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3 Acres (approx.)  |  B+Gr.+37  |  2 Blocks  |  80 Flats  |  Single & Double Floor Villas BHK  |  5700 to 8800 (sq. ft.)  | Possession 2017

Atmosphere will be a luxury residential condominium consisting of two towers, soaring more than 125 meters with gardens on each duplex unit. These two towers would be connected at a height of 500 feet by a giant structure suspended in the air just like a cloud. This amorphous shape-shifting, tubular piece of floating sculpture is named Dey, meaning cloud, derived from the verse of Rabindranath Tagores. A dream, a vision, an engineering marvel and a paradoxical steel cloud - there is so much to be said of this marquee project by Forum. Situated at the Eastern Bypass area of Kolkata, Atmosphere is the very pinnacle of luxury living in India. Created in collaboration with renowned architects, engineers the project bring together some of the most established names in fine living.

Born in the mid seventies, Forum Projects has over the years emerged as one of the largest and fastest growing business houses operating from Kolkata. While real estate development is the group's core business, it also has industrial applications in the form of mining and manufacturing as part of its business. From building the first computer integrated building- Infinity to revolutionizing retail in the east with Forum and building the first green IT infrastructure of the world- Technopolis, Forum Projects has always been innovative and different in its thoughts as well as actions. Driven by the pioneering, prudent and ambitious vision of its founder, S M Shroff, the group is now led by his young and dynamic son, Rahul Saraf. With its rich reserve of experience as well as expertise, Forum Projects is all set to scale new heights and set new benchmarks.
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-Bed rooms with personal landscaped terraces Large

-Cantilevered columnless landscaped terrace of up to 1500 sq. ft

-Private lift lobbies and Entrance foyers – the ‘aangan’ with every apartment

-Double height living rooms with almost 20 ft. of glazing Air-conditioned Island kitchen

-Centrally airconditioned with individual VRF system and enhanced indoor air quality


EM Bypass, Near Science City

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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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      Atmosphere

      Location E.M. Bypass

      City Kolkata

      Single & Double Floor Villas BHK

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