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Top Reasons to Invest in Real-Estate during this Lockdown | TopPropMart

Covid-19 and the resultant lockdown has Forced us to stay at home and re-think our whole existence! Our lives have witnessed a 360 degree turn with homes becoming offices, domestic helps becoming a thing of the past and hugging a dear one becoming a sign of lack of care or compassion.

While there are plenty of lessons to be learnt from this pandemic, one of the most important lesson are the fact that life is very unpredictable, and we should be ready to fight for every situation. This holds true for our finances too and thus our investments. While, it is no secret that real estate is one of the safest and long-term investments, do you understand that this Covid-19 lockdown could prove to be the best time to invest in this asset. Here’s why!

  • Weaker markets

Buyer sentiments have been immensely impacted due to the negative impact of Covid-19 on the economy. The looming uncertainty in the job markets, prospective home buyers have pulled back or deferred their purchase decisions. This gives an investor a higher negotiating power to close deals.

  • Lockdown offers by top developers

This has squeezed top notch developers across the country such as Godrej Properties, Bhutani, Shriram Earth etc come out with special lockdown offers that you as a prudent investor would not want to miss. With the special payment plans of cash discounts to booking a property with just Rs 1 lakh, it’s all happening.

Many Developers and property firms have innovated their selling strategies to meet the need of the hour which is online selling. For instance, TopPropMart giving facilities of online site visit by drone to aid buyers and investors to buy property during this lockdown. facilities such as walk-through videos, detailed project reports, Ppt of projects, we will help you to buy property online.

  • Tangible Asset

Apart from being less unstable, real estate is also a long term and tangible asset. It offers capital appreciation if you stay invested for a certain period of time. Market experts believe that even though the real estate sector has already taken a hit due to the pandemic, it is expected to revive soon. Even if you give yourself a period of at least 2-3 years, there are still chances you would end up gaining a higher ROI than any other asset. Not to forget the rental income one can gain if invested in a ready property.

  • More stable than stock markets

Probably the worst hit asset due to Covid-19 was the share markets. basically, investors have been pulling their money out of stocks. This causes the price of the bonds to go up and about their yield to go downward. Stock markets have crashed not just in India but also globally. All seasoned investors know that stock markets are volatile and a high- risk investment as opposed to real estate. It thus makes sense to diversify your investment portfolio and invest in real estate at a time when everything else seems unstable.

  • Reduced home loan rates

The Reserve Bank of India (RBI) announced a rate cut in repo rates on March 27th, 2020. The repo rate was reduced from 5.15% to 4.40%, a drop of 75 basis points. This clearly means that banks can now get loans at a lower rate from the RBI. If banks decide to pass on this benefit to the customers, the automatically your home loans rates will come down drastically.

  • More time to do your research

As we all our at home following social distancing, we have more time on our hands to do a thorough research. You cannot go out for site visits; however, developers and brokerage firms have created all types of virtual aids to guide you in your purchase. Utilize your time to visit the properties online and who knows you might just find the deal of your dreams.

If you have a secure job and a positive capital backup or if you are looking for a long-term investment, this could be the right time to put your money in real estate. Lockdown have had us sit at home and re-think our whole existence! 

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How to Buy a Home Safely during Coronavirus Outbreak | TOPPROPMART

How to Buy a Home Safely during Coronavirus Outbreak?

The Indian government has officially started taking action to reduce the spread of well-known COVID-19. Our citizen’s health is more important than anything else. However, these safety measures have likely broken up the plans of many people looking to buy or list a home this upcoming spring. The best technique to stay healthy is to stay safe and avoid social situations.

We TopPropMart, care about the safety and well-being of our clients. We’ll go over a couple of reasons why it is actually a great time to Invest in residential REAL ESTATE, and how to stay healthy while doing so.

Why Is It A Great Time To Buy Property?

For one, people are working from home and avoiding large social gatherings. For buyers, this is the time for buying new residential properties & commercial properties!

The other reason why it’s a great time to buy property is because the Coronavirus has caused mortgage rates to drop to record lows, but basically investors have been pulling their money out of stocks. This causes the price of the bonds to go up and about their yield to go downward. The 30-year fixed mortgage rate has a direct relation to the 10-year treasury rate – so as a result, mortgage rates are lower than they’ve ever been in the history of compiling data. This makes it a great time to buy a Property.

Tax and Duty Relief Probable Is Package for Industry

The Reserve Bank of India (RBI) had taken a step to relief industries, including a repo rate cut of 75 basis points, a reduction of 100 basis points in the cash reserve ratio to free up liquidity and a three-month moratorium on loan repayments.

The second economic relief package is meant at making sure that the sectors worst hit by the lockdown are able to spring back quickly once the country reopens.

Industry has called for a fiscal stimulus worth 1% of country’s GDP amounting to Rs 2 lakh crore to counter the economic impact of the Covid-19 outbreak.
Most of the agencies have slash India’s growth forecast for FY21.

How Do We Stay Safe During COVID-19?

So you’ve decided to take advantage of these high offers, and buy during this time of uncertainty. Here are our tips for staying healthy:

  • Avoid crowded open houses. Hire a real estate agent, who can make you online showings of homes you’d like to view.
  • If you would like to meet with your consultant, consider using video calls or phone calls. This way, you can avoid the risk of meeting in public.

Of course, general health & safety practices also apply. Wash your hands often, and practice social distancing when possible. See the WHO (World health organization) guideline on illness prevention. If you’re experiencing any symptoms of COVID-19, protect your community by delaying buying or selling a home until you are healthy. Your health is always your number one priority. As TopPropMart Consultant we deeply care about the well-being of our community. Stay healthy, stay informed. Let’s keep real estate simple.

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How did India survive and overcome 2008 Recession? | TopPropMart

How did India survive and overcome 2008 Recession?

The sudden change in the international financial markets directed many to except that the reason of economic reform in an increasingly globalized India would suffer a decisive setback. “See, we were right in opposing all this easiness,” one revanchist said, emphasizing that it was India’s intrusive regulatory system that had saved it from a worse consequence. Communist politicians formerly connected with Prime Minister Manmohan Singh even defended that it was their adversary that saved India from deregulating itself into disaster.

There was premature exultation.  In short term, because of the crisis reformers was generally pushed on the defensive. The Indian stock markets knockdown, foreign investors withdraw and trade drop off.

Country recovered very quickly because it is much less dependent on global trade and capital. China relies on external trade for about 75 percent of its GDP versus India which relies only 20 percent; India’s large and prosperous internal market accounts for the rest. Indians never stop producing goods and services for the Indians, and that kept the economy buzzing. Due to domestic investors, most of the money kept at home. Deposit from overseas Indians remained robust, reaching $46.4 billion in 2008–09. And due to this foreign investors returned. At the time of the crisis which is in September 2008, foreign investors had withdrawn $12 billion from our stock markets, but they are now flooding back: foreign direct investment reached $27.3 billion in 2008–09 and makes it at the rate of $1 billion per week in May 2009.

Without any doubt, India’s generally traditional financial system helped. Our banks and financial institutions were not charmed to buy the toxic—and exotic —financial instruments that ruined several Western institutions. But exactly be-cause our system held up so well, there has been no rush to deregulate.

India’s accomplishment is all the more striking when remembering the terrorist attacks on Mumbai in late November 2008. Those terrorists struck at India’s financial nerve center and commercial capital, a city representative of the country’s enthusiastic thrust into the 21st century. They wanted to destroy the image and reputation of India as an emerging economic giant and an increasing magnet for investors and tourists, to make India seem as insecure and vulnerable country, a soft state afflict by enemies who could wound it with impunity. In response India again proved to be resilient and restrained. And the country was rewarded as its GDP growth rate hit 6.7 percent in 2008–09 despite of all the setbacks.

Policies of government have also helped. India turns out two rounds of fiscal stimulus. Its financial authorities have pushed for expanded credit, lower interest rates, and reduced excise duties, all of which have contributed to boosted growth. And there are signs now that the crisis is already bottoming out: industrial production has either expanding or stabilized is, India’s trade is growing up, and financial markets are developing.

Therefore in India the cause of economic liberalization remains safe. To be sure, it is proceeding and led by a confident Prime Minister Singh, who knows that he has steered the ship of state through some particularly treacherous waters. Recently India has concluded free-trade agreements with ASEAN and South Korea, and similar arrangements are being work out with other East Asian countries. With the help of different ways India is trying to integrate with its neighbors.

As for the reactionaries who wished to return India to the era of over-regulation, they’ve been quite. Not because it was isolated but Due to strong capitalist fundamentals India was less affected by the crisis than the rest of the world. India has drag out more people out of poverty in the last 15 years than in the previous 45 years. The country has become prospered, and instead of high population growth, per capita income has in-creased faster than ever before. The financial crisis is being used to safeguard these gains and to build on them.  India will never return to the economics of nationalism, which equated political self-reliance with economic self-sufficiency and so downgrade us to persistent poverty and mediocrity. India is growing with more confidence than ever instead of retreating from the world.

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Covid-19 May worsen woes of residential Real-Estate sector!

Covid-19 May worsen woes of residential Real-Estate Sector!

Due to coronavirus outbreak ICRA (Investment Information and Credit Rating Agency), expects that the net cash flows of residential developers to witness some decline.

In case longed outbreak may result in bust dynamics which would have a deeper impact on project cash flows and execution abilities. Such an impact combined with the continuing credit squeeze and existing inventory overhang in the sector, would likely result in significant credit pressures going forward.

On the other hand, reduced in construction exoduses, attributable to a slowdown in project execution activity, are expected to limit the overall decline in net cash flows, at least in the case of a short-term disturbance.

The three-month moratorium on term loan installments announced by the RBI today also provides comfort on overall developer cash flows during this period.

In case of longer outbreak may significantly impact developers’ project execution abilities and cash flows, giving rise to wider credit negative indications. But some strong diversified developers, having strong balance sheet adequate liquidity are expected to be better-positioned to manage the risks arising out of this event, including reductions in collections and disruptions in project execution.

Impact on Residential Real-estate sector

Demand risks for the housing sector are likely to increase, given the rising apprehensions on overall economic growth and contagion related fears leading to reduced walk-ins and inabilities to carry out site visits, thus resulting in some decline in new sales and the associated collect

Receivable CC (Committed collections) from booked sales may also get smash to some extent, given that mile-stone based payments may get deferred and some buyers may delay payments on account of economic doubts arising from the looming chance of job cuts and pay cuts as the crisis extends.

One-year addition in project execution timelines also provide by RERA guidelines, in case of events beyond promoter control. Thus, regulatory risks are also reduced in the case of a short-term disturbance.


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