Annuj Goel Pune | Quick Pointers: How To Check Real Estate Developers Reputation In Pune?

Are you planning to buy a property in Pune? Don't just go by the details claimed in the brochure and offers listed by the builder. There are a lot of pointers that you should consider from the beginning. Annuj Goel, Director, Goel Ganga Developments says there are so many things that depend on the builder's proficiency and supplies. It is better to pen down the checklist before you make the final decision.

·        Perform the ground check- Start the task by conducting an internet hunt on the best builders in Pune, refer to some blogs, news reports, customer forums, property sites, and others. Typically, these sites and channels have loads of trustworthy information to cater to your needs. In the next step, you can plan site visits, make a direct appointment with the builders. It will give you a transparent vision of the topics you are doubtful. Meanwhile, you can gather relevant information from your family and colleagues who have purchased homes in the recent past.

·        Verify the track record- Annuj Goel says that buying a home is a lifetime event for many of us. Hence perform it with satisfactory research and dedication. Further, he says that it is safe to finalize the deal with an experienced real estate builder who has a good delivery record and professional approach. These days it is easy to check any builder's track record and find out how well they are executing the projects. As per the recent amendments in the real estate industry, a reputed builder in Pune must be a member of the recognized associations like CREDAI, BAI, and others. Through these self-regulatory bodies, you can get a definite notion about the reputation of the developers you are planning to buy your dream home.

·        Ask for a quality certificate- This industry solely works on quality management and customer satisfaction, it means each organization should have ISO certification. Through this certification, a builder is inspected, reviewed, and certified that they are working professionally and authentically.

·        The realty ranks- These realty ratings can help you in analyzing and identifying the quality projects in your city. The system was initiated in 2010 as Crest, Crisil Real Estate Star Ratings play an active role in providing a city-specific evaluation of ongoing and completed projects. Additionally, there is a national developer rating list, which rates a developer on grounds like the track record, how they are maintaining the legalities, production quality, timely deliveries of projects, etc. 

·        The financial assurance- Annuj Goel says to get the accurate details and reputation of the corporation, get hold of the company's profit or balance sheet. If the business has too many debts or unable to repay the loans, it is better to quit. Some registered builders put their monetary articles on the websites, and for others, you can check at the concerned Registrars of Companies(ROC) office. The experts say if the builders have a strong cash flow, then they are liable to deliver the possessions on time.

Goel Ganga Developers owners say that before you are willing to invest your saved money, do homework, do not rely on duplicity, and fake commitments. It is best to contact the builders who have experience in their profession and doing everything in a systematic way such as giving ownership with the occupancy certificates with NOC, no additional charges in the layout plans till the end, quality of construction, etc.

Best Ways to Reduce Your Burden of Home Loan EMIs During The Corona Crisis

The outbreak of Coronavirus has influenced the entire world. The lockdown phase has created disturbances by swaying the cash flows, which makes regular loan payments challenging for many. Even the six months moratorium on repayments of loans also ended on 31st August, and now everyone waits for the second extension or other repayment strategies from the finance minister. Meanwhile, many have lost their jobs or going through reduced salaries and delayed salaries. In this segment, Annuj Goel Pune has come up with a few suggestions to help the borrowers and the ones who are interested in buying new properties in Pune during this period: 

• You can ask the bank or finance company to reduce the interest rates with a nominal conversion fee. It will bring interest rates to reduced levels. 
• In the next step, you can ask the banks to move from the limited cost-based loan valuation to the repo rate-linked lending rate to ensure that whenever the RBI hits the repo rate you will be able to avail the benefit. Annuj Goel says, be wise and do not jump to your fixed deposits, instead, use it for restitution of your loan. 
• Contact the lenders if you are at risk of missing the EMIs- In case you are dealing with a situation that results in setbacks in auto loans, personal loans, home loans, etc. just talk with the lender and explain to them the circumstances. At this time, everyone is aware of the hardships, so the moneylenders can help with some kind of accommodation. It may include temporary delays, avoiding interest charges, longer terms, etc. 
• Connect with a credit counsel- Goel Ganga Development owners say that during this crisis we all need guidance. All you need to do is find a genuine adviser with whom you can discuss the financial situation, employment status, expenses, and future goals without any hesitation. They can help in combating the ways to adjust the expenses and assist in sorting the problems.  
• Changing the lender can bring relief- Yes, you can change the lender mid-loan. You can find a new bank or lender who offers lower interest rates or willing to extend the repayment tenure. To the fact, changing a lender is easy and convenient. 
• Decide longer repayment tenures- With the extended repayment security you will be asked to pay more interest, but the EMIs will come down. Meanwhile, you can request the lender to extend the tenure of repayment. 

All in all, Annuj Goel Pune recommends to choose the bank carefully and go through the loan eligibility criteria offered by the lenders on the extension, repayment, and financing. Additionally, he advises being careful of scammers. During this time scams are increasing as they are taking advantage of consumers who are in distress. With adequate planning and smartness, you can apply for a home loan or avail the benefits of reduced housing loan EMIs and keep the savings secured for emergencies.

Enjoy Impeccable Home Buying Experience In Pune With Goel Ganga Developments

 Pune has been deemed “the most livable city” multiple times. With the incoming of many corporate in the city, it is filled with newcomers who want to settle herein. The expectations and desires of the people migrating to Pune for studies, for a job or better living standard than the locals who are residing here from generations. The immigrants, students or job seekers are looking for 2 or 3 BHK homes in decent localities.

Choosing a location and builder also depends on the financial strength of the potential home buyer. The houses can range from 35 Lacs to upward of 9-10 Crores. The other aspect is why someone wants to purchase a house, it is for self-use, renting, or simply an investment? In between these questions, buying a house is not a pocket change that can be neglected. Moreover, as a lot of house owners share their reviews regarding their property deals in Goel Ganga Developments reviews segment. It is a fact that the process of homeownership is tedious.

Even if you like the property that fulfills most of your criteria, there are site visits to go to, and after four and five visits, you may find what fits your requirement. The process of denial depends mainly on the location, as it should have a peripheral infrastructure such as hospitals, banks, and schools for consideration.

Giving multiple constraints, Goel Ganga Developments owner Anuj Goel Ganga strive hard to make home buying experience impeccable and hassle-free for everyone. Having over 38 years of experience in building homes and serving the customers. The organization is involved in more than 50 residential and commercial projects with different variations across Pune. The transparent business strategies, affordable prices, and expertise in customer dealing leave a prominent remark on the buyers.

They know and anticipate all the queries that come from seasoned buyers and first-time owners. They have built homes for over 35000 families and continue to do so with their new projects. This is the reason you can easily find a genuine Goel Ganga feedback over the internet. The lockdown gave a pause to the work schedule, but with the unlock phases the construction is back on track. You can find beautiful ongoing residential projects across the city in Kharadi, Dhanori, Undri, Nibm, Tathawade, etc. locations. Every project has a brilliant infrastructure and promising facilities to provide a plethora of options for the new buyers and investors looking to settle, renting, and investment. The buyers can get all the details of all the listed properties on the website, with pictures, and they can be reached through What’s App and other social media platforms.

The website contains walkthroughs for different properties and in these times, giving virtual tours to all the potential homeowners is a godsend opportunity. All in all, choosing a property under the brand of Goel Ganga transforms the entire experience of home buying with timely possessions and friendly customer supervision at every step.

Get Expert Advice on Home Buying During COVID-19 Outbreak- With Goel Ganga Developments

 The Coronavirus pandemic has given all industries a tough time but, it also presented opportunities to improve processes also. One of those industries is Real Estate. Although construction came to a halt during the lockdown, it started with a slow pick-up. Now, the industry is adapting the new normal and working dedicatedly by maintaining social distancing and wearing masks and getting back on track says Annuj Goel Ganga.

It is important to take a minute and apprehend the facts of how the pandemic is affecting the economy, including the real estate. The existing economic crisis and health-related issues have made home-buying a little difficult. In between, if you had plans to purchase a home this year, then these circumstances might have left you wondering how to manage and execute the process. The developers are taking precautionary measures to ensure the safety of their workers and team members. 

These days investing in fixed assets has better chances of giving you dividends for the long term. Moreover, having a house in an IT hub like Pune brings plenty of advantages. It also eases the anxiety of dues, landlord pressure to vacate during these tough times, adds Anuj Goel Ganga. Under the guideline during the lockdown and even today people are advised to stay at home, study online and do work from home. These practices are shifting the priorities and giving birth to the demands of buying big homes in decent localities like Dhanori, Undri, Nibm, Kharadi, etc. where the environment is peaceful and pleasing to the soul.

In all this, the virtue of having your own home is being seen by the millennial generation as a positive attribute. It saves from the hustle of paying rent, issues with landlords, separate rooms, convenient commutation, ventilations in home, Vastu friendly, etc. Considering all these circumstances and having a place of your own adds merits in the lifestyle. As the needs of bigger homes is generating day-by-day to get bigger breathing spaces.

The Goel Ganga Developments Owners believe that sharing genuine feedbacks with the public brings peace of mind to people interested in buying home. These days the Government is encouraging first-time buyers by slashing down the repo rate which in turn will decrease the interest rates. It will reduce the burden of heavy loan EMIs. 

Lately, the realty advisors have come up with a new proposal for the buyers to purchase a term insurance policy or a home loan coverage of sufficient cover size to ensure their safety. Consulting a financial advisor or industry experts like Goel Ganga Developments, Pune to chalk out the strategies in the right direction will be beneficial for the home seekers. Home buying and investing in real estate at this time is a different experience for everyone, so it is advisable not to rush.

Four Pillars of Goel Ganga Developments Pune You Need To Know

The demand for new homes in Pune will never come to an end, this city welcomes hundreds of people from across the country to settle and accomplish their plans. Buying a home is a part of fulfilling the purpose of every mediocre family. In today's scenario, every day is a good day to buy a new home and decorate it. In this journey of buying a simple home, we need a reliable builder with authentic dealing. And Goel Ganga Developments' Feedback gives a brief introduction to why people trust them? Here are the four pillars of this majestic group we need to know and admire before buying a new property in Pune:

1.     Every project connects you with life: Goel Ganga Developments Pune has expanded their wings from north to south and east to west. It has revamped the suburban localities, the slums, and even the posh areas into a manmade marvel with skilled engineering. You can find their prestigious projects in Dhanori, Undri, Nibm, Tathawade, Kalyani Nagar, Magarpatta, Wakad, Aundh, and every prominent area. The apartments are made at prime locations to provide ease of commutation, connectivity, and comfort to get every basic essential at the earliest.

2.     Convenient amenities: Every residential project offers great amenities. These facilities are the gateways to luxury and leisure. The ongoing projects like in Dhanori and Undri, Ganga Fernhill and Ganga Newtown are setting the perfect example of world-class amenities like a pool, kids playing area, gymnasium, yoga room, garden, lounge, utility store, power backup, CCTV surveillance, and much more to make life easy and hassle-free with the appearance.

3.     Affordability: Providing affordable housing for everyone in the dream initiative by Goel Ganga Developments owners at a wide level. They aim to deliver happy homes in a likely budget with appropriate amenities and civic structure to make living easy. Their housing schemes are a hundred percent genuine with an interactive customer help desk and bank tie-ups to make the process of buying home manageable. 

4.     Strong infrastructure: Undoubtedly, every apartment is planned meticulously to cater to the needs of 21st century home buyers. Goel Ganga Developments Owners believe that perfect amenities, reasonable rates, and a furnished home can help in meeting the lifestyle goals of every mediocre family of this generation. Each flat is designed with the motto to provide less in more space, ventilated rooms, ample light, decent kitchen, and bathroom installations to make the stay satisfactory and transform into a royal retreat in a set budget. 

Rendering beautiful designs, execution of planning systematically and timely possessions are some of the principal liabilities of the team. Giving decent and lively accommodation with amazing architecture and a peaceful blend of modernity and greenery is the fundamental purpose behind every residential project. 

The Relief Package Brings Back Positivity in the Real Estate Industry

Today, the active cases of Coronavirus disease in India have crossed 3 Lacs. India is also witnessing a rapid recovery rate, but still it has to overcome the adversities and win the battle against the pandemic. With an increase in cases, every sector has been baffled by all possible means. To support the ailing economy by weeks-long lockdown and curb the COVID-19 pandemic, a relief package by the Finance Minister had been introduced in May. With these announcements, the Indian real estate has found reasons to be pleased and find its way out. The package will benefit divisions like MSMEs, banks, real estate, agriculture, migrants, etc. The package was launched to encourage the financial growth of the country and help it to overcome the hardships.  

The real estate sector was expecting this package as big relief from the government, stated Goel Ganga Developments Owners recently. Some major issues faced by the real estate industries were credit squeeze and uncertain demands. The property market which was limping back seems hard to recover from the crisis of COVID- 19. Undoubtedly, this stimulus package came as a doorway of hope to the developers. 

Deadline extensions

The government has announced a feasible extension of six months in all residential and commercial projects to meet the local challenges. The market analysts affirms that this proposal will de-stress the builders significantly. Since the construction of ongoing projects has halted after the departure of migrant workers and their unavailability across the country. 

Liquidity factors

This package promises to infuse liquidity in the financing companies. Apart from RBI, a scheme to borrow Rs. 30,000 Crores by the NBFC’s and HFCs are created and it will be guaranteed by the government. Additionally, to fill the credit squeeze, Rs. 45,000 Crores is introduced under a partial guarantee scheme. The developers let out a sigh of relief, to ease liquidity in the neck of the time. This brand-new package is approximately equal to 10% of GDP. It also includes Rs 1.7 Lakh Crore which was announced in March 2020 simultaneously with other measures launched by the Reserve Bank of India. 

According to Anuj Goel Ganga, these steps will ensure immediate liquidity that is required to kick the growth engines post lockdown. The reduction of TDS by 25% will help new buyers to purchase homes during these tough times. In the coming   days, we expect the government to waive off stamp duty and leverage on GST to increase sales. This shall bring out lesser non- occupancy on the built property. Goel Ganga Developments Owners have faith that these decisions will benefit in the long term. 

Time for Self-Reliance

Self-reliance or being AATMANIRBHAR is the new motto, envisioned by Mr. Modi. It is expected to bring major changes and results in every industry. The experts believe that it will go a long way, with no doubts. This opportunity will build new employment and for the public and gradually bring affirmative results in the coming future.

It is a fact that builders are worried regarding the present demand as people abstain to shell out their savings. All the way, this package and tax relief is expected to help everyone and bring some stability in the market. During these tough times, GoelGanga Developments Pune assures to provide homes at the earliest, in the set budgets for everyone. 

Anuj Goel Ganga | Benefits of Buying a New Flat in Your Spouse Name In Pune

Purchasing a home for a family is a part of a dream these days. These decisions require ample research. With the amount of analysis, choosing the homeowner from the family members becomes a task as well. Preferably, most of the buyers take the decision only when both the spouses are ready for the same. Notably, in countries like India, home buying has equivalent emotional value along with the financial value. According to Anuj Goel Ganga attaching your spouse’s name, with the home not only enhances the opportunity to feel ownership and increases an emotional attachment, but it also adds various additional benefits.  

Stamp duty

It is one of the integral parts of buying property. At times, it is not covered by agencies providing housing loans. It is a charge payable on the sale agreement on or before the date of property registration. To encourage more woman buyers in the realty sector, relaxation of stamp duty is provided by 1-2%. Adding your spouse to the ownership of the property will make you save a considerable amount in stamp duty charges. Maharashtra has lauded a 1% concession on stamp duty charges from April 1, 2020. This leads to an ease in buying a reliable dream home, states with Goel Ganga Developments Pune.

Improved loan eligibility

Another benefit of adding a spouse as an owner would enhance loan eligibility. Applying for a loan via home loans will make a higher amount available according to the net income of your spouse. Loans can be availed in a larger proportion if the home is purchased as Co-Owners.

GoelGanga Developments Owner explain that purchasing a home in spouse’s name has direct and obvious tax benefits, including a deduction of INR 1,50,000 every financial year, under section 80C. An additional of INR 50,000 would be claimed if the principal amount of the loan is re-paid.

Extra discounts

Many banks and agencies offer extra discounts to women on home loan interest rates as compared to men. Nearly the difference varies between 0.5-1% depending on the companies. The company helps its customers to find the appropriate housing loans as required. This can be a treat to delight by adding your spouse’s name to the property by showing equality. This sweetens the relationship between you and your spouse.

To increase the number of women buyers 

The interested women who are desirous to invest in real estate, the government of India has introduced a lot of home loan benefits. With the government’s implementation of the Pradhan Mantri Awas Yojana (PMAY) scheme that provides interest subsidies while making adult female ownership, the incentives for women to become homeowners have increased.

Since 1982, Goel Ganga Developments Pune has worked with a commitment to provide affordable and comfortable housing in different localities of Pune like Kalyani Nagar, Hinjewadi, Magarpatta city, Hadapsar, etc. With more than 20,000 happy families the company promises to maintain the balance among the home buyers and encourage women as co-owners to their residence.