Ouro Lifestyle offers

Prajakta Classique

Your Own Holiday Home

at Dream Destination Goa

Ouro’s Prajakta Classique showcases your ‘Holiday Home’…. Move in with your baggage only

Your worries on owning a Holiday Home

Worries of safety and security of your asset Up keep & Cost of Maintenance

◦Fixed costs :- Phone, electricity, water, cable◦Capital costs:- Fixtures & furniture, White

goods, Kitchen crockery and others Enjoying your Holiday Home

◦Holiday terms getting shorter◦Quality time spent in cleaning up for usage◦Under utilization of electrical assets leading

to damage of Fridge/ Air-conditioners◦Return on Investment

Ouro Offering

Fully loaded – your ready to move in apartmentWith a three year rent back agreement

50 room nights for family & friends 25 in off season, 15 in mid season, 10 in peak season

A Concierge service To look after your property To meet your basic arrival needs

Other benefitsProperty value escalation- Approx. 15% PA

Income tax deductionOn interest paid on housing loanOn principal paid on housing loan

Ouro’s Prajakta Classique – offering you ….

One bedroom apartment in two sizes ◦81sq/m &98 sq/m◦Set of 7 apartments in each size

900 meters from the Little Vagator beachClose proximity to other famous beaches -

Anjuna & Calangute.Near some of Goa’s happening night clubs

– Curlies, Club Cubana, Club 9 & Tito’s. Pharmacy, Grocery, and other utility

shops close by…

Ouro’s Prajakta Classique Amenities

Gated property with security room at the entrance with intercom connection

Free Parking Space Elevator Special waterproofing treatment 100% central power backup for the complex and

specific points within each apartment Under ground water tank & overhead water tank with

adequate storage capacity Balconies with laminated wooden tile flooring Open space around the building with a jogging track

for the fitness enthusiasts Children play area Swimming Pool

Ouro’s Prajakta Classique Indoors Amenities- (only with rent back option)

Living Room –Split AC , Flat TV with DTH, Sofa Cum

Bed , two comfortable sofa chairs, Dinning table for Four

Bedroom – Split AC, Flat TV with DTH and Home theatre system, Double Bed with side

tables, Linen sets, quilts wardrobe fitted with electronic safe and wall

mirror unit

Ouro’s Prajakta Classique Indoors Amenities- (only with rent back option)

Kitchen- semi modular with induction cooker, microwave,

mixer-grinder, fridge, toaster, tea kettle and basic pots n pans with cutlery for 6

Balcony- with small coffee table set/deck chair

Bathroom –Large wall mirror, storage shelves, geyser, rain

shower and shower cabinBasics –

Curtains, Table Mats and rugs/door mats etc

Ouro’s Prajakta Classique

The Financial workings and costs

Property Cost Sheet

Type

CarpetTotal Super

Built UpArea

Rate/SM INR Total Cost

Living Kit. Toilet Bed Bal.-I Bal.-II Pass. Area

Upper Ground,to 3rd floor

Type A 26.40 7.10 4.15 11.66 5.17 4.95 2.05 61.48 98 4200041.16 Lakh

Type B 18.15 7.10 4.15 10.82 4.80 3.75 2.05 50.82 81 4200034.02 Lakh

Forth floor

Type A 26.40 7.10 4.15 11.66 5.17 4.95 2.05 61.48 98 4500044.10 Lakh

Type B 18.15 7.10 4.15 10.82 4.80 3.75 2.05 50.82 81 4500036.45 Lakh

ROI- Rental Income - WithAnnual Escalation of 10%

Rental Income

Rent paid on Agreement by builder 2013-2014 2014-15 2015-2016

Yearly Rental Income

1.20 Lakh PA

1.32 Lakh PA.

1.45 Lakh PA

Total Income Rs. 3,97,200/- ( Three Years)

Rental Income v/s Loan Interest –Start paying capital from year 1

Presume if the loan amount is Rs. 30 lakhs

The Bank Loan interest component for 3 years is Rs. 82,281/-p.a. @10%p.a. i.e. Rs. 2, 46, 843/-

Rent will compensate interest

ROI – Projected Property escalation @ 15% p.a.- figures in Lakh

A B CD D - A

Description

Area/typeProperty

Cost 2013-14 2014-15 2015-16 Benefit/Profit1st to 3rd Floor Type A

98 41.16 47.33 54.43 62.59 21. 431st to 3rd Floor Type B

81 34.02 39.12 44.99 51.74 17.724th floor Type A

98 44.41 51.07 58.73 67.54 23.134th floor Type B

81 36.45 41.91 48.20 54.43 18.98

Tax Saving

Tax Benefit in Housing Loan◦ Interest on Housing loan u/s. 24b Up to Rs. 150000 p.a.◦ Principal u/s. 80c.

Up to Rs. 100000 p.a. Savings in terms of Tax Payable

Rs 77,250/-3 year projection of Tax Saving

Rs. 2,31,750/-

Room Tariff Costs50 Room nights a year free

Presumed notional saving at 50% self usage p.a. 2,43,750/-

No. of Rooms

Season Tariff (Rs) Total (Rs)

Peak Season 10 6000 60000

Mid Season 15 3500 52,500

Off Season 25 2000 50,000

Total 50 1,62,500 x 3 years = 4,87,500

Over All Benefits for a period of 3 years

Amount in Lakh

Total Benefits to Buyer

Projected Escalation Benefit

1-3 floor Projected Escalation Benefit

4th floorType Type A Type B

Area in Sq/ Mt 98 81 98 81

ROI Rental 3.97 3.97 3. 97 3. 97

ROI – Projected Property escalation

21.43 17.72 23.13 27.30Tax saved 2.31 2.31 2.31 2.31

Room Rent 2.43 2.43 2.43 2.43

Total Benefits to Buyer

30.14 26.43 31.84 27.66

Your Investment

Amount in Lakh

Total Investment of Buyer in Three Years

Investment 1-3 floor Investment 4th floorType Type A Type BArea 98 81 98 81Cost of Flat 41.16 34.02 44.10 36.45 Down payment (15% of total cost)

06.17 05.10 06.61 05.46

Loan amount 34.99 28.92 37.49 30.99EMI per month ( Approx for a period of 15 years)

00.37 00.31 00.41 00.33

Outgo for 36 months 13.32 11.16 14.76 11.88Total (Down payment + Outgo)

19.49 16.26 21.37 17.34

Cost Benefit Analysis

Amount lakhNet Benefits to Buyer in Hand in Three Years

Net Benefits 1-3 floor Net Benefits 4th floorType Type A Type BArea 98 81 98 81Total Benefits to Buyer 30.14 26.43 31.84 27.66

Less Total (Down payment + Outgo for 3 years)

19.49 16.26 21.37 17.34

Net Saving in Hand post outgo for 3 years + a key asset

10.65 10.17 10.47 10.32

Thanks

Our website:www.ourolifestyle.com

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http://www.makaan.com/ouro-lifestyle-prajakta-classique-goa-majorda/microsite/2463/911

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