FAQS - Yamuna Group

How to choose a Property anybody wishing to book a flat with a developer / promoter in India is expected to keep in mind following few basic points before deciding to book a flat on ownership basis. About the developer/promoter:

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The reputation of the developer
The number of buildings/projects that the developer has completed in the past.
The quality of the construction in respect of buildings completed by the developer
The financial standing of the developer
Adequacy of the technical staff employed with the developer
His past dealings with the customers

"About the title deeds"

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The flat purchaser should be shown the relevant documents regarding title of plot on which the building is proposed to be constructed
The title certificate should be from a reputed Solicitor/Advocate attached to the agreement
The developer should have annexed the description of land in detail in the form of schedule in the agreement
All information regarding the encumbrances should be brought out clearly
The extract of property register card or other revenue record of the land/plot on which the flats are going to be constructed should be attached to the agreement for sale.

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Inspection of Plans/Drawings

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The developer should have got the approval of plans/drawings from the Municipal Authorities / Local Authority
The developer should have shown to the flat purchaser the approved plans/drawings to the flat purchaser
The developer should show to the flat purchaser the copy of commencement certificate (C.C.) and Intimation of disapproval (I.O.D.)

"Area, number of flat etc. "

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The serial number of flat, floor at which it is located, name of building/wing should be distinctly indicated in the body of agreement
The carpet area of flat should be distinctly indicated in the body of agreement
The dimensioned floor plan marking the subject flat should be annexed to the agreement
The plan referred to in (iii) above should be duly signed by developer at the time of execution of the agreement.

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"Amenities/ specifications"

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The developer should annex with agreement a schedule of amenities/specifications (type of construction, flooring, doors, windows, sanitary and water supply, electrical fittings etc.)

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"Nature, extent and description of common areas and facilities etc. "

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The Agreement for Sale should describe distinctly the common areas and facilities (such as entrance hall, foyer of building, compound wall etc.) and limited common areas and facilities (landing in front of staircase etc.), percentage/interest of flat purchaser in common areas and limited common areas/facilities.

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"Possession "

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The date by which possession of the flat is to be given specified in the Agreement for Sale
Provision in the agreement for refund of the amounts due by the developer alongwith simple interest @ 12% per annum from the date of receipt by developer till the date of refund in the event of failure of the developer to give possession of the flat by stipulated date or mutually agreed extended date.

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"Mode of payment "

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The mode of payment of installments should be distinctly mentioned in the Agreement for Sale.

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"Outgoings "

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The developer should mention in the agreement the amounts payable by flat purchaser on taking possession in respect of legal charges, share money, application entrance fee of society, charges for formation and registration of the society and proportionate share of taxes club house, corpus, infrastructure development charges etc.

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"Stamp duty and registration "

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The flat purchaser should be aware about the quantum of stamp duty payable by him at the time of execution of agreement
The flat purchaser should be aware that the registration of agreement in respect of flat purchased from the developer is compulsory
The flat purchaser should be aware of the amount of registration charges payable by him
The flat purchaser should be aware of the fact that the time limit for registering agreement for sale is 4 months from the date of its execution.
For more enquires please send your queries to: info@yamunagroup.in

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"ORGANISING THE BUDGET "

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You must clearly define/prepare your budget as per the needs in order to determine the area/space requirement. This can be done with the existing funds or by selling assets or by taking loan from housing financial institutions.

Things to consider in your budget:

Cost of property (Area and Rate)
Registration charges
Stamp duty
Society Deposits/charges
Legal charges
Brokerage
Value Added Tax (VAT)
Service Tax

The property rates are available from various sources like real estate agents, newspapers, internet, relatives, friends etc. One can avail of the benefits that real estate portals provide regarding price, rate comparison, availability and other details on properties. This will give you an estimate of the budget which is necessary for organizing funds before buying. Personal visit to site office is must. IDENTIFYING THE AREA / SPACE REQUIREMENT after ensuring the budget you can spend on purchasing the property, you need to check the property details. Here one needs to clearly define his / her need from the available funds. You have to identify the carpet area of the property required (i.e. the actual space available for usage). Usually area is quoted in terms of:

Carpet area.
Built-up area.

Built up area are arrived at by adding a certain percentage (called loading) to carpet area. This factor varies from builder to builder and from property to property. You should clearly identify your carpet area requirement and determine what you are paying for.

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"THE LOCATION "

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You have to identify or shortlist a location within the city.

How far it is from your office?
Is it close to the school colleges, Hospitals/medical facilities?
Is it at a walk-able distance from the railway station or bus stop or accessible by Public transport?
Is it in a self contained complex?
Is the surrounding area safe?
Are various services available within a short distance?
What future does this location holds?

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"AVAILABILITY OF AMENITIES"

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Depending on one's lifestyle the following amenities and facilities should be checked.

Is Parking space or a garage available?
Number of lifts available?
What are the society charges for regular maintenance?
Does it have enough playing space for children?
Does it have health club, swimming pool, terrace, garden etc.
Is it near for worship?
Availability of water and power supply?

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"CONDITION OF THE PROPERTY "

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This depends if you want to move in a ready house or under construction.

Whether the building or premises is old or new?
Age of the Building?
Quality of construction (RCC, etc.)?
Is it well maintained and in a good condition?
Are there any leakages or cracks?
Condition of the wiring, roof, walls, appliances?
Expenditure required to bring it in good shape / condition?
Free from Forest reservation/zone.
Does the project have environmental clearance

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