A Loan Against Property (LAP) is not a home loan. It’s a completely different financial product that uses your existing property as collateral to borrow cash for any purpose. Most property owners don’t realize this option exists. Those who do often use it poorly, creating unnecessary risk. This guide explains LAP, when it makes sense, … Read more
The biggest decision in property buying isn’t the location or the amenities. It’s the financing.** A 0.5% difference in interest rates costs you ₹15-20 lakhs in extra interest over 20 years on an ₹80L loan. Yet most buyers accept whatever rate their bank quotes first, missing the ₹15-20L optimization opportunity. This guide provides an interactive … Read more
The difference between a good property deal and a disaster often comes down to this: Did you verify, or did you just trust? In Pune’s fast-moving real estate market, buyers often rush from viewing a property to token payment in weeks. Verification gets skipped. And then, months later, when the builder delays possession or the … Read more
Stamp duty and registration charges can add 6-8% to your property cost. And most buyers don’t budget for this properly. You see a ₹80L flat, love it, and calculate affordability based on the sale price. Then at registration, you realize you owe an additional ₹6L in stamp duty. If you haven’t saved for this, the … Read more
Registration is not optional. It is the moment you become the legal owner. You can sign an agreement. You can receive physical possession. You can live in the property for years. But if the sale deed is not registered in your name at the sub-registrar’s office, you do not legally own the property. This guide … Read more
Two neighboring areas in North Pune, 3-4 km apart. One is appreciating 20% per year. The other, just 12%. This is the power of micro-market analysis. Even within the same “North Pune” region, pockets exist where growth is dramatically different based on infrastructure proximity, development stage, and investor demand. This guide compares Balewaldi and Sus—two … Read more
The biggest threat to a property deal in Pune isn’t the location or the price. It’s the paperwork. A double sale, illegal construction, hidden mortgages, unresolved disputes between heirs, fake documents—almost every property horror story comes down to one thing: documents not checked properly before the token money was paid. This guide walks through every … Read more
Wagholi is increasingly talked about as Pune’s next growth area. But within Wagholi, the east and west sides are experiencing very different growth trajectories. Infrastructure projects are transforming Wagholi, but not uniformly. One side has the Pune Metro planned. The other has the express highway. These differences create 15-20% price gaps within the same area. … Read more
Same neighborhood. Same pincode. Yet one side commands 10-15% premium. Kalyani Nagar is a perfect case study in micro-market price variation. Within a single neighborhood, north and south sides developed differently, attracted different demographics, and now have measurable price differences. Understanding why these differences exist helps you determine if you’re overpaying or getting a steal. … Read more
Two neighborhoods just 2-3 km apart. Same pincode. Yet one is 12-15% cheaper than the other.** This isn’t rare in Pune. Within the same “area” (like Kharadi), micro-markets exist based on connectivity, development stage, and proximity to commercial hubs. Bantewadi and Sinhagad Road are both part of Kharadi, yet buyers often choose one over the … Read more