Ravi Kewalramani

What happens when Fin-Fluencer ‪@financewithsharan‬ meets Real-Fluencer?

3 weeks ago (edited) | [YT] | 21

Ravi Kewalramani

Real Estate Cycle lasts for 18 years!!
Stage 1: Recovery, 3-5 years
Stage 2: Expansion (Boom) 5-10 years
Stage 3: Over Supply, 2-4 years
Stage 4: Recession (Slump), 2-5 years
What stage do you think we are in right now?

1 month ago | [YT] | 82

Ravi Kewalramani

1. Rising Interest Rates
Cause:
- If the Reserve Bank of India (RBI) increases the repo rate, banks will raise home loan interest rates.
- Higher EMIs (Equated Monthly Installments) make borrowing expensive, reducing homebuyers’ affordability.

Effect:
- Lower Demand: Fewer buyers enter the market as home loan costs increase.
- Stagnant or Falling Prices: Developers may offer discounts or flexible payment plans to attract buyers.
- Slow Inventory Clearance: Unsold inventory in premium and mid-range housing segments may rise.

2. Oversupply in Certain Segments
Cause:
- Large-scale new project launches, particularly in the luxury and high-end segments, without matching demand.
- Investors/speculators buying multiple properties and later struggling to resell.

Effect:
- Price Correction: Developers may reduce prices or offer incentives (zero GST, stamp duty waivers) to clear excess stock.
- Longer Selling Cycle: Properties may take longer to sell, affecting liquidity for developers and investors.
- Rental Market Impact: More supply means lower rental yields, making real estate investment less attractive.

3. Global Economic Uncertainty
Cause:
- Recession or economic slowdown in key global markets (US, Europe, Middle East) affecting Indian businesses and investors.
- Reduced foreign institutional investments (FII) and NRI demand for Mumbai properties.

Effect:
- Lower Demand from NRIs: Many NRIs invest in Mumbai’s luxury and premium housing; if global conditions worsen, they may delay purchases.
- Stock Market Volatility: If markets fall, domestic investors might liquidate real estate assets to cover losses.
- Slower Commercial Real Estate Growth: Businesses may delay expansion, affecting demand for office spaces.

4. Delays in Infrastructure Projects
Cause:
- Slow execution or funding issues affecting key projects like Mumbai Metro expansion, Mumbai Coastal Road, and Navi Mumbai Airport.
- Bureaucratic delays or land acquisition problems.

Effect:
- Reduced Investment in Emerging Areas: Locations expecting price appreciation due to infrastructure may see stalled demand.
- Buyer Sentiment Impact: Delayed connectivity improvements make certain areas less attractive.
- Developer Challenges: Real estate projects linked to infrastructure growth (e.g., Panvel, Kanjurmarg) may see slow sales.

5. Government Policies & Taxation Changes
Cause:
- Increase in property-related taxes (stamp duty, capital gains tax, or GST on under-construction properties).
- Stricter land acquisition and development regulations.

Effect:
- Higher Transaction Costs: Buyers may delay purchases if overall costs increase.
- Lower Investment Interest: Investors might shift towards REITs or other asset classes if real estate taxes rise.
- Developer Margin Squeeze: Builders may pass on extra costs to buyers, slowing sales.

6. Job Market & Income Growth Slowdown
Cause:
- Layoffs or hiring slowdowns in major employment sectors (IT, finance, startups).
- Inflation reducing real disposable income, making home purchases less affordable.

Effect:
- Fewer First-Time Homebuyers: Young professionals may postpone buying homes due to job uncertainty.
- More Rentals, Fewer Sales: Higher demand for rental housing instead of outright purchases.
- Luxury Market Hit Hardest: Affluent buyers rely on income growth to fund premium property investments.

Final Outlook
While Mumbai’s real estate market remains resilient due to high demand and infrastructure projects, these risks could moderate price appreciation and slow sales in certain segments. Investors and homebuyers should focus on stable locations, reputed developers, and projects with strong connectivity to minimize risk.

1 month ago | [YT] | 163

Ravi Kewalramani

Hey ​⁠Shweta Alhat ‪@shwetaalhat637‬ thank you for being a loyal subscriber. I appreciate your support and kind words 🙏🏼

1 month ago | [YT] | 143

Ravi Kewalramani

Is it fair to call someone who has extreme passion and a ferocious tenacity to achieve their dreams a ‘Workaholic’?

3 months ago | [YT] | 304

Ravi Kewalramani

Want to see how developers who make hundreds of homes for others live themselves? Watch the podcast We also discussed

• Development & Funding Challenges
• ⁠Redevelopment Problems
• ⁠Occupation Certificate
• ⁠Joint Venture Mistakes
• ⁠Working under top brands and a jailed developer.
• ⁠Parthh cross questions me about my social media

4 months ago | [YT] | 35

Ravi Kewalramani

It’s time to learn a new business - Social Media Influencing.

I have been a part of the real estate industry for the better part of almost 2 decades now. I understand the legality. I understand the art of negotiations. I understand what works and what doesn’t. I can sit in front of industry leaders and do a character evaluation, fearlessly if need be.

Content creation on the other hand is new for me. I have been doing it for 4 years now but it still feels like an ever evolving beast. It has become a separate business. A business where people only talk good like it’s an industry of angels. It’s far from it. They have their own demons to deal with. I am a person who has no mask, undertone or even a diplomatic bone under my skin. This industry works in the exact opposite manner. Yet here I’m trying to fit in the faces of popularity. They call me ‘Curt’, ‘Arrogant’, ‘Insenstive’ and some call me ‘@$$0le’

Oh Well, that’s their headache. l keep on chugging and doing what I do best - Giving Value and Truth to my Audience.
➖
In the pic you can see me checking legal documents to protect my company, my team, my legacy. You never know who’s secretly gunning for you.

5 months ago | [YT] | 501

Ravi Kewalramani

Days where I am reminiscing on a property shoot that I would rather be on a beach sipping margarita’s or reading a book by the mountainside. And they say being an entrepreneur gives you freedom 🙄 Oh Well! Hopefully someday soon.
➖
Dedicated to all those under appreciated hardworking entrepreneurs out there 🍻

5 months ago | [YT] | 684

Ravi Kewalramani

Is This Fair?

There is 18% GST applicable on the brokerage commissions on every residential transaction of properties we do. The clients do not get any set off. At times we are forced to absorb the costs. We take the money either from the client or from our own pockets and pay the government.

5 months ago | [YT] | 63

Ravi Kewalramani

You have NEVER seen all of us together. It took just a phone call and all my peers were ready to be a part of this epic podcast. We spoke about government notices, role and responsibilities of influencers, future market predictions, land investment and much more. We spoke unfiltered and straight up, without hesitation, or fear of the consequences. Watch & Listen to the podcast in your daily commute. Hope the audience learns and gets value from the podcast.

Thank you ‪@realestatewithmayank‬ ‪@rafique-merchant‬ ‪@Bhavesh.Kaware‬ to make this happen in such a short notice. I have a lot more brewing in my mind pot that I am itching to ask all of you. Are you guys ready for that?

5 months ago | [YT] | 49