Blog

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July 13, 2022

Whether you are buying your first home, your next home, or refinancing your current mortgage, you may need to seek the services of a mortgage broker. When you do this, a mortgage broker can help you save all kinds of costs on your home, provide proactive solutions for fixing issues as they arise, and strategically plan out your whole borrowing process.

These professionals can help homeowners secure better deals on their mortgages, saving them thousands of dollars throughout their loans.

To dive in deeper, here are some ways that mortgage brokers and borrowing club reviews can help homeowners save money:

Mortgage-Broker-Save-Money-Moneyexcel

6 Ways A Mortgage Broker Can Help You Save Money

#1 They Have Access To Large Networks Of Lenders

A mortgage broker has access to large networks of lenders with different lending programs, which can help you get the best deal possible. They don’t lend money themselves but use their relationships with lenders and private lenders to find the best financing option for their clients. Because they don’t lend money themselves, they are not required to comply with lender requirements like banks and credit unions are, so mortgage brokers have more flexibility in terms of what they can offer clients regarding rates and fees.

A Mortgage Finance Broker leverages their expertise and network of lenders to ensure you secure the most favorable mortgage options.

Mortgage brokers are often best suited for people who don’t want to deal with a bank directly, and they’re also generally well-suited for those buying their first home or refinancing an existing mortgage. But there are other reasons why you might want to work with a mortgage broker instead of your bank:

You may have a lower credit score than the bank requires for approval.
You may be looking for a lender with flexible underwriting criteria or has better rates than other banks.
It’s hard to find a reasonable rate if you’re self-employed or have been burned by the housing market crash.

If you had trouble getting approved for a loan from your bank because of your credit score or employment history, it’s time to consider working with a mortgage broker instead.

Your mortgage broker will work with you to find the right lender with an offer based on your unique financial situation. A good mortgage broker should be able to explain what each lender offers and why they are better or worse than another lender.

How to Apply for Property Card Certificate?

#2 Can Assist In The Pre-Approval Process

A Mortgage Finance Broker can simplify the pre-approval process by guiding you through the necessary paperwork and financial assessments. Their expertise ensures that you are well-prepared and can secure pre-approval more efficiently, increasing your chances of obtaining favorable mortgage terms. Pre-approval is a reliable way to know how much house you can afford. A lender will usually conduct an extensive analysis of your financial situation, check your credit score, and determine whether or not your income will be steady over time (ability to repay).

Being pre-approved does not mean you have to buy a house. It only indicates how much mortgage money lenders would be willing to lend you if needed. You may use this opportunity as leverage when negotiating with sellers or other buyers during the purchase process.

You can choose between getting pre-approved directly from a lender or through a mortgage broker who works with several different banks and lenders to find one with the best offer for your needs at that time.

#3 Helps Tailor A Loan To Your Needs, Lifestyle, And Budget

Finding the right mortgage can be a daunting task. There are many variables to consider, and you must choose the one that is right for you.

Mortgage brokers are professionals who specialize in finding loans that fit your needs and budget. They can help you find a loan that fits your lifestyle as well.

A good mortgage broker will take the time to understand your financial situation and then find a loan that matches those goals and circumstances.

#4 Help You Minimize Fees And Know When To Anticipate Them

Let’s face it: fees can add up to a lot of money. You may not realize how much you pay in fees until you sit down and see the total, which is why it’s important to know what you’re paying for. While some service fees are unavoidable, you can avoid or minimize other charges when you hire a mortgage broker.

They also work hard to help you minimize closing costs by:

Understanding all closing costs, so there are no surprises along the way.
Finding ways to avoid or lessen them by negotiating with lenders.
Helping guide customers through long-term savings plans like refinancing or home equity loans.

#5 They Can Protect You From Fraud

Mortgage brokers have access to databases of fraudulent activity that you might not. It includes everything from identity theft and predatory lending practices to failure-to-maintain and mortgage fraud. Your broker can help protect you from these financial scams by knowing what to look out for.

If you want the best protection against fraud and other nefarious schemes, hire a professional broker dedicated to helping their clients avoid these problems.

#6 Save Yourself Time And Effort

You can save time and effort by going straight to a reputable mortgage broker sydney (or indeed one elsewhere) as they’re already very familiar with the process of applying for a mortgage with all manner of lenders and banks. Using their thorough knowledge and prior experience, they will take care of everything for you, so there’s no need to visit multiple loan providers or fill out numerous applications.

It is not uncommon for people with various credit scores and income levels to match with several lenders based on their unique situations. It allows the borrower to choose their ideal loan option among several choices offered by different lenders, which means less back-and-forth between them and the borrowers themselves, as well as more time saved from running around town looking for multiple places at once!

Conclusion

A mortgage broker is a valuable resource for those looking to buy or refinance their home. They can help you find the best loan for your situation and make it easier to get approved. It will save you time and money in the long run and ensure that everything goes according to plan when applying for a mortgage.

How to Apply for Property Card Certificate?

Real Estate

Shitanshu Kapadia

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July 11, 2022

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Making a property card is easy today. You can get your property card by applying online as well as offline. It is important to get your property card as it helps in multiple ways. Real estate is an unorganized sector where a lot of black money is involved.

It is important to bring clarity to property ownership. It is one of the methods to bring clarity to land and property records.

The online system of cards will help in making land and property-related transaction full proof where there is no scope for any fraudulent activities.

What is a Property Card?

A Property Card or Certificate is a smart card that contains all information about your property. A property card is issued by the government of India. The property card acts as proof that you own the mentioned property. It acts as a handy record for the property.

You need to apply at a government office to get your property card. You can apply for this card online as well as offline.

Property Card

How to Apply for a Property Card Certificate?

The process of applying for a property card online is given below.

Apply Online

Visit the official website of the Land and Development – Ministry of Housing and Urban Affairs – Government of India.
On the Home Page, Click on the eDharti portal.
You will be redirected to the eDharti page.
Click on the “Login” tab.
It then redirects the online applicant to a new page.
Click on the “New User” tab.
You will be prompted with the options “Official Registration” and “Applicant Registration” on the New User Registration Page. Select Application Registration.
Enter any one of the Document Numbers out of the given options: Aadhaar/PAN/Passport/PION/OCIN
On the Applicant Registration page, Enter the Name of the Applicant, Date of Birth, and Gender, and enter the Security Code.
In the Application Registration, Enter the Name of the Father/Husband.
In the Address Section, Enter State, City, PIN code, House Number & Street.
Enter your Mobile Number and email Address and Upload the Applicant Photo. Click on the “Next” button.
After clicking on the “Next” button, it displays the Applicant Details which you have entered before in the personal details.
In the Property Details Section, Select Land Type, Property Type, Property Sub-Type, Colony, Block Number, Plot Number, Lease Number, and Property Known as.
In the Security Details Section, enter the security details.
Then complete the Registration Process which gives the alert – Thank You for Registration.
Click on the “Acknowledgement”, and the Filled Application Form gets downloaded in PDF Format.
After submission of this registration form, the system issues the property card.
To View, Print & Download Property cards online, go to the Official Website of the Dharti Portal.
A map will open in front of you.
On the homepage map, you have to enter the address you are looking for. After entering the address, press enter.
Zoom to the exact location to see the property card.
On selecting the property you will see various options, such as;

- View property card
- Misinformation
- View geotagged images etc.

Click on the “View Property Card” option from these options Now, the card will open on your screen which contains the details of the property such as the type of land, the status of the land, shareholding details, etc.

To download the file, click “Click here Print” and take a printout.

How to check Property Records and Land Records online in India?

Apply Offline In-Person

To apply for a Property Certificate in person, the applicant has to visit the nearest office of the Directorate of Town & Country Planning. Please use this link to get contact details: Link or refer to the “Office Location and Contacts” section of this page.
Visit the office and get an application form for a Property Certificate. Or download it from the following Link to the Application Form and Related Documents
Complete the application form with appropriate information under the relevant sections. Please refer to the “Required Information” section for more details.
Once completed, make sure to attach all the documents listed under the “Required Documents” section of this page.
Pay the nominal fee of ₹1000 and attach a challan for ₹50.
Submit the completed application form and its attachments to the relevant authority at the office.
Post submission, the application form will be forwarded for verification.
Once all the internal processes are over, those who have applied for the Property Card will receive an SMS alert, which informs the applicant about the current status of the Card.
The applicant can collect the certificate in 2 to 3 weeks after due verification from the nearest office of the Directorate of Town & Country Planning or from the local panchayat office.

Documents Required for Property Certificate

Application Form for Property Certificate
Notarized Affidavit (₹10/-)
Statement of Applicant with one Photograph (to be filled in by applicant)
VRO Enquiry Report (to be filled in by the Office)
RI Enquiry Report (to be filled in by the Office)
Property Certificate (2 Copies) (to be generated by Office)
Documents Filed
Challan for ₹50/-
Sub-Registrar Valuation Form
ROR 1-B/Adangal/ Registration or Succession Documents
Ration Card

Property Card Websites

Gujarat Website – https://e-milkat.gujarat.gov.in/GeneralReport.aspx

Maharashtra Website – https://bhulekh.mahabhumi.gov.in/

Mumbai Website – https://prcmumbai.nic.in/jsp/propertyNew.jsp

Fees Associated with a Property Card Certificate

The cost varies by state and municipality. Common fees include:

Application Fee: ₹100 – ₹500
Processing Fee: ₹500 – ₹2,000
Urgent Processing Charges: Additional ₹1,000 – ₹3,000

Benefits of Having a Property Card Certificate

Ensures Transparency: Clear ownership records reduce fraud risks.
Simplifies Legal Transactions: Required for buying, selling, or mortgaging property.
Aids in Government Processes: Useful for property tax calculations and municipal planning.
Enhances Investment Security: A verified document adds credibility when applying for home loans.

How to Update or Correct a Property Card Certificate?

If errors exist, follow these steps:

Visit the local municipal office.
Submit an application for correction or update.
Provide supporting documents for the requested changes.
Pay the necessary correction fee.
Await verification and issuance of the updated certificate.

What Does the Property Card Include?

This isn’t just a fancy title; it’s a treasure trove of info.

Expect to see:

Owner’s name
Survey number and CTS number
Property boundaries
Type of land use (residential, commercial, etc.)
Details of any loans or disputes
Area in square meters or hectares

Property Card vs 7/12 Extract: What’s the Difference?

Feature	Property Card	7/12 Extract
Location	Urban Areas	Rural Areas
Use	Land ownership details	Agricultural land records
Maintained By	City Survey Department	Revenue Department
Document Type	Urban land record	Village land record

FAQs

1. Can I apply for a Property Card Certificate online?

Yes, many states offer online application services through their official land records portals.

2. How much does it cost to get a Property Card Certificate?

The cost varies but typically ranges from ₹100 to ₹2,000, depending on the state and urgency.

3. What if my application is rejected?

Check the rejection reason, rectify the issue, and reapply with the necessary corrections.

4. How long is the Property Card Certificate valid?

It remains valid indefinitely unless there are ownership changes or updates required.

5. Can a legal heir apply for the certificate?

Yes, legal heirs can apply by submitting succession documents and proof of inheritance.

6. Can I apply for a Property Card Certificate without a sale deed?

Nope. The sale deed is the primary document proving ownership. Without it, the process gets tricky — you may need additional legal documents or verification from the revenue department.

7. Is the Property Card the same as the land title?

Not quite. While it supports your ownership claim, it’s not a substitute for the legal title. Think of it as a snapshot of ownership rather than the full ownership chain.

8. How long is a Property Card valid?

There’s no official expiry. However, you should update it after any legal changes like inheritance, resale, or subdivision of property.

9. What if there’s a name mismatch in my documents?

It happens. You’ll need to submit an affidavit, along with supporting documents like your ID and proof of change (like a gazette notification).

10 . Can I apply on someone else’s behalf?

Yes, but only with a valid Power of Attorney. The authorities won’t entertain random third-party applications without proper authorization.

11. Is the property card mandatory for selling my property?

Absolutely. Buyers will want to verify your ownership. Having a property card makes the sale transparent and risk-free.

12. Can I apply for multiple properties at once?

You sure can, but you’ll need to fill out separate applications for each property. Don’t try to bundle them—it’ll just slow things down.

13. Is there a difference between a property card and a mutation certificate?

Yes. A mutation certificate reflects changes in ownership, while a property card shows the current legal status of the land.

14. What if my property details aren’t available online?

That’s common in older properties. You’ll need to visit your local land office and ask for manual assistance or physical records.

15. Are digital copies legally valid?

Yes, especially if they’re issued through official portals. They often come with digital signatures or QR verification to prevent fraud.

By following this guide, you’ll navigate the application process with ease, ensuring your property is well-documented and legally secure!

Final Words

As per me, it is a very good initiative that will surely help in the following ways –

Reduce/remove fraudulent transactions.
It is a step towards the digitalization of property records.
Prove the authenticity of the Property owner.
The record can be accessed online anywhere anytime.
A handy property card/smart card will make the life of a property owner easy as it is easy to carry.
Record keeping also helps in preventing revenue leakage.

Solve your NPS Queries via WhatsApp – Know How?

Investment

Shitanshu Kapadia

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July 8, 2022

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Now you can solve any NPS-related queries using WhatsApp. You need not visit the NPS office. The National Pension Scheme (NPS) backed by the Pension Fund Regulatory and Development Authority (PFRDA) has launched a WhatsApp service for NPS subscribers. The NPS Trust shared on Twitter, “Dear Subscribers, NPS Trust is on WhatsApp now to address your queries on NPS!! Connect with us @ 918588852130.” It is a chatbot solution that provides information on WhatsApp.

NPS is National Pension Scheme backed by the government. It is a low-cost investment product that offers market-linked returns and tax benefits. Any Indian resident aged between 18 years to 70 years can open an NPS account. NPS accounts can be opened online as well as offline via Point of Presence (POPs) in banks.

There are two types of NPS accounts Tier I and Tier II. For more information about NPS accounts, you can refer to my earlier post – How to open eNPS account online?

eNPS website offers services such as changes in scheme preference, withdrawal, altering investment options, and redeeming the investments during exit. Now with the new WhatsApp service available, investors can post their NPS-related queries from the comfort of their homes.

Solve your NPS Queries via WhatsApp – Know How?

Here is a step-by-step process to solve your NPS queries via WhatsApp.

Step 1 – First save +91-8588852130 in your contact list. Open your WhatsApp chat and send a “Hi” message to the NPS mobile number +91-8588852130.

Step 2 – You will get a list of options on WhatsApp. This includes NPS, PFRDA, APY, PF & Contribution, PRAN & CRA. Select the appropriate options and you will be taken to the respective services.

Step 3 – If you select NPS you will be prompted with options such as contributions, eNPS, changing investment patterns, exit, and withdrawals. Post your query as per requirement.

Step 4: If your query does not match the options given in the list, you can click on the “Need More Help” option. You will get a reply from the NPS Trust saying, “Please mail your queries to grievances@npstrust.org.in or contact us at 011-47207700 for us to assist you with a response to your query!”.

If you still need further help, you can call on the eNPS NSDL helpline number 022-2499 3499. Alternatively, you may call on the toll-free number 1800 222 080 from your registered mobile number for more information.

Over to you

Overall this is a very good facility that will help everyone, especially elders in solving their NPS-related queries at any time, anywhere.

10 High Income Skills 2026

Skills & Productivity

Shitanshu Kapadia

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June 26, 2022

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Go to school get good grades and get a degree or get a diploma and you will be successful in your life.

I think you have heard this story before and probably you have already recognized that a dead dog doesn’t hunt right you also recognize that things have changed having a degree having a certificate and having a diploma is probably not going to get you to where you want to go.

If that’s the case why are so many students who graduate they’re struggling to pay off just a student loan why they are not getting a good job??

I truly believe that we have shifted from a job economy to now what I call the skill economy it is not the degree that pays the bills it is the high-income skill that pays the bills so today I want to share with you 10 high-income skills that I believe that will help you to become rich and successful.

It is not easy to learn these skills but if you learn these skills believe me it will pay off forever.

Now, in case you don’t know what a high-income skill is I define high-income skill as a skill that you could develop in a short period that will make you a minimum of $5000 a month. Basically, seven figures a year without a degree.

That’s how I define high-income skills. Now notice, I did not say a high-income job.

I’m not talking about a high-income job. I’m talking about a particular skill set that you can bring value to the marketplace in exchange for money.

So let me share with you 10 High Income Skills.

High Income Skills 2024

High Income Skills 2025

#1 AI & Machine Learning

AI & Machine Learning are Top High Income Skills nowadays. The Market of AI is growing exponentially. If you develop AI & machine learning skills you can make a decent income.

Now, why this skill is this a valuable? Why it is a high-income skill? Because we live in an AI and Digital era. Companies are spending a lot of money on AI, machine learning, and automation. Learning these skills gives you an edge over others.

#2 Closing Skill

Closing is the ability to convince or to persuade someone in person or on the phone to buy from you it is very very simple.

Now the challenge is most people have a negative association with the word sales. They think sells is such a bad thing it’s if there are a lot of negative feelings towards sales or closing but in life, if you don’t know how to communicate if you don’t know how to articulate your own value well it’s very very difficult for you to get anything or to get ahead in life and closing it’s not taught in school there’s no closing now when it comes to closing the key is I would recommend don’t just close for low ticket items

something that’s a thousand or two thousand rupee to be successful to earn more money you should focus on high ticket closing something for fifty thousand or lakhs of rupee because your commission from there will be much greater compared to you which is closing a low ticket item.

#3 Consulting Skill

Consulting skills is a very good high-income skill because of the complexities because there are so many changes that are happening in the business world companies need help they need guidance they need advice need consultants.

I’m talking about social media consultants it could be management consultants it could be leadership consultants it could be sales consultants it could be technical consultants there are so many areas a business needs consultants so consulting is a very very valuable skill to develop the great thing about being a consultant is you don’t need a lot of money to make a great living if you’re charging a retainer meaning you’re charging a monthly fee to consult with a client and if you are high ticket you only need in some cases a couple of clients to make a solid seven-figure income so consulting is one of those very very valuable skills that you want to look into in this skill economy

#4 Coding or Software skill

Now with so many tech companies with so many apps, the marketplace is hungry, hungry for good coders good people with good coding skills I mean I spend several thousands of rupees on coders and software developers for my company and we’re always looking for good people so coding now when it comes to coding is it better if you start early to learn how to code if you are in middle or old age it’s not so easy but for young people, it is an area that will always be demanding and always pays money.

#5 Cyber Security

Cyber security or Information security is a high-income skill. Most companies online and offline hire information security specialists.

The specialist can help companies to defend against threats, data leakage, and cyber-attacks.

The usage of the internet is growing and it poses a high-security risk. Every day we keep on hearing incidents about of hacking and cyber-attacks.

It is not easy to become a cyber security professional but I am 100% sure that cyber security is an extremely valuable skill that can get you a very good income year on year.

#6 Funnel Building Skill

I am not talking about building a typical website. I am talking about building a sales funnel. It could be a webinar funnel it could be a landing page it could be a lead magnet funnel all these terms if you understand that’s okay but there’s a huge market out there for people looking for funnels meaning they’re looking for a way to take the attention to take the traffic and convert that traffic on the internet into sales and if you are someone with that particular skill set that can help them to do this you could earn a lot of money be very successful with this again companies out there they’re constantly looking for ways to increase sales. If you have the ability to provide this service funnel building skills are a very valuable skill. The funnel building has some specific requirements. You need to be a good copywriter you have to have some copywriting skills maybe you have some designing skills because of different elements on a funnel right so if you think about this particular skill set or other skill sets in some cases that it is a skill within a skill right you need different skill sets in combination combined to be able to perform this particular skill set.

#7 Public Speaking Skill

Public speaking is a very good high-income skill. Public speaking requires a lot of confidence, knowledge, and skill to connect and articulate things.

You see today most of people are afraid to present they are afraid to speak to groups and that’s what makes public speaking so valuable.

Companies and organizations are always looking for speakers and they’re willing to pay a good premium for good speakers. But public speaking is not easy to develop because most people are afraid of rejection they’re afraid of public embarrassment but if you could overcome that and you have expertise that is valuable to a corporation and company, public speaking skill is a great skill to master.

#8 Chatbot Marketing Skill

Now, what is a chat box now if you think about email back in the old days we still have it we have what we call an autoresponder meaning is a series of emails pre-written in a sequential manner so when you opt into something when you are on a website you give your email name and address to get more information in a period you will get these automated messages from the vendor or the business.

Chatbots are extremely powerful. They can reduce the manpower for the business. There is a huge demand out there for this chatbot marketing skill why because everything is shifting to mobile.

Chatbot Marketing is a new high-income skill that is in demand and most people don’t even know that it exists now to be a good chatbot kind of marketer you will need to have some copywriting skills as well as some basic kind of organizational or technical skill but it’s not complicated it is learning a boat. Now it’s going to take some time it’s not easy but it is learnable.

#9 System Skill

System skill is very good high-income skills. Because of now with technology companies also need a lot of expertise they need someone to come into the company to help them organize different things in different aspects of the business. It could be their processes. It could be their work culture it could be their process flow there are so many things that they need someone to come in even for projects right so system skill is a very valuable skill to have especially if you can specialize in a certain area. Companies are going to pay top dollars for someone with this particular skill set you’ll always be in demand

#10 Digital marketing skills

Now, this is a no-brainer I’m talking about Facebook. I’m talking about social media and talking about Instagram. I’m talking about e-commerce anyone with digital marketing skills good one not an average one.

Good digital marketing skills will always be in demand. Now with digital marketing skills again it’s a skill with skill. To be a good digital marketer you need a variety of skills to be copywriting would designing could be a little bit of coding. That’s right because you need to combine different skill sets together and if you’re working with a client then you need the ability to close to get those clients who are willing to pay you on a monthly basis all for a big project you need that kind of skill as well to write the proposal to write the plan you need copywriting skill so that’s what we’re talking about.

10 High-Income skills that you may not be aware of that are hard to learn but will pay off forever.

Now I want you to understand something here skill equals income.

Skills = Income

You require a skill to pay the bill it does not matter what degree you hold. A degree alone cannot pay the bills you require a skill that pays the bill.

You have to learn these skills to make more money to become rich. Which skill set do you feel resonates with you? Which skill do you want to learn today?