Amit Sethi

Property sellers often try to create the perception that: - Now price of property in this project would be not less than their declared benchmark (Rs 6.5 Cr ++ ) - Properties in their projects are on high demand - When they come up with their next project, buyers have to grab it or else they will miss out - Properties are sold like IPhones are sold on launch day - There is enough money in market or there are enough demand in the market for their properties The question that should come to buyer’s mind: - What’s my budget? - Do I need a property for Investment or as an end user? - What’s the property rate in other location around it? - Is property price justified or is it a better option to live in a rented apartment? Buyers must avoid artificial FOMO!! #home #dlf #property #Alert #FOMO

45k x12 =5.4 Lac/ annum rent I.e 6.75 percent rental yield on Rs 80 lac home price… Is that possible anywhere in India??? Really!! And what about taxes?? And what about cost of repairs and maintenance?? Do you know, even the commercial property can’t get you a rental yield on 6.75 percent!! Rental yield of Residential properties at most places in India is around 2-4 percent..…

My friend’s family bought a ₹80 Lakh Apartment. 
₹20L down payment.
₹60L loan
EMI: ₹55K/month But they Didn’t move in & Rented it for ₹45,000. Interesting they Lived in a ₹12,000 Rented PG People laughed:
“EMI deke PG mein reh rhe hai?” 4 years later… Show more

you like real estate vs equity because you are comparing it in the current market.. but situation may change anytime, and you may start feeling left behind.. ..real estate sector has already started feeling the downturn heat, better to duck and stay safe than to blabber and get a shot on the head 🫩🫩

One of the best financial decisions I made with my portfolio gains over the last few years was buying a flat which gives me dividend every month in the form of rent. Hope the ones who vouched for living on rent while putting their everything in equity could feel the same.

Nooo… The calculation is not that simple.. @ 75 lac you can’t get a land closer to even Tier-II cities in India for 3+4 bhk setup with 5 floor units.. so, if the project is located at a distant place in a non-metropolitan city.. there’s no demand for such property.. there’s a cost of fund whether it’s related to their land bank, construction time, inventory hangover and many such elements.. builders are highly susceptible to risks related to interest rate fluctuations, legal issues and financial problems…

How a Small Builder Makes Money!! Let's consider and do it with one real time example: A builder finds a residential plot and buys it for 75 lakh. He plans a small apartment project: Stilt parking + 5 floors. On each floor he builds: 1 × 2BHK 1 × 3BHK So the building has 10 flats in total. He sells the flats for: 2BHK → 62 lakh 3BHK → 75 lakh Total sales from the project: 5 × 2BHK = 3.10 crore 5 × 3BHK = 3.75 crore So the total revenue becomes 6.85 crore (GST and registration are paid separately by buyers). Now the builder pays for: Land cost: 75 lakh Construction cost: ~2–2.5 crore Approvals, architect, marketing, other expenses: ~30–50 lakh So the total project cost is roughly 3.3–3.5 crore. After selling all flats, the builder may earn around 3–3.5 crore profit from this single project which is done in 12/14 months. That’s how many developers turn one plot of land into a multi-crore real estate business.

Yes.. crash seems to be a harsh statement.. “correction” would be much better term to define the exact situation because Indian real estate market is constituted by collection of several micro markets and each has different demand-supply economics…. Here’s one of my older posts in which I had discussed out upcoming correction in the realty market… check this out

🚨 REAL ESTATE CRASH IS COMING 1️⃣ War risk in Middle East US–Iran tensions rise. Strait of Hormuz risk. 2️⃣ Oil reacts immediately ~20% global oil passes Hormuz. Supply risk → oil prices surge. 3️⃣ Oil drives inflation Fuel ↑ Shipping ↑ Food ↑ Construction cost ↑ 4️⃣ Central banks stuck Inflation returns → rate cuts delayed. Rates stay higher for longer. 5️⃣ Housing pressure builds Mortgage rates ↑ → affordability ↓ Job losses risk → forced selling. 6️⃣ Property prices correct Inventory rises. Buyers disappear → prices fall. ✅ Simple market sequence: War risk → Oil spike → Inflation ↑ → High rates → Housing stress → Price correction. So if this war escalates for longer it could potentially lead to big real estate crash

It’s important to not hide material facts while buying a health policy or else claim may get rejected.. It’s important to know the policy conditions properly or you may not get the claim when needed.. Health Insurance is a need and mustn’t be ignored… proper documentation and timely reporting can help you get the claim in time… if claim is rejected, you may escalate the case through grievance measures..

Buy Health insurance✅ Then suffer day and night with sleepless nights to claim it.

Amit ji, 24 y male with no medical history and chances of hereditary medical conditions may start with at least 10 Lac cover. Health policy with no room capping, wide network hospitals and extensive ailment cover may be preferred.. reload and restoration benefit should be flexible.. check premium escalation for different age brackets.. get a 1cr super-top-up policy with Rs 10 lac deductible ...later at higher age...base policy size can be increased and deductible in super top can be increased as well.., There are a few companies with good products and consistent t&c.. max, hdfc,.... (Not an advice, shared for educational purpose)

@MyWealthGuide @PawanDurani @ProsaicView @FinMinIndia @MoHFW_INDIA What’s the recommendation for a 24 YO just joined the workforce GC Male Mr Sethi ? Kindly advise !

Last year I paid a premium of Rs 66,000 for my health insurance policy , a family floater. Since then GST was removed. This year my premium is Rs 92,000 . I haven't claimed insurance ever. This is a loot done brazenly , and our @FinMinIndia & @MoHFW_INDIA has shut it's eyes

@nitinchouksey @PawanDurani @ProsaicView @FinMinIndia @MoHFW_INDIA Don’t give up your insurance cover, you’ll lose the crucial continuity benefits.. you may port the policy or choose fixed deductible or reduce the coverage… don’t stop your insurance policy

@MyWealthGuide @PawanDurani @ProsaicView @FinMinIndia @MoHFW_INDIA Dear @MyWealthGuide my premium was 29000 last year not it is 38000 I have asked the reason they have told me it is due to increase in medical cost..no age bracket changed.so I have not renewed the policy

@PawanDurani @ProsaicView @FinMinIndia @MoHFW_INDIA Hmm.. this is a serious issue because migration in same company can be done only at the time of renewal.. depending on other variables, you had the option to porting plus migration to other company.. anyways, now you have to wait for next renewal if you plan to port your policy

@MyWealthGuide @ProsaicView @FinMinIndia @MoHFW_INDIA Yes , 19k approx for a 25 lakh policy for a 22 year old. I did it just because of continuity sake. There is nobody , no institution , no authority to control this brazen loot happening

@BasantBaheti3 you will get adequately rewarded if your conviction in your selected stocks is backed by reasonable research, and assuming you have enough risk management in place… all the best 👍

मैंने 2 साल पहले अपने घर के लिए लोन लिया , मैं चाहता तो पूरे रुपये देकर भी घर ख़रीद सकता था पर मैंने 20 साल के लिए लोन लिया और जो मेरे पास रुपये थे उसे 26 वीक की एसआईपी करके पूरे रुपये से 5 स्मॉल कैप शेयर लिए , (लोन की किश्तें मैं अपनी रेगुलर इनकम से तब रक चुकाता रहूँगा जब तक की पूरा लोन एक दिन में ना चुका दूँ ) पिछले साल उन शेयरों की वैल्यू में 20% का इजाफ़ा हुआ , पर मुझे तो 100% बढ़ने पर ही आधे बेचकर आधे फ्री करने थे, अभी वो शेयर 30% गिर चुके है मेरी ख़रीद भाव से , पर मुझे तो अभी भी उन्हें नहीं बेचना ! मैं उन शेयरों को जब भी १००% बढ़ेंगे तो 50% बेचकर अपना पूरा हाउसिंग लोन चुका दूँगा, जो 50% FREE OF COST वाले बचेंगे उन्हें कम से कम 10 साल होल्ड करूँगा , यानि की अगले 3-4 साल में मेरा घर लोन फ्री ( क्यूँकि अगले ३-४ सालों में मेरे ये शेयर का प्राइस किसी भी क़ीमत पर डबल हो जाएगा ) और फ्री वाले शेयर आने वाले 25 साल तक मेरे रिटायरमेंट प्लान में सहायक रहेंगे ! क्यूँकि जो शेयर मैंने ख़रीदे हैं, ये दुनिया ख़त्म होने से ही जीरो होंगे , क्यूँकि ये सब घर -घराने वाले शेयर है और ये सेक्टर भी कभी ना ख़त्म होने वाले है ! आप लोगों को कैसी लगी ये हाउसिंग लोन लेकर उसे वापस चुकाने की प्लानिगा ?

Pawan ji, some insurance companies are notorious for exorbitant and untimely hike in premium.. do you mean 19k for 25L policy for <25 yr person? It’s high indeed.. porting to other appropriate insurance company is a good option. Choose policy based on features you need and not on what they offer you.. it can save you money and also help you get the best coverage at best rate..

@MyWealthGuide @ProsaicView @FinMinIndia @MoHFW_INDIA Amit Ji , the age bracket has surely changed , but this kind of hike is beyond reasonable. I then removed a family member from the policy , in early 20's , and they charged close to Rs 19k for a 25 lakh policy .. this was migration to independent for him .. isn't that high too?

In normal market PG can offer highly lucrative return, especially in markets like Hyd and Bengaluru. However, in current situation, occupancy rate may take a hit in many markets due to factors such as job losses, impact on industries, IT sector, and education sector may also feel the heat.. If your location choice is good, PG can still give you a good return..focus on maintaining consistent high density and above 5-10 percent vacancy rate as red flag…

@MyWealthGuide @AstroPrashanth9 @SnehaSSR Sir what about investing in PG in Bangalore?

The Real Estate recession will be triggered after April 2026... You all will witness drastic slowdown in Real Estate Sector after June 2027..... I won't say Real Estate prices will crash... But I can guarantee you whoever do investments in Real Estate Sector won't get benifits for long time to come.. Real Estate Sector is already reached saturation point... Right now people who are buying properties are paying 2035 prices.... Next 10 years Real Estate prices will be stagnant... Think twice before you buy... Once Saturn move to Aires (Mesh) sign (June 2027) Real Estate 🔻🔻

@oyyehappy @marinebharat More than Rs 2.5 Lac pa towards additional EMI obligation i.e. more than Rs 65 lac additional total payment obligation in 25 years… that’s significant, isn’t it!

@MyWealthGuide @marinebharat 1.2 aur 1.5 m kya farq h bhai? Itna to annual increments, promotion or switches mai cover ho jaega 25years m...

₹15LPA salaried investing in ₹1.5 crore home loan for 25 years is Idiotic. Remember. Banks need just 3 months of Home Loan defaults. And, it’s all theirs! ITNA RISK KYUN LENE KA?

Agree.. - surprises comes from different direction - margin of safety has to be there Planning … but, risk appetite may vary from person to person and the return prospect also changes accordingly. As every investment has some risk in it, so, one one must choose their investment wisely..

@MyWealthGuide @marinebharat No matter how much you plan n take all possible factors into consideration, the surprise comes from a different direction. Margin of safety has to be there. World doesn't move the way we think. If your speed is low, you can still manoeuvre and save yourself from else's mistake.

Gold Down ⬇️ Silver Down ⬇️ Stock Market Down ⬇️ Crypto Down ⬇️ Anything left ? ? Real Estate !!! Naaaa It’s double Down ⬇️ ⬇️ .. only thing is that you don’t know abt it… If you are planning to buy a #home.. check for big discount, buy only from reputed developer and prefer ready to move in property #gold #silver #crude #shares #stockmarket #crash #nifty #investment #Israël #iran

@DivaJain2 Their Jainatv ends the moment they give up basic principle of Jainism.. he looks like that crow’s chick whose egg accidentally fell into a swan’s nest and after hatching claiming to be a swan..

Another example of - When Jains start eating meat, their brains begin to rot.

क्या जब आपका stock portfolio high return दे रहा था तो आपने सारा माल बेच दिया था? नहीं ना ! क्यूंकि शायद आपको पैसे की जरूरत नहीं थी.. जब आज stock market में बड़ा correction है तो घबरा कर माल क्यों बेचना?? उतार चढ़ाव stock market का एक अहम हिस्सा है, इससे घबराने की नहीं बल्कि सही तरीक़े से अपने निवेश को समझने और संभालने की ज़रूरत है… #stockmarket #shares #IranWar‌ #investment #crash

IMO, weakening of currency is not always a curse esp if the economy is able to consistently grow at a higher rate than the depreciation in the value of its currency.. and at the same time real income remains positive .. this ensures that purchasing power doesn’t collapses quickly and remains within manageable range despite inflation.. it’s crucial to smartly manage the debt in such a situation…

Two years ago, an economist said Rupee will appreciate. I said in a world of great power rivalries, Rupee will depreciate. "The US will ensure this." We see what's happening now due to the US war on Iran. My post also seems to have talked about Modi 3.0, before elections :)