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What is the process of resale property registration in Bangalore?Yes, you would need a lawyer specializing in property matter. In case of a property being bought from a builder, the registration process is typically guided by the builder's legal team. But if one is buying a resale property, at a lot of times seller or buyer aren't well with the documents that are needed or how the whole process works. As part of this post we are trying to give an overall picture of the process and different aspects of buying a property as well as key things to know as a buyer.Different aspects in registering a property:Property VerificationSale AgreementHome Loan ProcessingTDS ObligationAffidavits and registered POA from Buyer/SellerRegistration of Sale Deed1. Property VerificationAs soon as you finalize a property based on your requirements and growth aspects, it is prudent on buyer's part to get property verification done from a real estate lawyer. This is to ascertain the legal ownership of the property, tax liabilities with the property and to ensure that it is complying with the various regulations. To read more on property verification please do read our other post on Buying a property! Should you trust your builder blindly?2. Sale AgreementProperty Sale Agreement is probably the most important document in the whole chain because even sale deed is executed based on terms covered under sale agreement as well as is legally binding. Sale agreement covers various aspects of the sale such as Indemnity Clauses, agreed cost, advance paid, Penalty clause, Right to call-off the deal, procedure to be followed in case of default by either party, losses or obligations to be covered by buyer or seller etc. In case the agreement is not well drafted, it may allow one of the parties to bsignNow the agreement and still get away with it.Since even sale deed is executed based on terms & conditions agreed upon in the sale agreement; hence it is all the more important to have an expert drafted and thoroughly vetted sale agreement. The sale agreement is also used for securing home loan from banks.3. Home Loan ProcessingAs soon as the sale agreement is signed, home loan process can be triggered with the bank. First step in securing a home loan is to get loan sanctioned for which bank would need to look at the income proofs, property marketability and credit score of the buyer including security or guarantor documents(some of this might be bank specific). Bank would typically get into a tripartite agreement after the loan is sanctioned. The cheque or DD of loan amount is issued in name of seller and once the property is registered original copies would be deposited with bank including entering a new mortgage agreement.Other point of consideration here is the rate at which property should be registered. Government has a circle rate going for an area which typically would be less than market rate. Govt. rate or circle rate is min rate using which the property stamp duty shall be calculated, in case of registration value being declared as less than circle rate. It is suggested to register the property at the market rate as it is the right way to do it as well as that would matter for loan eligibility as well.4. TDS ObligationThe buyer is required to deduct the TDS of mandatory 1% from the sale proceeds (except for agricultural lands) if the property transaction value is in excess of 50Lacs. The buyer has the responsibility of deducting as well as depositing the amount with govt. before sale deed registration proceeds. Thankfully, buyer need not have a TAN (Tax Deduction Account Number) to pay TDS. TDS needs to be deducted at the time of payment to seller and not at the time of execution of sale deed registration.As part of the TDS payment, form 26QB is required to be filled & submitted online on the TIN NSDL site. Form 16B can be downloaded from TRACES website post the payment of TDS and needs to be issued to seller within 15days of submitting "Challan". Seller can use this for claim against one's tax liability for that financial year.Download the e-tutorial on TDS payment here and list of authorized banks for depositing the TDS is available here.5. Affidavits and registered POA from Buyer/SellerDuring the property sale purchase process, one may need specific affidavits or Power of Attorney to be executed in order to carry out the sale/purchase. The "Affidavit of Title" or "Seller's Affidavit" is one such affidavit issued by seller claiming the ownership of the property and capturing any known title issues like an existing lease agreement, liens or work on the property that may potentially cause disputes, boundary line issues of ownerships, outstanding ownership issues from a will etc.Power of Attorney is used to vest authority in another person (known as Agent) to represent oneself (known as Principal) in legal or financial matters. A valid and registered POA can be used to execute registration of a property in capacity as buyer or even seller.6. Registration of Sale deedSale deed is an instrument in writing which transfers the ownership of the property. Sale Deed is a document executed at the time of finalizing the sale deal. Registration of the property is the final step in the process as registration implies that the buyer (in whose name property is registered) is the lawful owner of the property with all rights, obligations and duties towards the same. The objective of registration is to prevent fraud and dispute at the same time maintaining public records for the same. The immovable property can be registered at sub-registrar's office within whose jurisdiction the property falls.The amount of stamp duty payable on sale deed is determined from a number of factors and is governed by State Government through Registrar Office. The stamp duty is levied on the value of property and kind of transfer of registration. Hence, extensive knowledge of different aspects involved is required in evaluating the market value of the property to purchase stamp signNows accordingly. Moreover, you need experts to write and execute a sale deed. As per the current rates in Karnataka, one has to pay 5 per cent of the registered value of the property as stamp duty. In addition a 10 per cent cess and 2 per cent surcharge on stamp duty is levied. Hence a buyer pays 5.6 per cent stamp duty in urban areas and 5.65 per cent in rural areas as the surcharge in such areas is 3 per cent. On the other hand, the registration charges are 1 per cent of the total or registered value of the property.Please note that the amount paid for execution / stamp duty of sale agreement shall be adjusted at the time of registration of sale deed in stamp duty provided you bring the original sale agreement to the sub-registrar office (you would need to get it from your banker in case of home loan availed). This process is called DENOTE process and is not applicable in assignment / swapping cases. Before we end this article, in case you availed home loan form a bank, the original sale deed shall be submitted to the bank; hence it is advisable to take certified copy of the sale deed for your records.About Zippserv GroupBuy ProgramZippserv GroupBuy is a platform where smart home buyers come together and save lakhs together. The premise of GroupBuy is that people who are interested in the same properties can come and create or join groups on any property in Bangalore and use the leverage of the group for a better bargain.Also, Zippserv has Exclusive assured GroupBuy offers for select projects like Brigade Utopia, Brigade Bricklane, SJR Pallaza City, Goyal Orchid Whitefield, Salapuria Southern Crest, Salarpuria Misty Charms and many more. Click here to visit Zippserv GroupBuy.
What are the risks to watch out for when buying property at a "tax sale" or "tax deed sale"?One thing to keep in mind is that there may be a period of time in which the auction may be contested. For Los Angeles County, CA, for example, that period is basically about a year.Also, tacking on to Max Nevill's point #3 on physically checking out the parcel, this was item 3036 from the Los Angeles County's 2012A tax sale:On the other hand, item 4439 might give the new owner a chance to collect a nice slip fee:
Do military members have to pay any fee for leave or fiancee forms?NOOOOOOO. You are talking to a military romance scammer. I received an email from the US Army that directly answers your question that is pasted below please keep reading.I believe you are the victim of a military Romance Scam whereas the person you are talking to is a foreign national posing as an American Soldier claiming to be stationed overseas on a peacekeeping mission. That's the key to the scam they always claim to be on a peacekeeping mission.Part of their scam is saying that they have no access to their money that their mission is highly dangerous.If your boyfriend girlfriend/future husband/wife is asking you to do the following or has exhibited this behavior, it is a most likely a scam:Moves to private messaging site immediately after meeting you on Facebook or SnapChat or Instagram or some dating or social media site. Often times they delete the site you met them on right after they asked you to move to a more private messaging siteProfesses love to you very quickly & seems to quote poems and song lyrics along with using their own sort of broken language, as they profess their love and devotion quickly. They also showed concern for your health and love for your family.Promises marriage as soon as he/she gets to state for leave that they asked you to pay for.They Requests money (wire transfers) and Amazon, iTune ,Verizon, etc gift cards, for medicine, religious practices, and leaves to come home, internet access, complete job assignments, help sick friend, get him out of trouble, or anything that sounds fishy.The military does provide all the soldier needs including food medical Care and transportation for leave. Trust me, I lived it, you are probably being scammed. I am just trying to show you examples that you are most likely being connned.Below is an email response I received after I sent an inquiry to the US government when I discovered I was scammed. I received this wonderful response back with lots of useful links on how to find and report your scammer. And how to learn more about Romance Scams.Right now you can also copy the picture he gave you and do a google image search and you will hopefully see the pictures of the real person he is impersonating. this doesn't always work and take some digging. if you find the real person you can direct message them and alert them that their image is being used for scamming.Good Luck to you and I'm sorry this may be happening to you. please continue reading the government response I received below it's very informative. You have contacted an email that is monitored by the U.S. Army Criminal Investigation Command. Unfortunately, this is a common concern. We assure you there is never any reason to send money to anyone claiming to be a Soldier online. If you have only spoken with this person online, it is likely they are not a U.S. Soldier at all. If this is a suspected imposter social media profile, we urge you to report it to that platform as soon as possible. Please continue reading for more resources and answers to other frequently asked questions: How to report an imposter Facebook profile: Caution-https://www.facebook.com/help/16... < Caution-https://www.facebook.com/help/16... > Answers to frequently asked questions: - Soldiers and their loved ones are not charged money so that the Soldier can go on leave. - Soldiers are not charged money for secure communications or leave. - Soldiers do not need permission to get married. - Soldiers emails are in this format: email@example.com < Caution-mailto: firstname.lastname@example.org > anything ending in .us or .com is not an official email account. - Soldiers have medical insurance, which pays for their medical costs when treated at civilian health care facilities worldwide – family and friends do not need to pay their medical expenses. - Military aircraft are not used to transport Privately Owned Vehicles. - Army financial offices are not used to help Soldiers buy or sell items of any kind. - Soldiers deployed to Combat Zones do not need to solicit money from the public to feed or house themselves or their troops. - Deployed Soldiers do not find large unclaimed sums of money and need your help to get that money out of the country. Anyone who tells you one of the above-listed conditions/circumstances is true is likely posing as a Soldier and trying to steal money from you. We would urge you to immediately cease all contact with this individual. For more information on avoiding online scams and to report this crime, please see the following sites and articles: This article may help clarify some of the tricks social media scammers try to use to take advantage of people: Caution-https://www.army.mil/article/61432/< Caution-https://www.army.mil/article/61432/> CID advises vigilance against 'romance scams,' scammers impersonating Soldiers Caution-https://www.army.mil/article/180749 < Caution-https://www.army.mil/article/180749 > FBI Internet Crime Complaint Center: Caution-http://www.ic3.gov/default.aspx< Caution-http://www.ic3.gov/default.aspx> U.S. Army investigators warn public against romance scams: Caution-https://www.army.mil/article/130...< Caution-https://www.army.mil/article/130...> DOD warns troops, families to be cybercrime smart -Caution-http://www.army.mil/article/1450...< Caution-http://www.army.mil/article/1450...> Use caution with social networking Caution-https://www.army.mil/article/146...< Caution-https://www.army.mil/article/146...> Please see our frequently asked questions section under scams and legal issues. Caution-http://www.army.mil/faq/ < Caution-http://www.army.mil/faq/ > or visit Caution-http://www.cid.army.mil/ < Caution-http://www.cid.army.mil/ >. The challenge with most scams is determining if an individual is a legitimate member of the US Army. Based on the Privacy Act of 1974, we cannot provide this information. If concerned about a scam you may contact the Better Business Bureau (if it involves a solicitation for money), or local law enforcement. If you're involved in a Facebook or dating site scam, you are free to contact us direct; (571) 305-4056. If you have a social security number, you can find information about Soldiers online at Caution-https://www.dmdc.osd.mil/appj/sc... < Caution-https://www.dmdc.osd.mil/appj/sc... > . While this is a free search, it does not help you locate a retiree, but it can tell you if the Soldier is active duty or not. If more information is needed such as current duty station or location, you can contact the Commander Soldier's Records Data Center (SRDC) by phone or mail and they will help you locate individuals on active duty only, not retirees. There is a fee of $3.50 for businesses to use this service. The check or money order must be made out to the U.S. Treasury. It is not refundable. The address is: Commander Soldier's Records Data Center (SRDC) 8899 East 56th Street Indianapolis, IN 46249-5301 Phone: 1-866-771-6357 In addition, it is not possible to remove social networking site profiles without legitimate proof of identity theft or a scam. If you suspect fraud on this site, take a screenshot of any advances for money or impersonations and report the account on the social networking platform immediately. Please submit all information you have on this incident to Caution-www.ic3.gov < Caution-http://www.ic3.gov > (FBI website, Internet Criminal Complaint Center), immediately stop contact with the scammer (you are potentially providing them more information which can be used to scam you), and learn how to protect yourself against these scams at Caution-http://www.ftc.gov < Caution-http://www.ftc.gov > (Federal Trade Commission's website)
How can I fill out Google's intern host matching form to optimize my chances of receiving a match?I was selected for a summer internship 2016.I tried to be very open while filling the preference form: I choose many products as my favorite products and I said I'm open about the team I want to join.I even was very open in the location and start date to get host matching interviews (I negotiated the start date in the interview until both me and my host were happy.) You could ask your recruiter to review your form (there are very cool and could help you a lot since they have a bigger experience).Do a search on the potential team.Before the interviews, try to find smart question that you are going to ask for the potential host (do a search on the team to find nice and deep questions to impress your host). Prepare well your resume.You are very likely not going to get algorithm/data structure questions like in the first round. It's going to be just some friendly chat if you are lucky. If your potential team is working on something like machine learning, expect that they are going to ask you questions about machine learning, courses related to machine learning you have and relevant experience (projects, internship). Of course you have to study that before the interview. Take as long time as you need if you feel rusty. It takes some time to get ready for the host matching (it's less than the technical interview) but it's worth it of course.
How do I fill out the form of DU CIC? I couldn't find the link to fill out the form.Just register on the admission portal and during registration you will get an option for the entrance based course. Just register there. There is no separate form for DU CIC.
You die and go to heaven. At the pearly gates they ask you to fill out an entry form giving three good deeds you did on earth. What do you write?I rescued a 3 week old puppy that was in dire need and was able to nurse him back to health and find him one of the best homes ever and only about 10 minutes away!Every December, I like to do random acts off kindness, whether it is buying someone's gas, giving someone a ride, making a kid's day, or offering to take someone to see a movie with me. Be kind. Always. Don't just limit it to one month out of the whole year.I gave a lot of things away this month to people who were struggling buying Christmas gifts for their family. If you can get out of the mindset that you need to make money off of everything you own, get out of that mindset. It's unhealthy.
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People also ask bargin and sale deed
What does a bargain and sale deed mean?Bargain and Sale Deed. A title used by a seller to transfer a piece of real estate to a buyer without guaranteeing the validity of the title. That is, a bargain and sale deed does not ensure that the seller has the right to sell the property. See also: Quitclaim deed.
Why would you use a quit claim deed?Quitclaim deeds are most often used to transfer property within a family. For example, when an owner gets married and wants to add a spouse's name to the title, or when the owners divorce and one spouse's name is removed from the title.
Is a quit claim deed considered a sale?You're buying the least amount of protection of any deed. Also called a non-warranty deed, a quitclaim deed conveys whatever interest the grantor currently has in the property if any. The grantor only "remises, releases, and quitclaims" his or her interest in the property to the grantee.
Is a quitclaim deed the same as a deed?A quitclaim deed only transfers the grantor's interests in a piece of real estate. It does not create any warranties on the title. ... A warranty deed contains a guarantee that the grantor has legal title and rights to the real estate. A quitclaim deed offers little to no protection to the grantee.
What is the difference between warranty deed and bargain and sale deed?The bargain and sale deed has no guarantee that the land being sold is free of encumbrances\u2014the only implication is that the grantor has title, and not one that is necessarily free of defects. The bargain and sale deed is most often the deed that is transferred from a foreclosure or tax sale\u2014hence, the name.