first-time property investors

Real Estate in Your Portfolio: The Right Balance

Asset allocation is the most important decision an investor makes. More than individual stock selection or market timing, it determines long-term risk, return stability, and capital preservation. Within this framework, real estate occupies a unique position. It is neither a pure growth asset like equities nor a low-risk income instrument like bonds. Instead, it sits in between, offering a blend of income...

Real Estate Tokenization: Opportunities, Limitations, and the Truth for Investors

Real estate has long been one of the most trusted asset classes for wealth creation. Yet, despite its strengths, it has always come with structural limitations: high entry costs, low liquidity, long holding periods, and complex transactions. Over the last few years, technology has begun to address some of these challenges. One of the most discussed developments in this space is real estate...

What Makes a Micro-Market Attractive for Buyers & Investors

As India’s cities continue to evolve and expand, the real estate landscape is undergoing significant shifts in fascinating ways. Rather than focusing solely on large neighborhoods or sprawling zones, the spotlight is now on smaller, high-potential pockets: the micro-markets. These distinct clusters not only exhibit unique growth patterns and pricing behaviors, but also showcase their own cycles of...

One Time Payment (OTP) vs Construction Linked Plan (CLP): The Complete Guide

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...

Smart Investor’s 2025 Checklist: How to Judge GDV, Realization Value & Developer Trust in Metro Projects

Real estate has regained its position as one of the most stable and rewarding investment avenues in 2025. With India’s GDP growing at 7.8% year-on-year in Q1 FY26 and metro residential prices surging between 5 to17%, homebuyers and investors are looking beyond traditional savings instruments like mutual funds and gold. But with bigger projects, new financing structures, and an evolving regulatory...

Financing the Future: How Loans Are Fueling India’s Real Estate and Housing Growth in 2025

Residential real estate is one of the most capital-intensive sectors in the economy, and financing remains a critical factor in its growth. Among the various funding mechanisms, debt financing plays a pivotal role, enabling developers and homebuyers alike to achieve scale and affordability. But what exactly is debt financing, and how does it shape the housing market? How to Improve Your Credit...

Unlocking the Secrets of Residential vs Commercial Property

Investing in real estate in India is both exciting and challenging. Every investor asks the same question: “Should I invest in residential or commercial property?” With urbanization accelerating and disposable incomes rising, India’s property market offers vast opportunities. Yet, making the wrong choice could slow your wealth growth or tie up your capital in low-yield assets. At 99 Realty, we...