Buyers Guide FAQs

We have a fully committed customer care service team that is available to you 7 days a week from 8:30 a.m. to 7:30 p.m. You may contact them by phone at +918988831888 or by email at sales@sameeragroups.com.

To purchase a property from Sameera Lands Constructions, you must first complete the following steps:

  • Visit our website and look for the property you’re looking for.
  • Choose a property that suits your criteria and submit an inquiry.
  • Visit the chosen property with one of our property consultants.
  • Close the deal. Our team will take care of all legal paperwork, arrange home loans (if needed), and work with the bank on all
    documentation.

Yes. We have partnerships with some of the country’s biggest financial service institutions, such as HDFC, ICICI, AXIS Bank, etc.
to make it easier for our customers to buy their preferred property.

The following are the general eligibility requirements:

  • The borrower must be an Indian citizen or an NRI.
  • At the start of the loan, the borrower must be over the age of 24.
  • When the loan matures, the borrower must be under the age of 60 (65 if self-employed) or retired.
  • Proof of Identity: PAN, Driving license, Aadhar Card, Voter ID.
  • Proof of Income:
    • Salaried Applicants: The latest three-month wage slip with all tax deductions and Form 16 for the previous three years
    • Self-Employed Applicants: IT returns for the last two years and income computation for the previous two years, as validated by a CA
  • Bank Statement: Having all transaction details from the last six months
  • Guarantor Form (Optional)

Aside from other factors and lending bank regulations, the home loan amount is often estimated as approximately 30 to 65 percent of gross income. Individuals who add a co-applicant can raise the loan amount.

When purchasing a home, it is critical to make sure that the following documents are in order:
Sales Agreement: It is the first document drafted in advance of a property transaction. It includes a full description of the property as well as the details of the agreement between the buyer and seller, including the agreed-upon purchase price.
Sale Deed/Title Deed: A sales deed is a document, while a title deed is a concept. When a sale deed is registered, it provides legal proof that the title to the property has been shifted to the buyer’s name. The sale deed becomes a title deed in this capacity. A sales deed is thus also a title deed. It must be registered at the office of the sub-registrar based on the judication of the property.
Title Search Report & Legal Scrutiny Report: These documents contain a historical record of the title of the property and provide an accurate legal description of how the property has been transacted over time as well as any Encumbrances involved in the transaction that may adversely affect the title of the property, so you can be confident that you are investing in a legitimate property. It includes a description of the property as well as the names of the title holders, joint tenancy, and so on. It is incredibly significant when requesting a home loan.
Patta Certificate: This is a legal document issued by the Tahsildar’s office in the name of the land’s present owner. It is a necessary record for claiming land ownership. The patta document is required for any transactions involving the property in question. Owners of apartments will have a joint-patta because the land is shared by multiple owners.
Receipt of Property Tax: The property tax receipts show that the previous owner or occupier paid all taxes and none remained unpaid. They also establish the property’s legal status and thus serve as an important piece of evidence.
Encumbrance certificate: This certificate proves that the property is free of all outstanding debts or loans. It is a necessary document for obtaining a loan against property from a bank. It contains all of the information about property transactions.
ompletion Certificate (Newly Constructed): A completion certificate contains all of the building’s details, such as its location, identification of the land, information about the developer/owner, the building’s height, and the quality of materials used. It also specifies whether the project was built in accordance with the building plans and the rules and regulations established by the local municipal authority, such as the distance from the road and the distance maintained between neighboring buildings, among other things.
Commencement Certificate (Under-Construction Property): A Commencement Certificate is a document issued by the local municipal authority that establishes the legitimacy of a real estate project and authorizes the developer to begin construction. Before finalizing a deal for the purchase/sale of a property, property owners must obtain this document from developers to cross-examine. Failure to do so can result in a large financial loss, as the absence of this document when purchasing residential property indicates illegal property or disputed land. The document guarantees the owner clear title, dues, and clearances.
Conversion Certificate (If Agricultural Land Is Covered to Non-Agricultural): A conversion certificate is a document that is issued after the agricultural land is converted into non-agricultural land. Agricultural land cannot be used for residential, commercial, or industrial purposes without taking permission from the concerned authority.
Occupancy Certificate: The municipal corporation issues an occupancy certificate or completion certificate following the construction of a building to establish that it was built according to a sanctioned plan and is ready for occupancy. Statement from the bank if loan outstanding: If a loan is outstanding on the property being purchased, it is advisable to obtain the loan statements to ensure complete disclosure.
Non-Objection Certificates: It is critical to request copies of various NOCs that must be obtained from various departments namely the Sewage Board, Pollution Control Board, Environment Department, Traffic & Coordination Department, and so on. This serves as an ‘indication of disapproval’ for the building’s construction. Sanctioned Building Plan by Statutory Authority: This is to ensure that buyers are wary of any discrepancies from the developer’s approved plan.
Power of Attorney (Optional): If anyone acts on behalf of the property’s owner, an original Power of Attorney is required. It could be general or specific.

The buyer must pay the following taxes:
TDS or Tax Deduction at Source: The TDS rate is 1% for property purchases. There is no need for a surcharge or a secondary and higher education cess (SHEC). If the property seller does not possess PAN or does not quote PAN, TDS at the rate of 20% would be deducted.
Stamp Duty & Registration Charges: Registration charges and stamp duty are critical components of property ownership. Throughout property registration, the state government enforces a charge and stamp duty on the property. These costs depend on the state. Tamil Nadu is known to have a higher stamp duty than other states in India, which is 7% on the market value of greater value property, and registration charges are 4% on the market value of greater value property.
GST (Goods and Services Tax):Buyers of under-construction housing units, apartments, and bungalows pay 1% GST on affordable housing and 5% GST on non-affordable housing. There is no GST on the sale of land.

  • Original copies of the chain of title deeds and Building Plan approvals
  • Original registration and stamp duty receipts
  • Possession Letter
  • Original share certificate (In case of societies)
  • Proof of payment of all dues such as maintenance fees, electricity bills, phone bills, water bills, and property taxes up to the date of possession
  • NOC from the Society or other concerned body confirming that there are no objections to the transfer

If you have submitted your requirements between 9 a.m. and 6 p.m., you will receive a call back from us within 10-15 minutes of making your inquiry. Otherwise, we will contact you the next day.

  • The corporation’s or the sanctioning authority’s office can confirm project approvals.
  • The Sub Registrar’s office where the documents are registered can confirm ownership.
  • Share certificates for societies can be authenticated with the Society itself.
  • Sale Deed
  • No Objection Certificate (NOC) from builder
  • NOC from banks
  • Building Plan Approvals
  • Completion Certificate
  • PAN Card
  • Photograph

Real Estate Regulatory Authority registration is required for all real estate developments and agents (RERA). Real estate projects must be registered with RERA before any sales can take place. All ongoing and planned projects whose land size exceeds 500 sq.m or whose planned construction includes more than 8 apartments, inclusive of all phases, is subject to these rules. A promoter is required to post information about the planned project, including registration information, the types of apartments or plots they have reserved, a list of the approvals they have received, etc., on the RERA website. In the event of any default from either party, the promoter or the buyer will both be required to pay interest at the same rate. Similarly, all real estate brokers, middlemen, and dealers must be registered with TNRERA.

  • Original copies of the chain of title deeds and Building Plan approvals
  • Original registration and stamp duty receipts
  • Possession Letter
  • Original share certificate (In case of societies)
  • Proof of payment of all dues such as maintenance fees, electricity bills, phone bills, water bills, and property taxes up to the date of possession
  • NOC from the Society or other concerned body confirming that there are no objections to the transfer