FD returns is more that real estate returns . Is it really true?

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Srinivas , Chennai

14th May 2015

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Replies (5)

Please refer to this link, it will make things much clearer to you, regarding the benefits in FD and Real estate.
http://www.indianalpha.in/2014/11/real-estate-vs-fixed-deposits.html

James Miley,

20th November 2015

Comment

The long term goals of almost every working professional are:
1. Buying a flat
2. Getting the Children educated through school and college
3. Getting the children married
4. Creating a retirement corpus to enjoy retired life

Anandraj Iyengar, Chennai

24th September 2015

Comment

Risk involved in Real estates is more.. Chances of making returns is high for real estate.. but these chances are fixed for FD.

Sunny, Bangalore

21st May 2015

Comment

Thank you friends. I will be happy if anybody share me related to my query.What is the return on my real estate investment?

Sunil Sharma, Noida

24th September 2015

Hi Various components required to calculate ROI such as Purchase price, loan terms, appreciation rate, taxes, expenses and other factors must be considered when you evaluate a real estate investment.

Sachin bhatt, Bangalore

24th September 2015

Let us take one example to understand the calculation of ROI in property:
Divide your investment into different part:
1. Purchase: Purchase price, Market Value,Cash invested,Depreciable value
2. Debt:- "Interest-Only" Loan? (Y/N), Loan amount , Interest rate (0% to 40%), Term, Closing costs.
3. Income:: Gross rental income, Income frequency, Annual rent increases,Occupancy Rate
4. Expenses:: Annual property tax, Annual insurance, Annual maintenance, Annual HOA, Annual increase in expenses
5. Other Information: Duration of analysis

Joseph Sebastian, Kolkata

24th September 2015

Hi In fixed deposit, we get fixed rate, i.e. 9 to 9.5% per yrs and it is not risky investment, but when we talk about real estate investment it totally depend upon market sentiment or market growth, sometimes one gets more that expected return or some time one have to wait and watch for a good time.

Raghav TK, Chennai

14th May 2015

Comment

some of the common mistakes made by almost everyone:
1.Investing in an endowment insurance policy / PPF / FD or RD. The returns would be pathetic and you would have blocked much needed funds to plan for better things in life
2.Buying everything (Bikes, Cars, Home Appliances, iPads, iPhones, ... ) by taking loans. You will keep paying EMIs to repay these loan and may never have any surplus for proper investments.
3. Buying a flat with a huge Home Loan. The EMI’s that you have to pay will ruin your happiness for the next 20-25 years.

Kiran Kumar, Chennai

25th September 2015

Hi As per expert of real estate, Real estate investors calculate the returns they have earned by investing in homes over the years, but things have started to change in the recent past. One who invests in FD have earned a better rate of return compared to real estate return.

Raghav TK, Chennai

14th May 2015

Comment

Hello Raghav, it is true in somehow, but real estate returns are depend upon various factors, not only percentage of price growth, but it depend upon where you invest, in which city or in which location. But we can't deny that previous years is not good for real estate investor in terms of growth factor.

Parashuram, Chennai

14th May 2015