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LIMITED LIABILITY
Access to and use of this site is subject to the discretion of Labdhi Lifestyle and all applicable laws. You may browse this site for personal entertainment and information. We cannot accept any liability for any inaccuracies or omissions (other than for fraudulent misrepresentation) in this website and any decisions you make based on information contained in this website are your sole responsibility. Distribution, modification, transmission or revision of the contents in any form without permission from Labdhi Lifestyle is not permitted.
Labdhi Lifestyle makes no warranties or representations about the accuracy or completeness of this site's content or the content of any site or sites "hot-linked" to this site. Any communication or material you post or transmit to Labdhi Lifestyle over the Internet is, and will be treated as, non confidential and non-proprietary. By transmitting or posting any communication or material to this site you agree that Labdhi Lifestyle or any of its affiliates may use your communication as material for any purpose, including reproduction, transmission, publication, broadcast and posting. Further it is expressly agreed not to post or transmit any unlawful, threatening, defamatory, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence or violation of any law.

NO LIABILITY
Labdhi Lifestyle makes reasonable effort to ensure that the information provided on the Web Site is accurate but does not guarantee or warrant its accuracy, adequacy, correctness, validity, completeness or suitability for any purpose. Use of this Site, by implication, means that you have gone through and agreed to abide by the Disclaimers of this Site.

Labdhi Lifestyle does not represent that the information downloaded from this Web Site is completely error-free and accurate or the servers that make Labdhi Lifestyle Web Sites available, are free of viruses or harmful components. Though due care has been taken to make the database completely reliable and error-free, Labdhi Lifestyle claims exemption from any liability arising out of any such error in the data base.
This website is for guidance only. It does not constitute part of an offer or contract. Design & specifications are subject to change without prior notice. Computer generated images are the artist's impression and are an indicative of the actual designs.
Labdhi Lifestyle, reserves rights to make additions, deletions, alterations or amendments as and when it deems fit and proper, without any prior notice. No representation or warranty is made or intended as to the accuracy or completeness of information and no commitments are being given under this website as to its suitability or adequacy for any purpose.
This website is merely conceptual and is not a legal document. It cannot be treated as a part of the final purchase agreement/s that may be executed from time to time. Labdhi Lifestyle, reserves right to change, amend, modify the contents of the brochure and architectural specifications during development stages. The company holds no responsibility for its accuracy and shall not be liable to any intending purchaser or any one for the changes/ alterations/ improvements so made.

DAMAGES
In no event shall Labdhi Lifestyle and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Labdhi Lifestyle web sites.

TRADEMARK
The Labdhi Lifestyle logos and marks appearing in this site are registered in the name of Labdhi Lifestyle or are used under license by its affiliates in the areas where Labdhi Lifestyle markets products bearing these trademarks. The use or misuse of these trademarks or any other content on this site, is strictly prohibited.

COPYRIGHT
The copyright in the material on this website belongs to Labdhi Lifestyle and may be copied and used only for personal and non-commercial purposes (except as previously authorised in writing by Labdhi Lifestyle).

COOKIES
A cookie is a small piece of information stored by a web server on a web browser. Cookies enable the browser to remember information specific to a given user. We may place both permanent and temporary cookies in Your computer's hard drive.
We may collect Non – Personal Information by automatically tracking certain information about You based upon Your behaviour on Our Website. This information may include the URL You just came from (whether this URL is on Our Website or not), which URL You go to, next (whether this URL is on Our Website or not) Your computer browser information and Your IP address. This Non- Personal Information is compiled and analysed on an aggregated basis, and We use it for internal research on Our Users' demographics, interests and behaviour to better understand, protect and serve Our users. We use data collection devices such as ‘cookies’ on certain pages of the Website to help analyse Our web page flow, measure promotional effectiveness and promote trust and safety.
Cookies are small files placed on your hard drive that help Us provide Our services when You use Our Website. We offer certain features that are only available through the use of cookies. Cookies can also help Us provide you information that is targeted to Your interests. Most cookies are ‘session cookies’, which means they are automatically deleted from Your hard drive at the end of a session. You are always free to decline Our cookies if Your browser permits, by modifying Your browser settings, although in that case You may not be able to use certain features on the Website.
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Filling up the application form is the first step. The type of the application form may differ from bank to bank, but nearly 80 percent of the information they need is similar. Most of this is basically your personal and professional information, details of your financial assets and liabilities and the details of the property (if finalized) including the estimated cost and the means of financing the same.

While submitting the application form, every bank asks for several documents. Most banks these days offer doorstep service, however, some banks still insist on a personal visit to their office at least once.

  • Proof of income
    This needs to be backed up by copies of last three years' Income Tax returns (along with copies of Computation of Income/Annual accounts, if any), Form 16/Form 16A, last three months' salary slips, copies of the last six months' statements of all your active bank accounts in which your salary/business income details are reflected, etc. Other documents that you need to provide with your application form include age proof, address proof and identification proof. You may also be asked to provide your employment details.
  • Age proof
    Copy of your school leaving certificate/Driver’s license/Passport/Ration card/PAN card/Election Commission's card/etc.
  • Address proof
    Similar documents need to be provided to prove that you are actually staying at your current address.
  • Identification proof
    Same as above, but with photograph. Sometimes, the same document if it contains a photograph, the current residential address and the age can be used.
  • Your employment details
    If your company is not well-known, then a short summary about the nature of the company, its business lines, its main customers, its competitors, number of offices, number of employees, turnover, profit, etc may be needed. Usually, the company profile that is available on the standard website of the company is sufficient.
  • Financial check
    All the income-related documents you submit serve a specific purpose. The lending institution uses them to study your financial status.
  • 1. Level of activity
    In the case of self-employed individuals, this gives a very good clue about the extent of business activities.
  • 2. Average bank balance
    A cursory glance at the average bank balances maintained in a savings bank account speaks volumes about the spending/saving habits of any individual.
  • 3. Cheque returns
    A small charge debited by your bank in the statement indicates that a cheque issued by you was returned by your bank. Many such cheque returns can have a negative impact on your loan sanction.
  • 4. Cheque bounces
    If cheques deposited by you are returned by the issuer's bank, they will be visible in your bank statement and again, banks have specific norms as to how many such returns are acceptable in a period of one year.
  • 5. Regular periodic payments
    The existence of periodic payments to other finance companies/banks etc. indicate an existing liability and you will need to provide full details to the lender.
  • 6. Your investments also come under the scanner.
    This helps the bank to estimate your ability to pay the down payment as well as your savings habit.

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Labdhi One Marine Drive
Upcoming project at Marine Drive
This project is not for sale.

 
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