Abhijit Shetty
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Will Sale Agreement have Other Charges (Electricity, Gas, one and half years maintenance etc)
Q: Hi, I have finalized a property and got cost break up from builder as: 1. Flat Cost 2. Stamp Duty and Registration 3. Service Tax and VAT 4. Other Charges Now I'm looking for home loan and for which i need sale agreement based on which i will get 80 to 85% loan. Builder is saying all above charges will be included in sale agreement, but i feel other charges shouldnt be a part of it. What do u say guys?

Latest Answer: Hi here is the complete guide for your query:- Ask your builder for Base price inclusive of some other component, Compare base price of one project to the other, BESCOM charges, BWSSB charges, Inclusive of service tax, Generator charges, Maintenance deposit/Corpus Fund, Car Parking charges, Extra car parking charges, Club house charges, Club house ownership and user, Pool facing charges, Garden facing property charges, Garden ownership and user, Floor rise charges, comparison of each of these charges, Percentage of amenities and PLC v/s base price - is it worth spending, applicable in which phase (Under construction or construction), VAT charges applicable in that state, Service tax charges, What are Registration and stamp duty charges, Charges applicable in that state, Other Legal charges, Khata assessment charge, Percentage breakup, EDC- External Development charges, IDC- Internal Development charges.

Should i buy resale in under construction property?
Q: Hi, I have just given a token amount to builder for a 1 BHK under construction property(possession Dec' 17) and later that evening i came to know about a resale flat in same building but at a lower rate(difference of 5 lacs all incl.) but at a lower floor. So guys need your help in what should i do and what will be the procedure considering below points? 1. I was told that token amount will be refunded if there are any genuine reasons(but it was verbal) 2. Seller is also having a running home loan and i will also go for home loan(with same or different bank). 3. I gave token amount for 19 floor and resale flat is at 11 floor and difference in amount(from builder - resale) is 5 lacs(63L from builder and 58L from resale)

Latest Answer: Thanks Shreya and Jerome for valuable suggestions.

Home loan suggestion: SBI vd HDFC. Pre approved property from HDFC only.
Q: Hi, I need help of you guys again :) I'm looking to get an home loan and finalized 2 banks and not sure which bank to go with, considering both banks fullfill my requurements and property is only approved by HDFC and not SBI. Considering this, what you guys suggest HDFC or SBI?

Latest Answer: we can serve you from sbi kindly ping at 7982616643

Check list and steps to buy under construction property?
Q: Hi, What are checklist to buy under construction home from a builder and how whole process is done considering: 1. i'm first time buyer :) (so a bit nervous) 2. Builder is new builder and has completed 1 project on time with good construction quality and 2 ongoing projects. 3. Possession is on Dec' 17. 4. 2 lacs token amount 5. 20% down payment - 80% loan

Latest Answer: Thanks everyone for your valualble comments.

How advisable is to book top floor from investment perspective with reputed builder?
Q: Hi, I'm planning to buy 1 BHK from Puranik Builder in Kasaravadavali with project name Puraniks Hometown. But at this moment only top floor(7th floor) is available, but i'm cautious in buying top floor considering leakage issue and heat issues in future. Please advise Guys. Thanks.

Latest Answer: Thanks everyone for your valuable comments. As its purely from investment perspective, will there be any issue when selling top floor flat?

Puranik Hometown, Kasarvadavali - Investment advise
Q: Hi, I'm looking at Puraniks Hometown, Kasarvadavli project from investment perspective. As i have low budget and no 1 bhk rooms are available with builder, I'm going with resale. So guys should i go ahead with the project and what should be the best deal for 1 bhk which will have me a good return in next 3 to 5 years?

Latest Answer: Thanks Arup and Padma. But Padma considering lowest rate(Rs. 8600 sq-ft) u mentioned 720 sq-ft will lead me to Rs. 61,92,000, but you are saying in Rs. 60 lacs(all inclusive) i will get 720 sq-ft. It would be great if i get 720 sq ft in 60 lacs if you can guide me to any such dealer.

Investment advise
Q: Hi, I have just started looking for property from investment perspective and found following places as good option but confused on which place will have good appreciation value in next 3-5 years and hope to get guidance from you guys: My budget: 50 lacs Places i think will be good option: Ulwe Roadpali Mira Road Thane(godbunder road) - bhayendarpada Talegaon (Pune)

Latest Answer: Hii Mr., If You still searching for property investment purpose, so you can search your investment area with us we provide you complete details about investment area in Pune according to Place 7 Price. For more details visit this site:- http://www.puneproperties.com

How is Roadpali, Mumbai Navi from investment perspective
Q: Hi, I'm planning to buy a 1 BHK in Roadpali, Mumbai Navi only from investment perspective. How is the appreciaition value for Roadpali, Mumbai Navi in next 3 years. Guys, do suggest if you have any suggestions. Thanks. My budget: 50 lacs

Latest Answer: Hi, I have been to Roadpali once and I didnt find a good project within 40 lacs but I will be visiting again, I am really interested in buying here coz I was quiet impressed by it. Roadpali is a better option with its proximity to Kharghar but good projects are costly. Taloja is ok if you have a low budget...I have invested there in a tower with all amenities and even lived for a few days before renting out the place...all basic amenities are available close by within the node, but commute is a issue if you intend to travel by trains, its far from Kharghar station.

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