Ghar ya plot kharidna zindagi ke sabse bade financial faislon mein se ek hota hai. Aur sach kahein toh zyada tar galtiyan paisa dene ke baad samajh aati hain, pehle nahi. Isliye property kharidne se pehle thoda time lekar sahi cheezein check kar lena, baad ke bade nuksaan se bacha leta hai.
Is guide mein hum 7 cheezein simple language mein bata rahe hain, jo har buyer ko booking amount dene se pehle dekhni chahiye. Chahe aap pehli baar kharid rahe hon ya investment ke liye, ye checklist kaam aayegi.
Property Kharidne Se Pehle Check Karne Wali 7 Cheezein
Ownership aur title
Sabse pehle ye dekhein ki seller sach mein owner hai ya nahi. Sale deed maangein, aur sirf aakhri deed nahi, pichhle owners ki poori chain bhi dekhein. Agar property inheritance ya power of attorney se aayi hai, toh uske documents alag se verify karwayein.
Red flagSeller original documents dikhane se bachta hai ya sirf photocopy deta hai.
Land use aur approvals
Check karein ki property kis land use mein aati hai: residential, commercial ya agricultural. Builder floor ya flat ho toh sanctioned building plan dekhein, aur ye bhi ki jo bana hai wo plan se match karta hai ya nahi. Colony authorised hai, regularised hai ya unauthorised, ye bhi pata karein. Official jaankari ke liye DDA ki website ek achhi shuruaat hai. South Delhi ke mixed areas ke baare mein hamari Chattarpur wali guide mein detail se likha hai.
Red flagPlan mein 3 floors sanction hain, par building 4 floors ki ban gayi hai.
RERA aur builder ka track record
Under-construction project hai toh RERA registration jahan lagu ho wahan check karein. Builder ke pichhle projects dekhein: possession time par mila ya nahi, quality kaisi thi, aur buyers kya kehte hain. Ready property mein bhi completion ya occupancy certificate maangein.
Red flagBuilder possession ki date baar-baar badalta hai ya registration number dene se bachta hai.
Loan, dispute aur encumbrance
Property par koi loan, mortgage ya court case toh nahi, ye zaroor check karein. Encumbrance certificate aur sub-registrar ke records isme kaam aate hain. Property tax aur bijli-paani ke bills bhi clear hone chahiye. Ek property lawyer se ye sab dekhwana sabse safe rasta hai.
Red flagSeller ka bank loan chal raha hai, par wo is baare mein kuch batata nahi.
Location ka asli visit
Map par jo achha lagta hai, zameen par wo alag ho sakta hai. Site par kam se kam 2 baar jayein, ek weekday par aur ek weekend par. Approach road, metro ya bus se doori, paani, drainage aur aas-paas ke school aur hospital dekhein. Ghitorni jaise areas mein metro connectivity bada fayda hoti hai, jaise ki humne Ghitorni ke blog mein samjhaya hai.
Red flagSite dekhne se pehle hi seller "aaj hi decide karo" ka pressure daalta hai.
Total cost aur tax
Brochure ka price final bill nahi hota. Stamp duty, registration, maintenance, legal fees aur kabhi-kabhi GST bhi alag se lagte hain, aur rates state aur buyer category ke hisaab se badalte hain, isliye current figures check karein. Agar property agricultural land nahi hai aur uski value ₹50 lakh ya usse zyada hai, toh buyer ko 1% TDS katna padta hai. Iski official jaankari Income Tax Department ki website par milti hai.
Red flag"Sab kuch included hai" bola jaata hai, par likhit mein kuch nahi diya jaata.
Payment plan aur agreement
Booking se pehle ye saaf kar lein: abhi kitna dena hai, baaki kab dena hai, possession kab milega, late hone par kya penalty hai, aur cancel karne par kitna paisa wapas milega. Ye sab agreement mein likha hona chahiye. Agar aap plan ko 2 minute mein kisi dost ko samjha nahi paa rahe, toh aur sawal poochein.
Red flagWo promises jo sirf zubaani hain aur agreement mein likhe nahi hain.
Property Kharidne Se Pehle Aksar Hone Wali Galtiyan
- Sirf rate dekhkar decide karna, aur documents baad mein dekhna.
- "Sirf kuch units bache hain" sunkar jaldbaazi mein booking karna.
- Verbal promises par bharosa karna.
- Lawyer ko dikhaye bina documents par sign kar dena.
Jivarth Infra Kaise Madad Kar Sakta Hai
Jivarth Infra Ghitorni, Delhi NCR mein based hai aur plots, flats aur commercial properties mein kaam karta hai. Hamara 1% payment plan aapko sirf 1% upfront dekar booking karne deta hai, jabki traditional tareeke mein aam taur par 20% down payment dena padta hai.
Baaki payment plan ke hisaab se hoti hai. Isse aap jaldi start kar sakte hain aur aapki savings flexible rehti hain. Kisi bhi plan par sign karne se pehle hamari team har cheez samjhayegi.
FAQs: Property Kharidne Se Pehle
Property kharidne se pehle sabse zaroori kya check karna chahiye?
Sabse pehle ownership aur title, phir land use aur approvals. Ye dono sahi na hon, toh baaki cheezein zyada matter nahi karti.
Kya property kharidne se pehle lawyer se milna zaroori hai?
Kanoon se zaroori nahi, par ye bahut samajhdari ka kadam hai. Ek property lawyer documents padhkar wo risk pakad sakta hai jo aam buyer ko nahi dikhte.
Property kharidte waqt kaun-se extra kharche lagte hain?
Stamp duty, registration, maintenance deposit, legal fees aur kuch cases mein GST. Rates badalte rehte hain, isliye current figures check karein.
Kya 1% payment plan mein bhi ye sab check karna zaroori hai?
Haan. Payment plan chahe jaisa bhi ho, title, approvals aur agreement ki jaanch hamesha zaroori hai.
Final Thoughts
Property kharidne se pehle ki ye 7 cheezein thodi lambi lag sakti hain, par ye aapko bahut bade nuksaan se bacha sakti hain. Title, land use aur approvals pehle check karein, phir cost aur payment plan par aayein. Jaldbaazi nahi, jaankari aapki sabse badi suraksha hai.