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Noida Extension is all set to become Delhi NCR's next budget

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					Vol.-01 | Issue-4 (Weekly) | October 29, 2010 | Pages-08 | Noida, Gr. Noida, Ghaziabad, Indirapuram, Vaishali, Vasundhara, Kaushambi & Shalimar Garden


    Noida Extension is all set
    to become Delhi NCR’s
    next budget housing hub
 F
        irst there was the Mayur          the developed sectors of Greater     first 10 kms likely to become
        Vihar extension. Then             Noida and Noida.                     operational within the next
        we heard about Raj                The nomenclature being used for      three months. A 60 m road
 Nagar extension. And now it’s            the area is Noida Extension. This    connect from NH 24 also
 Greater Noida’s turn to do some          is to differentiate it from both     passes through the area.
 stretching. Technically Greater          Noida and Greater Noida, and         This stretch is almost ready
 Noida’s Sector 1, this area is all set   also to make it clear to potential   (work on 1.5 kms needs to be
 to give a tough fight to projects        home buyers that it’s close to       completed). “A 100 m wide
 coming up in Noida, especially           Noida and not as far as Greater      commercial belt is planned on
 those in sectors 121 and 119,            Noida.                               one side of the 130 m road as
 primarily in terms of price and                                               per the Master Plan 2021,” says
 location. Several builders have          The new projects coming up
                                          here are located adjacent to         Mukul Singhal, CEO, Greater
 been allotted land here for                                                   Noida Authority.
 constructing residential units ¬         Noida’s Sector 121 and face
 both high- and low-rise structures.      the 130 m road now known as          Metro connectivity is com-
 Commercial and corporate                 the Noida-Greater Noida Link         ing here soon, too, with the
 activity is also planned for the         Road. This stretch is current-       Delhi Metro Rail Corporation
 area as rates are less compared to       ly under construction, with the      Ltd (DMRC) having sent a
                                                                                                Cont.. Page-3
                                                                                                                            Friday Property Info, Delhi, 29 October 2010   2

                                                                        PRoPERty UPDAtE

  tenure has Bearing on EMI Amount
ASHISH GUPTA outlines some             years. This way, the monthly EMI         the present as well as the future
factors you need to take into          payments will be lower. Although         income of the borrower. The
account while borrowing a home         the amount of interest paid will be      borrower should be able to repay
loan                                   higher as compared to other options,     his EMIs without compromising
Repayment of a loan taken to buy       you can have the benefit of availing     significantly on his quality of
a house is through EMIs (equated       the loan for a longer period of time.    life. The cash flows available after
monthly instalments). EMIs are         However, if you are borrowing at         repayment of EMIs should not
the fixed instalments a borrower       the end of your earning years, say       entail a dent in his living standards.
needs to pay over the tenure of the    around the 50s, you will have to opt     As such, a judicious planning of
loan, to repay the debt as well as     for a shorter tenure.                    cash flows is required.
the related interest to the bank.      The longer the tenure higher the         tax sops
Usually, the EMIs remain constant      interest rate because of the increased   Tax considerations should not
over the tenure of the loan.           risk of the bank. However, the           be overlooked. You should
Arriving at EMI                                                                 avail the maximum tax benefits
To put it in simple terms, the loan      to put it in simple terms, the         available under the Income Tax
amount plus the interest on the          loan amount plus the interest          Act. Presently, interest up to Rs
loan through the tenure, divided         on the loan through the                1.5 lakhs per annum paid on a
by the tenure of the loan (in            tenure, divided by the tenure          housing loan is deductible from
months) gives you the EMI. The           of the loan (in months) gives          the taxable income of a person.
amount of EMI to be paid depends         you the emi                            This translates into a saving of
on amount of loan, tenure, rate of                                              Rs 45,000 per annum on the tax
interest, and mode of calculation                                               front. No other tax avenue offers
                                       EMI is lower because the loan and        a better opportunity than this. An
of interest.                           interest are spread over a longer        asset creation is partly financed by
tenure significant                     period of time. The shorter the          tax sops.
One of the important parameters        tenure, lower is the interest rate
                                       because of the reduced risk of the       Accordingly, a borrower should
governing the amount of EMI is                                                  structure the housing loan amount
the tenure of the loan. Nowadays,      bank. However, in this case, the
                                       EMI is higher because the loan           and tenure so that the annual
you can avail a loan for various                                                interest component paid in the
tenures - from five years up to 20     and interest are to be repaid over
                                       a shorter period of time.                near future is Rs 1.5 lakhs per
years - and in a few cases, up to 25                                            annum. Of course this would be
years as well.                         Income                                   contingent on other factors as well
If you decide to borrow early, at      The income of the borrower               such as the annual income and
a younger age, you can opt for         also matters. This includes both         savings potential.
a longer tenure loan -15 to 20


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 3     Friday Property Info, Delhi, 29 October 2010

                                                                                  DElhI/NCR
Contd.. from Page-1
detailed project report (DPR)          Amrapali and Gaursons India             and three categories of three-BHK      15- 20 days. Construction will be       terms of connectivity because
to the Greater Noida authori- ty       Limited.                                apartments: 1,270 sq ft, 1,405 sq      spread over four phases. It will take   of the proposed metro line and
proposing the route for Phase 1.       Gaursons have been allotted 130         ft and 1,480 sq ft. There will be      us about five years to develop the      the infrastruc- ture development
As part of this phase the Metro is     acres to develop a township. “This      15-20 storeys on offer. The flats      entire town- ship. The Cooperative      in the area,” says R K Arora,
expected to con- nect the Sector       is perhaps the first township that      are priced at Rs 16 lakh onwards.      Group Housing Scheme will be            chairman and managing direc- tor,
32 City Centre to Barolla, the         has been allotted by the Greater        Besides apartments for retail, plots   delivered in the next 27 months,”       Supertech Group.
Expressway, Pari Chowk and             Noida Industrial Development            are being offered                      adds Manoj Gaur, joint man-             There would be both high rises
Knowledge Park 4, covering a           Authority,” says Rahul Gaur,                                                   aging director of the group.
                                                                               to Cooperative Group Housing                                                   (plus- 15 storeys) and low rises
total of 29 kms. Phase II of the       managing director, Gaursons India                                              The Supertech group has also            (plus-five storeys) in the Eco
                                                                               Societies (CGHS) where “we are
project will connect Knowledge         Limited.                                                                       launched Eco Village, a project         Village and it’s to be completed in
                                                                               offer- ing tailor-made apartments
Park 4, sector I in Greater Noida                                                                                     that’s spread over 50 acres. It will
                                       Besides residential, the township       for govern- ment and PSU                                                       four phases, the first one getting
and Noida sectors 71, 72 with the                                                                                     be constructed in two phases and
                                       will also have commercial and           employees,” says Gaur.                                                         over in 15 months. “We hope to
Sector 32 City Centre.                                                                                                is expected to be complete in 30
                                       institutional areas. Almost 45 acres    The township will also comprise a                                              complete the formalities within
Metro connectivity to the area is      have been left as green areas.                                                 months. On offer are one- to
                                                                               stadium offering facilities such as                                            one month and construction will
expected in the sec- ond phase.                                                                                       four-BHK apartments with areas
                                       Saviour, another developer, is a        football, cricket and badminton        ranging from 550 sq ft to 2,275         begin in the first week of May,”
There is a reason- able expectation
                                       partner in the project.                 academies      besides      schools,   sq ft. The cost of the apartments       says Arora.
that it will come up soon,” says
                                       The housing products on offer           hospitals, multiplexes, hotels and     start at Rs 9.75 lakh “Noida            According to Anil Sharma, CMD,
Singhal.
                                       are three types of two- BHK: 915        offices. “We will open the retail      Extension will become the next          Amrapali Group, which has its
Developers who have been given                                                 sale of residential units within       preferable destination soon in
                                       sq ft, 1,060 sq ft and 1,175 sq ft                                                                                     Amrapali Smart City project here,
land in this area include Supertech,
                                                                                                                                                              “We have been given 100 acres and
                                                                                                                                                              plan to build 6,000 housing units
                                                                                                                                                              right from 500 sq ft to 1,700 sq ft.
                                                                                                                                                              The focus is on affordable homes.
                                                                                                                                                              There will be 2,000 low-rise
                                                                                                                                                              apartments and 4,000 apartments
                                                                                                                                                              in 15-storey structures. Costs of
                                                                                                                                                              the apartments will range from Rs
                                                                                                                                                              9 lakh to Rs 30 lakh. Construction
                                                                                                                                                              will begin in April. The first phase
                                                                                                                                                              comprising 3,000 apartments will
                                                                                                                                                              be delivered within two years.”




housing and Urban Poverty
Alleviation Ministry Gives
Final shape to “Slum Free India”
UPA-II’s           ambitious     final shape to other crucial    slums,       redevelopment,
programme to make the            aspects    like     financing   rehabilitation           and
nation slum-free within          pattern, contribution of the    constructing new houses
five years is all set to take    Centre, states and the model    after factoring in the views
off as the housing and           for PPP.                        of concerned stakeholders,
urban poverty alleviation                                        states and the expert
                                 Prior to unveiling the
ministry has finalised the                                       committee, which is headed
                                 scheme, the ministry had
scheme, and how now sent                                         by Deepak Parekh.
                                 asked the state government
                                                                             The       ministry
                                                                             constituted the
                                                                             expert        panel
                                                                             to        estimate
                                                                             “reliable” urban
                                                                             slumpopulation.
                                                                             As      per     the
                                                                             c o m m i t t e e ’s
                                                                             findings, around
                                                                             93.06       million
                                                                             people will live in
                                                                             slums in cities by
                                                                             next year. Faced
                                                                             with funds crunch,
                                                                             the ministry has
                                                                             sought supports
                                                                             of           banks,
                                                                             other     financial
                                                                             institutions and
it to finance ministry for
                                 to chalk out an action plan     the real estate sector to use
approval. Last year, the
                                 for slum-free cities, and       its interest subsidy scheme
government had announced
                                 sanctioned Rs 120 crore for     for construction of houses
the launch of Rajiv Awas
                                 it. Besides, slum-free city     for urban poor. “There is a
Yojana (RAY) aimed at
                                 planning, the states were       need for credit enhancement
making cities slum-free,
                                 asked to frame legislation      through appropriate fiscal,
addressing the problems of
                                 to accord property rights       legal and institutional
slum-dwellers and urban
                                 to slum-dwellers, and also      mechanism to ensure the
poor in a definitive and
                                 formulate detailed project      flow of capital to realize the
holistic manner. With the
                                 reports for the release of      vision of slum free India,”
sanctioned budget of Rs
                                 funds. The ministry has re-     housing and urban poverty
1,270 crore for the current
                                 drafted the RAY scheme          alleviation minister Kumari
fiscal, the ministry has given
                                 to focus on upgrading           Selja said.
Friday Property Info, Delhi, 29 October 2010   4
5   Friday Property Info, Delhi, 29 October 2010
                                                                                                                                                                                          Friday Property Info, Delhi, 29 October 2010                                     6

                                                                                                     DElhI/othER
                                                                         Protecting Properties of NRIS
The government must do more                                   the property.”                         “It is not a matter that is only              properties of NRIs, who remain                            fear that somebody would grab
to safeguard the properties of                                We all know that a person residing     considered in respect of wealthy              out of India for many years. I have                       their properties in their absence,”
NRIs in India and laws must be                                outside India can hold immovable       NRIs. There is a great need to                seen that people encroach upon                            Alimuddin Rafi Ahmed says.
made stringent to deal with land                              property in India acquired by way of   make our laws more stringent                  the land or properties of NRIs as                         Legal experts say that if NRIs
grabbers who usurp their assets,                              inheritance from a person resident     so that nobody dare try to grab               they know nothing would happen                            inherit property in India, they
says VIVEK ShUKlA                                             in India. There are thousands of       properties of anybody through                 to them. The cumbersome process                           must take proper care of those
Recently, there was shocking news                             properties that NRIs inherit and       forged documents or through                   of our law is such that it takes long                     properties. One has to go for proper
in a leading daily which highlighted                          which are not attended properly        other illegal means,” Devinder                to get justice even if you live in                        legal documentation process. They
the plight of a Zambiabased                                   in India. It is                        Gupta, head of Century 21 India               the country. If you live away from                        must also pay the municipal and
teacher whose house was grabbed                               really a problem                                                                                                                               other taxes through cheques and
by his own sibling.                                           area as a large                                                                                                                                photocopies of those should be
The case pertained to a Meerut-                               number of NRIs                                                                                                                                 kept in a safe place. Moreover,
born teacher who was settled                                  complain during                                                                                                                                one should not give wide power
in Zambia for several years and                               Pravasi Bharatiya                                                                                                                              of attorney with unlimited powers
had purchased a house in the                                  Divas       (PBD)                                                                                                                              to friends or even relatives. If a
name of his mother. A couple                                  sammelans that                                                                                                                                 power of attorney has to be given,
of month after he returned to                                 efforts should                                                                                                                                 it could be for a specific purpose of
Zambia, he got a message from a                               be made so that                                                                                                                                maintenance and protection of the
friend informing him that there                               such properties                                                                                                                                property. It should not grant the
was a flurry of activity in his new                           are guarded from                                                                                                                               power to sell, nor agree to sell.
house. A new floor was apparently                             dubious people                                                                                                                                 However, Chandrasekhar Tiwari,
being constructed over his house,                             who go all out                                                                                                                                 an expert on NRI matters, said that
without his knowledge to boot.                                to grab them                                                                                                                                   it has become a habit of NRIs to
When the teacher inquired of                                  with the help of                                                                                                                               criticize anything and everything
his mother, she told him that his                             strongmen.                                                                                                                                     related to their own country.
younger brother was building the                              Top government                                                                                                                                 “They have to understand that if
second floor. And one can imagine                             officials routinely                                                                                                                            they do not look after their own
the shock of the teacher over this                            assure NRIs that                                                                                                                               property on a regular basis, who
news. But he was helpless to take                             their grievances                                                                                                                               else would take care of that. As
any remedial measures.                                        would           be                                                                                                                             and when they come here they
According to Arun Mohan, a                                    addressed - and                        says.                                         it, then only god can help your                           slam the Indian system as though
noted lawyer specializing in the                              the whole matter is forgotten once                                                   cause.”                                                   it were a clockwork world where
                                                              the PBDs are over. According           Santokh Chawla, a Dubai-based
realty sector, succession and                                                                        NRI with interests in amusement               “I feel that if we make our                               they currently reside.”All said and
ownership matters: “It is advisable                           to Arun Mohan, “Shady people                                                                                                                   done, there is a need to address
                                                              make a survey of properties which      park business, says: “I can tell              laws stringent with respect to
that they [NRIs] ask more than                                                                       you from my own experience that               inheritance of properties, many                           the genuine concerns and issues
one friend or relative to take care                           are lying unattended and on which                                                                                                              of NRIs. After all, they are Indians
                                                              taxes are not being paid. Such         while the government asks NRIs                more NRIs would invest in the
of their property. If it is a house,                                                                 to invest in India in a big way, they         realty sector. Many of them fear                          and invest here.
a nameplate engraved on the wall                              properties are more likely to be
                                                              grabbed by unscrupulous people.”       do precious little to safeguard the           investing here as they always
would go a long way in protecting


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  7    Friday Property Info, Delhi, 29 October 2010

                                                                      GhAzIABAD / othER

                                         Developers Moving towards Ghaziabad
Ghaziabad was a tehsil of Meerut         of Uttar Pradesh’s most developed       Indirapuram, including areas near      the Hindon river bridge. This           for hi-tech cities in Ghaziabad.
until November 14, 1976, when            cities. The city is regarded by City    Dilshad Garden border, Apsara          township, coming up over more           The Ghaziabad Development
it was made a district. Growing          Mayors and Newsweek as the              border, Loni border and NH 24          then 150 acres, has 15 developers       Authority is quite bullish regarding
by leaps and bounds, the city has        2nd and 6th fastest developing          to NH 58 will be the focus of          with each of them coming up             the infrastructure development
not looked back since then, and          city in the world, respectively.        development and in the city. One       with a slew of affordable housing       in the city and nearby areas. An
is today one of the hottest realty       The city has well-planned roads,        can see major developments by          projects. The SVP Group has two         equal stress is also being given
destinations in the NCR. A K             malls, flyovers and the Metro           SVP Group, Supertech, Antriksh,        residential projects, Gulmohar          to have sustainable and planned
TIWARY writes                                                                                                                                                   development.
After Noida, Greater Noida and                                                                                                                                  The government is encouraging
Gurgaon, it is the right time to                                                                                                                                tree plantation and energy-efficient
invest in Ghaziabad, which is                                                                                                                                   buildings and technologies in
developing into a hot destination                                                                                                                               the construction in this area.
and is also known as the gateway                                                                                                                                Considering the developments
of Uttar Pradesh. The budding city                                                                                                                              taking place in Ghaziabad, one
is slated to have multiple projects                                                                                                                             cannot doubt that the region
like a number of shopping malls,                                                                                                                                will sport a completely different
multiplexes, and residential and                                                                                                                                look in the near future. Major
commercial development. Keeping                                                                                                                                 construction work is taking place
the pace of development and                                                                                                                                     on NH 24 and NH 58 and offers a
rising demand, a lot of developers                                                                                                                              large number of residential options
and builders are moving towards                                                                                                                                 in the affordable and luxury
Ghaziabad, which is 19km east                                                                                                                                   category. SVP Group also has a
of Delhi and 46km southwest of                                                                                                                                  luxury project Villa Anandam
Meerut.                                                                                                                                                         on NH 58. The project with 198
The city is the headquarters of the                                                                                                                             villas will be spread over 12 acres.
Ghaziabad district. Initially, it was                                                                                                                           Before November 14, 1976,
part of the Meerut district after                                                                                                                               Ghaziabad was a tehsil of Meerut
Independence but now, it is a full-                                                                                                                             district. Then chief minister N
fledged district.                                                                                                                                               D Tiwari declared Ghaziabad a
The city gets its name from its                                                                                                                                 district on that date and from that
founder, Ghazi-ud-din, who                                                                                                                                      time there was no looking back
named       it     Ghaziuddinnagar.                                                                                                                             for this city - be it on the social,
Later, the name was shortened to                                                                                                                                economic, agriculture or the
Ghaziabad. It is a large industrial      connectivity.                           Assotech, among others, which          Garden over 15 acres and Krishna        industrial front.
city and is well connected by roads      From the historical cultural,           have big projects right in Mohan       Garden on 6 acres, both having          Ghaziabad lies on the Grand
and railways. It has multifarious        mythological and archaeological         Nagar, the entry point of Ghaziabad    nearly 1,400 residential units.         Trunk road about a mile east of
industries      like    maintenance      point of view, Ghaziabad is a           city. SVP Group’s is developing the    According to the Master Plan            the Hindon river. Other roads
depots of electric locomotives           prosperous city. This has been          Gulmohur Greens, which is spread       2021, the total population of           lead northwest to Loni and
and EMU trains, manufacture              proved from the research work           over 23 acres. This is a complete      the city is expected to be nearly       Baghpat and east to Hapur and
units of railway wagons, bicycles,       and excavations carried out at          residential project with around        23 lakh. As per the plan, about         Garhmukteshwar. Buses operate
tapestries, glassware, pottery, paint    the mound of Kaseri on the bank         1,200 residential units, which         6,975 hectares would be utilized        at frequent intervals from here
and varnish, heavy chains, etc.          of river Hindon, 2km north of           include flats, villa apartments and    for residential use, 491 hectares       to Delhi, Meerut, Aligarh,
Also, it has an ordnance factory         Mohan Nagar, showing remnants           three-tier penthouses with terrace     for commercial, 1,933 hectares          Bulandshahar,           Moradabad,
at Muradnagar while the Bharat           of a flourishing civilization here in   gardens and pools. SVP also has        for industrial, 501 hectares for        Lucknow, and to other districts
Electronics limited manufactures         2,500 BC.                               a commercial project, Gateway          office, 1,201 hectares for public       as well. It is an important
defence products.                                                                Mall, spread over 6 acres at Mohan     and utility services, 2,484 hectares    junction on the Northern Railway
                                         Cut to the present day, the city        Nagar.                                 for parks and entertainment, and        where railway lines, from Delhi
Once notorious for the staggering        is going to have a 360 degree
rate of crime and law and order                                                  From here, when one starts moving      nearly 1,392 hectares for roads,        to Kolkata, Moradabad and
                                         development in all segments                                                    bus depots and railways. In order       Saharanpur meet, connecting it
problem (it had been ranked third        including commercial, residential,      towards Ghaziabad City, you
on the list of world’s most crime                                                will see one of the first affordable   to facilitate technology-oriented       with many important cities across
                                         office space, education and                                                    growth, the plan also allocates         India.
infested cities sometime in the early    industrial. Places like Raj Nagar       projects of the NCR, the Raj
1980’s), today, the city stands as one                                           Nagar Extension, after crossing        nearly 2,185 hectares of land
                                         Extension, Kavi Nagar, and


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Published by: Fore Media Communication Pvt. Ltd., 68, Himalaya Apartment, Patparganj, New Delhi- 110092, Printed by: B.F. Pvt. Ltd., Patparganj, New Delhi- 110092 Editor: Mr. A.K. Suman,

				
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