Tuesday, March 13, 2018

Aadhar Enable AGREEMENT TO SELL- New Property Buy , Sell Purchase - New Property Buy या Sell करते समय क्या क्या धयान दे


Normally जब भी आप को कोई प्रॉपर्टी पसंद आए  और आप उसे खरीदना चाहते है  तो  टोकन मनी देने से पहले उसके पेपर जरूर देखे। 

once you agree on the purchase price and given token amount 50000 to 1 Lakhs  do not pay in cash always pay any amount by Cheque then 
Normally property Sell / Purchase amount का 5% - 10 %  Amount need to pay at the time of agreement of sell.
Before paying any further amount should have to see original paper of seller even asked for there copy of ID Proof aadhar/ PAN CARD....so that you can be sure that you are buying the property from the actual owner.
Asked the Seller to share the doc with you

  1. Account ledger payment to builder
  2. Payment receipt to Builder
  3. Transfer permission
  4. Seller की  PAN OR AADHAR की  COPY
  5. 1st alotee के पेपर हमेशा चाहिए होते है
  6. Builder buyer agreement
  7. Allotment letter
  8. Completion certificate of building
  9. Possession letter
  10. Noc from builder
  11. Occupancy certificate
  12. Demand letter
इसे भी चेक करे। 
HET  (VAT ) tax Haryana Government 1% charge करती  है और बिल्डर 6% मांगता है।  बैंक गारंटी  के फॉर्म में ताकि अगर आप प्रॉपर्टी बेच कर चले गए और बाद में सर्कार ने मानेगा तो बिल्डर को देना पड़ेगा।

रजिस्ट्री से पहले ये पेपर  चाहिए होते है। 
Is Property Free hold?
NOC From Bank
Builder Proposal mail/doc for the registry  - amount of stamp paper, Document for Stamp paper  Purchase and another Document requirement
OC & CC of Flat / Floor

Once you  are satisfied with paper shared by seller then make the agreement of sell 

AGREEMENT TO SELL में क्या धयान में रखे। 
Court Registered agreement made at court at minimum 2% of  Sell value.
The agreement should be maid Minimum of 100/- Stemp paper and notarized. 


This Agreement to sell is made and executed at Gurgaon, on this ______ day of  MARCH ____2018, BETWEEN _____________________________________________________R/O ________________________________hereinafter called the “FIRST PARTY” of the one part:


___________________________________________________R/O_______________________________________________,hereinafter called the `SECOND PARTY’ of the other part:

The expression of the terms First Party and Second Party wherever they occur in the body of this Agreement shall mean and include them, their respective legal heirs, successors, legal representatives, executors, nominees, assignees.

WHEREAS the First Party is the lawful owner of Flat No. ___________________________having area of  ______ Square feet with 2 Basement Parking ( basement parking number) and one Open parking (open parking number ), (hereinafter called the said property).

AND WHEREAS the first party due to his legal needs and bonafide requirements has agreed to sell, transfer, convey, assign their rights, title, interest in respect of the said property unto the second party and the second party agreed to purchase the same for a total sale consideration of Rs. _____________(Rupees _____________ Only).


1.    That the total sale consideration has been mutually decided and settled between both the parties are Rs._____________ (Rupees ____________Only).

2.    That the first party has received the advance consideration amount of Rs. __________________

3.    The balance amount of Rs. _____________shall be paid by the second party to the first party at the time of execution of Sale Deed in favour of second party.

4.    That the first party hereby assures the Second Party that the said property under sale is free from all sorts of encumbrances such as prior sale, mortgages, will, gift, lien, decree, charges, surety, security, litigation, disputes, loan etc., and there is no legal defect in the title of the ownership of the first party, if it is proved otherwise, then the first party shall be liable and responsible to indemnify all the losses/damages, thus suffered by the second party.

5.    That all the dues, demands, taxes, charges, liabilities and outstanding if any, shall be paid by the First Party upto to the date of handing over the peaceful physical possession of the said property to the second party and afterwards the same shall be paid by the Second Party.

6.    That the said property is the self-acquired property of the first party and that except the first party nobody has any right, title, interest, claim or demand whatsoever in respect of the said property.
7.    That there is no subsisting agreement for sale in respect of the said property or any part thereof in favour of any other person or persons except with the second party.
8.    That the cost of sale permission, stamp duty, registration fee and all other legal expenses shall be paid and borne by the second party.
9.    That the first party shall hand over the actual vacant peaceful physical possession of the said property to the second party at the time of execution of Sale Deed and other documents at the Sub-Registrar’s Office, By______________, 2018.
10. That the complete amount paid towards the deal against the said property is the total responsibility of the First Party.

11. That the first party shall hand over all the original title documents relating to the said property to the second party at the time of execution of Sale Deed and other documents in favour of second party at the Sub-Registrar’s office, By ____________________, 2018.

12. That the first party and second party hereby agreed to execute the Sale Deed and other documents for the transfer of the ownership of the said property on or before _______________, 2018.
13. That in case the First Party i.e. seller refuses to honour this agreement, he will have to pay immediately to the buyer i.e. to the second party an amount equal to the double of the advance amount and, if the second party refuses to honour this agreement, First Party will have the right to forfeit advance amount paid under this agreement

14.  Further, it has been mutually decided and agreed that the seller (FIRST PARTY) is taking the advance amount from the buyer (SECOND PARTY) to get the registration done and payment of outstanding dues to the builder for the property in question mentioned above .  In case the First party ie. the seller backs out of the property deal or refuses to honour the agreement, he will have to immediately pay to the buyer double the amount equal to the advance amount paid by the buyer as on date __________. If the second party refuses to honour this agreement, First Party will have the right to forfeit advance amount paid under this agreement.  
15. Original paper need to be handower of property as per bank lian subject to home loan of buyers. if Loan denyed due to unabvalability of and  Property paper seller will refund  double of advance  taken from buyer second party. 

IN WITNESS WHEREOF THE PARTIES above named have put their respective signatures of the agreement to sell on the day, month and year first above written in the presence of Witnesses.


WITNESSES:                                                FIRST PARTY
                                                                                   Aadhar No: 


Aadhar No: 


Aadhar No:                                                                                                                                                                                                                                 SECOND PARTY


                                                                                     Aadhar No:  

1) AGREEMENT TO SELL BETWEEN BUYER AND SELLER ON Rs 100 stamp paper duly notarised .( white amount agreement ). The agreement to sell can mention the internal transfer language . That the seller has taken loan from HDFC and the loan is transferred from sellers loan account no.... to your loan account no....
2) Copy of the entire Chain of property papers. ( Builder buyer agreement , allotment letter , possession letter or intimation for possession , receipts of payment , Conveyance deed.
4) CANCELLED CHEQUE COPY signed by seller in the account in which he wants the payment.
5) Details of own contribution - copy of the bank statement from which you will be making the payment or payment made (showing own funds from which payment has to be made to seller ).
6) If property registration is above Rs 50 lacs – TDS declaration to be signed.
7) Internal transfer letter as attached .
8) List of docs held by HDFC of the seller . Will try to get this from HDFC . Since this is chargeable and given to borrowers only, your seller may have to arrange for this.

9) PAN CARD , address proof , AADHAR card and one photograph

Property Papers:
·        Permission for construction (where applicable)
·        Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale
·        Occupancy Certificate (in case of ready to move property)
·        Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt
·        Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property)
·        Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller
·        Copy of all property paper (complete chain of the property) along with sanction plan & PTM  (approved map by the authority) 

अगर लोन लेना हे तो क्या धयान में रखे क्या पेपर चाहिए

01 .Latest photograph pasted on application form (fully filled and signed). 
02. ID, SV, DOB and Residence proof (Pan card, Voter card, Aadhaar card, Passport & Latest utility bill). 
03. Employee ID card and highest qualification proof. 
04. Last 03 months salary slip. 
05. Last 02 years form-16 and ITR or form-26AS. 
06. Last 06 months salary A/C statement. 
07. Copy of sanction letter of all running loans and track records (if any)Details of existing loans going on along with there sanction letters/schedules and bank statements for last 6 months from where the EMI is being debited.                             
08. List of documents and current outstanding letter. 
09. Copy of all property paper (complete chain of the property) along with sanction plan & PTM  (approved map by the authority) 
10. Processing fees cheque in favour of ...... (6800) 
11. Lawyer fees in case of resale without registry (fees Rs.2000) and with the registry (fees Rs.3500 in NCR or 4000 in Delhi) in Bhiwari 6000 

List of papers/ documents applicable to all applicants:
·        Employer Identity Card
·        Loan Application: Completed loan application form duly filled in affixed with 3 Passport size photographs
·        Proof of Identity (Anyone): PAN/ Passport/ Driver’s License/ Voter ID card
·        Proof of Residence/ Address (Anyone): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or a copy of Passport/ Driving License/ Aadhar Card

Account Statement:

·        Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s
·        If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year
Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:
·        Salary Slip or Salary Certificate of last 3 months
·        Copy of Form 16 for last 2 years or a copy of IT Returns for last 2 financial years, acknowledged by IT Dept.

Saturday, January 13, 2018

राम मंदिर किस किस को चाहिए केवल वही इस ट्वीट को RETWEET करें, देखते है कितने लोग सपोर्ट में है !- #जयश्रीराम राम मंदिर का मुद्दा केवल चुनाव में ही याद आएगा।

राम मंदिर किस किस को चाहिए केवल वही इस ट्वीट को RETWEET करें, देखते है कितने लोग सपोर्ट में है !

2019   आ रहा है । फिर वोट लेने आएंगे। राम मंदिर मुद्दा जिंदा रखा जाएगा। सब अभी कर देंगे तो फिर किस राम के नाम पर वोट मागेंगे। याद रखिये सब जुमला है @EconomicTimes @RSSorg @narendramodi @BJP4India @myogiadityanath @CMOfficeUP @ndtv @MVenkaiahNaidu @dna @CNN
राम मंदिर का मुदद्दा केवल चुनाव के समय ही क्यो याद आता है। और चुनाव होते ही सब भूल जाते है। अगर राम से प्यार है तो अक्षरधाम स्वामी नारायण मंदिर की तरह हर राज्य में क्यो नही बनाया आयोध्या वाला राम मंदिर। क्या सरकार राम मंदिर दिल्ली , नोएडा गाज़ियाबाद, मध्यप्रदेश जबलपुर..... में बना कर जनता को तीर्थ स्थान के रूप में देगी। क्या वो domestic टूरिज़म को बढ़ावा  देगी। @RSSorg @BJP4India  @narendramodi @SushmaSwaraj @rajnathsingh #जयश्रीराम
क्या बुद्ध सर्किट की तरह राम भगवान का भी तीर्थ सर्किट नही होना चाहिए।
शिव धाम की तरह हर राज्य में राम धाम नही होना चाहिए।
देश मे 29 राज्य है तो देश मे कम से कम आयोध्या वाले राम मंदिर के 29 राम धाम तो बना सकते है। हर राज्य में एक।भव्य और अद्धभुत राम धाम।
@sambitswaraj  @RSSorg @EconomicTimes @PMOIndia @FightForRERAInd क्या कुछ करेगे या सारा धयान दूसरे क्या कर रहे है इसमें ही रहेगा। या फिर सिर्फ़ सारे प्रदेशो में चुनाव यात्रा। कभी वेमुला तो कभी घर वापसी तो कभी 15 लाख कभी कुछ जुमला । कुछ ग्राउंड लेवल इम्पलीमेंट भी करे

Friday, January 12, 2018

Passport Won't Work As Address Proof- पासपोर्ट को कमजोर करने की साज़िश रची जा रही है।

पासपोर्ट को कमजोर करने की साज़िश  रची जा रही है। 

पासपोर्ट में address तो होना ही चाहिए साथ - साथ BAR Code और QR Code भी  होना चाहिए। 

Passport की value को काम नहीं करना चाइये। 

बल्कि इसमें emergency contact number v email id भी पब्लिश होना चाहिए ताकि अगर कोई मुसीबत ने फास जाए या एक्सीडेंट फोरिगिन कंट्री में होने की कंडीशन में परिजनों को संपर्क किया जा सके। 

यहाँ तक की आधार , पैन  और लोकेशन को भी गुप्त कोड से मैप कर प्रिंट होना चाहिए।  ताकि पुलिस विभाग और पासपोर्ट इमरजेंसी टाइम में easily  ट्रैक कर सके

जहा तक माता पिता पालक के नाम का सवाल है  ये फील्ड optional  होना चाहिए। अगर एप्लिकेंट चाहे  तो स्वेच्छा से डिटेल दे सकता है  और वो  प्रिंट होना चाहिए पर  फील्ड जरुरी नहीं होना चाहिए। 

पासपोर्ट Quality को   भी इम्प्रूव करना चाहिए। अभी पेपर quality  बहुत गठिया है. 

Passport Won't Work As Address Proof Anymore, New Format Soon


Reference: PMOPG/E/2018/0020561 – Passport quality

Reply Received from Ministry of External Affairs : 

Please visit the following link for your grievance: http://mea.gov.in/press-releases.htm?dtl/29405 OR Continuing with the practice of printing the last page of passport and not issuing separate passport with orange colour jacket A decision was taken by the Ministry of External Affairs on the recommendations of a three Member Committee comprising officials of MEA and the Ministry of Women and Child Development, not to print the last page of Passport Booklet. MEA also took the decision to issue a passport with orange colour jacket to passport holders with ECR status, with a view to help and assist them on priority basis. The MEA has received several individual and collective representations requesting to reconsider these two decisions. At a meeting chaired by Smt. Sushma Swaraj, External Affairs Minister, on 29th January, 2018, in the presence of General (Retd.) Dr. V.K. Singh, Minister of State for External Affairs, the decision of the MEA on both these issues was reviewed in the light of these representations. After comprehensive discussions with the various stakeholders, the MEA has decided to continue with the current practice of printing of the last page of the passport and not to issue a separate passport with orange colour jacket to ECR passport holders.

PMOPG/E/2018/0020561 – Passport quality

Tuesday, November 7, 2017

Connecting rivers -one of major contributor in India GDP growth in Next 2 Years

Connecting rivers - Waterway development safeguarding the water waste 

Possibility of approximate 5 lakhs + job boost due to this initiative
Boost of water transport
Boost of agriculture industry due to availability of water
Boost of Hotel and restaurant Industry  
Boost the tourism industry 

5 projects connecting rivers will begin in 3 months: Nitin Gadkari

Save the water for your children

Water Transport

Boosting Irrigation  & agriculture by Water Management  

Canals In India 

The 5 Longest Canals in India

Indian states are full of canals used for irrigation and as water transport in different parts of the country. These water transports of India play a very important role in irrigation of crops in drought region of India such as Rajasthan and Tamilnadu. Indian governments has launched many projects for rivers Inter link and National Waterways.

Upper Ganges Canal

The Upper Ganges Canal is the main canal of Ganges canal system projects, which starts Haridwar to Aligarh district via Meerut and Bulandshahr. The 1412 Km long Upper Ganges Canal is use to irrigates the Doab region of India.

Indira Gandhi Canal

The Indira Gandhi Canal is the longest canal in India and the largest irrigation project in the world. Indira Gandhi Canal is 649 km long and consists of Rajasthan feeder canal and Rajasthan main canal and runs through 167 km in Punjab and Haryana and remaining 492 km in Rajasthan. The canal is one of the project of Green revolution in India and also runs through The Great Thar Desert.

Buckingham Canal

The Buckingham Canal is a fresh water canal runs from Vijayawada to Villupuram District in Tamil Nadu. Buckingham Canal is second longest canal in India with an length of 421.55 km runs, along with Coromandel Coast of India. It connect most of the water bodies like Pulicat Lake,Krishna River and the port of Chennai.

Sutlej Yamuna Link Canal

The Sutlej Yamuna link canal also known as SYL is a major project to connect the Sutlej and Yamuna rivers. Sutlej Yamuna link canal is 214-km long freight canal which will create important commercial links to India. The Sutlej Yamuna waterway is 90 percentage completed but the remaining 10 is still remaining.

Sharda Canal

The Sharda Canal is the longest canal in Uttar Pradesh along with its several branches it form a network of canals. Sharda Canal is located in the Pilibhit district and has a total length of 938 Km including all branches.

Narmada Canal brings water for the farmers and residents of Jalore District and Barmer Districts of Rajasthan and rest of the part of Gujarat, from the big Sardar Sarovar Dam.

Narmada Canal

construction work of the Kutch Branch Canal (KBC) at Rapar town in Kutch district. Narmada water will be available to Kutch for irrigation

The Kutch Branch Canal will be 360 km in length with discharge capacity of 7,700 cusecs. More than 2.78 lakh acres of land in 182 villages of seven talukas of Kutch will benefit with water for irrigation.
Narmada’s gravity ends at Banaskantha, so three big pumping stations will be constructed to provide water by way of lift irrigation at the cost of Rs1,265 crore.

Solid waste Management and Electricity Generation from waste

Solid waste Management and Electricity Generation from waste 

कचरे से बिजली बनाना। 

#NGT #PMOindia #Smartcity

कचरे से बनी बिजली से जगमगाएंगे शहर, मध्य प्रदेश सरकार ने शुरू की नई पहल

रीवा और सतना जिले की नगरपालिका और नगर पंचायतों से निकलने वाले कचरे से बिजली बनाने की योजना है। मध्य प्रदेश सरकार नई तरह की योजना बना रही है।

Solar Kranti will be next one of the major contributor in India GDP growth

Solar Kranti  will be next one of the major contributor in India GDP growth

#Smartcity #RERA #NGT

Solar Kranti

Electricity is generated using daylight, which means Solar Panel work even on cloudy days.

Bescom earlier this year, allows any consumer who has solar panels installed at his residence to sync with Bescom's grid and feed any excess electricity generated back to the grid after their home requirements are met. It's a simple dual-meter system, where both your input and intake are measured.

"Under the scheme, customers can both import electricity from the grid and export excess electricity after self-consumption. While the maximum they pay per unit is Rs 5.50 per unit, they gets back Rs 9.56 for per unit produced,"

The only criteria to enter into a power purchase agreement with the electricity supply company is that you should have roof rights and the space to install at least a basic 1KW solar panel system.

"For individual home  owners, a 10ft x 10ft shadow-free roof space, is sufficient for a 1 KW system that can generate around 4 to 5 units of electricity per day

the smallest 1 KW solar system, which can be put up on 100 sqft terrace or rooftop area, the cost around Rs 1 lakh along with another Rs 3000-4,000 for the second meter. The bigger ones of around 5KW capacity can cost up to Rs 5 to 6 lakh. However, since the system is a one-time cost that has an average life-span of 25 years,

The average monthly electricity consumption of a 2BHK in Bengaluru is around 200 units.This means, you would need at least a 1.52 KW Solar PV system that produces around 230-250 units per month, depending on the weather conditions, to be a Rs net exporter'.Generation capacity may decline during heavy downpour duration, typically for an hour or two during monsoon season.However, electricity is generated using daylight, which means they work even on cloudy days.

This system will cost around Rs 2 lakh. There are no recurring costs as the life of the panels is 25 years and you do not need batteries to store the energy as you are directly connected to the grid.

IIT Delhi Solar System 

IIT Delhi Solar System 

Solar Power panel in every public street light  to  reduce the load of power consumption
solar outdoor light, solar street light & solar water pump 

Mandatory policy for solar panel installation in multi story building balcony sheds to reduce the power dependency load.

Image result for Solar Kranti

Mandatory policy for every mall should have solar system and cooling tower to reduce load of power dependency.

सूरज के ताप से खेतो में पहुंच पानी

अमर उजाला 

 Solar Parking Lot- Smart city 

Policy for parking licence only when supporting solar parking lot .every parking lot should have solar parking lot specially in metro parking , 

Gujarat’s solar panels over canals project is a great idea for sustainable energy production

Solar panels on top of canal

Gujrat has over 2,965 acres, rows of photovoltaic cells or solar panels laid out across the state to harness the sun. They are generating 214 MW of electricity every day out-performing China's 200 MW Golmund Solar park. Gujarat invests nearly Rs 2,000 crore an year on renewable energy which has attracted investments of Rs 9,000 crore so far on solar energy projects.

Rajasthan floats an RfP for 2 MW Grid connected Solar PV power plant on Canal top! A GERMI study by Kaushik Patel