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109 Cottahs  |  Gr.+4  |  7 Towers  |  196 Flats  |  1, 2 & 3 BHK  |  436 to 1163 sq.ft. (sq. ft.)  | Possession- 2017 Onwards

Spotlight Rainbow delights you with a rendezvous with the colours of Nature. Located in a serene location, when everything around you seems to be in perfect harmony, life becomes so much enjoyable, it becomes easier too. Going out for work, taking a stroll around the landscaped garden with your dear ones, sweating it out at the gym or walking down to the nearby bazaar are activities that you will at last start enjoying. Spotlight Rainbow is designed to paint your life with colours of unbridled joy.

With over five decades of proven track record of constructing real estate dreams, Spotlight Group is a well known name in the Kolkata realty horizon. The Group has delivered projects in Howrah, South, Central, and North Kolkata with quality and consistency. Spotlight has a few more projects coming up, in and around Kolkata!
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Structure

-RCC framed

Walls

-Internal: Finished with Plaster of Paris

-External: Weather coat paint

Flooring

-Living / Dining: Vitrified tiles

-Rooms: Vitrified tiles

-Bathrooms & Kitchen: Anti-skid ceramic tiles

-Stairs & Lobby: Marble or Kota stone

Doors:

-Wooden frame with flush door

Windows

-Aluminium sliding window

-MS grill

Electrical

-Concealed copper wiring with Modular switches

-TV & Telephone point in Living Room

-AC point in one Bedroom

Kitchen

-Counter with granite top

-Glazed tiles upto 2' above the counter

-Stainless steel sink

Toilet

-Concealed pipeline

-Hot & cold waterline in one toilet

-Glazed tiles upto door height

-CP bath & sanitary fittings of Parryware or reputed make


Madhyamgram is one of the popular suburbs in Kolkata. It is mainly connected through railways. The major station in this locality is Madhyamgram Railway Station which connects Madhyamgram with major areas of rest of Kolkata. Jessore Road is the most important road connecting this area to other key nodes of the city. It also connects the locality with Kolkata Airport. Sodepur Road of Madhyamgram leads to BT Road, an important transport link linking the place to the heart of Kolkata. Sodepur Road is the connecting node between Jessore & BT Road. Madhyamgram has many well-known schools including Madhyamgram Girls School, Nabanalanda Shishu Vidyapith, Monalisa English School and Sreenagar Madhyamik School. Key hospitals to this locality are Government Hospital of Madhyamgram, Netaji Subhash Chandra Bose Specialized Hospital and Research Centre. This area also has several shopping malls including Swadha Plaza, Nisha Plaza and Ozone Mall, thus transforming this area into one of the most desired residential places in West Bengal

location map

Site Plan

 

Typical Floor Plan Block 1

Typical Floor Plan Block 2&3

 

Typical Floor Plan Block 4&5

Typical Floor Plan Block 6&7

* Please click on images for enlarged image and click on the heading link to view individual unit plans for the respective floor.

Computation



EMI Calculator :
Adjustable Rate Home Loan EMI calculator :

If you want to apply for an Adjustable Rate home loan, this tool will enable you to calculate your Equated Monthly Installment (EMI ) if you know the loan amount you require, term for which you want to take the loan & the rate of interest that is applicable. You can check the EMIs for different loan tenures to decide which would be most suitable for you.

 


 

DISCLAIMER: The above figures are indications only. Always confirm with your Bank before taking any decisions regarding home loan.


 

Loan Purpose

You can apply for Home Loan for the following purposes :

  • Purchase of a plot of land and construction of a house thereon
  • Construction of a house on plot of land already owned
  • Purchase of a new house or flat
  • Residual age of the property should not be less than 30 years old (Home Acquisition Plan)
  • Extension or renovation or repair of a house or flat already owned by self (improvement or extension plan)
  • Take-over of existing Housing Loan (Balance Transfer)
  • Pre-allotment booking finance
  • Loan takeover with additional refinance (Balance Transfer + top up)
  • Loan to NRI for purchase of ready residential property only
  • Purchase of residential plots only

Eligibility

 

Salaried Individuals
  • Any individual who is in permanent service in Government or reputed companies
  • The applicant in all the cases should be above 22 years of age at the time of loan commencement and up to the age of superannuation
Professionals
  • Professionals (ie, doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, management consultants only) can apply
  • The applicant should be above 22 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity
Self Employed Individuals
  • Any individual filing Income Tax returns can apply
  • The applicant in all the cases should be above 22 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity
  • Trade Licence for last 3 years

 


Documentation :

The following documents are required along with your loan application:

Purpose Salaried Others
Proof of identity Voter's ID card or driving license or PAN card or photo credit card or employees ID card or defense or police or government department ID card Voter's ID card or driving license or PAN card or photo credit card
Proof of income Latest salary slip showing all deductions or Form 16 along with recent salary certificate IT returns for the last 2 years and computation of income for the last 2 years certified by a CA
Proof of residence Bank account statement or latest electricity bill or latest mobile or telephone bill or latest credit card statement or latest LIC policy or insurance premium receipt or employers letter certifying the current mailing address or latest NSC or other similar instruments indicating the address or existing house lease agreemen Bank account statement or latest electricity bill or latest mobile or telephone bill or latest credit card statement or latest LIC policy or insurance premium receipt or latest NSC or other similar instruments indicating the address
Bank statement or Pass Book where salary or income is credited Last 6 months Last 6 months
Guarantor form Optional Optional

 

Loan Amount
Limits on home loan :
  • Minimum - Rs 5 lac
  • Maximum - Rs 10 Crores
Margin :
  • 20% in the case of home loans
  • 25% in case of improvement or renovation loans

 

Terms and Conditions :
Repayment
  • Repayment period for home loans shall not exceed 20 years
  • Repayment period of pre-allotment bookings of housing loans shall not exceed 1½ year
  • Repayment period of improvement or renovation or extension of existing property shall not exceed 10 years
Security
  • Equitable mortgage of the property to be financed by way of deposit of title deeds.
Disbursement
  • The loan will be disbursed in full or in suitable installments, taking into account the requirement of funds and progress of construction, as assessed by the Bank directly to seller or builder or local development authority or supplier of materials etc.
Processing charges or admission fee
  • Processing fee equivalent to 0.5% of the loan amount (applied for) will be collected along with the application form (taxes as applicable).
Penalty for early closure
  • Nil
Other Conditions
  • Bank reserves the right to reject any application without assigning reasons thereof
  • The applicant will undertake to inform the Bank as and when there is a change in address or employment

The terms and conditions mentioned above and elsewhere under the scheme are subject to modification from time to time solely at Bank's discretion.


 

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      Spotlight Rainbow

      Location Madhyamgram

      City Kolkata

      1, 2 & 3 BHK

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