Real Estate

We are in Real Estate Business since 2014. Flats / Shops / Offices / Bungalows / Penthouses / Row house / Industrial Units/Plots (Residential-Commercial-Agricultural- Industrial/Restaurants/Hotels/Resorts Ready/Under Constructions Also For Banks And ATM (Ownership / Lease). Also Contact for Group Bookings/farms (Housing/Lands).

Identify your requirements
Purchasing property is among the biggest INVESTMENTS an individual can make, and hence it is important that your focus remains on homes that satisfy all your requirements. When searching for your ‘dream home’, you should consider the following important factors that can have an impact on your home purchase decision:
• Locality
• Proximity to amenities like transport, schools, hospitals, market, business district, entertainment centres, HOTELS , restaurants, etc.
• Area of the flat i.e. Carpet Area, Built Up Area and Super Built Up Area
• Price of the flat and price prevailing in the locality.
• Potential for future increase in price
• Facilities like car parking
• Quality of Construction
• Reputation of the builder or seller
• Perfect solution Property Services
• Let us help you find a property
• In our quest to fulfill our vision of providing a home for every Indian, we realized that it is important to develop the entire housing industry. A step in this direction is our latest OFFERING – DHFL Property Services.
• Property Services for Home Buyers
• Perfect solution has been in the business of bridging dreams and reality for over 1years. With the kind of expertise that we command, we are a perfect choice, if you are looking for a one stop real estate solution. And the best part is that we reach out to the common Indian who has plenty of dreams but is hesitant about trusting his hard earned MONEY with someone for lack of transparency.
• Perfect solution has been able to cover this gap and command the trust of millions. Perfect solution understands the feelings and sentiments that run behind purchasing a residential property and strives to give you your money’s worth.

• Our services for individual home owners and home seekers include:
• 1. Wide selection of properties
Just define the budget and the location and we will deliver a range of select options at the best price. Our network of Mumbai-pune-nasik in India staffed with experienced professionals help you to shortlist prime properties in your locality. Be it housing or commercial properties our exhaustive database can provide for all budget segments.

• 2. Quick cost effective loans As part of the perfect solution Group, we will put you on to the Home Loan Specialists , who will provide you with all the guidance to enable you secure FUNDING at competitive terms.

• 3. Zero Brokerage With our tie-ups with reputed developers across India, we OFFER you properties at special prices without any brokerage. For re-sale of your flats and offices we charge regular fees.

• 4. Easy, trouble free transactions
Through the entire transaction process, our relationship managers will guide and assist you in identifying properties and negotiating the price till the completion of the entire process.

• 5. We respect your time
Our relationship managers bring our expertise to your doorstep, so that you can preview property features and their pictures from the comfort of your office or home, while completing most paperwork at your convenience. In short we cut away the red tape to help you focus your energies in making the right choices.

List of Reputed Firms, we deal with.

K. Raheja Constructions Arihant Constructions
B.Raheja Builders Hiranandani Builder
Runwal Greens Builders Evershine Builders Pvt.Ltd.
Acme Builders Ajmera Builders
Dheeraj Consultancy Pvt. Ltd. R. N. A. Builders
Shapoorji Pallonji & Co. Ltd. Oberoi Constructions Pvt.Ltd.
L & t Builder Atul Builder
Jaycee Construction Pvt.Ltd. Ahuja Constructions
Sheth Group of Companies Kabra Builders
Kanakia Construction Kumar developers
Rizvi Builders Joy Builders
Dudhwala Group Lodha Builders
Keystone Group Mittal Builders
Wadhawani Builders A & O developers
Gundecha Builders Richa developers
Vijay Associates (Wadhawa) Satellite Group of Companies
Anchor Developers Many more……………………………………..

Home Search is the residential & commercial property services division of PERFECT SOLUTION It focuses on providing customers with a one-stop shop for acquiring their new home or finding a buyer or lessee for their property.
At Home Search, you have access to the entire real estate market, under one roof. When you choose to avail of our Home search service, you assure yourself a relaxed search experience. We assist you at each step, irrespective of whether you want to buy, sell, lease or even take property on rent.
Quite simply, it is our attempt at simplifying the process of buying that dream home by ensuring that the customer doesn't need to run from pillar to post.

Why Choose perfect solution Home Search Facility:
• We employ a comprehensive database of builders, development projects and available real estate to identify properties that will meet your individual requirements.
• We regularly update our database to ensure that you are constantly filled in real estate opportunities.
• Our in depth cognizance of various builders & real estate projects empowers us to fine tune your search. We work within the budget and area specified by you.
• We offer unbiased advice.
• We offer special schemes and attractive rates, help you negotiate the best price and advise you on payment schedules.
• We also assist you to get the best deals on Home Loans.

Our Simple 7-step Process of Identifying a Property for Purchase or Rent
• Step 1: Register with us, free of cost
• Step 2: Describe your requirement, budget and preferred locality
• Step 3: We will match your requirements with properties in our database.
• Step 4: Our counselor would then fix an appointment with you and take you to the property sites short-listed by you.
• Step 5: After visiting the sites if you finalise a property, we would assist you to negotiate the best terms and price
• Step 6: We will also assist you in completing the registration formalities for acquiring your property
• Step 7: And also assist you to get the best deals on home loans.
The benefits that income tax authorities provide, as a result of servicing a housing loan from specified financial institutions, is documented over several sources.
Section 24 of the Income Tax Act :
This section deals with deduction available on Interest paid on capital borrowed for the purpose of purchase, construction, repair, renewal or reconstruction of property. That means you are allowed to deduct an amount equivalent to the total interest payable on the housing loan from your taxable income within the same financial year.
This is now a substantial amount. It started off with the Income Tax Department offering Rs 15,000 as the maximum amount eligible for deduction in the case of self-occupied property. This later got doubled to Rs 30,000. It did not stop there. After getting enhanced to Rs 75,000, it was then taken to a limit of Rs 1 lakh. Presently, the limit stands elevated to Rs 1.5 lakh.
So, should you borrow money to purchase or construct, repair, renew or reconstruct property on or after April 1, 1999, you get a deduction of up to Rs 1.5 lakh on interest paid. The criteria being: the property has to be acquired or constructed within 3 years from the end of financial year in which the capital was borrowed and be self - occupied. When put in figures, this is quite an amount:
• Assume taxable income of Rs 4 lakh, placing the assessee in the highest tax bracket.
• Assume interest payment during the first financial year is Rs 1.60 lakh
• Taxable income stands reduced to Rs 2.5 lakh (Rs 4 lakh - Rs 1.5 lakh being the maximum limit)
• Total tax amounts to Rs 24,720 (tax of Rs 24,000 + Education Cess Rs 480+ SHEC Rs. 240)
• Tax saved is Rs 46,350 (tax @30% on Rs 1.5 lakh plus 2% EC+ 1% SHEC as purchaser is in the highest tax bracket)

Section 80C of the Income Tax Act :
A deduction u/s 80C (2) (xviii) is available on repayment of principal during a financial year up to Rs. 1,00,000/-, this aforesaid limit is within the overall limit of Rs 1 lakh specified in section 80C of the Income Tax Act. Stamp duty, registration fee or other such expenses paid for the purpose of transfer of such house property to the assessee is also considered under this amount. This deduction is from Gross Total Income.

Q. What is Stamp Duty?
A. It is a tax collected by the government, which must be paid on time. If there is delay in payment, it attracts penalty.

Q. Is Stamp Duty payable on the instruments or transaction?
A. A stamp duty paid instrument/document is a proper and legal instrument/document and such as gets evidentiary value and is admitted as evidence in courts. The instruments/documents not properly stamped are not admitted in evidence by the court.

Q. When is the Stamp duty payable?
A. It is payable either before execution of the document/instrument or on the next working day of executing such instrument/document instrument means putting signatures on the instrument by persons executing the instruments/s.

Q. What is the penalty for the delayed payment?
A. If Stamp duty is not paid on time, it attracts the penalty at the rate of 2% per month on the deficit amount of Stamp duty. However maximum penalty can be only 2 times of the deficit amount of the stamp duty. (This amendment has come into force from 01-05-2001).
Documents lodged with sub-registrar/superintendent of stamps prior to any amnesty scheme will attract lump sum penalty of Rs. 250 or Rs. 300 only, as the case may be.

Q. Who is liable to pay stamp duty?
In the absence of any agreement to the contrary the purchaser/transferee has to pay stamp duty or in case of exchange of properties both parties have to bear stamp duty equally.

Q. In whose name are the Stamp papers required to be purchased?
From 01/05/1994 stamp papers are to be purchased in the name of one of the parties to the instrument/document. If the stamp paper is not in the name of the parties and it is used for preparing the agreement it will be treated as if no stamp paper is used. However it will not make the agreement invalid and can be enforced in law if proper stamp duty is paid subsequently.
Prior to 01/05/1994 stamp paper could be purchased in any name and was valid for any period of time. However from 01/05/1994 stamp paper has a life of six months only and after that it is treated as ordinary paper as if it has no stamp.

Q. Is stamp duty on the consideration amount stated in the document or on the market value of property as determined by stamp duty authorities?
Stamp duty is payable on the market value of property. Market value of any property is determined by the stamp duty Authorities on the basis by the government every year on 1st of January. However where property is sold or allotted by Government or Semi-Government body or a government Undertaking or a local authority, like LIC. CIDCO, BMC MHADA, INCOME TAX DEPARTMENT etc., on the basis or predetermined price, then that value is accepted as market value for the purpose of stamp duty.

Q. What is the market value of a property?
A. Market value in relation to any property which is the subject matter of the instrument means the price which such property would such property would have fetched if sold in open market on the date of execution of such instrument or document or the consideration stated ion the instrument whichever is higher. However, for payment of stamp duty, market value is the value as worked out as per ready reckoner or the consideration stated in the instrument whichever is higher. As per new amendment in the Income Tax act The Market Value for the purpose of Capital Gains Tax is the same as the Market Value for Stamp Duty payment, which is worked out as per ready reckoner. Hence it is advisable that the seller should record actual selling price worked out with the help of ready reckoner and avoid under valuation with the intention to save capital gain tax.

Q. What is the use fullness of Stamp Duty Ready Reckoner?
A. As explained earlier Stamp Duty is charged on the market value of the property purchased and not on the agreement value. Now the question arises as to how to arrive at the Market Value. The Stamp Duty Ready Reckoner, by Santosh Kumar and Sunit Gupta, contains precisely this information in easy to understand language. It contains market rate of property fixed by government for each zone in each locality / village / division. It further contains details about certain additions and allowable deductions to be made in valuation. It also contains valuation factor to help ascertaining the market value. In all it contains everything including all guideline, rule, table, rate and map that is required while arriving at the market value on which the stamp duty is charged. Further all these rule, tables, guidelines and rates are adopted as per guidelines approved by the Town Planning and Valuation Authority, Government of Maharashtra and which is used by Stamp Duty and Registration department to ascertain Market value of the property under consideration. This book is available in market for Rs. 250/- only.

Q. Where can a person pay stamp duty?
A. Stamp duty could be paid legally without adjudication, on the basis of the Ready Reckoner, at the following offices. An amount up to Rs. 25,000 is accepted in cash and an amount above that is to be paid by bank draft or pay order drawn in favour of the "Superintendent of Stamps, Mumbai" payable at Mumbai. An amount above Rs. 25,000 can also be paid in cash at Reserve Bank Of India, through an duty authorised challan. A duly authorised challan can be obtained from General Stamp Office at Fort.

General Stamp Office, Town Hall Building, Gorund Floor, Near Horniman Circle, Fort, Mumbai - 400 001. Office of The Sub Registrar and Administrative officer, Old Custom House, Ground Floor, Near Horniman Circle, Fort, Mumbai - 400 0023.

General Stamp Office, Extended Sales Counter MMRDA Building, 1st Floor, Near Sales Tax Office, Bandra Kurla Complex, Bandra East Mumbai - 400 051.
Office of the Sub Registrar, New Administrative building, Near Ration Office, Ramkrishna Chemburker Marg, Chembur, Mumbai 400 071.

Also there are various authorised stamp vendors from whom stamp paper of the required amount can be purchased and agreement made on them, which is another way of paying stamp duty. Stamp vendors sell stamp papers of face value up to Rs. 10,000 and one can purchase as many stamp papers as one wants from them. However take proper precaution before buying high value stamp papers from stamp vendors in view of recent Fake Stamp Paper Scam.

Q. What are the office hours of stamp offices?
A. Stamp offices work from Monday to Saturday, except the second and fourth Saturday and public holidays, between 10 a.m. to 4.30 p.m.
House Hunting Tips
Once you know how much money you can borrow/spend, you will know the price range you can afford. You might already have your "dream home" in mind. Perhaps you want to settle down in a particular neighborhood, or maybe you just need more space for your growing family. Even if you know exactly what you're looking for, the house hunting process can be overwhelming. It takes time.

Here are some good house hunting tips:-
Take pictures inside and outside the home.
Bring a spouse, family member, or friend.
Make sure the house fits into your budget.
Think of commuting time and costs.
Compare what you'd like to have against what you really need.
Consider your monthly budget - can you afford the renovations and maintenance that you'll need to do?
Avoid making a "spur-of-the-moment" decision.

What else can you do to make the house hunting process easier?
List your needs :-
Know the difference between your wants and your needs and keep track of the homes you see that come closest to meeting your needs. Before you start house hunting, decide on what you really need. Then list the features that would be nice to have. Once you have a clear idea of what you need as well as what you would like in a house, finding that house will be much easier.
Be realistic. Looking for a home takes time, so focus on what's important to you. After looking at lots of homes, the line between "I need a garage" and "I want a garage" can get very blurry.
Many people focus more on what they'd like to have instead of focusing on what they actually need - that can mean they pass up a home that meets their needs in hopes of finding one that meets their wants.
Ultimately, you should be able to find a home that is a blend of your needs and wants.
To help keep your priorities in order, make a wish list and a must-have list, and take them with you whenever you look at a house.

Here are a list of questions you should ask yourself :-
What are you looking for in a home?
Must it be a bungalow, a condominium, an apartment or a penthouse? The actual area and size will depend on the size of your family as well as your own personal requirements. Think long term. Maybe you and your spouse require just a one-bedroom apartment at this point in time but plan to have two children later. In that case, a two-bedroom or even a three-bedroom is a better option.

Why do you need one?
Are you purchasing it to reside in it? Or do you view property as an investment and you are looking at capital appreciation?
Have you taken other factors into account?
If it is an apartment, you will have to check out the building too. Is parking available? Is it open or covered? Is there any security provided by the society? Is security provided round the clock? Do you know anything about your neighbours? Is the building well maintained? Does it have a garden? Are you on the lookout for a housing complex that also has a pool and a gymnasium?

Concentrate on a few neighborhoods :-
Decide what's most important to you about the neighborhood you want. This can greatly narrow down your search.
When you can tell the difference between your housing wants and needs, you'll probably have an easier time deciding what you want and need from a neighborhood. Where you live is as important as the house you live in.
You may already have a good idea about the neighborhood you would like to live in. Don't let that keep you from looking at other neighborhoods with similar qualities. You might not be giving another area a chance - and you might be passing up your dream house.
Ask yourself these questions about neighborhoods

Personal Questions :-
How long will it take to get to work? What will it cost?
How far will you be from family members?
How far will you be from religious activities, night school, or other regular activities?
Are there any society restrictions?
Can you afford the taxes?

Neighborhood-Specific Questions :-
What are the schools, hospitals, and other public services like?
How close are they?
Is it an older, established neighborhood or a younger, still growing community?
Are there signs of new construction in the area?
What will this neighborhood look like in 10 years?
What are the values of other homes in the neighborhood?
If there are nearby restaurants and other businesses, do they bring people out during the day, or at night?
What's the traffic like during the week? In the evenings? On weekends?
Is the empty space behind the complex going to be developed?
Are there plans for a mega-mall or sports facility nearby?
Are there mass-transit options within walking distance?
If you like a neighborhood, talk to people who live there. They'll be the most knowledgeable about the area and may be your future neighbors.

Where should you look for additional neighborhood and community information?
Local newspapers and radio stations.
Local school districts, school boards and websites for school information
Neighborhood associations
Real estate professionals
Local organizations
Local businesses
The Internet

Compare homes:-
Make sure you know what you would get and what you would miss in each house before you make a decision.

9594111161 / 9967111161
Flat No. 2, Ground Floor, Ganesh Sai Bldg No. 4, Janta Society, Pant Nagar, Ghatkopar East, Mumbai 400 077

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