R
Ritu Arora
Ghaziabad home hunt: Appreciating assets or money pit?
After 7 years of renting in Ghaziabad, I'm finally looking to buy. Landlord raised rent again, so I'm deep into EMI vs rent math. I'm currently looking at GD Homes (ready to move) and Investors House, trying to figure out which one makes more sense. GD Homes is definitely cheaper upfront, but I'm worried about its 5-year appreciation versus Investors House's potential. Not sure if that's even a fair comparison. What's the real total cost of ownership for both, including all those hidden charges? Anyone have experience with either builder's maintenance or resale in Ghaziabad?
#ghaziabad#first-time-buyer#emi-vs-rent#investment-potential#total-cost-ownership
Comments
Dekho, at the end of the day, first-time buyer ke liye sabse important hai peace of mind. Investors House ka 'RERA Not Applicable' wala point toh serious hai, usko deeply investigate karna chahiye. Aur GD Homes mein bhi, jo U5 aur U7 ne bataya, maintenance aur hidden costs ka poora breakdown maango. Sirf upfront price mat dekho, 5 saal ka total expense calculate karo. Sometimes, thoda zyada paisa dekar ek reputed builder ke saath jana long run mein sasta padta hai. Tune kya decide kiya finally?
Appreciation Ghaziabad mein location specific hai. Agar aap Indirapuram, Vaishali ya Ahinsa Khand II jaise developed areas ke paas ho, toh potential zyada hai. Lekin agar thoda outer areas mein jaoge, toh long-term appreciation ka wait karna padega. Current market mein, home loan interest rates abhi bhi high hain, toh EMI ka burden waise bhi zyada hai. Investors House agar kisi prime location mein hai toh appreciation ke chances hain, warna GD Homes agar basic amenities aur connectivity deta hai toh woh bhi theek hai for living, not so much for investment.
Haan, location is key. Abhay Khand mein properties ne achha appreciate kiya hai recently.
GD Homes ki baat karun toh, upfront sasta dikhta hai but baad mein maintenance charges aur society fund ke naam pe itna loot te hain ki mat पूछो! Mera ek cousin Ahinsa Khand 1 mein ek aise hi 'affordable' project mein phans gaya tha. Possession ke baad aadhi cheezein kaam nahi kar rahi thin, aur builder ne haath khade kar diye. Fir society ne milke fund raise kiya repair ke liye. Total cost of ownership mein ye sab bhi add hota hai, sirf EMI nahi. Appreciaton toh tab hoga jab building ki quality achhi ho aur facilities maintain hon.
U5 ki baat mein dum hai. Mera bhi experience hai ki initially jo quoted maintenance hota hai, woh 2 saal mein double ho jata hai. Society formation mein bhi builders der karte hain, takki woh apni marzi chala sakein. Ek bar toh mere building mein lift 3 mahine band thi kyunki builder ne maintenance fund transfer nahi kiya tha society ko. Ye 'hidden charges' nahi, 'hidden problems' hain.
Bilkul sahi keh rahe ho! Maintenance toh ek alag hi headache hai. Cheap projects mein ye sabse pehle compromise hota hai.
Investors House se thoda cautious rehna, yaar. Unka RERA status 'Not Applicable' dikha raha hai, jo thoda risky ho sakta hai. Agar project bahut purana hai ya plot size kam hai tabhi ye hota hai, but generally, it's better to go with RERA registered projects for peace of mind. Hidden charges toh har builder lagata hai, but non-RERA mein transparency thodi kam hoti hai. Meri research mein Investors House ka price range ₹55 L – ₹70 L dikha raha hai, which is decent for some parts of Ghaziabad, but confirm kar lena ki sab included hai ya nahi.
Haan, U3, ye red flag ho sakta hai. Usually, agar project RERA se pehle ka hai ya area bahut chhota hai, tabhi 'Not Applicable' hota hai. Lekin new projects ke liye toh registration mandatory hai. Tum builder se written mein maango ki kis clause ke under unka project RERA registered nahi hai. Warna baad mein dispute mein phans sakte ho, jaisa mere ek dost ke saath hua tha Achchheja mein.
Uff, RERA Not Applicable ka kya matlab hai? Builder toh bolte hain sab clear hai, koi problem nahi. Kya sach mein itna bada red flag hai?
Bhai, ye EMI vs rent ka chakkar toh har first-time buyer ki life mein hai! Tune bilkul sahi sawaal uthaya hai. Ghaziabad mein bhi ab prices aise badh rahe hain ki lagta hai ab nahi liya toh kabhi nahi le payenge. Main bhi same dilemma mein hoon, bas project alag hain. Tera landlord toh pakka rent increase karega, mera bhi karta hai har saal! GD Homes aur Investors House ka comparison interesting hai.