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Chapter
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Title
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ONE
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A Roof Over Your Head
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What is home?
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It’s confusing…and hazardous
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Who’s who?
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The area - how big is the house?
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Don’t be afraid of the jargon
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Time to get your feet wet
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TWO
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BUYING – I FINDING THE NEEDLE IN THE HAYSTACK
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Know Thyself – What do you want?
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Your very own town criers – The mob
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The power of the Printed Word
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The Virtual Hunt – Real estate Websites
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Calling Agent 007 – Real estate agents / brokers
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Why is a broker important?
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How to identify a good broker
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What to expect from your broker
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Property exhibitions
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Time to hit the road
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THREE
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BUYING – II SELECTION
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Narrow the search
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Serious business first: your budget
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Tips for property inspection
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What to look for
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Check out the builder
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Is the price right?
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Appendix 3.1 CRISIL Ratings for Developers projects
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FOUR
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BUYING – III THE TRANSACTION
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Terms of payment
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Check the documents
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Execution
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Stamp Duty
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How much stamp duty?
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Where to pay?
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Stamp duty underpaid?
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Registration
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Procedure for registration
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Delays
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Indexation
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Co-operative Society formalities
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Appendix 4.1: List of documents for transfers
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Appendix 4.2: Consumer protection for real estate buyers
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Appendix 4.3 : Buying Flowchart
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FIVE
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HOUSING FINANCE
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Plenty of lenders
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Plenty of options
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Shopping around
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How to go about getting a loan
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Save taxes along the way
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Appendix 5.1: List of documents required by housing finance companies
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Appendix 5.2: List of documents that HFCs will make you sign
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SIX
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SELLING
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The selling decision
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Market mood
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Taking stock
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Strategy
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How to sell your property faster
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The paperwork
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Selling expenses
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A cut for the government
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SEVEN
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LEASING / RENTING
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House Hunt
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Checking out the house
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The rent: What you pay
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The legalities
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Possession
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The other side: Renting out your property
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Tax implications
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Rent laws in India
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Leave and Licence
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EIGHT
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APPENDICES
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A. Frequently asked questions FAQs: Delve deeper
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A.1 Zip through FSI
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A.2 Dive into buying
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A.3 Swim through selling
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A.4 Wade through stamp duty
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A.5 Catch-up on Power of attorney
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A.6 From distant lands – for NRIs
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A.7 Fathom the property laws
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B. The Shastras – the art of deconstruction!
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C. Valuation of a property – Use of a registered valuer
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D. Formation of Cooperative Societies
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E. All India Rates of Stamp Duty
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F. Bombay Rent Control Act
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G. PBAP Code of Conduct
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H. CREDAI – Objectives
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I. Glossary of Real Estate terms
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