When you buy an under-construction property, the payment plan you choose doesn’t just decide how much you pay—it decides how safely your money moves through the construction timeline. OTP and CLP may look simple on paper, but both models affect your risk, liquidity, EMI load, negotiation power, and even your long-term returns. For many buyers, the confusion begins right at the start:Should you save...
In real estate, valuation clarity is critical. One of the most frequently misunderstood concepts is the distinction between guidance value (also known as circle rate or ready reckoner rate) and market value. Knowing this difference is not just academic—it can determine how much you pay in stamp duty, how your home loan is assessed, and whether you're overpaying or underselling. This comprehensive...
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