The,Trend,amongst,Affluent,Ind business, insurance The Trend amongst Affluent Indians to Buy Second Homes

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Economic affluence in India is growing phenomenally as never before and this in turn is exploding the desires and expectations of the common man. Investment in real estate is considered much safer and lucrative in the long run. There is something ingrained in the Indian psyche that residential and landed property despite the unexpected economic vicissitudes is the most dependable source to fall back upon in the hard times and  that the landed property preferably the agricultural land and in absence of it  the residential property stays on for generations and its value also appreciates. It is the only worthwhile and memorable legacy that the parents can leave for their children. A house is considered to be the most reliable and peaceful, even though comparatively less lucrative source of income in form of rent.The mortgage rates in India being much lower than an ordinary person is willing to pay makes it easier for a common man to buy another home whose rental income often suffices to pay back  the loan  installment. The whole process of paying monthly installments through the rental income is so convenient and automatic that owning a second home becomes absolutely hassle free. In some cases you can get even 100% loan amount without making any down payment at all.Most of the persons living in crowded metropolitan cities yearn for peaceful living in farm houses, hill stations, vacation houses, pilgrim centers, temple towns like Haridwar and old age homes with excellent infrastructure and other modern facilities in peaceful and pollution free environemtn after retirement. The trend of buying second homes is increasing fast not only because they provide the much needed respite from the pollution, noise and chaos of the city life, but also because they provide a great sense of  financial, residential  and familial security. Second homes at hill stations and pilgrim centers provide compelling attraction year after year to go for the  much needed refreshing change and holidaying during the children’s summer vacations and other school breaks without incurring heavy expenses in lodging and dining at expensive hotels.Since the prices in crowded urban areas are prohibitive, the trend is to buy the second homes in second tier towns or at such zones and areas whose future economic growth is likely to compete or even outgrow the fully developed towns. These areas include Technology Parks, the information technology—IT—parks such as those  in Bangalore and Hyderabad, satellite towns, suburban areas, special economic zones—SEZs, or, even backwards areas which have caught the attention of the planning commissions and industrial departments of the government for development. Another reason for buying second homes in such areas is the substantial tax rebates and other incentives and concessions offered by the government to encourage settlement and investment in such areas. The houses in these towns are much cheaper than in the metros at least at the initial stages of their development. The development of NOIDA and Gurgaon near Delhi and similarly of areas around the other metros in India has taken place due primarily to the difficult living conditions, shortage off office and industrial space in metros like Delhi. Seeing the emerging fianacial opportunities and huge appreciation in real estate market, people have invested substantial amounts in buying second homes in these areas. Some of them have even shifted to these second homes making their first original homes as second homes. While these persons keep their families and children in their second homes in less crowded and pollution free areas, they themselves commute to their workplaces, industries and offices in the metros. These second home towns have the entire infrastructure and other basic necessities like hospitals, schools, colleges, shopping malls, boutiques, entertainment centers and five star hotels, theaters and specialty restaurants and much more.The Second home Towns The other reason for buying second homes is their easy accessibility. Quite often the second homes are situated in the nearby areas. Commuting to and from them is quite easy by the personal vehicles, busses and trains. Moreover these smaller towns have cheaper real estate options and the leading retailers and property developers with their brand acceptance among the consumers achieve breakdown much faster than the in the larger cities. Second Homes and Disha Direct:Disha Direct is a leader in the real estate marketing space with a strong bias to the second home segment. In a short span of three years Disha Direct has grown its customer base to over 200 satisfied customers and many successful marketing campaigns.