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Aditi Sharma
posted on 17 MayBroker buying in Chandigarh: Payment plan confusion
Honestly, I work in real estate but buying for myself is a whole different ballgame. I'm looking at a 3BHK in Sector 24C, possibly with Ansal API, or maybe a resale in Mohali. What's really on my mind is the payment structure. Builders sometimes offer better terms for bank-funded projects, right? Or is that just a marketing gimmick? I'm wondering if a project being heavily bank-funded gives buyers more leverage on payment terms or even construction quality. Also, for resale in Mohali, is negotiation actually easier on the secondary market compared to direct builder deals? And what hidden charges should I really watch out for at possession? I know the super area vs carpet area games, but what else pops up?
#payment-plan#hidden-charges#resale-negotiation#chandigarh-real-estate#ansal-api
Comments
Sector 24C is good, location wise, but Ansal API, I'd be wary based on what others are saying. Mohali resale is a solid option, but don't forget the registry charges aur stamp duty ka budget pehle se bana ke rakhna, woh bahut impact karte hain total cost pe. And negotiate hard, especially on parking charges if they're separate, builders try to sneak those in.
Hidden charges mein kya kya dekhna hai possession ke time? RERA ke baad bhi kuch naya aata hai kya?
IFMS aur PDC (Post Dated Cheques) for maintenance ka dhyaan rakhna. Builder sab ek saath mangta hai, woh bhi lakhs mein.
Haan bhai, RERA ke baad bhi kuch na kuch naya nikal aata hai. Watch out for IFMS (Interest-Free Maintenance Security), club membership charges (even if you don't plan to use it), power backup installation charges, and sometimes even 'legal charges' for documentation that should be builder's responsibility. Also, check for any pending property tax or utility bills from the builder's side before taking possession. Yeh sab last minute pe jodd dete hain.
Resale in Mohali is generally a safer bet, believe me. Builder se deal karne mein itne hidden clauses aur last-minute surprises hote hain ki dimag kharab ho jaata hai. Secondary market mein at least property ready hoti hai, you see what you get. Negotiation bhi easier hoti hai kyunki seller ko urgency hoti hai, not like builders sitting on huge land banks. Mera ek friend ne New Chandigarh mein builder se liya tha, 2 saal late mila aur quality bhi compromised thi.
Dekho, transparency toh dono mein hoti hai agar paperwork sahi ho. Builder ki new property mein appreciation potential better hota hai sometimes, especially if it's a good developer. Resale mein renovation ka kharcha bhi aata hai. Negotiation depends on seller ki urgency pe, not just market.
Sahi kaha, Mohali mein resale deals bahut transparent hoti hain. Mullanpur Garibdass mein bhi kaafi options hain ab, check kar sakte ho.
Ansal API? Bhai, unka track record check kar lena pehle. Kaafi delays aur quality issues ki complaints suni hain. Bank funding ka funda toh marketing gimmick zyada lagta hai sometimes, they just want to show financial stability. But jab project latakta hai, bank bhi haath khade kar deta hai. Current market conditions mein buyers ko waise bhi leverage milna chahiye, demand thodi slow hai, especially for older projects. Be careful with what they promise.
Yaar, totally relate! Even being in the industry, jab khud ka ghar lene niklo toh sab hawa ho jaata hai. Payment structure ka confusion toh common hai. Mujhe bhi lagta hai bank-funded projects mein thoda upper hand milta hai, at least builder ke paas cash crunch nahi hota toh construction delay kam hote hain. Lekin terms kitne better hote hain, that's the real question.