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52 Cottahs  |  3 Towers  |  92  |  1, 2 & 3 BHK  |  468 to 1032 (sq. ft.)  | Possession- December, 2019

If you are thinking of a lavish gated community with spacious 1/2 & 3 bhk flats on Sodepur, having all modern facilities and amenities, with superb connectivity - think about "ASPIRA JOY". Amenities on offer are like Plunge pool, landscape garden, community hall, indoor games room, play area, etc. to name a few. Live in JOY and get the feel of ecstasy.

At the core of Aspira Group lies the convergence of dynamic ideas and the will of making a difference. The Group believes in harmony between various mindsets and applying them for best results. It thrives on creativity in its real estate structures, applies strategic logic as far as business decisions are concerned and creates strong relationships with both employees and clients. Even after two decades in the real estate industry and an unending streak of quality creations, Aspira Group has still not ceased to aspire for the biggest share of the nation's skylines!
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Structure

- RCC framed structure

Exterior

-Weather proof paint

Interior

-Smooth Paster of paris wall finish

Windows

-Sliding premium finish Anodiseds Aluminium frame

Door

-Good quality flush doors in all other doors

Flooring

-Quality vitrivied tiles of quality make in living, Dining 7 all bedrooms stairecase & lobby - wide specious stairecase, elegently designed lobby & corridoors with high quality tiles kota/ merbles stone

Lift

-High quality lifts of Kone/ Otis/ Johnson or equivalent make in each block

Electrical

- Copper wiring of reputeded make

-MCB of reputed make

-A.C point in master bedroom

-telephone TV cable p[ionts in living 7 dining area

-Gayser point in bathroom

-Adequate light & fan points

-Modular switches of finolex or equivalent make

Kitchen

-Granite top platfrom with stainless steel sink of reputed make, glazed tiles, dado above platfrom

Water Supply

-24 hours uninterrupted water supply

Toilet

-Elegant CP fittings of Hindware or equavalent make anti-skid cerimic tiles from reputed make on the floor and walls upto door height

-Hot and cold water plumbing

-Western style sanitary fitting of Parryware or equavalent make


location map

* Please click on images for enlarged image and click on the heading link to view individual unit plans for the respective floor.

Computation



EMI Calculator :
Adjustable Rate Home Loan EMI calculator :

If you want to apply for an Adjustable Rate home loan, this tool will enable you to calculate your Equated Monthly Installment (EMI ) if you know the loan amount you require, term for which you want to take the loan & the rate of interest that is applicable. You can check the EMIs for different loan tenures to decide which would be most suitable for you.

 


 

DISCLAIMER: The above figures are indications only. Always confirm with your Bank before taking any decisions regarding home loan.


 

Loan Purpose

You can apply for Home Loan for the following purposes :

  • Purchase of a plot of land and construction of a house thereon
  • Construction of a house on plot of land already owned
  • Purchase of a new house or flat
  • Residual age of the property should not be less than 30 years old (Home Acquisition Plan)
  • Extension or renovation or repair of a house or flat already owned by self (improvement or extension plan)
  • Take-over of existing Housing Loan (Balance Transfer)
  • Pre-allotment booking finance
  • Loan takeover with additional refinance (Balance Transfer + top up)
  • Loan to NRI for purchase of ready residential property only
  • Purchase of residential plots only

Eligibility

 

Salaried Individuals
  • Any individual who is in permanent service in Government or reputed companies
  • The applicant in all the cases should be above 22 years of age at the time of loan commencement and up to the age of superannuation
Professionals
  • Professionals (ie, doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, management consultants only) can apply
  • The applicant should be above 22 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity
Self Employed Individuals
  • Any individual filing Income Tax returns can apply
  • The applicant in all the cases should be above 22 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity
  • Trade Licence for last 3 years

 


Documentation :

The following documents are required along with your loan application:

Purpose Salaried Others
Proof of identity Voter's ID card or driving license or PAN card or photo credit card or employees ID card or defense or police or government department ID card Voter's ID card or driving license or PAN card or photo credit card
Proof of income Latest salary slip showing all deductions or Form 16 along with recent salary certificate IT returns for the last 2 years and computation of income for the last 2 years certified by a CA
Proof of residence Bank account statement or latest electricity bill or latest mobile or telephone bill or latest credit card statement or latest LIC policy or insurance premium receipt or employers letter certifying the current mailing address or latest NSC or other similar instruments indicating the address or existing house lease agreemen Bank account statement or latest electricity bill or latest mobile or telephone bill or latest credit card statement or latest LIC policy or insurance premium receipt or latest NSC or other similar instruments indicating the address
Bank statement or Pass Book where salary or income is credited Last 6 months Last 6 months
Guarantor form Optional Optional

 

Loan Amount
Limits on home loan :
  • Minimum - Rs 5 lac
  • Maximum - Rs 10 Crores
Margin :
  • 20% in the case of home loans
  • 25% in case of improvement or renovation loans

 

Terms and Conditions :
Repayment
  • Repayment period for home loans shall not exceed 20 years
  • Repayment period of pre-allotment bookings of housing loans shall not exceed 1½ year
  • Repayment period of improvement or renovation or extension of existing property shall not exceed 10 years
Security
  • Equitable mortgage of the property to be financed by way of deposit of title deeds.
Disbursement
  • The loan will be disbursed in full or in suitable installments, taking into account the requirement of funds and progress of construction, as assessed by the Bank directly to seller or builder or local development authority or supplier of materials etc.
Processing charges or admission fee
  • Processing fee equivalent to 0.5% of the loan amount (applied for) will be collected along with the application form (taxes as applicable).
Penalty for early closure
  • Nil
Other Conditions
  • Bank reserves the right to reject any application without assigning reasons thereof
  • The applicant will undertake to inform the Bank as and when there is a change in address or employment

The terms and conditions mentioned above and elsewhere under the scheme are subject to modification from time to time solely at Bank's discretion.


 

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      Aspira Joy

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