Independent House vs. Villa: Which Is Your True Dream Home?
“There is no alternative to an independent house. It offers privacy, exclusivity, and locational advantage,” Mr. Arora firmly expressed his opinion. “It was earlier. But today, a villa in a community means higher quality of life with modern amenities, hassle-free repair and maintenance, and ironclad security,” his son politely disagreed. There are subtle differences between…
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Senior Citizens’ Path to Homeownership: The Best Loan Options
Mr. Subir Chatterjee does not own a home, but now, with retirement staring him in the face, he has decided to buy an apartment in Kolkata and settle down. He was in a job that took him to different cities in India. He was not sure where he would finally settle down after retirement. Now…
Buying a Home in 2025-26? Essential Tax Rules You Need to Know
Tax laws related to home loans and certain changes proposed in the Union Budget 2025 came into effect on April 1, 2025. These will affect homebuyers, property investors, and real estate developers. The new provisions are also expected to boost demand, increase tax compliance, and make property transactions more transparent and investor-friendly. If you are…
Demystifying Home Loans: Essential Information for Every Buyer
Buying a home involves substantial capital investment, and a home loan is extremely important for most homebuyers. In fact, almost all banks and various non-banking finance companies (NBFCs) offer home loans. However, their terms and conditions often differ, and borrowers find it difficult to choose the most suitable home loan from the right financial institution/bank….
Unlocking West Bengal’s Potential: The Investment Surge Story
“Let’s have another round of coffee,” Ranjana demanded. Ranjana, Saswata, Sayan, and Ritika were having their usual weekend adda in the South City food court. They are all final-year engineering students As usual, their discussions touched upon several topics — IPL matches, studies, their senior student friends already in jobs, and West Bengal’s economy and…
Gen Z Homebuyers Journey: Trends, Dreams, and Decisions
Shalini had thought Debmalya would continue to live in rent but what he said during the office coffee break took her by surprise. “Buying a home is essential for settling down. A home anchors you in life,” he spoke slowly. There is truth in those words, but it is tough for Gen Z youth (people…
Discover Kolkata’s Spring: Embracing Changes Beyond the Bloom
“No, no Sumedha, let’s try that again…” Mrs. Nupur Chatterjee ignored the faint sign of irritation on Sumedha’s face. “Sing with me now… Phagun hawoay hawoay…” Mrs. Chatterjee is a perfectionist; even minor lapses do not go past her. Rehearsals are in full swing for the cultural program in the evening of Doljatra. Like every…
Secrets to Successfully Renting Out Your Extra Room
Rita Sen, a retired school teacher in her late 60s, struggled to maintain her sprawling house at New Alipore. With her husband no more and her sons settled in Bengaluru and Mumbai for work, managing the entire property alone was becoming difficult. She started thinking about renting the ground floor. The idea of additional income…
Start Home Ownership Early: Benefits of Home Loans for Millennials
Srijit, a software engineer in his early 30s, had always wanted to buy a home. Growing up in various rented apartments through his childhood and teenage years, he saw his parents coping with rent hikes and the uncertainty of shifting. After landing a plum job in an IT giant, he started thinking of buying his…