Rajatheertha Construction & Real Estate News Blog

Home Appraisal for Buyers in 2026: What It Costs, How It Works and What to Do When the Value Comes in Low United States | October 26, 2026 You find a house you love. The seller accepts your offer of $450,000, and your mortgage lender begins processing the loan. Your inspection goes reasonably well. You have the down payment ready, and you expect to close on schedule. Then the lender calls. The appraiser values the property at $420,000. That is $30,000 below the agreed purchase price. Does this mean the sale must be cancelled? Does the buyer need to pay the entire $30,000 difference in extra cash? Can the seller be asked to lower the price? And can an appraisal be challenged if the report contains errors? A low appraisal is one of the most important financial surprises a homebuyer can face. It can change the loan amount, available cash, mortgage insurance requirement and closing timeline. In the United States, home appraisals are an important part of the mortgage underwriting process be...

Property Valuation Report in India 2026: Cost, Authorised Valuers, Bank Loans and How to Read It India | October 24, 2026 A homeowner in Hyderabad wants to sell an apartment. The seller expects ₹85 lakh, but a property broker says similar flats are selling for ₹75 lakh. A prospective buyer applies for a home loan. The bank's valuer assesses the property at ₹72 lakh. Meanwhile, the government's registration value is only ₹58 lakh. Which number is correct? All four figures may have different purposes. The seller's asking price is a proposed transaction amount. A broker's estimate may reflect current marketing experience. The bank's valuation is prepared for lending and security assessment. The government value is a statutory reference for registration and related purposes. A formal property valuation report helps explain what a property may be worth under a defined valuation method, on a particular date and for a particular purpose. However, not every report is suitab...

Guidance Value vs Market Value in Telangana 2026: How to Check Property Rates and Avoid Overpaying Telangana | October 21, 2026 A buyer finds a residential plot in Hyderabad priced at ₹65 lakh. The seller says its government value is only ₹45 lakh. A few days later, another person offers a similar plot for ₹70 lakh and claims that the area's official registration value has increased. Which figure should the buyer trust? The confusion comes from treating government guidance value and actual market selling price as though they were the same thing. They are not. Guidance value is a government-notified valuation reference used for property registration and the assessment of applicable duties. The market price is the amount a willing buyer and seller negotiate for the property under actual transaction conditions. A plot may sell above the government value because of location, road frontage or demand. It may also sell below the notified value because of weak demand, poor access, legal ...