Renting, Owning, And Everything In Between: How Investing In Real Estate Can Secure Women Financially, As Per Experts

Real Estate Investment As A Path To Financial Security For Women

While a lot of women opted for renting earlier, with the real estate market not being such a male-oriented industry anymore, women are now shifting their interests towards owning properties.

Additionally, acquiring a home is now easier than ever before. With government assistance like the reduction of stamp duties to female buyers in certain states of India, subsidies under the PMAY scheme, and easy availability of home loans, owning a home is no longer a dream but a reality for women across all economic strata.

Real Estate As An Investment Portfolio Asset

Mr Sandeep Mangla, managing director of Forteasia Realty Pvt Ltd, highlighted, “Real estate investment is a strong and effective tool through which women can attain wealth for generations. But building wealth through homeownership is not only about being self-sufficient, it is a bold statement that illuminates the importance of financial stability and planning. In India’s urban landscapes, it is currently estimated that 43% of home purchase transactions are made by women, a trend that can be associated with a paradigm shift in the ownership of real estate. But why is this the case? There are numerous factors. For starters, owning a home is not just a space to live, it comes with several benefits that can increase wealth. For instance, when a woman owns a home it is also a valuable resource and good investment that rises in value over time, allowing for tax deductions and rental income.”

“In suburban and urban locations, one can expect property appreciation rates of 8 -12 per cent yearly while premium properties would even have a rental yield between 3-4%. More interestingly, women in the corporate space have more to gain from property investment, as it is an effective way to beat inflation and can be used to fund future businesses. A major takeaway from this is that women should focus on both the rental factor and investment returns from their property. These two factors are strong enough to shield women against many economic hardships,” Mangla echoed.

Women's Empowerment Through Property Ownership

Aman Gupta, director of the RPS Group, said “The increasing numbers of women in the real estate field also means the changing of the tides within society regarding the role of women. The most valuable estates today are females, who oversee major financial negotiations and make investment decisions. From an organisational perspective, even the banks have started customising their offerings by including specialised services for the female buyer such as lower interest rates on loans and advice provisions.”

“Aside from financial safety, redeemed property gives women newfound self-sufficiency. Whether it is a young working woman buying her first home, a single mother looking for a place to raise her children, or a businesswoman constructing industrial buildings to rent it out, real estate is a testimony of a woman’s empowerment to create and defend her future,” Gupta further added.

How To Start Your Real Estate Journey?

Aman Gupta shared some steps to help you start your real estate investment journey.

• Set Financial Goals: “It is also critical that you have a plan for the long term, whether it is improving your current living conditions, earning from rentals, or having a retirement plan,” said Gupta.
• Research Thoroughly: Aman said, “Seek properties near the economic growth potential because this means higher returns on investment.”
• Leverage Financial Aids: “Understand the home loan benefits and tax reliefs pertaining to women owning property,” added Aman.
• Seek Expert Advice: “Contact real estate consultants or advisors to get the best understanding of the area,” concluded Gupta.

Don't Miss:Nirmala Sitharaman: Finance Minister's Net Worth, Political Career, And More

Why Women Should Consider Investing In Real Estate?

Financial Advisor Mr Vinnaayak Mehta, founder of The Infinity Group, shared, “Besides the monetary returns, investing in real estate has often been regarded as a stepping stone towards women's independence, stability, and empowerment. With some of the add-on benefits such as stamp duty being slightly less, lower interest rates on home loans, and tax benefits, women can seek avenues to increase their revenues and secure their future. Real estate is also one of the most potent tools for asset diversification, risk balancing, and long-term financial power building.”

“Beyond financial benefits, property ownership enhances decision-making power and fosters economic participation. Women can earn passive income, benefit from appreciating assets, and assert control over their financial journeys. And with changing societal norms and policies that increasingly support women in property, there is no better time than now to explore this rewarding avenue for growth and security,” he added.

Don't Miss:Financial Planning Strategies For Women In Digital Marketing Era

If you liked this story, then please share it. To read more such stories, stay connected to HerZindagi.