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string(1585) "[QUOTE=Useless;239195]With rupee depreciation, inflation increases and so does interest rates. And because of them, there can very well be a slowdown or recession and RE crash. And just because of depreciation of the rupee, salaries will not go up in Rupee terms overnight. On the contrary the EMI and daily expenditures will increase. While you may be right over long period of 2-3 years, to benifit from the depreciation we will need to survive during the same period.[/QUOTE]
Absolutely agree with this - YOU HAVE TO SURVIVE THE DOWNTURN!!!!!
RE purchase on EMI consuming half your salary is a strict no-no during inflation - you may not be able to survive on half salary and in a downturn, you might lose your job as well.
But if you have a corpus for allocation into various asset classes, not having RE as an asset class at all is also a no-no. So if you have a crore in cash, booking a flat worth 30L would be a wise decision. Not dong so and staying with FD alone would probably erode value over 5-10 years - whereas your 30L in flat or plot will race ahead of inflation and give some 7-8% over and above inflation (which might average 10% per annum for the forseeable future.
Rent will also start marching up as inflation starts to bite.
RE will actually react only after there is a slowdown, and RBI cuts rate in response. At that time, RE will run away on a tear.
Timing so precisely is difficult in RE purchase. This is a good time to scout around for the best deal and a middle of 2012 purchase, might be the best timing possible.
One should prepare for this"
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string(414) "[B][FONT=Comic Sans MS][SIZE=5][COLOR=green][I][B]Venky[/B][/I][/COLOR][/SIZE][/FONT] (Please read [URL="http://www.indianrealestateforum.com/announcements/t-forum-rules-updated-15th-december-2011-a-6437.html"]FORUM RULES [/URL]watch a [URL="http://www.youtube.com/watch?v=k3MTjLttkbI&feature=player_embedded"]VIDEO[/URL] or [URL="http://www.indianrealestateforum.com/faq.php"]SEARCH FAQs[/URL] before posting)[/B]"
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Originally posted by Useless
View Post
With rupee depreciation, inflation increases and so does interest rates. And because of them, there can very well be a slowdown or recession and RE crash. And just because of depreciation of the rupee, salaries will not go up in Rupee terms overnight. On the contrary the EMI and daily expenditures will increase. While you may be right over long period of 2-3 years, to benifit from the depreciation we will need to survive during the same period.
RE purchase on EMI consuming half your salary is a strict no-no during inflation - you may not be able to survive on half salary and in a downturn, you might lose your job as well.
But if you have a corpus for allocation into various asset classes, not having RE as an asset class at all is also a no-no. So if you have a crore in cash, booking a flat worth 30L would be a wise decision. Not dong so and staying with FD alone would probably erode value over 5-10 years - whereas your 30L in flat or plot will race ahead of inflation and give some 7-8% over and above inflation (which might average 10% per annum for the forseeable future.
Rent will also start marching up as inflation starts to bite.
RE will actually react only after there is a slowdown, and RBI cuts rate in response. At that time, RE will run away on a tear.
Timing so precisely is difficult in RE purchase. This is a good time to scout around for the best deal and a middle of 2012 purchase, might be the best timing possible.
One should prepare for this
Comment