How to prevent broker lead-ownership disputes
Most broker disputes come from an unwritten rule about who found the buyer. A written registration policy, one validity window and a visit log settle them.
LoftRay blog
Guides for Indian builders
Answers to the questions builders, owners and CFOs ask about RERA, tax, collections, broker sales and handover. Each guide shows worked numbers, cites the law it relies on and says when it was last checked.
Looking for a single term? The glossary defines CLP, JDA, Form 3 and more in a sentence or two.
Collection-efficiency KPIs for real-estate CFOs
Collection efficiency is money received against money that fell due. Here are the six numbers a builder’s CFO should track monthly, with a worked example.
Demand letter format for construction-linked plans
A CLP demand letter states the certified stage, the instalment, GST, the buyer’s TDS, overdue interest, the due date and the total. Format and worked example.
Excel vs an ERP for a builder with three projects
Excel works for one project and one accountant. With three live projects, shared sheets, milestone demands and bank matching make an ERP cheaper than errors.
Possession handover checklist and documents
Before handing over a flat: occupancy certificate, cleared dues, signed snag list, meter readings, keys and a document pack. The full checklist, in order.
How to reconcile buyers’ 26QB TDS credits
Match each buyer’s 1% TDS in your books against the credits in your tax statement every month, and chase the buyer, who alone can correct a wrong filing.
Booking amount limit under RERA section 13
A builder may not take more than 10% of a flat’s cost as an advance or application fee before a written agreement for sale is signed and registered (RERA s.13).
RERA Form 3: the withdrawal amount, worked out
Form 3 caps what a builder may draw from the RERA 70% account at the land and construction cost actually incurred, less earlier withdrawals. Worked example.
Interest on delayed payment under RERA
A buyer who pays late owes interest at the rate the state RERA rules set, the same rate a builder pays for late possession. In Maharashtra that is 10.95% today.
Tally plus a CRM vs one real-estate ERP
Tally and a sales CRM each do their own job well. The cost is in the hand-offs between them: bookings, demands, receipts and refunds keyed in twice.
TDS on property under the Income-tax Act 2025
From 1 April 2026, TDS on a flat worth ₹50 lakh or more falls under s.393(1), Table Sl. 3(i), not s.194-IA. The rate is still 1%; Form 26QB is now Form 141.
Unit hold and blocking policy for a project launch
A hold policy decides who may reserve a flat, for how long and on what terms. Use short, timed holds with named owners so launch-day inventory stays honest.