| Author | Message | ||
Digitalspy Junior Artist Username: Digitalspy Post Number: 673 Registered: 08-2013 Posted From: 43.241.122.146 Rating: N/A |
south indians ki gold & land ante pichi andi | ||
Digitalspy Junior Artist Username: Digitalspy Post Number: 672 Registered: 08-2013 Posted From: 43.241.122.146 Rating: N/A |
I am planning to buy a plot in hyderabad for Rs 10 - 12 lakh for investment purpose only, by taking loan from bank. which location is better? north east of Hyd lo outer ring road side inka real estate popular kaaledu anukuntaa. akkada better aa ? leka gachibowli side good gated community lo theeskunte value appreciate ayye chance undaa? | ||
Inquisitive Comedian Username: Inquisitive Post Number: 1574 Registered: 09-2014 Posted From: 72.201.13.156 Rating: N/A |
From my observation, at least among Telugus, there is very little diversification. Most wealth is concentrated in real estate. A single diversified mutual fund will spread one's investment into tens of companies across several sectors. These companies get their revenues and supplies from not just many states in India but also many countries across the globe. It is for you to decide if you want to spread your investment across, companies, sectors, states, and countries or just choose one small place in or around a city and depend completely on that. I can understand when poor people like those losing their land to the government for irrigation projects or road projects are totally dependent on that one piece of land because their land is inherited and used for agriculture. But educated income tax payers doing that is something that beats me. "Sakshi is a most balanced and independent media. This has no affiliation with any political party," Jagan had said. Link: http://www.outlookindia.com/news/article/sakshi-retelecasts- story-omits-antisonia-remarks/701963 | ||
Digitalspy Junior Artist Username: Digitalspy Post Number: 671 Registered: 08-2013 Posted From: 43.241.122.146 Rating: N/A |
we need to diversify the investments, and not put all eggs in single basket - stock market. Hence the boom for plots I am planning to buy a plot in hyderabad for Rs 10 - 12 lakh for investment purpose only, by taking loan from bank. which location is better? north east of Hyd lo outer ring road side inka real estate popular kaaledu anukuntaa. akkada better aa ? leka gachibowli side good gated community lo theeskunte value appreciate ayye chance undaa? | ||
Vja2va Side Hero Username: Vja2va Post Number: 4510 Registered: 11-2014 Posted From: 68.100.232.216 Rating: N/A |
Got it.. Thanks.. | ||
Inquisitive Comedian Username: Inquisitive Post Number: 1573 Registered: 09-2014 Posted From: 72.201.13.156 Rating: N/A |
It was not my suggestion to make the leveraged investment that I described. I would not advice a leveraged investment in buying plots or MFs. But for those who want to make a leveraged investment, I just want to make it clear that it can be done in MFs too. Clearly, some people seem to believe that one can get a loan to invest in a plot but not in an MF. This is a mistaken belief. "Sakshi is a most balanced and independent media. This has no affiliation with any political party," Jagan had said. Link: http://www.outlookindia.com/news/article/sakshi-retelecasts- story-omits-antisonia-remarks/701963 | ||
Vja2va Side Hero Username: Vja2va Post Number: 4509 Registered: 11-2014 Posted From: 68.100.232.216 Rating: N/A |
I feel stock market will give more returns than current RE market in the next 10 years.. So I please don't get me wrong.. I am scared of your idea "However, if you reinvest the loan amount of 20 lacs, you can again take a loan of 10 lacs and reinvest and then take a loan of 5 lacs and reinvest and so on...this way you can invest a total of upto 80 lacs with your 40 lacs plus loans against it.." If because of some short term major issues if the market is down, the chain reaction will start in your scheme and finally we may have to loose all including capital.. I might be wrong but in stock market you always want to invest which you may not need in the next 3-5 years.. | ||
Inquisitive Comedian Username: Inquisitive Post Number: 1572 Registered: 09-2014 Posted From: 72.201.13.156 Rating: N/A |
If a bad event that hurts all companies across all sectors occurs, then land (as an asset) won't be immune. In fact real estate draws its value from the demand created by other sectors. "Sakshi is a most balanced and independent media. This has no affiliation with any political party," Jagan had said. Link: http://www.outlookindia.com/news/article/sakshi-retelecasts- story-omits-antisonia-remarks/701963 | ||
Inquisitive Comedian Username: Inquisitive Post Number: 1571 Registered: 09-2014 Posted From: 72.201.13.156 Rating: |
Same applies to buying plots with loans too...the only difference is that even if stock market crashes for a day and recovers the next day, everybody will know about it....if the value of a plot crashes and doesn't recover for three years, many still won't know that the price crashed...they will simply ignorantly believe that there are no buyers... Real estate lo prati okkadu vadu ishtamochina price imagine chesukoni buyers leru anukune vesulubaatu undi...stocks lo transparency ekkuva... "Sakshi is a most balanced and independent media. This has no affiliation with any political party," Jagan had said. Link: http://www.outlookindia.com/news/article/sakshi-retelecasts- story-omits-antisonia-remarks/701963 | ||
Saint Legend Username: Saint Post Number: 62553 Registered: 01-2011 Posted From: 107.77.83.47 Rating: N/A |
hello rao gaaru.. How r u.. Good to know abt ur pf.. | ||
Vja2va Side Hero Username: Vja2va Post Number: 4506 Registered: 11-2014 Posted From: 68.100.232.216 Rating: N/A |
Thanks for the info Rao garu.. Veelithe whatsapp group ki randi.. Time unnappudu mee knowledge andariki emina help avvochhu.. | ||
Mahesh_fan Megastar Username: Mahesh_fan Post Number: 21883 Registered: 09-2010 Posted From: 96.58.191.116 Rating: N/A |
mastaru please join whatsapp group ur inputs are important to us | ||
Rao Junior Artist Username: Rao Post Number: 597 Registered: 11-2011 Posted From: 110.224.238.180 Rating: N/A |
see I have pledged 45 lks each into 5 accounts..still there is 50 lks is there which is not pledged.. in recent mayham..all LAS accounts went below 40 lks...then I have pledged more inorder to maintain 40 lks worth..in each account... now each account is appreciated to 50 to 55 lks in each account. so when u u r planing to take LAS...keep buffer of 20% worth of shares which are not pledged...these can be pledged when any matham happens... if suppose any mayham not happened for 6 to 10 months..then obviously each account PF will be appreciaited to 15 to 20%..this will act as buuffer for any mayham later... but u r right...LASS IS NOT FOR EVERY ONE...THIS IS ONLY FOR FULL LENGTH EQUITY INVESTERS.. | ||
Rao Junior Artist Username: Rao Post Number: 596 Registered: 11-2011 Posted From: 110.224.238.180 Rating: N/A |
Bro.. lot of pharma stocks having good earnings potential for next 3-5 years.. and also recently lot of pharma stocks has given good opportunity to enter..as those valuations has come down drastically...so by considering those future earnings and its current valuations..I rebalanced my PF more towards to Pharma.. and also I am not able to get future earnings of Housing finance comapanies.. and also I do not want to go beyond gruh and repco.. Earlier i used to hold both of them...but in recent (jan/feb) mayham I have shifted to pharma due to cheap valuations... So I believe in earnings rather than particular sector...i DO NOT MINd TO PUT 100% in pharma if they provide opportunity... | ||
Vja2va Side Hero Username: Vja2va Post Number: 4505 Registered: 11-2014 Posted From: 68.100.232.216 Rating: N/A |
Rao ji.. LAS account may not be suitable to all ani naa idi naa adi.. If we buy with our money we can wait.. LAS account lo if the account value becomes close to amount taken they will sell that kada ani.. | ||
Mahesh_fan Megastar Username: Mahesh_fan Post Number: 21882 Registered: 09-2010 Posted From: 107.170.132.238 Rating: N/A |
u are having almost 70% in pharma? why no housing finance and micro finance.. | ||
Mahesh_fan Megastar Username: Mahesh_fan Post Number: 21881 Registered: 09-2010 Posted From: 107.170.132.238 Rating: N/A |
mastaru we have created whats app group. please join the group... | ||
Rao Junior Artist Username: Rao Post Number: 595 Registered: 11-2011 Posted From: 110.224.238.180 Rating: N/A |
i AM fine bro... PF is doing fine. alembic pharma cupid force motor Unichem lab Torrent pharma welspun india cera sanitery somany ceramics Neuland labs marksan pharma strides shasun Granules india Shilpamedicare Natco pharma.. PF is more towards pharma.. | ||
Rao Junior Artist Username: Rao Post Number: 594 Registered: 11-2011 Posted From: 110.224.238.180 Rating: N/A |
brother look equity as longterm investment...short term hicups are common.. I am having 5 LAS accounts..I have handled very well in feb/march mayham.. in 10 years time frame..we can easily multiply 10 times our investment (if u stick to quality business)...that means 26% CAGR... for LAS account e have to pay 11-12% interest every month.so remaining 15% is in your pocket... one should have conviction in equity..otherwise you can not digest volatility. | ||
Rao Junior Artist Username: Rao Post Number: 593 Registered: 11-2011 Posted From: 110.224.238.180 Rating: N/A |
brother, you are allowed to take only 20 lks per applicant from any bank... if u take 20lks from one bank then u are not allowed take from another bank..because it will reflect in CIBIL...so that bank will not give loan unlesss if u close the loan of other bank. how ever u can pledge to other applicant (should be blood relation)..means u r wife/father/mother/brother can take loan of 20 lks...for then u can pledge 40 lks worth of shares...then u can use that 20 lks amount for your needs. | ||
Vja2va Side Hero Username: Vja2va Post Number: 4504 Registered: 11-2014 Posted From: 68.100.232.216 Rating: N/A |
Over night edina market lo big issue vaste gochi ee migultundi.. | ||
Inquisitive Comedian Username: Inquisitive Post Number: 1570 Registered: 09-2014 Posted From: 72.201.13.156 Rating: N/A |
However, if you reinvest the loan amount of 20 lacs, you can again take a loan of 10 lacs and reinvest and then take a loan of 5 lacs and reinvest and so on...this way you can invest a total of upto 80 lacs with your 40 lacs plus loans against it. "Sakshi is a most balanced and independent media. This has no affiliation with any political party," Jagan had said. Link: http://www.outlookindia.com/news/article/sakshi-retelecasts- story-omits-antisonia-remarks/701963 | ||
Thikka_sankara Megastar Username: Thikka_sankara Post Number: 28666 Registered: 02-2012 Posted From: 106.208.72.181 Rating: N/A |
child marriage kinda bokkalo tostaremo  We may have been born too late to explore the world, and born too early to explore space, but we can destroy the work of the former and prevent the dreams of the latter. ~~ SOMEBODY ON INTERNET | ||
Gotcha Megastar Username: Gotcha Post Number: 24952 Registered: 02-2008 Posted From: 73.45.2.79 Rating: N/A |
Hyd lo no one cares andi since many skyscrappers are already built, ur building is not going to be a landmark. KakinDa lo it can adi naa meaning. ... | ||
Sesani Legend Username: Sesani Post Number: 43411 Registered: 08-2014 Posted From: 69.114.189.147 Rating: |
kiran bedaru... move to Mumbai and Marry Aalia Bhatt... U cant do this in hyd and even if u do no one cares but if u do in Mumbai atleast local people will envy u... Gotcha uncle... enduku kurrodni chetla paal sestav... | ||
Mahesh_fan Megastar Username: Mahesh_fan Post Number: 21873 Registered: 09-2010 Posted From: 96.58.191.116 Rating: N/A |
hi rao garu. How are u doing. Please share updates about your pf... | ||
Rao Junior Artist Username: Rao Post Number: 592 Registered: 11-2011 Posted From: 110.224.238.180 Rating: N/A |
Brother you can avail loan of max. 20 lkas from any bank by pledging Your MF holdings/stocks orth of 40 lks. this is called loan against securities (LAS). | ||
Mandharam Side Hero Username: Mandharam Post Number: 2564 Registered: 02-2008 Posted From: 122.167.19.188 Rating: N/A |
Kakindada lo reality prices are out of reach brother. Invest in tier-3 ir tier-4 towns. The growth in these small town has picked up now. We are seeing min 20-25% raise per year Kakinada, Vizag, Hyd, Bangalore lo growth has slowed down Invest in plots (not house) | ||
Prouddesi Side Hero Username: Prouddesi Post Number: 6984 Registered: 09-2014 Posted From: 183.82.99.175 Rating: N/A |
 TDP + TRS is RULING ALLIANCE in RANGA REDDY ZILLA PARISHAD ,no permenant friends or foes,so chillax friends | ||
Saint Legend Username: Saint Post Number: 62550 Registered: 01-2011 Posted From: 98.156.0.52 Rating: N/A |
 ittanti ideas etla vasthayi mama neeku? u have unique thinking process... | ||
Kkkiran Junior Artist Username: Kkkiran Post Number: 14 Registered: 09-2015 Posted From: 103.53.62.52 Rating: N/A |
Hahaha, i live in hyd bro, enduku joke chesthaaru sir? local people envy aa..vallu hate chesthe endhi envy aithe endhi.. | ||
Gotcha Megastar Username: Gotcha Post Number: 24949 Registered: 02-2008 Posted From: 73.45.2.79 Rating: |
Kkkiran My advise buy it in kakinada, then take bank loan and build a compartmental portions or something and rent it out. For ur 25 lakhs take atlest 40 lakhs loan and build something good this will work out if u r nri if u r indian atleast it will boost ur ego and neighbours dince u own something good and not just simple apartment U cant do this in hyd and even if u do no one cares but if u do in kkd atleast local people will envy u  ... | ||
Airliner Side Hero Username: Airliner Post Number: 3695 Registered: 11-2011 Posted From: 69.165.145.160 Rating: N/A |
cheriyaal Great minds discuss ideas. Average minds discuss events. Small minds discuss people. | ||
Inquisitive Comedian Username: Inquisitive Post Number: 1569 Registered: 09-2014 Posted From: 72.201.13.156 Rating: N/A |
Place? Closest ORR junction? "Sakshi is a most balanced and independent media. This has no affiliation with any political party," Jagan had said. Link: http://www.outlookindia.com/news/article/sakshi-retelecasts- story-omits-antisonia-remarks/701963 | ||
Emc2 Legend Username: Emc2 Post Number: 49380 Registered: 03-2008 Posted From: 71.127.33.203 Rating: N/A |
Regardless don't buy plots or plots right now, re is in slump every where Malli loan ante that is another blunder you are making Koncham research chesi konu if u r despirAte | ||
Airliner Side Hero Username: Airliner Post Number: 3693 Registered: 11-2011 Posted From: 136.223.19.5 Rating: N/A |
hyd RE picked up.. wifey farm land rates doubled.. 35l per acre konnam 2 yrs back around ORR..now asking for 80l.. Great minds discuss ideas. Average minds discuss events. Small minds discuss people. | ||
Gotcha Megastar Username: Gotcha Post Number: 24947 Registered: 02-2008 Posted From: 64.134.123.153 Rating: N/A |
Undedi india or US? ... | ||
Phoenix Side Hero Username: Phoenix Post Number: 7125 Registered: 10-2012 Posted From: 122.169.226.168 Rating: N/A |
Municipal elections tarvata nundi ekkayi anta rates..but other cities tho comparison lo enka reasonable ani antunnaru...city ki 15-20kms radius lo e city lo 20-25 lakhs ki plot dhorukutundi... | ||
Saint Legend Username: Saint Post Number: 62544 Registered: 01-2011 Posted From: 98.156.0.52 Rating: N/A |
oh adi kooda done aa!! keka!! | ||
Telugudesam Comedian Username: Telugudesam Post Number: 1187 Registered: 08-2008 Posted From: 73.18.23.88 Rating: N/A |
Saint brother Hyd lo already rates perigaayi Last year 18000 Rs per square yard adigaaru Memu Amma ledhu Last week 30000 Rs per square yard ki ammesamu Last one year lo Chala appreciate ayyayi Hyd lo | ||
Ustad Megastar Username: Ustad Post Number: 26303 Registered: 07-2008 Posted From: 76.169.161.29 Rating: N/A |
 I learned long ago, never to wrestle with a pig. You get dirty and besides, the pig likes it - George Bernard Shaw | ||
Saint Legend Username: Saint Post Number: 62541 Registered: 01-2011 Posted From: 98.156.0.52 Rating: N/A |
also borrowed conviction edi chesina repu nenooooo/inqusitive oo vachi neeku money repay cheyyamu!!! so get all inputs from everyone..do ur DD...then decide and invest..dont invest becoz somebody said it! | ||
Saint Legend Username: Saint Post Number: 62538 Registered: 01-2011 Posted From: 98.156.0.52 Rating: N/A |
if you dont have much time to spend on research analysis reading, then go with MFs if you can do the above then invest in stocks ...MFs lo fund managers baaga dobbestharu...Stocks lo risk/reward anni neeke...! if you ask my opinion, it is a good time to buy plots in hyderabad (not 20-30kms outskirts, but inside). compared to any south India metro, growth rate, Houses/land in hyderabad is currently available at 30-40% discount rate. buy an individual house in prime area in Hyderabad. u will get decent returns and price appreciation but you will need to have somebody in India to look after all these properties...stocks lo ithe internet vunte chaalu... KKD or AP lo konatam sudda dandaga..ROI basis meeda utter nonsense...just janala daggira dabbu (blockmoney) vundi ani addadiddam ga penchi dobbbaru...evadoo vachi ekkuva price petti koni neeku profit isthadu ane voohallo vundatam tappa, akkada illu kattina, emi chesina returns pedda brokka.... ade hyderabad lo rent ki itchukunna, u will get 5-6% as rent plus decent appreciation.... My first vote stocks second hyd lo independent house third MFs forth Hyd lo plots (inside city) fifth and last option kkd lo plots | ||
Phoenix Side Hero Username: Phoenix Post Number: 7124 Registered: 10-2012 Posted From: 122.169.226.168 Rating: N/A |
Ok got it bro Tq One more doubt bro anni papers clear ga unna plot in good future market location volatile ga unde market s kanna ela better koncham cheppandi... | ||
Inquisitive Comedian Username: Inquisitive Post Number: 1568 Registered: 09-2014 Posted From: 72.201.13.156 Rating: N/A |
In the US there are leveraged MFs, perhaps in India too there are such MFs. Leveraged MFs work the same way as taking a loan and investing in an asset. Suppose you have 10 lacs and you take a 2x leveraged MF, the MF institution will take a loan for 10 lacs on your behalf and invest 20 lacs in the MF. Your returns would be the payoff of the 20 lac MF minus 10 lacs and interest on 10 lacs. If there are no leveraged MFs in India, you can still do it by taking a loan against your MF (you'll get it quickly without hassle at low interest rate) and then you can invest the loan amount also in the same MF. "Sakshi is a most balanced and independent media. This has no affiliation with any political party," Jagan had said. Link: http://www.outlookindia.com/news/article/sakshi-retelecasts- story-omits-antisonia-remarks/701963 | ||
Phoenix Side Hero Username: Phoenix Post Number: 7123 Registered: 10-2012 Posted From: 122.169.226.168 Rating: N/A |
Good explaination bro But MF lo loan concept undadhu kadha bro adhe plot flat loan teeskoni konachu kadha partial ga | ||
Inquisitive Comedian Username: Inquisitive Post Number: 1567 Registered: 09-2014 Posted From: 72.201.13.156 Rating: |
If you are seeking profits, why don't you consider equity based mutual funds? Consider the following differences between investing in an MF and a plot: 1. Extreme liquidity (you can withdraw in 2-3 working days when you need money). Plots are very illiquid. You may have to either pay a substantial brokerage or sell at a discount or wait for a long period to get a fair price. 2. MFs allow partial withdrawals whereas plots can't be sold in parts. 3. MFs can be pledged for quick loans without much hassle of documentation and a loan can be availed at a lower interest rate than loan against a plot. 4. On average, diversified equity mutual funds give more returns than plots. 5. Plots come with a low probability but serious risk of litigation or total loss (acquisition by government, encroachment, title dispute etc.) 6. MFs are well diversified so even if one or two of the companies or even sectors are hit by negative shocks, your overall fund value wouldn't see a steep erosion. A plot if not at all diversified. One blow to that area or sector will cause big losses. (Consider change of construction regulations, interest rate shocks, hike in registration fee etc.) 7. Plots come with high transaction costs (brokerage, stamp duty, registration fee, bid-ask spread etc.) whereas MFs have tiny fees, especially if you take a direct MF. 8. Tax benefit: MF returns are 100% tax exempt if you invest for one year or more. Returns on a plot are taxed very heavily if you sell within 3 years and at 20% of post inflation adjusted returns if you sell after 3 years. 9. Plots may seem less risky then they are because of lack of awareness of current value (due to the extreme illiquidity and lack of transparency) whereas MFs may seem more volatile than they are because prices are transparent (declared on every working day). If you look at just yearly returns or more longer term returns, you'd see that MFs are far less volatile. Now, after such a long post, you may want to ask me why plots command the price they do if they aren't such good investment in comparison to MFs. My answer is that MFs are not an option for those with black money because the MF institutions (or Banks) would report them to the IT department. Plots (despite all the drawbacks) are the safe option for black money holders because plot sellers usually accept at least some payment in black (currency stacks). "Sakshi is a most balanced and independent media. This has no affiliation with any political party," Jagan had said. Link: http://www.outlookindia.com/news/article/sakshi-retelecasts- story-omits-antisonia-remarks/701963 | ||
Vjawarrior Megastar Username: Vjawarrior Post Number: 24747 Registered: 02-2014 Posted From: 71.228.237.119 Rating: N/A |
kakinada any day is the best... | ||
Kkkiran Junior Artist Username: Kkkiran Post Number: 13 Registered: 09-2015 Posted From: 103.53.62.52 Rating: N/A |
Guyz, straight to the point. My savings till now are around 15l Inr, Willing to take another 10l as loan to buy plot. Is kollur near gachi bowli better or kakinda(kinda home town for me) interms of Profitabilty |
