Aaj ke samayme Property khridana har kisi ke liye sirf ek sapna ban kar rah gaya hai, kyo ki Property ki asman chute price ko dekh kar har kisi ka Property khidne ka sampa pura nahi hota hai. lekin ap apne budget According property kharidne ke tarike apna kar kam paiso me apne is sapne ko pura kar sakte hai. aaj ham apko batayenge sasti property kaha milegi ? apke Question ka answer hai, nilami vali property.
Property Nilami kaise hoti hai?
Jab koi bank se Loan le kar Property kahridta hai, our us Loan ko sahi samay par chukka nahi pata hai, to bank us vykti ki Property ko Nilam kar deti hai. Property Nilam karne se pahle bank us vykti ko ek notice bhejti hai.
bank ke notice ki time limit 3 day ki hoti hai, yadi ap bank ke notice milne ke bad 30 day ke andar kisi tarah ka koi javab nahi dete hai, to Bank Sarfasi Act ke under Property ki Nilami kar deti hai.
Nilami vali Property ki Price market price se 15-20% kam hoti hai.bank ko sirf Property ki Nilami kar apna paisa lena hota hai, isliye vah Property ki Price market price se kam rakhte hai, taki jyada se jyada vykti bank ki is Nilami me shamil ho sake.
Property Nilami ki jankari kaise le sakte hai? (information of Property Nilami in hindi)
Bank Property Nilami se pahle Property Nilami ki information Newspapers me dete hai.sath hi bank ki Website and Tender.gov. par bhi ye Information available hoti hai.
Nilami Property me Problem to nahi?
Nilami Property ka Proprietary Rights Explained hota hai. bank Property ko girvi rakhne se pahle Full investigation karta hai.isliye Nilami Property me ksii tarah ki koi Problem ane ka Chance nahi hota hai. halaki Nilami Property kharidne se pahle Lawyers se Property Information lemma chahiye
Property Nilami ka hissa kaise bane? (part of property auction)
Nilami vali Property ko bank Nilam karne se pahle jo advertisement dete hai, Is advertisement me Property information ke sath Property price bhi di hui hoti hai. advertisement mention hota hai ki kis din bank Property Nilami karega. Nilami ka puri detail advertisement me di jati hai.
Property Nilami me shamil hone ke liye Beed vale days se pahle Closed Lifafe me apko boli Amountko bhejna hota hai. apko Lifafe ke sath 10% Ernest Money bhi deposit karni hoti hai.apki bolo bank ko sahi lagti hai, to bank vah Property apke name kar deti hai. is process ke bad Paperwork kiya jata hai.agar Nilami me apki boli ko shamil nahi kiya jata hai, to apko Ernest Money Return kar di jati hai.
Nilami me Property kaise kharide? (How to buy property in auction)
Bank SARFAESI Act ke under Property ki Nilami karte hai. Debt recovery tribunal ki Monitoring me property hoti hai.
Property Nilami me Payment kaise kiya jata hai? (Payment Process of Property Auction)
Property Nilami me agar apki boli bank ko sahi lagti hai, to vah Property apke name kar di jati hai, jiske bad apko usi din property price ka 25% deposit karana hota hai. apko KYC documents bhi dene hote hai. Nilami ki Due Amount apko 15 day ke andar deposit karni hoti hai. yadi ap 15 day me bank ko Amount nahi de pate hai, to bank ko apne jo Amount deposit ki hai use bank Return nahi karega.
Nilami me Property kharidne se pahle jan le ye facts (facts before buying property in auction)
– Ap Nilami me jis Property ko kharid rahe hai, vah jis Housing Society me hai vaha se apko Property par kisi tarah ka koi Society maintenance money baki to nahi hai is bat ka pata lagaye.yadi us Property par kisi tarah ka koi maintenance baki hai, to vah kitnna hai.
– Municipal council me ja kar Property tex ki Information le, kahi us Property par koi tex to baki nahi hai.
– Property me Utility services ki kya situation hai.
Nilami me Property ki Online Boli kaise lagaye? (online property for auction)
Kai bank Nilami me Property ki Online E-Boli lagate hai. Nilami me Property ki Online Boli lagan eke liye apko bank ki website par khud ko Registrar karna hoga. ab apko jis din bank Nilami ki date Fix karta hai us din apko Property ki Online Boli lagani hai.
yadi apki Boli Nilami me sabse upar hoti hai, to bank vah Property apko Allot kar deti hai. ab apko 15 day se andar bank me Property ki price ka 10 percent amount ka Payment karna hota hai.
outstanding amount of Property auction :-
Bank jis Property ki Nilami kar raha hai, us Property ke bare me pahle apko jis Harunsong Society me vah Property hai vaha ja kar apko Property par kisi tarah ka koi Bakaya amount to, nahi hai is bat ka pata lagana hota hai.sath hi apko Municipal council se Property tex ki bhi Information lena chahiye.
information from Advertisement :-
Bank Property ki Mega Nilami karta hai. jiski information Advertisement Newspapers, online sites, TV advertisements se ki jati hai, taki sabhi ko is Mega Nilami ki information mil sake. Bank apni is Nilami ki information apni bank Website ke alava dusri Website par bhi deta hai. achchi deal ki talash karne vale logo ke liye Nilami ki Property Best option hota hai, halaki is tar ki Property me kai tarah ke Risk bhi rahte hai, jinka dhyan rakhna bahut jaruri hai.
Nilami me Property kharidne ke samay hame is bat ka dhyan rakhna chahiye ki jo bank Property ki Nilami kar rahi hai.uski Accountability sirf apna bakaya Amount lene tak hi simit hai. iske according Nilami me Property ki Base Price Loan Amount ke anusar hi rakhi jati hai. isase pata chalta hai, ki market price ke comparison me Nilami ki ja rahi Property ki price kam hoti hai.kai bar to 30% Amount kam hota hai.
General investors ke liye is tarah ki Nilami me shamil hona bahut hi Difficult hota hai. kai bar bank manager agent se milkar High Net Worth Real Estate Investors pahle se hi Settings kar lete hai. Online auction platform par Nilami process ho jane ke bad ye kafi Transparent hone ka anuman hai.
Property Nilami me rakhe in bato ka dhyan (these things in mind at the property auction)
– Dusre bank se loan
Jo bank Property ki Nilami karva raha hai, vah ye Nilami apna bakaya loan Amount vasulne ke liye kar raha hai.esa jaruri nahi hai ki usi Property par kisi our bank ya kisi institute se Loan nahi liya gaya ho.
Property ke mamle me aksar esa hota hai. jiska main Region Original Cell Agreement, Share Certificate and Housing Society se NOC paper par Loans mil jata hai. ap bhi vaha se inki Information ko Collect kar sakte hai. yadi apko vaha par Information nahi milti hai, to ap Municipality, House Tax Office etc jagah se inspection kar sakte hai.
– Bakaya Amount kharidar ko chukana hoga
Bank apni Nilami me Loan Amount ki recovery kar lega, lekin Society ka Bakaya Amount jese Electricity bill, water bill, house tax, sewer and other charges kharidar ko hi chukana hoga. kai bar to ye Amount bahut jyada bhi ho sakta hai. kai bar Home loan EMI ke mamle me bahut se log default karte hai. kai bar to Builder bhi kai tarah ki mang kar deta hai.jise apko clear karna bahut jaruri hai.
– Property Title ki jach kare
Bank se yadi Loan pass ho jata hai, to Property Title clear hi ho jata hai, esa manana sahi nahi hai. Competition badne se bank bina clear Title vali Property par bhi Loan de rahe hai. Kai bar jin building ko Occupancy certificate nahi milta bank unhe bhi Loan de deta hai.
– Ghar me kirayedar rahne par kya kare?
Bank loan hone ki Situation me bahut kam bar house Owner us ghar me rahta hai. kai bar us ghar me kirayedar rahte hai. Ab apki yer jimmedari hoti hai, ki ap us Ghar me se kirayedar se ghar khali karaye, kai bar ye kam bahut Problem vala bhi ho jata hai.
– Ghar ki condition dekh le
Ghar malik ko jab pata chalta hai ki uska Loan default hone vala hai, to vah ghar ka kam rok deta hai.bank jab Property ki Nilami karta hai, to usme bhag lene se pahle apko Ghar ki condition dekh lena chahiye. ghar me yadi kisi tarah ke Repair / maintenance karna hoga to uska andaja pahle hi laga le.
– Property ka valuation karaye
Property ki Nilami me is bat ka pata lagana kafi mushkil hota hai, ki Nilami ki antim Boli kitne ki ho sakti hai. lekin ap Property market value ka pata Nilami se pahle laga sakte hai. bank ek Base value fixed karta hai.
Guidance Value (as per government rules) Deemed market value and property Liabilities ko dhyan me rakhte huye Base value fixed ki jati hai. apko kisi Professional property valuer se us property ka Evaluation karana chahiye. Approximate jitni value batate hai, usase 10 percent kam amount ki Boli lagana sahi hota hai.
– Paise ka intejam pahle se kar le
Property ki Nilami Start hone se pahle bank ke pas Ernest Money Deposit karana hogi.jo Property Reserve Price ki 10 percent ho sakti hai. agar apki Bid safar nahi hoti hai, to apko ye paise vapas lota diye jate hai. Nilami ki Boli lagane vale din hi apko Bid Amount ka 25 percent dena hoga.
yadi apki Boli sahi hoti hai, to apko 15 day ke andar Boli ka Amount bank me deposit karana hoga. yadi ap Deadline ke andar Payment deposit nahi kara pate hai, to apko deposit Amount lotaya nahi jayega.
bank se Loan ke liye le manjuri
Property ke liye yadi ap bank se Loan le rahe hai, to apko pahle bank se manjuri leni hogi. Distressed residential property kharidne ke liye Loan Home loan hi hota hai. is tarah ka bank se apko loan milega ya nahi ye apki Credit History and Repayment Ability par Depend karta hai.
bank apko ek hi Condition par Loan Approval karega jab ap Loan lene se pahle Property Registration Charges, Stamp Duty and Legal cost khud hi uthayenge. Sath hi ap Property Registration ke Valid Document Bank me deposit karayenge.
Savings ka moka :-
Distressed property ki kharidi ko kabhi bhi halke me nahi lena chahiye. Nilami lagane se pahle Research kar le, our rules ko Study kar le. Property ki apne taraf se puri Information hasil karna chahiye. Yadi apne sahi se Information hasil kar li to ap 1 crore rupees par 20-30 lakhs rupees ki Savings kar sakte hai.
Outstanding Society and Municipal Tax :-
Home loan EMI payments na bhar pana kisi bhi vykti ke liye Last option hota hai. isliye ho sakta hai ki Ghar ke malik ne Society and Municipal Tax bhi nahi diya ho. Jab bhi ap Nilami me property ki kharidi kare to Society Charges and Municipal Tax Amount ke bare me pata jarur kare, kahi us property par bahut jyada Society Charges and Municipal Tax Amount bakaya to nahi hai.
Society Charges and Municipal Tax Amount ghar malik ko dena hota hai, yadi Nilami me property ap kharid lete hai, to apko hi ye sabhi Amount dena hoga. our is tarah apki property ki Amount bhi jyada badi ho jayegi.
Title jarur le :-
Bank yadi property ki Nilami kar raha hai, to Legal title bank ke pas nahi hoga. sath hi Title ki responsibility bank nahi lega, kyo ki Property position lene se vah uska malik nahi ban jata hai. isliye jab bhi ap is tarah ki Nilami me property kharid rahe hai, to apko apne lawyer se investigation ke bad Property title Ownership ko hasil karna chahiye. Halaki isme apko thoda kharcha karna hoga lekin bad me bade kharche se jyada achcha abhi thoda kharcha hota hai.
Funds ka kare Arrangement :-
Under-construction property ya fir ready to move flat Payment Schedule suitable rahta hai. ye apki bato par Depend hota hai. yadi apki Boli sahi hoti hai, to apko bahut kam time me paiso ka intejam karna hota hai. yadi ap is kam me Fail ho jate hai, to apke deposit paise bhi apko nahi milte hai.
isliye esi property ko kharidne se pahle apke pas Emergency plan ka hona bahut jaruri hai. jisme ap Funds ki planning kar sakte hai. is tarah ki property ke liye apko Home loan bhi mil jata hai, lekin apko pahle paise apne sources se Arrange karna hoga.
CA Kaise Bane, Chartered Accountant Ki Taiyari Kaise Kare?
History of insurance :- Bima Kya Hai, Insurance Ka paisa Kaise milega?
अपने डिवाइस पर किसी भी वेबसाइट को ब्लॉक कैसे करे?