Wednesday 25 February 2015

Tips on House Purchase


                                                
House is the place where we spend most of our lifetime. A married person after securing a job or settled in business thinks about having his own house. What aspects he should consider to have his own house is discussed in this article.

The first thing that comes to his mind is whether to have an independent house or a flat in an apartment building. Advantages and disadvantages of an independent house or a flat is to be considered by him and a decision taken.

If he decides to have an independent house, several points are to be considered.


In the earlier days and even now many people prefer to have independent house according to their own requirements, and do not like to live along with others in an apartment building. If we want a BDA site, it takes many years to get a site. Also, the site allotted may be far away or in a place not liked by the applicant. It may not be in the area where we are working or the school where our children are studying. Some people may think that a BDA site is an asset and will fetch good value later. Such people make application to BDA for a site as an investment. The other source to have a site is to become a member of a housing society which is developing or proposing to develop a layout in a suitable location. Scandals in housing societies is common and the price of the site, compared to BDA site, will be higher. Whether the site to be allotted is an approved site, or site formed in a civic amenity site illegally, or in area not approved by BDA, is to be carefully verified. If BDA site or housing society site is not considered, a resale authorized site will have to be purchased .for which market price is to be paid.

If an hereditary house or portion of a house or site comes to their share, whether it is suitable to their present status is to be seen. If not, he has to take another site to build his own house. Some people get a residential site as dowry from in-laws and if it is suitable for them they may decide to construct the house in that site.


If it is decided to take a flat in an apartment building, it is to be decided whether to buy a flat in an apartment in a central area or a new apartment far away from the central area. The apartment in the central area will be costlier, but will be convenient for reaching the work place with good civic amenities.

One more aspect to be considered is whether the plan for the apartment building is sanctioned by the competent civic agency, whether it is built without deviations from the sanctioned plan, and whether it is more or less according to their requirements. The monthly maintenance charges to be paid, whether the apartment is maintained well are the other aspects to be considered.

Location

 Location of a site or flat is to be decided according to the nearness of the work place, or if the children are studying in reputed schools nearness to the school is an important consideration to be kept in mind. The parents like that the school to be nearer to the house to leave the children to school and bring them from school. If the children are sent in a school bus, a lot of time is wasted for picking up or leaving the children living in various places. Some people who attend recreation club regularly may select the house nearer to their club.

Status of the locality in which they require house and the area without criminals, are the other points for deciding the location of house.

Size of the House/Flat

The requirements in an independent house or flat is to be decided before investment. The number of bed rooms required, sizes of the rooms, children's room, guest room, etc and whether they can afford to have bigger built up area, etc are to be decided. If it is decided to get returns from an independent building in addition to their living, whether it should have more than one dwelling unit to let out to tenants, or whether to provide commercial space in the front portion of ground floor or entire ground floor is to be decided. If more than one residential unit is proposed access to the rear unit or to the upper floors through a common / independent staircase, is to be decided while designing  the building.

People, who have only one house and more than one children, will have to think about the sub-division of the room for the children. Whether the portions are to be front and back, or floor wise, or width wise is to be decided. The building design will be according to these requirements.

Architect / Draughtsman

After working out requirements, whether to engage an architect or a draughtsman to prepare the house design is to be decided. Architect's design will be with good elevation, better arrangements of rooms for good internal appearance, no wastage of space, etc. Many people hesitate to pay professional charges to architects. The draughtsman, who may be a retired draughtsman / lower level engineer of PWD or architect's office prepares simple designs according to the requirements of the property owner, and will revise the plans several times till the client is satisfied. Revision of designs several times is not easy when architects are entrusted. The architects feel that the clients are ignorant of architectural principles and try to argue. The charges to be paid to a draughtsman is very less compared to the architect's fees.

Some of the architects do not agree to prepare working plans for deviations from the sanctioned plans or give concurrence for making violations as they are bound by professional ethics according to the bye-laws and regulations of the Council of Architecture. There is the risk of cancellation of registration as an architect and blacklisting by the City Corporation if a complaint is proved for involvement of the architect in violations made not conforming to sanctioned plans.

Ventilation

Provision for natural ventilation is an important requirement in the design of buildings. Of late this requirement is ignored and artificial ventilation is provided in the form of air-conditioning or use of electrical lights during day time. When there is shortage of electrical energy due to heavy demand compared to supply from conventional sources, ignoring natural ventilation in building design is bad. Architects may have to realize this aspect and provide for natural ventilation in buildings.

Privacy

Privacy is required in a house from road side and neighbouring buildings. Within the house also privacy is required. In the common designs, entry to the bed rooms and kitchen is provided from the living room. It is awkward for anyone to go to a bed room when guests are present in the living room. Providing windows of bed rooms towards living rooms is also not correct as they are forced to close the window through out or cover with curtains. Above the eye level ventilators are to be provided in bed rooms towards living rooms. Windows on the outer walls should not be just opposite to the windows of the neighbouring buildings for privacy.

Parking

A garage is to be provided in the back or right side of the building according to Building Bye-laws, or as a part of the building.  In a corner site, it is to be provided in the diagonally opposite side of the road junction. The building promoters get different ideas in the location of a garage. Some want it on the front side to convert it for commercial use to earn rent. Others do not want to provide car parking within the site to utilize maximum floor space, and they are prepared to park the vehicle in front of their house on the roadside. It is common to see vehicles parked on the road side. Required parking space in the ground floor on stilts is the best way to provide car parking space safely and to provide for additional parking space in the future, or for use of tenants.

Vaasthu

In the earlier days, religious minded people used to follow vaasthu principles in the design of houses. Nowadays, vaasthu principles are not relevant as BDA sites do not conform to vaasthu principles like sites should face roads on east or north. Since about two decades, vaasthu principles are being insisted on in the design. Now, every astrologer feels he is a vaasthu expert and is advising his client. This is providing the astrologers additional scope for practice. They create an impression that the house dwellers will have peace of mind and will lead a good life if vaasthu principles are followed. One may like to ask the vaasthu experts whether all those whose houses are not according to vaasthu are suffering, and whether all those who have followed vaasthu are happy. Are not people living happily in developed countries and Islamic countries, where they do not follow vaasthu. But, some people feel when they are in trouble, that for not following vaasthu such a thing has happened.

One Commissioner of Karnataka Housing Board, who is still in service, directed the panel of architect firms to design KHB houses conforming to vaasthu principles. He himself had no belief in vaasthu. But his problem was that many of the buyers of KHB houses verify whether the houses are according to vaasthu. The Commissioner felt that if vaasthu principles are followed KHB will be able to sell more houses.

Gardening

Environment conscious people feel to provide space for gardening in the house. Some of them get good landscape done and enjoy sitting outside in the lawn. In these days of global warming problem such houses with greenery will help in improving the environment. Water available from rain water harvesting may be used to maintain the garden.

Balcony

 Open balconies were not considered for FAR calculations according to earlier master plans. But according to Zoning Regulations of Master Pan -2015 open balconies are also included in the FAR calculations. FAR is calculated by multiplying plinth area and number of floors including balcony and staircase which were excluded in all the earlier zoning regulations. To compensate for deletion of balcony and staircase, additional FAR of 0.25 is given in the Master Plan -2015. The intention for this revision is to simplify FAR calculations, and to stop the violation of covering open balconies and including them as part of adjoining rooms.

Security

Apartments are safer compared to individual houses. Twenty four hours security is provided in the apartments. Concentration of many people in the apartment will provide support to a family in case emergency. The height of the apartment with open space all round will avoid the entry of criminals. Independent houses are risky nowadays as Bangalore has become a large city and housebreaking and thefts are taking place every day according to news paper reports. It is also being mentioned that Bangalore is becoming a crime capital. It is safer to provide strong doors in the outer walls with more than one locking arrangement. Metal grills to the windows and ventilators is a must.

Kitchen and Bath Rooms

In most of the apartments we see dark kitchens and bath rooms without proper natural ventilation. Natural ventilation is required in kitchens to avoid suffocation to house wives during cooking. Bath rooms require good ventilation for healthy conditions. One wall at least of kitchen and bath rooms should be an outer wall where ventilation could be provided. 

Plumbing

Plumbing system requires careful planning to avoid frequent repairs due to corrosion of the G.I. pipes. If the pipes are embedded in the floor or walls with tiles, it is costly to repair the floor and walls and replace the tiles and fittings. In case of apartments this is more complicated in view of the procedure that the lower flat owner has to get the repairs and replacements done in the upper flat where the repairs are necessary. If this is not done, the roof and walls of the lower flat will have dampness which is unhealthy. Many a time the upper floor flat owner delays taking a decision to get the repairs done and will insist that the work should be done as it was before. Misunderstanding between the flat owners concerned is common. It is therefore desirable to use P.V.C. pipes in the new buildings and avoid embedding of pipes.

Conclusion


People should consider all the above facts before having an independent    house or a flat with  good appearance, comfortable, and safe.

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