PVR 1 LIC HOUSING FINANCE LIMITED Area Office. House Construction VALUATION REPORT BY PANEL VALUER FOR HOME LOAN

Transcription

1 PVR 1 LIC HOUSING FINANCE LIMITED Area Office. House Construction VALUATION REPORT BY PANEL VALUER FOR HOME LOAN *Name of the Panel Valuer : *Code No. : Date of Inspection : =================================================================== A. GENERAL 1. * File No. 2. * Name of the Applicant 3. Name of the owner 4. Documents produced for perusal 5. * Location of the property Plot No./ S. No./C.T.S.No. /R.S.No. Village/Block No./ Taluk/Ward. District/Corporation/Municipality 6. Whether address of the site tallies with address at point number 5 7. Location Sketch Verified Yes/No 8. Development of surrounding area with Lower class/ Middle/ Upper Middle/Posh Special reference to population 9.. Whether basic amenities like water, electricity, sewerage, roads, telephone are available 10. Any negatives to the locality/property (Crematoriums, slums, riot prone, gases, chemical hazards, nagbana etc) 11. Any favourable consideration for additional cost/value 12. Details of the Nearby Landmark 13. Any other features like board of other financier indicating mortgage, notice of Court/any authority which may effect the security.

2 B. LAND 1. Boundaries & dimensions of the plot Directions Boundaries Dimensions North/Front South/Rear East/Left (side 1) West/Right (Side 2) Total extent of land 2. Do these boundaries & dimensions Tally with the approved drawing? If not furnish details 3. Nature of land use Residential/Commercial/Industrial/Agricultural a. Existing b. Proposed 4. Whether N.A. Permission Required (If required, whether obtained) C. BUILDINGS 1. Building Plan Approval i) Layout planning approval No./ Planning permit No./ Building permission No. ii) Period of validity iii) If validity is expired, whether it is renewed iv) Approval was given by (authority) 2. Plinth/Built Up Area: i) As per approved drawing G.F.: F.F.: S.F.: Total: ii) Actual G.F.: F.F.: S.F.: Total: 3. Estimate i) Cost as per Estimate provided by the Applicant () ii) Cost per Sq ft as per Applicant s estimate ( per sq. ft.) iii) Is estimate reasonable, if not give remarks 4. Marketability of the Property Excellent/Good/Average/Poor

3 D. INSPECTION 1. Construction Details Description As per approved plan As per actual i) Plinth/ Built Up Area ii) F.S.I. iii) No. Of dwelling units 2. Whether the construction is as per approved plan? (Yes/No) 3. Whether there are any Deviations? (Please mention in detail) i) What are the deviations between approved drawing & actual? ii) Whether deviation are minor/ major nature iii) Whether revised approval is necessary 4. Total works completed as Percentage Value per applicant s estimate 5. Whether the Construction carried out / being carried out adheres to the Safety Specifications prescribed in the National Building Code of India 2005? 6. Whether any High Tension Wire Lines are passing through the property and if there is any adverse impact due to this? E. TOTAL VALUE 1. Value of land * 2. Stage value of the building as per applicant s estimate 3. Total value of existing building (1 + 2) 4. Value of building on completion 5. State the source for arriving at Market Value 6. Usage of building- Residential/ Commercial. If commercial, ratio of B/U area (commercial to residential ) As per Application Guideline Value Market Value

4 F. RECOMMENDATION: S.No. Stage of Construction % Progress G. CERTIFICATE I declare that I am not associated with the builder or with any of his associate companies or with the borrower directly or indirectly in the past or in the present and this report has been prepared by me with highest professional integrity. I further declare that I have personally inspected the site and building on. I further declare that all the above particulars and information given in this report are true to the best of my knowledge and belief. Station : Date : SIGNATURE OF THE VALUER Time :Seal Containing Name, Code Number etc. allotted by LICHFL

5 PVR-1 ANNEXURE Valuation of Existing Building 1. Valuation of Building Description Area Unit Rate Estimated market Unit Rate Guide line Value value Land Building GF Rs -- FF. -- SF -- Amenities if any Total Value 2. Year of Construction : 3. Age of the Building and future life : Place : Date : Time : PANEL VALUER

6 PVR-2 LIC HOUSING FINANCE LIMITED Area office. FLAT UNDER CONSTRUCTION VALUATION REPORT BY PANEL VALUER FOR HOME LOAN *Name of the Panel Valuer : *Postal Address with Pin Code : *Code No. : Date of Valuation : A. GENERAL 1. *File No. 2. *Name of the Applicant 3. Name of the Builder/Developer 4. Documents produced for perusal 5. *Location of the property Flat No/ Floor No. Block No./Door No. /Street Name of the apartment Plot No. /S.F. No./T.S.No. /R.S.No. Village/Block No./Taluk/Ward No. District/Corporation/Municipality 6. Location Sketch Verified (Yes/No) 7. Development of surrounding area with Special reference to population (Lower class/ Middle/ Upper Middle/Posh) 8. Whether basic amenities like water, electricity, roads, sewerage, telephone are available 9. Any negatives to the locality/ property (Crematoriums, slums, riot prone, gases Chemical hazards, nagbana etc) 10. Any favorable considerations for addl. value 11. Any other features like board of other financier indicating mortgage, notice of Court/any authority which may affect the security.

7 B. ENTIRE PROJECT 1. Total extent of the land as per actual 2. Boundaries 3. Do the land dimensions at site tally with a) Approved plan? b) Sale deed/sale agreement 4. Whether N.A. Permission obtained 5. Whether Environment Clearance Required If yes, whether obtained (Yes/No) C. DRAWING APPROVAL 1. Layout planning approval no./planning permit no./building permission No. 2. Validity is up to 3. If validity is expired, whether it is renewed? (whether renewal/interim requisites) Plinth certificate/c.c./o.c. is obtained 4. Is plan for residential purpose? 5. Approval was given by (Authority) D. INSPECTION 1. Construction details Sl. Particulars No. i) No. of Blocks/Building ii) No. of storey /Floors iii) Total built up area (sq.ft) iv) Total Carpet area v) No. of dwelling units vi) Plot coverage vii) Floor space Index (FSI) viii) TDR 2. Overall Quality of Construction (Excellent / Good / Average / Poor) 3. Cost of land i) Unit Rate ii) Market Value iii) Guideline Rate iv) Guideline Value 4. Cost of Land+TDR 5. Construction Cost of the project 6. Total Cost of the Project (Land + Const.+ all other Charges) As per approved plan/as per rules As at site at the time of inspection

8 i) Unit Rate ii) Market Value iii) Guideline Rate iv) Guideline Value 7. State the Source for arriving at Market Value 8. Rate per sq ft for construction : 9. Water r esources : 10. Sewerage System : 11. Electricity Connection : 12. No. of Lifts : 13. Date of Commencement of project : 14. Proposed date of Completion : 15. Whether construction is as per approved plan (Yes/No): 16. Deviations i) What are the deviations between approved drawing & actual? : ii) Whether deviations are minor/ major in nature? iii) Whether revised approval is reqd. 16. Progress of work i) Entire project Block wise progress and floor wise progress 17. Whether the Construction carried out / being carried out adheres to the Safety Specifications prescribed in the National Building Code of India 2005? 18. Whether any High Tension Wire Lines are passing through the property and if there is any adverse impact due to this? E. FLAT UNDER CONSTRUCTION 1. Sale deed i) What is the undivided share of land as per sale deed.(if applicable) ii) Value of undivided share of land / Sq. ft.) iii) Whether applicant s UDS is in proportion to his Built up area to total

9 built up area iv) If no, what should be the correct UDS 2. Construction agreement i) Specification of the flat Roof Flooring ii) What is the Built up area of the flat? iii) What is the carpet area of the flat? iv) Cost of flat as per construction agreement.) 3. Genuineness of rate i) Total cost of flat (1 (ii) + 2(iv)) ii) Composite rate per Sft. (3(i)/2(ii)) iii) The above rate is genuine? (Considering the amenities available) iv) If no, what is the genuine rate? v) Marketability of the Property (Excellent/Good/Average/Poor) (Sq. / Sq. ft.) F. VALUATION 1. Stage of Works Completed Percentage Value Value of undivided share of : Land as per sale deed (if applicable) 3. Total stage value of flat : as on date (2+3) 4. Usage of the Building (Residential / Commercial- if commercial- ratio of commercial & residential) G. RECOMMENDATION: S.No. Stage of Construction % Progress H. CERTIFICATE I declare that I am not associated with the builder or with any of his associate companies or with the borrower directly or indirectly in the past or in the present and this report has been prepared by me with highest professional integrity. I further declare that I have personally inspected the site and building on. I further declare that all the above particulars and information given in this report are true to the best of my knowledge and belief.

10 Station : Date : Time : SIGNATURE OF THE VALUER Seal Containing Name, Code Number etc. allotted by LICHFL

11 PVR-3 LIC HOUSING FINANCE LIMITED AREA OFFICE VALUATION REPORT BY PANEL VALUER FOR HOME LOAN *File no. *Name of the Valuer: *Code Number: Date of Inspection: Valuation for Completed Building Scheme: Purchase/ Renovation /Griha Vikas 1. PROPERTY DETAILS: a) *Name of the Applicant b) Document perused c) *Location of the Property Survey Number Block No. /Village Ward No. /Taluk District/Municipality/Corporation d) Location Sketch verified Yes/No e) Boundaries and Dimensions North/Front South/Rear East/Left(side 1) West/Right (side2) Extent f) Type of the property Flat/Bunglow/Row House/Duplex g) Occupant Vacant/Occupied If Occupied, Name of the Occupant If rented, list of occupants h) Usage of the Building Residential / partly commercial / fully commercial (Explain ratio of each type) i) Details of the Nearby Landmark : j) Development of surrounding area with Lower class/ Middle/ Upper Middle/Posh Special reference to population k) Whether basic amenities like water, electricity, roads, sewerage, telephone are available l) Any negatives to the locality / property (Crematoriums, slums, riot prone, gases Chemical hazards, nagbana etc) m) Any favourable considerations for addl value n) Any other features like board of other financier Indicating mortgage, notice of Court / any

12 authority Which may affect the security? 2. DRAWING a) Whether the approved drawing is available? b) Approval No. & date c) Whether the construction is as per approved plan? (Yes/No) d) What are the deviations between approved drawing & actual? e) Whether deviations are minor/ major in nature : 3. BUILDING DETAILS a) Marketability of the Property Excellent/Good/Average/Poor b) Age of the Building c) Future Residual life expected d) Floor Space Index i) As per Approved Plan/as per rule ii) Actual e) Specification i) Foundation ii) Roof iii) Flooring f) Quality of Construction (Exterior & Interior) g) Whether the Construction carried out / being carried out adheres to the Safety Specifications prescribed in the National Building Code of India 2005? h) Whether any High Tension Wire Lines are passing through the property and if there is any adverse impact due to this? 4. VALUATION DETAILS (Exclude the value of items for which the estimate for improvement / renovation have been submitted by the applicant) a) Value of the property (if it is a house) Description Area Unit Rate Estimated market value Unit Rate Land Building GF Rs Guide line Value -- FF. -- SF Amenities --

13 if any Total Value State the source for arriving at the Market Value b) Value of the property (if it is a flat) a) Undivided Share of Land(if applicable) b) Built Up Area of the Flat c) Adopted unit composite Rate d) Estimated Value of the Flat i) Unit Rate ii) Market Value iii) Guideline Rate iv) Guideline Value e) State the source for arriving at the Market Value f) Add for extra amenities if any 5. ESTIMATE FOR IMPROVEMENT (If applicable) a) Description of improvement works as per applicant s estimate b) Amount estimated by the applicant for the improvement works () c) Whether the estimate submitted by the applicant is reasonable? d) If not, what would be the reasonable estimate () 6. PROGRESS OF WORK (If applicable) Value of improvement works completed Sl. No. Description of work Amount incurred as per Applicant s estimate Valuer s opinion Total 7. Estimated Value of Property After Above Improvements : 8. Remarks If Any

14 9. CERTIFICATE I declare that I am not associated with the builder or with any of his associate companies or with the borrower directly or indirectly in the past or in the present and this report has been prepared by me with highest professional integrity. I further declare that I have personally inspected the site and building on. I further declare that all the above particulars and information given in this report are true to the best of my knowledge and belief. Station : Date : Time : SIGNATURE OF THE VALUER Seal Containing Name, Code Number etc. allotted by LICHFL

15 PVR-4 LIC HOUSING FINANCE LTD. VALUATION REPORT BY PANEL VALUER FOR HOME LOAN AREA OFFICE 1. PURCHASE OF RESIDENTIAL PLOT A) General : a) *Application No. b) *Name of Customer c) *Address of Property d) Plot No. e) Village / Block No. / Taluk / Ward f) District / Corporation / Municipality g) *Details of nearby Landmark B) Inspection: a) The boundaries of property are as under: North / Front East / Left (side 1) South / Rear West/ Right( side 2) b) 1) Location sketch verified YES / NO 2) Survey No., Village, Taluk 3) Character of locality Residential / Commercial / Agricultural / Mixed [Pls. Specify] 4) Lay Out Approval by (Authority) Layout Planning Approval No. 5) Development of surrounding area with Lower class / Middle / Upper middle / Posh special ref to population 6) Whether basic amenities like water, YES / NO electricity, roads, telephone are (If No, feasibility can be commented) available 7) Level of plot relative to road 8) Shape of plot Regular / Irregular [pls specify]

16 9) Plot/Land demarcated, with proper boundaries YES / NO If NO pls specify 10) Any other features like board of other YES / NO(Pls Specify) financier indicating mortgage, notice of Court/any authority which may affect the security. 11) Approximate width of plot on the road In Metres / Feet facing side 12) Is it a corner plot YES / NO. If YES pls specify the access roads 13) Any negatives to the locality/ property YES / NO If YES pls specify [crematoriums, slums, gases, effluents / explosives, chemical hazards, nagbana etc] 14) Any favourable considerations for addl cost/value 15) Marketability of the Property Excellent / Good / Average / Poor 16) Whether the plot has clear access YES / NO. If No pls specify 17) Whether any High Tension Wire Lines are passing through the property and if there is any adverse impact due to this? 18) Area of plot in sqft 19) Land Value Unit Rate Market Value Guideline Rate Guideline Value 20) Acceptable Mortgage Value Pus/minus market value (with reasons) 21) State the source for arriving at Market Value 22) Other remarks C) CERTIFICATE I declare that I am not associated with the builder or with any of his associate companies or with the borrower directly or indirectly in the past or in the present and this report has been prepared by me with highest professional integrity.

17 I further declare that I have personally inspected the site and building on. I further declare that all the above particulars and information given in this report are true to the best of my knowledge and belief. Station : SIGNATURE OF THE VALUER Date : Time : Seal Containing Name, Code Number etc. allotted by LICHFL PVR-5 LIC HOUSING FINANCE LIMITED Area office. House Construction SUBSEQUENT VALUATION REPORT BY PANEL VALUER FOR HOME LOAN *Name of the Panel Valuer : *Code No. : A. GENERAL 1. *File No. 2. Previous report date and reference no. 3. *Name of the Applicant 4. Date of inspection 5. * Location of the property 6. Plot No./ S. No./C.T.S.No. /R.S.No. 7. Village Block No. / Taluk / Ward. 8. District / Corporation / Municipality B. INSPECTION 1. Construction Details Description As per approved plan As per actual i) Plinth area ii) F.S.I. iii) No. Of dwelling units 2. Whether the construction is as per approved plan? (Yes/No) 3. Deviations (Please mention in detail) i) What are the deviations between approved drawing & actual? ii) Whether deviation are minor/ major nature

18 iii) Whether revised approval is necessary 4. Whether the Construction carried out / being carried out adheres to the Safety Specifications prescribed in the National Building Code of India 2005? 5. Whether any High Tension Wire Lines are passing through the property and if there is any adverse impact due to this? C. TOTAL VALUE as per Application Guideline Value 1. Value of land * 2. Stage value of the building as per applicant s estimate 3. Total value of existing building (1 + 2) 4. Value of building on completion Market Value D. CERTIFICATE I declare that I am not associated with the builder or with any of his associate companies or with the borrower directly or indirectly in the past or in the present and this report has been prepared by me with highest professional integrity. I further declare that I have personally inspected the site and building on. I further declare that all the above particulars and information given in this report are true to the best of my knowledge and belief. Station : Date : Time : SIGNATURE OF THE VALUER Seal Containing Name, Code Number etc. allotted by LICHFL

19 PVR_6 LIC HOUSING FINANCE LIMITED Area office. Flat Under Construction SUBSEQENT VALUATION REPORT BY PANEL VALUER FOR HOME LOAN *Name of the Panel Valuer : *Code No. : A. GENERAL 1. *File No. 2. Previous inspection date & reference no. 3. *Name of the Applicant 4. Date of inspection 5. *Location of the property i) Flat No. ii) Floor iii) Block No. iv) Door No./Street 6. Name of the apartment B. PROGRESS OF WORK 1. Entire project Block wise progress and floor wise Progress 2. Applicant s flat Stage of works completed Nature of works to be done C. INSPECTION 1. CONSTRUCTION DETAILS

20 Sl. Particulars As per approved No. plan/as per rules i. No. of Blocks/Building ii. No. of storey /Floors iii. Total built up area (sq.ft) iv. Total Carpet area v. No. of dwelling units vi. Plot coverage vii. Floor space Index (FSI) viii. TDR 2. Whether the construction is as per approved plan? (Yes/No) As at site at the time of inspection 3. Deviation i) What are the deviations between approved drawing & actual? ii) Whether deviation are minor/ major in nature iii) Whether revised approval is necessary 4. Whether the Construction carried out / being carried out adheres to the Safety Specifications prescribed in the National Building Code of India 2005? 5. Whether any High Tension Wire Lines are passing through the property and if there is any adverse impact due to this? D. VALUATION i) Percentage of works completed ii) Value of works completed as per agreement iii) Value of undivided share of land as per sale deed (if applicable) iv) Total stage value of flat as on date (2+3) v) Total Cost of the flat E. CERTIFICATE I declare that I am not associated with the builder or with any of his associate companies or with the borrower directly or indirectly in the past or in the present and this report has been prepared by me with highest professional integrity. I further declare that I have personally inspected the site and building on.

21 I further declare that all the above particulars and information given in this report are true to the best of my knowledge and belief. Station : Date &Time: SIGNATURE OF THE VALUER Seal Containing Name, Code Number etc. allotted by LICHFL