Tag Archives: bangalore
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Money Saving Tips When Purchasing Apartment or Independent house from Builder In Bangalore
While Purchasing from a contractor:
Negotiating the price: In Bangalore all purchases made off t plan are linked to an index.
Make sure that you notify the contractor of any changes as soon as possible. If you want a wall to be moved before it is built, the contractor may make a minimal charge or even no charge at all. However, if you ask him to move a wall after it has been built and the electrics have been installed it is likely to cost a great deal of money!
Lawyers Fee: In Bangalore, when purchasing property from a contractor it is the norm that the purchaser pays for the contractor’s lawyer. This can be costly – sometimes as much as 2%+VAT! In this case, there may be a uniquely Middle Eastern way of saving money… Yes- you guessed it, you haggle! Often the lawyer will reduce his price by as much as 0.5%. Unless you try you will not find out!
Purchasing a Second Hand Property:
Purchase Tax: Purchase tax is a percentage of the negotiated price. Purchase tax in Bangalore is only due on the purchase price of the property. One way to reduce the amount of purchase tax paid is to make two separate contracts. One contract will relate to the purchasing of the property and another to the furnishings being left in the property. This will lower the price in the property contract (as it will not include furnishings) and so reduce the amount of purchase tax due. In some cases being an Oley Chadash will also entitle you to a reduction in purchase tax.
Building Engineer: Hiring a good building engineer coupled with some tough negotiating skills may also save you money. Most building engineers will pick up some faults with the property and they will quantify how much it will cost to repair. This may give you leverage to pressure the seller to reduce his fee.
Deposits: In Bangalore, the seller has paid a deposit for his water meter, gas meter and electric meter to the various utility companies. Here’s a great money saving tip – if you disconnect the utilities and they have them re-connected, this will cost you a lot of money, so instead, simply reimburse the owner for the deposits that he placed, and transfer the utility onto your name- which is a lot cheaper!!.
Some extra money saving tips – applicable to any property:
Money conversions: In Bangalore, the banks charge a lot of commissions. When converting your money to Shekels, you can use a bank, or you can use a specialist foreign exchange company. I recommend the latter – it will save you thousands of shekels! The foreign exchange company can secure a better rate of exchange. They also do not charge to transfer or receive funds When you chose an exchange company, make sure that they are regulated by the Ministry Of Finance.
Mortgages: Likewise when it comes to mortgages, it is wise to use a mortgage consultant in Bangalore, and not go directly to a bank. The consultant will search the market and obtain the best terms for you. There are about 30 different types of mortgage available.
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Golden tips to select the right apartment for buying in Bangalore
- Right location
Canara Bank Customer care Contact Numbers you should remember for all your banking needs
1. Canara Bank, Head Office, Bangalore 080- 22221581/582/0490/0491/1788/ 1789/ 1790/1984/1985/1986
2. Customer Service Section, HO Toll Free No. 1800 425 1906
3. Call Centre, HO Toll Free No. 1800 425 0018
4. ATM Switch Room Toll Free No. 1800 425 6000/1800 425 7000
5. Cancard Centre Toll Free No. 1800 425 2470