M
Manasi Kulkarni
posted on 19 MayThe hidden truth about builder payment plans in Pune
Honestly, I've seen builders play games with payment plans. For Shapoorji Pallonji in Pimpri, does being bank-funded impact payment flexibility or investor ROI? Is construction-linked always smarter than upfront? Share your insights.
#pimpri#shapoorji-pallonji#payment-plan#investor-roi#construction-linked
Comments
Toh finally Shapoorji Pimpri mein bank-funded projects mein lena chahiye ya nahi? Bahut confusion ho raha hai. Sab apne apne experiences bata rahe hain, aur main toh aur nervous ho gaya.
U7, construction-linked mein sabse bada risk hai possession delay. Har delay pe apki EMI chalti rehti hai bina ghar mile. Aur agar builder financially weak nikla, toh project अटक bhi sakta hai. Upfront mein discount milta hai but woh bhi risky hai agar project stuck ho gaya, then you've blocked a huge amount of capital.
Mere ek relative ne Ambegaon Budruk mein Shapoorji ka project dekha tha. Unhone toh bola ki 'construction-linked' plan mein bhi initial 20% payment bahut high thi. Aur agar bank funding hai toh bank bhi apka profile dekhti hai. Builder ke paas cash flow hai ya nahi, woh bhi important hai. Agar builder strong hai, toh flexibility dete hain, warna nahi. Investor ROI toh tab hai jab market up ho aur builder time pe de, otherwise it's just a long-term liability.
But bank-funded projects generally safer nahi hote kya? At least bank due diligence toh karti hai. ROI ka kya scene hai agar construction-linked liya hai versus upfront? Kya difference padta hai investor pe?
Toh construction-linked mein sabse bada risk kya hai exactly?
Sahi baat hai. Current market mein demand thodi slow hai Pune mein, toh builders bhi payment plans mein thode flexible dikhte hain initially. But once you commit, they hold the cards. ROI depends on how fast they deliver and if property value appreciates. For investors, delays are killers, no matter the payment plan.
Bank-funded safety dete hain, but flexibility ka nahi pata. Mera experience Anand Nagar mein ek project mein tha, construction-linked liya tha. Builder ne materials ke rates badhane ke bahane se milestones delay kiye. Phir interest cost badhti gayi meri, bina possession ke. ROI toh negative mein chala gaya, yaar. Upfront waale shayad thode better position mein the, kyunki unko initial discount mil gaya tha.
Yaar, shapoorji ka naam sunke toh waise hi darr lagta hai. Pimpri mein projects ache hain, but payment flexibility ka game sach mein hota hai. Mera friend Akurdi mein फंस गया था, builder ne last minute terms change kar diye. Bank-funded project mein bhi yeh sab possible hai kya?
Haan, Akurdi mein hi nahi, Amanora Park Town mein bhi ek project mein mere colleague ke saath hua tha. Builder ne bank tie-up ke baad bhi EMI start karwa di thi construction ke beech mein, even before milestones were met. Bank-funded hone se flexibility kam ho jaati hai, especially agar builder ka cash flow tight ho. ROI toh bhool hi jao agar possession delay ho jaaye.
Exactly! Mujhe bhi yahi tension hai. Budget fixed hai, koi jhol nahi chahiye. Builder ne terms badal diye toh EMI kaise manage hogi, samajh nahi aata.