Know Your Home Insurance Clauses When Buying An Apartment

During the process of buying an apartment, you’ll encounter many new aspects like applying for home insurance. If you have absolutely no idea on what home insurance is and what it covers, you need not worry – because only when you buy an apartment will you face all these issues!

What is Home Insurance?

Home insurance is a form of property insurance that provides coverage to all types of houses. A house is an asset, and it is one of the biggest assets that a person can hold. Houses are excellent investment options that people normally buy for being financially secure throughout their lives. When it comes to home insurance, there are two parts that need to be covered overall – the entire building, and the contents within the building.

When you apply for home insurance for your apartment, you can opt for either one among these two. You can either just get insurance cover for the building, or you can get all the interiors covered along with the building as well!

Knowing Your Insurance Can Make Things Easier

Knowing Your Insurance Can Make Things Easier

Insuring The Building

Home insurance for buildings will cover compensations for losses faced due to natural catastrophes like storms, tempests, fires, floods, lightning and landslides. The cover for your apartment in Hyderabad will also cover other unforeseen events like strikes, riots, and damages caused to your apartment due to acts of vandalism or terrorism. Any forms of explosion or implosion will also be compensated for, under this type of home insurance. Sometimes water tanks or other apparatus like pipes can burst due to an increase in water pressure, and these instances will also be compensated for. Damages caused due to earthquakes will also be covered when you get adequate home insurance for your apartment in Hyderabad.

Insuring The Contents

You can opt for a home insurance plan that covers both your building and the contents within the building, when you opt for insurance for your apartment in Hyderabad. The insurance will cover all appliances and electrical and electronic goods within the premises. Furniture, jewelry and clothing items will also be covered, although this may vary with each insurance plan depending on the provider. Such items will be compensated for when you get a similar item without compromising on the features. These household contents will be covered based on some restrictions and conditions – the items need to be inside the premises during the instance of damage.

A List of What Home Insurance Policies Cover

Apart from the building itself, and its extended structures like parapets, balconies, railings, and other sections, the contents within the building that are covered are:

  • Electrical appliances and items like tape recorders, air conditioners, refrigerators, DVD players, washing machines, television sets, and computers.
  • Other household articles that can be found in any apartment like clothing, furniture, carpets, fixtures, and linen.
  • Jewels worn by members of the family when they are within the premises of the house. Your jewelry will be covered by the insurance policy even when worn outside and stolen or snatched.

The amount is settled after deducting the depreciation value of the product from its original rate. Home insurance covers also household items, and houses that are used for business practices will not be covered under this type of insurance.


ApnaComplex is a web based apartment management software. It is designed to make the life of residents and owners a lot better by brining in more transaparency and accountability in manging the complex. Sign up your complex today and get the benefits!


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.


Andhra Pradesh Apartment Ownership Act – Know Your Legal Terms

When you purchase an apartment in Andhra Pradesh, regardless of whether you’re buying an apartment in Hyderabad or in Visakhapatnam, you’ll need to know all the terms and legalities involved in the Andhra Pradesh Apartment Ownership Act as this act governs all the laws pertaining to apartments and other living spaces in the state.

It's Always Better To Know Your Legal Terms

It's Always Better To Know Your Legal Terms

What is the Andhra Pradesh Apartment Ownership Act?

The Andhra Pradesh Apartment Ownership Act provides regulations that monitor that promotion and ownership of apartments in the state, and this act has been active since 1987. Knowing all the laws mentioned in the act can be a very hard task, but to make sure that you understand what all the definitions and meanings imply and to prepare yourself for any legal procedures that you might face (even for registering your apartment), you can go through the basic definitions that are provided in this act.

Why do you need to know about the Andhra Pradesh Apartment Ownership Act?

Learning about these contextual definitions can help you stay in the same wavelength when you consult a lawyer. This can also come in handy because you can verify any differences that you may have with your builder regarding the project. Many conflicts arise when builders stray away from the established floor plan and start including new structures in the agreed design.

Some builders may also try and lease out common areas in the apartment complex, like the swimming pool and the parking lot, to other third parties. You can easily take legal action in all these instances, provided you know all about the Andhra Pradesh Apartment Ownership Act first.

Some Basic Definitions Involved:

  • Apartment – Under the Andhra Pradesh Apartment Ownership Act, an apartment is given as a part of property that has one or more rooms separately constructed as a unit in the overall building. This enclosed space can be used for residential purposes, for commercial or office purposes or for any other form of independent use. The enclosed unit should also have an exit that leads to public areas like streets or roads or to a common area that is shared.
  • Association of Apartment Owners – There are separate byelaws that take care of the formation of an apartment association and its constituting members. The Andhra Pradesh Apartment Ownership Act defines an apartment association as a group all apartment owners.
  • Building – A structure that has five or more apartments or two structures that have more than two apartments each can be classified as a building, according to the Andhra Pradesh Apartment Ownership Act.
  • Common Areas – Common areas in an apartment are mentioned in the Declaration. The Andhra Pradesh Apartment Ownership Act includes basements, gardens, cellars, parking areas, main walls, terraces, halls, stairways, corridors, entrances, exits and lobbies, and the entire space of land used during construction under the definition of common areas in an apartment complex.
  • Property – The overall expanse of land used, the common areas and the buildings together constitute the ‘property’.
  • Limited Common Areas – The common areas which can be used only by a particular section of the apartment complex are described as the limited common areas.

ApnaComplex is web-based apartment management software. It is designed to make the life of residents and owners a lot better by bringing in more transparency and accountability in managing the complex. Sign up your complex today and get the benefits! Yes, we offer a 30-day no-obligation trial!


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.


What Apartment Owners Association Rules State About Running Small Businesses From Home

If you have a potential business idea or service that you want to try out in mind, it is always wise to consult the managing committee in your apartment association well in advance. Having a small chat with the managing committee members of your apartment association can set a lot of things straight and can help you learn more about the rules and regulations involved with running a business from your flat in the apartment complex.

The Rising Trend

Workspaces are now shifting, and people no longer have to necessarily work from offices. With the advent of the internet, people can work from home with the help of a constant internet connection. Freelancers are popping up everywhere, and this is slowly turning out to be the latest mantra.

It’s likely that many people are continuing to work from home without any idea about the regulations or rules that they may be breaking. This is not a wise move, as this may turn out to be a problem sooner or later when other residents start noticing the general happenings.

Setting up home office can be tricky

Setting up home office can be tricky

So where do apartment complexes in India stand when it comes to using residential houses for commercial purposes?

The answer for this question depends on the type of business carried out. Every apartment association may have a different take on the same issue. In an overall view, using a residential apartment for business use is strictly prohibited, regardless of whether the business is conducted by the members of the household, or by a third party. The general laws state that residential units can be put to commercial use in a scale of 20%.

Do apartment association bodies have byelaws that pertain to this scenario?

Any apartment association worth its salt will have regulations that cite such instances. However, the laws state that a residential unit should not be put to ‘commercial use’. Not all jobs fall under this broad category, and this is exactly why you should consult the members of your apartment association and ask them for their views.

Commercial activities are defined as activities that involve the purchase, production and sale of physical goods, as per the law. Any kind of service provided does not fall under this category, and if that’s what you’re looking to do – your apartment association can give you the go-ahead.

Providing Services

Commercial activities are not allowed in a residential complex by the apartment association mainly because of security concerns. Your neighbors will obviously be annoyed if people keep visiting your house in noisy packs, by parking their vehicles in spaces that are purely meant for residents.

If you’re planning on providing services that are not commercial in nature, like Yoga classes, then you can talk to the managing committee in your apartment association and get the committee’s approval. You can also provide tuitions for school or college students, and other services like arts classes, dance classes and painting classes, provided your services do not interrupt the daily lives of your neighbors.


ApnaComplex is a web based apartment management software. It is designed to make the life of residents and owners a lot better by brining in more transaparency and accountability in manging the complex. Sign up your complex today and get the benefits!


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.


Does Your Apartment Owners Association Qualify For Stamp Duty Remission?

There are many advantages involved with staying in an apartment complex, and one major advantage is the prominent role that you can play in your apartment association. An apartment association is formed with all residents in the apartment complex as members soon as the apartment complex is registered legally.

By joining the apartment association, you can carve out definite duties and responsibilities for yourself and you can carry these out to your best extent. This can be an entirely different experience altogether, because your role in an apartment association will expose you to hitherto unexplored facets in the legal world. The recent Stamp Duty Remission announced by the government is one such example, because you’d have been unaware of this concept, if not for your position in the apartment association.

Stamp Duty Remission – Fact of the Matter

Recent concessions have been announced by the Government of Andhra Pradesh regarding a concession on the stamp duty that’s levied on apartments. The announcement lists down certain conditions, and an apartment complex that satisfies all these conditions can avail the concession offered.

But before you start off trying to find out whether your apartment complex would be eligible, you’ll need to know what stamp duty actually is. 

What is Stamp Duty?

When it comes to legal procedures, taxes are levied in many sections, including the documents used for the procedure themselves. Such tax that is levied on all legal documents is called as stamp duty. Once the stamp duty is fully paid, a stamp will impressed on the document or attached to the same. This applies to all commissions, receipts and checks too.

In the case of apartments, stamp duty is levied when an apartment (or) apartment complex is taken for proper registration. In order to register the apartment complex officially, some stamp duty needs to be paid. The payment involved varies from place to place though.

Conditions for Stamp Duty Remission

The government states many conditions when it comes to remission of stamp duty, and these conditions need to be satisfied for the same.

  • The concession is provided to flats or apartments that have a floor area that is equal to or less than 1200 square feet. Any apartments or flats that have dimensions more than this will not be considered eligible for concession.
  • The concession is only provided for residential areas, and it is not provided to residential apartments that are put to any form of commercial use.
  • The overall floor area specified is inclusive of parking space. Any apartments or houses that have dimensions of 1200 feet or below, excluding their parking space will not be considered.
  • Stamp duty remission will be provided for flats and apartments and other registered structures like apartment complexes, which have more than or equal to five tenements.
  • Independent houses and apartment complexes that have lesser than five tenements will not be considered for stamp duty remission.
  • The concession will be provided only on stamp duty, and there will be no changes in the registration charges or transfer duty.

ApnaComplex is a web based apartment management software and is designed to make the life of management committees a whole lot easier. Sign up your complex today and get the benefits!


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.


Apartment Owners Association Bye Laws – The Basic Bye Laws For Each Apartment Association

Apart from the deeds and declarations involved in buying an apartment, there are also many bye laws that you will need to be aware of. These bye laws will govern every property’s administration and a copy of these bye laws will always be attached to the Declaration statement. You will need to know the content of these bye laws before buying your apartment, just to be on the safer side.

You will also find it easier to communicate the legal aspects with your real estate lawyer if you’re aware of these bye laws and their contents.

One major aspect of these bye laws is that these cannot be modified or tweaked with, under any circumstance. In order to modify a few bye laws for practical purposes, they should be placed as an amendment along with the Declaration. Only persons with authority will be authorized to fill up such an amendment.

What Bye Laws Are

These bye laws will be mainly responsible for governing the activities of the managing committee. While deeds and declarations will be part of the legal processes associated with obtaining an apartment, bye laws will be more focused towards the managing committee in an apartment complex and how members are initiated and expelled from the same. This is why it is mandatory to have some sound knowledge on these issues in order to exercise your rights to the fullest.

Knowing All Bye Laws Can Be Helpful

Knowing All Bye Laws Can Be Helpful

 

What They Involve

  • Bye laws for apartment complexes will be mainly concerned with the following issues:
  • Bye laws will apply to the method through which the Board of Managers or the Managing Committee in an apartment complex is elected. This is the main area where these laws are applicable. Bye laws will clearly cover the following aspects under the subject of the Managing Committee
    • The strength of the committee (that is, the number of members the committee can/should have)
    • The term that each member in a particular position in the committee can serve
    • The methods involved in the initiation and removal of members of the board
    • The collective powers that the members of the board possess
    • The collective list of duties for all members of the board
    • The bye laws will also specify the conditions under which the services of a secretary can be engaged in the apartment association. They will also specify the powers that any individual acting as secretary in the apartment association will have.
    • The bye laws will specify the method through which a Secretary can be appointed or elected. The Secretary’s main duty under the bye laws has been specified as ‘maintaining the resolutions and minutes of every meeting’.
    • The same details as mentioned above will also be specified for the Treasurer’s post.
    • Bye laws will also cover the procedure for appointing and relieving maintenance personnel.
    • The bye laws also clearly state the conditions under which every resident should use the public spaces in an apartment complex, without interfering with the activities or privacy of other residents.  

These laws can help you get a fair understanding on the rights you hold as a member of the apartment association. They will also help you exercise your rights regularly and in the right manner.


Related Post: Bye Laws: The Constitution of your Apartment Association


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.

How To Purchase An Apartment In Bangalore – Some Tips

Purchasing an apartment in Bangalore is a dream for many young Indians today, as Bangalore is a fast growing city and a hub for all people, young and old. It all started with the IT revolution, when major companies recognized Bangalore as a fertile ground where they could set up base. This was followed by extensive migration as many engineers started flocking to Bangalore in search of better career prospects.

Today, Bangalore is fast rising as one of India’s premier cities, close in Mumbai’s tail.

Buying an apartment in Bangalore can solve multiple purposes.

  • In a time of rising rents and accommodation expenses, it can be a great investment to actually buy an apartment in a thriving city like Bangalore as the general value is high.
  • You will also have constant access to all amenities, including swimming pools, gyms and playgrounds.
Bangalore Sky line

Bangalore Sky line

When opting to buy an apartment in Bangalore, there is a series of steps that you follow, as these will help you make the right choice without going wrong in any account.

The Right Location

You may have to decide on the right location before pouncing for the kill and buying an apartment in Bangalore in a hasty manner. Make sure that you take all things into consideration, including the apartment’s distance from your workplace and its distance from nearby schools and universities (if you have kids!).

While opting for an apartment in Bangalore, you can either choose one that is located bang in the city’s commercial center or one that is located in the peaceful outskirts. In case you have kids, the latter option would be more ideal. Commercial areas tend to be very noisy and bustling and all this can take a toll on you over a period of time.

Good Infrastructure

Check if the apartment is indeed your dream home or a blast from the past. A few apartments in India tend to be improperly furnished with no showers, fading walls, bad carpeting and non existent furnishing. You’ll be investing all your hard earned savings in an apartment, so exercise your right in being choosy. Do not settle for apartments where bathrooms just have a pail and a bucket. Instead, you can opt for a beautiful apartment that is well furnished on all fronts.

Establishing Limits

The key to making a good investment is proper calculation. You should create a budget and stick to it, in order to make sure you don’t spend it all away on the apartment. List out your requirements, (what you’re looking for in an apartment) and check out the many housing complexes located out there. Compare the rates with your budget and pick out the one that matches all your criteria. Talk to the builders and question them on the advantages of taking up an apartment in their complex.

Know Your Papers

  • Verify whether the apartment of your choice has proper BBMP Approval Certificates.
  • Make sure you check the flat’s Khata Certificate. Ask for this from the owner of the place.
  • The property should have no loans dependant on it, so check the Encumbrance Certificate.
  • Employ a good real estate lawyer and verify the content of these certificates and the content of the Sale Agreement and Sale Deed with him/her.
  • Wrap up all your pending payments before the period mentioned in the Sale Deed and get a sale agreement. 
  • Get your sale deed registered and get the Khata in your name. 

These small facts are not that well known, and these are essential in ensuring that real estate brokers do not take you for a ride. Pick out a great apartment following these simple guidelines and revel in your space in India’s software capital!


Read Also:
1. Before you buy: A checklist for Apartment Buyers
2. Guide to Buying a Property in Bangalore from a Legal Perspective


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.

Karnataka Apartment Owners Act Part Two – Contents Of Declarations And Deeds Of Apartments

While registering your apartment under the Karnataka Apartment Owners Act, you will need to be aware of the contents of the deeds and declarations involved, as this is necessary.

Not many people these days take the effort to know what works in the legal section of obtaining an apartment while registering their building under the Karnataka Apartment Owners Act, and this is not a very good sign. Having good knowledge on the legal proceedings can help you immensely in communicating effectively to your lawyer.

Learning legal information is not rocket science, as you will find out through the course of this post, as very basic facts and figures are involved.

The content that an apartment’s deed and declaration will hold has been given below.

Karnataka Apartment Owners Act Details – Declaration Contents

  • The declaration will hold many particulars, and the most important of these is the land description. The nature of the land involved will be given in a detailed manner (that is, whether the land falls leasehold or freehold categories).
  • A detailed description of the building will follow, stating the number of basements and storeys in the particular building. The number of apartments involved will also be mentioned, and the basic materials used to build the structure will be specified.
  • Details will also extensively include the apartment number of each apartment that falls under the span of the building, the number of rooms present in each apartment and the dimensions of the same, and also the common areas that the apartment has access to. This is used for identification purposes.
  • The value of each apartment is also mentioned in the Declaration, and the overall value of the property and the percentage of interest (undivided) that each resident will bear for access to the common areas in the apartment complex will also be mentioned.
  • A set of bye laws will also be attached with the Declaration during registration. In simple terms, these bye laws are more targeted at apartment associations and they will involve procedures for appointing people into the upper tier of the apartment association.
  • The Declaration will also contain the name of the person that the entire registration process in carried out under. All personal details including the residential address, the contact details and occupation will be specified.

These are the basic details that will be included in a Declaration, under the Karnataka Apartment Owners Act.

Karnataka Apartment Owners Act Details – Deed Contents

  • The Deeds will contain more or less the same content as given in a declaration, including a description of the land that the apartment complex or building is set in.
  • The Deeds will also contain information that can be used to establish the identity of the particular apartment, including the apartment number as stated in the declaration.
  • The Deeds will contain the percentage of interest (undivided) pertaining to the common areas in the apartment.

These are the basic details involved in a Deed under the Karnataka Apartment Owners Act. Any real estate lawyer will be able to smoothly take you through the procedures involved without any issues.


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.

Karnataka Apartment Owners Act Part One – Apartment Association And Registration of Deeds, Declarations

In order to buy your own apartment and become a member of the apartment association, there are a few steps and legal processes that you’ll need to know about.

The Need

It’s wise to be well versed in all the legalities involved while buying an apartment in the state of Karnataka. Although a real estate lawyer can take care of the half the issues in this regard for you, being aware of your rights and your position in the entire setting can help you make better and faster decisions. There are many deeds and declarations that you will have to go through while buying an apartment in a city like Bangalore.

Talking to the members of your apartment association can help you get a clear idea. Senior members of the apartment association will guide you through the legalities involved.

The Karnataka Apartment Owners Act 1972

This act deals exclusively with apartments that are residential in nature. Apartments are termed as transferable properties that are also heritable under this act. In order to register the apartment complex under this act, all apartment owners will need to come together and sign the particulars, which can be quite an ordeal.

Know your State Rules

Know your State Rules

The Registration Procedure:

Given below are a few facets that you’ll need to know while getting your apartment registered under the Karnataka Government:

  • The Declaration should be registered properly under the Registration Act of 1908.
  • The deeds involved with the house will also need to be registered with the Registration Act of 1908.
  • The floor plan of the particular building should also be duly registered under the Registration Act of 1908.
  • Along with the registration of the building’s Declaration, extensive details about the building should also be filed along. These details should include the building’s layout, the location of the building, and the number of the particular apartment. The apartment’s dimensions will also have to be accurately mentioned in the details. This is very important.
  • The building’s name should also be specified in the details provided. If the particular building has no specific name, it should be mentioned that the building does not have a name.
  • All these above mentioned details should be properly verified by an architect, who will need to release a statement mentioning that the specified details are correct.
  • This statement should then be run through some local authorities under whose jurisdiction the particular building falls, who will, in turn, verify the same and approve it.
  • If the submitted plans do not include the verified seal of a practicing architect, then the plans should have an amendment attached to them when they are submitted. This amendment should certify that the floor plan mentioned in the documents, the name of the house specified and the dimensions of the building are all accurate and true. This is also very important.
  • The registrar or sub registrar will then register the declaration and deeds involved under the Karnataka Government through an act that was made effective in 1908.

This is the general registration procedure involved in registering an apartment and the apartment association under the Karnataka Government.


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.

Apartment Association Terms Explained – Part Two

Apart from the basic terms, there are many other terms that are regularly used in an apartment association. Knowing these terms can aid you in comfortably becoming a member of an association yourself, where you’ll find that your knowledge on these terms is useful. This is the second part in the series of articles. The first part can be found here: Apartment Association Terms Explained – Part One

Know your terms

Know your terms

Apartment Association Terms – Common Areas & Common Facilities:

Members of any apartment association frequently talk about common areas and common facilities. The primary question that runs through every single initiate’s mind is – what exactly are these areas, and how are they shared?

Common areas in an apartment primarily include the land in which the entire complex is built in.

  • Physical entities like the columns of the building, the foundations of all buildings in the complex, the many girders that run through the structure, the beams used for support; other physical structures used for support are also a part of the mentioned common areas for residents.
  • Other places like the roofs of all buildings, the corridors in each building, the halls that the complex has, staircases, lobbies, the main entrance of each building and the exit of each building all together make up the common areas in an apartment complex, according to the apartment association.
  • Even the cellars in the buildings in an apartment complex and the vast gardens and parking areas can be effectively classified as common areas in the complex. The list includes basements and storage spaces too.
  • Many facilities provided in an apartment complex for the benefit of the residents also fall under common facilities or common benefits. All apparatus used in an apartment complex, like motors, water pumps, compressors, fans, ducts, storage tanks and even elevators fall under the general umbrella of common facilities. The facilities that can be termed as common will be fully mentioned in the Declaration.
  • Any commercial facilities that may be provided in the apartment complex need to be mentioned in the Declaration, for them to be recognized as proper common facilities.
  • Public installations that provide the entire apartment complex with services like heating, lighting, air conditioning, cold water, hot water, power and refrigeration can also be termed as common facilities.

Apartment Association Terms – Common Expenses & Common Profits:

The term ‘common expenses’, although clear through its usage, can apply to a lot of things.

  • The common expenses of the apartment association (as per the bye laws specified by the Government) fall under the umbrella term of ‘common expenses’.
  • All expenses that are shared by members of the apartment association are terms, or the maintenance and steady upkeep of all common areas, are termed as common expenses too. All common expenses will be explicitly mentioned in the bye laws and these just have to be followed per se.
  • After the maintenance work and upkeep in a complex is done, if any amount from the original amount collected from all residents remains, it is termed as a ‘common profit’. Such profits will be shared among all members of an apartment association.

These are the many terms that you should be aware of, pertaining to shared areas and common facilities in an apartment association.


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals. If you need professional advise on this topic and any other property related matters, please send your request through our contact us form. You may post your questions/inputs in the Comments section below and we will try and get them answered through relevant subject matter experts.

Apartment Association Terms Explained – Part One

Learning about many terms used in an apartment association can be very helpful indeed. These terms will come to your rescue when you’re facing a huge wad of legal paperwork, and when you’re finding the formal tone and legal jargon extremely hard to understand and digest. Although we all may know the generic meaning for terms like ‘apartments’ and ‘apartment owner’, the legal meaning may be more loaded that what people can normally comprehend. Knowing all legal terms and learning about various definitions from a professional perspective can thus help you.

When reading up on the terms used in an apartment association, always go for a trusted source.

Terms Used In An Apartment Association

Given below are a few terms used in an apartment association, and their proper explanation. All these terms are defined under the Karnataka Apartment Ownership Act of 1972, which defines and talks about an individual’s ownership over a set dimension of property. You will learn more about the constituents of this act when you take up the registration procedure for your deeds and Declaration.

Apartment:

An ‘apartment’ is basically a term used to denote a residential section in a building that can be located in any of the mentioned floor, with any number of rooms. An apartment may also be present in more than one floor, or in parts in each floor. Apartments, as per the Apartment Ownership act, have a direct exit to a public road or street, or even highway. Apartments which do not fall under this category may have a direct exit to a public space or common area, which may in turn lead to a public street or highway.

Apartment Owner:

An apartment owner will normally refer to a person who owns an apartment, and has some undivided interest in all shared regions in the apartment complex too. The interest and other particulars will be duly mentioned in the Declaration, and these can be taken from the documents directly.

Apartment Number:

The letter or number designated to a particular apartment is the apartment number. The number will be mentioned in the Declaration, and it may either be a letter, a number or a mixed combination of both these things. The apartment number is first specified in the declaration.

Association of Apartment Owners:

This is a term that is used to denote all the members of an apartment association. The people who together form the apartment association are collectively termed as an Association of Apartment Owners. True to the term, these individuals will have an apartment in the premises in their name and will all be owners of at least one apartment in the complex.

Building:

In the jargon used in an apartment association, a building normally means a residential structure that houses at least four (or more) apartments. A collective building can also refer to a structure with two buildings with two (or more) apartments in each building. A minimum of four apartments are seen as necessary either way.

These are the very basic definitions that you first need to know and understand in order to proceed to the later ones. Other definitions on common areas and public spaces will soon follow.


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