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Overview.

USA has always been the “Number One” study destination for international students and enjoys this position even today. There are multiple factors that make USA the preferred choice for many students. Some of the top reasons why students make this choice are multiple and flexible higher education courses, research opportunities, global diversity, scholarship opportunities, state of the art facilities and cultural diversity. Furthermore, USA is home to more than 4,000 universities and each university offers students a wide variety of courses to choose from. With so much variety, the educational diversity in USA is really high. International students also get to interact with individuals from different parts of the world and learn about different cultures. Furthermore, international students state that studying in USA has helped them grow into independent and confident individuals. In other words, this education has helped them shape their personalities and has given them the strength to face the different challenges of life.

Facts.
  • Other than increased self-confidence, there are various advantages associated with studying in a US University. Some of these are:
  • Excellent academic programs: US degrees are acknowledged across the world for their excellence.
  • Huge variety of higher educational courses: Just as there are multiple universities in USA offering excellent academic training, there are multiple courses to choose as well.
  • State of the art technology and equipment: Almost all American Universities offer state of the art equipment and facilities that may or may not be available in India.
  • A multitude of research, internships and teaching assistantships: Earn while you learn with the help of various research and teaching assistantships that are available in most universities in USA.
  • Global outlook and independent thinking: The ability to think about different perspectives and exposure to a variety of cultures give Indian students studying in USA, an edge over their peers studying in India.
  • A wide variety of student clubs and organizations: Students have the opportunity to join a variety of student clubs and organizations where they can pursue their hobbies and interests.

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The Need To Buy Property
The common dilemma that the consumer at our Open House forum poses is what is the right time to buy? The 'right' time to buy your house is when you feel that you are ready for the responsibility that comes along with buying a house. It is important to consider the objectives of buying a house. Ask yourself why you want that house? What really is the motivating factor when it comes to your decision to buy that house? Do you want to buy it because you want to live in it with your family or do you look for an extra income that the house will bring in the form of rent? Or, are you simply buying it for long-term value leverage? The more you know about why you should buy a home, the more focused your search will be and the better you will be able to select one that meets your requirements.
Shortlisting Your Property
One should buy property in an area which has adequate basic amenities such as power, water, sewerage, etc. It is important to do your checks and balances while deciding on a project. Infrastructure in the area, connectivity, builder's goodwill and price of the property are key components a buyer needs to take into consideration. A buyer should also carefully check points such as the builder's experience, number of projects completed and delivered, banking institutions involved and present buy options available to suit your requirements. It is better you conduct a field survey before identifying a suitable property meeting your budget and location preference.
Choosing The Right Location
When it comes to choosing a location, the consumer looks at connectivity and availability of basic urban and social infrastructure in that area. Big cities have that advantage. Land values are very high in many big cities. When investing in a big city, keep a few things in mind. If you are purchasing for self use, buy in a neighbourhood that has all the conveniences that you require and also has good accessibility to the rest of the city. Even in premium localities, if you keep searching, you will find properties that suit your budget. If you cannot afford the premium rates, look for a locality on the fringes of your area of choice. This will have all the advantages of proximity to the main locality but sport lower price tags. Also, look for property that is being re-developed in city areas. They will be new and come with a maintenancefree period.
How To Choose An Agent
It depends on the property you are buying and who offers it to you. In case the seller is a realtor, it is best to buy through him after doing a background check on his reputation because he would know what legal checks must be made by you before putting the money on the table. In case a seller is an individual he must hire the services of a good lawyer to do a due diligence on title, etc before you write that cheque. This money spent on due diligence may pinch today and seem unnecessary but in the long run you will realize that this is a wise decision.
Tax Implication
If you are buying a new property, you have to pay Service Tax, VAT and Stamp Duty on the total amount of purchase. If you buy re-sale property, then you do not have to pay any of these taxes.
Legal Perspective
Documents required while buying property are Identity Proof like Voters' ID Card, Passport, Driving License, Ration Card and Pan Card. Be careful of the Sale Deed/Agreement and also check that the complete property chain is mentioned in the Deed.
Home Loan
The main criteria are:
  • Your income and your track record of repaying previous loans - this is obtained from the Credit Bureau.
  • Your current expenses including other loans you are servicing. The amount of loan related to the property value.
  • Ownership of the property - this means that the lending bank should be comfortable that the seller has full and complete ownership of the property.
  • Getting a loan depends on the report of the local bank surveyor who will inspect the property and give his recommendation.
Managing Finance
The real estate market is similar to the stock market, with its peaks and troughs always seeming to make perfect sense in retrospect. Also, both markets reflect the economy of the country and offer good investment opportunities. However, the risks must be understood along with the opportunities. Realty index will appreciate five times, but not the stock market.
Return on Investment (ROI)
Do your complete research on the Web and physical survey of the projects. Invest in projects which are at least 25-30 per cent complete as this will be comfortable in terms of approvals. Brokers may sometime offer better rates than the developer's sales team. Bank approved projects are preferred since they give comfort in terms of the approvals.
Exiting the market
On what basis should I decide to sell my property?

Your decision to sell your property depends on the following factors:

Property market in your city/locality : The residential property market is locationspecific and the prices will vary for different areas.

How soon do you need the money? Do not sell your property in a hurry if you do not need the money urgently. Getting the best deal may require patience or even spend some money to add value to your house. You also need to consider the rental return from the property as it will be a source of steady income.

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