and budget. We have our apartment projects in major
cities, such as Kochi, Thrissur, Thiruvananthapuram, and Kozhikode. Choose the one that suits your needs best! Contact
us today for further information or visit our website for more details!
It is everyone's longing to turn out to be financially independent. For this, most people depend on traditional ways to earn more, like being salaried in an organization or being self-employed. Yet there are different medians for individuals to enjoy surplus monetary advantages like stock purchasing, shareholding, and the long and worthwhile standby of retirement pension. Apart from all these, the most efficient way to earn is by investing in real estate. You can relish a profound pace of profits, astounding tax benefits & leverage of land to construct your wealth. Here are some reasons why real estate is an extraordinary investment. Reason 1: Predictable Cash Flow Cash flow is the net spendable profit obtained from the investment after every single operating cost & home loan installments have been made. When you purchase a good property from a reputed real estate builder in Kerala, the cash flow will be just as hefty. You can make money through rental income as it tends to rise over time, which can lead to greater cash flow. In most cases, cash flow makes stronger over time as you pay down your loan & build up your equity. As well, RBI has recently declared a reduction in the REPO rate which creates home loans even less expensive. So this will help you to smoothly begin your investment & hence increase cash flows. Reason 2: Get the Most Delightful Return on Your Investments From the pool of real estate builders, you can select the best real estate builder in Kerala who can offer the best quality construction works for their projects. Because the quality of the construction work matches the most excellent grades. So it comes with assured safety, security & top-notch amenities. This shows, by investing in those properties, you are going to accept the most appealing return on your investments. Reason3: Financial Security over Time While another reason that forced people to make their investment in the realty market is long term financial security. If you have a constant flow of cash in succession, the bonuses of this investment yield monetary bonuses for a long time. Possessing a residential property can give investors a sense of security due to the property appreciation over the long run. Well, this is only possible when you invest in the right place. So it is always advised to completely research the location before finalizing the negotiation on the apartment of choice. Reason 4: Hedge against Inflation In contrast to most different sorts of ventures, the realty market can contribute a hedge against inflation, which is yet another reason that pulls customers to put in this income stream. I.e. with high inflation, your rental pay & property value develop profoundly. Hence investors welcome inflation wholeheartedly because as the cost of living rises, so makes their cash flow. Accordingly, buying a property offers extra investment security during inflation. Reason 5: You Become Your Own Decision Maker The most satisfying part about real estate investment is that you become your own boss. Similar to any other business you have total authority & freedom over your investment strategies just as your flops and achievements. You make better decisions on which property to invest in, the tenants who will live in your property, how much rent to impose per month and so on. Reason 6: Qualifies you for Tax Deductions Another reason that real estate is an extraordinary investment, is the tax deductions you can take in this income stream. You get to deduct expenses straight connected to the operation, maintenance & management of a property such as property maintenance, insurance, maintenance repairs, property management fees, repairs, travel expenses, legal fees, and even the interest paid on the home loan. All of these deductions will reduce your taxable income, which might save you cash while you file your taxes. Reason 7: Admittance to Credit Reliant upon a variety of features, extra payment created from real estate investments might grant you admittance to added credit. Usually, loaning institutions finance more money to individuals who get more cash flow. The additional payment generated using property ventures may unfold more comprehensive credit lending entryways. To Sum Up, You can see the profits of investing in real estate while investing in other sorts of investments like the stock market. Investing in real estate can be your ticket to making passive income & reaching long-term financial stability. Nevertheless, before you can obtain these things, always remember that you need to make careful decisions when investing in your property. I.e. while choosing the right builder for your investment, is the first and the most important aspect when it comes to a real estate investment. If you are seeking a top-rated & most well recognized real estate builder in Kerala, then head over to Varma Homes and start searching for investment properties for sale across Kerala. We have our apartment projects at the prime locations in Kochi, Tripunithura, Thiruvananthapuram, Thrissur, and Kozhikode. Visit our website to get more information about our projects. Get in touch with us today to start an investment with us that will definitely offer you a lifetime of fun, happiness & priceless memories.
Read MoreEveryone has biased opinions of apartment living. In fact, it has diverse perks that differ from the living of an independent house. Well here are some common myths circulating about apartment living in general. Fortunately, these are just those myths! However, the truth is, an apartment is a better option than an independent house in several ways. Take a look at common myths about apartment living that need to be busted. Myth#1: Lacks Social Life Many accept that apartment tenants favor keeping to themselves & that individuals are not friendly. It's really funny when individuals assume occupants in apartments are excessively straight confronted and are probably going to mind their own interests. But in reality, luxury apartments have a wide range of amenities to keep the sporty vibe in the premises going. Right from ultra-luxurious clubhouses to complete health and sportive conveniences, they have everything. So apartments with an extensive amount of amenities promote social living and make everybody a part of a close-knit society. Myth#2: Not Convenient This is one of the greatest wrong misguided judgments about apartment living. Whereas apartments come with different conveniences to guarantee a serene & happy life for occupants. Be it maintenance or security, apartments are prepared to offer the best of metropolitan living. Myth#3: There Is No Privacy Apartments these days are created with much more consideration about the living experience than any time before. They are designed in such a means to guarantee the total privacy of families living inside. They are signified to give a hotel-like feel to the homes with no/minimum common walls within the apartments, soundproof walls, and a lot more customized conveniences to ensure privacy. Myth#4: Too Expensive Individuals will in general consider apartment living as a costly issue when contrasted with autonomous houses. In any case, apartments make a commendable investment guaranteeing quality living will all the essential conveniences. From swimming pools to 24 hours security, apartment living makes life simple. Myth#5: Not Sufficient Space Oftentimes when individuals hear the word 'apartment', they promptly think about a shabby, confined living space with no storage alternatives. Actually, numerous luxury apartments have a ton to offer in storage terms. Search for homes with spacious balconies, open-plan living, higher than normal roof heights & so on, where there is no question of space shortage. There we can find functional design elements such as separate laundry spaces, natural light, ventilation, and much more. Myth#6: Not As Safe As Independent Homes Basically, all apartments are provided with 24 hours security & CCTV surveillance of premises to guarantee the wellbeing and security of the inhabitants. Hence these are really more secure than independent houses which have the least security around the premises. Furthermore, the vehicles too have much greater and optimized space & safety in the car parking area of apartment premises, which is more protected than a car park in the garage of an independent house. In a nutshell, Perhaps the main thing you ought to get from this is that things that may appear obvious aren't factual. In fact, investing in luxury apartments can definitely be a great deal. But when managing your purchase of an apartment you should make an honest effort to research as much you can. Before focusing on the right apartment project to purchase, guarantee that you pick a renowned & reliable real estate builder with a good track record & reputation. As a home purchaser, it is your privilege and duty to check if the builder has enlisted the project with RERA & so on. If you are in search of the best builder, then here is your right choice, Varma Homes a name that stands for perfect top-notch quality home builders. We have a legacy of expertise in this field and refinement that is reflected altogether in our residential projects since the day of inception. With superiority apartment projects, we are probably the best builder in Kerala offering affordable and luxury apartments in prominent places in Kerala such as Kochi, Tripunithura, Thiruvananthapuram, Thrissur and Kozhikode. We ensure that all our apartment projects are constructed to serve the requirements of our buyers & and meet their happiness. Moreover, all Varma Homes projects are well planned & executed to guarantee that apartments are delivered on time, every time! From luxury to super-luxury apartments, we offer the ideal choices for home-purchasers looking for quality apartment living. After all, at the end of the day, we all want a home that matches our lifestyle, so enquire now to get what you dreamt of!!!
Read MoreThere are numerous things to think about when purchasing a luxury apartment in Trivandrum. Thispurchase will allow you to build the home of your dreams for your family. As a result, you shouldthink carefully before choosing which property to consider. The location and surroundings need tobe considered first and foremost.Neighborhood is important when you buy flat in TrivandrumYou shouldn't settle for a bad neighbourhood. It ought to be a tranquil neighbourhood withconsiderate neighbours and a reliable security system. Additionally, it should be close to all of theimportant amenities like hospitals, schools, and colleges.Following this, you can consider additional elements including the apartment's location, size, andfacilities. Check to discover if there are any additional amenities like swimming pools, gyms, orrecreation areas available.It is crucial that tenants have all of these amenities in their residence, in addition to a number ofothers, if you are purchasing an apartment to rent out to tenants.Commute TimesThe second thing to think about is how long it will take to go to municipal amenities. Purchasing aluxury apartment in Trivandrum, especially one within the city limits, can be expensive andoccasionally exceed your budget. Go for it if you can afford it.The Apartment's LocationWhen buying a flat, it's crucial to keep the apartment's location in mind. The apartments inTrivandrum should be situated so that staying there would satisfy all of your needs. It should beclose to reputable hospitals, schools, and markets, as well as other amenities like post offices andATMs.You shouldn't have to worry about anything while visiting if it is safe, tranquil, and has little to nocrime. The neighbourhood in which the home is situated is crucial because, if all goes well, it willmake your decision simple.The cost of the homeThe cost of the home should not exceed what you can afford to spend on it and should fall withinyour budget.If at all feasible, seek assistance from a professional or real estate agent who can inform you on theneighborhood's location and other amenities as well as the average cost of homes there.Visit the region if you can so you can see how much room is available there and what amenities,such as hospitals and schools, are close to your home.Future Resale Value while purchasing a Trivandrum apartmentThe second factor that should be carefully studied before buying a flat is the pricing. It needs to bereasonably priced and within your means.The property's location is a crucial consideration while choosing it. You will have to spend moremoney on transportation if it is not at a convenient location. Therefore, it should be in a goodneighbourhood with all the essential services like markets, hospitals, and schools.Before buying a home, there are a lot of factors to think about. If at all possible, visit the property toexamine what is offered before making a decision.Infrastructure QualityIt is crucial to be aware of the infrastructure quality in the area where you are purchasing a home. Itis challenging to investigate this before you purchase a property, nevertheless.Therefore, if at all feasible, ask others who have already purchased properties in that area.Before buying a property in any city, you must also take into account a number of other factors. Areal estate broker or an expert should be consulted before making a decision.Community feeling in the area.The neighbourhood where you plan to buy a house should have a strong sense of community. Thiswill assist you in meeting new people in the area and having fun with them.Due to the rapid market change, now is the ideal time to invest in or purchase residential properties,flats, and apartments in Trivandrum. One of Trivandrum's most reputable and trustworthy builders,Varma Homes, provides high-quality residential buildings with top-notch amenities in excellentlocations.
Read MoreWith the government's new initiatives in the real estate sector, buyers have a plethora of apartment choices. However, owning a piece of land still has an unrivalled prestige value. So, when it comes time to relocate or invest for a more secure financial future, many of us are caught between two options. Here we compiled this helpful list that will help you choose wisely!Investment FactorOne of the primary disparities between a plot & an apartment is that you'll have to live in your very own house right from the moment you acquire an apartment & you'll save a lot of money on your rent. Whereas a plot allows you to create your own customized home, until then you won't be allowed to live there & you'll have to pay rent even if you invest in the plot. Also, when you buy an apartment, you can use it as an investment vehicle as you rent it to someone, but in the case of a plot, it won't be possible. So, compared to plots, an apartment is a smarter investment choice.The Hassle AspectAn apartment is actually a comprehensive package for standard living; you can select one that would be ready to move into where it contains all the things that an apartment life demands. Hence, you won't be worried about any further headaches or strain. A plot that you wish to build on is just land & you have to build it from scratch & you'll now have to deal with the troubles & groundwork of building the structure, obtaining legal permission, & ultimately upgrading it with lifestyle elements to keep it livable.Financial AssistanceFinding financial help for the purchase of a plot is more difficult than for the purchase of an apartment, since financial companies are hesitant to lend money for the purchase of a plot. So, as a result, there are limited alternatives for purchasing landed property, as banks often do not provide financing for the purchase of a land/plot, but it is effortless to get a bank mortgage for the purchase of an apartment.Compliance AspectIn general, the plot is considerably more likely to get entangled in legal complications & litigation. So, when you purchase a plot, conduct thorough research on any conflicts, & ensure to keep an eye on it till you build your home on it. As in India, several issues are raised regularly relating to illegal land capture. Although these concerns are much reduced when purchasing an apartment when the buyer is protected by RERA & he or she has the right to go for a petition for compensating & remedial action, if the builder didn’t guarantee their promises. Accordingly, as a precautionary step, today's builders will exceed expectations to guarantee that all legal & financial requirements are met.Return on InvestmentA plot can be acquired for the intent of constructing a new structure to get profit, or it could be utilized for other reasons. If you plan to acquire an apartment, only do so upon assessing the growth prospects of a specific neighbourhood. Your apartment's ROI will be higher depending on where it is located. Because of the increased movement of workers from other cities, an apartment in a desirable location will always have greater rental yields, providing you with a monthly second income & assisting you in being financially secure.Tax TreatmentThe tax treatment of plots & apartments differs. As in the case of an apartment, first-time homeowners are eligible for specific tax breaks. The tax deduction for interest on plots is allowed only in the year where construction is finished. Interest accumulated during project construction can be reclaimed as a deduction across 5 years in equal payments beginning with the year the work is finished, resulting in a delay in tax advantages. Holding a plot as an investment is not tax-deductible, but you can request a deduction for the interest given. Conversely, if the plot remains barren, it might not be eligible for a tax break.Value AppreciationThe plot has comparatively better value appreciation than an apartment. This is mostly due to the scarcity of plots on the market. The value of a property is determined by its location & proximity to major infrastructure developments. However, the land market is a cobweb, so when you buy, you must be vigilant. So the safest choice for individual investors is to buy apartments; keep it simple & get your 20 or 25% appreciation because the land is all about where you want to be on the risk-reward spectrum. Also, make sure to select an apartment from a reliable builder with a good location & surrounding infrastructure to increase the value of it.Scope of ResaleApartments are easier to sell as there is always a huge demand. Furthermore, apartments provide a variety of facilities as well as security features. The attraction of plots is that the owner owns the land & can create a new house to optimize returns. But when you plan to sell it, it may not be fundamentally enticing to a possible buyer market. He/she may then either invest more in repairing it or entirely demolish it to create a new one. This might have a reasonable impact on the price of the house. However, in the case of apartments, such an issue does not exist as they’re available with a fixed structure (part of the structure) &, thus, more convenient to sell at the value without extensive negotiations.After considering your wants, financial status, & commitments, take the best alternative. Having a plot implies that you should be careful with some choices. However, the benefits for apartments may be far greater than for plots. Because everything is already in place, you may begin earning profits on the first day. It is critical to seek apartment properties in affluent locations and, of course, from a reliable builder, so that you'd have a good chance of making a regular return. If you are looking for your dream apartment in the heart of Kochi, Thrissur, Thiruvananthapuram or even in Kozhikode, then do visit Varma Homes, one of the top ranking and most trusted builders in Kerala. We strive to enhance top-notch quality construction materials to create apartments that will stand the test of time. With us, you shall not be disappointed! You will get the guarantee of quality residential options that provide not just great living spaces but also a lot of happiness.
Read MoreBuying a home is one’s lifetime event and it requires a great deal of effort, time, and money. From the years ago, buying an under construction apartment or flat was a risky choice. But now the introduction of Real Estate Regulation and Development Act (RERA) has revolutionized the entire real estate industry and turned it as a productive platform for new buyers. With the enactment of the RERA, buyers can now stop concerning fake practices that formerly were an essential segment of the real estate industry deals which comprises properties under construction. They are: ? Fake agreements of sale ? Delays in passing over properties ? Unprepared changes in construction plans ? Absconding builders ? Acquired illegal permissions Real Estate Pacts in RERA It is true that the before RERA, the real estate industry faced challenges. But now the real estate industry of Kerala has moved out over an extreme makeover when the implementation of the RERA occurred. It helped to generate more reasonable and fair transactions among the home buyers and developers of villas & apartments, making purchases more simple, clear and liable. RERA has formed a pool of buyers who can positively choose for any apartments or luxury flats which is under construction. So let’s check out how the RERA has transformed the earlier norms in the real estate sector. Compulsory Registration Projects with a plot size of minimum 500 sq. meters or having more than eight apartments must be registered with the corresponding state’s RERA. Current projects where the occupancy certificate or completion certificate has not been delivered are also required to meet the terms with the registration requirements under the RERA. These aids guarantee that developers & their real estate projects are genuine and they follow every criteria of authority specified as per the Act. Thus when the construction of the apartment begins, the right of buyers are secured under a registered developer. Reserve Account The prime reason for the delay of projects was due to the fund collected for a project, would consistently be diverted to new projects. To stop such diversion, promoters are now compulsory to submit 70% of all projects receivables into a distinct reserve account. The profits of such account can be used towards land & the construction expenditures and will be essential to be certified by an expert. Frequent Disclosures by Developers After the RERA implementation, home buyers can be able to regularly monitor the work progress of their projects on the RERA website since developers will be needed to submit the periodic work progress submissions on the website. Penalty Even if the best builders, made delay for handing over projects, they have to pay compensation. As the government can impose a stiff monetary penalty which may up to the 10 % of the project cost on the builders. There are also other punishments like imprisonments against violators who generate unnecessary massive delays or fraud in the projects. No Longer Exist Pre-Launches without Approvals Based on the rule of RERA, no pre-launches of projects is permitted without getting the approvals from the development authority or local municipal & without acquiring registration from the controller. This allow buyers to confidently invest in the apartments or villas of their tastes which has recently been launched. As of the arrival of RERA act, buyers can stop worrying about their project work progress. The buyer only need to choose apartment from the best builders at the right location. It is also significant to confirm that the possessions for sale have been registered under the RERA. Head off, and never hesitate to purchase an under construction or upcoming apartment with the most trustworthy real estate builder like Varma Homes. All our projects are registered under RERA. We have completed, ongoing and upcoming residential projects in Kochi, Thrissur and Trivandrum which are aimed to construct happiness.
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