Property Price is a bit subjective in nature. In the saturated markets, the property price band is very narrow for a particular area. On the other hand, in the upcoming areas the property price band is as wide as 25%. In most of the cases, a buyer is not able to judge correctly thus end up taking the wrong decision. In my opinion, it is more to do with perceived value. In Mumbai, the "West" side of western suburbs command a premium compared to the "East" Side. For example, The property price in Andheri (West) is high compared to Andheri (East). On the contrary, the rates in "East" side of ... Read More
Property Price Trends – Are they Reliable or Misleading
Property price trends available on property portals is one of the important indicators for potential buyers. The biggest dilemma for any buyer is whether he is paying a right price for the property or not. On the other hand, owners are concerned whether they are getting the right price for their property or not. In my post, Fair Value of Property i shared how to find the right price of the property. It basically considered the rental value of the property to arrive at Property price trends. In highly skewed markets like Mumbai and Delhi, it might not be the right way to find out the Property ... Read More
Property Portal – Beware of Online Advertisement
A Property Portal is an open market place i.e. free for all. Though a property portal selectively verifies the listed properties. Practically, it is impossible to verify or certify each and every property listing. Similar to the matrimonial portal, it provides an opportunity to deceivers to trick the potential buyers. The real estate agents and builders misuse this fact and are using a property portal only for a lead generation. Here by lead generation, the objective is to bring a potential buyer to the property site. This type of marketing is FREE of cost and some of the real estate agents ... Read More
Life Insurance or Compromise in Life – Choice is Yours
The topic of Life Insurance is very close to my heart. Recently, I was watching a new campaign of Birla Sun Life Insurance. The theme of the campaign is #KhudKoKarBuland. I was able to co-relate the campaign with the experiences of the readers of this blog. I will share some of the real-life cases later in the post. Normally, I observed that life insurance campaigns are closer to reality than any other campaign. Over a period of time, there is a sea change in the theme of the life insurance campaigns. In past, I remember the campaigns were themed around fear factor. Now the brands are trying ... Read More
Financial Misjudgement – Top 5 that can Cost you Heavily
Financial Misjudgement is very common during the lifetime of an individual. It may be due to ignorance or lack of awareness. The minor financial misjudgement can be corrected easily and does not have a too much financial impact. On the other hand, financial misjudgement in some of the major financial decisions can push you couple of years back financially. Financial awareness is one of the weak areas in India. In some of my posts, i even suggested to include the basics of personal finance in school or college curriculum. As an individual, we have very limited resources to invest. India's ... Read More
CIBIL Masking – All you want to know to avoid being cheated
CIBIL Masking is nothing but an offer to defaulter to clear all the past dues along with penalties and interests. The past dues or outstanding loans are either written off or settled in the CIBIL report of a defaulter. If borrower accepts CIBIL Masking offer then the bank promises to remove Written-off or Settled Status from the CIBIL Database. To know more about these 2 terms, please check my post, CIBIL Score - 7 Jargon you should know to read CIBIL report. Before we proceed, i would like to request the readers to understand your CIBIL report before taking any decision or action. The ... Read More
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