Tax/PID

HI Karthik,

WRT Tax payment and PID,

Has the govt announced the tax for april08 to March09? I was told by BBMP that it will be announced in FEB.

Siva 108/A

Re: Do you know your PID ?

thanks for the Good link Ranjat,

Dear Kethanites,

If you have already paid your tax you can check it in the katha/tax paid certificate itself which states the PID number clearly.

Regards
Karthik

On Wed, Jan 28, 2009 at 10:00 PM, ranjat mishra <ranjatm@gmail.com> wrote:

Hi All,

 

Find the link below to check your PID (Unique Property Identification Number), with refer to which you can pay the Property tax

http://www.bmponline.org/propertytax/pid1.asp?currentPage=7&id=54&wardid=83&streetadd=KAGGADASPURA

--
Regards,
Ranjat K Mishra
09742274952

House Tax

Is the house tax date announced. I have checked in the BBMP office last week and they said it is still not announced and expected by FEB 2009. ( for period 2008 April to march 2009)

Sivakumar

108A

House Tax

Please pay house tax immediately to avoid late fees....

SBI loan transfer

Dear Kethanites,

I met Mr Rajiv, BM, SBI. Following details are seems to be encouraging:

- Processing fees waived
- No guarantor required
- Finally agreed ROI for balance transfer 10%.

Other details whoever require please ring me.

thanks and Regards
Karthik

Meeting Invitation:

Our first General body meeting for this is year 2009 is scheduled on 01/02/2009 Sunday @ 3.00 to 5.00 PM.

We would request eveyone to participate in it.

Thanks,
Sushil, President, KEAOA

Handing Over

Today (25/01/2009), we met our new office bearers team (President, Secretary & Treasurer) at 12 Noon and handed over all the association related things to them, they are

· Water Supply & Sewerage board file
· Generator set File
· BESCOM file
· Elevators related file
· General Correspondence file
· A cheque book comprises 5 Signed cheques (094106 to 094110)
· Letter pad book
· Seal & Rubber stamps
· Voucher books file
· Rupees 3232/- cash
· 3 New voucher book
· 7 closed receipt book and 3 running receipt book

The old team has done all the necessary transfer to new team, still if there is any further help, the new team can feel free to contact any of us anytime.

Thank you for all your help, support and co-operation, without your help we wouldn’t have been completed successfully like this. Thanks again!

We are officially coming out by today (25/01/2009) & we would like to take this opportunity to wish "All the best" to our new team

Regards,
Mr. Krishnakumar, Mr. Dhureen babu & Mrs. Aslam

DUES PENDING:

Thank you for the one who already paid the dues, but still the following people dues are pending!

Corpus fund dues:

• G3-B (1ST corpus fund)- Rs.1000/-
• 101B - Rs.1000/-

Maintenance Dues:

• G3B (May & June) - Rs.2000/-
• 101B (Aug & Sep) - Rs.2000/-
• 107B (Oct & Dec) - Rs.2000/-
• 401A (Dec) - Rs.1000/-

Please pay the dues within this month 31st Jan 2009. Those who failed to make payments within this month Rs.250/- fine would be collected along with the payments. The same point would be brought into our association meeting and a final call would be taken based on the collective ideas.

Final Account while handover

Account details have been handed over to the new committee. Mr Nandakumar has taken over charge as the new treasurer along with all receipts, vouchers, passbooks and cheque books upto 25th Jan 2009. the accounts upto 25th Jan 2009 have been posted and can be reviewed for your persual.


Thanking You

Mehtab Aslam
B-202

Thoughts about ICICI

Hi Sachin/Ranjat,

thanks for your thoughts.I agree it might be of help. I also learnt that you can pay some amount and convert your loan profile to enjoy the interest rate as if you are a new member.

However, for almost 2 years since I started paying the loan, I noticed following about ICICI bank:
- Highest interest when compared to all other banks
- Raises interest as soon as RBI announces increase in the interest rate, other banks takes time including HDFC
- Be the last to reduce, that to very considerably when RBI decreases. I noticed atleast 3 months is taken by ICICI to respond to reduction.
Also I managed to pre pay some amount last year, inspite all that, the reduction of loan amount after paying for close to 2 years excluding my pre payment is less than 1 lakh, which is very shocking for me. This is all because of high interest rate. Even when we pre pay or increase the EMI the rate has the maximum say.

Moreover I am looking forward a reduction of atleast 2% if I convert. I also learnt HDFC is giving 9.75% when compared to 10.25% of SBI, but I still want to stick to public sector banks like SBI [RBI has 60% stake] or IDBI so that I can have healthy and trustable relationship which I didn't felt anytime with ICICI during the terms. Comments are welcome from others too.

In the mean while I cross checked the worthiness for the conversion using the following the link
http://www.apnaloan.com/loan-advice-india/transfer-exisitng-loan-calculator.html
I request Amarjit, Shiva, Balaji to check your conversion worthiness. I am planning to visit nearby SBI at 1:00 PM tomorrow, please let me know when anybody wants to join.

Best Regards
Karthik [101 A]

Home Loan transfer to SBI

Hello Karthik,

I came to know you were trying for me regarding the loan transfer. Also, on the blog there are querries abt the loan transfer process. Anyways here I am to convey you that I have transfered my home loan from ICICI to SBI. As you have already said the documents required from the bank and the borrower i wont discuss abt it. But yes, for me the bank (SBI CV Raman Nagar) asked for interim gurantor i.e. when the loan is sanctioned and a draft is issued the bank needs to have a gurantor as they would be receiving the documents from the bank on a later date. I should also mention abt the financial evaluation of the flat and the documents needs to be done by the persons nominated by SBI. Also, I had to approach the RACPC office of SBI Main Branch as they would call you over there for the later formalities like issue of DD and submission of bank documents. So best of luck for all who are in a process and if i can be of any help i would be more than happy.

Regards,

Vijay G5-A

Docs required by SBI

Hi Amarjit/Shivakumar,
Good to know your interest in this conversion process. I am currently in touch with SBI bank manager in our area, Kaggadasapura. Following are the documets are required:
From Bank:
1. list of document held with ICICI2.A/c statement for 1 year and loan outstanding certificate3. Sanction letter4. Photocopy of all property document submitted to ICICI5. original tax paid for current yr.
From us:
1. Identity proof, ( passport/PAn/DL/ Electrol ID card) any 1.
2. Residence proof( passport/ telephone/electricy/gas bill/employer letter) any 1
3. original salary slip / certificate for last 3 mnths
4. IT returns (Form 16 & acknowledgement of IT dept.) for 2 yrs.
5. statement of Bank A/c for last 6mnths.
6. 2 recent passort size of both of account holder(s)
7. any 1 who has taken loan from SBI name of the branch, & their advocate name.
(this one is already provided to SBI BM)
8.khatha & tax paid
ICICI bank requires atleast 10 working days to give all the documents. So please go ahead and raise a service order for procuring the documents.
Write me for any clarification.
Thanks and Regards
Karthik

Takeover of Home loan by SBI

Do you want SBI to contact you? http://www.commonfloor.com/promotions/sbi.html

 

Congrats WINNERS

Congrats to all the winners and the new team. All the best

Sivakumar
108-A

SBI Loan Transfer

Hello Mr.Karthik,

     I am also interested to know more about this home loan transfer procedure from ICICI to SBI. I agree with you that the rates in ICICI are very high compared to other banks.  Please let us know if you have any other information in this regard.

Thanks

Shivakumar

G-2, B-Block

General Body Elections 2009 Results

Thank you for showing interest towards our voting system and voted through the same. We have facilitated couple of ways to vote, One is through online and the other is manual method. Since our secretary was elected unopposed, the voting system was available for only 2 positions, PRESIDENT & TREASURER. Please find below the results in detail

Mr.Sushil – 13 Votes (Manul voting)
Mr. Ramanamoorthy- 0 Votes (Manual Voting)
Mr Nanda – 13 Votes (Manual Voting)
Mr.Ranganath-0 Votes (Manual Voting)

Mr.Sushil – 11 Votes (Online Voting)
Mr. Ramanamoorthy- 10 Votes (Online Voting)
Mr Nanda – 15 Votes (Online Voting)
Mr.Ranganath-5 Votes (Online Voting)


Mr.Sushil and Mr.Nandha has won with a major vote difference over Mr.Ramanamoorthy and Mr.Ranganath. the following Office bearers team has formed with immediate effect (18/01/2009).

PRESIDENT: Mr. Sushil Sandilya
SECRETARY: Mr. Raghavan G.V
TREASURER: Mr.Nandakumar

Pease join hands with me in Congratulating our new team.

Regards,
Krishna, Xpresident, KEAOA

Home loan interest rates

Dear Mr Karthik,
I am also interested in switching over to some other bank from ICICI for homeloan. When I contacted SBI, they wanted an interim Guarentor for the full loan amount till the disbursement is made. Sbi offers very low rate compare to ICICI. You may also include me in your group for switching over to new bank
Varadaraj, G7,Block A

Accounts

Please find the attached accounts statement as of JANUARY 17th for your perusal.Supporting documents and bills are with me and anyone is welcomed for the inspection and can obtain clarifications w.r.t to expenditure incurred and income derived.Request all of you to please access the link "Accounts Till Date" on our blog and you can see the Income & Expenditure Account.

Regards

Mrs Aslam
Flat 202, A Block

General Body Elections 2009

TWO MORE DAYS FOR OUR ELECTION

As you aware our general body election date is 18/01/2009. On that day our blog would be accessed only by its registered members, you will have to type in your credentials to get in till 2 PM. The election system would open till 2 PM as well.

You can directly go ahead and vote, the system is highly transparent and you would get to know the results while voting. If you don’t have a computer or internet can come down to our association room @ 11.00 AM to 1.00PM to vote.

GENERAL DEMOCRATIC GROUND RULE WOULD BE

1. ONE VOTE PER FLAT
2. OWNER(S) CAN PROXY IT WITH YOUR TENANTS,
3. ONLY REGISTERED FLATS OWNERS/TENANTS CAN VOTE

DUES PENDING:

As you aware, our accounts are with our internal auditor, based on his findings we found the following dues are pending. Hope you would understand and help us by paying the bills within our due dates.

Corpus fund dues:
· 303-A - Rs.1000/-
· G3-B (1ST corpus fund)- Rs.1000/-
· 104B - Rs.1000/-
· 101B - Rs.1000/-

Maintenance Dues (Pending):

· 303-A (Aug) - Rs.1000/-
· G3B (May & June) - Rs.2000/-
· 101B (Aug & Sep) - Rs.2000/-
· 104B (Sep) - Rs.1000/-
· 107B (Oct & Dec) - Rs.2000/-
· 301B (Dec) - Rs.1000/-
· 401A (Dec) - Rs.1000/-

Please pay the dues within this month 31st Jan 2009. Those who failed to make payments within this month Rs.250/- fine would be collected along with the payments. The same point would be brought into our association meeting and a final call would be taken based on the collective ideas. Please contact our President/Treasurer for any further clarification.

Regarding renting association room

Since we are now busy with our election work and other activities...we couldn't spend time on it. If it is a concern, please raise it in our meeting, we will address it. Most probably our new association would address this problem.

Thanks & Regards,
Krishnakumar

Home Loan

Dear Kethanites,

 

I somehow lost the thread of home loan related mail. Want to know how ICICI home loan takers manage the current interest rate. The current interest rate for me is 13% after reducing from 13.5% :-(. It is still very high when compared to other banks. Check the below link for the current interest rates.

http://www.deal4loans.com/Interest-Rate-Home-Loans.php

 

The SBI bank and IDBI seems to be offering the lowest interest rates. I want to know whether any of Kethanites has managed to get loan from SBI? Thanks for inputs from Mr. Krishna who got loan from IDBI. I am planning to do a balance transfer to any of these banks. There will be loss of approximately 2.5% which is composed of 2% for ICICI closing/conversion rate and 0.5% for processing fees for my new bank. As per my calculation I should be able to tolerate this loss if I switch from 13% to 10.75% easily. And from next year onwards it should start paying me the benefits. If anybody else are planning then we should apply as a group and get benefits on processing fees and if possible in interest rates. Please write me if any of you are interested.

 

Thanks and Regards

Karthik

 

Regarding renting association room, I would like to share some concern/views with other members.
This will lead to the outside vehicle, persons coming in our premises. This is a security threat. This is quite dangerous for our small kids playing in common area. Specifically if the room is used as a storage place and for this outside tempo and labour will be visiting the premises routinely.
Also If I remember correctly, some time back we have conducted the opinion poll regarding the renting of this room which was rejected by most of the members.
Instead of renting it out we can develop the room which can be used by any of the member for conducting parties/get-together. The association can charge nominal fee from member for this purpose.
More than the income from the room, the security concern shall be priority.

Kishore B Jadhav
206/Block-A

Fwd: Empty room rented out

---------- Forwarded message ----------
From: dhureen babu <dhureenbabu@gmail.com>
Date: Jan 12, 2009 5:24 PM
Subject: Empty room rented out
To: kethanaenclave.postmessage@blogger.com

Dear All,

As per the meeting we had yesterday, attended by president,Treasurer,secretary & members of the association, it has been decided to rent out the empty room beside the security quarters near the A block lift as store room, The tenant will be paying 1000/- per month as rent and security deposit of 3000/- will also be collected. This will be extra income for the association.

regards

secretary

KEAOA

Small correction

There is a small correction in our general body election date, its on 18/10/2009, sunday.

Nomination & withdrawal

The last date of nomination and withdrawal would be 10/01/2009, So any nominations & withdrawal message would not be considered post 10/01/2009.

KEAOA

Regarding Nomination

Dear All,
I am very much thankful and appreciate the members for nominating my name for the post of KEAOA treasurer. I did attend the meeting and conveyed my wish that i wont be able to give due justice to any of the KEAOA board position. With due respect and my humblest apology to all the members, I request to withdraw my name from the nomination. I will surely continue to take the responsibility as the member of the association.

Regards,
Vijay (G5-A)

Withdrawal of Nomination from the Role of Generel Secretary

Hi All,   This is Mrs. Balaji. First of all I would like to express my sincere appreciation and gratitude to people who have shown trust in me and nominated my name for the post of general secretary. Having said that, I would like to withdraw my name from the nomination, as I would not be able to invest my time, energy and do justification to the role. I am always welcome to take any maintenance responsibility as member of governing body, but would not like to contest for the role of General Secretary.   Please accept this mail as my withdrawal from the nomination.   Thanks and Regards Srilatha Balaji

MLA’s Visit

Our MLA Mr.Raghu is now inspecting our area right from “SS Paradise” and the following points are already conveyed to him and he assured us to take care of everything

1. Drainage
2. Cauvery Water
3. Street Lights
4. Roads in front
5. Link to Malleshpalya main road and so on….

Unnisankar, John, Santhosh, Basvaraj, Mrs.Krishnakumar, our treasurer Mrs.Aslam, Vijay’s mom & Mrs.Bharathi are representing our apartment and explaining the situation.

Now they are discussing in our "Meeting room" with our MLA.....

The Stones infront of "M.H.Stores" to disturb the "Nazhi work progress" would be thrown away immediately with officials and the work would be resumed any moment is one update!!

Remaining updates (if any) would be posted once the discussion is over.

MOM - Annual meeting 2008 / 4th General body meeting

As scheduled, we had our “Annul meeting 2008” and “4th general body meeting”, Meeting started exactly by 7:40 PM and ended by 8:30 PM, Our association president organized it & approximately 35% attendance overall and around 70% from executive and official team.

The synopses are as follows:

Sync up...

· Money in hand: 95K, would be more than lakh this month
· Accounts up to dateness
· Infrastructure cleanness
· Pump replacement
· Water logging issues
· Road & street lights & Boundary issue(s) with our close by apartment
· Cauvery water refund (paid bills so far)
· Balaji layout community activity
· Accounts auditing – Mr.Sachin would probably help us this time.

What we have done in 2008 as a leadership team

· Almost all services with minimal maintenance fee (700 & 1000 Rupees)
· Space between 2 blocks are covered and permanently prevented from rainwater dipping
· Car parking issue closed
· No leakages & seepages
· Electricity transfer done for more than 50% of our residents
· AMCs for lifts, generators and so on…
· Notice boards & Name board
· Garbage boxes and alternative dates pickup
· Periodic cleaning of our sumps and overhead tanks
· Transparent Account maintenance with around 1 lakh surplus money in hand

Plus challenges like pumps got collapsed more than 8 times, drainage issues more than 3 times and many a times servant maid issues are faced.

Office bearer’s election 2009

This time, as a healthy move more people are showing interest and energy towards our association and as a result more than 5 nominees for president, secretary & treasurer are already enrolled, they are

1. Mr. Sushil Sandilya – 303/B -- President Nominee
2. Mr. Ramanamurthy 301/A -- President Nominee
3. Mr. Raghavan 104/A – Secretary Nominee
4. Mrs. Balaji 107/A – Secretary Nominee
5. Mr. Vijay – G5/A – Treasurer Nominee
6. Mr. Nanda kumar – G4/B -- Treasurer Nominee
7. Mr. Ranganath – 306/b -- Treasurer Nominee

More nominees are expected this week as our “deadline falls on 10/01/2009” & the same day would be our withdrawal date. You can nominate yourself or others over email – kethanaenclave@gmail.com; Our general body elections are scheduled as of now by 18/01/2009, those who are away from Bangalore can vote over web.

Suggestions/comments/ideas are always welcome.

Note: Only registered members would be in a position to vote over web, if you didn’t register please act fast now, helpline numbers are: 9880707541 / 09000567541

Meeting invitation:

Tomorrow (03/01/2009) evening, we will have our 4th general body & annual meeting 2008! Since our agenda is very important, we would request everyone to participate.

Agenda:
1. Sync up (20 Minutes)
2. Our first year achievement (20 Minutes)
3. Office bearer’s election 2009 – Discussion (20 Minutes)

30 Minutes buffer if incase any important points to be discussed in detail.

Venue: Our meeting room
Time: 7:30 to 9:00 PM

We regret for a last minute call.

Thanks in advance,
President, KEAOA