Unity Group of Investors

Welcome

If you're here, you're likely looking to make smarter investments that deliver higher returns. Investing in real estate individually can be rewarding, but it often limits potential. Why? Because solo investments miss out on bulk pricing and exclusive opportunities that come with larger-scale ventures.

That’s where we come in -  a united group of investors, pooling their resources to harness the power of collective strength. Together, we unlock greater opportunities, achieve bulk advantages, and maximize our returns. Together, we invest smarter, in unity.

Join us in revolutionizing real estate investing.

The Power of Unity

What we do?

Our strategy is simple yet powerful: we aim to maximize our property investment returns by leveraging bulk bookings during the pre-launch phase of real estate projects. This approach allows investors to benefit from preferential pricing and higher growth potential as the project progresses.

Why Pre-Launch Investments?

Pre-launch phases often offer the lowest price point for a property, enabling early investors to secure higher returns as the project matures. Additionally, bulk bookings grant us access to even better deals and increased negotiation power.

Comparison of Investment Growth

Here’s an illustrative graph comparing the growth of Rs. 10 lakhs invested in different financial avenues over time:

As seen in above, while an investment in a regular financial instrument fetches a return of 6% to 40% per annum with very high risk involved to achieve higher returns, our Unity model has a capacity to safely provide a staggering 86% to 88%+ return.

Key Factors Driving the Model:

High Entry Leverage: The 10% bulk deal advantage significantly boosts the effective starting point.

Steady Appreciation: A reliable 15% annual growth compounds the investment effectively over time.

Market Conditions: The success hinges on maintaining the 15% appreciation rate and bulk deal advantages in the selected market.

Now, let's look at how we are able to achieve this return with details around the investment of Rs 10 lakhs:

How do we shortlist a project

1. Target Only Tier-1 Builders

• Focus on projects being developed by top-tier builders in the city.

• Research and validate the builder's reputation, past projects, delivery timelines, and overall credibility.

• Ensure that the builder's branding aligns with high-quality construction and reliable delivery.

2. Comprehensive Due Diligence

• Engage a professional real estate lawyer to ensure the project's legal soundness.

• Key areas for due diligence include:

  • Completion and correctness of paperwork (e.g., land titles, building permits).

  • Verification of RERA (Real Estate Regulatory Authority) formalities and registration.

  • Investigation of any litigation issues that might affect the project's feasibility or resale value.

3. Pre-Launch Entry for Price Lock-In

• Enter the project before the official launch phase to negotiate and secure a favorable buying price.

• Early-stage investments typically offer competitive pricing, giving an edge in terms of cost and future appreciation.

• This strategy allows room to negotiate better terms with the developer.

4. Leverage Group Negotiation Power

• Larger unity groups strengthen negotiation leverage.

• Collaborate with a consortium of buyers to enhance collective bargaining power, reducing costs per unit and potentially securing additional perks (e.g., better floor plans or amenities).

Investment Strategy

Given below outlines an investment strategy for purchasing a property worth ₹1 crore, using a combination of personal investment and bank financing. Here's a breakdown of the approach:

1. Initial Investment:

   • Each individual invests ₹10 lakhs as the initial deposit to purchase a flat worth ₹1 crore.

2. Bank Financing (10:90 Ratio):

   • The bank provides a loan covering 90% of the property value (₹90 lakhs in this case).

   • The investor doesn't need to worry about paying the full Equated Monthly Installment (EMI) if they exit the project before its completion.

3. Construction-Linked Payment:

   • The property is purchased in a Real Estate Regulatory Authority (RERA)-approved project with a typical completion timeline of 4 years.

   • Payment to the builder is made in stages, based on the progress of construction.

   • As the builder raises demands (usually every 3-4 months), the bank disburses the corresponding amount directly to the builder.

4. Pre-EMI Stage:

   • Before possession, the investor only pays the simple interest (not the principal) to the bank on the disbursed amount.

   • This stage lasts until the property is ready for possession.

5. Exit Option:

   • Investors can exit the project before completion, potentially selling their stake in the property.

   • Alternatively, they may retain ownership and proceed with full EMI payments post-possession.

Benefits of the Approach:

• Affordable Entry: With just ₹10 lakhs, investors can access high-value real estate opportunities.

• Bank as a Partner: The bank funds most of the cost, reducing the immediate financial burden.

• Flexibility: The option to exit before completion provides liquidity and minimizes long-term commitment.

• Capital Growth Potential: Investors may benefit from property appreciation during the construction period.

Considerations:

• Risk of Delays: Delays in construction can increase the duration of the Pre-EMI phase, leading to higher interest payments.

• Market Volatility: Property prices may not appreciate as expected, impacting potential gains.

• Legal and Financial Due Diligence: It's essential to verify the project's RERA compliance, builder's reputation, and loan terms.

• Exit Timing: Selling before project completion depends on market demand and may involve additional costs or taxes.

Join Us

Upcoming Project