Prev Post
Zepto's "10-Minute Land" Offer: A Blend of Real Estate and Fast Commerce
As our world becomes more and more dominated by glass towers and concrete jungles, the bond between people and the earth beneath their feet is breaking. Our skyscrapers become taller every year, but they tend to do so at the expense of the very ecosystems that support life. By moving further away from natural cycles—light, wind, rain, earth—we unknowingly construct environments that suck energy and well-being. It's here that climate-responsive design comes into play, not as a design ethic, but as a responsibility to the planet and to ourselves.
Climate-responsive design, in essence, is about designing buildings with nature, not against it. It understands that architecture is not independent of the environment—architecture breathes, casts shadows, and responds to the climate. By observing the paths of the sun, prevailing winds, rain conditions, and available local materials, architects can design buildings that respond naturally to the climate. Such sensitivity lessens the need for artificial systems to heat, cool, and illuminate, thus reducing energy consumption and carbon emissions.
The strategy is not novel; it finds its roots in conventional buildings that long ago developed organically from the weather. Thick Rajasthani mud walls kept homes cool during the sweltering summer months, while south-facing Kerala roofs with sloped designs easily handled monsoon rains. These conventional treatments showed environmental intelligence long before the word "sustainability" was created. By integrating those lessons with contemporary technology, we can now design spaces that are resilient, effective, and restorative.
In and of itself, climate-responsive design is rewarding. Fresh air, green views, and natural daylight all improve mental and physical well-being. People can re-establish a connection with nature even in urban areas thanks to buildings that breathe and adapt, which enhances the sense of natural cycles.
Lowered energy use relieves strain on grids, neighbourhood water supplies remain filled, and urban heat islands can be reduced by vegetation and reflective surfaces.
At its core, climate-responsive design is more than an architectural fad—it's a path to a harmonious way of being. It pushes us to reevaluate how we use space, building more as partners with the earth and less as conquerors. Design's future lies in learning to live gracefully within nature's constraints rather than trying to control it.
When you are planning to buy a property or land, you may need a loan to help you with the payment. There are two types of loans you can choose from: a home loan and a land loan. While both can help you buy property, they are different in certain ways. Let’s explore these differences and similarities in simple terms.
Similarities Between Home Loan and Land Loan
- Approval Process: The way lenders check your eligibility is the same for both home loans and land loans. They will check your income, credit score, and other factors before they approve the loan.
- EMI Options: For both home and land loans, EMIS applicable. You can also apply for a co-applicant if needed, and the rules for this are similar for both types of loans.
Differences Between Home Loans and Land Loans
1.Purpose and Location:
- Home Loan: This loan is for buying a ready-to-move-in property, a property under construction, or one that you plan to build yourself.
- Land Loan : This one is for the purchase of a plot of land, which will be used strictly for residential purposes.
2.Loan-to-Value Ratio (LTV):
Home Loan: You can get up to 75-90% of the value of the property. So, you pay just 10-25% in a down payment for the property.
Land Loan The maximum loan will be 75-80% of the land's value. Hence, one needs a bigger down payment, at least 20-25%.
3.Loan Tenure:
Home Loan: A home loan is paid out over a very long-time period, normally up to 30 years.
Land Loan: The repayment period of the land loan is up to 15 years, as the repayment period for the loan is quite short.
Tax benefits:
Home Loan: Tax benefit is available on the interest as well as principal repayment of a home loan.
Land Loan: No tax benefits can be availed with the land loan. But if you build a house on that land after getting some construction loan then tax benefits can be availed on that construction loan.
|
Aspect |
Home Loan |
Land Loan |
|
Purpose |
Ready property, under-construction, or self-built homes |
Plot of land for residential use |
|
Loan-to-Value Ratio |
75-90% |
75-80% |
|
Loan Tenure |
Up to 30 years |
Up to 15 years |
|
Tax Benefits |
Available on principal and interest payments |
Only available on construction loan |
|
Approval Process |
Same for both types of loans |
Same for both types of loans |
|
EMI Options |
Same for both types of loans |
Same for both types of loans |
Before you buy a piece of land in Maharashtra, it is pretty important that you ensure its title is clear. This process keeps away the legal issues. Here's how you can investigate a land title in simple steps.
Title Search
Go to the land registry in that area to obtain information about its history. Find the records that state the previous owners and loans or claims on the property by showing the 7/12 extract.
Abstract of Title
An abstract of the title would give you a summary of the legal history, reflecting the change in ownership and the issues relating to the property.
Property Deeds
Check the property deeds to ensure who owns the land today. Also, these records will outline any restrictions, such as who may use the land.
Measure the Land
Hire a surveyor to survey the land. This will help one to know what actually is the boundary of that land and where the neighbors are using parts of the land.
Search Court Records
Look up court records to see if the property is involved in any lawsuits. For example, there could be a question over who owns the land.
Tax Records
Verify property taxes and that there are not other issues, like unpaid taxes or tax liens that have not been discharged.
Local Laws
Look into local zoning laws that may be able to keep you from doing certain things on the land. Some areas will not allow building or any kind of development.
Talk to Neighbors
Talk to people living nearby to know the history of the land. They might be aware of problems like boundary disputes.
Hire Legal Help
Always take the services of an attorney or a land expert like Genuine Plots, who will guide you appropriately as you analyze this land.
By taking these measures, you will have all the information concerning the title of this property and will not have any issues concerning the title in the future.
7 Essential Documents You Need When Buying Commercial Property in India
It is quite thrilling to ride in commercial real estate, and as such, it's very important that you get the paperwork right so that the transaction goes through; below is a quick guide to the seven key documents you will need when purchasing commercial property in India:
Title Deed This is the golden ticket. What it does is confirm ownership by a seller and prove that the property is free from any form of lawful and legitimate disputes; thus, it forms a cornerstone of your purchase.
Sales Agreement It can be said to be that document acting as your roadmap. The sale agreement provides an indication of all the terms regarding the sale, that is, the price and time frame when the payment should be made, both parties getting to the same page.
Not missing the registration process: Registration of property should be done with the sub-registrar of the local authority. You will need to pay stamp duty and registration fees, of course!
Encumbrance Certificate: An encumbrance certificate is your safeguard for various reasons. An encumbrance certificate states that there are no legal liabilities or outstanding dues against the property.
No Objection Certificates (NOCs): Depending upon the type of property, you would need a set of diversified NOCs from local authorities. NOCs merely confirm that there are no legal matters or objections towards the property.
Building Approval Plan: You would be planning any kind of renovation. Well, if that's indeed the case, you will require a building approval plan from the local municipalities to ascertain that the modifications done are within the zoning laws and regulations.
Tax Receipts: Let Your Records Keep Tidy! Up-to-date property tax receipts are important documentation to ensure that there are no pending dues in relation to the property and that it is free from hassles.
Incorporation of such important papers in your purchase will make the transaction smooth as well as a prudent investor. To ascertain that the purchase has been successful, you can employ real estate experts or the legal counsel of Genuine Plots to guide you through the papers.
When it comes to property transactions, several factors need to be considered; each comes with specific rules and paperwork. Here's a simple guide to help you understand them:
Types of Property Transactions
Sale Deed
A sale deed is a document that records a property's ownership.It proves the buyer owns the property and has legal rights to it. The property should be free from legal disputes or issues.
Gift Deed
A gift deed transfers property ownership as a gift, with no money involved. The recipient becomes the owner, and the giver gives up all rights to the property. The giver must own the property and must give it voluntarily, without pressure.
Mortgage Deed
It is used when a property is provided as security for a loan. The borrower must own the property and agree to the mortgage terms.
Rights and Responsibilities of Buyers and Sellers
Buyers
Rights: Buyers have the right to know the property details, which include clear titles and accurate condition details. They also have the right to know the legal status of the property and its registration under their name.
Responsibilities: The buyers are responsible for verifying the seller's ownership and legal status of the property.
Sellers
Rights:
Sellers are entitled to receive the agreed payment for the property and can expect the buyer to meet their responsibilities as outlined in the sale deed.
Responsibilities
Sellers are responsible for providing accurate information about the property, including disclosing any encumbrances, ensuring a clear title, and coordinating with buyers on registration requirements.
For more insights and updates, follow us to stay informed and ahead in your property journey.
How to Get an Encumbrance Certificate (EC) in Maharashtra: A Simple Guide
 in Maharashtra A Simple Guide.png)
If you need an Encumbrance Certificate (EC) for a property in Maharashtra, here’s a simple step-by-step guide to help you:
Steps to Get an EC in Maharashtra
- Visit the Sub Registrar's Office:
- Go to your local Sub Registrar's office. This is where you will apply for the EC.
- Get the Application Form:
- Ask for Form 22, which is the application form for the EC. You can get this form at the Sub Registrar office.
- Fill Out the Form:
- Complete the form with all the required details about the property and yourself.
- Submit the Form:
- Submit the filled form along with:
- Non-judicial stamp paper
- Required documents
- The reason for needing the EC
- Pay the Fees:
- Pay the fees for the EC as mentioned at the time of submission. The fee depends on where you apply.
- Receive an Acknowledgement Receipt:
- After submission, you will get an acknowledgment receipt with an ID number. Keep this receipt safe as it is proof of your application.
Documents You Need
To apply for an EC, you will need the following documents:
- Proof of your residence
- Identity cards like Aadhaar, PAN card, and ration card
- Address and details of the property
- Copy of the sales deed (any deed related to the land, whether recent or old)
- Purpose of the EC request
- Period for which you need the EC
- Copy of the power of attorney if someone else is applying on your behalf
Eligibility Criteria
To apply for an EC in Maharashtra, you should meet these conditions:
- You must own the land or property for which you are applying.
- If someone else is applying on your behalf, they must hold a valid power of attorney.
Important Notes
- Processing Time: The EC usually takes between 15 to 30 days to be issued after you apply.
- Language: The EC is issued in the regional language. If you need it in English, there will be an extra fee for translation.
You can obtain your Encumbrance Certificate easily by following these steps
Recent Posts
Tags
Bhunaksha,
genuine plots,
Land For Sale,
Maharashtra Bhunaksha,
plots for sale,
Gunthewari,
Gunthewari Land,
Gunthewari Rules,
Extract Documents,
Plots and Lands,
Saat Baara,
Extract Saat,
Baara Utara,
Jamabandi,
property tax payments,
Gram Panchayat,
lower prices,
non-agricultural land,
Lower Investment Cost,
Gram Panchayat lands,
Fresh Land Settlements,
Growing demand,
affordable homes,
genuine p,
legal Land,
bungalow plots,
Konkan,
Maharashtra,
Purandar,
Pune,
Karnataka,
Bangalore,
Farm Land,
Kolkata,
Rajarhat,
Indore,
Chhatrapati Sambhajinagar,
Aurangabad,
Mundhwa,
Agricultural Land,
Farmhouse Plot,
Rules And Penalties,
Residential Plots,
NA PLots,
Residential NA Plots,
Commercial NA Plots,
Animal Husbandry Land,
Tathawade,
Vahivat Land Maps,
Vahivat,
Indian Land Records,
Ownership Rights,
Red zone,
PCMC,
Dehu Road,
Land Registration Rules,
Land Investing,
Infrastructure Growth,
Land Ownership,
Land Encroachment,
Panshet Dam,
Varasgaon Dam,
Verified Land,
Plot For Sale,
Land Investment,
Verified Plots,
Land Acquisiton,
Hydrological Survey,
Invest In Land,
Verified Land Plots,
Panshet,
Khadakwasla,
Land Rules,
Dakhil Kharij,
Land Registry,
Property Onwership,
Clean Title Check List,
Property Verification,
Digital Registry,
Farm Plots,
Agro Property,
Land Value Growth,
Urban Expansion,
Senapati Bapat Road,
Registered Land,
Agricultral Plot,
Purandar Airport,
Safe Investment,
Secure Property,
Plot Buyers,
Approved Plots,
Land ROI,
NA Approved Plots,
NA Land,
Welspun One,
Logistic Park,
Talegaon,
PMC Bharat Mandapam,
Urban Development,
Lohgaon,
Close To Nature,
Gated Community Plots,
Buy Land VS Gold Investment,
NRI Investment,
Future Ready Living,
Trusted Plots,
Plot Investment,
Authentic Land,
Safe Land Buying,
Mumbai,
Premium Plots,
MMR Land Investment,
MMR Infrastructure,
Metro Connectivity,
Plots in Mahabaleshwar hill station investment,
Mahabaleshwar land prices and future growth,
Scenic residential plots in Mahabaleshwar,
Mumbai 3.0,
Mumbai 3.0 vs Mumbai 2.0,
Mumbai property investment,
Real estate investment in Mumbai,
Upcoming residential projects in Mumbai,
CIDCO plot auctions,
CIDCO auction Navi Mumbai,
Upcoming CIDCO plot auctions 2026,
CIDCO land auction dates,
Navi Mumbai plot auctions,
CIDCO plots in Navi Mumbai,
CIDCO plots in Kharghar,
CIDCO plots in Ulwe,
NMIA investment opportunities,
Mumbai 3.0 plotted development,
Mumbai 3.0 real estate,
Plots in Mumbai 3.0,
Land investment in Maharashtra,
Residential plots near Mumbai,
Land appreciation in Mumbai 3.0,
Residential land for sale in Mumbai 3.0,
Altamura NA Plots,
Altamura Nadar City,
NA Plots in Nadar City,
Nadar City Plots,
Plots in Nadar City,
YEIDA plots,
YEIDA plots near Noida Airport,
Noida Airport plots,
Jewar Airport investment,
Yamuna Expressway plots,
YEIDA plot scheme 2026,
Noida Airport real estate,
Zepto,
Zepto effect,
D2C brands India,
Urban consumer trends,
Marketplace evolution,
Urban infrastructure growth,
YEIDA Residential Plot Scheme,
Yamuna Expressway Plot Scheme,
YEIDA Residential Plots,
Yamuna Expressway Authority,
Noida Investment,
Residential Plots in Lucknow,
LDA Plots in Lucknow,
Lucknow Real Estate,
LDA Approved Plots,
Plots for Sale in Lucknow,
Lucknow Property Investment,
Land Investment in Lucknow,
Residential Land in Lucknow,
Buy Plot in Lucknow,
Lucknow Development Authority,
Maharashtra Fragmentation Law 2025,
Fragmentation Act Maharashtra,
Maharashtra land law update 2025,
Maharashtra land reforms 2025,
Land subdivision rules Maharashtra,
Maharashtra agriculture land purchase rules,
Agricultural land purchase restrictions Maharashtra,
Can non-farmers buy agricultural land in Maharashtra,
NA conversion process Maharashtra,
Collector permission for land purchase,
farmland prices in Nagpur,
agricultural land price in Nagpur per acre,
farmland cost in Nagpur Maharashtra,
Nagpur agricultural land investment,
per acre agricultural land rate in Nagpur,
Tukdebandi Law Maharashtra,
Maharashtra Fragmentation Act update,
Land subdivision law Maharashtra,
Agricultural land division Maharashtra,
Maharashtra land reform ordinance,
Plot registration Maharashtra,
Farmland prices Nagpur,
Nagpur agricultural land rates,
Farmland per acre Maharashtra,
Agricultural land price Nagpur,
Farm land cost Nagpur,
Nagpur real estate trends,
Land investment Nagpur,
Avani Farms,
Avani Farms Pune,
Farmland near Pune,
Farm plots for sale,
Agricultural land investment,
Gated farmland near Pune,
NRI agricultural land rules India,
Can NRI buy agricultural land in India,
FEMA rules for NRI property purchase,
RBI guidelines for NRI land investment,
NRI farmland investment India,
Agricultural land purchase by NRI,
Maharashtra Fragmentation Act,
Minimum plot size in Maharashtra,
Guntha rules Maharashtra,
Agricultural land division rules,
Minimum land area for sale in Maharashtra,
Legal plot size in guntha,
Guntha conversion rules,
NRI land purchase in India,
Can NRIs buy agricultural land in India,
NRI property investment India,
NRI buying residential land,
NRI real estate guidelines India,
Investment tips for NRIs in India,
Mutation Entry Process,
Land Mutation in India,
Property Mutation Process,
Land Ownership Transfer,
1 guntha na plot prices in pune 2026,
1 guntha plot price in pune,
na plots in pune,
residential na plots pune,
guntha plot rate in pune,
na plot investment in pune,
plots near purandar airport,
1 Acre Land Price in Pune,
Pune Land Rates 2025,
Pune Land Price 2026,
Pune Acre Land Cost,
Land Value Pune,
Agricultural Land Price Pune,
gated community plots in Hinjewadi,
Hinjewadi plots for sale,
residential plots in Hinjewadi Pune,
premium plots in Hinjewadi,
plots near Rajiv Gandhi Infotech Park,
land for sale in Hinjewadi Pune,
Pune property investment,
plots for sale in Pune below 5 lakhs,
Pune rural land investment,
gated plotting projects Pune,
MIDC growth corridor plots,
Residential plots for sale in Hinjewadi,
Plots in Hinjewadi Pune,
Land for sale in Hinjewadi,
Residential NA plots Hinjewadi,
Hinjewadi real estate trends 2026,
Nashik land investment,
Trimbakeshwar land for sale,
Simhastha Kumbh 2026,
Simhastha Kumbh 2027 real estate impact,
Trimbakeshwar property investment,
Land appreciation in Nashik,
plots for sale in pune,
types of plots in pune,
residential plots in pune,
agricultural land in pune,
villa plots in pune,
NRI agricultural land purchase India,
NRI property investment in India,
Agricultural land rules for NRIs,
NRI real estate investment India,
NA plot meaning,
what is NA land,
NA land in Maharashtra,
land investment guide,
NRI agricultural land in Telangana,
Telangana land laws for NRI,
Telangana real estate laws,
NRI investment guide Telangana,
Legal compliance for NRI property,
NRI farmhouse purchase India,
RBI guidelines for NRI property,
NRI land buying rules,
Godham Eco Village,
Godham Eco Village for NRIs,
NRI land investment in India,
Investment plots for NRIs,
Secure land investment India,
NRI property buying guide,
plots in Pune,
NRI buying property in India,
NRI guide to buying land in Pune,
NRI land investment in Pune,
NRI property documents checklist,
Maharashtra land reform 2025,
Maharashtra land laws update,
Agricultural land rules in Maharashtra,
Buying agricultural land in Maharashtra,
Non-agricultural land conversion Maharashtra,
Maharashtra agricultural land rules 2024,
agricultural land purchase in Maharashtra,
non agriculturist land purchase rules,
who can buy agricultural land in Maharashtra,
Maharashtra land laws for non farmers,
Guntha based land rules,
Minimum guntha rule Maharashtra,
Maharashtra land laws,
Maharashtra agricultural land laws,
farmland investment Maharashtra,
buying farmland legally in Maharashtra,
NA conversion rules Maharashtra,
agricultural land eligibility criteria,
Property Mutation in India,
Land Record Update,
Revenue Records,
Property Ownership Transfer,
Mutation of Property,
Farmhouse Plots Near Pune,
NRI Investment in Pune,
Pune Real Estate,
Plots for Sale Near Pune,
Luxury Farmhouse Plots,
Pune plot scams,
Plot buying checklist,
Legal verification for plots,
NA plot verification,
Plot buying tips Pune,
Godrej Properties,
Evora Estate Panipat,
Luxury plots in Panipat,
Premium land investment,
Residential plots in Panipat,
Lodha Developers,
Lodha Developers Q3 acquisition,
Lodha land parcels Q3,
Indian real estate news,
New residential projects India,
Real estate investment news,
Premium housing projects,
Srijan Group,
Kolkata Tech Park,
Commercial Real Estate,
Real Estate Investment,
Real Estate Deal News,
NRI investment in India,
NRI land investment,
Plots for sale in India,
NRI property investment,
Can NRI buy residential plot in India,
NRI land purchase rules,
Residential plots for NRIs,
NRI real estate investment,
NRIs buying property in India,
Can NRIs buy plots in India 2026,
RBI rules for NRI property purchase,
NRI land investment rules,
MMR 3.0,
MMR real estate 2026,
Mumbai real estate market,
Navi Mumbai investment,
Thane property market,
Mumbai property trends 2026,
Land investment in MMR,
Mumbai smart city project,
Korea Mumbai partnership,
MMRDA infrastructure projects,
Korean investment in India,
MMR GDP growth,
MMR economic roadmap 2030,
Mumbai real estate,
Public private partnership projects Mumbai,
Investment opportunities in MMR,
Mumbai Metropolitan Region,
Mumbai urban development,
MMR 2047 vision,
Mumbai infrastructure projects,
Navi Mumbai development,
Goa property investment,
Invest in Goa 2026,
Goa real estate market 2026,
Best places to invest in Goa,
North Goa property,
Property appreciation in Goa,
Goa plots for sale,
Commercial property in Goa,
Buy property in Goa,
YEIDA plots 2026,
Residential plots in YEIDA,
YEIDA new scheme update,
Plots near Noida International Airport,
Yamuna Expressway Authority plots,
YEIDA housing scheme details,
Lucknow land investment,
Property in Lucknow,
Buy plots in Lucknow,
Nashik plots for sale,
Kumbh Mela 2026 Nashik,
Land investment in Nashik,
Nashik property market 2026,
Plots near Kumbh Mela Nashik,
Residential plots in Nashik,
Upcoming projects in Nashik,
Property appreciation in Nashik,
Maharashtra land investment,
Nashik Kumbh Mela 2026,
Kumbh Mela investment opportunities,
Infrastructure development in Nashik,
Plots near Nashik Kumbh Mela,
High ROI land investment,
MIHAN,
MIHAN Nagpur,
Nagpur Real Estate,
Agricultural Land Nagpur,
Nagpur Property,
Plots Near In MIHAN,
Pune residential plots,
best areas to buy plots in Pune,
Pune land investment,
investment plots in Pune,
buy land in Pune,
real estate investment in Pune,
Godrej Plots Doddaballapur,
Doddaballapur plots for sale,
Plots in North Bangalore,
Godrej Properties plots,
Residential plots in Doddaballapur,
Investment plots near Bangalore,
Gated community plots Bangalore,
Premium plots in Doddaballapur,
plots in Mahabaleshwar,
Mahabaleshwar villa plots,
farmhouse plots in Mahabaleshwar,
land for sale in Mahabaleshwar,
bungalow plots in Mahabaleshwar,
hill station property investment,
agricultural land in Mahabaleshwar,
premium land in Mahabaleshwar,
Plots in Pune under 3 lakhs for sale,
Budget residential plots near Pune,
Low cost plots near Pune highway connectivity,
plots in Pune under 3 lakhs,
farmland plots near Pune city,
Investment plots near Pune under budget,
Residential land near Pune,
Godrej plots in Pune,
Premium plotted development by Godrej in Pune,
Residential land for sale by Godrej,
Premium plot by Godrej,
Plots for sale in Hadapsar Pune,
Residential plots in Hadapsar,
Investment plots in Hadapsar,
Gated community plots in Hadapsar,
Ready to build plots in Hadapsar,
1 Guntha plot in Pune,
1 Guntha plot in Pune for sale,
1 Guntha plots near Pune city,
Residential 1 Guntha land in Pune,
Clear title 1 Guntha plot in Pune,
1 guntha plot price in village,
village plot rate per guntha,
affordable 1 guntha land in rural area,
residential plot in village Pune,
farmland plot price per guntha,
Residential 1 Guntha plot near Pune city,
Investment plots in Pune 1 Guntha,
Clear title 1 Guntha land in Pune,
Agricultural 1 Guntha plot near Pune,
1 Guntha plot in Pune Katraj for sale,
Residential plot in Katraj Pune 1 Guntha,
Katraj Pune land for home construction,
1 Guntha NA plot in Katraj Pune,
Pune Katraj plot near highway connectivity,
Gated plot project in Katraj Pune,
NA plots in Pune under 10 lakhs,
Affordable NA plots near Pune city,
NA residential plots in Pune,
NA approved plots in Pune under 10 lakhs,
Investment plots in Pune under 10 lakhs,
Residential NA plots near Pune highway,
Best plots in Pune below 10 lakhs,
Premium villa plots in Pune,
Residential villa plots in Pune near city outskirts,
Luxury villa plots in Pune,
Gated villa plot project in Pune,
Villa plot site visit in Pune,
NA plots in Pimpri Chinchwad for sale,
Residential NA plots in PCMC area,
NA approved plots in Pimpri Chinchwad,
NA land with clear title in PCMC,
NA plots near Pune Mumbai Highway PCMC,
