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 25 YEARS OF REALTY EXPERIENCE

 MORE THAN 3000 HAPPY FAMILIES

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 HOME LOAN ASSISTANCE

 INTERIOR INSTALLATION

FAQs

The price that a property can command in the open market is known as its market value. Stamp duty is based on the market value or the agreement value of the property, whichever is greater.

When a piece of property is given or ‘leased’ to an individual (known as the ‘Lessee’) for a stipulated period of time, by the owner of the property (known as the ‘Lessor’), the property is referred to as Leasehold Property. A certain amount is fixed by the Lessor to be paid as lease premium and annual lease. The land ownership rights remain with the Lessor. Transfer of property requires prior permission.

When ownership rights for a piece of property are given to the purchaser for a price, that property is referred to as Freehold Property. Unlike in the case of leasehold property, no annual lease charges need to be paid and the freehold property can be registered and / or transferred in part(s).

An agreement of sale, coupled with actual possession of the property would be considered as a conclusion of the sale. Usually, the entire amount is paid at the time of handing over possession.

The area of an apartment or building, not inclusive of the area of the walls is known as carpet area. This is the area that is actually used and in which a carpet can be laid. When the area of the walls including the balcony is calculated along with the carpet area, it is known as built-up area. The built-up area along with the area under common spaces like lobby, lifts, stairs, garden and swimming pool is called super built-up area.

No. NRI's do not require any permission to acquire any immovable property in India other than agricultural / plantation property or a farm house.

When a gift of property is made, a gift deed needs to be made by a lawyer. Stamp duty on the market value of the property also needs to be paid, as well as the necessary registration charges.

Any Indian Resident, Non-resident Indian or Person of Indian Origin can apply for a home loan if they are 21 years of age at the origin of the loan and 65 years or below at loan maturity. Housing Finance Companies (HFCs) usually give home loans for properties located in India to people who are employed or self-employed, with a regular source of income.

An individual can apply for a home loan even before the property has been selected. The loan amount is sanctioned based on the ability to repay. This helps in planning a budget while purchasing the house.

Loan eligibility is calculated based on the ability to repay. Factors such as income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability and continuity of occupation and savings history are taken into consideration.

Usually a spouse can be a co-applicant. Other immediate family members are also acceptable to some companies, depending on merits. If both partners are working, it is better to have your spouse as a co-applicant since this will entitle you to a much larger loan.

EMI (Equated Monthly Installment) is the amount payable to the lending institution every month, till the loan is paid back in full. It consists of a portion of the interest as well as the principal.

How is an EMI calculated? EMI Formula: l x r [(1+r)n /(1+r)n-1 ] x 1/12

l = loan amount r = rate of interest n = term of the loan

 
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Hi, I am Partha Hazra, booked the apartment in Platinum Lifestyle. In that occasion I got an opportunity to interact with the Staff members, both onsite and in the corporate office. I must say I have very good experience in with any staff member from both the places. I visit quite frequently the site and interact with the onsite team members, especially with Mr. Sumant. Sumant has very pleasant personality, informative and extremely co-operative. I must say that, whatever request I made in writing regarding the slight interior modification, was taken care very efficiently. The communication which I have got from the corporate office was also very clear which answers my queries. I am also happy and satisfied with the progress of the construction work so far.

Partha Hazra, (E-434) Platinum Lifestyle.

Hi, My name is Muralidhar Reddy and I bought a Flat (Flat # 101) in Samskruthi Apartments in AkshayaNagar and I would like to share my feedback about Sai associates. I moved in to my apartment in the month of March, While I was buying an apartment I was not aware of anything about various things that needs to be looked into while buying a flat. I visited lot many builders and marketing executives but Mr. Babu from Sai associates and his team especially Venu have been great through the entire process.They made sure that I understand everything from the time I booked the flat till the time I moved in and I felt quite comfortable with the entire process. All my issues were taken up by Mr Babu on time and were addressed efficiently. They have high level of patience and look into concerns deeply. Would like to thank Mr Babu and Venu for all their efforts in making my decision to buy an apartment with SLV builders a happy experience.

Muralidhar Reddy

Hi, This is Ajit Jade and SowmyaKanatur from Flat No. 004, Samskruthi apartments, Akshayanagar. We just wanted to tell you that, we have always received best response from marketing team specially Venugopal, from the day we have booked apartment. We being working people, could not able to spend time during week days, for any customization work at apartment like electric work, plumbing work etc..or for any follow ups that needs to be done. With just phone calls we could able to solve many issue or fix problems. Babusir being senior person also has helped us in many situations. Thanks to sai associates for playing the role of “middle party” without which it was difficult to directly deal with builder (with whom there was hardly any interaction).


Ajit Jade & Sowmya Kanatur

Hi, My name is VV Rajan and I recently bought a duplex flat at Sai Sunshine with Sai Associates, and I am glad I did with these builders. Prior to my purchase, we checked various builders and various areas in Bangalore some were very good but there was always an issue with the rates. I think it was only with Sai Associates, that we got not just good value for money but great looking house specific to our requirements. I would definitely recommend without any doubt to anyone seeking good, quality, assurance and value for money housing properties.

VV Rajan, A 302 Sai Sunshine.

Dear Sai properties Team, We saw the ad in the paper in the month of December when we were eagerly searching for good flats in Bangalore. We went to the property in Bangalore and liked it immediately. Excellent construction and the look and feel of the apartment is superb. On that the plus point is behavior of any of your team member is very helping. As without taking any help from any male member of my family I was able to buy Two flats with all the formalities done smoothly. As the name says you can trust the SAI property and invest. I am really looking forward for continuous support from your team. I had a wonderful experience while the process of seeing, finalizing, registration, loan in all the aspect I got the needed help. I recommend you guys highly to others Special thanks to Sanjay and Chandru.

Shveta, Accenture, Bangalore

Dear Sai properties Team, The overall experience with Sai Associates from the time of inquiring about the project till the time of taking possession, was excellent. We get all the help and guidance that is needed in purchasing. Apart from that, they build a great deal of trust by their customers and stretch their responsibilities to get our highest satisfaction. Highly recommending to have a relationship with Sai Associates. Special Thanks to Babu, Sridhar, Bharath and Chandru.

Mr.Raja Vishwanathan, Flat No. 104 'B' at Suraksha Golden Palms.