Unlock Real Estate Wealth: 4 Friends, 1 Plan smart investment in Real estate Hyderabad

🧱 Step-by-Step Plan

1. Form a Legal Entity (Optional but Recommended)

To simplify ownership and legal clarity:

• Option A: Co-own as Individuals – Each person appears as co-owner in sale deed and co-borrower in the loan.

• Option B: Register a Partnership/LLP/Private Ltd – The entity owns the property. The group contributes capital or personal loan to the entity.

Tip: Start with Option A for a first investment unless you're building a long-term portfolio.

💰 2. Combine Loan Eligibility

Each friend can typically get ₹50–80 Lakhs loan (depending on income, age, credit score). So together:

• Loan power = ₹2–3 Cr

• Add your down payment (20–30%) — say ₹50 Lakhs total.

• Total budget = ₹2.5–3.5 Cr

🏢 3. What You Can Buy in Hyderabad for ₹2.5–3.5 Cr

• Under-construction 2–3 apartments in promising areas like:

  • Mokila, Kolluru, Pati, Bachupally (mid to premium)

  • Kompally, Tukkuguda, Patencheru (affordable)

  • Or 1 premium 3BHK in a high-growth zone - Kokapet, Financial District

  • Or invest in a builder floor / small standalone building with 3–5 units for rental income + resale later

📈 4. Strategy Options

• Buy & Hold (Rental Income) - Rent out to families or professionals for 3–4% rental yield, 8–12% appreciation

• Flip (Buy Under-Construction, Sell at Possession) - Book early, sell before registration for 20–30% ROI in 18–36 months

🏦 5. Loan Structuring

• Co-borrower Loan: All 4 friends become co-borrowers and co-owners. EMI responsibility is shared.

• Legal Agreement: A MoU or partnership agreement defining:

  • Who pays how much

  • What happens if one wants to exit

  • Exit strategy, rental share, etc.

⚖️ 6. Legal & Tax Tips

• Create a notarised agreement or registered partnership deed

• Decide exit options clearly (buyout, resale, etc.)

• Rental income will be taxed as per individual share

• Capital gains tax applies on sale – plan for minimum 2 years holding to avail LTCG benefit (20% tax with indexation)

🚀 7. Bonus Tip: Invest in Pre-Launch Projects

You can negotiate

• Lower price per sq.ft.

• Flexible payment plans

• Exclusive units with higher resale value