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PDF Editor FAQ

If Israel were to pull out completely from the West Bank and East Jerusalem, would this bring about peace?

NO!In 2008, the then Israeli PM, Ehud Olmert, offered to withdraw from virtually all the West Bank and East Jerusalem - with small boundary changes where the Palestinians would gain territory in Israel as an exchange for territory Israel would keep in the West Bank. The Old City of Jerusalem (which is part but not all of East Jerusalem) containing Israel’s holiest location and where Jews, prior to 1948, were a major population component, would be placed under international control. There would also be a land corridor linking the West Bank with the Gaza Strip which would be part of the agreement and from where Israel would withdraw.The Palestinians, under Mahmud Abbas, said NO! Although this was the most comprehensive agreement - in that for the first time it suggested giving up Judaism’s most holy place to international control (which would have been hard to sell but feasible in return for real peace) it wasn’t the first time the Palestinians said NO. The same applied during earlier talks - where Ehud Barak offered Arafat almost the same (but with a lease agreement for the Old City holy places) and after the Oslo accords, mediated by President Clinton. In each case the Palestinians said NO.The leftish UK newspaper reported on this: Arafat didn't negotiate - he just kept saying no - and if you search the press you get the same story - e.g. for the Olmert deal: Abbas admits he rejected 2008 peace offer from OlmertIf you look at the official logos for Palestinian organisations you often get a map included - that also includes ALL Israel (i.e. the British Mandate territory). The examples below are typical. They are taken from the logos / badges of Palestinian elementary schools. If schools are teaching this sort of educational lie, then of course there won’t be peace if Israel gives back territory - as it’s never enough unless Israel decides to cease existing as a nation! (That won’t happen unless the Palestinians win and there is the genocide promised by some of their leaders!)The following two logos are from Western supporters of Palestine - again showing the real aim and why giving back the West Bank and Jerusalem is never enough.If you look at maps of Israel you typically get something very different. Even if the whole area is shown, there is a border put where Gaza and the West Bank are. Israel recognises the Palestinian areas - but until the Palestinians reciprocate through more than just empty words and truly recognise Israel in their education, statements in Arabic and maps you won’t have peace whatever Israel does.

Is a person guilty, if he uses a law that doesn't exist?

I’m going to quote the details added to this question in its comments, since without them the question lacks context, and cannot be answered.So the detail is that my friend have a leasing contract with a off campus apartmemt. She found a roommate online but her roommate wants to break contract now. They are willing to pay their deposit as the punish to break the contract to that apartment. While, during the phone call that talks this with employee in that apartment, the employee told them,. ‘calfornia has law that doesn't allow you to break contract this close, ’I Google for this but didn't able to find anything about this at all. So I guess that guy is lieing, I want know if this guy violated any law by using a law doesn't exist.In short, what you seem to be asking is, did the leasing agent commit an offense when he made what you believe to be a false statement regarding the law?There’s two issues here:First, the employee’s statement may actually be correct. You are, clearly, not trained in the law, and thus you are almost certainly not qualified to determine with any reliability whether California landlord-tenant law has any such provision; just because you didn’t find it in a Google search does not mean that it’s not the case. I am trained in the law, and I don’t know either, but that’s because I have made no effort to find out. Nor do I plan to: it’s a fairly decent amount of work, mainly because I’m not familiar with all that much of California law. A lawyer in California who deals with cases in this area would either know immediately, or know where to look to quickly find out.Second, it’s not a crime to be mistaken about one’s rights or about the law generally. The fact that the employee believes that this is the law, and stated that he believes that to be the law, is not an offense. If he actually knew that it was not the law and used that misrepresentation as part of a scheme to obtain some thing of value from your friend, that could have been fraud or even extortion, but in this case all he did was use it as an excuse to refuse to agree to compromise a lease agreement, which is something he was entitled to do anyway without providing any reason, and so your friend hasn’t been harmed by his error, if indeed it was an error.So, whether or not his statement as to the nature of California law is accurate, your friend doesn’t have either a civil or a criminal claim against him. Indeed, since your friend is in a binding lease agreement with her landlord, your friend is obliged to continue to perform according to the lease or accept the penalties for breach under the lease, as regulated by California landlord-tenant law. To understand what the penalties for breach are under the lease, read the lease. To understand how California landlord-tenant law may modify the operation of the lease, you need to speak to a California attorney familiar with landlord-tenant law, preferably in the community in question as many communities have local ordinances that modify the general state law.

Can I get a home loan for a leasehold property? If yes, then from which banks or FI?

Dear User,Thank you for the question.Properties are generally classified into 2 types. viz. Freehold properties and Leasehold Properties.Freehold Properties are those properties wherein the underlying land is in the ownership of the developer.Leasehold Properties are those properties which are developed on land owned by a govt authority or third party. Let's understand this by way of an example. In Navi Mumbai, majority of the lands are owned by CIDCO (City and Industrial Corporation of Maharashtra). These lands are procured by developers on a leasehold basis by way of lease agreement. This lease is also termed as perpetual lease as it is generally for a long tenor of 99 years.Check on the below points while buying leasehold Properties:Tenor of the lease which is left as per the lease agreement and confirm what will be the process for renewal of the lease agreement. To be on a safer side but only those properties which has a balance lease tenor of more than 50 years.In leasehold Properties you need NOC from the authority for availing home loan and for further sale of property. Understand the process for obtaining this NOC and the cost involved for obtaining the same. Generally, this process is very tidious and time consuming.Check on the approvals for the projects thoroughly whether construction is as per the approved plans. Hence, it is always better to obtain bank loan on such properties as it will help in checking the legality and technical clearance of the property.Below are the additional documentation which one needs to obtain for different kind of Leasehold property:TYPE 1:Where the Party outrightly purchases Flat /Home from Authority in buildings constructed by Authority:Allotment letter from the authority.NOC from the authority.TYPE 2:Where Authority has given Land to individuals and the individual constructs the House: It is self construction cases.Agreement to lease between Authority & applicant.Blue print of building plan approved by Authoritiy.Commencement Certificate from authority for construction.NOC from Authority for taking loan for purchase of the property.Development Agreement.(In case the plot is owned by one person and the building is made by another/builder).TYPE 3:Where Authority has given Land on lease to builders (TENDER PLOTS):Agreement to lease between Authority and builders.Blue print of architect’s plan with sanction/approval from Authority /building proposal dept.Commencement letter for construction i.e. Sanction letter from Authority / town planning/building proposal dept.NOC from Authority & Builders for mortgaging property to the bank — As the land is owned by the authority and builder is the Lesee who is constructing the building you will need NOC feom both the authority and builder for availing the home loan.TYPE 4:Where Authority has given Land on lease directly to Society:Agreement to lease between Authority & Society.Blue Print of building Plan approved by authorities.Commencement certificate issued by authorities.Society’s registration certificate.List of Society members approved by Authoritiy.NOC from Authority & Society for mortgaging property to any bank.Allotment letter issued by Society to the flat purchaser.Share Certificate.Additional Requirement if Society assigns development rights to developers / builder.Development agreement between Society and BuilderPower of attorney from Society to Builder.Partnership deed of builder’s firm (If its a partnership firm)NOC from builder for mortgaging property to any bank.Registered agreement for sale between builders & applicant with Registration Receipt thereof.Type 5:Resale of leasehold flats:Original deed of apartment between Authority & existing owner.Original Allotment Letter of in name of existing owner.Registered agreement for sale between existing owner and proposed buyer with Registration Receipt.NOC from Authority for transfer of existing owners rights in favour of new buyer and for mortgaging property to any bank.NOC from Society for bank loan and transfer on records of society.Loan on leasehold property can be done by majority of the banks / FI's.Apart from this if you are buying a property which is pre leased. Then you need to take care of the below points before buying.Buying a Leased Property:Buying a Pre-leased property is a common phenomenon and banks do lend for buying such properties. Majority of the reknowned banks/FI lend on such properties. Pre-leased property can be residential or commercial. Below are the points you need to take care before buying a Pre-leased property on loan.Lease Agreement —The lease agreement with lesee has to be valid. Banks will always require a Registered lease agreement.If the lease agreement is expired then please insist on renewal of the lease agreement or make the lesee vacate the property before you enter into any agreement with the seller for purchase of the property.You need to execute a fresh lease agreement with the lessee once the ownership rights are transferred in your name. Obtain a undertaking from the Lesee prior to entering into any documentation for buying the property. The undertaking should clearly state that the lesee will enter into a fresh lease agreement on agreed terms with new buyer of the property.Occupancy of the Property —Check on the occupancy of the property. The property must be occupied by lesee only. In many cases, lesee may sub-lease the property to someone else without the knowledge of original owner. In such cases there are issues in vacating the property. Hence, please verify the occupancy of the property upfront.Rental Credits —If your intention to buy the property is for earning rental income. Then, rental credits play a very important role.Check on the rental Credits. Go through the bank statements of owner and check whether the tenant is paying the rentals regularly.Informing the Lesee —It is very important to inform the Lesee that the original owner is selling the property and that the lessee has to execute a fresh agreement with the new owner once the property is transferred on papers.Undertaking from the lessee that the rentals will be transferred to the new owners bank account from a specified date.Inform the tenant that there is a loan on the property and of the borrower of the loan defaults in returning the loan back to the bank, then bank has a right to take possession of the property and in such scenario the tenant has to vacate the property. This declaration is also required by banks prior to Funding.Quality of Lessee:In case of commercial property it is very important that you check on the stability of the Lesee. If your intention is to lease out the property and earn rental income then always lease out the property to reputed lessee like banks, large food chain or some established business houses. As these businesses wouldn't shift their work premise more frequently.Also in future if you wish to avail extended finance on the property then you can get LRD (Lease Rent Discount) loan on your property and such loans require good lessee. Hence, quality of Lessee plays very vital role.Hope your query is answered.For more details please contact in person.Best Regards,Abhishek Kotian.

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