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It’s a home buyer’s market making it easier to own a home now than ever before. Not only are home loans interest rates are at a 15-year low, top developers like HM Constructions http://www.hmconstructions.com are offering never-before schemes to make the deal sweeter this festive season. (Check the box below)
While the real estate market is loaded in your favour, if you still want to negotiate on a deal, do it with caution. Remember, negotiating does not mean being unrealistic and too demanding when it is already a buyer’s market.
Research your options
Before going to the negotiating table, perform in-depth research about overall market conditions. Try to gather information about the locality, builder, and other projects in the vicinity. This will give you more clarity and an upper edge when you visit the sites.
Zeroing in on two-three locations like Kanakapura Road where HM Crescendo http://www.hmconstructions.com/projects/details/hm–crescendo and HM Indigo http://www.hmconstructions.com/projects/details/hm-indigo are majestically located, or RT Nagar with HM Tropical Tree http://www.hmconstructions.com/projects/details/hm-tropical-tree towering over regally, and Wheeler Road in the heart of the city where HM Grandeur http://www.hmconstructions.com/projects/details/hm-grandeur is located is also highly recommended.
Doing this will help you understand the neighbourhood’s infrastructure, connectivity, and accessibility to basic necessities.
Show your financial strength
Getting a pre-approved loan is a good idea. Those homebuyers who are pre-approved from banks and financial lenders, are always preferred by developers as they do not have to wait for the loan approval process to close the deal. It also saves them a lot of their time and brings in surety about the buyer’s purchasing power.
However, do check if online home loan disbursements are taking place since it requires you to sign on the dotted line. If digital signatures are allowed for pre-approved loans, you can finish the buying process sooner. https://portal.hdfc.com/campaign/new https://www.onlinesbi.com, https://www.icicibank.com, https://www.axisbank.com,
The most important advantage a buyer can have is the cheque book and the proof of home-loan approval. These will indicate to the developer that the buyer is serious, making it more than willing to negotiate a deal.
Make a big down payment
If you as a customer have surplus funds and wants to make a cash-down payment, you can negotiate for further discounts, even as high as 9-10%. If you can extend your budget a little, go for large-size luxury units. You might just get the best value-for-money deal.
Also, know that ready-to-move-in properties will have better scope for negotiations in comparison to under-construction ones. After all, builders will be looking to clear their unsold stock and release their new ones. Interestingly, it’s a win-win situation for both buyers and builders.
Seek discounts on other costs
As soon as you have chosen a project that suits your needs, ask the developer to give you the exact break-up of the total cost. Most often this includes an additional car park slot, club membership as well as preferential location charges (PLC). You could ask for a waiver on the club membership or the PLC. A lot many developers offer refundable booking amount or a customised payment plan. Look for what suits you best mutually.
Book your home for Rs 10,000 only
This unique scheme lets you book any of our spacious units of your choice at a token amount of Rs.10,000 only. Since the units are ready-to-move, you can finish up the formalities and move into an apartment of your own in just 10 days. What’s more, once you move in, you can let HM take the burden of your EMIs! The EMI Holiday Facility lets you postpone your EMIs by 10 months so that you may enjoy your stay at HM Indigo for nearly a year before you start paying the EMIs.
So, stop worrying about your monthly rental and book an http://www.hmindigo.com/ apartment today.