Model flat of my newly purchased 2 BHK flat

We have choosen an ongoing project from one of the reputed builders based out of Banglore the silicon city of India” and I am pleased to share some of my experiences during the process of booking until signing the sale agreement of the flat. Below listed is the basic information on how to plan and what are all requirements that one should be aware before investing on properties. This may help someone who wish or plan to buy an independent house or a flat. Kindly skip if you feel this topic as irrelevant at this point in time. Thank you.

Basic check list for choosing the flat:

1. Decide the budget

2. Choose the location

3. Research on builder reputation

4. Site visits (can be multiple)

5. Review, research and word of mouth can be better option

6. Check list of clear titles of the property (Land documents)

Here is a list of crucial documents that must be verified while purchasing an under construction property: Bangalore specifically

1. Sale deed
2. Completion/Occupancy certificate
3. Building/Plan approval
4. Encumbrance Certificate
5. Mutation certificate
6. Tax paid receipt
7. Khata
8. NOC from Builder, BWSSB, BESCOM, etc
9. Approval from local administrative bodies such as BBMP, BDA, BMRDA, etc

Below link has the information about clear title and on what type of documents to be verified while planning to buy an underconstruction apartment.

Below link is highly recommended to go through on how to plan your home loan with less EMIs effectively. This is from one of our co-blogger Mr. Lizo from the page Mango People.

How to reduce the home loan EMI

Below details are all about my personal experiences on how the financial problems impact one’s lives in long term if self earnings are not planned and spent appropriately. One must be self conscious while spending hard earnings carelessly and ensure to use only on useful and worthy choosing to be offerdable. Please skip if you feel irrelevant.

I feel proud to share this big news but there’s something else bigger side of my bitter experiences on how we spent on unnecessary things which caused us a long term financial trouble. This was because of insufficient knowledge or inappropriate plannigs ‘cos of someone else’s force or desire of constructing a house in the village just for a kind of guest visits once a year and no one had plans to go back and settle at the place they left 40 years ago and availing personal loans on some emergency needs, instead we could choose other options. Personal loan interest rates are very high compared to other ones. I may pen a different post on these.

Life always throughs at some sudden surprises as a test or to show it’s taste of sweetness or bitterness. Of course that’s what the meaning of life which makes us strong and serene through coming days. After years of struggles with the grace of God, I am on the track with greatest lessons learnt that this beautiful life taught me and I am thankful to God first of all for showing me the right path to do something for myself and my little family first time ever apart from basic necessities.

During my 10 years of professional career, I only know how much I earned but the expenditures by those who were fortunate to spend and fulfill their needs ‘coz I only had to abide to some weird customs and forced adjustments for helding an accountability being a common woman with multiple roles. It’s again a vast or waste topic and I don’t want to dump your heads with my personal stuff but to make you all alert on such plans and decisions that you make with your own earnings. We must have right to spend on things which are worthy and not for the sake of others.

All these experiences have really gave us better knowledge to take a step forward to plan and purchase this flat with offerdable EMIs keeping some back up arrangements in mind apart from current jobs we are earning from, which are no guaranteed as automation is hitting many lives. Of course we can keep up these things by upgrading ourselves to the changing technology and I am in plan too.

EMI Back up and planning:

1. Firstly we have choosen a project which has offered no Pre-EMI cost until the possession

2. After possession with guaranteed rental returns of the same flat which is equal or more than our EMI

3. Our Mumbai house which is already helping us with some rental returns

3. Along with above, one long term SIP investment that we have already started 5 years ago which balances the interest rate of home loan

4. Making sure to clear any other outstanding loans or EMIs by the time of possession to ensure we will have only one loan with less burden

Gallery 1 & 2nd would be for guest bedroom
Open Kitchen
Living room
Master bedroom
Common bedroom
It’s 1 BHK with least sqft space but our’s is 2 BHK, couldn’t get vedio of that ‘coz we swapped our choice from 1 BHK to 2 BHK
(fully furnished)

Note: Today is a special day not because I born but b’coz my parents have choosen a random date to be my birthday that’s what is the 1st August. My life has so many weird, special and unique things ha ha…Only God knows when, why and the reason of my birth but it has a great meaning to be a blessed Mom of 3 years old pretty Princess and this life is just to battle & survive only for her. Another special day is International Friendship day. Wish you all a very happy friendship day.

My Garden of thoughts and feelings, sow a seed of good deed if you visit. Thank you, Suma ✍❣

120 thoughts on “Model flat of my newly purchased 2 BHK flat

  1. I came to Banglore so many times suma …congratulations for purchasing new flat πŸŽ‰πŸŽ‰ you wrote good information regarding whichever needs to documents during flat purchage and all details…you done good work …it”s help to new house buyers …appreciate it πŸ‘

    Liked by 6 people

  2. Oh my sweetie..! My loves and prayers for you my dear princess..! I’m very happy for you..! Happy friendship Day my sweetie..! Love ya..! And miss you..! And big congratulations for you my princess..! I wish I will come Bangalore and live one day with you and the sweet little princess..! And Happy brithday my sweetie..! May upcoming years bring you blessings and happy..! Come on..! Let’s dance..! Let’s party..! And I loved you new flat my dear..! Woww!! It’s looks truly fantastic and beautiful..! I’m truly happy for you dear..! My prayers for your family..! Have a joyous and beautiful day my princess..!πŸ€—πŸ€—πŸ€—πŸ€—πŸ’•πŸ’•πŸ’• Love ya..!😍😘😘

    Liked by 5 people

    1. Wow sweetheart, soo much of happiness to read your sweet, cute n lovely wishes my dearest one. Thank you very much Cinderella. ha ha dance?? My kido does better than me. Plan any time n visit us dear. You are always welcome. You n the little one can dance n enjoy together ❀❀ πŸ₯°πŸ€—

      Liked by 1 person

      1. Woww..! I’m flattered by your words my dear Cinderella..! You’re very welcome dear..! It’s absolutely my pleasure..! Sure my sweetie, I will visit you one day..! Yeah!! Me and my sweet little princess will dance..! WOOOHOO..! You’re a sweetheart..!πŸ˜˜βœ¨πŸ€—πŸ’•πŸ’•πŸ’•

        Liked by 1 person

  3. Having our own home is a dream come true indeed. Congratulations on your home. Also a very happy birthday and happy friendship day to you. My husband and I plan to buy a flat in Bangalore sometime in the near future. This was a really helpful post. I loved the view into your future home. Which area of Bangalore is this, if you don’t mind answering.

    Liked by 4 people

    1. Thank you very much for your lovely wishes Shweta. It’s near white field and you must be knowing the the builder as well “Sowparnika Projects” dear. Yes its really good and well integration plan in 5 acres almost which has studio, 1, 2 & 3 BHK flats with all amenities. You can research or let me know if you require any details. Good to hear about your plans wish you good luck dear πŸ˜‡β€

      Liked by 2 people

      1. You’re most welcome. Oh that’s great. Yes, I have heard of those builders. Thank you for letting me know. Whitefield is too far for me πŸ˜‚πŸ˜…
        Thanks a lot for your wishes and for your tips 😊

        Liked by 2 people

  4. Such a beautiful narrative Suma… subtle emotions flowing … and leaving some nice lessons for the reader.
    Firstly, many happy returns of the day , may God be with you always and you succeed in all your endeavours..
    Secondly, heartiest congratulations on your booking the flat. It is a life time investment and needs a thorough need analysis and finance planning. Yes, woman in our county at times do not have say on their own hard earned money. Every one should have the right to spend their money on what they need most.
    Stay blessed Suma, you are really a beautiful person.

    Liked by 3 people

    1. Your views and lovely wishes are precious and priceless dear Krish. Your emphasizing n kind words always makes me feel better. I am so much thankful n greatful for your heartful blessings too. Means a lot to me πŸ˜‡πŸ™πŸ™πŸ™

      Liked by 1 person

  5. Belated happy birthday, Suma. πŸŽ‰πŸŽ‰πŸŽ‰ Virtual cake smashπŸŽ‚πŸŽ‚….πŸ˜„
    Congratulation on booking the flat. Always a dream come true.
    Gonna keep those “EMI Back up and planning” tips as a starred notes.
    Good luck with your future endeavors.

    Liked by 4 people

    1. Hi Abhi, it’s not belated today only. Btw thank you very much for your smashed cake πŸŽ‚ 😊 and beautiful wishes. Glad you found some useful stuff. May all your dreams come true wish you good luck for your further tooπŸ˜‡β€


  6. So many special celebrations sweet Suma. Happy birthday to you and congratulations on your new flat. I also love learning that you have a little princess. πŸ‘ΈπŸΌ πŸŽ‚ πŸŽ‰πŸ™ŒπŸΌ Enjoy your week!

    Liked by 4 people

    1. Thanks a ton for all your beautiful wishes dear Michele. I am always thankful and greatful for your lovely heart. Wish you too a very happy n joyful weekend πŸ˜‡β€πŸ€—

      Liked by 1 person

    2. Thanks a ton for all your beautiful wishes dear Michele. I am always thankful and greatful for your lovely heart. Wish you too a very happy n joyful week πŸ˜‡β€πŸ€—


  7. Dearest Suma..I wish you a wonderful year ahead with many blessings awaiting for you. Happy birthday dearie. πŸ’πŸŽ‰πŸŽŠ Happy friendship day too. πŸ’žπŸ’˜
    And lastly… Congratulations on your new flat. It looks beautiful. See your new year has already started with showers of blessing!!! Stay well dear. Much love ❣️❣️

    Liked by 3 people

    1. I feel like just my celebration started my dearest. Such a beautiful n lovely wishes sweet ❀ with your amazing words and wishes I am much excited to get into new year soon. Thanks a ton for your sweetest showers of blessings dear. Loves to you. Happiest friendship day my special one, thanks for being there ❀ πŸ’• πŸ€—πŸ₯°πŸ˜‡β£

      Liked by 2 people

  8. Congratulations on your new home 🏑
    Blessings on your πŸŽ‚ πŸŽπŸŽ‰πŸŽˆπŸŽ† (belated Happy Birthday)
    Thank you so much for sharing your plan and the parameters to consider to buy a house.
    You have described in Full.
    Very well. One can get benefited from your post.
    Wish you a very Happy time ahead. You are very sweet girl.
    Stay blessed always. You are extraordinary. Be happy always 😊

    Liked by 1 person

    1. Hi Sir, hope you had a happy time with family and great time of your family vacation. I am soo overwhelmed to read your wonderful and lovely wishes. You are soo precious and my happiness is priceless to receive your blessings. Thanks a ton for everything. My heartfelt respects and Pranam πŸ˜‡πŸ™πŸ™

      Liked by 1 person

      1. Yeah our tour was very nice. We are fine. Thank you.
        Congratulations again for owning a flat here in Bangalore.
        Stay Blessed.
        Best wishes


  9. Congratulations, Suma, on your birthday. Wish you many many happy returns of the day. It’s great to have a Sunday to enjoy happiness. Happy friendship day too. The design of the house is really good. Many many congratulations on this precious possession. Stay blessed πŸŽ‰πŸ’πŸ’–

    Liked by 1 person

    1. It’s truely a great feel and I am so glad n blessed to receive your lovely wishes and blessings Sir. Happy friendship day to you as well. Thanks a lot for everything πŸ˜‡πŸ™πŸ™

      Liked by 1 person

  10. Wow, so many exciting things Suma and then life gets in the way right?!
    First of all Happy Birthday my beautiful princess and on Friendship day no less. How could it be otherwise. As you mother your sweet princess in your beautiful hone you have so much to be grateful for. I LOVE you flat and beautiful decorations with Buddha looking on with such beautiful elements of nature bringing the outside in. Trials and tribulations come with the package and you have sure learned a lot. I love your attitude and your keep on keeping on weay.
    Blessings to you and all you love .. especially your little princess.. and mine.. YOU.

    Liked by 2 people

    1. Oh! dearest queen of my heart. Each of your lovely wishes n words are magical strength to me. Words aren’t sufficient to respond. My love and respect to you always. Sooo sweet of you my dearest sweetheart. I am so glad you liked it. Yes, with the strength n grace of God I have learnt to accept whatever or whichever package life offers me but never compromise with my hard work n dedication coz life taught me so much n learning is never ending process though. Your blessings for us are very precious n priceless. Thanks a ton for everything lovely one πŸ˜‡β€πŸ€—πŸ™πŸ™πŸ™πŸ™

      Liked by 1 person

      1. Oh you are so welcome and it is my pleasure my friend. You are a hard worker and so dedicated it shows in your words and heart. Have a great night my friendπŸ’–πŸ’–πŸ’–

        Liked by 1 person

    1. Oh! My sweetest friend. I am so glad to see you visiting n wishing with all your heart. Your wishes n words mean so much special to me. Thanks a ton with lots of love πŸ₯°β€πŸ™πŸ€—

      Liked by 1 person

  11. Happy birthday SumaπŸŽ‚πŸ¨πŸŽand congratulations for Your new flat, which I know is a dream project come true for many of us.
    Very well worded information, is really going to be of great help, The best you get to know from personal experiences only, thank you for sharing dear.😊😊😊😊😘

    Liked by 3 people

  12. Wish you a very happy birthday πŸŽ‚- Belated.
    And Hearty congratulations and happy celebration on the new home 😊
    Time and tide wait for no one and the best decision is made by you after going through the rollercoaster ride.

    Liked by 4 people

  13. Beautiful flat. I like to live in a small flat. The information you provided is of great help to anyone. I just wish to know the name of builder so that my process becomes faster. Hope you will not hesitate to provide this information.

    Liked by 2 people

    1. Yes, it’s a grace n gift from the God for my years of struggles. Thank you very much for taking your time to visit n share such a lovely wishes Sir ji. πŸ˜‡πŸ™


  14. I am wishing a bit late, but it doesn’t mean that I love you less. Take my sorry, for the delay; I really hope that you had a wonderful day.
    Chlo ab ye bataye b’day ki party or nay ghar ki party kb milegi😜

    Liked by 2 people

    1. Never mind bro, my dearest bro is late but always latest with sweetest comments n wishes. No sorry no patry. B’day bi gayi aur Ghar ki party to aur bahut time hai mere bhai. Thank you much for the sweet wishes n kind comment bro. πŸ˜‡ β€πŸ™πŸ™


  15. Happy birthday & Happy friendship day. Most of congratulations for new house buy. Nice information share by new house purchase time. Good idea share.I like. I am so happy.πŸ‘

    Liked by 1 person

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