FAQs – Amuli

[vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ac212d” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” top_padding_tablet=”30%” constrain_group_3=”yes” bottom_padding_tablet=”30%” top_padding_phone=”40%” constrain_group_5=”yes” bottom_padding_phone=”40%” text_color=”custom” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” color_overlay=”#000000″ advanced_gradient_angle=”0″ overlay_strength=”0.3″ gradient_direction=”radial” shape_divider_color=”#ffffff” shape_divider_position=”bottom” shape_divider_height=”45%” bg_image_animation=”zoom-out” parallax_bg=”true” parallax_bg_speed=”fast” shape_type=”straight_section” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”0px” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”radial” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”center” animation_type=”default” bg_image_animation=”zoom-out-reveal” parallax_bg=”true” parallax_bg_speed=”fast” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” zindex=”20″ overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”0px” background_color_opacity=”1″ background_hover_color_opacity=”1″ font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”Do you have any questions?” font_container=”tag:h1|text_align:left” use_theme_fonts=”yes”][vc_custom_heading text=”We are here to help.” font_container=”tag:h3|text_align:left|color:%23f9bf14″ use_theme_fonts=”yes”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”100″ bottom_padding=”100″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” advanced_gradient_angle=”0″ overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]

1. THE PROPERTY, TITLE & OWNERSHIP

[/vc_column_text][toggles style=”minimal”][toggle color=”Default” title=”1.1. Who owns the property and are there any other interested parties?”][vc_column_text]The property is registered in the name of CIC Insurance Group Limited. The only other interested party is Co-op Bank, where the property is charged.[/vc_column_text][/toggle][toggle color=”Default” title=”1.2. What will be offered to the plot buyers as proof of ownership?”][vc_column_text]Documentation to be issued to buyers as proof of ownership will be certificates of title.[/vc_column_text][/toggle][toggle color=”Default” title=”1.3. What is the size of the land?”][vc_column_text]The overall size of the property is 200 acres divided into 4 blocks each of approximately 50 acres (including the portion of the spine road allocated to the particular block)[/vc_column_text][/toggle][toggle color=”Default” title=”1.4. Distance from the Nairobi CBD and access the JKIA?”][vc_column_text]The distance when accessing the CBD through the Kiambu Road (through Kirigiti) and Kamiti is 25.2 Km. If one opts to use Thika Road, Roysambu, Kahawa West and Kamiti the distance covered will be 24.4 Km. If the route from Nairobi and via Thika Road then through exit 12 and Membley is used then one will expect to cover 33.7Km.[/vc_column_text][/toggle][toggle color=”Default” title=”1.5. When will the titles/leases to the plots under purchase be issued to buyers?”][vc_column_text]The property is charged to Co-operative Bank and the discharges and transfers will be done in batches for efficiency and optimization of resources. Therefore, no definite timeline can be quoted. The process is anticipated in any case to be concluded within 24 months after the execution of the sale agreements. Possession will however be given immediately on completion of payment. CIC will issue a buyback guarantee to the buyer to cover any failure to complete the titling process.[/vc_column_text][/toggle][/toggles][vc_column_text]

2. PURCHASING THE PLOTS & FINANCING OPTIONS

[/vc_column_text][toggles style=”minimal”][toggle color=”Default” title=”2.1. Can a customer buy a plot at Ushirika Gardens cash i.e. without taking a loan?”][vc_column_text]Yes. Cash buyers are welcome to purchase these properties, and the normal Know Your Customer and Customer Due Diligence should be done to verify the customer’s identity and the source of funds.[/vc_column_text][vc_column_text][/vc_column_text][/toggle][toggle color=”Default” title=”2.2. Why is there price differentiation for the various plots in the project?”][vc_column_text]The plots available are in three typologies – Normal, Elevated and Waterway. The differentiation arises from the plots different locations, which give them their unique views and proximity to the different features in the property.[/vc_column_text][vc_column_text][/vc_column_text][/toggle][toggle color=”Default” title=”2.3. Does this project have financing partner for the end buyers?”][vc_column_text]Our financing partner for the buyers is Co-op Bank. You can visit any of the Co-op Bank Branches for more information on the financing terms.[/vc_column_text][vc_column_text][/vc_column_text][/toggle][toggle color=”Default” title=”2.4. What are some of the features of the financing from your financing partner?”][vc_column_text]- Purpose of loan: Plot Purchase, Plot purchase and Build
– Financing Limit: Up to 100% of the purchase price
– Security: Same plot under purchase
– Tenure (Plot Purchase): Up to 8 years (96 months)
– Tenure (Plot Purchase & Build) Up to 20 years (240 months)
– Buyers’ categories Employed for a maximum of 20 years subject to retirement age
– Self employed: For a maximum of 15 years.[/vc_column_text][vc_column_text][/vc_column_text][/toggle][toggle color=”Default” title=”2.5. Can I get financing from other financial institutions i.e. banks or Saccos?”][vc_column_text]-Yes, a buyer is free to seek financing from other financial institutions, on condition that the funds/loan proceeds will be paid to the seller within 90 days.
– Considering that the leases to the plots are yet to be processed, Co-op Bank is currently financing buyers using the same property as collateral at favourable terms.[/vc_column_text][vc_column_text][/vc_column_text][/toggle][toggle color=”Default” title=”2.6. Is there any price negotiation, discounts and hire purchase options?”][vc_column_text]The plots that are sized to approximately ¼ acres each are going from KES 7.85M with 2 payment options.
– Option 1: Bank financing via Co-operative Bank
– Option 2: Cash payment[/vc_column_text][vc_column_text][/vc_column_text][/toggle][toggle color=”Default” title=”2.6. Is there any price negotiation, discounts and hire purchase options?”][vc_column_text]The plots that are sized to approximately ¼ acres each are going from KES 7.85M with 2 payment options.
– Option 1: Bank financing via Co-operative Bank
– Option 2: Cash payment[/vc_column_text][vc_column_text][/vc_column_text][/toggle][/toggles][vc_column_text]

3. OTHER COSTS

[/vc_column_text][toggles style=”minimal”][toggle color=”Default” title=”3.1. Who pays for the associated costs e.g. the legal fees? are they included in the purchase price?”][vc_column_text]The property buyer will have to pay the additional costs that will be incurred in the transaction. The legal fees and associated fees are not included in the sale price for the plots.[/vc_column_text][/toggle][toggle color=”Default” title=”3.2. What are costs associated with purchase of plots through Bank financing?”][vc_column_text]- Commitment fees for the loan.
– Stamp Duty for transfer of property – 4% of property value.
– Stamp duty for registration of charge – 0.1% of the loan amount.
– Legal Fees – between 1.5% and 2% of the loan amount.
– Valuation fees – approximately 0.25% of the Property Value.
– Insurance fees – for life cover only over the applicant’s life for plot purchase only, and both life and fire (and other perils) over the property for the buy plot and build
[/vc_column_text][/toggle][toggle color=”Default” title=”3.3. What is the estimate for the closing costs?”][vc_column_text]The closing costs range between 7% and 9% of the property price and cater for Commitment fees, Valuation and Legal fees, Stamp duty and Insurance.[/vc_column_text][/toggle][toggle color=”Default” title=”3.4. Will there be service charge and what will it cater for?”][vc_column_text]As a gated community, yes, there will be service charge payable by the buyers/residents of the project. This will be to cater for the following services and any additional services that may be proposed by the common interest organization:

Lighting for the common areas,
Security,
Landscaping and cleaning for the common areas,
Garbage management,
General maintenance of the shared services such as borehole and water reticulation systems

[/vc_column_text][/toggle][toggle color=”Default” title=”3.5. How much will be payable in service charge and in what frequency?”][vc_column_text]The service charge modalities will be determined by the common interest organization that shall be formed to run the common services and manage the estate[/vc_column_text][/toggle][/toggles][vc_column_text]

4. WHAT DO I GET WHEN I PAY FOR MY PLOT

[/vc_column_text][toggles style=”minimal”][toggle color=”Default” title=”4.1. What infrastructure developments will you offer onsite?”][vc_column_text]Ushirika Gardens is a controlled, gated community that comes complete with the following amenities:

Perimeter enclosure either by way of masonry walling, steel mesh fencing or palisade walling.
Internal circulation roads initially finished to murram standard and eventually paved with suitable precast concrete paving blocks. Roads to include drainage and footpaths.
Utilities including a borehole, water storage reservoirs and provision of power to the property.
Basic landscaping along streets and in public areas

[/vc_column_text][/toggle][toggle color=”Default” title=”4.2. Will there be a provision for internet connectivity on site and by which service provider?”][vc_column_text]Talks are ongoing with Tatu Connect to provide some utilities which include internet and telephony. Other service providers will ultimately be engaged to provide choices for homeowners. This would be at the homeowners’ cost.[/vc_column_text][/toggle][toggle color=”Default” title=”4.3. When will the project infrastructural works commence? i.e. roads, water and power reticulation etc?”][vc_column_text]Applications for approval of the infrastructural works will be made to the Kiambu County Government by the second week of March 2023 and it is anticipated that the approvals will be received in time to start the infrastructure works by end of May 2023[/vc_column_text][/toggle][toggle color=”Default” title=”4.4. Will there be a connecting road from the project to the main tarmac road?”][vc_column_text]There is an all weather road from the upper boundary of the property that connects Block C to the current site access. Kiambu County Government have a plan to construct a 60 metre wide road that will pass at the top of the property and will give access to the site[/vc_column_text][/toggle][toggle color=”Default” title=”4.5. What Social Amenities are Available?”][vc_column_text]There are parcels allocated for the construction of schools on Blocks A and C. There are quality educational institutions within easy reach of the property including Nova Pioneer Primary School, Nova Pioneer Girls High School, Nova Pioneer Boys High School and Crawford Schools.

Each block will have designated recreation areas and Blocks B and C will have grassed swales that shall be developed into parks that can be used for recreation by the residents

There is a police post situated less than 100 metres from the southern boundary of the property.[/vc_column_text][/toggle][/toggles][vc_column_text]

5. WHAT CAN I DO WITH MY PLOT

[/vc_column_text][toggles style=”minimal”][toggle color=”Default” title=”5.1. Will the plans and structural drawings for the proposed designs be sold to the plot buyers?”][vc_column_text]A library of 6 building typologies specific to the plot types is being developed and this will be offered to property buyers at a subscription once the process is completed. The payment of the subscription will get the buyer the following:-

Site Plan
Floor Plans
Exterior Renders
Design Sections
Elevations
Landscaping Concept
Schedule of Areas
Schedule of Finishes
Elemental Cost Estimates

[/vc_column_text][/toggle][toggle color=”Default” title=”5.2. What is the Zoning of the Property”][vc_column_text]The land is zoned into 4 blocks; A, B, C & D. Blocks B, C & D are purely residential with community amenities while Block A is mixed use i.e. residential and commercial. Sales start with Block C which has conditions regulating plot ratio and type of construction.[/vc_column_text][/toggle][toggle color=”Default” title=”5.3. How soon can a buyer start construction on the property?”][vc_column_text]A buyer is welcome to start developing the property as soon as the plot is handed over to him/her i.e. once the purchase price is fully paid to the seller.[/vc_column_text][/toggle][toggle color=”Default” title=”5.4. Is there a timeline within which a buyer must develop the plot?”][vc_column_text]The period within which a buyer must commence development of the plot is contained in the development guidelines and is prescribed as 12 months[/vc_column_text][/toggle][toggle color=”Default” title=”5.5. Are there restrictions on how a buyer will develop the plot he/she will buy?”][vc_column_text]Yes, this is a controlled/gated community, which is envisioned to house single-family residential homes. For this reason, there are rules and regulations for the local association that guide the do’s and don’ts for the buyers and residents of the property. These are contained in the development guidelines which shall be shared with all prospective buyers

Separately, we shall have a commercial zone, where one could invest in a commercial property of their choice.[/vc_column_text][/toggle][/toggles][toggles style=”minimal”][toggle color=”Default” title=”6. HOW CAN PERSONS IN THE DIASPORA GET A PIECE OF THE ACTION?”][vc_column_text]Diaspora sales agents are currently being recruited and will be charged with promoting and selling the property to Kenyans in the diaspora. For persons in the diaspora who would either want to purchase the property before the appointment of the sales agents or prefer to deal directly with the Property Hub or CIC, queries may be addressed to [another@goodhome.co.ke or salesperson@CIC.co.ke][/vc_column_text][/toggle][/toggles][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” disable_element=”yes” advanced_gradient_angle=”0″ overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1469747464544{margin-top: 80px !important;}”]

Managing Your Account

[/vc_column_text][toggles style=”minimal”][toggle color=”Default” title=”How do I manage my account?”][vc_column_text]Lorem ipsum dolor sit amet, consectetur adipiscing elit. In eget bibendum libero. Etiam id velit at enim porttitor facilisis. Vivamus tincidunt lectus at risus pharetra ultrices. In tincidunt turpis at odio dapibus maximus.[/vc_column_text][/toggle][toggle color=”Default” title=”How do I cancel my account?”][vc_column_text]Lorem ipsum dolor sit amet, consectetur adipiscing elit. In eget bibendum libero. Etiam id velit at enim porttitor facilisis. Vivamus tincidunt lectus at risus pharetra ultrices. In tincidunt turpis at odio dapibus maximus.[/vc_column_text][/toggle][toggle color=”Default” title=”How secure is the admin area?”][vc_column_text]Lorem ipsum dolor sit amet, consectetur adipiscing elit. In eget bibendum libero. Etiam id velit at enim porttitor facilisis. Vivamus tincidunt lectus at risus pharetra ultrices. In tincidunt turpis at odio dapibus maximus.[/vc_column_text][/toggle][toggle color=”Default” title=”Can I send more than one at a time?”][vc_column_text]Lorem ipsum dolor sit amet, consectetur adipiscing elit. In eget bibendum libero. Etiam id velit at enim porttitor facilisis. Vivamus tincidunt lectus at risus pharetra ultrices. In tincidunt turpis at odio dapibus maximus.[/vc_column_text][/toggle][/toggles][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_global_section id=”442″][/vc_column][/vc_row]