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Real Estate Affairs of Corporates and Homes · Himachal Pradesh & Punjab
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What we are seeing, written down and dated.

Notes from the desks — circle rates, Section 118, what a bank valuer actually looks at. No listicles, no market hype, and every number carries the date we saw it.

Notes published:
24
States covered:
2
This month’s note
Floor plan of the Tower I unit at Elegancia: two bedrooms, two toilets, a kitchen, an entrance lobby and a 6 ft balcony; super area 701.56 sq ftBuying

16 October 2026 · 5 min read

Super area or carpet area? Reading an Elegancia floor plan

The Tower I plan at Elegancia states a super area of 701.56 sq ft. The rooms drawn on it add up to about 364 sq ft. Here is where the rest goes, and the one question to ask before comparing prices.

RACOHO Advisory DeskRead the note →

7 July 2026 · 7 min read

Flat or plot in the tri-city: the honest comparison

A plot appreciates and a flat is livable, which is where most advice stops. The real differences are in what you can borrow, what you pay monthly, how fast you can exit, and what the paperwork demands.

RACOHO Advisory DeskRead →

9 June 2026 · 6 min read

What a bank actually checks before it funds a property here

The legal opinion and the technical valuation are two separate reports, and either one can stop a file. What each looks for on a Punjab or Himachal property, and the things that quietly reduce your sanction.

RACOHO Advisory DeskRead →

One note a month. Rates, rules, and what changed at the tehsil.

Written by the desks, not by a marketing team. No listings pushed at you, and one click unsubscribes.

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