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   How much I save to possess a home?

1.In the case of you have a permanent and steady job history it will be much easy to approach a bank or home lender to get loan assistance. Most of them are willing to pay 80 % of the cost and it depends upon the repayment capacity.And certain advantages also you should notice:

1.Property values


3.Safety measures both inside and outside of the building

4.Future developments in the area

5.Proximity to railway station, bus stand, schools, hospitals, super markets etc

   What is the difference among Carpet area, Built up area and Super built up area?

1.Carpet Area: Carpet area refers to the total usable area within the four walls of an apartment or a commercial space as the case may be. It is the actual usable area which the user gets to use. In other words it refers to the area for which a carpet can be laid.

2.Built up Area: Over and above the carpet area, BUA would include the space covered by the thickness of the inner and outer walls of the flat.

3.Super Built up Area: This includes the Built up area along with the area under common spaces like lobby, lift, staircase etc.

   Who is liable to pay Stamp duties?

1.The liability to pay the stamp duty is that of the buyer unless there is an agreement to the contrary.

   Which are the instruments that attract the payment of the stamp duty?

1.The instruments like agreement to sell, conveyance deed, exchange of property, partition deed, power of attorney, transfer of lease attract stamp duty on market value of the property.

   What are the tax implications on sale of any residential or commercial property?

1.You will be liable to pay the tax on the profit arising out of the sale of a residential of commercial property, which comes under capital gains.

   What is meant by the market value of the property and is stamp duty payable on the market value of the property or on consideration as stated in the agreement?

1.Market value means the price at which a property could be bought in the open market on the date of execution of such instrument The prices are determined and published by the government. Stamp duty is payable on the agreement value of the property or the market value whichever is higher.

   What all areas one should check to verify the builder on buying a flat from a builder in a building under construction?

1.Approved plan of building along with number of floors

2.Ensure that the floor that you are buying is approved

3.Check the land in which the builder is building his or he has undertaken an agreement with a landlord

4.Check the specifications given in the agreement to sell of the sale brochure

5.Reputation of the Builder

6.NOC from the legal Proceedings

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