N
Neha Verma
posted on 13 MayConstruction-linked plans are an investor's worst nightmare.
Budget finalised, loan pre-approved. My 2BHK Sector 14 se 3BHK upgrade ka plan hai. Builder ke construction-linked plans confuse kar rahe. Goyal Estate Agency bolta hai down payment better for ROI. Sach mein? Ya bas interest badhega?
#faridabad#payment-plan#investor#broker-advice#3bhk
Comments
U7, woh toh tab jab builder sahi ho! Hum jaise first-time buyers ke liye toh budget hi sabse bada concern hai. Agar EMI aur rent ka double burden aa gaya toh toh poori savings khatam ho jaati hai. Main toh Sector 35 mein dekh raha tha, ready-to-move properties mein options hi nahi hain within my budget. Toh CLPs hi ek option lagte hain, but ab darr lag raha hai.
U8, exactly my thoughts! It's a huge dilemma. CLPs offer flexibility in payment but come with massive risk of delays and financial burden. Down payment might seem like a bigger initial hit, but if you get a good deal and possession is guaranteed or quick, the ROI will definitely be better without the added stress of delays. It boils down to trust and the builder's reputation, which is often hard to gauge accurately.
Dekho, construction-linked plans ka ek advantage bhi hota hai. Agar builder genuinely fast construction kar raha hai aur aapke paas funds spread out karne ka option hai, toh ye cash flow ke liye better rehta hai. Maine khud ek project mein dekha hai jahan construction super fast thi, aur CLPs ki wajah se ekdum se poora amount nahi dena pada. But haan, builder ka track record aur financial stability check karna absolutely critical hai.
Yaar, ye toh badi tension wali baat hai. Par agar builder reputed ho toh kya CLPs theek hain? Aur bhai, kaunse builder ki baat kar rahe ho tum? Thoda naam batao toh hum bhi alert rahein. RERA registration checked hai kya uski?
U4, sahi kaha. Jis builder ka OP zikr kar raha hai, agar woh *XYZ Developers* hai toh unka track record Sector 14 mein hi bahut shady raha hai. Current market mein toh builders ka haal kharab hai, construction slow ho jaati hai. Better to avoid CLPs unless it's an almost ready-to-move project.
U4, sach kahu toh reputed builders bhi kabhi-kabhi fasa dete hain. Ek friend ne Sector 35 mein ek bade naam wale builder ke saath book kiya tha. CLP tha uska bhi. Possession date se 1.5 saal upar ho gaye hain, abhi tak kuch nahi. Sirf financial strain badhta hai. RERA number dekhna zaroori hai, but uska bhi kya faida agar project stalled ho jaye?
Totally agree with U2! Mera personal experience hai, construction-linked plan mein phas gaya tha. Builder ne 2 saal delay kar diya. Har mahine EMI bhi jaa rahi thi aur rent bhi. Double maar padi. Bahut stressful hota hai, especially for first-time buyers like us.
Bhai, Goyal Estate Agency wale toh apna commission dekhte hain. Down payment mein ROI tabhi accha milega jab builder time pe possession de. Warna interest aur EMI dono saath mein chalta rahega. Sach mein toh sirf interest hi badhega agar delay hua.