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10:90 Payment Plan or The Subvention Plan: All you Need to Know
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- เผยแพร่เมื่อ 30 มี.ค. 2023
- Subvention scheme in real estate is the most popular payment plan for promoting under construction flats. Subvention scheme are basically buy now pay later payment plans in real estate which were created to promote real estate investing and led to growth and subsequent down fall of real estate in India. In 2019, RBI put a ban on subvention scheme in real estate, inspite of this ban developers are still marketing subvention schemes such as 10:90 payment plan, 20:80 payment plan and many more. In this video, I will discuss what is subvention scheme in real estate and is it really a scheme or a scam just to attract first time home buyer.
In this video, I will discuss
1. What is subvention scheme
2. Understand subvention scheme
3. How does subvention scheme in real estate works
4. What are the different types of subvention plan such as 10:90 payment plan, 20:80 payment plan and many more
5. Why was subvention scheme created
6. How subvention scheme impacted real estate investing and created new category of real estate investor
7. Why was subvention scheme in real estate banned by RBI
8. Different types of subvention schemes
9. Bank Subvention
10. Interest subvention scheme
11. Builder subvention scheme
12. Why developers use subvention scheme
Advice for first time home buyer
About This Channel
Objective of this channel is to help young Indian know the unknown about buying a property in India
My mission is to educate young Indians about property buying process, starting from
1. How to find & buy your first house
2. How to invest in Indian real estate and make passive income
3. How to create wealth from real estate
4. Learnings for property buyers from real estate case studies
Who Am I?
A Realtor, Entrepreneur, Investor & Educator
I have worked with top developers of the country, have been an entrepreneur into Proptech space & a real estate investor for last 14 years
I want to share what I have learned to help you make a better informed decision based on awareness
You can reach me
Email: info@flatsandkeys.com
Whats app no: 9625111400
#10:90paymentplan #subventionscheme #realestateindia #trending
Mark my words, this channel will have millions of subscribers soon due to its High-quality content!
Thank you so much !
Fantastic
Such an underrated channel to know the nuances that of real estate. I may buy real estate in this decade but having knowledge is also important for such a costly purchase of your life.
Thank you so much ! happy to share my experience
Superb explanation, u made it so simple to understand the concept with all areas of concerns covered in simple words. Thank you so much for the video.👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻 keep up the good work and keep sharing ur knowledge
Thank you. Glad it was helpful!
It was good informative video. Why the banks are giving loan to home buyers under subvention scheme if RBI has disallowed it.
Highly informative. Your all videos are too good.
After watching this video, my mind forced me to subscribe this channel. Mark my words, the future of this channel is super bright and it’ll happen very very soon!
Thank you so much for your kind words and wishes 🙏🏻
Very concise and informative. Your effort is invaluable. It would help many buyers in taking proper decisions and protect themselves from scams.
Very good details provided. Every buyer with the help of this video will sure not get fooled by the developer
Very much informative.. Thank you for sharing your knowledge.
Glad it was helpful!
Another risk, if interest rate increases, the builder may not re-negotiate the price in case of reimbursement method
Such an informative video. Really good job sir.
Thank you so much sir for valuable insights about subvention plan
Thank you for your informative video 👍
Great info… I wish you have explained everybody that builders subversion is the best way to go about it because in that case the risk is lower and builders, obviously confident because otherwise he will lose money so if that option is offered that means, doesn’t matter if builder has good reputation or not,. I think you knew that and but you didn’t mention it specifically that this is the best method and safe method to go about it so I thought I just put it out, Let me know if you think differently.
What are your thoughts about SmartWorld from Gurgaon? Would it have any impact of whats going on with M3M case? Also, the 10:90 subvention plan SmartWorld offered is a bank subvention with ICICI, how come after RBI ban ICICI is providing this plan, where the builder is paying the interest to bank in the first payment only?
You make the video very understanding. It's highly helpful.
Thanks
Glad it was helpful!
Superb explanation!! Is it mandatory to process the loan with the bank with this 10:90 plan. I mean suppose I booked a flat with the developer by paying 10%, the rest need to do bank funding or can pay directly after possession. I need to avoid the bank loan and want to pay during possession
That's Builder subvention, check this video from 9min...you can do that but very less reputed builders give...it's good to take but usually the price is 10% higher to a normal CPL or bank subvention
If Kotle Patil like developer is giving this scheme to NRI client, should we opt for it ?
Your delivery and classification is commendable.
Bhai you are doing a great work 👏👏
Good explanation
Thank you so much
Bhardwaj ji I watched 6 of your videos today! Great job!
Thank you !
Thank you so much for explaining this in such an easy manner.
Very nice video and content. This will help many home buyers. Thank you Sir. Please make more videos, so people will be aware of such plans.
great content
Very helpful videos as concerned subvention plan really you made very hard wok
Tnx
Very much helpful video it was sir…salute ur doing good job sir
really really insightful! Keep it up
Bohat acche se samjhaya apne 🎉
Excellent explanation... Thanks a lot bro...
Precised info.. Ure a good speaker 👍
Amazing video.. very well explained.. thanks
Glad you liked it
Excellent.. very useful information..
Exceptional, unbiased content
Thanks !
Great information.very knowledgeable.
How about developer builder under construction launching time asking for 15%+ registration and stamp duty. And demanding as per level of construction. Its not subvention. Instalment wise and need to pay for 4 years. By reputed builder
Sir agar oc nhi aaya hoga tobhi 100% payment karna chahiye .
Under construction flat after position
One more thing. Reimbursement Subvention plans are not good for resellers. It is difficult to find a buyer when there is full loan compared to builder subvention
A Few chennel like this one for reality market.. keep it up..
Thank you !
How to check with banks if the builder is paying the monthly interest ?
Very well explained, thank you 🙂
M3M Mansion, golf hills is one such product.
Very good analysis of sub vention plan
I started watching your videos level is very good
Thank you !
Very well explained.
Properly explained!!
Very helpful
I have booked a floor in smart world sec 89 in gurgaon under subvention 10:80 scheme,now I want to know how can I exist?
Same here, do let me know once you have the ans
Same case, for onedxp.
Any update for u guys??
Pls do provide me ur details so that I can connect with u, i have also purchased the property here
Tell us more about redeveloper project
Very nice information
Best explanation 👌
Builder ke financial credential kase check kare??
Maine abhi subvention plan me book Kiya hai
Sahi hai ya galat
Very useful
Thanks a lot
Very well explained....
Sir , how come M3M like brand is still continuing with such plans. what is the reason? Can you share some light on this?
M3M is launching subvention in the past years. It is fine if the market n company is good but if something falls. Buyer will suffer.
After a fixed period liability is on the buyer. No liability on bank or builder.
Great information
Do the 10% will include the SDR charges under 10:90 plan
Very nice video
Very good information
बहुत बढ़िया सर
Good knowledge given sir.
Thank you
I am buying property with 5-90-5 plan. Here, building is giving written they will pay interest every month till possession. Is it safe ? please reply asap
Very informative, could you also make some informative on investment in commercial real estate
Will surely cover commercial real estate very soon
Very good analysis
Thank you
How to evaluate the credentials and financial conditions of builder before buying the flat
Will make a video on same very soon !
Excellent content 😍
Sir mene koi flat liya tha 2019 me liya tha subvention ke under.and pay to me pre emi intrest last 2years.abhi possesion nahi mila he to me ab full emi start karna chahta hu and bank agree for full emi to kya builder muje full emi ya full emi par jo interest lagega wo dega after full emi start.
❤ acha laga keep going on
Definitely a scam... If the builder tales loan from bank in the buyers name
High quality content!
Thank you!
Good content
Credit card Emi me Maftr subvention amount kya hota hai
Good explanation
When can we sell property which is purchased under sub vention scheme?
It depends on the developers policy. Most developers will have a lock in period till possession or 1 year post possession. If no lock in period then you can sell anytime subject to developers transfer charges.
❤
Sir Nice Content just minimise hand movements. 👍
Thanks for the feedback. Will do !
A cha la ga