Before Purchasing A Property
Property purchase is a significant investment for anyone. While location and price play a huge role in determining your purchase there are a few other questions that you should get answers for before purchasing a property.
Whether you are buying from a builder or single seller, you need to ask these questions before signing on the dotted line:
Carpet Area
Most project only declare the super built-up area, that means you will be charged for a square-footage that you never use including thickness of walls and certain common areas. Carpet area is the true area in which you will be living, so its important to understand how much the carpet area for the space is. As per RERA builders cannot charge you a square foot rate based on the super built-up area anymore. They need to charge you only as per the carpet area hence it is important that you get a clear picture about that.
Quality of Construction
If the builder has previous projects that are completed then inquire with past buyers about the quality of construction. You should also check the tiles quality and the brand of bathroom fittings. If he is using third-party contractors for construction, then check on the market reputation of these contractors about quality of construction.
Other Costs
Generally the price is quoted as square foot rate. It doesn’t include GST, registration charges, club house registration and any other fees. GST has affected the cost of projects a lot. So it’s better to check the final price inclusive of all these charges before making a decision.
Check for Completion or Occupancy Certificates
If you are buying a completed project, demand to see the Completion Certificate before making your purchase. You can also check if all permissions from Municipal authorities have been obtained.
Litigation Issues
If you are buying from a single owner or resale properties, check if there is any litigation or dispute about the property. Even a builder should be able to provide you with the agreements with landowners. Clear papers that show that there is not pending litigations on the property.
Lastly, every builder has a separate payment plan. To plan your payments accordingly. If you need adequate time to apply for a loan, ensure you get a detailed payment plan from the builder so that you manage your finances smartly.
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