Rajatheertha Construction & Real Estate News Blog

Carpet Area vs Built-Up Area vs Super Built-Up Area: How to Calculate the Real Price of a Flat in India India | October 26, 2026 Two builders in Hyderabad advertise three-bedroom apartments. Builder A offers a flat for ₹90 lakh at ₹6,667 per square foot. Builder B quotes a higher price per square foot. At first glance, Builder A appears to offer better value. But the first builder's advertised area is 1,350 square feet of super built-up space, while the apartment's RERA carpet area is only 900 square feet. The buyer is paying ₹90 lakh for a home with 900 square feet of RERA-defined private usable area. That works out to ₹10,000 per carpet square foot. The price has not changed. The area used to calculate the rate has changed. This is one of the most important distinctions to understand before buying an apartment in India. Developers and sales advertisements may refer to carpet area, built-up area, super built-up area, saleable area or chargeable area. These terms do not mean th...

Rent vs Buy in India 2026: A Complete EMI, Down Payment, Opportunity Cost and Break-Even Calculation India | October 20, 2026 A software engineer in Hyderabad is paying ₹25,000 per month to rent an apartment. An equivalent flat in the same neighbourhood is available for ₹80 lakh. A property salesperson argues that paying rent is a waste because the tenant could instead be paying an EMI and eventually own the property. The argument sounds convincing. But the EMI on a ₹64 lakh home loan could be approximately ₹55,541 per month over 20 years at an illustrative 8.5% annual interest rate. The buyer also needs ₹16 lakh as a down payment, plus registration, transaction and other expenses. The renter can keep that initial money invested and potentially invest the monthly difference between renting and owning. Which household will have more wealth after five, ten or twenty years? The answer requires more than comparing ₹25,000 of rent with ₹55,541 of EMI. Rent is a housing expense. An EMI combi...

 Pre-EMI vs Full EMI on Under-Construction Flats: Costs, Risks and Subvention Traps in 2026 India | October 19, 2026 An under-construction apartment often looks more affordable than a ready-to-move home. The initial payment may be smaller, the builder might offer a construction-linked payment schedule, and the buyer gets time to arrange finances before taking possession. But a major financial decision begins long before the apartment is ready: how should the home loan be repaid while construction continues? Two commonly discussed choices are pre-EMI and full EMI. Under a pre-EMI arrangement, the borrower generally pays interest on the amount the lender has actually disbursed. The principal normally remains unchanged until regular repayment begins. With a full-EMI arrangement, repayment includes both interest and principal, potentially reducing the loan balance even before possession. At first glance, the decision may seem straightforward. Pre-EMI requires less money every month, wh...