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The following are the documents that should be checked and thoroughly inspected before and even after buying/selling a property:
?
Written agreement
A written agreement should be imperatively provided by the developer. The agreement should acutely mention the all the terms and conditions, specifications of the apartment, time of delivery and the payment plan.?The agreement should additionally mention the exact quantum of penalty to be imposed in the event wherein the developer fails to meet the construction deadline as well as in the event wherein the buyer defaults on the payment schedule.
In the case of buying a house within a completed project, the occupation certificate, electricity and water connections, fire safety equipment and mechanism and property tax receipts for the project should be physically checked by the buyer. In particular, the occupation certificate issued by a government authority is very substantial.
Employing the services of a bank:
Buying a flat through a bank loan is the best course of action. Since the bank accepts the apartment which is yet to be constructed in a new project, as collateral, they do all the checks, including the builder?s credentials, to ensure that the collateral?s market value does not diminish.
Buyer-seller agreement:
This agreement includes each and every clause, conditions, terms and legal implications for the buyer and developer should there be a default on either side. Prominent points are interest, default charges for a buyer, penalty and clauses of refund of payment in case the project is not completed or is scrapped.
Also, the penalty in case of any structural defects or delay in construction as well as a clause to transfer the common undivided land to the society and owners to ensure that further construction or development cannot be undertaken by the developer once the completed project is handed over, should be included within a registered agreement.
Documents:
For Delhi:
Perpetual lease deed, Conveyance deed, Sale deed in case of resale properties, Mutation paid, Last paid house tax receipt, Last paid electricity and water bills, Completion certificate and Sanctioned plans.
For Noida/Greater Noida:
Allotment letter from Noida Authority (in case of a plot or flat built by authority), Registered perpetual lease deed, Proof of payment of lease rental, one-time or yearly; Transfer memorandum and registered transfer deed in case of resale property, NOC from Jal Department, Share certificate and NOC from society (where applicable as some old sectors or group housings have been allotted to societies), Completion certificate for houses with sanctioned building plans and Mutation letter in name of current owner.
For Gurgaon:
Allotment letter (in case of either HUDA or DLF properties ? builder-buyer agreement), Registered sale deed in name of current owner with all originals from previous owners, Sanctioned building plans and completion certificate in case of independent houses, Mutation letter from DLF or HUDA, Proof of up-to-date payments of power and water and house tax charges, NOC from RWA or maintenance office in case of group housing.
Titles and documentation:
In case the property is purchased from the urban development authorities, the risk of clear titles and documentation decreases by a significant margin.
Howbeit, one should seek legal assistance to check documents related to land ownership, allotment letter, licences and approvals, sanctioned plans etc, if the flat is being purchased either from a colonizer or private developer.
Certificates:
Certificate from society:
The share certificate issued by a society should be checked by the buyer, as it establishes the seller?s identity. The share needs to be transferred in the name of the purchaser. This certificate forms a part of the ownership deed.
NOC from society:
In case of a resale, the no objection certificate (NOC) which is issued by the society should be verified. This NOC states that dues payable by the seller to the society are nil and that the conditions laid down by the society have been complied by the seller.
Ownership titles for group housing cooperatives:
Essentially, the ownership documents allotted or the shares transferred should be verified to ascertain the legal rights.
Title papers:
In case the property is being purchased directly from a builder, the title papers should be checked as it proves the owner?s identification. The document can also be used to determine whether property has a clear title or if its under litigation, whether the seller possesses the authority to develop or sell the property, whether the land is on leasehold or freehold as well as indicate whether the property is free of encumbrances. If there is a conveyance deed favoring the seller, then it ensures that the property has a clear title.
Checking by bank:
If the property is being purchased through a bank loan, the bank would normally appoint its own lawyer to verify the title deeds. Or, a lawyer can be hired and a request for originals can be placed with the bank. In any case photocopies of the documents should not be accepted.
Municipal clearances:
The completion certificate which is issued by the municipal authorities is another important document. It proves whether a building is in compliance with the rules and regulations in respect of distance from road, height, besides other things. The occupation certificate should also be verified as it certifies that the electrical connections, sewage and water are in place.
Development agreement:
In case the property has been constructed jointly by the builder and the owner, the joint development agreement which mentions the terms of development of the property.should be scrutinized.
Purchase agreement:
The purchase agreement between the developer and the authority or the agency from which the developer has bought the land too needs to be scrutinized. It ensures the seller (builder) has the authority to sell the property, and it also states if the property has any mortgages against it.
List of approvals:
Noncompliance in getting legal approvals from a number of authorities may result in scrapping of the project or reduction in the market value. The approvals to be obtained are structural safety certificate, building plans and floor plan approvals, no-objection certificate from the civic authority, urban land ceiling certificate, environment clearances, commencement certificate and title deed. The buyer upon possession, should physically check the occupation certificate, water and electricity connections, fire safety equipment and mechanisms and property tax receipts.
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(Photo by Streeter Lecka/Getty Images)
Mac Attack: 07/29/13:? Chip Patterson from CBS Sports and the Eye On College Football blog joined the guys to preview the ACC and to talk about the latest news regarding? ?Johnny Football?
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Source: www.nytimes.com --- Tuesday, July 30, 2013
The team behind ?Elysium,? starring Matt Damon and Jodie Foster, promises that it has taken an imaginative detour from the familiar blockbuster formula. ? ? ? ? ...
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7:45 PM: Over 600 people from 37 countries gathered at the Riviera casino in Las Vegas on Saturday to compete in the Rubik's Cube World Championships.
7:30 PM: Sports Business Daily's Austin Karp reports that Sunday's U.S. vs. Panama Gold Cup final soccer match on Fox earned a 1.7 rating, just ahead of ESPN's Cardinals vs. Braves Sunday Night Baseball telecast.
7:15 PM: Unsatisfied with the team's recent performance, officials for the Red Star Belgrade soccer club has told its players to stop partying at night, stop drinking beer & stop eating meat pies before practice.
7:00 PM: Jacksonville Jaguars QB Blaine Gabbert left Monday's practice after suffering a sprained ankle. The team says Gabbert will be re-evaluated in the next two days.
6:45 PM: WDSU reports former Cleveland Cavaliers player Daniel "Boobie" Gibson is facing battery charges in New Orleans. Gibson was allegedly involved in an incident at the Essence Music Festival earlier this month.
6:30 PM: Alabama freshman defensive end Dee Liner appeared on a photo on Instagram holding a large wad of cash. Liner tweeted about reaction to the photo: "Don't judge me when u have no clue what I have been through!!!"
6:15 PM: Chicago Bears defensive end Turk McBride is out for the season after suffering a ruptured Achilles tendon during Monday's practice.
6:00 PM: KTLA reports at least eight people were arrested after rioting broke out in Huntington Beach, California at the close of the U.S. Open of Surfing on Sunday. Rioters broke windows, looted stores, damaged police cars & pushed over portable toilets.
5:45 PM: The ESPN-created Texas-centric Longhorn Network will televise three UT football games this season: August 31 vs. New Mexico State, September 14 vs. Mississippi & November 3 vs. Kansas.
5:30 PM: Former Ohio State & current Oakland Raiders QB Terrelle Pryor admitted during practice Sunday: "I never really knew how to throw a football before. It's coming along. I'm getting way better."
5:15 PM: Texas Tech football coach Kliff Kingsbury would like to borrow the first Lamborghini he's ever seen in Lubbock.
5:00 PM: Rex Ryan poses for a photo with a New York Jets fan who's wearing a shirt that reads: "This Team Makes Me Drink".
4:45 PM: Terry Pluto of the Cleveland Plain Dealer profiles Pat Boone, the 79-year-old singer who was in town this weekend to play basketball at the National Senior Games: "Been playing basketball all my life. I love this game."
4:30 PM: NFL PR spokesman Brian McCarthy tweets that all fans attending Sunday's Dallas Cowboys vs. Miami Dolphins Hall of Fame Game in Canton, Ohio will be subject to the league's new bag policy.
4:15 PM: Tom Haudricourt of the Milwaukee Journal Sentinel reports the Brewers will be giving $10 concession vouchers to all fans visiting Miller Park in August. The promotion is expected to cost about $3.6 million, but the Brewers will be getting back $3.1 million in salary forfeited by Ryan Braun.
Source: http://www.sportsbybrooks.com/sbblive?eid=54516
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Mayor Bob Filner of San Diego speaks at a press conference announcing his intention to seek professional help for sexual harassent issues July 26, 2013 in San Diego, California. (Photo by Bill Wechter/Getty Images)
San Diego Mayor Bob Filner is asking the city to pay his legal expenses for a sexual harassment lawsuit filed by his former communications director. Filner?s lawyer sent a letter to the city, imploring it to cover the mayor?s legal bills in a lawsuit that accuses him of asking his former female aide ?to work without panties? and other alleged acts of sexual harassment.
City council members?who overwhelmingly want Filner to resign?are scheduled to convene Tuesday night for a special closed session to consider the mayor?s request.
Under California law, Filner is allowed to set up his own legal defense fund in the case the city rejects his request. Filner?s lawyer,?Harvey Berger, argues that his client should be defended under the city?s expense. The letter states that Filner should have the city pay for representation under California government codes?825?and?995?? which deal with compensation and defense of public employees.
Since the claim was first filed by Filner?s former employee Irene Jackson,?seven women have publicly come forward and detailed other alleged acts of sexual harassment, including touching and kissing. Jackson, who is represented by high-profile attorney Gloria Allred, was the first woman to publicly accuse?Filner of harassment. In her 11-page lawsuit, Jackson claimed Filner demanded kisses and told her he wanted to see her naked.
The mayor, who is 70 and divorced, has since apologized for ?offending? women. On Friday, Filner announced that he would enter two weeks of ?intensive? therapy starting Aug. 5 to ?begin the process of addressing [his] behavior.?
Filner?s own party leaders, including California Sen. Dianne Feinstein and?House Minority Leader Nancy Pelosi,?have urged him to resign.??The conduct of some of these people that we?re talking about here is reprehensible,? said Pelosi last week about both the Filner and Anthony Weiner scandals. ?It is so disrespectful of women, and what?s really stunning about it is they don?t even realize. They don?t have a clue.?
Feinstein directly called for the mayor?s resignation and predicted a recall election for the mayor?s seat. ?It?s a very tough job, and I don?t think that somebody who is lacking a moral compass really sets a role model or really will provide the kind of leadership that San Diegans want.??Feinstein said on Sunday.
Source: http://tv.msnbc.com/2013/07/30/san-diego-mayor-bob-filner-wants-city-to-pay-for-his-legal-fees/
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13 hours ago
Microsoft
Microsoft has revealed the prices of two of the Xbox One's key accessories.
Microsoft revealed early Monday the prices for two of the key accessories for the upcoming next-generation Xbox One video game console ? the standalone controller, which will cost $59.99, and an official Xbox-branded wireless headset to support the consoles various chat and voice features for an additional $24.99. Like most video game hardware, the starting bundle that Xbox One owners receive will include a single controller, and Microsoft has said that the new device will not be compatible with current-generation Xbox 360 controllers.
For a point of comparison, Sony's upcoming PlayStation 4 console ? which at a starting price of $399.99 will debut for $100 less than the Xbox One ? comes bundled with an earbud-style headset but will only offer its motion-controlled camera peripheral, the imaginatively named PlayStation Camera, for an extra $59.99. Unlike the Xbox One's Kinect hardware, the PlayStation Camera is not a mandatory feature for the PlayStation 4 console. Additional PS4 controllers also cost $59.99, and the console is not backwards compatible with older versions of the PlayStation DualShock controller.
Regardless of whether or not a headset is contained in the starting console package, however, that most serious gamers will likely look to make a heftier investment in a high-end gaming headset like those offered by Turtle Beach, Tritton, or Astro if they're actually planning to use either console's chat capabilities for actual gameplay purposes. According to a report from the video game site Polygon, Sony has confirmed that the PlayStation 4 will be compatible with the same headgear that currently befits the PlayStation 3. Microsoft, meanwhile, has been vague on whether or not gamers will be able to use their current headsets, which can run upwards of $200 for the best models, on the next-gen hardware.
This story was updated at 3:20 pm ET.
Yannick LeJacq is a contributing writer for NBC News who has also covered technology and games for Kill Screen, The Wall Street Journal and The Atlantic. You can follow him on Twitter at @YannickLeJacq and reach him by email at: Yannick.LeJacq@nbcuni.com.
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