Thursday, February 11, 2016

Do Propertyo Per Stamp Duty Me Choot- Propery Culsultation

Doosri Property ki Stamp Duty Par Choot Mil Sakti Hai?

Q1: Meri 2 housing property hai, Ek jaldi me hi kharedi hai. Dono hi housing loan per hai. Ek me mai reh raha hu, dusre me mere rishtedar hai. Mujhe dono me se kisi bhi porperty se kamai nahi ho rahi hai. Lekin mai pehle khareedi property per tax choot le chuka hu. kya dusri porperty per bhi tax choot le sakta hu, Kya dusri porperty ki stamp duty per milne wali choot ke liye awedan kar sakta hu, Pehli wali property ke liye mai aisa kar chuka hu, Krapya bataye.
Prabhat Singh, Gurgaon.

Ans:
Ek vyakti kitni property khareede, eski koi seema aykar ect me nahi batai gai hai. Lekin agar kisi ke paas do property hai, Jisme se ek me wah aur dusre me uska rishtedar rah rahe hai to ek kouse self acupayed property ke taur pe ghoshit karna hoga. Aisa karte hi mana jayega ki dusri property kiray per de gai hai. es tarah esse kiray ki ek anumanit ay bhi mani jayegi, es tarah self accupayedproperty ka varshik mulya shunya mana jayega aur vyakti property lene ke liye 2 lac Rs. ki seema tak ke loan per byaj ke bhugtan ka davedar mana jayega. aap home loan ke repayment ke liye es per aykar labh le sakte hai, aap dusri property ke liye de gai stamp duty ke liye tax choot per laabh le sakte hai. Ho sakta hai ki aapne kisi aur saal me kisi aur property ke liye esi prakar ki choot ka labh liya ho. Es property ke liye bhi aap aisa phir kar sakte hai.

Kya Flat Ka Malikana Haq Do Logo Ko Mila Sakta Hai?

Q2: Meri patni ne naukri ke dauran homeloan liya tha. ab unki naukri nahi hai, esliye mai home loan ka dayitwa khud per sthanantarit karwana chahta hu. Kya esse flat ka malikana haq bhi badal jayega? Kya hum dono makan me sajhedar ban sakte hai?
Samar Mishra, Faridabad.

Ans: Jee ha, Aap apni patni ki taraf se home loan ki EMI anaupcharik roop se ada kar sakte hai. Lekin es par aapko koi tax choot nahi milne wali, kyoki aap property me sajhedar nahi hai. aap bank se kahkar apna naam property ke sajhedar se taur per judwa sakte hai, Lekin eske liya aapko stamp duty ka bhugtan karna padega.




Kya Mai Kuch Awadhi Ke Liye EMI Rok Sakta Ho?

Q3: Maine 19 Lac Rs ka loan liya hai. eski pratimah EMI 20,000 Rs hai. Mere flat ki vartman keemat 50 lac Rs ke lagbhag hai. Mai Mumbai me 11 mahine ka ek management program karna chahta hu. es dauran mere paas koi naukri nahi hogi. Kya yeh sambhav hai ki utni awadhi ke liye me apni EMI rok saku.
Ritesh Malhotra, Ghazibad.
Ans: Behtar hoga ki aap use avadhi ke liye koi entezam kar le. Taki apka naam defaulters ki list me na jude. Eska ek tareeka yeh ho sakta hai ki naukri chodne se pehle, yadi aap yogyata shart per khare utarte hai, to apni karzdata santha se top-up loan le len aur uska upyog 11 mahino ki EMI va Top-up loan ki EMI chukane me kar de. Sarvottam yeh hai ki aap education loan le, Taki course ki fees usse chukay aur apni savings se home loan ki instalment chuka de. Na ki apni savings se course ki fees chukay.

Dusri Property Per Tax Choot Kaise Paye- Kanooni Salah

Ek Se Jayada Property Hone Per Tax Me Choot Milegi Ya Nahi?

Q1. Maine apne bete ke naam per Delhi me ek flat khareeda tha, lekin ab use bechna chahta hoo. Ab mera beta Bangluru me rehta hai, vah es kaam ke liye Delhi nahi aana chahta. hum saare kaam kaise kare? 
Shantanu Singh, Delhi 

Ans. Apka beta apke naam per power of attorny banwa kar se sakta hai. Uske baad aap property ki khareed se sambandhit karwahi anjam se sakte hai.

Q2: Mai ek awasiye yojna me puri tarah furnished flat khareedne ki soch raha hu, Lekin esse pehle mai flat ke construction ke bare me pata lagana chahta hu. Mai es bare me kya kar sakta hu. Krapya bataye. (Please Help).
Ajay Mathur, Noida

Ans: Certificate ke bare me puchna chahiye. Aap pata kar sakte hai ki building es tarah ke sabhi kagzaat ke anusar banai gai hai ya nahi. agar awikrut yojna se kuc alag nirman hua hai, to phir yeh dekhna hoga ki uske liye anumati le gai hai ya nahi ya usse sambandhit muawaze ye bhugtan aadi adhikrut ekai ko kiye gaye hai ya nahi.

Q3: Mai ek NRI mahila hu aur mai Delhi me ek flat ko kiray per dena chahti ho, Kya mai aisa kar sakti hu, aur aisa karne ke liye mujhe kisi se anumati ki awashyakta hogi?
Shiksha Shrivastav, Delhi

Ans: Je Haa, Aap reserve bank of India ya kisi anya adhikarik ekai ki anumati ke bina hi makan kiray per de sakti hai. Jo kiraya milega, vah NRO account me jayega ya phir videsh bhej diya jayega.


Q4: Maine 6 mahine pehle 5 saal ke liye lease per makan liya hai. kuch karano se lease deed ragister nahi karai ja saki hai. ab uska ragistration karana hai, Kya hum aisa kar sakte hai?
Mohan Singh, Noida.

Ans: 1908 ke Indian ragistration act ke anusar 11 mahine se jyada ki awadhi ki lease deed ko karyanvayan ke 4 mahine ke andar ragister karwana jaroori hota hai, lekin kuch apwad mamlo me ragistrar 4 mahine ka atirikt samay bhi de sakta hai. per yeh sthitiyo aur tathyo per nirbhar karega sath hi apko eske liye jurmana bhi dena hoga. Jis up-ragistrar ke adhikar shetra me yeh property padti hai, uske office me avedan kar sakte hai.

Tuesday, February 9, 2016

Vastu Shastra Apnay Baccho Ka Bhavishya Banay

Apne baccho ke bhavishya ki har kisi ko chinta rahti hai, Khaastaur par unki padhai aur sehat ko lekar. Ve man lagakar padhe aur pariksha me acche ank laye, saath hi unki sehat bhi durust rahe, eske liye vastushastra me kuch upay bataye gaye hai, aaiye jane unke baare me-

Vibhin shetro me badhti pratiyogitao ko dekhte hue aajkal ke samay me saare abhibhavako ko apne baccho ki chinta lagi rahti hai. Kisi ko bacche ki padhai ki chinta hai, to kisi ko apne baccho ki sehat ki, agar aap bhi ese tarah ki chinta se thora chutkaara pana chahte hai to kuch vastu upaay aapke liye kaafi sahayak ho sakte hai.

  • Kai bacche ekaagra chit hokar ek baar me jyaada der tak nahi padh paate to kai jaldi apne paath yaad nahi kar paate hai, kuch bacche class me padhay gaye paath ko bhool jate haiaur es tarah ve apni mehnat ka poora phal prapt nahi kar paate. Eske liyebaccho ko Eshaan Kon me baithakar padhai karwana chahiye. Saath hi padhte samay unka mukh bhi poorv, uttar ya uttar-poorv disha me karwana chahiye. Aise padhdai karne se man ekagra hota hai aur bacche ka padhai karne se man ekagra hota hai aur bachee ka padhai me man lagta hai. 
  • Baccha jis kamre me padhai karta hai uski uttar-poorv divar par maa saraswati ki tasvir lagaye, jisse bacche par unka aashirwaad bana rahta hai.
  • Bacche ke kamre me agar diwar ka rang halka neela ya aasmani ho to yah laabhdayak siddh hota hai. Parde, chadar, kursi ki gaddi ya takiye ka rang bhi neela rakh sakte hai.
  • Anavashyak roop se kitabe-copiya kabhi bhi bikhri nahi rahni chahiye. Mej par navgrah, piramin, education tower ya globe rakhne se sakaratmak urjaa ka pravah badh jata hai. Bacche jyaada der tak ekagrachit hokar padh paate hai.
  • Bacche ki pustake aur school ka bag dakshin ya dakshin-paschim disha me nahi rakhna chahiy.
  • Bacche ki sehat bhi mata-pita ke liye aksar chinta ka vishay rahti hai. swasth shareer me hi swasth dimaag rahta hai. saath hi accha swasth aapke bacche ke sarvangin vikaas ke liye bahut jaroori hai. Aise me ye dhyaan rakhna chahiye ki bacche ko vitamin, calcium aadi ke diye jane vale tonic ya kisi prakar ki davai rasoighar me na rakhi jaaye. AKsar ham log freeze ya chammach ki uplabdhata ke chalte dawaiya rasoighar me rakh dete hai. yah bahoot hi galat hai. dawaiya apna kam kargar taur par kare, esliye jaroori hai ki unhe uttar ya uttar-poorv disha me rakhna chahiye.
  • Vastu ke anusar baccho ke acche sharirik vikaas ke liye unhe kabhi bhi ghar ke dakshin aur dakshin-paschim yani Nretatya kon me nahi sulana chahiye aur na hi es ore baithkar unhe padhna chahiye.
  • Baccho ke asamanya vyavhar me sudhar ke liye agar uttar, poorv ya uttar-poorv disha me baithkar abhibhavak unse baatchit karte hai to uske sakaratmak parinaam dekhne ko milte hai.
  • Baccho me kai tarah ke talent hote hai, Aksar bacche kisi na kisi khel, sangeet ya chitrakari me kaafi utkrast hote hai, aise me ense sambandhit unki samagri jaise guitar, pent brush, carom, aadi ghar ke poorv ya uttar-poorv kamre me rakhne chahiye. aisa karne se kai baar sakaratmak prabhav dekhne ko milte hai. 

Monday, February 8, 2016

Chota Ghar Dikhega Bada- Home Decoration

Ghar chota ho, to saman bikharne me nimut nahi lagta hai. Aise me kam jagah aur kam lagne lagti hai. Aiye jaane chote ghar ki avyavastha ko kam karne ke kuch nuskhe interior ki ray me-

Apartment aur flat culture ke es daur me aam aadmi aamtaur ar do kamro ka makan malik hi ban para hai. lekin ghar ke liye jaroori saman aur sadasyo ki sankhya ke saamne aksar yah jagah bhi choti lagne lagti hai. Samaan ka bikhrav kaabu nahi aata. aisi sthitiyo me apne ghar me jagah nikaalne ki sochiye. yah kathin kaam interior designers ke liye aasan hai.

Bekaar Saman Ho Ghar Se Bahar

 Ghar ko avyavasthit karne me sabse bada hath un bekaar chijo ka hota hai, Jinhe ham na to istemaal karte hai aur na hi kisi ko de sakte hai. Esliye sabse pahle raddi ko haftavaar nikaale. purani saadiyo ko bistaar ya furniture ke cover banane me laga le. Esse almari khali hogi. Jaroorat ki copy-kitabo ke liye book shelf banva sakte hai. Ghar me hangers bikhre na rahne de. unnhe ek saath tange. Packing ke khali dibbo se bhi nijaat paye, ese prakar any saman ke liye jagah banegi.

Laye Double Duty Furniture

'Saman Ek Fayede Anek' yani double duty furniture. Ese tarah ke furniture me sofa, gaddedar chouoki, daraaj vali cofee table aur palang aadi aate hai, Sofa ya gaddedar chouki me andar ki ore saman rakhne ke liye jagah bani hoti hai, jisme aap apne uuni kapde va jaroorat ka saman rakh sakte hai. Es tarah ke furniture chote gharo ko vyasthit rakhne ke liye sabse upyukt mane jaate hai. Daraj vali table me T.V. AC ke remote, Akhbar, magazine aadi tareeke se rakhe ja sakte hai.

Soft Toy Velcro Par Chipkay

Ghar me khiloune jaha-taha bikhre rahte hai to kisi kude-karkat se kam nahi lagtte hai, enhe sambhalna bada uljhan bhara kaam hota hai. Ye jagah bh bahut gherte hai. Eske liye aap diwar par keel ki madad se Velcro lagakar soft toys ko chipka de, yah dekhne me sundar to lagenge hi aur vyasthit bhi lagenge.

Aise Rakhe Rasoi Vyasthit

Kitchen vyasthit rakhna sabse mushkil bhara kaam hai, Aalu pyaaj, lahsun aadi ke liye teen floor vali rack ka prayog kare. Masale rakhne ke liye megretic container ka prayog kare, JInhe aap freej par chipka sakte hai aur dekhne me bhi stylish lagte hai. Bartano ki almari me ek lid lagay, jisme aap cukar, pateele, frying pen aadi ke dhakkan ko tareeke se laga sakte hai. Jaroorat pade to fork, chammach, churi aadi ko rakhne ke liye drawer me divider lagay. Eske alawa safai se judi cheeje jaise- Duster, cleaning brush, soap aadi rakhne ke liye sink ke paas ek chota cuburd banva sakte hai.

Box Bhi Upyogi

Ghar me aisa saman bhi jaroor hota hai, jiska eskemal ham hamesha na karke kabhi-kabhi kiya jata hai. Jaise bijli ka saman, decoration light wulb, winter shoes aadi. Ese tarah ke saman ko edhar-udhar rakhne ke bajay box ka estemal kar sakte hai. Lekin kai baar box me saman bhar dene ke baad jaroorat padne par inko dhudhna mushkil ho jata hai. esse bachne ke liye chahe to saman ki list bana kar box par chipka sakte hai. esse box me rakhi chije dhoondna asan hoga.

Partition Se Ban Jaye Baat

Dressing table ya anya kisi daraj me partition karke bhi saman ko vyasthit karke rakha jaa sakta hai. Eske liye aap gatte ko daraaj ki aakar anusar katkar unpar colorful paper chipkaye aur phir daraaj me thori-thori doori par lagakar partition kare. ese tarah aap apne meckup ki choti-choti chijo jaise- pin, hair clip, ring, kajal, ear ring, aadi ko vyavasthit tarike se rakh sakte hai. Chahe to daraaj me choti-choti katoriya rakhkar bhi unme samaan rakha ja sakta hai eske alaava cork board par pin lagakar us par apne neck piece, bracelet latka kar stylish look de sakte hai.

Friday, February 5, 2016

Gift Deed Lena Behtar Ya Sale Deed: Property Samadhan

Property Samadhan


Question- Mere pitaji ke paas ek plot hai, jis par mai apna ghar banana chahta hu, Jis par me apna ghar banana chahta hu. Agar mai eske liye home loan lu, to mujhe kya karna hoga? Tex me chut pane ke liye koun sa raasta sabse accha saabit hota-mere pitaji se gift deed ya sale deed?
Antikesh Sharma, Noida

Answer- Chunky aap jameen ke malik nahi hai, esliye aapkpo lan ke byaaj par aur loan ke repayment par tax ke labh nahi milenge. Agar aapkpo malik banna hai to ki co-owner, to aapko ta gift paane wale ya ki kharedar ke taur par eska malikana adhikar lena hoga. Agar yah aapko gift ke taur par milta hai, to eske transfer socument me lagne vali stamp duty par bachat hoga.

Question- Maine shuruat me bank se loan liya tha, fir apni property ko bechkarapna loan bhi bhar diya. Maine naya ghar liya hai aur naya loan bhi ek anya bank se. Kya dono hi loan par tax ka fayda le sakti hun?
Mahima Singh, Noida

Answer- Ye prashan use varsh se sambandhit hoga, jisme pahla vala loan chukaya gaya aur dusra liya gaya. Jab bikne vale ghat ke liye loan ki baat aati hai, to byaaj ka hissa kiray se hone vali aamdani se ghata diya jata hai. Lekin agar dono hi property upyog me lee jati rahi hai,to phir sthiti jara pareshani vali ho jaati hai. Enme se kisi ek ko hi aapko khud ke upyog me lee ja rahi property ke taur par lena hoga aur use varsh me property ke liye dey byaaj ki seema2 laakh rupay prativarsh tak par hi hogi. Dusri proeprty ke liye mana jayega ki vah kiray par hai aur use par dey byaaj use property se shone vale kalpanik kiray ki aamdani se kata jayega.
Ya maan le ki aapka makaan newnatam 5 saal tak aapke paa raha, to dono hi loan par chukaya jane wala principal payment section 80C ke tahat kata jayegea. Agar jo ghar becha gaya hai, use aapke malikaana haq me 5 saal se kam samay hua, to use varsh me kisi bhi home loan ki mukhya rashi me se kisi tarah ki koi chut nahi milegi aur principal amount ke hisse ke liye usse pahle ke varsho me daava ki gai katauti ko use varsh ki aay mana jayega, jis par tex lagega.

Question- Mai apna apartment bechkar naya ghar lena chahta hu, Maine ek bank se 3 lack rupay ka loan liya hai. Kya yah loan naye apartment ke liye tranfer ho sakta hai?
Mahesh kumar, Delhi

Answer- Home loan transfer karne vala koi pravdhan nahi hota hai. Agar aap apni vartman property bechna chahte hai, to aapko vartmaan property per kiye gaye loan ko foreclose yani ki niyat avadhi se pahle hi puri tarah chukana hoga. Nai proeprty par aapko home loan aapki credit history aur aay ke adhar par milega. Ho sakta hai ki naye loan par thori si procesing fees lee jaye.

Dusra Ghar Banega Niyamit Aaye Ka Jariye


Real estate me nivesh karna hamesha fayedemand saabit hota hai. Esliye log aksar do property to lete hi hai. Agar aap apni pahli property le chuke hai aur usme rah rahe hai, to ag;a nivesh residential property me hi karne ki soche. Ese aap aay kak saadhan bana sakte hai kiraye par dekar. Kiray par ghar dene se aapko kuch laabh honge-

  • Niyamit aay hoti hai. eske kiray se aap property ke tex, dekhrekh aur marammat aadi me hue kharch ki chinta se mukt rah sakte hai aur niyamit aap bhi hogi.
  • Margej loan ke mamle me, dhan dene wali sanstha keval use aay ko dekhegi, jo ki karj lene vale ko kiray ke madhyam se ho rahi hai. agar usse acchi aay ho rahi hai, to margej loan jaldi mil jata hai.
  • Real estate labh ke mamle me sarvottam hai. chunki aapke makaan ki value din-ba-din badhti jaati hai, esliye aap jis din ese nakad me badalte hai, aapko accha-khasa laabh hota hai.
  • Agar lambe samay tak property lease par di jaati hai, to ese bechne par ese par capital gain tex kisi bhi any aay ke strot par lagne vali dar sess kam hota hai.
  • Agar aap apna dusra ghar lene ja rahe hai, to patrikao aur akhbaro me aa rahe vigyapano ke madhyam se pata jaroor kar le ki market me rental property ke taur par kis tarah ki property jyada pasand ki ja rahi hai aur usi anusar nirnay le. ese mamle me real estate agents bhi aapki acchi madad kar sakte hai.
  • Kiray par dene ke liye apni dusi property aisi chune, jaha tak asani se pahuchna sambhav ho, bahoot upar ki manjilo ke, factory ke bagal ke ya aise hi makano ko lene se bache. Market ke paas ki property me aapko kiraydaar asaani se milenge.
  • Jo marammat karwaye, vah usake mulya me ejaafa karne vali ho, taaki aapko kiray ki rashi me laabh ho.

Ghar Me Kuch Banwaye, To Rakhe Dhyan

Waqt ke saath ghar me atirikt kamre ya kitchen me kuch aur cabinets jaisa jodne ki jarurat pad hi jati hai. Agar ghar me kuch naya banwane ki soch rahe hai, to kuch baato ka kare vichar.

Ghar ke liye aap jo bhi banwana chah rahe hai, uske design ke liye pahle kuch prernaye ekatthi kar le. Maan lijiye ki aapke kirchen ka renovation karwana chah rahe hai, to usse dambandhit design, material aadi ke bare me jitne sample ho sakte hai, utne dekh le . Eski jaankari internet ya interior decoration ki magazine aadi se le sakte hai.

Ghar Ke Use Jagah Ka Estemaal Koun Karega?

Kisi jagah ko nay sire se bana rahe hai, to ese baat par gour kare ki uske estemaal kin kaamo me hoga. in bato ka dhayan rakhenge, to vaha ke layout banane, uski fittings, vaha ke upkaran aur vaha ke rang aadi ke bare me nirnay lene me sasni hogi.

Jaroori Chijo Ki List

Bathroom aur kitchen jaisi jagaho ka upyog ghar ki baaki jagaho se jyada hota hai, Esliye yaha ki fittings ka dikhne me sundar hona jitna jaroori hai, utna hi vyaharik hona bhi, taki un jagaho par kaam karna suvidhajanak ho, jaroori chijo ki list bana le jaise ki kuch logo ko har haal me kamre me acchi roshni chahiye hoti hai, to kuch ko diwaar par kuch badhiya pattern etyaadi. Esse aap apne space ko personal touch de sakte hai.

Jagaho Ko Bekaar Na Chode

Aajkal kitchen aur bathroom ke liye aamtaur par jyaada jagah nahi milti. Kahi aisa bhi ho sakta hai ki sirf ek lambi diwaar hi khali ho. Aise me use diwaar ka poora upyog hona jaroori hai. Usme cupboard, drawyer, bench vagaireh ka prayog kar apne liye ek suvidhajanak sundar kitchen banwa sakte hai.

Sundarta Ka Rakhe Khyaal

Space ko suvidhajanak aur suruchipoorn Banana hai, to thode me hi jyaada kaam kar dikhate hai rang aur textures. Enme aapke kitchen ya bathroom me style aa jayega. Apne bathroom ko kisi theme ke anusaar renowet kara sakte hai, esi tarah kitchen ke panels ke liye kuch khaas chunaav kiye jaa sakte hai.