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Querry Dear sir, Am planning to buy a plot at shahapur in asangaon with vmc developers,as this is not a na plot and devloper had promised us that they will get the plot na. pls let me know is it ok to buy this plot as it is at installment basis and also let me know the document needed to cross check befor purchasing the plot,how much time will it take to get a na certificate. thanks & regards Santosh Mishra 989262809
  Santosh Mishra
  santosh772510@rediffmail.com
Answer

It is always suggested to buy any property with the right documents only. Ask the developers to get the things done before buying the property.

For checking the legality of the property you need to check with the Developers Sale Deed and the links (Past registration Deeds and documents) for the last fifteen Years, cross check the details stated in the documents with the EC. For selling the plots the developers must have a approved Lay out copy signed by the competent authority.
   
   
   
 
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Loan Amount (INR)    
Interest Rate (%)    
Period in Years    
Banks and Interest Rates
BankRate of Interest
ICICI Upto 30 Lacs 8.75%
30 - 50 Lacs 9%
Above 50 Lacs 9.50%.
Bank of Baroda Base Rate 8%
Below 30 Lacs 9.00%
Above 30 Lacs 9.75%.
AXIS Upto 30 lacs 8.75%
Above 30 lacs 9.25%
Fixed 14%( Irrespective of loan type and amount)
SBI Base Rate 7.50%
Upto 50 Lacs 8% for First Year
2nd & 3rd Year 9%
Above 3 Year 1.75% above Base Rate.
Andhra Bank Base Rate 8.25%
Upto 20 Lacs 9.75%
Above 20 lacs 10.50%
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