Vastu Shastra For House...

About Vastu Shastra : The Divine Architecture of the House

Vastu is the branch of occult science that deals with various various directions of house that captures five elements of nature that acts as a balancing factor between man and material. There are lot of ancient principles that govern the quality of land and house in which we live. They can have profound impact on our life. If the design of the house is spiritually correct it can maximize the positive energy and minimize the negative energy making our life healthier, more prosperous and contended.

Positive vibrations can be harbinger of good omen and negative vibrations; on the other hand can create disturbances. There is a purpose in the right directional architecture and position. These five elements provides necessary environment and our life absorbs the energy churned out by these five elements.

The building with right orientation improves quality of life and there should not be any doubt about it. Buildings with wrong orientation bring tragic turns in life and decay faster. Vastu is essential while buying a plot and it helps you to study shape of land and nature of soil, how to deal with interiors and it is so deep that it even teaches you the right color combination for your home.

Vastu Effects as per Positions

North - Peace and prosperity

East - Harbinger of wealth

South - tragedy

West - Sex and abdominal troubles

North West - Enmity

South West - Problems in relationship with son.

South East - Brings death in the family

Center of the House - Suffer from heavy monetary lose

Principles of Vastu Shastra

According to Hindu mythology our surroundings is made of five basic elements, Earth, Water, Air, Fire and Space. It is the different cosmic energy fields from which we derive benefits in the life. Energy received from Northeast direction.

As known in the material science north-east is considered as a positive pole and the south-west is a negative pole. This is precisely why our houses should have wider openings while the southwest should have smaller openings.

Vastu Tips for Buying Plots

The triangular, L-shaped and diamond shape, humped shape plots should be avoided while purchasing. Portions of the land on the north-west side are not good. If you are planning to buy a plot near some public place such as temple, hospital or factory, a distance of at least 80 feet should be considered. However, there are certain false things have been propagated related to land or plot that buying a plot or land from leprosy affected man should be avoided. This is wrong notion and nothing else. Vastu principles state that square plots are ideal for house construction. One should not start construction if a female member of your household is more than seven months pregnant. This brings bad luck.

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Vastu for House

Main doors and windows: They should be located in the east. This allows the positive energy to flow into the room.

Living room: Construction on the west side or south side of your front room should be avoided.

Bedroom: West or north-west direction for males is suitable.

Bathroom: West and south is preferable direction.

Dining Room: Near kitchen and south-east, north-west, or north-east corner of the house is recommended.

This is not the comprehensive list of vastu principles but is very basic tenets which are rough guiding lights while dealing with construction of house or purchase of plot or gives you basis idea of vastu architecture.

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Document checklist for property purchase

Ashiyana Real Estate:

Document checklist for property purchase – what you need to know before buying a resale property


Document checklist for property purchase

Buying a property, is not only buying a dream home but also your investment for life. But it doesn’t take much for it to turn into a nightmare.

Ready to move in with all facilities, which wouldn’t want that?

I have always wanted to buy a property, which will be ready and easy to move in. Who would want to wait for at least two years before the builder got his dream home ready. In the meanwhile he would have to continue paying rent on his current flat and Pre Emi’s.

Plus there was always the chance of the developer over-promising and then not delivering. Typically, every new project has a swimming pool and a clubhouse built into the design at the launch stage, and gradually such things disappear when the time to deliver nears. An old flat does not have any of these risks. “What you see is what you get”.

However, just before the day of registration was getting close, I was having sleepless nights a week before I was supposed to register the property in my name while purchasing an apartment in Bangalore. How would I know if the property was at all in the name of the person to whom I was going to hand over the money. Once this doubt had set in, there were thousands of other whys, where’s and how’s.

Hire A Good Lawyer

So I got in touch with a lawyer and asked his opinion. He gave me a list of documents that I needed to furnish from the seller, he would be checking them and give me a written opinion that the documents are in order and hence a go ahead to buy the property.

Here is the list of documents required:

Absolute sale deed in present seller’s nameKhata certificate & extract from BBMPLatest tax paid receiptIf any loan outstanding on the property, latest statement from bankEncumbrance Certificate from date of purchase till dateAgreement of sale & construction executed by developer in favour of sellerLatest electricity bill & receipt for the said flatNOC from Apartment AssociationSanctioned building planPossession/occupancy certificate from builderAll title documents of land ownerJoint development agreement, GPA, & Sharing/supplementary Agreement, between land owner and builderWhether originals are available for inspection if no loan is taken?A Copy of all registered previous agreements (in case of re-sale property)RTC (Records of Rights and Tenancy Corps) or 7/12 extractConversion Order issued by the concerned AuthorityRegistered development agreement (If in case of Joint Development Property)Power of attorney/s if anyPhotocopy of Society share certificate & Society registration certificate.

So what I was confirmed about after I got the property documents are:

The seller was the genuine owner of the propertyThe documents were genuine, hence no fraudulent deals

Few other things to ensure if you are buying a resale land are;

Ensure A Clear Title :

This is the most important aspect to be considered before buying a house. If you are buying a house on a leasehold land or land owned by government, you need to obtain a no- objection certificate from the authorities. To get such a certificate, you may have to pay prescribed fees, which will further inflate the consideration for the property.

The other most important thing is the entire history of agreements pertaining to that property. “The entire chain of agreements should be made available to the buyer

Always insist on the ‘chain of documents’— all the agreements effecting ‘buying and selling of property’ till date since it was constructed.

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Real estate developers expect rebound in first quarter of 2018-19

The real estate developers in the country are expecting the market to move up in the first quarter of the next financial year after the current issues like GST are resolved.

""We expect the real estate market to stabilise in the last quarter of this fiscal and grow in the beginning of next year,'' Getamber Anand, national chairman of Confederation of Real Estate Developers' Association of India (Credai) said.

He said there is a documented shortage of 15 million housing units in the seven metros and another 40 million units in the tier 2 to 4 towns . "The Pradhan Mantri Awaz Yojana which offers credit linked subsidy scheme will help boost the housing in the affordable segment. People should make use of it,'' he said.


In the last couple of years, the real estate rates have corrected 15 to 20% and hence costs have come down.

"Demonetisation, RERA, GST all have had an impact on the real estate sector. We are expecting rationalisation of GST rates housing,'' Anand, who was here for the Kerala state conference of Credai, said.

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He also appealed to the Kerala government to slash the stamp duty in the state from 10 % to 4 to 5 % that is followed in other parts of the country

About RERA Act

The Real Estate Regulation and Development (RERA) Act, 2016 is considered as one of the landmark legislations passed by the Government of India. Its objective is to reform the real estate sector in India, encouraging greater transparency, citizen centricity, accountability and financial discipline. This is in line with the vast and growing economy of India as in future many people will be investing in real estate sector.

Salient feature of the RERA Act, 2016:

Establishment of Real Estate Regulatory Authority

• Establishment of one or more Real Estate Regulatory Authority in each State/UT, or one Authority for two or more States/UTs, by the appropriate Government for oversight of real estate transactions;
• To appoint one or more adjudicating officers to settle disputes and impose interest and computation;

Registration of Real Estate Projects and Registration of Real Estate Agents

• Mandatory registration of real estate projects and real estate agents who intend to sell any plot, apartment or building, with the Real Estate Regulatory Authority;

Mandatory Public Disclosure of all project details:

• Mandatory public disclosure norms for all registered projects like details of the promoters, layout plan, plan of development works, land status, status of the statutory approvals, disclosure of proforma agreements, disclosure of names and addresses of real estate agents, contractors, architect, structural engineer etc.;

Functions and Duties of Promoter:

• Disclosure of all relevant information relating to the project;

Functions and Duties of Promoter:

• Disclosure of all relevant information relating to the project;
• Adherence to approved plans and project specifications as approved by competent authorities;
• Obligations regarding veracity of the advertisement or prospectus;
• Rectification of structural defects within two years of possession;
• Refund of money in cases of default;

Compulsory deposit of 70 percent

• To compulsorily deposit 70 percent (or such lesser percent as notified by the Appropriate Government) of the amounts realized for the real estate project from the allottees in a separate account in a scheduled bank within a period of 15 days to cover the cost of construction to be used for that purpose;

Functions of Real Estate Agents:,

• Real estate agents to sell properties registered with the Authority;
• Maintain books of accounts, records and documents;
• Not to involve in any unfair trade practices;

Rights and Duties of Allottees:

• Right to obtain stage-wise time schedule of project;
• Claim possession as per promoter declaration;
• Obtain refund with interest for default by the promoter;
• Allottees to make payments and fulfil responsibilities as per the agreement;

Functions of Real Estate Regulatory Authority

• The Authority to enforce the provisions of the Act;
• To act as the nodal agency to co-ordinate efforts regarding development of the real estate sector and to render necessary advice to the appropriate Government to ensure the growth and promotion of a transparent, efficient and competitive real estate sector;

Fast Track Dispute Settlement Mechanism:

• Fast track dispute resolution through adjudicating officers (Joint Secretary to State Government);

Establishment of Real Estate Appellate Tribunal:

• Real Estate Appellate Tribunal to hear appeals from the orders of the Authority and the adjudicating officer. The Appellate Tribunal is to be headed by a sitting or retired Judge of the High Court with one judicial and one administrative/technical member;

Punitive Provisions:

• Punitive provisions including de-registration of the project and penalties in case of contravention of the provisions of the Act or the orders of the Authority or the Tribunal;

Key Components of the RERA Act, 2016:

RERA for Promoters

Promoters will have to furnish the following information and documents for registration of a real estate project with the regulatory authority:

• Self-attested copy of the PAN card of the promoter;
• Annual report including audited profit and loss account, balance sheet, cash flow statement, director's report and the auditor's report of the promoter for the immediately preceding three financial years; and where annual report is not available, the audited profit and loss account, balance sheet, cash flow statement and the auditor report of the promoter for the immediately preceding three financial years;
• Number of parking slots available in the said real estate project;
• Authenticated copy of the of the legal title deed reflecting the title of the promoter to the land on which development of project is proposed along with legally valid documents for chain of the title;
• The details of encumbrances on the land for which permission given under section 109 of the Karnataka Land Reforms Act, 1961 if applicable, the Certified copy of the conversion order under section 95 of the Karnataka Land Revenue Act, 1964 and permission of change in land use granted under section 14 of the Karnataka Town and Country Planning Act, 1961, if applicable on which development is proposed including any rights, title, interest or name of any party in or over such land along with details;
• Where the promoter is not the owner of the land on which development is proposed, details of the consent of the owner of the land along with self-attested collaboration agreement, development agreement, joint development agreement or any other agreement, as the case may be, entered into between the promoter and such owner and copies of title and other documents reflecting the title of such owner on the land proposed to be developed;
• Name, photograph, contact details and address of the promoter if it is an individual and the name, photograph, contact details and address of the chairman, partners, directors, as the case may be, and the authorized person in case of other entities.

In accordance to the Rules, the Promoters of ongoing projects which have not received completion certificate shall, within the times specified, make an application to the Regulatory Authority in the form and manner as specified in rules.

Within a period of three months of the application for registration of the project with the Authority, the Promoters are to deposit in a separate bank account, 70% of the amounts already realized from the allottees, which have not been utilized for construction of the project or the land cost for the project. If the receivable of the ongoing project is less than the estimated cost of balance construction, then the promoter shall deposit 100% of the amounts to be realized in the separate account.

Here the Ongoing Projects means a project where development is going on and for which completion certificate has not been issued but exempts such projects which fulfil any of the following criteria on the date of notification of these rules, namely:

• In respect of layouts where the streets and civic amenities sites and other services have been handed over to the Local Authority and Planning Authority.
• In respect of apartments where common areas and facilities have been handed over to the registered Association consisting of majority of allottees; the provision facilitating is as per provision of the Karnataka Ownership Act, 1972.
• Where all development works have been completed as per the Act and certified by the competent agency and sales/lease deeds of 60% of the apartments/houses/plots have been registered and executed.
• Where all development works have been completed as per the Act and certified by the competent agency and application has been filed with the competent authority for issue of completion certificate /occupation certificate
• Where Partial occupancy certificate is obtained to the extent of the portion for which the partial Occupancy Certificate is obtained.
• Explanation for each of the above exemptions are provided in the RERA press note.

RERA for Real Estate Agents

Under this Act, the Real Estate Agent shall furnish the following information and documents for registration along with the required forms with the regulatory authority:

• Brief details of his enterprise including its name, registered address, type of enterprise, proprietorship, societies, co-operative society, partnership, companies etc.;
• Particulars of registration including the bye-laws, memorandum of association, articles of association etc. as the case may be;
• Name, address, contact details and photograph of the real estate agent if it is an individual and the photograph of the partners, directors etc. in case of other entities
• Self-attested copy of the PAN card;
• Self-attested copy of the address proof of the place of business.

RERA for Buyers

• The enforcement of these rules will ensure that the State's citizens can now get information and choose suitable apartments/houses/plots without having to worry about the project execution and with a recourse to complaints and suitable action against defaulting developers/agents.
• Buyers will have a real time view/update on the project status, litigations against any promoters etc.
• This Act now gives consumers within the state a platform to voice their grievances and lodge complaints against a promoter/agent.
• The advertisement or prospectus issued or published by the promoter shall mention prominently the website address of Karnataka RERA wherein all details of the registered project have been entered and include the registration number obtained from the Authority

Filing of Complaint

Any aggrieved person may file a complaint with the Regulatory Authority for any violation under the Act or the rules and regulations. Aggrieved Consumer would file the complaint to the Adjudicating Officer. He would have to provide a fee of INR 1,000 in form of DD. The consumers can file their complaint with Regulatory Authority or Adjudicating Officer.

Interim Authority

Section 20 (1) of the Real Estate (Regulation and Development) Act, 2016 (RERA Act) reads as below:

Provided also that until the establishment of a Regulatory Authority under this Section, the appropriate Government shall, by order, designate any Regulatory Authority or any Officer preferably the Secretary of the Department dealing with Housing, as the Regulatory Authority for the purpose under this Act.

Hence, Government of Karnataka appoints Principal Secretary to Government of Karnataka, Department of Housing as the Interim Authority.

Interim Appellate Tribunal

Section 43 (4) of the Real Estate (Regulation and Development) Act, 2016 reads as below:

Provided also that until the establishment of Appellate Tribunal under this Section, the appropriate Government shall, designate by order any Appellate Tribunal functioning under any law for the time being in force, to be the Appellate Tribunal to hear appeals under the Act.

Government of Karnataka appoints Karnataka Appellate Tribunal as Interim Appellate Tribunal.

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About Real Estate...

How the Real Estate Industry Works

Real estate also refers to producing, buying and selling real estate.

 Real estate affects the U.S. economy by being a critical driver of economic growth.

Construction of new buildings is a component of gross domestic product. It includes both residential, commercial and industrial buildings. It contributes 7 percent, or $1.2 trillion, to the U.S. economy. 

New home building is a critical category. It includes construction of single-family homes, townhouses and condominiums. The National Association of Home Builders provides monthly data on home sales and average prices. The data on new home sales is a leading economic indicator. It signals how the housing market will do in nine months. That’s how long it takes to construct new homes. The NAHB also reports new home starts, Those are the number of home construction projects on which ground is broken. 

Real estate agents assist homeowners, businesses and investors buy and sell all four types of properties. The industry is typically divided up into specialists that focus on one of the types.

Sellers' agents help find buyers through either the Multiple Listing Service or their professional contacts. They price your property, using comparative listings of recently sold properties known as "comps." The can help you spruce up your property so it will look its best to customers.

They assist in negotiations with the buyer, helping you get the highest price possible. Here are more sellers' agent services.

Buyers' agents provide similar services for the home purchaser. They know the local market. That means they can find a property that meets your most important criteria. They also compare prices, called "doing comps." It allows them to guide you to areas that are affordable. Buyers' agents negotiate for you, pointing out reasons why the seller should accept a lower price. They help with the legalities of the process, including title search, inspection and financing. Here are more b services.

Real estate agents who want to increase their professionalism become REALTORS®. The National Association of REALTORS®  publishes provides monthly reports on the number of homes resold and their average price.

It's a better indicator of the health of the overall housing industry than new home construction. That's because new home builders can be overenthusiastic about future sales and overbuild. They can also cut prices to force sales. Individual homeowners must follow the market's supply and demand. They don't have the clout to manipulate the market. NAR provides the current housing market statistics.

Real Estate Investing

Everyone who buys or sells a home engages in real estate investing. That means you must consider several factors. Will the house rise in value while you live in it? If you get a mortgage, how will future interest rates and taxes affect you?   

Many people do so well with investing in their homes they want to buy and sell homes as a business. There are many ways to do that. First, you can flip a house. That's where you buy a house to improve then sell it. Many people own several homes and rent them out. Others use Airbnb as a convenient way to rent out all or part of their homes. You can rent vacation homes using VRBO or Home Away.

Before you do that, make sure you know what's the current business cycle. You don't want to start potentially risky investing if the real estate market is going to crash. 

You can also invest in housing without buying a home. You can buy stocks of homebuilders. Their stock prices rise and fall with the housing market. Another way is with Real Estate Investment Trusts, called REITS. These are investments in commercial real estate. Their stock prices lag behind trends in residential real estate by a few years

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