Month: September 2025

Buying a home or property is a dream for many people. But with property prices going up every year, most buyers cannot pay the full amount at once. This is where real estate loans, or home loans, come in. They allow people to buy property now and pay for it over time. 

But the big question is: are real estate loans a smart move or a risky step? To answer this, we look at the views of Someshwar Srivastav, a well-known name in real estate and finance. With years of experience, he has guided many investors and homebuyers on how to make safe and smart property decisions. 

In this blog, we will explain what Someshwar Srivastav thinks about real estate loans, the advantages, the dangers, and how to use loans in the right way. 

Understanding Real Estate Loans 

A real estate loan is money borrowed from a bank or financial institution to buy property. The borrower then pays it back over time in monthly installments (EMIs), with added interest. 

For example, if a flat costs ₹60 lakh and you only have ₹15 lakh, you can take a loan for ₹45 lakh. You then repay the loan over 15–20 years, depending on the agreement. 

Someshwar Srivastav explains that loans make property ownership possible for middle-class families who may not have full cash in hand. But he also warns that loans must be handled with care. 

Why Real Estate Loans Can Be Smart 

According to Someshwar Srivastav, loans are not always bad. In fact, they can be very smart in certain situations. Let’s see why: 

1. Making Dreams Possible

Without loans, many people would never be able to buy property. Loans bridge the gap between savings and the actual cost of the home. 

2. Building an Asset

When you buy a house with a loan, you are not just spending money, you are building an asset. Over time, property prices usually go up. By the time you finish the loan, the property value may have doubled. 

3. Tax Benefits

Home loans also give tax benefits. The interest you pay and the principal amount you repay can help reduce your taxable income. This means savings on tax while building wealth. 

4. Creating Discipline

Loans force you to save regularly. Since you must pay EMIs every month, you cut unnecessary expenses and focus on building a valuable property. 

When Real Estate Loans Become Risky 

Someshwar Srivastav also highlights the risky side of loans. If not managed well, they can create stress and even financial loss. 

1. Over-Borrowing

Many people take very large loans to buy luxury homes beyond their budget. This creates huge EMI pressure. If income reduces or jobs are lost, it becomes hard to pay. 

2. Interest Burden

The longer the loan, the more interest you pay. For example, on a ₹50 lakh loan over 20 years, you may end up paying almost ₹90 lakh in total. That’s nearly double the property price. 

3. Property Market Fluctuations

Sometimes property prices do not rise as expected. If you borrow heavily and prices remain flat, you may not get good returns on your investment. 

4. Stress Factor

Loans create long-term commitments. Carrying debt for 15–20 years can be mentally stressful for some families, especially if they already have other financial needs. 

Someshwar Srivastav’s Golden Rules for Real Estate Loans 

To balance the smart side and the risky side, Someshwar Srivastav gives simple rules that every buyer should follow: 

1. Borrow Within Limits

Never take a loan where the EMI is more than 30–35% of your monthly income. This keeps finances stable and avoids stress. 

2. Choose Shorter Tenures

A shorter loan period may mean higher EMIs, but it reduces the total interest paid. Someshwar Srivastav advises choosing the shortest term you can afford. 

3. Always Keep Savings

Do not put all savings into the down payment. Keep at least 6–8 months of EMI as an emergency fund. This gives safety in case of job loss or medical needs. 

4. Research Property Well

Before taking a loan, make sure the property is in a good location, has legal clearance, and has growth potential. A safe property ensures your loan works as a good investment. 

5. Compare Loan Offers

Do not accept the first loan offer you get. Compare interest rates, processing fees, and repayment flexibility from different banks before deciding. 

Smart vs. Risky: Finding the Balance 

So, are real estate loans smart or risky? Someshwar Srivastav says they can be both. 

They are smart when: 

• The loan is small and manageable.
• The property has strong growth potential.
• The buyer has stable income and emergency savings.

They are risky when: 

• The loan is too large compared to income.
• The property is over-priced or in a poor location.
• The buyer has no backup savings for tough times.

In short, the loan itself is not good or bad. What matters is how you use it. 

Someshwar Srivastav’s Final Advice 

Someshwar Srivastav believes that loans should be seen as tools. Just like a tool can help or harm depending on use, a loan can build wealth or create debt traps. 

His advice to buyers is: 

• Be practical, not emotional. Don’t buy a property just to show off.
• Do the math. Calculate your EMI, future expenses, and possible risks before signing.
• Think long term. A property is not a one-year plan, it’s a 10–20 year journey.
• Stay disciplined. Pay EMIs on time and avoid missing payments to keep your credit score strong. 

Conclusion 

Real estate loans are neither fully smart nor fully risky, they are a mix of both. For many families, they open doors to owning a home and building long-term wealth. But they also carry dangers if taken without planning. 

As Someshwar Srivastav explains, the key is balance. Borrow only what you can repay comfortably, choose the right property, and always keep safety funds. With this approach, loans can become a smart step toward financial growth rather than a burden. 

Buying property is one of the biggest financial decisions you will ever make. Whether you are looking for a home to live in or an investment that will grow your wealth, it is very important to make the right choice. Someshwar Srivastava believes that most problems in real estate can be avoided if buyers do proper research before signing the deal.  

In this blog, he explains five simple but powerful things to check before buying a property. 

1. Check the Location First

According to Someshwar Srivastava, the location of the property is the most important factor. A good location means the value of your property will grow over time. It also makes life easier if you are planning to live there. 

When you check the location, look for basic facilities like schools, hospitals, grocery stores, and public transport. See if the area is safe, has good roads, and is not too noisy. If you are buying property as an investment, check if new infrastructure projects like metro lines or highways are coming to the area. These projects can increase the price of your property in the future. 

2. Verify the Legal Documents

Many people make the mistake of trusting the seller without checking the paperwork. Someshwar Srivastava says that this is one of the biggest risks in real estate. Before you buy, ask for the property papers and get them verified by a legal expert. 

You should check: 

• The title deed is to make sure the seller is the real owner
• An encumbrance certificate to ensure there are no pending loans on the property
• Building approvals and a completion certificate if it is a flat
• RERA registration if it is a new project

This step can save you from legal troubles later. 

3. Inspect the Property’s Quality

Someshwar Srivastava always advises buyers to visit the property in person and check the quality of construction. Look at the walls, flooring, wiring, and plumbing. If it is a new property, ask the builder about the materials used. If it is a resale property, check for cracks, leakage, or repairs that may be needed. 

If you are not confident, you can take an expert or a civil engineer with you. Spending a little money on an inspection can save you from bigger expenses later. 

4. Compare the Price

Before making the final decision, Someshwar Srivastava recommends comparing the price of similar properties in the area. Many buyers end up paying more than the market rate because they do not research. 

You can check online property portals, talk to local brokers, or ask neighbors about the going rate. If the property is priced too high, negotiate with the seller. A good deal can save you a big amount, especially in a high-value purchase like real estate. 

5. Check Your Budget and Loan Options

It is not enough to like the property; you must also be sure you can afford it. Someshwar Srivastava says many people get excited and stretch their budget too far, which later creates stress. 

Make a clear budget that includes the price of the property, stamp duty, registration charges, brokerage, and any renovation costs. Then check your home loan eligibility and interest rates. It is better to get a pre-approved loan so you know exactly how much you can spend. 

This step ensures you do not face money problems after buying the property.. 

Conclusion 

Buying property is a big milestone in life. It can bring happiness and financial security if done right, or stress if done in a hurry. Someshwar Srivastava believes that taking time to check the location, verify documents, inspect quality, compare prices, and plan your budget can make all the difference. 

Real estate is not just about buying a piece of land or a flat; it is about building a safe future for yourself and your family. When you follow these five checks explained by Someshwar Srivastava, you reduce risks and increase the chances of making a smart choice. 

Remember, a property purchase is not something you can undo easily. So do your homework, ask questions, and take expert advice when needed. The right decision today can reward you for many years to come. 

Starting your journey in the stock market can be exciting but also confusing. Many beginners jump in without proper planning, and this often leads to mistakes that could have been avoided. That’s why learning from experts is important. Someshwar Srivastava, a well-known market expert, has shared his golden rules for new investors to help them build wealth slowly and safely. These rules are simple, practical, and easy to follow, even if you are just starting. 

In this blog, we will explore the top 5 rules for new investors by Someshwar Srivastava that can guide you toward becoming a smart and confident investor. 

1. Start Small, Learn Big

The first advice Someshwar Srivastava gives to beginners is to start small. When you are new, it’s better to invest a small amount rather than putting all your savings into the market. This way, you can understand how the stock market works without taking a huge risk. 

According to Someshwar Srivastava, the stock market is not a place to gamble with large amounts. Instead, think of it as a classroom where your first investments are like your first lessons. If you make a mistake, your loss will be small, but the lesson you learn will be valuable. Over time, as you gain experience, you can increase the amount you invest. 

2. Never Invest Without Research

Another important rule from Someshwar Srivastava is to always do research before investing. Many new investors buy stocks because a friend suggested them or because they saw someone on social media talking about them. This is risky. 

Someshwar Srivastava advises that you must check a company’s background, financial health, and plans before buying its shares. Look at its past performance, profits, and the industry it belongs to. If you do your research, you will have more confidence in your investments and will not panic when prices go up or down. 

3. Stay Patient and Avoid Quick Profits

Patience is the key to success in the stock market. Someshwar Srivastava says that most new investors lose money because they want to become rich overnight. They buy a stock and expect it to double in a few days. When it does not happen, they sell it too early or buy something else in a hurry. 

But the truth is, building wealth in the stock market takes time. Someshwar Srivastava compares investing to growing a tree. Just like you cannot get fruits the day after planting a seed, you cannot expect instant profits from your investments. The longer you stay invested in good companies, the better returns you will get. 

4. Don’t Let Emotions Control You

The stock market is full of ups and downs. Prices go up one day and come down the next day. New investors often get scared when prices fall and sell their stocks at a loss. Sometimes, they get greedy when prices rise and buy more at a high price. 

Someshwar Srivastava warns that emotions like fear and greed are your biggest enemies in the stock market. He suggests that you should stay calm and stick to your plan. If you have done your research and invested in a good company, trust your decision and don’t panic when the market falls. 

5. Keep Learning Every Day

The final and most powerful rule by Someshwar Srivastava is to never stop learning. The stock market keeps changing, and new opportunities come every day. If you want to be a successful investor, you must keep improving your knowledge. 

Read books about investing, follow market news, and learn from experienced investors. Someshwar Srivastava believes that the more you learn, the better your decisions will be. Even if you make mistakes, don’t get discouraged. Learn from them and move forward. 

Why These Rules Matter 

These 5 rules by Someshwar Srivastava are not just tips; they are a guide to help you build a strong foundation in investing. When you follow them, you will be able to: 

• Protect yourself from big losses
• Make smart and confident decisions.
• Grow your money steadily over time. 
• Avoid emotional mistakes  
• Develop the mindset of a successful investor.

Conclusion

Becoming a good investor is a journey, not a race. Someshwar Srivastava teaches that the key is to stay disciplined, patient, and always willing to learn. If you follow these rules – start small, research well, stay patient, control emotions, and keep learning – you can build wealth step by step. 

Remember, the stock market rewards those who stay consistent. As Someshwar Srivastava says, “Investing is simple, but not easy. Follow the rules, and you will see the results in the long run.” 

Read More Related Blogs:

• Someshwar Srivastava’s Tips for Beginners Entering the Stock Market
• Someshwar Srivastava’s Tips for Buying Property in a Growing City
• The Biggest Mistakes New Investors Make: Someshwar Srivastava’s Guidance
• Someshwar Srivastava’s View on Real Estate as a Retirement Plan