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F.A.Q.S

Project Information

1. How to buy a flat?

For most people, buying a flat is one of the biggest buys they make in their life. It involves a huge amount of money. When you put in so much money, you want to be sure that you are making the right decisions and not doing anything wrong. That is exactly what this article will help you with. The actual process of buying a flat is not very complicated. Even if you do not understand it, your seller will be more than happy to explain each and every thing to you. The difficult part is, knowing that you are not being “fooled” or “conned” by someone. This guide will give you all the possible tips and tricks you should keep in mind so that you can make your decision wisely. We hope you find it helpful.

3. Are you sure that the you are going to buy the flat in Built-up area? Do you know the difference of Carpet area/Built-up area and super built-up area?

Carpet area is the actual usable area which the user gets to use.
2) Built-up area consists of area outside your house, staircase, elevator, etc which can constitute upto 25% of the area.As for example if you buy a 1000 sq.ft built-up area, you will actually get to use only 750 sq.ft. 
3) Super built-up is area for the parapet, podium, garden,etc, all of which is charged at market price and can constitute upto 40% of the area. 

2. Choosing your flat - Location!

When choosing the location of your flat, you must consider these questions: 

Is there a “daily market” from which you can buy fruits and vegetables near-by? 
Is there a doctor’s clinic or hospital nearby? 
If you and your family rely on public transport, is there a buss stop, railway station etc. close-by?
If you have small children, is there a playground, park, and garden etc. close-by?
What about post offices, banks etc.?
Does the area have proper drainage, sewage and water supply?
Is there a regular system for garbage disposal in your area?
What about schools, collages, offices? How far are they from the location? 
What will the daily transport cost be?
What is the pollution and noise situation in the area?
How is the neighborhood? Is it a safe place to raise children?
Is the flat designed to suit your needs? 
Is the area of plot is physically same as per in papers shown by the builder?
Is the set back norms followed by the builder as per latest Building bye-laws

4. Is the builder followed approved drawing at the time of construction?

It would be best if you choose a flat that satisfies your needs and also suits your life style. You could use these questions to guide you:
What is the age of the people who will be living in the flat? If they are old, you might want to choose a flat that is on the ground floor or first floor?
If the flat is on a high floor, is there a lift service available in the building?
Does the lift service have a generator backup?
If you choose a flat on the first or ground floor, you must consider the possibility of floods affecting the area! 
If you choose a flat on the first or ground floor, you must consider the possibility of floods affecting the area! 
How are the flats in the society arranged? Is there privacy or can everyone see into your house? 
When people are talking in the flat next to yours, can you hear it in your flat? This would mean that your conversations too will not be private! 
How are the windows of the flat arranged? Does enough sunlight come into the house? 
Is there enough ventilation? 
What are the amenities the society is providing? 
Are there too many corridors in the apartment? You will be paying on basis of area. Corridors eat up room-area! 
Ideally, there should be at lest one common toilet so that the visitors do not have to enter your bedroom to use your bathroom. 
The kitchen, dining room and entrance should be close to each other. This ensures easy serving of food to guests etc… 

Ideally, the building design should include “curtain walling”. It is required to protect against “seepage” problems! 

Check the heights of railings, distance between each railing etc. from the point of view of safety of children.
Try to draw the furniture on the ground and see how much space is left free. Is the house too cluttered? 

8. Do you know about the Pile foundation systems?

about home loans! Please click on hoouseing loan page. Ensure first that the project you have choosen is approved by housing finance institutions. 

5. Check the quality of construction!


It would be a good idea to check up on the quality of construction before you go in for a particular project. Let the following points guide you: You need to check up on the reputation of the “promoter”, “contractor” and “architect” of the construction. Visit other projects by them. Try to find problems and faults in their construction by talking to people. Following points should know before you being a flat owner:-
a) MINIMUM PLOT SIZE SHOULD BE OF 3 KATHA (8640sqft) WITH A FRONT ROAD OF 22 FEET WIDTH TO GET PERMISSION FOR G+3STORY BUILDING.
b) MINIMUM SET BACK SHOULD BE: FRONT- 15 FEET AND BACK-12 FEET AND SIDE-8 FEET FOR G+3STORY BUILDING(11.5Mtr HIGHT).
c) FLOOR AREA RATIO: A BUILDER CAN PLAN TO CONSTRUCT A TOTAL 17280Sqft BUILT-UP AREA IN A PLOT OF 3 KATHA(i.e. 200X8640/100) AS PER REVISED BUILDING BY-LAWS-2006

6. What is the Definition of earthquake-resistant structure?

Building designed to prevent total collapse, preserve life, and minimize damage in case of an earthquake or tremor. Earthquakes exert lateral as well as vertical forces, and a structure’s response to their random, often sudden motions is a complex task that is just beginning to be understood. Earthquake-resistant structures absorb and dissipate seismically induced motion through a combination of means: damping decreases the amplitude of oscillations of a vibrating structure, while ductile materials (e.g., steel) can withstand considerable inelastic deformation. If a skyscraper has too flexible a structure, then tremendous swaying in its upper floors can develop during an earthquake. Care must be taken to provide built-in tolerance for some structural damage, resist lateral loading through stiffeners (diagonal sway bracing), and allow areas of the building to move somewhat independently.

7. WHAT IS THE NEED FOR EARTHQUAKE RESISTANT FOUNDATIONS?

For the purpose of making a building truly earthquake resistant, it will be necessary to choose an appropriate foundation type for it. Since loads from typical low height buildings will be light, providing the required bearing area will not usually be a problem. The depth of footing in the soil should go below the zone of deep freezing in cold countries and below the level of shrinkage cracks in clayey soils. For choosing the type of footing from the earthquake angle, the soils may be grouped as Firm and Soft (AS MENTIONED BELOW) avoiding the weak soil unless compacted and brought to Soft or Firm condition

Housing Loan

There are many different companies that are providing home loans. There are many different offers and features. How do you decide what loan you should go in for? To help you answer that, here are a few things you might want to consider. 

Best way to compare offers:   Go to the different institutions providing housing loans and ask them to calculate and give you the “net” amount of money you will have to pay over 10-Yrs and the “net” amount of money you will have to pay over 20-Yrs. When we say “net” we mean that the money includes everything, the administration, processing and all other possible fees. Note all the different rates that all the different organizations give. This will give you the best idea about the different rates. 

You will also have to choose between a 10-Yr or 20-Yr loan. A 20-Yr loan will mean lower EMI (equal monthly installments) but probably a higher interest rate. In the long run, you’ll be paying more for your house because you will be making more interest payments. With a 10-year loan, the EMI will be higher but the interest rate lower; thus you’ll pay less for your house because it will be paid off in a shorter period of time. You will have to decide what suites your needs. Find out about “processing fees”, “administration charges” and the “quantum of loan”. Get each institution to provide you with a written statement of all fees. Then, ask to reduce one or more of the fees. Use the lowest fees you to negotiate with other institutions. (Don’t be shy. Seriously!) You must negotiate. 

If a sales person asks you to include false information on your home loan application to get quick approval, do not agree to this. Also don’t get confused into borrowing more money than you need or can afford. A lot of Income Tax savings are possible with home loans. The Income Tax saved can be used to pay the EMI. So do not lose out on the income tax saving opportunities. 

Ideally, you should choose the bank which does not require a “guarantor” and offers home loans without “pre-payment penalty” (or a penalty for repaying loan before it is due). This helps you re-pay your loan as early as possible. 

The following documents will be required if you approach an institution with a home loan request. Try to take these documents along with you. If you show them that you are a serious buyer, they are more likely to be open to negotiations: 

If you are a Salaried Employee: 

1.The last 3monts salary slip showing statutory deductions 
2.Form 16 (showing tax deducted at source by employer) 
3.Proof of age (birth certificate/voter identity card/passport/school-leaving certificate/valid driving licence) 
4.Proof of residence (phone bill/electricity bill/ration card) 
5.Xerox copy of your bank Pass-Book(Front page+last 6months transaction

Address:

BARUAH DEVELOPER & INFRASTRUCTURE PVT.LTD. 58, DARANGICHUK ROAD, MALOW ALI, SANTIPUR, JORHAT-785001 ASSAM

Phone/Fax:

+91-3762301291
Cell: +91-9435445511 /9435097689

GST NO:

18AAECB5575G1ZI

E-mail:

bdipl@barauahdevelopers.com