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PDF Editor FAQ

Is a sale agreement mandatory for a home loan in Bangalore?

Yes, a sale agreement is mandatory for home loan in Bangalore. Adequate stamp duty must be franked or e-stamped. Stamp duty is 0.10% of sale value.It's mandatory to submit following documents for a home loanLoan applicationAgreement for sale (Popularly known as sale agreement)Personal documents (Passport size photo, PAN, Aadhar, 6-month bank statement, salary slip, IT return for the last two year)Property DocumentsBelow is the step by step procedure to execute a sale agreement.Step 1: To prepare a sale agreement, you need the following document.Absolute Sale deed of sellerKhata certificate & extractLatest tax paid receiptEncumbrance certificate (EC)A template of sale agreement. You can access the template by simple google search or email to usStep 2: Prepare the draft in word format. Using the template, edit the necessary details. A typical draft should have following details.The date on which the sale agreement is being executedName, Father/Husband’s Name, Age, Address and PAN card details of the Vendor(s) and Purchaser(s)Schedule of the propertyTitle flow of the propertyTotal sale consideration, i.e. the total sale valueAdvance payment, balance payment & mode of paymentTimeline for completing the transaction, i.e. registering the sale deedVendor obligationsNon-solicitation by VendorDispute handling mechanismDefault, exit, and penalty clauseScheduleIn general, a draft should have 3 sub-schedules. For example, Schedule A, Schedule B, and Schedule CSchedule A refers to a large portion of the project. probably measured in acresSchedule B: refer to the exact unit of the project. Measurement of your flat size in sq.ft or sq/mt.Schedule C: refer to the undivided land share. Measure in sq.ft or sq/mt. (This is applicable only for an apartment)Step 3: Exchange the draft between buyer, seller, and advocate for correction, edition, or final confirmation. Preferably exchange the draft by email for sake of maintaining record (proof) and expedite the process.Step 4: Print the draft on A4 size document paper or bond paper. Like the one below.Step 5: Stamp duty for sale agreement is 0.1% of considerable value. For example purchase value Is Rs. 50 Lakh. Stamp duty is Rs.50,00,000 X 0.1% = 5,000/-Draw Rs. 5,000/- demand draft (DD) in the name of sub-register office, where your property located.Step 6: The seller and buyer should sign the agreement on all pages. Two witnesses have to sign at witness section (Usually at last page of agreement)Step 7: Get the agreement franked at respective sub-register, where your property is located.This completes the execution of “Agreement for sale” in Bangalore.We provide the service of agreement drafting, execution, franking, and home delivery. To opt for our service, please Whatsapp to 9 7 4 2 4 7 9 0 2 0.Thank you for reading, have a great day…

What are the most unusual facts about INFJ as a personality type?

In lieu of many seemingly unrelated INFJ questions such as the following, I am going to connect all the dots with one analogyAre INFJ narcissistic people?Why does the INFJ personality type seem to have low energy levels?Can you as an INFJ distinguish between true INFJs and those who think they are, but aren't?What is the most INFJish thing a person does? How do you guess if someone has an INFJ personality type?What is one thing that an INFJ will doorslam you quickly for?It occured to me to answer this because to my mind when I think about how I am like, I immediately see a periodic table in my mind’s eye and I am so very like the element LITHIUM.Despite fragile appearances I am highly conductive, highly reactive, highly applicable in lots of situations—even in nuclear weapons—but I need to be discovered as lithium in its elemental form. Lithium doesn't occur free in nature. I won’t be just sitting around wearing INFJ-pride.With electrons I do have to give, I give up readily (shirt off my back tendency) but the tricky thing is, lithium doesn’t have that many orbitals to fill. To be in my inner circle, one has to coincide with an unspoken vacancy. Otherwise I will be content and stabilized with my existing covalent bond and remain loyal and invested in sharing myself on deeper and deeper levels.The problem is, it often isn’t the right person filling our one open spot. For reasons inexplicable to me, a non-trivial number of strangers describe my intersection with their lives in exalted otherworldly salvation terms, as if their lives have been graced by divine intervention or that an angel in human form miraculously appeared. On my end, I just follow through some hunches and ordinary inner guidance “bring x, and take the other route” but to others, the specific item I bring, or my crossing their paths at that exact moment, or saying the words that come to me… tends to reveal much greater meaning and result in an audible gasp of recognition. Maybe it looks a lot like the “love-bombing,” “mirroring” and “grooming” of Narcissistic Personality Disorder, so one might be confused by concepts, but I find that more often than not, the “discard” will get to keep our precious electron that we gave.Lithium also has one of the lowest melting point (180º C) for a metal and highest boiling points (1330º C) for a metal, even though it remains highly reactive. To me, it parallels how the INFJ heart is easily touched and softened by the most mundane of things, but to get us to truly go ballistic takes a lot of heat and a lot of pressure, but contrast this with NPD, which is characterized by gross lack of empathy and does not need much friction to perceive things as a “narcissistic injury” to justify inflicting mass damage to their surrounding relationships.I further distinguish the high reactivity from the high boiling point as this: like NPDs, INFJs may be prone to neurosis, low self-valuation and self-hatred borne out of perfectionism and friction with outer stimuli. But I have never regulated my own esteem nor felt empowered by the tearing down of others, and thus it would only be through oppressing me to my high boiling point do I flip a switch and systematically eviscerate others to render them no longer a threat. At that point, I am emphatically not a good person and can be downright diabolical in my goal to annihilate and purge. I do not easily humiliate or put anyone in a compromising situation, not for petty reasons, not for zero-sum power games, and least of all to inflate my own sense of worth. On the contrary, I’d experience guilt for a very long time afterwards and I tend to want to make it up to the person I wronged. I strongly believe that nobody gets away with anything, so it is up to myself to make things right.Moreover, lithium has unusual retrograde reactivity: it is more soluble in cold temperatures than hot ones, and where Sodium has a violent reaction; lithium reacts more slowly. I find that to be hilarious as a paradox, because when the stakes are really high involving other lives (such as when under gunfire with a live shooter) I get really calm and steady, able to defuse the situation, self-sacrificially if need be. I’m really good at leading people through extremely tense situations such as suicides or hostile unsafe circumstances in disputed territories. My Ni will kick in and I’ll know exit strategies that nobody knows how I knew. But watch me have a meltdown over the most minor thoughtless interactions such as XNTXs throwing out my old bananas without asking me.As a child before the age of 12, I was about the skinniest, shy-est, perfectionistic loner girl on the playground making sand shapes with my plastic spoon... but a number of incidents stand out in my mind when I threw rocks at heads, piercingly screamed into ear drums and kicked the blood out of larger, older boys who were bullying someone else… not only to the point of publicly embarrassing them, but also their parents were extremely upset with the long term bruising and physiological damages I had inflicted with my “rages.” Looking back, I scarcely can even recognize my kind and soft-spoken self when the assassin-mode rears its viciousness in attack mode; all I know is that after a certain line is crossed I feel zero fear, zero pain, and this cold calculated wrath. By then there is no holds barred, hyper-focused “I will destroy you” Joan of Arc sort of insanity unleashed, and somebody’s gonna get hurt real bad.We’re simultaneously harder than other metals but also softer than other metals. So you’ve gotta ask yourself one question—do you feel lucky, punk?While other personality elements obey the octet rule filling up s- and p- orbitals, Lithium goes by the duet rule. What apparently looks like me being sociable with hundreds of people almost always involves being adopted on the outer edges by an extravert cluster who has many transactional electrons for ionic bonds. I really don’t prefer that, as, such “friends” of electrostatic attraction will liberally loan out my electron services and it totally changes my original character until I am almost lost and fundamentally unrecognizable to myself (chameleon tendency) but it happens a lot because I will unconsciously adapt my role to be what people most need me to be.(I really do facilitate the betterment of their lives both emotionally and materially, and people notice the attentiveness to personal detail. As such, from a cursory glance it always surprises people that I can have deep relating and be on good terms with warring folks who just can’t get along with each other, have polarizing values of my own and yet the way I present my values seem to resonate with everyone. It is no problem to disagree with my most Trump-commited gun-rights-loving veterans, and also be in touch with those who have been in prison or homeless, and have them help out refugee families I’ve chosen when I consistently do things for their welfare and support them privately through their most difficult times.)Case in point, I don’t align with climate change and abortion, but most along the political left will find my perceptions to not stem from willful ignorance or oppression, but rather being able to attune into factors that they cannot, and mostly respect my independently founded conclusions.I may seem like a vulnerable loner, preferring to hike by myself for hours every day and sensitive to the poetry of nature….but when I actually got robbed, I immediately spoke to the city mayor and sheriff face-to-face about an action plan, got their private contact numbers so I can text them, we set up surveillance and a community server along with the law enforcement and military presence in my vicinity. A lot of people who see me journaling, painting, gardening or dressing feminine seem to underestimate this paradoxical masculine aspect of me.Just like when they see my lithe ectomorph body, their eyes really pop out when we do food distribution, I powerlift hundreds of really heavy of crates. I appear vulnerable and delicate… until something needs to be done for others or the community can benefit from my involvement.Of course, INFJs not irrevocably fixing problems for “the collective well-being” because if others are going to deliberately lose their way, I’m not above letting people reap what they sow. People enjoying the INFJ loyalty may forfeit the allegiance once they cross a certain line. At the point of no return, we give up that single electron altogether and surprise, bi*ch: look up our chemistry, we’re even more happy and stable without it. *doorslam*… Ain’t that the truth … (Source: Google)Lithium is found in igneous rock and borne out of the Big Bang or exploding stars. We are still unable to explain how it’s made, but the enormous flashpoint required reminds me of the crucible in which INFJs remember their formative years. There is some elegant poetry in knowing that lithium isotopes were simultaneously synthesized and destroyed in the reactions to their environment and thus made rare.Why does it seem like most INFJs have dark pasts?As Lithium ion is used in rechargeable batteries, I would heartily agree that when INFJs have energy we are little powerhouses… just not the bombastic extraverted way.At my best, I am practical, efficient, and intensely focused on getting from Point A to Point B. I work by myself, often doing the group project by myself, and won’t stop until I deliver the final product to completion, though I will allow others to take full credit. Once INFJs see the higher purpose for our involvement, we will dedicate an extraordinary amount of effort to see it come to fruition.What are INFJs really good at?The other interesting thing about exertion of energy is that INFJs have busy minds. I am always trying to find the exact balance to reconcile opposites, finding ultimate truths and and extracting meaning in abstract concepts. I am not a knowledge specialist, instead, finding patterns in a great many disparate subjects which took time and effort to master with some degree of competency. A good portion of my diary pages, for instance, are thoughts and feelings of other people that have percolated my awareness, and my perceptions of them; a double-entry journal of sorts. Topics about nature, space, time, consciousness, future technology and music greatly occupy my attention because they tend to have universal appeal.Also, less so than other types, I take do not take constructs of modern reality for granted, and have quite detailed visions of my own self in incarnations as a savage and also as an android, as well as future potentials of material science that will enable different building constructions. What others seem resigned to seeing constraints as “the way things are” tends to be only a temporary variable for me. I seldom worry about the rapid dying of species on Earth now, because I have seen new possibilities of animal-, and plant-life after the destructiveness of humans takes its cycle and life rebalances.At times with all the visions, the knowings, the theorizing and the sudden aha-insights, I find it fitting that the application of the lithium-ion battery is mostly in portable technologies that facilitate communications and moving around.The last thing I will relate with lithium is that, because it is extraordinarily small, it is used in medicines since it can cross both the blood brain barrier and the placenta to affect an unborn fetus. Metaphorically speaking, for purposes of healing an INFJ has a way to get inside your mind, and tap into your inner child.As far as defense mechanisms, most people’s armor around their most most vulnerable assets are developed to keep foreign elements out, but for all intents and purposes, to the INFJs’ perception, it is as if the barriers aren’t even there!I have blurted statements aloud that, to my mind were observable truths, but rendered others naked, exposed and shut down. It is in fact a learning process of politeness for INFJs to recognize to what extent stating the obvious (to us) is actually piercing, invasive, and scary for others to find out, and to keep most of our “insights” to ourselves.During my undergraduate years I worked in a blood-brain barrier lab, which underscored how masterfully the membrane kept pathogens (and antibodies) out of brain sac. Presently when I think about lithium in relation to INFJs, it strikes me with great clarity that…of course… if the soft organs were suddenly aware that something foreign somehow got inside, for sure it would be first and foremost frightened and alarmed before it has a chance to ascertain whether it was benign or harmful, which explains people’s reactions to my prescient announcements of their inner world. It’s like abruptly finding a stranger inside the sanctum of your closed mind.But if you have always walked around barefaced without cosmetics, the fact that most adult women can no longer leave the house without makeup, takes some radical getting used to!

How can we write a letter to a bank manager?

An application letter is written to the bank manager for various purposes like issuance or lost of ATM card, cheque book, account transfer or even for bank job application.It’s a formal way to write an application letter to the bank manager for official record also. Any activity related to your bank account must be recorded for future reference.Though there are recommended formats or forms available in the bank, you need to initiate the issue by writing an application letter as per your requirement.Why should you write an application letter to bank manager?Below are the most common reasons why you should write an application letter to bank manager:· Requesting for ATM card for your new account· Reporting for lost ATM card· For issuance of cheque book· Bank account transfer· Official bank statement· KYC update in your bank account· Bank loan application· Job application in the bank· Converting your NRE/NRO account into domestic SB account· Grievances or complains against bank services· Any other works related to bankTips to write an application letter to bank managerFollow the below tips to write an application letter to bank manager in a proper way:1. Strictly follow the prescribed format of a formal letter to write an application letter to bank manager.2. Clearly mention your bank account details like A/c number, branch name, customer ID, registered mobile number.3. Be polite in your writing even if it’s a complain letter. Don’t use any informal word.4. Write in a precise and specific way. Focus directly to the point why you are writing the application letter.5. Choose the subject line pointing your issue directly. It should be a one line statement.However, be cautious about disclosing any personal detail like OTP or password while writing the application letter. Bank personnel need not require any of these and hence don’t share such information.

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