Why Home Loan Is Not Available In South Delhi

 Why Home Loan Is Not Available In South Delhi

 Why Home Loan Is Not Available In South Delhi. Delhi mein apna ghar lena har koi chahta hai. Lekin jab log South Delhi (specially Chattarpur, Mehrauli, Sultanpur, Gadaipur, etc.) mein flat dekhte hain toh aksar ek cheez sunne ko milti hai – Loan available nahi hai

Major Reasons Why Home Loan Is Not Available in South Delhi

1. Lal Dora / Unauthorized Colonies

South Delhi ke kai areas abhi bhi unauthorized colonies mein aate hain.
Yahan ki properties DDA ya MCD approved nahi hoti.
Isi wajah se banks in areas mein loan approve nahi karte.

2. Registry Problems / GPA Properties

• Bank sirf registry properties par hi loan deta hai.
• South Delhi mein kai flats sirf GPA (General Power of Attorney), Agreement to Sell ya Leasehold ke through bikte hain.

3. Builder Floor Complications

South Delhi mein zyada tar properties independent builder floors hoti hain.

• Kai baar ek hi plot par bina sanctioned plan ke multiple floors bana diye jaate hain.
• Agar title clear nahi hai, ya floor-wise ownership properly registered nahi hai, toh loan reject ho jaata hai.

4. Missing RERA / Govt Approvals

Naye projects ko legally bechne ke liye builder ke paas RERA registration aur proper authority approvals (MCD / DDA sanctions) hone chahiye.
Agar approvals missing hain, toh bank loan nahi deta, kyunki property legally secure nahi hai.

5. Bank Panel Restrictions

Har bank ke apne approved projects aur colonies hote hain.

• Agar aapka flat bank ke panel mein listed nahi hai, toh woh loan sanction nahi karenge.
• Iske liye buyer ko “bank-approved colony/project” check karna zaruri hai.

Regularization of 69 Colonies in Progress

Delhi sarkar aur DDA ne abhi kuch time pehle 69 affluent colonies ko regularize karne ka plan start kiya hai. Is list mein Chattarpur ke kuch parts bhi included hain.

Iska matlab yeh hai ki jo colonies pehle unauthorized ya non-regularized consider hoti thi, unhe ab legal recognition mil raha hai.

Lekin abhi yeh process poora complete nahi hua hai.
Jab tak regularization 100% complete nahi hota, banks loan ke liye wait karte hain.

Property Lene Se Pehle Dhyaan Rakhne Wali Baaten

South Delhi ya kahin bhi property kharidne se pehle kuch basic cheezein check karna jaruri hai. Agar aap yeh points follow karte ho toh aap safe aur legal deal karoge:

1. Registry aur Title Check

• Property ka registry paper properly verify karo.
• Ensure karo ki title clear hai aur koi legal dispute pending nahi hai.

2. Loan Availability

• Hamesha check karo ki kya property par bank loan facility available hai.
• Agar loan available hai toh iska matlab hai ki documents clear hain.

3. Government Approvals

• Dekho builder ke paas MCD/DDA approvals aur RERA registration hai ya nahi.
• Approval hone ka matlab hai ki property future mein secure rahegi.

4. Location & Connectivity

• Metro, market, schools, hospitals aur daily needs ke liye location ka survey zaroor karo.
• Achi connectivity wali property ka future value zyada hota hai.

5. Builder Reputation

• Agar builder floor ya project le rahe ho toh builder ka track record check karo.
• Dekho ki unhone pehle ke projects timely deliver kiye hain ya nahi.

6. Legal Advisor / Property Expert Ki Help Lo

• Agar documents samajhne mein dikkat ho, toh ek trusted property lawyer ya real estate consultant ki help lena smart choice hai.

Phone No. 9871057424, 7428577424

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