SNN Clermont

SNN Clermont has its front gate on the Ring Road in Jogappa Layout, Nagavara, pincode 560045. Across the road lie the lake and Lumbini Garden, so the view from many homes is water and trees rather than another tower. This is the Hebbal side of north Bengaluru, a well-settled part of the city with homes and offices side by side.

The big draw is the Hebbal flyover. Its four loops, about 5.23 km of road in all, connect this area to the airport road going north and to the city centre going south. If you fly often, or your work is in the centre, that link shapes your whole week.

The flip side of living on the Outer Ring Road is traffic. At peak hours this stretch fills up, and getting out of the gate and into the right lane takes planning. Try the drive to your office at your usual time, and time the run to the airport on a weekday evening. The developer has not published distances to specific schools or hospitals, so check the ones you would use. On a weekend, cross the road to Lumbini Garden and walk the lake edge to see if it suits you.

SNN Clermont has large homes throughout. The four-bedroom plans measure about 3,238, 3,895 and 3,930 sq ft. The five-bedroom plan is about 4,865 sq ft, and the four-bedroom sky villa, the biggest layout, is about 5,260 sq ft. The areas are published as built-up figures; carpet areas are not stated.

With the developer sold out, there is no list price to quote. A resale price depends on the block, the floor, the lake view, the interiors the owner has added and how many parking bays go with the flat. Get the last few registered sale values in the complex from a local agent or the sub-registrar before you negotiate.

No GST applies on a finished home. Stamp duty and registration are due on the sale value. When you compare offers, check:

• The area stated in the seller's sale deed, and whether it is built-up or super built-up
• Car parking bays and whether they are covered
• Maintenance dues, the sinking fund and the association transfer fee
• Any home loan on the flat and the bank's release of documents
• Stamp duty and registration on the agreed value
• The state of the interiors and any repair work due

SNN Clermont is listed as having BBMP/BDA plan approval. No RERA number has been published. You can search the Karnataka RERA website (rera.karnataka.gov.in) by project name to see whether it was registered and what completion details were filed.

In a resale you are buying from the owner, not from SNN Raj Corp, so the checks centre on the building's legality and the seller's title. Ask for:

• The occupancy certificate for your block
• The sanctioned building plan, to match the flat against it
• The seller's registered sale deed and the original developer agreement
• An encumbrance certificate covering the land and the flat
• The khata in the seller's name and recent property tax receipts
• A no-dues letter from the residents' association
• If the seller has a loan, the bank's foreclosure letter

Your own lender will run a legal and technical check before sanctioning a loan, which gives you a second opinion on the papers.

Once the sale deed is registered in your name, apply to transfer the khata and the electricity account. Also update your details with the association so dues and notices reach you.

SNN Clermont has five blocks, the tallest at 40 floors, sharing 7.23 acres, with 422 families living around a common set of facilities. The developer has not published the open-space share, so walk the grounds and see how much green lies between the blocks. Because the complex is lived in, you can see real spaces rather than renders.

Early risers have a jogging track and a gymnasium, and the swimming pool has a separate pool for children. After school, the kids' play area and outdoor games keep children busy. Tennis, basketball and badminton courts, plus room for cricket, make this a strong pick for a sporty household.

When it rains, the clubhouse takes over with a games room, billiards, carrom and indoor games. Movie nights move to the mini theatre, and family gatherings to the party area. A cafe and cafeteria give you a place to meet neighbours, and retail spaces cover a few daily needs. Landscaped gardens round off the grounds.

Lifts, intercom, round-the-clock security, fire safety systems and power backup are all listed. Ask the association how old the lifts are and when they were last serviced.