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 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 youfeel 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.
EMIBack 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
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 ✍❣
Life is to live and move forward whatever we go through or wherever it plants us, isn’t it?? We should not filter and await only for the good and happy moments. Ups and downs in life won’t come up as we plan, we should always be positive and prepared to face any situation that comes in our way and become a life’s warrior. If we still don’t find the right way, just have to make the one by clearing all the obstacles and make the life smooth but never rough out of the tough situations.
God is what the truth and right path we should always trust and walk along, with prayers.
“Past is a history, future is a mystery, present is the presentation” that any one can make most out of it to become a better and happy person. I still remember this beautiful quote that I planted strongly in my mind from the book of ‘NLP‘ which I red when I was in my high school but I have my own views around it as mentioned below.
Do not become a victim of your past, just look back and say thanks to it for making you the strongest person that you are today. Do not worry about the future but always have better plans in place to sharpen and shine your consciousness carefully with the lessons learnt in the past. Present is what you can represent and present yourself to the fullest to live the life in a right way correcting and implementing the past learnings. Of course life never stops teaching.
Each phase of life is very important but we must eliminate the negativity to make it meaningful. Your life has a value, do little bit of good where you are, that’s going to be worth living and being loved by the people surround you. Be courageous, this would be the quality of a warrior.
You should be the person what you become and not the one what happened to you. Fire off the past, owe yourself and affirm that no one can break or destroy you for the person you became today by building with the bricks of struggles, pouring of problems, years of tears and only with the strength of ‘God’. Amen!
Isn’t it breathtakingly beautiful to know that you have learnt so much to grow flowers from the garden of dreams and memories that were died long time ago? Yes of course, just smile at those who laughed at your troubles at times, let ‘Karma’ take care of them. You just be a go getter to succeed and move forward in your journey of life.
To grow through from what you go through, just trust and stick to your own instincts and the word of God, no one can cast a shadow over your Sunshine. Keep smiling! keep shining!
My Garden of thoughts and feelings sow a seed of good deed if you visit. Thank you ✍❣
At this moment as the night brought me some peace, I rewinded my day to conclude and enter in to the new morning. There were some mixture of thoughts over my head reminded me to thank God for his Grace.
Night is the precious time that God has created to rest our minds and listen to our heart’s wishperings. It’s the best time to filter our thoughts, target our troubles and thank god for all that is good in life. We can take a time to know that all the worst and best days are respectively not bad and good but God’s grace works any way. Both situations will remind us to confess our sins, find a quiet place to reach him or pray him for all his grace by praying and thanking for keeping us in his arms always.
I know the difficult times are the worst disappointments but God’s plans are always more beautiful than anything that we go through. Always remember, before getting in to expectations and perfections in life, ensure to thank God for all that you are blessed and existed. whenver you feel like falling and slipping, don’t forget that God’s Grace and Mercy would lift you right back up again and restore all your strengths.
To know more and deep about God’s Grace, one should grow through the root of it with strong faith and belief onto god firmly. One should always knock to ask and seek for the needs, keep thanking for all that you have in life. If you look back to realize the way you walked along to the present, god must have proven many things with his grace and sought you out by breaking to the new reality.
Devinity for the sake of simple-minded is beautiful. It is not the law of religion nor the principles of morality that define our highways and pathways to God; only by the Grace of God we are led. So begin this new day, new hope and opportunity with joy and prayers in your heart to receive more abundant blessings and the “Grace of God”. As you walk your way this day, may you walk in faith and belief to make each moment brighter by his glory.
Grace is a love, devine power and a vital piece of our existence that’s derived from the God. Today take some time to focus on the word “God’s grace” and allow God to reveal himself to you in a whole new way. Here’s a beautiful quote: those who leave averything in God’s hand will eventually see God’s hand in everything. God bless you!
My Garden of thoughts and feelings, sow a seed of good deed if you visit. ✍❣
A man knows very well that there must be something when a woman says nothing. Isn’t it?? Please read it, you may like it by recollecting your similar scenarios. I would cherish your shared thoughts as my sweetest memories.
He: on mute 🔇 no notifications 🔕
She: Hello, are you there?
He: Yes I am, what’s wrong??
He: Sure?? There must be something
Here’s what her meaning of nothing.
Strong meaning Deep feeling Under the ceiling Upon the bed laying My silence is singing My thoughts are dancing My heart is missing I am searching,
Is it with you?
It may be pleasing It may be playing Blowing out bubbles Picking up love pebbles
Do you get angry? Do you hurt it? It's blood is postive But is very sensitive And duble creative Your heart is it's native
Never ever hurt it I deeply mean it I serve you from it I love you from it
Strong meanings of deep feelings in missing love
He:you are so sweet, thank you.
Man is always a man who overwrites a woman's paragraph of feelings in a single word or sentence.
My heartfelt thanks to God in first place and then each one of youmy rare, kind-heartedand lovelyfriends from the world all over. I would like to take this opportunity to appreciate all the valuable time you contributed to read my thoughts and feelings sharing your precious and precise views always on my writings. I would surely cherish all of your shared thoughts as my sweetest memories which are in the form of comments.
Thanks to WordPress.com as well.
I am never a competitor to any nor I compare myself to any, of course I am not purely here to earn money but to share the little knowledge through “my Garden of thoughts and feelings”. I didn’t even know why, how and when did I started blogging, just guessing may be in Sep’20. Not only this blog, many things in my life happens without plans crashing all my scheduled plans. But I strongly believe that there must be a reason behind every move of my life.
I trust this must be the God’s plan or blessing that made me to be here on WordPress.com meeting all of you who read me for what I am with no criticism and negativity. God’s plans are always precious but we must not fail to be patient for his right time. I adore the decoram that the entire world maintaining on this writing platform and I did mentioned it many a times earlier.
Of course it’s real time hard to interact with all the 500+ friends as I am not a dedicated blogger and able to split my little time out of my job and other additional responsibilities but making sure to re-visit at least those who are regularly visiting me and some times trying to visit most of you. The great support I receive from all the sweetest fellow bloggers is the strength and motivation to keep writing with new learnings and gaining the knowledge from every blogger out here.
I never cried for FOLLOWERS, LIKES, COMMENTS etc. Because I am not a public figure. But I went through all of your blogs and just started following because each of you are unique in your own ways creating very interesting blogs and I got the same support in return from you all. So this automatically endorsed our work uniting us to like and follow each other. Once again thank you and let’s keep up the same support.
My Garden of thoughts and feelings, sow a seed of good deed if you visit. Thank you ✍❣