Residential plots and villas

Yes, plot loans exist, and the terms differ from a home loan on a built unit. Tenure is usually shorter and the loan-to-value lower. We will introduce you to lenders who actually sanction on this corridor.

Your allotment conditions set the construction timeline and there are penalties for overshooting it. Check the specific scheme your plot was allotted under. We will tell you where your file stands before you buy.

Very few, because the sectors are young and occupancy is low. If you want a ready house on this corridor today, Greater Noida is the realistic answer.

Leasehold. The authority grants the lease and its records say who holds it. That is why a resale does not complete until the authority issues a transfer memorandum in your name, and why an agreement to sell on its own makes you a creditor rather than an owner.

A charge payable to the authority, due before the lease deed is executed. On a resale it matters more than buyers expect: your lease rent is calculated on the authority rate prevailing at the time of the transfer memorandum, not the rate the original allottee was allotted at. On a rising corridor that difference is real money and it belongs in the price negotiation.

On the YEIDA corridor, roughly 60 to 2,000 sqm depending on the sector. Greater Noida authority plots run from about 51 sqm to 500 sqm. Sector 20 carries the large parcels for villa builds. Sector 18 has the deepest supply in the mid sizes and therefore the easiest exit.

Stamp duty at 7 per cent for a male buyer, 6 per cent for a female buyer and 6.5 per cent joint, charged on the circle rate or the transaction value, whichever is higher, plus 1 per cent registration. Then lease rent, the authority transfer charge on a resale, and legal and documentation expenses, which are non-refundable. Budget the statutory layer before you shortlist.

Yes. NRIs are eligible under the YEIDA residential schemes and can buy in resale through the same authority transfer process. The difficulty is never eligibility. It is money movement, signatures and tax, and all three are easier to solve before you commit than after.

It does not reach you. Some defects are fixable, and knowing which is which is the whole job: a missing approval in the transfer chain can often be regularised, an undisclosed bank charge can be cleared at closing, and an unresolved title dispute cannot. We will tell you which one you are looking at rather than which one closes a deal.

One per cent of the transaction value, agreed in writing before we start, moving with the size and complexity of the deal. No separate file charge, no success bonus, and nothing payable before you have seen a verified file.