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periwinkle8ball · 12 days

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Mercury

The one who communicates, it is the Messenger.

Mercury is the smallest planet, closest to the Sun astronomically. Limited in how far it strays, it never moves further than 28 degrees from the Sun. It is considered to be the fastest planet, discounting the Moon’s speedy cycle. Of all the planets, Mercury is seen to have a dual nature, being neither purely feminine or purely masculine. It’s neither benefic or malefic, earning it the reputation of being ambiguous and impressionable. Through its travel through the zodiac, it will retrograde about 3 times a year.

Mercury is one of the two planets associated with the element of Earth, actually considered to be “slightly cold and dry” by astrologers Helena Avelar and Luis Ribeiro. As a result, Mercury would be assumed to be enduring, analytical, and thoughtful.

Mercury rules over the air sign Gemini, both ruling and exalting in the earth sign Virgo. In contrast, Mercury finds Jupiter’s signs of Sagittarius (detriment) and Pisces (detriment and fall) challenging.

Mercury joys in the 1st House, giving that house meaning in the Hellenistic tradition. Keep that in mind when considering Mercury and the 1st House's significations.

forethought and intelligence, strategic actions, practical wisdoms, knowledge, reason, education, writing, speech, messages, connection through language and communication, trust, friendship, fellowship, brothers, younger sons, children and nurslings, youth, play, contest, sports and athletics, numbers, calculations, weights and measures, coins, banking, business and marketing, mercantile activity, commerce, give and take, exchange, trade, brokerage, industrious people, travel, assistance, service and public services, community, teachers, mathematicians, doctors, lawyers, secretaries, printers, scribes, orators, poets, philosophers, architects, temple builders, modelers, sculptors, braiders and weavers, tailors, musicians, augers and diviners, prophets, dream interpreters, astrologers, those who are meticulous, versatility, mental disturbances such as madness, ecstasy, and melancholy, trickery, slight of hand, thievery, deception, rumors, lies. Of the body, the hands, shoulders, fingers, joints, the belly, the ears (hearing), the windpipe, intestines, the tongue.

Traditional 1st House Significations, Mercury’s House of Joy

the beginning of all actions, the overall life of the native, the body and one's appearance, one's physical constitution, one's vital life force, one's character and demenor, the mind and the matters it is concerned with, spirit, and speech.

#astrology #astrology blog #astrology tumblr #astrology community #astroblr #traditional astrology #hellenistic astrology #natal astrology #astrology notes #astrology basics #zodiacal foundation

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layninboritas · 3 months

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SOURCE PROTOCOL

SOURCE is building limitless enterprise applications on a secure and sustainable global network. Defi white-labelled services, NFT markets, RWA tokenization, play-to-earn gaming, Internet of Things, data management and more. SOURCE is providing blockchain solutions to the real world and leveraging the power of interoperability.

SOURCE competitive advantages over other blockchain projects

For builders & developers — Source Chain’s extremely high speeds (2500–10000+ tx / per second), low cost / gas fees ($0.01 average per tx), and scalability (developers can deploy apps in multiple coding languages using CosmWasm smart contract framework), set it apart as a blockchain built to handle mass adopted applications and tools. Not to mention, it’s interoperable with the entire Cosmos ecosystem.

For users — Source Protocol’s DeFi suite is Solvent and Sustainable (Automated liquidity mechanisms create a continuously self-funded, solvent and liquid network), Reduces Complexity (we’re making Web 3.0 easy to use with tools like Source Token which automate DeFi market rewards), and we’ve implemented Enhanced Security and Governance systems (like Guardian Nodes), which help us track malicious attacks and proposals to create a safer user environment.

For Enterprises — Source Protocol is one of the first to introduce DeFi-as-a-Service (DaaS) in order for existing online banking and fintech solutions to adopt blockchain technology with ease, and source also provides Enterprise Programs which are complete with a partner network of OTC brokerages, crypto exchanges, and neobanks that create a seamless corporate DeFi experience (fiat onboarding, offboarding, and mutli-sig managed wallets)

Why Source Protocol

Firstly, many protocols are reliant on centralized exchanges for liquidity, limiting their ability to scale independently. This creates a lot of the same issues traditional finance has been plagued with for decades.

Next — slow tx speeds, high costs, limited scalability, and inability to collaborate with other chains, has created severe limitations in Gen 2 blockchain infrastructure.

Lastly, there still exists a level of complexity in blockchain applications that remains a barrier to entry for the average user, and there is not enough focus on building “bridges” for the enterprise to adopt this technology easily and quickly.

In summary, consumers are eager for a blockchain ecosystem that can securely and sustainably support mass adopted applications. That’s why we’ve built Source!

Source Protocol’s ecosystem

Source Protocol’s ecosystem includes a full DeFi Suite, a members rewards program and white-label integration capabilities with existing online Web 2.0 enterprises:

Source Swap — An Interchain DEX & AMM built on Source Chain for permission-less listing of $SOURCE-based tokens, native Cosmos SDK assets, cw-20’s, and wrapped Binance Smart Chain (BEP-20) assets.

Source One Market — A peer to peer, non-custodial DeFi marketplace for borrowing, lending, staking, and more. Built on Binance Smart Chain with bridging to Source Chain & native Cosmos SDK assets.

Source Token $SRCX (BEP-20) — the first automated liquidity acquisition and DeFi market participation token built on Binance Smart Chain.

Source One Token $SRC1 (BEP-20) — a governance and incentivized earnings token that powers Source One Market.

Source USX $USX (BEP-20) — Source One Market stablecoin backed and over collateralized by a hierarchy of blue chip crypto assets and stablecoins.

Source Launch Pad — Empowering projects to seamlessly distribute tokens and raise liquidity. ERC-20 and BEP-20 capable.

Source One Card & Members Rewards Program — users can earn from a robust suite of perks and rewards. In the future, Source One Card will enable users to swipe with their crypto assets online and at retail locations in real time.

DeFi-as-a-Service (DaaS) — Seamless white-label integration of Source One Market, Source Swap, Source Launch Pad, and/or Source One Card with existing online banking and financial applications, allowing businesses to bring their customers DeFi capabilities.

Source Protocol Key Components

Sustainable Growth model built for enterprise involvement and mass application adoption

Guardian Validator Nodes for enhanced network security

Integration with Source Protocol’s Binance Smart Chain Ecosystem and Decentralized Money Market, Source One Market

Source-Drop (Fair community airdrop and asset distribution for ATOM stakers and SRCX holders)

Interoperable smart contracts (IBC)

High speed transaction finality

Affordable gas fees (average of $0.01 per transaction)

Highly scalable infrastructure

Open-source

Permission-less Modular Wasm + (EVM)

Secured on-chain governance

Ease of use for developers

conclusion

SOURCE is a comprehensive blockchain technology suite for individuals, enterprises and developers to easily use, integrate and build web3.0 applications. It is a broad-spectrum technology ecosystem that transforms centralized web tools and financial instruments into decentralized ones. Powering the future of web3,

Next — slow tx speeds, high costs, limited scalability, and inability to collaborate with other chains, has created severe limitations in Gen 2 blockchain infrastructure.

Lastly, there still exists a level of complexity in blockchain applications that remains a barrier to entry for the average user, and there is not enough focus on building “bridges” for the enterprise to adopt this technology easily and quickly.

In summary, consumers are eager for a blockchain ecosystem that can securely and sustainably support mass adopted applications. That’s why we’ve built Source!

For More Information about Source Protocol

Website: https://www.sourceprotocol.io

Documents: https://docs.sourceprotocol.io

Twitter: https://www.twitter.com/sourceprotocol_

Instagram: https://www.instagram.com/sourceprotocol

Telegram: https://t.me/sourceprotocol

Discord: https://discord.gg/zj8xxUCeZQ

Author

Forum Username: Java22

Forum Profile Link: https://bitcointalk.org/index.php?action=profile;u=3443255

SOURCE Wallet Address: source1svnzfy5fafuskeaxmf2sgvgcn6k3sggmssl8d7

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hakesbros · 2 years

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Native Real Estate: Homes For Sale San Antonio, Tx

Military families will find Meridian only a short eleven minute drive from Lackland Air drive Base. If you are in search of a reasonable home builders in san antonio home close to San Antonio's military bases, look no additional than Starlight Homes. Contact us right now for a tour and start investing in your future.

Real estate listings held by brokerage firms aside from , are indicated by detailed information about them such because the name of the itemizing firms. The report says that the share of listings with a value reduce signifies heavier demand for lower-priced homes across the market. As of June, U.S. home gross sales are down 24.1% yr over 12 months. Redfin, another online listing service, says that competition homes for sale san antonio tx can also be beginning to cool. Only 44.3% of actual estate agents noticed competitors on homebuying bids in the us Arcadia Ridge is a pleasant residential area in San Antonio less than 30 minutes from the downtown area offering a choice of beautiful homes, an excellent location near loads of amenities, and terrific amenities.

Some communities might have further fees and/or Homeowner's Association dues. Speak with a Highland Homes sales counselor for complete particulars. Meridian provides move-in ready homes with the fashion you deserve. From chrome steel home equipment, granite countertops and updated cabinets, you will recognize the details. All of our homes for sale near San Antonio, TX, provide you with easy access to the city. You will only be minutes from SeaWorld San Antonio, Alamo Ranch Shopping Center and the energetic Downtown area.

We have 1,551 luxurious homes for sale in San Antonio, and 50,368 homes in all of Texas. Homes listings embody trip homes, residences, penthouses, luxurious retreats, lake homes, ski chalets, villas, and tons of more way of life options. Each sale itemizing includes detailed descriptions, pictures, amenities and neighborhood information for San Antonio. This stunning four beds 3.00 baths house is positioned at 2118 York Bend San Antonio, TX and listed at $300,000 with 2116 sqft of residing house. The following floorplans are curated particularly for this community and expertly-designed for maximum livability. We contemplate visitors flows, light patterns, room placement, space for storing and extra to build homes that improve the lives of our householders.

The Texas Association of Realtors and its cooperating MLSs do not create, management or evaluate the property information displayed herein and take no accountability for the content of such information. Federal regulation prohibits discrimination on the premise of race, shade, faith, intercourse, handicap, familial status homes for sale san antonio or national origin in the sale, rental or financing of housing. BEX Realty is an equal housing alternative actual property dealer and along with its individual brokers, Realtors® and real property agents, makes a speciality of luxurious waterfront and golf and nation club property in Texas.

LoopNet is essentially the most trafficked industrial real estate market on-line and has roughly 800 new listings added every day. Check again typically to be amongst the first to discover new funding alternatives as they hit the market. View hi-res photos, 3D tours, ground plans, and researched content solely out there right here. Top San Antonio industrial real estate brokers and constructing house owners use LoopNet to advertise San Antonio Commercial Real Estate to over 10 million distinctive searchers visiting us each month.

Children in Royal Oak attend faculties in Comal Independent School District. Visit our News & Advice part to study more about shopping for and leasing business real property, from calculating the appropriate quantity of house to the terms you have to understand. Public Works Real Estate constructed and maintains a property platform that shows new homes san antonio all City-owned property. This database exhibits totally different asset varieties, including potential surplus properties, together with the recognized City Department that manages or uses the property. How much competition is there to buy a house in San Antonio, TX?

Please contact us should you cannot correctly experience this web site. This information just isn't verified for authenticity or accuracy and is not guaranteed and will not mirror all activity out there. If you are seeking to purchase a home in San Antonio, TX, you have come to the best place. Coldwell Banker keeps you updated with the newest San Antonio MLS itemizing new home builders san antonio - including new homes for sale, townhomes for sale, condos for sale, foreclosed homes for sale, and land for sale. With Coldwell Banker's mobile app and web site, you'll find a way to customize your San Antonio home search to help find the best place for you, from the situation you like to the number of bedrooms and bathrooms. Try trying out our interactive maps, photos, and faculty data.

At Chesmar, we build new homes in master-planned communities all through Texas and understand that the process of purchasing a new residence can sometimes be a confusing one. In the last 30 days, homes for sale in San Antonio, TX offered for a median value of $289,734, up 3.3% compared to the same interval last 12 months. The median value per square foot was $161.forty seven, up three.1% year-over-year. There have been 1,147 homes offered, down from 1,661 last 12 months.

#real estate

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nexthomeresidential · 12 days

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8 best website builders for real estate agents, brokers and brokerages https://www.housingwire.com/articles/best-website-builders-real-estate/

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michaelleafer · 14 days

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2024 Q4 Housing Market Predictions

What to Expect From the Housing Market in 2024 Q4

Whether you're flipping homes or expanding your real estate portfolio, the best time to expand your investment home portfolio is when the markets are properly aligned. As a buyer, you're likely looking for good mortgage rates and temporary dips in home prices so you can buy low, then sell high. So what does the housing market look like right now, and what can you expect from 2024 Q4 housing market trends?

This overview will provide a useful look into rates, trends, demand, and seasonal patterns to guide your investment decisions.

Home Prices Continue to Rise

As could be expected, housing prices continue to rise. Dips are more unusual than the steady march of increased property value.The gain rate in May was 5.9% from 6.4% in April, which indicates the price increase is slowing, but has not decreased.

Median home prices reached a reached a record high of $426,900 in June 2024, also marking 12 straight months of price increases.

It is also expected that if mortgage rates drop to a desirable level, buying will pick up, and home prices are likely to see another jump.

New Home Prices are Set Low

Interestingly, you may see reports that the median home price is dropping. This is because housing developers see which way the wind is blowing. They are offering homes at lower prices with buyer incentives, counterbalancing the steady continued rise of resale housing prices.

Forbes reports that 31% of builders reduced prices in June along with incentives to further lower new home costs. This means new homes in new neighborhoods are becoming consistently more affordable than resales in established neighborhoods.

Mortgage Rates Slowly Cool Down

Mortgage rates have been slowly dropping since the 8% peak in October 2023. The average 30-year fixed mortgage rate dipped below 7% in June and has been trending toward 6.7% as of early August 2024.

The rate of sales has decreased in all four major real estate regions in the US (Northeast, Midwest, South, West) compared to 1 year ago.

The continued drop in mortgage rates will make buying more financially desirable, which may cause market acceleration. Buyers and sellers who have been putting off home purchasing due to the high mortgage rate are more likely to rejoin the market if rates continue to drop.

The Commission Changeover

In case you haven't heard the news, the standard 6% real estate agent comission rule has been overturned. Now, agents can charge any commission they choose, buyers will be responsible for their own agent fees, and different agents or brokerage firms will develop their own unique billing policies. Be prepared to navigate this changing landscape if you hire a real estate agent going forward.

Demand for Homes Exceeds Supply

Housing inventory continues to fall short of demand. THere are consistently more buyers than sellers, and even rapid new developments have not yet balanced the scales. This matter has been exacerbated by high mortgage rates, causing homeowners to delay selling properties that currently have a better mortgage rate than they could secure today.

2024 Q4 Housing Market Trends for Home Flippers

What do these trends mean from the perspective of the home-flipping investment strategy?

The dropping mortgage rates will allow you to spend less on interest while flipping each house.

The low housing market supply is good news for those bringing "below the bar" homes back to the market. With an overwhelming demand for homes to buy, especially in the more affordable price ranges, flipping shabby houses back into starter and family homes, you are sure to have a waiting audience of eager buyers.

The trend for newly built homes is worth considering, but likely does not pose serious competition for restored houses in established neighborhoods.

The new real estate commission rules should be considered. Be sure to hammer out the details with your agent before you sign with them, if you use a real estate agent for your house hunting. If you hunt using other means, this may not be a concern.

Planning Your Housing Market Strategy

Investment properties and house flipping rely on good market conditions or unique favorable opportunities. If you plan to turn your investments into rental properties, Leaf Mortgage can help you build a profitable strategy in selecting, flipping, and then efficiently managing your growing portfolio. Contact us today to learn more.

#real estate #propertyinvestment #propertymanagement

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swbrokerage · 16 days

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Simplifying the Construction Loan Process

When it comes to building your dream home, navigating the construction loan process can be daunting. But with SW Brokerage, a Trusted Mortgage Broker in Milton, you can confidently embark on your construction journey. We ensure a smooth and efficient experience, guiding you through each step with expertise and care. Here's a comprehensive guide to help you understand the construction loan process and how we at SW Brokerage make it seamless.

Understanding Construction Loans

The first step in your construction loan journey is to sit down with us at SW Brokerage. We’ll walk you through the entire process, ensuring you fully understand how construction loans work. Our goal is to help you determine what you can borrow, what your repayments will look like, and which lender and product best suit your needs. Importantly, we focus on your cash flow, making sure your financial situation is optimal for the loan you choose.

Once you’re educated on the process, you’re ready to begin the exciting journey of building your new home. Here’s what you can expect as you move forward.

Step 1: Selecting a Builder

The first tangible step in your construction loan journey is selecting a builder. After choosing your new home design, your builder will prepare the necessary contract. This is where our partnership truly begins. We work closely with both you and your builder to ensure that all required documentation and permits are in place, making the construction process as seamless as possible.

If you’re still looking for a builder, we can help. We are aligned with Bold Living, a reputable builder, and can connect you with them to make the process even smoother.

Step 2: Supplying Documentation to Your Broker

Once you’ve signed the builder’s contract, the next step is to provide us with your conveyancer’s and builder’s contact details. This allows us to gather all necessary documents, including contracts, build specifications, and any quotes that need to be included in your loan application.

Step 3: Handling Variations to the Build Contract

During the construction process, you might want to make changes or upgrades to your original plan. It’s important to inform us of any variations to your construction contract, as these changes can impact the property’s valuation, loan approval, and the amount of funds required. Keep in mind that any variations not included in the loan approval will likely need to be covered out of pocket.

Step 4: Lodging Your Loan Application

Once all documents are in order, we will gather your lending documents and lodge your loan application. At SW Brokerage, we take pride in ensuring that every detail is meticulously handled to give your application the best chance of success. If you are a first-time homebuyer, we will also check if you are eligible for the First Home Owners Grant and guide you through that application process as well.

Step 5: Settlement and Initial Payment

If your loan includes the purchase of land, the funds will be released to settle the land purchase. Before the lender releases funds, you’ll need to cover any shortfall, which ensures that the funds are processed smoothly. We also coordinate with your builder to obtain the necessary permit pack for the lender before construction begins. This step is crucial in ensuring that your project stays on track.

Step 6: Managing Progress Payments

As construction begins, your builder will send you invoices for various stages of the build, known as progress payments. It’s essential to forward these invoices to your settlements coordinator immediately to arrange payment. Different lenders have different requirements for progress payments. Some may require specific forms, while others may accept the builder’s invoice directly.

Inspections or valuations are often required at the base and final stages, and sometimes at other stages depending on the overall cost of the build. This is where our expertise as a mortgage broker in Milton comes into play – we coordinate with all parties to ensure that payments are made efficiently and that inspections are conducted in a timely manner.

Step 7: Preparing for Final Progress Payment

As construction nears completion, it’s time to prepare for the final payment. Allow time for the lender to organize a final valuation. You’ll need to provide a copy of the Certificate of Occupancy and Building Insurance. We’ll work with you and your builder to ensure everything is in place for the final handover. At this stage, you’re just a few steps away from moving into your new home.

Step 8: Moving In

Once all the final paperwork is complete and the builder hands over the keys, it’s time to move in! The joy of seeing your dream home come to life is unmatched, and we’re thrilled to have been a part of your journey.

Ongoing Support for Future Projects

At SW Brokerage, our relationship doesn’t end once you’ve moved in. We stay in touch throughout the life of your loan and are ready to assist you with your next project, whether it’s refinancing or securing another construction loan. Our ongoing support ensures that you’re never alone in the process, and we’re always here to help you achieve your financial goals.

Why Choose SW Brokerage?

By following these steps and partnering with SW Brokerage, you can be confident that your construction loan process will be smooth and stress-free. Our team of experts is dedicated to supporting you every step of the way, making your dream project a reality. We also have strong connections in the industry, like our partnership with Bold Living, to ensure you have the best resources available.

So why not contact SW Brokerage today to see if a construction loan works for you? With us in your corner, you’ll be well-guided and looked after each step of the way. Start your journey with confidence, knowing you have a dedicated team supporting you from start to finish.

#mortgage broker

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pcolossal · 18 days

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Book Your Dream Home @Ravet

Book Your dream home at Ravet with Property colossal for hassle free process with No brokerage.

Ravet's real estate market has seen significant growth in recent years, with several reputed builders launching residential projects in the area. Offering a wide range of housing options, from affordable apartments to luxurious villas, Ravet caters to the needs of every home buyer.

Searching for a right property in Pune visit www.propertycolossal.com

#flats in pune #2bhkflat #3bhkflat #apartment #locality inside #property for sale

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ispravahomes · 2 months

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A Simple Reference for Understanding REAL ESTATE Terminology

Comprehensive List of Real Estate Terminology and Jargon Used in India

A

Agreement to Sale: A legal document outlining the terms and conditions agreed upon by the buyer and seller for the sale of property.

Allotment Letter: A letter issued by the builder to the buyer confirming the allotment of the property.

Amenities: Features provided by a property such as a swimming pool, gym, park, etc.

B

Built-up Area: The total area of the property including the carpet area, walls, and balcony.

Brokerage: The fee paid to a real estate broker or agent for their services in facilitating the sale or purchase of a property.

Balance Transfer: Shifting an existing home loan from one lender to another for better interest rates or other benefits.

C

Carpet Area: The actual usable area within the walls of a property where a carpet can be laid.

Common Area: Areas shared by all residents of a building, such as lobbies, corridors, and amenities.

Circle Rate: The minimum rate at which a property can be registered as per the government, used to calculate stamp duty and registration charges.

Completion Certificate: A certificate issued by the municipal authorities indicating that the construction of the property is in compliance with the approved plan.

D

Deed: A legal document that conveys ownership of property from one party to another.

Down Payment: An upfront payment made by the buyer to the seller at the time of purchasing a property.

E

Encumbrance Certificate: A certificate that provides details about any legal or monetary liabilities on the property.

EMI (Equated Monthly Installment): The fixed monthly payment made by the borrower to repay a loan over a specified period.

EWS (Economically Weaker Section): A category of housing for individuals whose annual household income is below a certain threshold.

F

Freehold Property: Property that is owned outright without any lease, giving the owner full control over the property.

FSI (Floor Space Index): The ratio of the total floor area of a building to the size of the plot of land on which it is built.

G

Gated Community: A residential area with restricted access, often enclosed by walls or fences and featuring security measures.

Guidance Value: Another term for circle rate, used to determine the minimum value for property registration.

H

Handover: The process of transferring possession of a property from the developer to the buyer.

Home Loan: A loan taken by a borrower to purchase a residential property.

I

Interest Rate: The percentage charged by a lender on the borrowed amount of a home loan.

Inventory: The total number of unsold units in a particular real estate market.

J

Joint Ownership: When two or more individuals legally own a property together.

K

Khata: A legal document issued by the municipal corporation showing the ownership of property and its assessment for property tax purposes.

L

Leasehold Property: Property that is leased for a specified period, after which ownership reverts to the original owner.

Loan-to-Value (LTV) Ratio: The ratio of a loan amount to the appraised value of the property.

M

Market Value: The estimated amount for which a property should exchange on the date of valuation between a willing buyer and a willing seller.

Mortgage: A legal agreement where a bank or lender lends money at interest in exchange for taking title of the debtor's property, with the condition that the conveyance of title becomes void upon the payment of the debt.

N

NOC (No Objection Certificate): A document from various authorities stating that they have no objection to the details mentioned in the document.

O

Occupancy Certificate: A certificate issued by the local municipal authority indicating that the building is ready for occupation and complies with the necessary building standards and codes.

P

Possession Date: The date on which the buyer is given legal possession of the property.

Property Tax: A tax levied by the local government on the value of a property.

Q

Quitclaim Deed: A legal instrument by which the owner of a property transfers any interest they have in the property to another party.

R

Ready-to-Move: Properties that are complete and ready for occupancy.

RERA (Real Estate Regulatory Authority): An authority established to regulate and promote the real estate sector and to ensure transparency in real estate transactions.

S

Sale Deed: A legal document proving the sale and transfer of ownership of property from the seller to the buyer.

Stamp Duty: A tax paid on the legal recognition of certain documents, including property transactions.

Subvention Scheme: A scheme where the buyer does not have to pay EMIs until possession, with the developer paying the interest during the construction period.

T

Title Deed: A legal document that evidences the ownership of property.

Tenancy: The possession of land or property as a tenant.

U

Under Construction: Properties that are currently being built and not yet completed.

V

Valuation: The process of determining the current worth of a property.

Villa: A type of residential property, typically larger and more luxurious than standard homes, often with a private garden.

W

Warranty Deed: A deed in which the seller guarantees that they hold clear title to a piece of real estate and has a right to sell it.

X

Xerox: Commonly used term in India for photocopy, often required for documentation purposes in real estate transactions.

Y

Yield: The income return on an investment, such as the interest or dividends received from holding a particular property.

Z

Zoning: Regulations that define how property in specific geographic zones can be used.

This comprehensive list covers a wide range of terms and jargon used in the Indian real estate market, providing a valuable resource for anyone involved in buying, selling, or investing in property.

Visit Isprava to know more about luxury villas for sale in Goa, Alibaug and Coonoor locations.

#ispravahomes #ispravablog #luxuryvillas

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jay-299 · 3 months

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In the Event of a Job Loss, can Buyers Get a Return of Their Booking Amount from the Real Estate Developer?

After deducting 2% of the total booking cost, the developer of the Godrej Meadows project in Pune has been asked by the Maharashtra Real Estate Regulatory Authority (MahaRERA) to partly refund the booking amount paid by two homebuyers.

The homebuyers had requested a return from the builder after cancelling their booking, claiming financial difficulties brought on by a job loss.

In their complaint to MahaRERA, the homebuyers, Shardul and Harshal Kulkarni, claimed that they had paid Rs 3.22 lakh as of December 2021 for the flat.

The buyers notified MahaRERA that the developer's sales and marketing staff had advised them on the day of booking that if the booking was cancelled prior to the execution of the sale agreement, all of the money would be returned in full and without deduction.

As of December 17, 2021, buyers paid ₹3.22 lakh towards consideration out of a total of ₹73.17 lakh, or around 4.50% of the unit cost. But on January 4, 2022, the buyers notified the developer of their plan to cancel the booking because of financial difficulties (loss of employment) and asked for a refund of the whole sum.

The developer has not yet given the money back, according to the complaint. The buyers then went to MahaRERA to request a refund and interest.

The developer stated in a written statement to the MahaRERA that there was no agreement made about refunds in the event that the unit was cancelled before the sale deed was executed.

According to the developer, the buyers had neglected to pay the 5% payment required to book the flat. Developers are allowed to forfeit 20% of the entire consideration value of the flat, as stated in paragraph 9 read in conjunction with clause 3 of the booking application form. The developer further asserted that such forfeiture is allowed by citing a number of case laws. It has pleaded for the homebuyers' complaint to be dismissed.

In an order dated May 28, 2024, the MahaRERA declared that the developer's forfeiture of roughly 5% of the flat's total consideration is illegal under the terms of the RERA. The developer has not submitted a copy of the booking application form to MahaRERA, although claiming that it forfeited the money paid by the complainants in accordance with the terms and conditions of the form.

The MahaRERA denied the homebuyers' requested claim of interest, stating that it was without merit. It did, however, order the developer to return the booking money less 2% of the consideration value in total.

The MahaRERA stated in its order that the respondent (developer) has 45 days from the date of this order to return the money that the complainants (homebuyers) paid towards the consideration of the said flat, without interest, after deducting 2% of the total consideration (value) of the said flat (excluding the statutory dues paid to the government/brokerage, if any).

A spokesperson for Godrej Properties Limited stated that, despite the Authority's conclusion in the contested Order that the complainant had not demonstrated that the developer had violated Section 18 of the RERA Act, the Authority ordered us to return the money to the complainant following the forfeiture of 2% of the sale consideration.

The developer stated, "We are confident on the merits of the matter and have already filed an appeal in the Appellate Authority challenging the impugned Order."

In August 2022, MahaRERA issued an order allowing real estate developers to deduct up to 2% of the entire booking amount in the event that the booking is cancelled.

According to the order, the developer is required to completely refund the booking money and cannot withhold payment from the buyer within 15 days of the cancellation. The developer may deduct 1% of the unit's total cost during 16 to 30 days, 1.5% between 31 and 60 days, and up to 2% of the unit's total cost after 61 days.

Thus, regardless of losing their work, homebuyers may only request a refund after taking all of the above into account, according to legal experts. Lawyers claim that the August 2022 MahaRERA ruling entitles homebuyers to a get a refund of the booking amount plus interest.

According to advocate Sunil M. Kewalramani, a Mumbai-based real estate lawyer, the decision approved by MahaRERA is in line with the order given by the authority in August 2022, which permits developers to forfeit up to 2% of the specified unit's cost in case of booking cancellation.

According to a provision in the August 2022 MahaRERA judgement, I believe that the homebuyer in this instance is also entitled to interest on the money that has been delayed in being refunded. This is due to the developer's failure to repay the money within 45 days of the flat booking being cancelled added Kewalramani.

#builders #construction #construction management #consultant #development #construction software #developers #erp #erp software #management #stallion buildtech #software #crm software

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hakesbros · 2 years

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Home Bureau Of Land Administration

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losperta · 3 months

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