Buy a flat at Wakad & convert your white money into black!

If you want promotion, you have to spend a night with me:

Most of you know me as a Pune real estate blogger.
But, I am not only a blogger, anymore.

Yes, I started as a blogger.
But, now, I am more of an advisor.
Advisor about buying a home in Pune real estate market.

Most of my time is dedicated to offer advice over the phone - 919860044110.
Free advice (3 minutes). Paid advice (More than 3 to maximum 30 minutes).
Result is I write less and talk more.
Talk about serious issues involved in buying a home.
Like a builder's demand for black money!

The builder is asking for cash.
Not 40 per cent of the property price.
Just 2 lakh rupees.
In fact, not for the flat.
But, for the parking.
The caller said and asked,
"What should I do, Ravi? Should I pay Rs. 2 Lakhs in cash?"

"Are you asking a question?," I said.

"Yes!," the caller said.

"But you sound as if you are convincing me! Who is the builder? What's the name of the project?," I asked.

"That's not important! Should I pay 2 lakh in cash?," the caller said.

"Yes. You are right. Builder & project is not important. But whether you trust me or not is. You don't want to take the name of the builder & project because you don't trust me. Right?," I said.

"I trust you. That's why I am asking you," the caller said.

"Agreed. Then what is preventing you from mentioning the name of the builder?," I asked.

"I feel ashamed....guilty. Don't feel proud about paying cash. I fail to understand......How can a good builder make an indecent demand?," I asked.

"You are good. The builder is not. You are ethical. You get upset because of the builder's immoral demand. Did the builder sound guilty while demanding 2 lakh cash?," I asked.

"No! He put it as a matter of fact. As standard term of transaction. When I took an objection. The builder said - everyone who has booked a flat - has paid 2 lakhs in cash. No one took objection," the caller said.

"You are not like others....that's the problem.....the builder threatened you....if you don't pay 2 lakh in cash....I will not give you a flat.....Right?," I said.

"Yes. The builder threatened me. The builder abused me by taking disadvantage of his dominant position. That's what I didn't like - abusing - threatening!," the caller said.

"You know that paying cash is unethical...immoral.....illegal. You have guts to take a stand against - threat - abuse. Then - why are you asking me - should I pay 2 lakh in cash to the builder?," I asked.

"Because the property is worth considering. Location is good. At Wakad. Near Bhumkar Chowk. First phase of the project is ready. Possession started. A few flats - in the second phase - all 2 BHKs - are available for booking....90 per cent construction is over. Possession is in June 2015. Price of a 2 BHK is okay - 59 lakhs - all inclusive - by cheque + 2 lakhs in cash. Plan is good. Only 4 flats per floor. Carpet is 679 - 680 sq.ft. Room sizes are good. Living - 12 x 18. Kitchen - 8 x 10. Dining - 8 x 6. Common Bedroom - 10 x 12. Master Bedroom - 11 x 13. Master toilet - 8 x 5. My wife liked the plan - the location.  If there was no demand of 2 lakh cash - I would have booked the flat immediately," the caller said.

"Does't look like some newbie or local builder!,' I said.

"No! The builder is in business for more than 25 years. The builder gives possession on time - after getting completion & occupancy certificate.  Completes society formation & conveyance. Doesn't collects exorbitant maintenance charges at the time of possession. You know? The parking - for which the builder is asking 2 lakhs in cash - is 10 x 12 feet in size....in the basement.....already marked - allocated -  with a flat....will be mentioned in the agreement," the caller said.

"How is the quality of construction?," I asked.

"That's the important point! Since the first phase is complete - I could see the finished property - as well as - I could see & inspect the construction quality. The  building in which I am booking -  is 90 per cent ready - internal work is going on. The construction quality is good," said the caller & told what he liked about the property -

I liked 2 things - 1) all door frames are wooden! 2) all toilets, kitchen platforms & flooring - are covered after they are ready - installed - so, I will be the first person to use them. No construction worker can use my commode -  toilet - when the building is under construction.

The building is clean. No stink of urine. No shit - no poop - in any corner.

But, I didn't understand one thing - the builder doesn't plaster - with sand & cement - internal walls - ceiling  - except at certain areas  near toilets - just apply a coat of gypsum. Why?

When I asked the site engineer -  he said - Gypsum plaster is enough on fly ash brick walls. Looks good.

But, wherever necessary - near electrical points - door frames - corners of the rooms  -  they use mesh for bidding & preventing cracks.

"You know? This info has convinced me that I am getting good value for my money. But not so about 2 lakh cash. I fail to understand the stupid demand. I have visited a couple of projects in Wakad - but nobody asked for cash. Why is the builder - who is doing good work - making such a shitty demand? Do you have any idea?," the caller asked.

"Builders' general reason is landlord! Landlords demand cash!!, I said.

"What about those who give sanctions & approvals? Do they take bribes by cross cheque or demand draft?," the caller asked.

"True. Have you seen a heading in a property price list - bribe per sq.ft. - along with VAT, Service Tax, Stamp Duty & Registration charges? All bribes paid in cash are covered in the property price - MSEB Charges - Legal Expenses. Right? ," I asked.

"Means, when I buy a flat, I become a part of a corrupt system. Then what is the point in getting upset about 2 lakh cash?," the caller said.

"Yes. You are right. Like direct & indirect tax - you are differentiating - direct & indirect corruption - direct & indirect crime, And you are not happy about committing direct crime. Right?," I said.

"Yes! I eat mutton But I prefer to buy branded dressed mutton. I can't buy a live bakra, kill, cut, cook & eat," the caller said.

"Are you Brahmin?," I asked.

"No. I am a good human being," the caller said.

"That's the problem! What do you do when a rickshawala demands a few rupees more than the meter?," I asked.

"I tell him - go to hell," the caller said.

"Your builder is not doing anything different! Why are you hesitating to tell him to go to hell? ," I asked.

"That's what I am wondering! May be - because of my wife - I am hesitating. She liked that flat - very much," the caller said.

"Is she working?," I asked.

"Yes. At Hinjewadi," the caller said.

"Good. Then ask her - what would she do - if her boss says -  If you want promotion, you have to spend a night with me - only one night!," I said.

"My wife says - look at it as a tip - the builder is a waiter - 2 lakhs is a tip," the caller said.

"Means - for her paying 2 lakhs is not a big issue," I said.

"Yes. she is from Delhi. At Delhi, the cash component is very high," the caller said.

"Means for her - paying 2 lakh cash - is as good as - pinching a butt - fondling breasts. Right?," I asked.

"My wife says - this is insignificant - not a serious offence - Itna to chalta hai," the caller said.

"It means that if the builder fondles her - she won't mind - but you will. Right?," I asked.

"No. Both of us would mind," the caller said.

"Same about 2 lakhs in cash for parking," I said.

"Yes," said the caller.

Curious to know - why did the caller find it difficult to say "No" - I visited the project & shot a few photos. Have look.

By the way, tell me in the comments - what would you say - Yes or No?

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If you want my advice, feel free to call me on 919860044110.  First 3 minutes are free! And for more than 3 minutes - pay as you wish - you decide the value of my advice.

Of course, for a serious discussion, better fix an appointment at a time convenient to both of us. So that we can have uninterrupted & in depth discussion on my mobile (919860044110)
- on Video Hangout on Google+
- or on Skype (ravikarandeekar) .

For more than 3 minutes and up to 30 minutes - pay as you wish. After the conversation - transfer the money in my bank account. As much as you wish. From a few hundred to a few hundred thousand crore of U S Dollars or Indian Rupees. Here are my bank account details:

Ravindra Karandeekar,
Bank of Maharashtra.
Savings A/c no- 20047674794.
Branch- Bajirao Road Pune MICR Code 411014010.
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