Monsoon in India invariably means puddles, traffic jams and blocked roads. Naturally, this doesn’t sound like a good time to go apartment hunting. Well, believe it or not, this is one of the best seasons to lock in on your preferences. Here are four convincing reasons for you to brave the elements, and go looking for a house this monsoon.
Make The Best Of Monsoon Discounts
Monsoon is a dry season in terms of real estate sales. Besides the heavy rain, most people consider this time inauspicious to make big purchases. Luckily, this makes it the best time to get a good bargain. Even when the developers do not advertise it as a monsoon discount per se, most of them are more than willing to offer lower rates to serious buyers in order to clear existing inventory. The amount of discount you can avail varies for different cities, depending on how badly the city is affected due to monsoon.
Avail Special Monsoon Home Loans
It’s not just the developers who are keen to boost their slow business during monsoon. Even banks and financial institutions are more likely to negotiate interest rates and offer attractive home loans during monsoon.
Choose The Most Ideal Locality
House hunting in monsoon will reveal a lot about the water logging problems in the locality. Driving around in a downpour will also give you an idea about traffic problems, and the time required to commute to and from that locality. This is especially helpful if you have new to a new city, and are yet to learn its quirks. Looking for a house during monsoon saves you a lot of trouble as you know what you’ll be dealing with during the next monsoon.
Inspect The Property During The Worst Season
In the case of partially or fully completed properties, inspecting the house during monsoon will give you a fair idea about its construction and reliability. You can easily spot signs of dampness or leakage, and avoid buying an ill-constructed house. Structural soundness of a building is an essential factor, as you may end up spending a huge amount on repairs if the house turns out to have water seeping problems.
Now that you know why it can be very profitable to buy a house during monsoon, you can very well put on your rain gear, and set out to find your dream home. Not only do you stand a chance at striking a real bargain, you also benefit from the lower home loan rates that are generally offered during monsoon.
When one purchases property to move into, or for investment purposes, its pros and cons come along with it. Formalities need to be completed and documents, such as an occupancy certificate or a partial occupancy certificate, need to be procured before one transports their belongings all the way across the country or hires movers to move them from the opposite building. These two documents are just as important as the rest, if not more.
On completion of a building / project, the builder must apply for OC to the local authority in charge. An occupancy certificate is issued to him, stating that the residences in the buildings constructed by him are fitted with all the facilities and utilities as promised at the time of construction. This means that the premises are fit for occupancy.
But when does the need for a partial occupancy certificate arise?
A partial occupancy certificate comes into the picture when there are blocks or phases of large projects to be developed with varying completion dates. When the construction of one phase is completed, the concerned authority grants a Partial OC to the builder after thorough inspection of the building. Similarly, phases that are completed after that are given a Partial OC as well.
A Partial OC is replaced by a consolidated document called the OC (Occupancy Certificate) stating that the entire project has reached its completion point and is now deemed fit for occupancy. All the Partial OCs for that particular project become invalid once the Final OC has been granted. Until then, they act as the OC for that particular phase. The concept of Partial OC has always existed but it is becoming increasingly significant nowadays, since townships and other residential areas are being built in phases.
Pollution Control Board (including Sewage Treatment Plant)
Forest Department
Parking regulations
Electricity Board (including elevators)
Waste Disposal and Management facilities
Rainwater harvesting facilities
Airports Authority clearance, if the project is within the range of an airport
How does an OC come into the picture at the time of redevelopment?
If there is redevelopment taking place or there are additional floors to be built, the developer obtains a Partial OC for every flat on every floor that is constructed and ready for possession. This Partial OC is also replaced by a final OC at the time of completion of project. If, for whatever reason, the project has not been completed or was unable to be finished within the specified duration or permissible time limit, construction should be stopped. After that, an inspection will follow, based on which a final OC will be granted to the residents.
Importance of OC and Partial Occupancy Certificate:
Legal and immediate possession of a flat is valid only if there is the OC or Partial OC to show for it.
Builders cannot hand over flats to buyers without receiving the OC from the concerned authority in charge.
Without an OC, buyers / owners are not eligible for any insurance or compensation claims.
Possession of a Partial OC lets one apply for sanitary, water and electricity connections. Even if these facilities have been made available without an OC, they are liable to get disconnected.
OC is generally required to get a home loan sanctioned by a financial institution. With a Partial OC, one may not get an approval for their home loan.
Application for Partial OCs and OCs need to be submitted within 30 days of completion of the project / phase. The local authority, in turn, must respond within 30 days of receipt of the application, providing an acceptance or rejection and reasons for the same. The OC is a necessity when one wishes to sell their flat.
An OC or Partial OC tells you about the extent of deviation from the sanctioned plan and acts as an assurance to its regularisation, if the violations are within 5 percent of –
(1) the setback that is to be provided around the building
(2) plot coverage
(3) floor area ratio
(4) height of the building.
The deviations are regularised after the modified plan is approved by the authority in charge.
If you have purchased a flat that is under the phased development plan, insist on getting a Partial OC. This is valid until the project is under construction. Then make sure you replace it with an OC once it is completed. Keeping these important documents safe and available whenever they are required is of utmost importance. These are synonymous with other necessary compliance that ensures the safety of the flat and the quality of facilities that are being provided. The amenities and services that a flat owner receives must live up to the quality that was promised by the builder. Getting an OC / Partial OC helps to acknowledge this.
Thoughts and comments
If you have any thoughts on the partial occupancy certificate, please do share them with us by commenting below.
Over time, property investments offer handsome returns but the initial investment is always heavy on the pocket. Before buying the property, one should try to evaluate a property in every possible way. Always try to look at the appreciation rate of the property after given number of years. Let’s have a look what are the factors that affect the appreciation rate or the property valuation in India:
Location – Location is the prime factor that affects the property valuation rate in India. Properties based in commercial areas seem to have a higher appreciation rate in comparison to properties located in residential areas. If your property is close to a major IT hub, it is obvious that the rentals, demand and price for your property goes up since people working close by will have the desperate need to always rent or buy the property.
Properties located in the heart of the city surrounded with good infrastructure, schools, hospitals, markets, malls are more expensive than the properties in upcoming and under developed areas. Where would you like to invest and what seems to give you double returns is something you need to ponder upon. Talk to local property dealers, developers from a very developed part of the city and an upcoming area. Compare the property appreciation rate trend in both areas and then make a decision.
Connectivity – Connectivity is another major reason that affect the property valuation in India. Good infrastructure such as airport, metro, flyovers and roads, if are in near proximity to your property, you can expect your property rate to appreciate. When planning to buy properties in under developed areas of the city, always research about the nearby infrastructure that is yet to be built. If you invest in an under developed area, which has some great infrastructure plans in next five years, you may be looking at a whopping rate of appreciation for your property.
Construction Quality – The quality of construction to build a particular property is very important in valuation of a property.The material, design, layout, architecture and the longevity of a building all add to the valuation of a property. Buying a property from a known and reputed builder like Sobha, Lodha, Prestige, DLF who are known for their construction quality will always lead to a higher appreciation rate for your property. In case, you are buying property from one of the local builders, be very sure about it since you don’t want to spend on repairing etc. due to low quality of construction leading to a depreciation in your property rate. Look at some of their prior projects, talk to buyers, take feedback and then take a decision.
Amenities – Presently, common amenities such as pool, gym, parking, garden area and community centre all add value to your property. The urban buyers don’t just look at square feet area of the house anymore, they also want amenities, which makes their life convenient and comfortable. A property coupled with amenities will obviously appreciate more than a just a regular property with no amenities. If you are looking at a property to live in yourself, obviously amenities become an essential but in case you are just looking for a second investment in property, you may want to forego the amenities if the infrastructure next to your property is superb.
Interiors and customization – Good interiors like high quality wood work, top quality bathroom fittings, superior quality paint and top–end flooring etc. add value to your property. Some customers modify their regular kitchens into modular kitchens, a closed living room is customized into an open living room cum dining space, which obviously appreciates the value of the property. The properties with customized rooms or modern fittings obviously appreciate at a higher rate than the regular properties.
Evaluate all the above mentioned factors and then take your property investment decision; after all it’s your hard earned money and you don’t want to just give it away like that.
The real estate market in Bangalore is quite vibrant. The builders are developing villas and apartments of various categories to cater all sections of the society. The built up area ranges from 650 sqft to 10,000 sqft with a price range of Rs 30 lakh to Rs 10 crore plus. There are about 5oo upcoming residential projects in Bangalore, leading to addition of around 60,000 units.
The buyers have a large range to choose from once he narrows down his budget and location. But along with an array of choices one needs to exercise a lot of caution since buying a house involves many issues and legalities that one should take care of.
Please find steps mentioned below which you need to keep in mind before buying a house in Bengaluru:
Project Selection
Verify credibility and credentials of builder, construction quality, apartment facilities and prices offered by similar apartment in your chosen area. Make a note to check about zoning clearance, parking space, water supply and litigation display board if any.
Title Clearance of Land
After identification of the project and the builder, ensure title clearance of land. Projects are left in an incomplete stage mostly due to litigations arising on the account of title issues. After paying a token advance to builder, demand for the master file that’s consists of all land documents and then independently get the `Title Search Report’ (TSR) done. You can also get a detailed encumbrance certificate (EC) from the sub registrar office (SRO).
Approval of Building Plan
BDA needs to approve all layout plans in general and all apartment projects building plans. BDA approval is mandatory even if the project is in Bengaluru outskirts ad approval by CMC or panchayat is not enough. The approvals will have A khata only (entire land and individual flats). Check if the construction is as per the approved plan as builders tend to violate Floor Area Ratio (FAR) and build extra flats without approvals. It’s prudent to check the copy of the approved plan, A khata at the BDA office, as many fabricated plans are in the market.
Construction License
BMPBDA needs to issue a proper license to the builders for constructing the property. Check for deviation violation by matching the original plan approval with the floor plan approval of the apartment. There have been instances where the approved plan shows the apartment on the first floor, whereas it is actually constructed on the second floor, which is unauthorized.
Commencement Certificate
Verify if the builder has obtained proper CC from the BBMP.
Government Clearances
Obtain copies of clearances from Bescom, BWSSB, the pollution board, and fire service besides approvals for digging bore wells from competent authorities.
Builder Loans
Find out whether the builder has got any loan. The original documents of the land would be mortgaged to the banks who will have to issue a “letter NOC” for release of the undivided share of interest (UDS) of the land constructed area. Also ensure that such mortgage transactions are registered and reflected in the encumbrance certificate (Form 15). Otherwise, there is a possibility of the builder getting multiple funding from banks which can take possession of the flats.
Regular Visits
Purchaser should visit the project site periodically to ensure that the construction is as per plan, time schedule based on the agreement, and quality fittings & fixtures are used. The purchaser should insist and ensure that the builder provides a copy of the CC issued by the BBMP. Occupancy Certificate (OC): The builder has to obtain OC from the BBMP within three months of completion of the project obtainment of completion certificate. Buildings without OC are not entitled to power and water connections.
Builder Indemnity
Since the project takes 24 months to 48 months for completion, an “indemnity bond” and “letter of undertaking and affidavit” should be taken from the builder confirming that construction will be as per the approved plan and the completion certificate will be obtained within 3 months of the completion of the project.
Execution of MOE by land owner
If the project is under joint development and the builder has taken a loan, it is desirable that the landlords are made part of the Memorandum of entry, so that they cannot say later that they were not aware of the loan.
Legal Documentation
Be cautious while executing the agreement with the builder. Read and understand the implications of conditions in the agreements since they are normally in favour of the builder with very little scope for legal recourse. It is prudent to have a legal consultant to vet the documents.
Pay the Right Price
Get the apartment measured to verify the carpet area. Builders sell on the basis of super built up area, which includes balconies, common utilities such as swimming pool, gym and staircases, due to which the carpet area gets reduced drastically. Normally, the difference is around 15-20 %: an apartment with a super built up area of 2,000 sqft generally has a carpet area (actual usable area) of only 1600sqft.
Systematically Maintain all Records
Systematically maintain a “master file” consisting of all documents such as copies of receipts of instalments paid, title search report of the project flat, plan approval copy, agreement of sale and construction, commencement certificate, and the “Occupancy Certificate”.
As per a report published by PwC, the ranking of Bangalore, Delhi and Mumbai as a lucrative property investment destination has improved in comparison to last 2 years. Bangalore has climbed up to the 17th position, whereas Delhi and Mumbai have climbed up to 14th and 11th position respectively. In 2014, Bengaluru stood at 20th position with Delhi and Mumbai stood on 21st and 23rd position respectively. The improvement in the ranking of the three major cities mentioned above clearly indicates the improved investor sentiments in India.
The interest in commercial space is likely to increase in 2015. The surge in interest of investors can be a direct implication of – a) real estate global funds focused on India especially on residential projects, b) rise in the number of foreign institutional players, c) creation of smart cities focusing mainly on large-scale manufacturing, d) e-commerce picking up at a very quick pace leading to a high demand for large scale logistics and warehousing space.
In Mumbai, currently the occupancy rate is nearly 80%. The rentals and the property rates are expected to increase especially for posh and high-quality areas. In New Delhi, post the 2014 elections, the rates of commercial properties are now showing an upward trend. Bengaluru on is now witnessing increasing rents of business park facilities at a steady rate.
This year property investment in these three major cities may help you earn moolah but don’t expect too many new projects coming up since the focus this year will be on completing the ongoing projects rather than new project launches.
When it comes to property investment, timing is everything. Ultimately, choosing the right time to enter the market will have a significant impact on the long-term success of your investment.
But how can you, as an investor, know whether the timing is right? Here are 10 tell-tale signs that now is the time to start building your investment portfolio.
1. You are financially ready. You have saved enough for the down payment and you have also established your emergency fund. You have taken into account home maintenance expenses. Your credit history is good and you are able to meet all the financial obligations.
2. You have set your long-term goals. You have a clear picture in your mind of your investment’s purpose and you are flexible enough to adjust to changing circumstances. You are not hesitant. When the timing is right, you are able to adapt to the market needs and the development of technologies.
3. You have done your research.You know the neighborhood of your future property well enough to foresee the coming trends and the possible changes in the community. You have researched all the schools in the area as well as the best commuting means.
4. You have chosen a stable economy. The area is financially stable, economic trends are promising and equities are surging. No demographic fluctuation or no irregular variation of population have been recorded in the area.
5. You understand the country’s policies regarding real estate. The policies of the region promote and encourage a positive, innovative environment as well as drive further economic growth. The tax policy in the country is positive for homeowners. Global innovation index is rising in the area.
6. Infrastructure projects are underway and likely to lead to an increase in property values. The infrastructure of the area is being developed with a focus on: transport, energy, solid waste and water management developments.
7. The region is moving toward sustainable development. The region’s awareness of global and local environmental issues is increasing, the demand for eco-friendly homes as well as for sustainable rural and urban development is rising. As more and more people head toward sustainable living, investing in sustainable property will increase its value in the future.
8. The location draws a lot of interest.Whether it is the best travel destination or the hot jobs spot, the location is always on the top of the search engine. It has become a successful start-up hub already or is planning to do so in the coming years, driving a lot of job seekers into the area. The number of enrolled students is increasing every year and the area draws interest of international students.
9. You have found a reliable real estate agent. It’s particularly crucial to have a reliable representative. Your real estate agent is trustworthy, knowledgeable, and knows the local market well enough to be able to help you make the right choice.
10. You have researched local differences in the property market. Whether you plan to invest in a residential property and turn it into a rental or an office space, you are fully aware of all cultural differences that might occur when you deal with a property seller.
Be smart, question your real estate agent before buying a apartment and stay worry free
Owning a home is like a dream come true as the property squeeze has forced many prospective buyers to look at a relatively affordable accommodation. With busy lifestyles, people are looking out for accommodations which require low-maintenance and are complete value for money. The boom in the real estate sector has led to the emergence of several home developers who offer a decent standard of living to its potential buyers.
However, before purchasing any property ensure that you have gone through the following checklist. There would be some notable points that only you can collect information and your broker/real estate agent won’t tell you. These are –
CHECK LEGAL PAPERS & STATUS OF THE PROPERTY –
Before settling for any property, do a background study of the developer and make sure that property which you will be buying has no legal issues. Consult a legal adviser for the same who can analyze the financial status of the developer better. As soon as you receive the confirmation from the adviser, you can proceed to the next level of putting in your hard earned money into the property.
KNOW YOUR NEIGHBORHOOD –
Unless and until you won’t spend a considerable time at a particular place, you will not get a proper idea about the locality. Knowing your neighborhood is really crucial. You will get the idea about the crime rate, basic amenities and traffic snarls, if any. Speak to people in the locality and gather as much information as possible.
PROPER VENTILATION –
The increasing levels of pollution in metro cities has forced some people to move out from the place and settle in the vicinity. If you are one among them, check out that the building has allocated enough space for natural light and ventilation.
ARE THE MAINTENANCE COSTS INCLUDED? –
There might come a time, when the agent won’t tell you the ‘actual’ cost and take hidden charges in the form of maintenance. Find out whether the charges for car parking and using other amenities are inclusive of the price quoted. Apart from it, check with the association about the security measures that are in place.
DOES THE BUILDING NEED RENOVATION? –
Check with the agent or an expert architect to estimate the age of the building. Also, consult the developer if anything needs repair or replacement.
If you are in the market for a house, one of the first decisions you have to take will be whether or not to hire a real estate agent. While flying solo may save you a significant amount of commission fee, in most cases the real estate agent benefits fairly compensate the cost involved.
Here’s A Quick Look At A Few Real Estate Agent Benefits
Faster Access To The Latest Market Listings: Real estate agents can give you access to properties as and when they are put up on the market. Agents normally have access to other agents’ listings. This facilitates faster and wider access to the market.
Higher Negotiation Success Rates: Real estate agents have a better chance at negotiating a favorable deal. Being neutral gives them the freedom to be the bad guy in a transaction, without causing bad blood between a buyer and seller.
Save Valuable Time: You do not have to scour the local real estate listings on the internet, or drive around a neighborhood looking for “for sale” signs. All you need to do is tell the agent about the kind of home you are looking for, and the area you prefer to live in. The agent then finds the most suitable properties.
Better Knowledge About Localities And Markets: An agent can be extremely valuable if you have just moved to a new city or town. The agent’s knowledge of the market can help you choose the most appropriate neighborhoods based on access to schools, hospitals, and shopping centers.
Experience Counts: A good agent will help you avoid costly mistakes by informing you about a property’s potential problems such as water seeping through the walls or a ceiling that may soon need replacing. Another of the real estate agent benefits is that an experienced agent will be able to refer you to trusted contacts such as a legal counsel, renovation expert, and an interior designer.
Here Are A Few Downsides Of Hiring A Real Estate Agent
Finding A Good Agent Can Be Very Difficult: Most agents make very few transactions per year, and this information is usually not made public knowledge. You might have to rely on a friend or a company’s recommendation when looking for a good agent.
An Agent’s Incentive May Clash With That Of The Buyer’s: Real estate agents get paid a commission only when a transaction occurs. This means that the agent would want to sell the house as quickly as possible for as high a price as you can afford.
The Buyer Pays For Both The Agents: While it might look like the seller pays the agent’s commission, it is actually the buyer who has to shell out the extra amount. Sellers normally factor in the cost of commissions for the seller’s as well as buyer’s agents when they price their homes.
If you carefully weigh all the real estate agent benefits against the disadvantages, hiring a real estate agent would prove to be a better choice in most cases. The key to successful deal however lies in picking the right real estate agent, depending on whether you plan to buy or sell a property.
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Besides the basic property value advertised by the developer or sellers, buyers invariably end up having to shell out more to meet all the hidden costs of buying a house. Knowing about these expenses can help you prepare a feasible budget when planning to buy a property.
Identifying The Hidden Costs Of Buying A House
Preferential Location Charges (PLC)
Developers usually levy preferential location charges if you are looking for a house with particular preferences such as a particular view, on a particular floor, or in the corner. These charges can range anywhere between Rs. 10 to Rs. 100 per sq. ft., depending on the number of preferences.
Maintenance Deposits
Staying in an apartment or a society involves paying a maintenance fee that covers the salaries of security guards and sweepers, expenses for periodic repairs, and various club fees. Of late, most developers insist on upfront payment for a minimum of 10 years, or for lifetime. Maintenance deposits may vary depending on the amenities provided, but on an average it comes up to 5% of the basic sale price.
Mortgage Costs
If you plan on availing a loan for the purchase, you will incur additional expenses such as processing fee towards the loan, documentation charges, and administrative fee. Mortgage costs vary from 0.35% to 2% of the loan amount, depending on the lending institution.
Registration Costs
Stamp duty comes up to about 5 % to 7 %, while registration fees will cost you another 1 % to 2 % of the basic property value. The legal counsel’s fee will come up to another 1%. Hidden costs of buying a house, such as these, can easily add up to another 7 % to 10% of the property value.
Interiors Cost
Most buyers would want to make a few changes to the interior of their new homes before moving in. Interior costs greatly vary depending on the taste of the buyers. However, an average of 1 % – 2 % of the basic property value should be kept aside for such costs.
Extra Costs Due To Delays
Delay in project completion invariably results in price escalation, and extra interest in cases of loans. Delay also means you have to continue paying rent for the place you currently stay in, and if the property is an investment, you lose rent. Further, tax deductions on home loans are applicable only after the construction of the property has been completed and it has been handed over.
Parking Space
Parking space charges may vary from Rs. 2 Lakhs to Rs. 5 Lakhs, depending on the locality, type of property, and number of parking spaces required. However, in March 2012, the Supreme Court ruled that residential complex developers cannot charge extra for parking space. Unfortunately, most developers subtly include the parking space charges in the overall cost of the property.
Besides the above discussed costs, you might incur further expenses like unpaid civic authority dues, or face indefinite delays due to unapproved plans.
It is always advisable to plan your budget with these expenses in mind, and allocate an additional 20 % to 25 % of the property value to cover all the hidden costs of buying a house.
Get your Society on ApnaComplex – Today! ApnaComplex is India’s most comprehensive web based housing society accounting, management and communication software. It is designed to make the life of residents and owners a lot better by bringing in more transparency and accountability in managing a housing society. Check out the features of ApnaComplex and sign up your society today to get the benefits! We offer a free 30-day trial as well so that you can try before you buy!
Hiring a good real estate agent is the first and foremost step in the process of making a successful and hassle free property transaction, but when it comes to buying property, though, most people discover a little too late that they’re clueless on how to choose a real estate agent.
How do you know if the agent you are looking at is the right agent for you? Here are a few tips to help you pick the best of the lot.
Some Tips On How To Choose A Real Estate Agent
Go For Experience
Find out how many transactions the agent has carried out in the last few years. If your agent has closed more than two property deals a year, it means he or she has more experience to bring on board. Choose experienced agents as they should be able to fluidly guide you through the entire transaction including the loan process.
Make Use Of Referrals
It is always a good idea to shortlist agents with whom a friend or relative has worked before. If your friend was happy with the agent’s work, chances are you’ll also get the same positive results. Ask other agents you interview if they know the other agent, and if they would recommend him or her. Also, don’t forget to check the references that an agent is expected to provide you.
Opt For Local Agents
Ask your agent where he or she lives. A local agent will have a better feel of the market, and will be able to give you relevant information about the community. A good agent should have a fair idea about the neighborhood schools, hospitals, shopping complexes, and other amenities.
Choose Full-Time Real Estate Agents
Most part time agents aren’t likely to give you their best, as their energy and time is divided. It is always a safer bet to go with a full-time agent.
Web Savvy Agents
Choose a real estate agent who is online, as over 85 % of real estate listings are made online. Your agent should be web savvy and must email, text, and be connected on the move. Check if an agent’s multiple listing services (MLS) come up in searches, and if they have professional photos. If not, move on to another agent.
Keep Several Options Handy
Interview several agents before you select the right one. Agents will often tell you whatever you want to hear. Make sure you hire a realistic real estate agent.
Stay Away From Busy Bees
Watch out for signs that the agent is very busy. A hard-working, successful agent is good. Be careful if they are too busy, as they will not be able to give you enough time. If they pass you on to their assistant, move on to another agent.
Test Their Knowledge
Research about the local real estate market, and prepare a list of questions that you expect your agent to know the answers to. If your agent doesn’t know more than you, he or she isn’t knowledgeable enough.
Buyer’s Agent Or Seller’s Agent
If you are in the market to buy a house, choose a dedicated buyer’s agent. If you want to sell a house, choose a dedicated seller’s agent. A dedicated agent will work towards protecting your interests in the transaction, unlike a dual agent, who is set to gain from both the buyer and seller.
These tips should help you understand how to choose a real estate agent – one who can help you find your dream home.
Have more tips to share with us? Let us know in the comments below!
Get your Society on ApnaComplex – Today! ApnaComplex is India’s most comprehensive web based housing society accounting, management and communication software. It is designed to make the life of residents and owners a lot better by bringing in more transparency and accountability in managing a housing society. Check out the features of ApnaComplex and sign up your society today to get the benefits! We offer a free 30-day trial as well so that you can try before you buy!
