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4BHK Triplex serviced villas (90k monthly rent)
Invest 12 lakhs to get 2.25cr worth Flat in 8yrs
A beautiful village home for just 18 lakhs!
Invest 10 lakhs get 3cr in 15 yrs

The best gift any parent can give their child is a debt-free home.

Invest 5% money now - Get a Flat free in 8-10 yrs.

Numerous middle-class parents earning less than one lakh rupees per month face significant challenges in accumulating assets for their children. Their earnings are often fully allocated to cover essential daily expenses, including food, clothing, housing rents, festivals, travel, medical costs, and educational fees for their children. Many parents resort to loans to finance their children’s marriage expenses. Consequently, there is little opportunity to provide any fixed assets, which are crucial for their children’s financial stability. In the event of parental loss, the family home can offer protection and security akin to the support of parents. Therefore, every middle-class parent must be astute in their investment strategies to ensure a secure future for their children. D3yInfra presents a housing solution that requires an investment of only 5-10% of the current flat cost on commercially viable land in collaboration with other like-minded individuals. This approach enables them to acquire a flat valued at 2-3 crores at no additional cost through the landowners’ share within the next 8-10 years.

We can assert with confidence to all individuals in the middle class that the solution we provide is unparalleled and unmatched by any other. Those who agree with our perspective are welcome to visit us and seek our assistance.

To tackle this issue, D3Y Infra has devised a solution that can be implemented, provided a sufficient number of individuals express interest and agree with our proposal. For clarity, we have elaborated on the solution in detail on this webpage. We have developed a comprehensive plan that enables middle-class individuals, who may never have envisioned owning a flat, to acquire a residence in a gated community valued at over Rs. 15,000 per square foot by investing Rs. 800 per square foot in commercial land located in areas with the highest growth potential. So, with an investment of 8 – 16 lakhs, one can get a luxury flat of 1000 – 2000 sft within 6-10 years, which can be used by the investor for their living or gift the same to their children.

"YESTERDAY'S INACTION IS THE REASON FOR OUR TODAY'S PROBLEMS AND OUR TODAY'S ACTION WILL AVOID TOMORROW'S PROBLEMS."

Distressed middle class.

In the past, individuals found it relatively easy to purchase independent houses and apartments. However, over the last two decades, circumstances have progressively worsened, undermining the aspirations of the middle class. Presently, villas are priced between 2 and 10 crores, while apartments range from 50 to 200 lakhs. This situation has made homeownership exceedingly challenging, even for well-educated professionals in white-collar occupations. Even those who manage to secure a loan and cover the initial down payment often struggle to allocate a substantial portion of their monthly income towards equated monthly instalments (EMIs), resulting in a hand-to-mouth existence.

The middle class, which contributes significantly to tax revenues, comprises individuals who dedicate their time, energy, and expertise to the organisations they serve. Unfortunately, this diligent and essential workforce finds itself neglected by both governmental bodies and financial institutions. In the current landscape, honest, educated, and principled individuals seem out of place. They face insurmountable challenges in acquiring a home without resorting to corrupt or unethical means. The absence of assets, lack of personal housing, and overwhelming monthly EMIs not only diminish the self-worth of these individuals but also strain familial relationships, foster blame among family members, create stress for children, disrupt societal harmony, exacerbate health issues, and ultimately threaten the stability of society itself.

So, it is imperative for like-minded individuals to adopt a forward-thinking approach, envisioning the next 10 to 15 years. By forming small communities, overcoming unnecessary fears, applying common sense and logic, and seeking professional assistance from our team at D3Y Infra, they can work towards improving their circumstances.

Own house - an unfulfilled dream for the middle class.

The concept of settling down has long been associated with homeownership. The COVID-19 pandemic has intensified the desire among individuals to acquire their own homes. This global crisis has also shifted perspectives regarding homeownership; what was once viewed as a luxury has now transformed into a necessity. The unparalleled sense of security and pride of owning a home is significant. However, the feasibility of purchasing a house heavily depends on the buyer’s financial situation. Rising land prices and soaring construction costs are depleting the savings of an entire generation for 25 to 30 years. Consequently, for a middle-income family, investing in a home often requires allocating 50% of their monthly income towards housing expenses, resulting in a hand-to-mouth existence for two to three decades. The middle class must adopt a more strategic approach than the affluent at this critical juncture. Looking 10 to 12 years ahead, proactive planning and investment are essential to acquire an asset with only a 5 to 10% price.

Rent Scenario

“If you decide to live in a property for rent, the immediate cost to the tenant will be approximately Rs.15-30k per month. I suggest you invest not more than 20% of your family income on monthly rent. Living in a rented apartment doesn’t overburden you with a higher liability of paying EMI. On top of that, you always have a choice to change locations and shift to an area that suits you. Also, you can afford to live in high-value apartments at comparatively low rents, so renting naturally becomes preferable.

If your monthly income is less than one lakh rupees or a House loan EMI crosses 40% of your monthly income, we don’t advise investing in a flat. We advise you to invest in land or a plot that appreciates 10-15 times in 10-12 years; you may sell the same and invest in a Flat with a 100% down payment, and there shall be no EMI. If you cannot find a way to invest in land that appreciates 10-15 times in 10-15 years, then D3y Infra is the right choice for you.” – Anand Reddy, M.D. d3yinfra.

Buying Scenario

When your monthly income exceeds 1 lakh rupees, you can afford to buy a flat if the EMI comes to less than 40% of your take-home salary. The flats today cost anywhere between 50-200 lakhs based on the location, size of the flat,  amenities, interiors, etc. If you can save 20% of the flat cost over a period of time to pay for the margin money, the remaining amount can be taken as a housing loan.

Apart from the sweet feeling of having your own flat, the benefit here is that you can get rid of the annual rental hikes and the owner’s brusque tone. Additionally, you can enjoy the value appreciation of the property @ 5-10% every year. Here, one has to keep in mind that, due to the abrupt shooting up of land prices across India, the flat prices are being overpriced by 100%. So, one cannot expect any appreciation up to 3-5 years.

Solution

Version 1: Followed by 99.9%.
Individuals belonging to the middle class, earning a monthly income of less than one lakh rupees and lacking ancestral property, typically opt for rental accommodations. These individuals tend to save a modest sum each month, which they intend to use as a down payment when they are financially prepared to purchase a home. Over ten years, a family may accumulate savings of 15 to 20 lakhs. This amount will serve as the down payment for a flat valued between 50 and 100 lakhs, resulting in a monthly EMI ranging from 30 to 80 thousand rupees over 30 years. Consequently, the family, having saved 15 to 20 lakhs over a decade, will face monthly EMIs of 40 to 80 thousand for 25 to 30 years. This scenario illustrates that they will have invested 35 to 40 years to acquire a single asset. By the time they attain a debt-free property, they will be around 70 years old with no other savings. Often, they may be compelled to sell this flat to cover medical expenses or their children’s weddings. This trajectory represents the path followed by over 99.9% of individuals globally, especially in India.

Version 2: Our suggestion.
Consider investing a modest sum ranging from 8 to 16 lakhs in commercially viable land alongside a few partners on a cooperative basis. This investment should target areas where villas are being developed, with prices between 1 and 2 crores, and where DTCP plots are available for over Rs. 10,000 per square yard. After a waiting period of 5 to 6 years for development, the builder will construct approximately 1.5 lakh square feet on one acre, allocating 33% of this to the landowners. This arrangement could yield around 50,000 square feet of construction space, translating to approximately 30 flats, each measuring 1650 square feet. So, individuals should form groups within their networks to identify suitable land, invest collectively, and, after a waiting period of 8 to 10 years, engage a developer to receive their flats at no additional cost under the landowners’ share.

Who should utilize our Loan-free Housing Services?

1. D3Y Infra is the preferred choice for those who wish to secure a debt-free home for their children but find it challenging to save or invest 2-3 crores in a quality gated community apartment.
2. D3Y suits everyone, especially software engineers and small business owners whose monthly earnings are below 1 lakh.
3. D3Y caters to individuals who cannot invest 50-200 lakhs in a property but can afford to contribute 8-16 lakhs at present while continuing to reside in a rental property for the next 8-10 years.
4. This opportunity is designed for those who recognise that land valued at 3-4 crores today, where the current DTCP plot square yard price is approximately Rs. 10,000, and an area where villa projects are beginning to emerge, which will likely attract builders for apartment development over the next 5-6 years.
5. This proposal is intended for individuals who understand that builders typically allocate 20-40% of the apartments to the landowner, depending on the number of floors (FSI).
6. Individuals interested in purchasing a flat through this method, whether in other parts of Hyderabad or other cities across India, may consider investing here. They can acquire a flat within 8 to 10 years, subsequently selling it for an estimated 2 to 3 crores, reflecting the anticipated market value after a decade. This financial gain can then be utilised to purchase a flat elsewhere, enabling them to pay the full amount without securing a bank loan.

Three areas chosen for Debt-free Housing?

Shankarpally – Mominpet Stretch (28 km stretch): Given its proximity to Kokapet Neopolis SEZ, Shankarpally’s land value is 15 crores. Consequently, we have identified Mehtabkhanguda X Roads as our next target, where the land price is approximately four crore rupees per acre. We anticipate a developer arriving in this region by 2030, with apartment handovers expected in 2034. We are currently awaiting the completion of the RRR project.

No external circumstances can hinder the development of apartments in this locality. The growth is organic, with residential projects having expanded 20 kilometers from Kokapet to Shankarpally over the past eight years. Mehtabkhanguda X Roads is clearly the next logical choice for developers aiming to establish housing infrastructure for employees at Kokapet, Kollur SEZs, and personnel from Mobility Valley in Mominpet. (Location shown as Area-1 in the below map)

Shamshabad – Shadnagar (30 km stretch): The distance from Shamshabad to Shadnagar along the Bangalore Highway is approximately 30 kilometers, while the distance from Muchintal to Shadnagar is around 21 kilometers. This area has experienced significant growth over the past two years. The land prices along this highway range from 5 to 10 crore rupees. Prospective buyers can expect to acquire apartments within a timeframe of 3 to 5 years. We have identified a 200-acre parcel of land priced at 6 crore rupees per acre abutting this highway.

If 8,000 individuals from across Hyderabad (averaging 40 individuals per acre) quickly invest 15 lakhs each, they will be able to secure an 1800 square-foot flat in India’s largest gated community free of cost under the land owners’ share. The cost of the flat will be 20,000 rupees per square foot upon possession. Additionally, the builder can construct high-rise buildings, as the adjacent road will be either 300 feet or 100 feet wide. (Location shown as Area-2 in the below map)

Future City: Raviryal Exit 3 – RRR at Amangal (40km stretch):

The state government is creating a future city of over 30,000 acres to cater to future development needs. This project will house the Young India Skill University and is expected to be a hub for software and life sciences industries, alongside developments like Pharma City and AI City.

Greenfield Road is vital here: We shall see land adjacent to this road, which starts at ORR Raviryal and ends at RRR near Amangal. The price of land here starts at 8cr at Raviryal and 1 crore at Amangal. So, we have chosen the second destination after Mehtabkhanguda X roads. We will select the best lands around the middle of this 40km road priced at about 4 crore rupees per acre.

We can get a developer here by 2030, and the apartment can be handed over in 2034. The key factor is how quickly the government completes the 300-foot greenfield highway. It also depends on how best the government creates the future city in this 30,000-acre land bank it has held since Fab City’s time.

Given the above facts and developments, we have decisively concluded the above three destinations for our EMI-free Housing Project. (Location shown as Area-2 in the below map)

We resolve to procure 5 acres of land in any of the above two areas.

Based on majority interest, we intend to procure 5 acres of township land in any of these two areas. This requires 150 people to invest Rs.8-16 lakhs each (based on flat size). 

Township Plan for an Understanding (15% Discount considered for example)

A1
  • Land: 180 sq. yards *
  • Flat area: 1800 sft Flat
  • Price: Rs.10,000/- per sqy.
  • Discount: Rs.1500/- per sqy.
  • Cost after discount: Rs.15.3 lakhs.
    * With this land, one can get a flat free.
A2
  • Land: 160 sq. yards *
  • Flat area: 1600 sft Flat
  • Price: Rs.10,000/- per sqy.
  • Discount: Rs.1,500/- per sqy.
  • Cost after discount: Rs.13.6 lakhs.
    * With this land, one can get a flat free.
A3
  • Land: 140 sq. yards *
  • Flat area: 1400 sft Flat
  • Price: Rs.10,000/- per sqy.
  • Discount: Rs.1,500/- per sqy.
  • Cost after discount: Rs.11.9 lakhs.
    * With this land, one can get a flat free.
A4
  • Land: 120 sq. yards *
  • Flat area: 1200 sft Flat
  • Price: Rs.10,000/- per sqy.
  • Discount: Rs.1,500/- per sqy.
  • Cost after discount: Rs.10.2 lakhs.
    * With this land, one can get a flat free
A5
  • Land: 100 sq. yards *
  • Flat area: 1000 sft Flat
  • Price: Rs.10,000/- per sqy.
  • Discount: Rs.1,500/- per sqy.
  • Cost after discount: Rs.8.5 lakhs.
    * With this land, one can get a flat free.
A6
  • Land: 80 sq. yards *
  • Flat area: 800 sft Flat
  • Price: Rs.10,000/- per sqy.
  • Discount: Rs.1,500/- per sqy.
  • Cost after discount: Rs.6.8 lakhs.
    * With this land, one can get a flat free.
Commercial
  • Gita Bhavan, Star hotel
  • Supermarket, Restaurant
  • School for human excellence
  • Hospital, Clinic, Diagnostics
  • Music Academy, Kuchipudi classes
  • Chess coaching, karate classes etc

Invest in an Undivided share of Land (UDS) based on your flat requirement.

A6

800 sft flat (Rs.8.0 lakhs)
  • Land required (UDS): 80 sq. yards.
  • Price: Rs.10,000/- per sqy.
  • Discount: 20-30% possible. *
  • * Depends on land location.

    Payment schedules:
  • Rs.10,000/- Registration amount.
  • 50% upon land finalisation.
  • 50% one day before registration.

A5

1000 sft flat (Rs.10 lakhs)
  • Land required (UDS): 100 sq. yards.
  • Price: Rs.10,000/- per sqy.
  • Discount: 20-30% possible. *
  • * Depends on land location.

    Payment schedules:
  • Rs.10,000/- Registration amount.
  • 50% upon land finalisation.
  • 50% one day before registration.

A4

1200 sft flat (Rs.12.0 lakhs)
  • Land required (UDS): 120 sq. yards.
  • Price: Rs.10,000/- per sqy.
  • Discount: 20-30% possible. *
  • * Depends on land location.

    Payment schedules:
  • Rs.10,000/- Registration amount.
  • 50% upon land finalisation.
  • 50% one day before registration.

A3

1400 sft flat (Rs.14.0 lakhs)
  • Land required (UDS): 140 sq. yards.
  • Price: Rs.10,000/- per sqy.
  • Discount: 20-30% possible. *
  • * Depends on land location.

    Payment schedules:
  • Rs.10,000/- Registration amount.
  • 50% upon land finalisation.
  • 50% one day before registration.

A2

1600 sft flat (Rs.16.0 lakhs)
  • Land required (UDS): 160 sq. yards.
  • Price: Rs.10,000/- per sqy.
  • Discount: 20-30% possible. *
  • * Depends on land location.

    Payment schedules:
  • Rs.10,000/- Registration amount.
  • 50% upon land finalisation.
  • 50% one day before registration.

A1

1800 sft flat (Rs.18.0 lakhs)
  • Land required (UDS): 180 sq. yards.
  • Price: Rs.10,000/- per sqy.
  • Discount: 20-30% possible. *
  • * Depends on land location.

    Payment schedules:
  • Rs.10,000/- Registration amount.
  • 50% upon land finalisation.
  • 50% one day before registration.

I am interested. What to do next?

Understanding is the key before getting into action.

  • Understand the concept of Debt-free housing thoroughly.
  • Please look at the land prices in all three areas mentioned above.
  • Use Google Maps to navigate all the three stretches.
  • Understand that one must invest 3-4 crores in commercially viable land to attract builders by 2030.
  • One may pay Rs.10,000/- as non-refundable registration fees.
  • We shall wait until we get 150 people to register their names.
  • We suggest you refer 5-10 friends from your circles to speed up the process.
  • We shall pick the best land (after all legal checks) in a stretch based on majority interest.
  • You must pay 50% of the amount within 1 week from the date we show you the land.
  • We shall pay 50% and enter into an agreement for 60 days.
  • You are required to pay the remaining amount in 15 days.
  • We shall formulate bylaws and register a Housing society with all members as stakeholders and a few members on an ad hoc basis in the executive committee.
  • We shall get the land registered directly to the society.
  • We shall fence the land and construct a watchman room and two container homes for member visitors.
  • We shall get some fruit plantations done on the site for members’ benefit for 5-6 years.
  • We shall conduct elections for the EC and hand over the land to the society for peaceful possession.
  • We shall continue as Advisory board members to pass on advice at critical stages such as finalising the apartment plan, finalising the developer, allocating flats, etc.
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