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 Ouro Offering Fully loaded – your ready to move in apartment With 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 benefits Property value escalation- Approx. 15% PA Income tax deduction On interest paid on housing loan On 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 beach Close 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 cabin Basics – Curtains, Table Mats and rugs/door mats etc

Ouro’s Prajakta Classique The Financial workings and costs

Property Cost Sheet Type Carpet Total Super Built Up Area Rate/SM INRTotal Cost LivingKit.ToiletBedBal.-IBal.-IIPass.Area Upper Ground,to 3rd floor Type A Lakh Type B Lakh Forth floor Type A Lakh Type B Lakh

ROI- Rental Income - With Annual Escalation of 10% Rental Income Rent paid on Agreement by builder Yearly Rental Income 1.20 Lakh PA 1.32 Lakh PA 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. i.e. Rs. 2, 46, 843/- Rent will compensate interest

ROI – Projected Property 15% p.a.- figures in Lakh ABC DD - A Description Area/type Property Cost Benefit/Profit 1st to 3rd Floor Type A st to 3rd Floor Type B th floor Type A th floor Type B

Tax Saving Tax Benefit in Housing Loan ◦ Interest on Housing loan u/s. 24b Up to Rs p.a. ◦ Principal u/s. 80c. Up to Rs p.a. Savings in terms of Tax Payable Rs 77,250/- 3 year projection of Tax Saving Rs. 2,31,750/-

Room Tariff Costs 50 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 Mid Season ,500 Off Season ,000 Total501,62,500 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 4 th floor TypeType AType B Area in Sq/ Mt ROI Rental3.97 ROI – Projected Property escalation Tax saved2.31 Room Rent2.43 Total Benefits to Buyer

Your Investment Amount in Lakh Total Investment of Buyer in Three Years Investment 1-3 floorInvestment 4 th floor TypeType AType B Area Cost of Flat Down payment (15% of total cost) Loan amount EMI per month ( Approx for a period of 15 years) Outgo for 36 months Total (Down payment + Outgo)

Cost Benefit Analysis Amount lakh Net Benefits to Buyer in Hand in Three Years Net Benefits 1-3 floorNet Benefits 4 th floor TypeType AType B Area Total Benefits to Buyer Less Total (Down payment + Outgo for 3 years) Net Saving in Hand post outgo for 3 years + a key asset

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