Unaffordable Housing in India: Truth Exposed

🏠Unaffordable Housing in India: Truth Exposed

(Complete Guide in Hindi)

📌 Unaffordable housing in India — A Crisis No One Talks About

Wo 70 lakh ka flate jo kisi ne black money me kharida hai na, aap usko majuri me Rs 1 lakh mahina pe rent pe lete ho aur uske baad jo aapka hak ka flate tha us pe aap ek kil bhi thokne jao na to wo currept politician ka manager aapko phone kar ke galiya deta hai ki ab is diwar ki repairing ka cost aapko bharna hoga.

Unaffordable housing in India ka ye ek kadva sach hai – jaha ek imandar tax paying nagrik bhi apne hi hak ke ghar me ek kill nathi thok shakata.

🧱 Black Money Ka Makad Jaal

Maharastra me builders ki gadbadi par ab pulis teji se karwayi kar rahi hai. Ghar ka sapna haram insan ka hota hai, aur is sapne ko haqeeqat bana ne ke liye wo akshar builders ke zanse me aa jata hai. Puri zindagi ki gadhi kamayi laga deta hai, lekin baat jab delivery aur performance ki aati hai to use milta hai dhokha.

Ek bada karan jiski wajah se Unaffordable housing in India badh rahi hai – wo hai black money ka khulaaam istemal.

💰 Kimato Ki Visangati: Income Vs Housing Inflation

Bharat me gharelu amdani pichhle 5 saal me lagbhag 5.5% se badhi, lekin gharo ki kimate 9.5% se. Is antar ne ek aisa gap bana diya hai, jisse Unaffordable housing in India ek norm ban gayi hai.
Isliye, log karz me dubte hai, stress me rahete hai, aur sucide tak ki naubat aa jati hai. Yahi karan hai ki bharat ke tear-1 sharo me aaj adhiktar log ghar afford nahi kar shakate.

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📊 Price To Income Retio: Sachchayi Jo Chhupai Jati Hai

Global leval par ek Price-to-Income Ratio hota hai, jo batata hai ki kisi bhi desh me ghar kitne affordable hai.

• America me ye retio hai 3.6
  
• Bharat me ye retio hai 11

Yaani ghar ki kimat aapki amdani se 11 guna jyada hai. Aur yahi antar Unaffordable housing in India ko aurr gambhir bana deta hai.

💸 EMI Trap: Zindagi Bhar Ka Boj

EMI to Income ratio batata hai ki aapki income ka kitna hissa EMI me chala jata hai. Bharat me ye 61% hai. Matlab aap jitna kamate ho, uska adhe se jyada hissa sirf ghar ki kist me chala jata hai.
Ye sirf Unaffordable housing in India ka asar nahi hai – ye Mental, Economic aur Social health par bhi bhari padata hai.

⚖️ Kyo Badhati Hai Housing Prices Itni Tej?

Agar bharat ki GDP growth, income growth aur inflation rate – teeno se jyada gharro ki kimate badh rahi hai, to sawal banta hai – kyo?

Iska jawab hai:

1. Black Money ka Circulation
   
2. FSI ki limitation
   
3. Government Infrastructure Failure
   

🏗️ Black Money Aur Tax Chori: Dohri Maar

Maan lo ek 1 crore ka ghar hai, to uspar lagbhag 20 lakh taxes lagte hai. Lekin agar koi use adha black me kharid le to sidha 10 lakh bacha leta hai. Iske alava jo tax dena tha, wo bhi bacha liya – yaani 50 lakh tak ki bachat.

Jo ghar Imandar insan ko Rs 1.2 crore me padata hai, wahi ghar currept insan ko Rs 70 lakh me mil jata hai. Aur yahi sab se bada karan hai ki Unaffordable housing in India aam admi ke liye reality ban gayi hai.

🏙️ Artificial Demand: Supply Ko Control Karna

Jab currept log inventory kharid lete hai, to builders scarcity dikhakar prices badha dete hai. Demand nahi badhati, bas illusion of demand banaya jata hai – aur aap finance kara ke wo flat le lete ho, jo aapki aukat me hota hi nahi.

🚇 FSI: Wo Technical Factor Jo Koi Nahi Samjata

FSI (Floor Space Index) ko agar India me badha diya jaye, to supply badhegi, prices ghatege.

• Tokyo: FSI = 20
  
• Singapore: FSI = 25
  
• New York: FSI = 15
  
• Mumbai: FSI = 5
  

To aap samaj shakate hai ki hamare country ki housing supply artificially restricted hai. Aur yahi reason hai ki Unaffordable housing in India ek structural samasya hai.

🛑 Infrastructure Ki Kamjori: Growth Ko Rokata hai

FSI isliye nahi badhayi jati kyoki roads, metros aur public transport use support nahi kar pate. Jab tak desh ka Infrastructure me sudhar nahi hota, tab tak Unaffordable housing in India  ko koi nahi rok shakata.

💡 Is Post Se Kya Sikhe?

• Agar aap ek imandar nagrik hai, to is system me aapko sabse bada nukshan uthana padata hai.
  
• Black money, FSI, aurr government failier – in sabka sidha asar Unaffordable housing in India par padata hai.
  
• Aapko apne financial plan ko us hisab se banana padega ki aap black money walo ki race me faskar apni life kharab na kare.

🧠 (FAQS) Unaffordable housing in India—Akshar Puchhe Jane Wale Sawal

❓ Ek imandar taxpayer ko ghar kharidne me dikkat kyo aati hai?

Unaffordable housing in India ki sab se badi sachchayi yahi hai ki jis fla ko kisi ne Black money se Rs 70 lakh me kharida, wahi flat ek imandar vyakti ko Rs 1 lakh mahina kiraye parmilta hai. Aur jab wo usme kil bhi thokna chahe to currept  politision ka manager gali dekar bolta hai – “Ab diwar ki repair ka kharcha aap bhariye.” Ek welfair national me imandar tax payer ke sath yahi anyay ho raha hai.

❓ Builders Kaise Thagate Hai?

Ghar ka sapna bahut sare log dekhte hai aur apni puri zindagi ki kamayi usme laga dete hai. Lekin jab baat aati hai delivery aur performance ki, tab hota hai. dhokha.
Customer se flat ki 20% rakam li jati hai, registration nahi kiya jata, aur project ka paisa kisi aur account me dal diya jata hai. Yahi traders aaj Unaffordable housing in India ko janm de rahe hai.

❓ Ghar Ki Kimate Amdani Se Jyada Kyo Badh Rahi Hai?

Pichhale 5 saalo me:

• Aamdani badhi 5.5% salana
  
• Housing inflation badha 9.5% salana
  

Yaani sirf 5 saal me ghar 20% jyada mahenge ho jate hai. Ye defference agar salo tak chalta rahe, to wahi hota hai jo aaj hai – India me jyadatar log ghar afford nahi kar pate.

❓ Price to Income Ratio Kya Hai?

Agar kisi shahar me aushatana aamdani Rs 5 lakh hai, to waha 25 lakh tak ka ghar affordable mana jata hai. Duniya me ye ratio 5 tak sahi hai. America me ye 3.6 hai.
Lekin bharat me ye retion 11 – yaani ghar dogune se bhi jyada mahenge hai. yahi data Unaffordable housing in India ki sachchayi ko ujagar karta hai.

❓ EMI To Income Ratio Itna Khatarnak Kyo Hai?

Bharat me EMI-to Income Ratio hai 61%. Iska matlab jo vyaktti Rs 1 lakh kamata hai, wo Rs 61000 sirf EMI me de deta hai. Ye shthiti bahut dangours hai, kyo ki yahi se shuru hota hai:

• Debt Trap
  
• Stress
  
• Health Issue
  
• Aur kabih -kabhi sucide
  

❓ Ghar mahege kyo hote  ja rahe hai, jab ki GDP aur amdani us se kam badh rahi hai?

Kyo Ki:

• Gharo ki kimate  GDP se bhi tej badhati hai
  
• Aamdani aur mahengayi dono se tej
  

Iska karan hai:

• Black money ka khel
  
• Builders dhvara banayi gayi artificial scarecity
  
• Aur sab se bada: Systematic failiyar
  

Inhi wajaho se ham kahete hai ki ye pura system  Unaffordable housing in India ko badhava de raha hai.

❓ Black money gharo ko kaise un affordable banata hai?

Maan lijiye ghar ki kimat Rs 1 crore hai:

• Tax aur charges milakar total hota hai Rs 1.2 crore
  
• Currept vyakti wahi ghar Rs 70 lakh me kharidta hai
  
  • Rs 50 lakh black
    
  • Rs 20 lakh white
    

Yaani imandar aadami se wahi ghar Rs 50 lakh sasta mil raha hai use. Yahi difference Unaffordable housing in India ki jad hai.

❓ Builders kaise artificial demand banate hai?

Jab currept log bulk me khrid lete hai to builder kahta hai:

“Ye bhi book ho gaya, sirf do bache hai… abhi lo nahi to chala jayega.” Is dar se aam adami loan leta hai, jaldbaji karta hai, aurr ulaj jata hai ek mahege compromised ghar me, jo wo shayad lena hi nahi chahta tha.

❓ FSI kya hai aur is se price kaise ghat shakte hai?

FSI yani Floor Space Index — ye batata hai ki ek plote par kitna construction ho shakta hai.

• Mumbai me FSI hai 5
  
• Tokyo me hai 20
  
• Singhapore me 25
  
• New York me –15
  

FSI badhane se ek hi jamin par jyada flates ban shakte hai – yaani supply badhegi, daam ghatege.
Lekin infrastructure kharab hone ki wajah se bharat me FSI nahi badhaya jata. Jab tak sadako, metro, over bridge ka system thik nahi hota, Affordable housing sambhav nahi hai. – aur isi wajah se bana hua hai Unaffordable housing in India

❓ Kya is shthiti ka koi hal hai?

Haa, is pure system ko thik karne ke liye jaruri hai:

• Black money ka kada action
  
• FSI ko smart tarike se badhana
  
• Aur transparent building approval system

Also Read >>> Startup Scam in India: Valuation to Manipulation

📌 Conclusion

Unaffordable housing in India ek gahri samasya ban chuki hai. Black money, ghatiya policy aur kam FSI jaise karano se aam aadami apne sapno ka ghar kharidne me asamarth hai. Jab tak system me pardarshita aur planing nahi aati, tab tak ghar lena sirf ek sapna hi bana rahega.