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Investing in Mutual Funds /Shares /Real Estate, Which is better?
Mutual Funds/ Shares /Real Estate
Confused between mutual funds v/s shares v/s real estate? Get to know how financing in real estate is more constructive than shares or mutual funds. At present time of rising inflation and cumulative costs, it has become very tough to preserve a good régime with a poor source of revenue. It has made persons keen to search for other alternative sources of revenues. While investment looks like a money-spinning choice for extra earnings but again searching too many available alternatives on the niche market is genuinely a hard-hitting job to pick the best among them. Mutual funds, real estate, gold, shares, etc. are some of the key investment choices that one looks into, but each has its own pros and cons.
Pros & Cons of Real Estate
Real estate can give you benefits like rental income, security against inflation and capital appreciation. If you have a plan to take a home loan, you will get full tax benefits against the interest as well as the instalments. When you invest in the realty market, it is time-saving and money generating which will give you various profits.
Pros:
- Real estate increases in value over time.
- Convenient and more comfortable to invest and develop with other supplementary securities
- Concrete and substantial investment
- Offer remarkable inflation conditions
- Leverages in real-estate are harmless
Cons:
• Before finalizing the deal, requires a lot of homework about mortgages, insurance, negotiation, titles, finding the right investment property, etc.
• Time-consuming if you plan to rent or sell properties
• Capital intensive in nature
• Real estate has low liquidity
• It requires maintenance
Pros & Cons of Other Assets over the Real Estate
A share market, equity market, mutual funds are the gathering of buyers and sellers. It is a loose network of financial transactions and not a distinct entity of stocks or shares. Mutual funds are the best way for the average investor to purchase investments which would be too difficult to manage on their own. But the truth is that the stock markets/mutual funds are highly volatile and risky to invest. Let’s have a look at the pros and con of other assets:
Pros:
- When needed, it can be easily transformable into liquid cash
- Gives investors broad diversification.
- Less capital intensive in nature
- The assets are controlled by qualified fund managers
Cons:
- Investments made in these kinds of assets involves a higher amount of risk over real estate
- Management Abuses
- Needs in-depth knowledge and understanding while selecting good equity stocks
If you wish to begin your investment with a very smaller sum and have high liquidity requirements, with steady investment, then mutual funds would be an excellent choice for you. If you have a significant amount in hand for the down-payment and have very long-term investment goals, then the real estate can give you good returns along with a steady rental income. On the whole, financing in real-estate is less risky than equity shares or mutual funds. To invest in real estate is always an excellent choice, a solid and physical asset will always give immense satisfaction and big mental comfort over other financial assets like a mutual fund or stock. Obviously, mutual funds and stocks are also lucrative, but the risk factor is bigger. On the other hand, real estate is safer and the price of property always goes up after a few years. So returns are almost guaranteed.
If you are looking for a property in the prime cities of Kerala with future returns around 60 lakh to 1 crore in five years, then you can come to the Varma Homes. We have ready to move, ongoing and new launch projects in Kochi, Trivandrum and Thrissur. By investing at our projects, you will definitely get a guaranteed return. Our homes are designed for a lifestyle of comfort and convenience and also you can find a range of thoughtfully handpicked amenities to enjoy commutable city living. So get in touch with us to know more about our projects and avail the early bird surprises that await you!
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10 smart tips to buy your dream home at a young age
Start saving earlyYou may save a sizable down payment over time if you start saving early. This can help you get a better mortgage interest rate and minimize the amount of money you need to borrow, saving you thousands of dollars in interest payments over the life of your loan. Saving early might assist you to avoid incurring excessive debt while purchasing your dream house. You can save financial burden and make it simpler to pay off your mortgage over time if you make a sizable down payment.Determine your budgetMake a list of all the expenditures you will have to pay when you buy a house, such as mortgage payments, property taxes, homeowner's insurance, utilities, upkeep, and repairs. Calculate how much cash you can put down as a down payment. A higher down payment will lower your monthly mortgage payments and interest rate. You may set a budget and make a realistic plan for purchasing your dream home when you are young. Remember to be honest with yourself about how much you can afford to spend and to avoid overpaying, which can lead to financial problems in the future.Check your credit scoreWhile purchasing your ideal home, it is critical to verify your credit score. Your credit score is an important aspect in determining whether you qualify for a mortgage and what interest rate you will be offered. A higher credit score may enable you to obtain a lower interest rate, saving you money throughout the life of your loan. Monitoring your credit score before beginning the home-buying process can give you a sense of where you are and whether you need to make efforts to improve it. It will also enable you to detect and remedy any problems or inconsistencies in your credit report.Research the real estate marketReal estate is a broad sector, and you must decide which area of the market you want to investigate. For example, you could wish to concentrate on residential or commercial properties, a certain geographical location, or market trends. After you've decided on a study topic, you'll need to collect and evaluate pertinent data. Data on property prices, rental rates, vacancy rates, property inventories, and demographic trends may be included. Studying the data will assist you in identifying market patterns and trends, such as changes in property prices or variations in demand for specific types of properties. You can utilise statistical tools and techniques to successfully examine the dataWork with a reputable real estate agentReliable agents are well-versed in the local real estate market, including the elements that influence property values and trends. This knowledge may be quite useful when buying or selling a home. Skilled agents frequently have a large network of real estate industry contacts, such as mortgage brokers, house inspectors, and contractors. This network can be useful in locating the correct persons to assist with the transaction. Real estate brokers are well-versed in the legal elements of purchasing and selling homes, such as contracts and disclosure obligations. They may assist in ensuring that all legal criteria are completed and the transaction runs smoothly. Varma Homes has the negotiating abilities to assist you receive the best bargain possible whether buying or selling a home. They may assist you in navigating the transaction's intricacies, such as the bidding procedure, counter-offers, and other discussions.Factor in additional expensesHome maintenance and repair can be a big recurring expenditure. When purchasing your dream home, it is critical to factor in these expenditures, which include normal upkeep such as lawn care, HVAC tune-ups, and repairs for unanticipated situations. Homeowners pay HOA fees in many communities to cover the expense of common area upkeep and amenities such as pools, clubhouses, and landscaping. These costs may differ based on the neighborhood and the facilities available. Moving costs vary based on location, number of items, and other considerations. Hiring a moving company, renting a vehicle, or purchasing packing goods are examples of these costs. If your ideal house requires modifications or improvements to fit your demands, these expenditures must be considered.Don't rush into a decisionPurchasing a home is a substantial financial investment. If you make a hasty decision, you risk overextending yourself financially, which may lead to stress, financial issues, and even foreclosure. Jumping into a house purchase may indicate that you have not fully prepared for the process. This can result in errors, oversights, and missed opportunities. Purchasing a home is a complicated process that necessitates an understanding of the real estate market, lending sector, and legal requirements. If you make a hasty decision, it is possible that you haven't taken the time to educate yourself on these aspects.Get everything in writingA written contract clarifies the agreement's conditions, such as the price, payment terms, closing date, and any contingencies. It protects both the buyer and seller by clarifying each party's responsibilities and obligations. This can assist to avoid future arguments and legal concerns. Both parties are held accountable for their promises and obligations under a documented contract. This guarantees that everyone engaged fulfills their responsibilities. It is legally binding and can be used as evidence in court if there is a disagreement. Both the buyer and seller benefit from this degree of safety and security.Hire a real estate attorneyA real estate attorney may analyze the purchase agreement and other legal paperwork to ensure that your interests are safeguarded and that no legal concerns occur later. Throughout the home-buying process, a real estate attorney may give legal assistance, including clarifying legal jargon and addressing any concerns you may have regarding the transaction. He can perform a title search to confirm that the property's title is free of any liens or other legal difficulties that could jeopardize your ownership. represents you throughout the closing process, ensuring that all legal requirements are completed.Be patientIt takes time to find the ideal home. It is critical to be patient and wait until you locate a property that fulfils your wants while remaining within your budget. If you rush into a purchase, you may end up with a home that is not a suitable fit for you. Prior to closing on a property, it is critical to conduct due diligence, which includes a home inspection, title search, and study of legal papers. Being patient and doing all necessary diligence might assist to avoid costly shocks later on.
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Top Factors That Drive the Real Estate Price Growth
Now we can see a trend that a person’s most wealth portion is usually invested in the real estate market. This is because of its size and scale in the niche market, which gives more lucrative and attractive offers to investors. Hence, the real estate market is up surging day by day. Various factors affect to decide property costs. Read this article to get a fair idea about the factors that affect the real estate price. Demand and Supply As we know that demand and supply are the two economic forces that determine prices. That is, high demand with low supplies denotes high prices and the low demand with high supply denotes low prices. This means when the availability of properties decreases the costing of the current properties increases. Alongside a growth in the number of occupants possessing a specific area, the popularity of an area regarding individuals longing for living there, likewise drives its cost. Fiscal Growth A purchase is reliant upon the income of an Individual. When one has higher fiscal growth, rising salary, he has the choice to spend his income more on his houses; this will build demand and drive rates. The demand for a property buyer is reliant on flexible salary & hike in wages whereas the downturn denotes the falling livelihoods of a person who can’t able to buy and who loses their job may fall behind on their home loan instalments and end up with their home reclaimed. Customer Trust When it comes to making real estate investment, confidence in the real estate laws of the land is a significant factor. After the RERA implementation, the real estate laws supported the advantages of purchasers and made firm provisions against developers & agencies attempting to mislead the client in any manner. This improved the real estate properties sales across India. Infrastructural Development While searching for purchasing an apartment in Kochi, Trivandrum, Thrissur or anywhere else, a homebuyer must pay key attention to the infrastructure of that specific area. A region that has a rationally great infrastructure has seemingly greater chances of being picked by a buyer and the property price additionally shoots up. Accessibilities like accessible roads, proximity to hospitals, shopping complexes, schools, workplaces, metro rail underway, etc. all these factors considerably tend to help raise property prices. Customization The real estate worth gets higher in the case of builders undertaking customization of residential apartments based on the client’s prerequisites. For example, a few buyers may desire to have big the balcony attached to their bedrooms, or other distinct alterations. Home Loan Charges Present Home loan rates can likewise remarkably affect property costs. At the point when the interest rate for housing loans are high, it lessens the demands for a property since it makes borrowers hesitant to go through additional cash over the high-interest charge. Also, when there are lower interest rates for loans, then the demand of real estate increases. So, before finalising on the property purchase choices, every single buyer should examine these drivers to get a sensible evaluation of the apartment that interests them. As various factors influence the real estate price rise and all these must be paid attention to while setting funds in purchasing an apartment. Careful examination and research are essential for better returns, profitable investment and painless liquidity. You can also contact us; Varma Homes, one of the best builders in Kerala to know about our upcoming residential project prices. Being the most reliable builders in Kerala, we have various ongoing residential projects in the prime regions of Kochi, Thrissur and Trivandrum. We always focus on all our clients’ desires, needs and safety while investing in their dream home with Varma Homes. So, don’t mess with the rest, trust Varma Homes- Simply Unique, Simply Better & Living to Design Safer Homes!
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ESSENTIAL FEATURES THAT DEFINE A LUXURY HOME
Everyone dreams of owning a beautifully designed luxury home. What makes a dream home luxurious are its features like amenities and interiors. If these features remain the same, then what makes a luxury mansion stand out? Now, we can see that many luxury apartments in Kerala are made with exclusive features that make your dream home lavish and elegant. When it comes to luxury living, the choices to customize your living space are infinite. Moreover, you do not have to be rich to have some of that luxury. Here are some most common features that define a luxury home. Technologically Competent: Most of the real estate builders and homebuyers believes that a luxury home should be exemplary in the kind of technology it uses. Hence, automation is the keyword. Based on the price of the property, the range of technological advancement would differ. Smart home technologies are very much in demand these days and these technologies monitor systems inside and outside the home. Whether it is controlling the smart lighting and sound homes, thermostat, smart toilets or locking the door, you can easily look after your home from anywhere in the world using a smartphone. Such kind of features separates a luxury home from a normal one. Open Floor Plans: Today we can see that the homes do not have separate areas like kitchen and dining. All these areas come together in one big living space for a comfortable and flexible living experience. Many luxury homebuyers are demanding the open floor plan for their homes. High-End Kitchen: If the heart of the home is the kitchen, then luxury homes have a very strong pattern. Kitchens are now coming as a spacious kitchen with top-class appliances and high-end equipment like chimneys, fridge microwave, dishwashers etc. from high-end international brands. Security: Many luxury apartments in Kerala have in-built security features that are necessary. These security features are what separates luxury homes from standard ones. To secure your home from burglary actions and unwanted attention, the homes come with smart locks, safety alarms for fire or break-ins, CCTV cameras etc. Apart from home security systems, these luxury apartments also have strong security at the entering of the property. Breath-taking View from Apartment: A home may have all the specifications and amenities, which makes it world-class, but if it lacks a breath-taking window view, then it is not qualifying as a luxurious apartment. That is nothing feels better than coming home from work to a serene and a peaceful environment. Luxury apartments designed with open areas and huge balconies provide a fantastic view of the surroundings. You can enjoy staring at the skyline or breathe in some fresh air while you calm your mind as you watch the sea. Entertainment at Home: A home with a home theatre and a personal gaming zone is the new trendsetter for defining a luxury home. The latest updates in the niche market gadgets are must-have things for both the old and young alike. The objective of this feature is to create a space where the homebuyer never feels the need to leave the luxuries of the home. Spa Quality Bathrooms: This is yet another feature that sets luxury homes apart. The bathroom serves a utilitarian purpose, but many people consider it as a perfect place to relax after a long day. The luxury homes bathrooms are right on par with professional spas. They not only have a separate shower and tub but also saunas, steam rooms, touch screen mirrors that double as a TV. In a nutshell, Luxury homes are all about lifestyle and have stepped up to offer more comfort living to homebuyers than ever before. Amenities that were once considered an extravagance have become standard and have forced homebuilders and homeowners to take luxury amenities to the next level. If you are a luxury buyer looking for that unique feature and special touch that sets a home apart from all the rest. Then you can get in touch with Varma Homes, the most promising builder in Kerala offering superior quality and affordable luxury apartments in Kochi, Trivandrum and Thrissur. We design all our residential projects with care to make the life of the residents easy and lavish.
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Why Do People Look Forward To Shifting Into Larger Homes?
Owning a dream home or apartment is everyone’s wish list. The size of the home is one of the crucial factors for your home-buying decisions. In early times people first purchase a small flat and then move into a bigger home once they have a bigger family. Buying a spacious house isn’t going to get any inexpensive in the next 10 to 15 years, needless to say, the inflated interest rates when it comes to taking a loan. Therefore, now purchasing a larger apartment such as a 2 or 3BHK is a sensible choice as compared to waiting to buy it later. Before buying, you need to consider the future appreciation of property rates, amenity factors and other lifestyle. So let’s have a look at the benefits of shifting into a larger apartment. Various generations under one roof By living in a bigger apartment, all generations can easily thrive under one roof. They can perfectly fit in your apartment, even when you have kids. And, surely, your kids will love the idea of spending more time with their grandparents which will help them to know the value of the relationship. On the other hand, if you have nuclear families, most of the home builders know the value of privacy. So they design separate rooms for parents and children. Also, with the increasing income of professionals, most of the people like to have a full-time maid or home nurse to give care for their kids and grandparents. Hence separate rooms for each one is essential. So by living in a bigger apartment, you can easily solve this room scarcity problem that you faced in your smaller flats. Make comfortable office space When you had a great business plan and dream to start with it, you can keep a specific space for your dreams in your bigger apartment. Or if you have to benefit the modern working choices like work-from-home, the extra room in your bigger apartment can be converted into the comfortable office space, letting you the choice to keep your work and home life separate though being in the same space. Beautiful Interiors The careful designs and architecture of the 2BHK or 3BHK flats are beautiful, ground-breaking and contemporary, offering a modern family the best in terms of a posh and luxurious lifestyle. By owning luxury spaces, you can have spacious floor plans, wood floors, granite countertops and many more which is not possible in a smaller flat. A 2BHK or 3 BHK apartment goes a step beyond and promises a classy and chic living experience. Avail hangout rooms for all age group When you decide to shift from compact to luxurious living, there you have another advantage that availability of enough rooms for everyone. Because everyone needs a place to be comfortable and relax. Especially if there are any older people, there is a room that they can relax and indulge in their own favourite activities with full privacy. In the same manner, the younger and the middle generation get their own spaces to chill with their friends or to boost up their own inner self. So when you have bigger apartments you don’t need to worry about the hangout rooms for you & your family members, as there are rooms for every kind of age group. Better security systems Living in a luxurious 2BHK or 3BHK apartment promises you increased safety and also prevents intruders from entering your home. You can just relax without any safety fears for a good night’s sleep. This is more useful and vital when there are kids and elders at home. So in this era of frequent robberies, with better security systems you can be sure that you are safe at your home. Good investment with less money To invest for a longer run, undoubtedly investing in 2 or 3BHK apartments is beneficial. You can buy luxurious housing spaces at a price comparatively much lower plus more benefits instead of buying compact apartments. As the demands are quite high, the resale value of apartments is always greater than invested. The percentage of profit depends upon the location and demand of the region, but getting a profit is for sure. Be it for end-user or rental, investing in a property in metropolitan cities at present proves to be a smart decision. So the final concluding part would be that why not opt for bigger apartments which are armed with all modern amenities and facilities creating life a smart and finest experience for you and your family and bringing together the exact mix of comforts and convenience of the city. Looking to buy apartments in Kochi? It is about time that you check out the residential apartments at Varma Homes as we are the top builders in Kerala. Each of our residential projects in Kochi come with an extensive series of high-end apartments. Take a look into our most prestigious projects like Varma Maalika I, Maalika II, Padipura, Kottara and Bougain Heights Purple at Tripunithura. A combination of the high-end amenities, backed up by great connectivity and an efficient transport system including the advantage of metro services, is what attracts a person to invest in property at Tripunithura. From the numerous choices, you can choose your perfect one that focuses on your housing needs and demands.
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Benefits of Real Estate Investment in Thrissur
Every year, thousands of people visit Kerala because of the sheer natural beauty, natural resources and the cultural richness that this state offers. However, it is not just the natural beauty of Kerala that draws so many visitors, but also the flourishing IT sector that has drawn attention of youngsters from across the country. Many people, who have already retired as well as those, who are working in Kerala, want to settle down in this state in the latter years of their life. That is why they choose to invest on the real estate sector of Kerala. In that case, one district that has gained much popularity in the real estate industry is Thrissur – the Cultural Capital of Kerala. If you are planning to invest in the real estate market in Kerala 2017, Thrissur could be your first choice. Here are the top reasons to invest in Thrissur Real Estate. 1. Positive cash flow Every investor wants to invest on something to make sure that they get a steady income from that. However, for a positive cash flow, it is a must that you choose a district suitable for real estate investment. Thrissur is a flourishing commercial hub, where thousands of people come in search of a job. Therefore, there is always a demand for real estate properties that people would rent or take a lease of. If you invest in the real estate in Thrissur, you will certainly get continuous cash flow. 2. Return on Investment The very first thing that comes to mind while you think of investing in the real estate industry is the return on investment or ROI. If the investment doesn’t fetch great returns, it will be of no use. With a steadily growing district such as Thrissur, it will be absolutely assured that the growing economy of the district will only contribute into the ROI of your property. When you think of selling the property in the years to come, the price of the property will only increase. In that case, it must be mentioned that the longer you hold on to your invested property, the higher returns you will get. 3. Better profits This is a factor that not too many people realize or understand. However, the fact is that, when you fix deposit a lump sum amount in your savings bank account, it will not fetch you as much of profits as the Thrissur real estate properties would. If there is inflation in the economy, the rates of profit for your fixed deposits will only decrease. Hence, you will get low profits from your long term investments. On the other hand, the price of the real estate properties will only increase with time, making it an assured profit. 4. Long term wealth and peace of mind One of the biggest reasons, why you should invest in a real estate property in Thrissur district is the long term wealth that you will have. It is a great peace of mind that you will have, if you have a property as your asset. In difficult times, you will be able to sell the property and ensure that you do not have to run out of money, when you or your offspring are in need of it. 5. Place of your own If you have been living in a rented house, it is the first priority for you that you buy a place of your own, where you can live without having to spend huge amounts of money as rent for your entire life. Having your own house and that too in a popular district of Kerala, where you will get all the amenities and facilities of a well-developed place, is a great peace of mind. You will not have to worry about where you or your children will have to live. When it is Thrissur, you will get the additional benefit of enjoying the rich cultural environment. From temples, places to practice culture and even institutes for science and technology etc. make Thrissur one of the best investment options in the state of Kerala. 6. Easy to buy and easy to sell Real estate is an easy option to invest on. You will get a number of options to buy one for you and you will also get the convenience of selling it, whenever you are in need of money. Buyers and sellers of real estate properties, especially the ones in a popular place like Thrissur, where there is a constantly growing demand of properties for real estate investors, are available in abundance. Hence, there will be no trouble on your part to sell the property, whenever you need to. 7. Pride of ownership This is something that cannot be explained in words. The pride of ownership is something that only the owner will realize. If you purchase a property in Thrissur district, you will be able to enjoy the beauty of this place from a close proximity. With so many reasons as well as benefits of investing in Thrissur Real Estate Properties, you will be able to make sure that you never have to worry about your financial security in the years to come. ABOUT VARMA HOMES Varma Homes, the best builders in Kochi are good at what we do, building living spaces. The art of design is a craft only a few are blessed with. It takes passion, drive, and immense courage. On a mission to Construct Happiness, Varma Homes, the best home builders in Kerala is on the path towards pioneering exquisite lifestyle. Taking into consideration the uniqueness and the sophistication of affordable luxury homes in the finest of the locations, Varma Homes have gone all out to constructing happiness. Varma Homes takes the deepest plunge to make happiness possible. Buying a house, be it for living or as an investment, it is one of the life’s biggest decisions, which is why it is very much important that you choose the right property with care. Varma Homes, we are the best home builders and property builders in Cochin offering new luxury flats, apartments, and residential projects in Kochi, Thrissur, and Trivandrum. Varma Homes are the top builders in Kochi, Kerala for flats & apartments, and we assure you the best end results possible. Everybody is good at something. For Varma Homes, it's building living spaces. To build a place where one can find all the comforts and finally call it home is what they do best at its best. And we are good at building workspaces too. To build an ambiance fit for work is quite a task, which is why one should let the experts do it. Varma Homes is one among the top builders in Kerala offering high quality and luxury apartments in Thrissur. We always create the best living spaces meeting the requirements of clients. If you are looking forward to buy apartments and 2bhk flats in Thrissur, then contact us today. Call +91 9539 29 33 33 for more details.
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