Author: Hhomy Editorial Team

Introduction As housing prices and lifestyle preferences evolve, many urban professionals find themselves facing one of the biggest financial decisions — whether to purchase a home or continue renting. The answer isn’t one-size-fits-all. It depends on your goals, income stability, location, and long-term vision.At Horizon, we simplify this comparison to help you understand the pros and cons of both choices — so you can make an informed decision suited to your future. The Case for Buying a Home Owning a property offers emotional security and financial appreciation. When you invest in a house, each EMI contributes toward an asset that…

Dombivli has rapidly evolved from a budget-friendly suburb to one of the fastest-growing real estate investment zones in the Mumbai Metropolitan Region (MMR). With the upcoming Metro Line 5, Kalyan-Dombivli Smart City mission, and connectivity to the proposed Navi Mumbai International Airport, the demand for properties here has seen a tremendous rise. Whether you’re a first-time buyer or an investor, Dombivli offers a wide range of residential options, right from affordable homes to premium townships and luxury high-rises. Why Dombivli is a Real Estate Hotspot Dombivli is not just a residential hub — it’s becoming a self-sustained urban ecosystem. Top…

Introduction Buying a home is one of the most significant financial and emotional decisions of your life. One of the first choices you’ll face is this: Should you buy a ready-to-move-in home or invest in an under-construction property? Both come with their own advantages and trade-offs. Here’s a detailed comparison to help you make a smarter choice — aligned with your goals, lifestyle, and budget. What Is a Ready-to-Move Home? A ready-to-move (RTM) home is a property that’s fully built and available for immediate possession. You can visit the site, inspect the actual apartment, and move in as soon as…

Introduction In today’s real estate landscape, amenities often steal the spotlight. But not every feature that looks attractive adds real, lasting value to your home. From luxury clubhouses to rooftop gardens, the key lies in distinguishing between what enhances your lifestyle and what’s just marketing glitter.At Horizon, we help homebuyers identify features that improve comfort, convenience, and long-term property worth. Let’s explore the modern amenities that genuinely make a difference when choosing your next address. 1️⃣ Smart Security Systems Peace of mind tops every buyer’s list. Gated communities with advanced surveillance, biometric access, and 24/7 monitoring provide tangible benefits beyond…

Buying a property is one of the most significant milestones in anyone’s life. However, beyond selecting the perfect home, there’s a crucial step that finalizes ownership — property registration and stamp duty payment. These legal formalities ensure that your new home is officially recorded in government records, safeguarding your ownership rights. At Horizon, we believe that understanding these processes empowers every buyer to make secure, informed decisions. 🔹 What Is Property Registration? Property registration is the legal recording of property ownership in the government’s land records. Once registered, the buyer becomes the official owner recognized by law.It involves signing and…

Managing finances goes beyond earning and spending — it’s about building a solid financial identity. One of the most crucial elements of that identity is your credit score. For today’s young professionals, understanding how this number works can open doors to better loans, housing options, and even career opportunities. 🔍 What Exactly Is a Credit Score? A credit score is a three-digit indicator of your credit reliability, typically ranging between 300 and 900 in India. It’s calculated using your credit card usage, loan repayment behavior, and overall borrowing history. A higher number signals trustworthiness, assuring lenders that you’re a responsible…

Your twenties bring independence, ambition, and exciting opportunities. It’s also the perfect time to build strong money habits that shape your future. However, without the right financial direction, early missteps can lead to long-term challenges—especially when aiming to purchase property or invest smartly. Here are five crucial money errors to steer clear of in your twenties: 1️⃣ Overspending Without a Spending Plan Many young earners get caught up in lifestyle expenses—frequent outings, gadgets, and online splurges. When spending isn’t tracked, savings goals vanish quickly. 💡 Smart Move: Create a monthly spending strategy. Follow the 50-30-20 formula—allocate 50% to necessities, 30%…

When it comes to growing your wealth through mutual funds, one of the most common questions investors face is: Should I invest systematically or all at once? Both strategies—Systematic Investment Plans (SIPs) and lump-sum investing—have their own strengths. The choice depends on your financial goals, risk appetite, and market outlook. What is a SIP (Systematic Investment Plan)? A SIP allows you to invest a fixed amount regularly—monthly, quarterly, or at intervals of your choice—into a mutual fund scheme.It works like a disciplined savings plan that helps you build wealth gradually. Key Advantages: With small, regular contributions, you can steadily create…

Owning land in India comes with certain financial responsibilities, one of which is paying land tax. This tax is collected by state governments and municipal bodies to fund infrastructure, sanitation, and other public services. Since rates, rules, and exemptions vary across states, it’s important for landowners to understand how land tax is calculated and how to pay it correctly. What is Land Tax? Land tax is a state-imposed levy on individuals or organizations owning land within their jurisdiction. It applies to: The method of calculation differs by state and is often based on: How is Land Tax Calculated in India?…

When buying property in India, checking for clear ownership is essential. One of the key documents used for this is the Encumbrance Certificate (EC). Within the EC, you may come across Form 5A—a section that often leaves homebuyers confused. Let’s simplify it for you. What Is an Encumbrance Certificate (EC)? An Encumbrance Certificate is a government-issued document that records all registered transactions related to a property. It shows whether the property is: It is issued by the sub-registrar’s office where the property is registered. What Is Form 5A in an Encumbrance Certificate? Form 5A is a specific section within the…