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.
16 October 2026 · 4 min read
More high-rise projects around Mohali and Kharar now name Mivan in their brochures — Elegancia on NH-05 among them. What the method is, what it does well, and the one limitation every buyer should know before possession.
16 October 2026 · 5 min read
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.
16 October 2026 · 5 min read
A 14-acre mixed-use high-rise address on the Kharar–Ludhiana Highway, near Chandigarh University. Here is what the developer's own material commits to, what it leaves open, and what we would want in writing before anyone pays a token.
28 July 2026 · 6 min read
Two states, two rate cards, and a difference large enough to change which side of the border a buyer looks at. What the sub-registrar collects on the day, who gets a concession, and why the number is not calculated on the price you negotiated.
21 July 2026 · 5 min read
Registration and mutation are two different things, and the gap between them is where a surprising number of files sit for years. What intkaal is, who has to chase it, and what breaks when nobody does.
14 July 2026 · 6 min read
Punjab and Himachal run separate registers, and a registration number on a hoarding means less than most buyers assume. What to look up, what the quarterly filings reveal, and what a missing number tells you.
12 July 2026 · 6 min read
The collector rate revision moves your stamp duty, your loan eligibility and the floor under every negotiation in the sector — but not, on its own, the market price. We worked through four live files to show where the difference lands.
7 July 2026 · 7 min read
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.
30 June 2026 · 7 min read
Most of it is ordinary conveyancing done at a distance. The parts that genuinely differ are the power of attorney, the account the money moves through, and what happens when you want to take it back out.
14 June 2026 · 7 min read
Sector by sector, what has water and roads today versus what the brochure shows. We walked the northern pockets in May.
9 June 2026 · 6 min read
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.
2 June 2026 · 6 min read
Rent is the number everybody negotiates and the smallest of the risks. Lock-in, escalation, who pays for what, and the exit — the terms that actually cost money when something changes.
2 June 2026 · 8 min read
The three questions every seller asks, answered with the current rules and two worked examples from Sector 72 files.
26 May 2026 · 6 min read
Most inherited files are not disputed. They are simply incomplete — a mutation nobody filed, an heir nobody listed, a share nobody quantified. What has to be true before a sale can complete.
20 May 2026 · 5 min read
Highway-facing commercial gives the best gross yield we see anywhere on our board. Then you read the completion certificate.
19 May 2026 · 6 min read
Enquiries have moved from cheap covered area to compliant, ready space with a clear height and a truck court that works. What is being asked for, what it costs, and which pockets can actually deliver it.
6 May 2026 · 10 min read
The checklist we hand every buyer, with what each document proves and the two that people routinely skip.
8 April 2026 · 5 min read
Why the valuer's number comes in below your asking price, and the four inputs that move it more than the finish quality does.
Written by the desks, not by a marketing team. No listings pushed at you, and one click unsubscribes.
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