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Investing through a holding company
Q: Hello

Case: I wish to invest in commercial property(shop/office) by forming my own company(investment holding co). Income will be purely rental income.
This is purely for tax reasons as I am an NRI.
My question is:
1. Will banks give property loans to such company?
2. Out of various classes of companies, which class will I need to form?

As clarification, my capital will be sufficient only for 1 shop ~400sqft in Pune.

nri
rbi
fema
investment holding company
Latest Answer: Yes, a non-resident Indian can buy either a residential property or a commercial property in India but he cannot buy agricultural land, plantation land or a farm house in India. He cannot even acquire such property as a gift. The RBI has given a general permission to banks and housing finance companies registered with the National Housing Bank to provide loans to NRIs for buying residential and commercial property in India.
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Pune Legal Legal in Pune
Real estate developers and experts are disappointed with RBI's unchanges rate cut
Q: The RBI kept its policy rate on hold at 6.75%, hoping to wait until after the government's annual budget statement at the end of February.

real estate
bank of india
rbi
central banks
rbi unchanged rate cut
Latest Answer: Hi Ashish, Now we are expecting that the government would take thoughtful steps closer to the budget and provide further rate cuts to guide economic growth. The residential real estate has been the worst affected due to high interest rate and slow sales for the past couple of years. Current unsold residential inventory levels across India stands at over 6.9 lakh units and this would take more than 2.5 yrs to round off.
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RBI is planning easier model for growth of startups
Q: RBI will take some necessary steps to improve the ''ease of doing business''in the country.

rbi
mumbai real estate
reserve bank of india
rbi governor raghuram rajan
start-up india
Latest Answer: Very Good morning Vineet ji, It is seen last month that Prime Minister Narendra Modi unwrap many incentives to boost start-up businesses, offering them a tax holiday and inspector raj-free system for 3 yrs, capital gains tax exemption and Rs 10000 crore corpus to fund them.
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Mumbai Real estate News Real estate News in Mumbai
RBI announces new rules for calculating base rate
Q: This move would ensure lower lending rates for new home loan borrowers and companies with working capital loans.

home loan
rbi
interest rates
new rules for calculating base rate
lower lending rates
mclr
marginal cost of funds based lending rate
Latest Answer: Yes indeed you need to have an insurance when you buy a property. But it need not be a home insurance always. You can have a term insurance instead which will have a high cover with less premium. By doing this you will cover the home loan as well as your loan amount will be covered.
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SBI home loan customers to get only 50% benefit of cut in base lending rate
Q: SBI may have cut its base lending rate by 40 bps to 9.3% following RBI's latest policy rate cut, but the actual reduction in housing loan rate will be a maximum of only 20 bps.

home loan
rbi
sbi home loan
reserve bank of india
reserve bank governer
interest rates
base lending rates of sbi
base lending rate
latest policy rates cut by rbi
Latest Answer: Hi Rakshit, The Maxgain loan is a home loan structured as an overdraft. In this loan category, the borrower is not charged any interest for any surplus that the borrower charge in a current account linked to the loan. For a Maxgain loan above Rs 1 crore, interest has been revised to 9.75% for women and 9.8% for men.
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Mumbai Home Loan Home Loan in Mumbai
Once again RBI reduced the Repo Rate to 6.75 from 7.25%
Q: This decision of the RBI to reduce repo rate will significantly provide policy support to the real economy and help in the recovery process.

rbi
repo rate cut
repo rate
finance minister arun jaitley
raghuram ranjan
rbi reduced repo rate
monetary policy
Latest Answer: It is really a good move by the RBI. SBI slashed its lending rate by 0.40% within a couple of hours of rate cut by the Reserve Bank of India. The largest private sector lender ICICI Bank also hinted at cutting its base rate by at least 0.25%. It clearly shows that interest rates will come down, base rates will come down. A large part of the cut will get transmitted.
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Mumbai Real estate News Real estate News in Mumbai
FIIs and RFPIs can now invest up to 30% under PIS in Oberoi Realty
Q: As per the RBI, Foreign Institutional Investors/Registered Foreign Portfolios Investors can now invest up to 30% of the paid up capital of M/s Oberoi Realty Limited under the Portfolio Investment Scheme.

real estate
rbi
oberoi realty ltd
foreign institutional investors
fiis
rfpis
registered foreign portfolios investors
Latest Answer: After this announcement, the Shares of the company declined Rs 2.55, to settle at Rs 277.70. The total volume of shares traded was 73,078 at the BSE on Monday, dated 20th July,2015.
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Mumbai Real estate News Real estate News in Mumbai
RBI cuts repo rate by 25 basis points
Q: Could RBI's rate cut revive the home sales?

rbi
repo rate cut
repo rates
rbi policy
rbi rate cut
lower rates for home loan
rbi cuts repo rates
reserve bank governer
raghuram ranjan
Latest Answer: @Abhi, Manoj Gaur, MD, Gaursons India Ltd told that with this move, stakeholders are now expecting the sales to improve as more potential customers will think of buying homes as the interest rates will be reduced. With weakening rupee and core sector index shrinking to 0.4% in the month of April, this move by RBI shows aggressive decision making which will be very crucial for the upcoming months.
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Mumbai Real estate News Real estate News in Mumbai
Cheers for borrowers as lending rates fall at last!
Q: Right after the RBI's decision to keep the repo rates unaffected, 3 ace Indian Banks, which include the State Bank of India, ICICI and HDFC, leaders in the private sector, have cut their base lending rates.

home loan
rbi
repo rate cut
repo rate
banks cut lending rates
emis to fall as sbi cuts lending rate
new emi rates
lending rates fall
Latest Answer: Earlier, this year, there is a significantly rate cuts (twice) by the bank effect the realty market as sales in Pune have settled down over the last 3 qtrs, and the most strength being seen mainly in the budget homes segment. This clearly indicates that the market is manipulated towards budget homes, and reduction in interest rates is a critical factor in affordability. I expect to have sales momentum to start lifting clearly, and also believe that more rate cuts will follow on the heels of the stronger economic signals being felt in the country.
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Mumbai Real estate News Real estate News in Mumbai
RBI's rate cut may encourage housing demand in Mumbai.
Q: Hey, Have you heard about the RBI's second rate cut?

real estate
interest rate
housing loan
real estate mumbai
rbi
real estate news
rbi repo rates
repo rate cut
rbi policy
rbi rate cut
rbi governor raghuram rajan
lending rates
housing demand in mumbai
low interest rates
indian banks association
iba
rbi base rate
icici bank
chanda kochhar
yes bank
bank of maharashtra
Latest Answer: @Shantanu, For the moment, bankers across the board welcomed the rate cut move, which comes within days of the Budget'15 and an agreement being reached between RBI and the government over inflation targeting. Private sector lender Yes Bank's Rana Kapoor said he expects cuts of 1.50% more this fiscal which will help boost the sentiment and re-ignite investments. Similarly, Bank of Maharashtra's Executive Director R K Gupta said the rate cut shows the central bank's comfort about the quality of fiscal consolidation and is positive for growth.
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Mumbai Real estate News Real estate News in Mumbai
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