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!
Let's look at the present state of the real estate market so that you can get the best deal for owning an apartment or flat in India. As we know, the real estate market has witnessed a market decline or downfall in the number of people buying residential properties. One of the major cause for this fact that the property prices remain high when it compared to the average income of people. The concept of affordability also affected by an increase in income and interest rates. The rental yield is another factor that determines the level of demand for both investors and end users. Rental yield is the amount of rent paid per annum over the cost of purchasing a property. The demand for real estate started declining from the year 2013. By 2016, it hit an all-time low; the entire market was going through a bearish stage when it was affected by two main black swan events. That is the introduction of RERA in 2016 and then demonetization of Government that demonetized high-value currencies, which in turn washed out 2016 and 2017 for residential real estate. However, the impact of these is only short term and it will not have a long-term impact. I.e., it is true that the residential demand, sales and supply took a hit on the back of uncertainties surrounding RERA and GST. Though, with the improving clarity on GST & RERA, sales are expected to revive across categories and budget segments. Key Reforms In Real Estate Will Lift The Demand Now the change is already visible by the implementation of Government flagship mission “Housing for All by 2022” and its focus on the affordable housing segment. Moreover, the effective implementation of RERA restores confidence among homebuyers and the real estate sector is set to greatly benefit from RERA. Now the Residential real estate in India is set to make a comeback. Demonetisation had a healthful impact on property costs by restricting money transactions and checking speculative evaluation, successively increasing affordability, that may be a key to realize the government's flagship mission of 'Housing for All'. The government has also stretched the credit linked subsidy scheme till March 2020, which offers interest subsidies on home loans for Low Income Group (LIG), Middle Income Group (MIG) and Economically Weaker Section (EWS) under the Pradhan Mantri Awas Yojana. So it is clear that the real estate sector is showing signs of recovery and is in reforming stage where Government put its focus on providing affordable housing, consumer-friendly regulatory reforms and infrastructure to warehousing industry providing a sense of positive market sentiment. RERA and GST are now the prime factors that facilitate a recovery in the real estate sector. Recent evaluations after the implementation of RERA and GST indicate a 6 percent growth in housing sales across some of the major cities in 2018. The growth outlook across both commercial and residential real estate is turning progressive now. Based on estimates, by 2030, the real estate in India become a $1 trillion market. Hence the mess is over, buyers can come across to purchase their dream property without any second thought. Now they need to worry about the only thing that the selection of the best and trusted builder, finding the proper location & amenities while purchasing a ready to occupy or under construction 3 BHK or 2 BHK apartment or villa. Here you can stop your concerns about the selection of the right builder; you can undoubtedly contact Varma Homes, the top builder in Kerala. We have completed and ongoing residential projects in the three major districts of Kerala like Kochi, Trivandrum and Thrissur. Head off, to purchase your dream apartment with the most trustworthy real estate builder like Varma Homes. Find your dream home with us, great experiences are just around the corner!!! Also, read Importance of using RERA website before buying property.docxRead More
The real estate market in Kerala has undergone significant changes over the last decade. As the economy has grown and the population has increased, the demand for luxury real estate has also risen. The changing landscape of luxury real estate in Kerala presents both opportunities and challenges for developers and buyers.Opportunities:1. Growing Demand: As Kerala's economy has grown, so has the demand for luxury real estate. The state has a large number of affluent individuals and NRIs who are looking for premium properties. Luxury homes offer modern amenities, high-end finishes, and a comfortable lifestyle, which are increasingly being sought after.2. Rising Income: With the increase in disposable income of individuals, there has been a growing demand for luxury homes in Kerala. Many professionals who have returned to Kerala after working abroad or in other states are looking for premium homes that match their lifestyle.3. Tourism: Kerala has become a popular tourist destination, and the demand for luxury vacation homes has risen significantly. Many investors are buying properties in prime locations to convert them into vacation homes or homestays.4. Attractive Investment: Luxury real estate in Kerala is a lucrative investment opportunity. Properties in prime locations, with unique features and amenities, tend to appreciate quickly and offer high rental yields.Challenges:1. High Prices: Luxury homes in Kerala are priced higher than other types of properties. This makes it a challenge for many buyers to make it financially viable, and developers must ensure that the amenities and features offered justify the higher costs.2. Lack of Infrastructure: Many luxury properties in Kerala are located in areas that lack basic infrastructure facilities such as proper roads, electricity, and water supply. This poses a challenge for developers to provide these amenities and create a comfortable living environment.3. Regulatory Challenges: Real estate development in Kerala is subject to strict regulations and government approvals. Obtaining permits for construction and project completion can be a lengthy and complex process, adding to the cost of the project.4. Competition: The luxury real estate market in Kerala is highly competitive, with many developers vying for the attention of affluent buyers. Developers must ensure that their properties offer unique features and amenities that set them apart from others in the market.Conclusion:The changing landscape of luxury real estate in Kerala offers both opportunities and challenges for developers and buyers. While the growing demand for luxury homes presents a lucrative investment opportunity, developers must ensure that their properties offer unique features and amenities that justify the high cost. Buyers, on the other hand, must carefully consider the location, infrastructure, and regulatory requirements before investing in luxury real estate in Kerala. With careful planning and attention to detail, developers and buyers can navigate the changing landscape of luxury real estate in Kerala and benefit from this growing market.Read More
The terms "new-launch" and "pre-launch" in the real estate industry refer to the start of a residential project's pre-construction phase. A housing project's pre-launch stage starts when the builder makes an announcement about their new project & begins selling them. This is the best time to purchase a home since it provides a strong return on investment. The main benefit of choosing a newly launched property is its cost-effectiveness. As you know the pre-launch rate of each residential apartment is generally low-priced to attract more buyers, read on to find other major benefits of new launch projects so that you can make a sensible investment decision.Enjoy the Best Deals with an Early Bird DiscountTo entice homebuyers & investors, most of the builders provide enticing discounts on pre-launched or newly-launched properties during the early phase of the project. The prices of new launch apartment projects are substantially lower when compared to projects that are under ongoing construction or ready-to-occupy projects. So, homebuyers can grab the opportunity to book a home for the lowest possible price. The buyer is also fully secure when purchasing new launch projects from reputed builders following the implementation of RERA. Thus, if you're seeking for a low-cost apartment, a new-launch project is the way to go.Price ReductionsPre-launch property rates are fair & significantly cheaper than post-launch rates, which is one of the key advantages of investing in one. After the pre-launch period, the price increases due to a variety of variables, such as rising property demand, new development of infrastructure in the region, rising raw material costs, labor costs, revised legislation, and so on. Hence, it makes sense to block the project before the prices rise. Customization & Add-On FeaturesWhen it comes to picking a dream property, most purchasers consider garden-facing, sun-facing, easy accessibility (like near the lift or the lobby), & the view from the balcony, and so on. Buyers may get more chances to select the best home in its new launch project at a reasonable cost without sacrificing requirements. They might also request structural changes or specific interior finishes from the builder during its pre-launch period. So, early customizations or design changes in this phase do not need rebuilding, saving both the customer & the developer money & also allowing them to stay on budget. Therefore, one will get a good chance of getting their house customized exactly the way they want it if they choose a pre-launch project.A Profitable Investment WindowPurchasing a pre-launch property provides you with the unrivalled benefit of being able to book the home before the rates skyrocket. Investors are hurrying to get their hands on properties as the pace of urbanization picks up. As a result, investing in property during its 'new launch' phase secures your investment before the price rises, giving you an unfair edge. Buying a new launch property is thus a smart investment, not because you'll get a good deal on low prices. However, after the neighborhood has developed, you'll be able to resell the property for a higher price. Thus, buying a property during the launch phase might benefit homeowners in terms of both end-use and resale objectives.So, these are the few advantages of property investing when it is in the early stages of construction. If you're a buyer or an investor looking to make a real estate investment, it's best to go with a new launch property due to the slew of above-mentioned benefits. However, you need to have a look into certain key aspects before buying one. They are:· Invest only in a property from a RERA-registered project.· Make sure you get a top-notch apartment from a reputable real estate firm. This will keep you from having to deal with any unneeded legal or financial concerns.· Consider the project's location, as real estate prices in locations where infrastructure construction is underway are likely to soar. This means that the investors will gain more money when they sell the property in a few years.· Before you pay the money, look over the legal documentation & the RERA registration number that the government has previously ordered. Now that you're aware of the top perks of having a newly launched house, you may begin strolling through the broad range of residential projects offered by Varma Homes. We're a renowned real estate builder in Kerala that offers affordable housing projects as well as luxury apartments in various prime locations in Kerala, such as Kochi, Trupunithura, Thrissur, Trivandrum, & Kozhikode. With our years of expertise in the industry, we’ve become the most preferred brand for quality, reliability, & innovative apartment choices that deliver on time without compromising quality. Contact us to learn more about our options & to locate your dream house.Read More
Everywhere you gaze, you can see a new residential project offering the top amenities for your needs. In this competitive realty market, there avail number of choices, so how does one select the right choice for them. Selecting the right builder plays a major role while purchasing your dream home. Trusting someone to handle our biggest dream is not a simple task, but here are some tips, which will guide you to settle on the proper builder to construct your dream nest. Know Your Builder Before you buy your dream apartment, research your builder. There are various builders of repute in Kerala and most of the information and details on their past projects is public knowledge. However, the ideal way to comprehend the builder well is to talk with their existing customers about their project delivery schedules, how they deal with them daily, their work quality and so on. Check Well the Authenticity Any residential project in Kerala requires RERA certification. Therefore, a builder has to add all the information about the project online. Here one can get the details about the builder as well. Besides, you have another valuable resource like the Ministry of Corporate Affairs official website to access the list of registered builders along with information about them. In this manner, one can understand how authentic their builder is. Previous Work Any time when you start something new, people will always check your earlier work. The same is in the case of builders. So before finalizing a deal do visit a few completed projects of your selected builder. See whether you are comfortable with the way it is designed, the facilities provided, the quality of construction and its aesthetics. The project you have chosen may be quite different from the previous ones, but then again it will give you a basic hint of how the builder maintains the project. Observing at various completed projects will also give you an idea of the range of work the builder can do. Bank Approval If a bank has approved a residential project it is safe to assume that the builder has proven to be financially, technically and legally sound. To approve a residential project bank have to conduct a stringent investigation about the project and study all aspects of the project. Since owning your dream home is your key investment of a lifetime, and you would not want to take chances. So before buying your apartment check whether the particular project has got all the bank approvals. Reputation & Recommendations Incredible builders have equally incredible reputations. Good word of mouth makes or breaks any custom home manufacturing professional, so search for custom homebuilders whose reputations precede them positively. Finding the right homebuilder will confirm that your path to that dream home is as smooth and efficient as possible. If you are looking for an excellent custom homebuilder, connect with Varma Homes, one of the top real estate builders in Kerala for a consultation. We have our ongoing residential projects in major parts of Kerala like Trivandrum, Kochi & Thrissur. You can completely trust with us, as we are following all the criteria’s that require for the construction of an apartment. After all, we know that buying a home may the biggest purchasing of your lifetime. So, without any doubt, you can trust us. Be ready to invest your interest with us and get a lifelong investment!Read More
With 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 More