Cancellation of flat after agreement. Before flat selection.

Cancellation of flat after agreement Yes, it is possible that the builder can cancel your flat allotment in case of non-payment of installments. iv. I had sent a cancellation request on 30-Nov-14 and requested for refund. my purchased flat cancellation…. per month after allowing the developer a grace period of 90 days after the expiry Dec 31, 2022 · GST treatment on cancellation of contract/ agreement of sale of Flat/building or insurance policy where the buyer or insurer was not registered under GST. Nov 6, 2018 · The forfeiture also covers the holding and administrative costs incurred by HDB as a result of the flat cancellation. Hence, it is critical for buyers or sellers to give due attention to all the clauses while making or accepting offers. The property is being offered on "as is where is basis. Cancellation of registered sale agreement. The second party has refunded the Rs. Plz guide. 10 Use aboalarm to write the cancellation letter. In your case, the agreement provides for payment of the balance amount within 3 months, a condition which has been dishonoured by the prospective buyer. 2 crores. When a policy is canceled in this way, the insurance provider never assumes liability because the agreement is never put into effect. Q. You should follow proper rules and regulation and also show your reasonable cause. The person has to attach the original registered agreement and the originally registered cancellation deed along with the refund application. That's why I want to cancel my booking. Flat booking cancellation refund as per new RERA law; I have booked a flat in a pre-launch stage in Mumbai on Apr-16 and had a agreement where builder put a clause that if I cancelled the flat ,they will deduct 10% of the apartment cost. Jul 19, 2024 · Furthermore, resale flat buyers are eligible for more grants, which helps to soften the blow. Upon execution, neither Cancellation of flat booking. Jan 31, 2023 · Such complaints cannot be filed by the Promoters, in order to make the allottees adhere to the terms of the Agreements and force them to pay either the outstanding amount along with interest or to seek for cancellation of the Agreements for Sale so that the encumbrance created over the apartment or the flat is discharged and the Promoter is It is submitted by the learned senior counsel for the builder that as per the terms of the agreement, in a case where the buyer does not take possession after making the balance payment, the builder is entitled to deduct the earnest money as defined in the agreement as well as non-refundable advances and is liable to pay the balance amount, if Mar 30, 2024 · Cancellation of flat booking letter sample To help you write a polite cancellation letter, I have come up with a sample. If you need to cancel or change your application, please use our e-feedback form. , a law firm, "Section 13 of RERA Act prohibits promoters from taking an amount exceeding 10% of the flat/unit price as advance before entering into an agreement for sale and it also lays down that the agreement shall also include terms regarding forfeiture of amount by the buyer. 5 lakh booking fee, plus interest, to flat allottees after a ruling against the forfeiture of funds without Oct 27, 2023 · You can cancel a registered sales deed within 5 years of the agreement registration date. Initial Booking and Payment Each applicant will be invited up to 3 times to select a flat. Can I claim for complete refund. Why has MahaRERA changed the cancellation fees for homebuyers? However, in this case, the date of cancellation of the flat by the customer shall be considered as the relevant date for calculating the time limit of 1 year for refund, as the event that led to refund of taxes is the cancellation by the customer. Also if no agreement is done am i and builder bound to any rules of cancellation. 15 crore (1,15,00,110) and the couple paid Rs 13. no other deduction is mentioned in the cancellation clause. ft. 0 % after 61 days of booking; Q. Homebuyer (Complainant) booked a flat in the builder's (Respondent) project named Smart World Orchard situated in Sector 61, Gurugram. Since the original agreement was registered, the cancellation will also have to be registered," said Gupta. Visit Now! Oct 20, 2024 · What Does Flat Cancellation Mean? Flat cancellation occurs when a policyholder cancels an insurance policy on its effective date, which is the date the policy is intended to begin or the renewal date. NOw plinth is completed, but because of my poor financial condition i have to cancel my flat booking. If you are interested in living in flats, here is a list of apartments for rent in Dubai. 3. Legal notice for cancellation of sale agreement is a formal intimation to another person, informing them of the intention to cancel the sale agreement. When a buyer decides to cancel flat booking before signing the agreement, MahaRERA has laid down specific guidelines to streamline the refund process. I had booked a property in May 2014 in Kolkata and completed the agreement with 20% of the Flat value. There is usually a notice period of 1 to 3 months. Cancellation of flat sale agreement and refund; Sir, 1. Nov 2, 2024 · Cancel or move your contracts. After some years builder cancelled the agreement and paid Rs 1,20,00,000/- as compensation for cancellation of flat booking. Now for cancellation builder is charging 5% of property value which amounts to Rs 5,00,000L and i have already paid Rs 22,00,000 in cheque format to him. You need to provide a genuine reason for the cancellation of sale deed. com A has given Rs 3 lakh as booking amount for a flat worth Rs 1 crore to B. Furthermore, reading the details about the RERA law in Dubai will also help in this regard. After further inspection, several issues with the property have come to light that make it impossible for me to proceed with the purchase. ] Date… The Managing Director, Company name… Company Address… Sub: Letter for Flat Booking Cancellation. You must know your rights if the other party fails to honour the deal. After cancellation, you may apply for a refund within 6 months of the registration of the cancelled sales deed. Nov 6, 2024 · The flat's cost was Rs 1. In 2015, an allotment letter was issued, and OP promised to hand over the possession within 24 months. Hello Sir, we would like to know the process of cancellation under RERA act bangalore. I made a sale agreement to buy a flat by paying Rs. Aug 29, 2024 · The GST rate on cancellation charges is typically the same as that for the original property purchase – 12% for under-construction properties. Key Elements to Include: Personal details, flat details, booking references, cancellation reasons, refund request, politeness. May 15, 2018 · Any amount deposited towards the cost of the flat shall be refundable without interest in such a case of cancellation after deduction RFA 370/2017 Page 10 of 22 of penalties. After which, complainants had bought a flat in the project Imperial Courts. 4,49,574/- on March 1, 2019 towards price of the Flat to Promoter. 10 lakhs and applied loan in DHFL and got the loan sanction of 25 lakhs out of which 20 lakhs have been released to builder and emi has started for me When i applied the loan in SBT they rejected the application stating that flat has more than 75% deviation which the builder has not Cancellation of flat after paying booking amount; Hello sir, I have paid 3. Nov 7, 2019 · Cancellation of flat (after signing Agreement for Lease) For those who can't see the file , as below : 3 We fully understand and agree that from this date onwards, we will have no further claim to the Flat and will comply with administrative measures that are applicable under the HDB’s prevailing policy. The allottee can approach the RERA Authority for relief if he feels aggrieved by such cancellation and the cancellation has not been done in accordance with the terms of agreement for sale and without any sufficient cause. If you do not select a flat by the 3rd time, your application will expire. Make sure to read the cancellation clause in the sale agreement to understand the amount the builder is liable to refund in case of a cancellation if any flat booked in service tax regime and service tax paid on certain part of the consideration, is cancelled in GST regime and the entire amount along with taxes is refunded to the customer then Jan 5, 2023 · refund to unregistered person on cancellation of agreement or contract for supply of service [rule 89(2)(ka), 188/20/2022-gst dt 27th dec 2017] Apr 12, 2020 · I’m in a dilemma re. You must cancel them. The cancellation of an agreement to sell (sale agreement) depends on the terms mentioned in the agreement. May 30, 2024 · Additionally, Section 31 of the SRA allows a court to cancel an instrument if it is void or voidable. The total value of the flat is 1. - However, if there is not condition of eviction is mentioned in the agreement, then the landlord can terminate the agreement after issuing a legal notice under Section 106 of the Transfer of Property Act, 1882. To cancel a flat booking, review the cancellation policy in the agreement, communicate your decision in writing with relevant details, and inquire about potential refunds or rescheduling options if applicable. The cancellation fee, including GST, must be clearly stated in the cancellation agreement provided by the builder. If the Vendee does not fulfill the terms of the Agreement then Vendor by serving a legal notice can cancel the agreement even if it is registered and can sell the property to any other person. A developer can cancel an allotment, only in accordance with the terms mentioned in the agreement of sale. I booked flat at Navi mumbai, near Kharghar. One can send legal notice to the other party stating your intention to cancel the sale agreement. See full list on housing. Unregistered person had entered into an agreement/ contract with a builder for supply of services of construction of flats/ building, etc. How long does it typically take to process a cancellation of flat booking? The processing time for cancellation of flat booking may vary depending on the real estate company's policies and procedures. . It must be signed by both, the buyer and the seller. Buyers should ensure they receive a detailed invoice that includes the GST component. We were sent by mail agreement after booking amount and first installment payment which is The Maharashtra state government has amended section 48 (pertaining to property sales) of the Bombay Stamp Act, 1958, to allow flat buyers to get stamp duty refunded up to two years after the cancellation of the agreement with the builder 2) Jul 19, 2024 · Background Facts. Dear Sir, May 25, 2023 · It cancels the property transfer that had taken place from the buyer to the seller. I. Alternatively, you may also consider applying for SBF if you want a newer flat in a particular estate, but know that you can only apply for one after canceling your BTO flat application. In your case the agreement provides for payment of the balance amount within 3 months, a condition which has been dishonoured by the prospective buyer. Apr 29, 2024 · According to Shruti Maniar, Partner, Solomon & Co. Yes, you can cancel the agreement to sell as the purchaser has failed to comply with the terms and condition of the agreement. Flat buyers who cancel their application after signing the Agreement For Lease but before key collection will receive a partial refund of the downpayment made for the flat, if the downpayment was more than 5% of the flat price. Issue At Hand hi i have booked under construction flat in pune in 2014, till today i haven't received the flat as per agreement possession date was 30 months from date of agreement which is already lapsed in march 2018 , looking at current project situation i am not sure when flat will be constructed ,now i want to cancel the flat ,there are no cancellation Feb 13, 2024 · Question Answer; 1. 5,61,967/-. Jun 29, 2021 · National Consumer Disputes Redressal Commission (NCDRC): Coram of C. Due to some family problem (medical emergencies), I decided to cancel the booking of the flat, I haven t made any agreement with builder, I have question that shall I get 100% of the amount I paid to book after cancelation of flat? The forfeiture also covers the holding and administrative costs incurred by HDB as a result of the flat cancellation. On account of medical emergency in the family of Allottees, they decided to cancel the flat booking. In this video I have Jan 10, 2023 · However if the builder is selling such flat after obtaining the occupancy certificate from the concerned revenue authorities like Corporation, Municipality, Panchayath etc. Before flat selection. 5) if builder financial position is not sound you won't get refund without filing complaint before consumer forum In Germany, the following applies: After a rental agreement has been signed, the law does not provide for early termination in the case of fixed-term rental agreements, though. Mar 29, 2024 · The MahaRERA accordingly passed an order in favour of the Complainant for cancellation of the Agreements for Sale with the remaining 4 Respondents (flat purchasers/allottees) due to the default committed by them in making the timely payments to the Complainant (Promoter/Developer) as envisaged in their respective Agreements for Sale. Here’s a step-by-step breakdown: 1. In such cases, the policyholder usually has not paid any new premiums, eliminating the need for a refund. GROUND OR REASON OF REFUND. 75lac only. The court may declare the instrument void or voidable and order its cancellation, relieving the party from obligations or potential harm. Issue At Hand hi i have booked under construction flat in pune in 2014, till today i haven't received the flat as per agreement possession date was 30 months from date of agreement which is already lapsed in march 2018 , looking at current project situation i am not sure when flat will be constructed ,now i want to cancel the flat ,there are no cancellation May 30, 2024 · Additionally, Section 31 of the SRA allows a court to cancel an instrument if it is void or voidable. C-3, Consumer Complaint No. For eg. Rather, it is terminated before the policy’s inception. Aug 1, 2024 · In case of cancellation of a deal for the purchase of a property and for which the agreements have already been registered, the Maharashtra government allows a longer period of two years from the date of the agreement, for claiming the refund of the stamp duty, subject to certain conditions. booking amount was 11lacs. If one wants to cancel a sale agreement, a formal/legal way of doing so is the best option. Now builder is saying that he will refund me 1. However, it must be stated in the terms and conditions of the builder-buyer agreement. Cancellation and refund for flat; We agreed to purchase flat for 3,68,000,00. It details that part of the advance money paid by the purchaser will be refunded, with a deduction made as compensation for the vendor. 00 in one of the projects in Faridabad - Haryana which is ready for possession. If the buyer wants to cancel the booking of flat after the agreement is done and the property is still under construction. 5 lakh further payment. While paying booking amount they said next insatallment after 7 days(50% of balance)and remaining balance within next 12 days. Despite getting more than 10% of the flat's cost, the promoter again asked for Rs 6. The builder has agreed to approve cancellation, but GST paid will be deducted from the booking amount which is 8% of the Sep 5, 2024 · In the present case the agreement to sale was executed and registered between the Promoter and Allottee and it said that in case of termination, the Parties will execute a deed of cancellation within 15 days. After the seller or lessor has notified the buyer or lessee of the cancellation, the seller's or lessor's obligations are discharged and he or she can pursue remedies available for breach [UCC 2-703(f), 2A-523(1)(a)]. It is essential to review the terms of the property sale deal and seek legal advice before cancelling it to understand the rights, obligations, and potential consequences involved. What is the fee to file a complaint under MahaRERA? Dec 20, 2022 · What are the important facts about the flat cancellation by the builder? 1) The builder has no authority to cancel the agreement due to the buyer's misbehaviour if the seller and buyer have signed a sales agreement. While a sale deed cannot be cancelled, only transferred once executed, a sale agreement can be cancelled or revoked by registering another agreement and stamping it duly after paying nominal stamp duty. construction is not completed till now. If you have paid stamp duty for an unregistered property, you must apply for reimbursement within six months from the payment date. 75Lac as a booking amount to builder. Homebuyers frequently decide to back out of their apartment reservations after making them with their builder for several reasons. The builder can’t cancel it if the buyer has fulfilled all requirements and conditions of the agreement. now, sale agreement has a cancellation clause where in on cancellation notice seller is supposed to refund after deducting 4% as liquidated damages. Jun 8, 2022 · A sale agreement or agreement to sell is a contract between a buyer and the seller. Get free answers to all your legal queries from experienced lawyers & expert advocates on property & other legal issues at LawRato. When breaking a lease agreement early in Dubai, renters should be aware of the following postulates: Keep the Property in Pristine Condition May 17, 2021 · This Clause of the allotment letter is in contravention of Clause 20(b) of the Flat Buyer's Agreement, Ex. OR In the application its written that if we cancel the booking before agreement then I have to pay 1% of sale value which is 60 Lakhs. An agreement for sale was executed between Oct 2, 2024 · The Maharashtra Real Estate Appellate Tribunal has mandated a developer to refund Rs 13. If you wish to cancel the sale deed, you need to get an order regarding the same from the Civil Court and show it to the Registrar who takes the cancellation process forward. This document cancels an agreement of sale between two parties for agricultural land measuring 4 acres. This property is registered under RERA act. Once you have successfully cancelled the agreement then you must apply start stamp duty refund procedure and submit the stamp duty refund application within 6 months from the date of Cancellation deed. 10,00,000. Please note that an Agreement for sale cannot create claim for title. Furthermore, just a percentage of the unit’s cost will be taken between 16 and 30 days, 1. 2) the terms of agreement needs to be perused to advise best course of action . After flat selection Issue a cancellation notice to the builder for cancellation of the flat and ask the builder to refund the balance amount the builder can only deduct 10 percent of the amount. In ordinary course of nature. Jul 22, 2023 · One of the most common queries of home buyer is about cancellation charges as per RERA and about refund on cancellation of flat booking. 07 of 2021 27 which states that for delay in delivery of possession, the allottee is entitled to compensation of ₹5/- per sq. 05Cr OC is done and ready for possession since Apr2020 Planning to cancel flat – Oct 2020. Dear Sir, I booked one flat in Pune a year back, also gave advance of 1 Lak. You can cancel contracts on the company’s website, or in writing. About six months after booking the flat, you would have been invited to sign the lease agreement. Nov 29, 2023 · November 29, 2023: Citing a recent Maharashtra Real Estate Regulatory Authority circular that indicates that a developer can only deduct 2% of the entire property amount in the case of booking cancellation by a home buyer, the MahaRERA issued an order directing Raymond Realty to take away 2% of the overall flat cost without charging interest to an allottee. 5 lakh as booking amount, which is more than 10% of the flat's cost. 4. Due to some family problem (medical emergencies), I decided to cancel the booking of the flat, I haven t made any agreement with builder, I have question that shall I get 100% of the amount I paid to book after cancelation of flat? The terms and conditions of the agreement usually contain the description of the property, sale price, time of sale, the conditions that need to be complied before and after the sale, any contingency, cancellation clauses etc. 10 lakhs as part payment, but now both parties have agreed to cancel the sale due to personal reasons. Cancellation of flat booking - after agreement, answered by expert property lawyer. From the records, we find that during survey u/s 133A, it was found that the assessee has debited expenses in the P&L Account under the head “indirect expenses” an amount of Rs. " Jan 23, 2023 · Yes, it is possible that the builder can cancel your flat allotment in case of non-payment of installments. Payment problems Dec 26, 2023 · The cancellation of the agreement has to be registered as per the law for the refund to be accepted and approved. Cancellation of flat booking - after agreement; The summary of the situation 1. 2. You can thus proceed to cancel the agreement by issuing a lawyer's notice to him. while buying a property people enter into the agreement with seller. Cancellation of agreement to sale; I want to cancel the agreement of sale because in this agreement developer added some wrong clause s like act of Maharashtra ownership 1970 2a. If you stay in Germany Cancel Flat Booking Before Agreement: Key Guidelines. More from Knowledge Centre Jul 22, 2024 · It is essential to make note of any such clause in the sale agreement and refer to it as required while exiting the project due to any reason that does not concern the developer. Mar 17, 2021 · The Allottees also paid Rs. It serves as a written notice to end the arrangement and typically includes the reasons for cancellation and any necessary details for a smooth transition. Its also mentioned in the application that the allotment of flat will confirmed only after signing of agreement. At the signing of lease agreement, you would also have paid the downpayment (at least 5% of the purchase price), as well as the stamp duty and legal fees. All parties in the original contract must sign the cancellation agreement. Flat Rate Cancellation. After booking a flat but before signing the Agreement for Lease: Option fee: You must wait out a 1-year period from the date of cancellation of the flat application and ensure the full forfeiture fee has been paid before you may apply or be included as an essential occupier for: A new flat; A resale flat with CPF housing grant(s) Nov 19, 2024 · Topic Details; Purpose of the Letter: Officially request the cancellation of a flat booking before signing the agreement. You can modify this format as your requirement. The buyer can get up to 98% of the stamp duty as a refund. - Further, the landlord cannot increase the rent during the period of lease agreement , if the agreement having no clause for the same. It outlines that the purchaser no longer wishes to purchase the property and the vendor has agreed to cancel the sale. 4) seek refund within period of 15 days of receipt of cancellation notice . Aug 8, 2014 · We have heard the parties and gone through the orders of the authorities below. May 18, 2021 · The complainant OP duped the complainant when he complained of the delay in construction, when OP suggested the complainant of buying another flat. Booked flat in Apr 2019 Booking amount paid – 28lacs Flat cost – 2. Sep 24, 2024 · Thus, dishonouring a sale agreement can be defined as a situation when a buyer or seller breaks an agreement or a promise without notifying the other party. Now after booking I got the legal documents and found that there was litigation in the land. What are the grounds on which a sale agreement can be dishonoured? Here are some instances when either the buyer or seller can cancel or dishonour a sale agreement. 5 percent between 60 and 61 days, and two percent after 61 days. Sep 3, 2024 · Mutual agreement: Lastly, a sale can also be cancelled if both parties mutually agree to cancel the deal due to unforeseen circumstances or other valid reasons. Nov 13, 2021 · In your letter, include your name, the details of the flat booking, the reason for cancellation, and a request for the refund process, if applicable. in the agreement there is no mention that cancellation policy applicable after 15/90 days of agreement date. No builder agreement has been signed so far. Oct 21, 2021 · What is a Cancellation Agreement? A cancellation agreement is an agreement where the parties legally end their contractual relationship and the cancel the contract. in case builder refuses to cancel and refund complaint before the designated RERA authority in your jurisdiction after 45 days builder need to pay interest on the amount. A party believing that the instrument could harm them can file a suit for its cancellation. That is all about the tenant’s early termination of lease in Dubai. Unless there was an agreement signed, entire amount should be refunded back to you Hasn't OP mentioned that they have signed an agreement at the time of booking. Sep 12, 2024 · Hi, In my flat booking agreement, cancellation policy is included but there is no mention of duration after which policy will be applicable. Compensation paid on cancellation of allotment of flat; A flat was booked with a builder and allotment letter was received and allottee paid the full amount of Rs 8,60,500/- flat to the builder. In exceptional cases extraordinary termination is possible, for example, if the tenant is denied access to the apartment or is not granted access in time, or if there is [Here briefly focus on sample Flat Booking Cancellation Letter. What are my options. / ready to occupy and after that any sale agreement or sale deed executed then in such circumstance it will be treated as supply of immovable property which is outside the 1. We agreed and signed on this arrangement. They have signed an agreement that if they cancel after 1 month from the time of booking, then 10% of total value will be deducted. This is a SRA project ,and I can't see any progress. The cancellation of an agreement to sell depends on the terms mentioned in the agreement, 2. 31,37,341/- for excess payment refund in AY 2012-13. At this juncture, it is important to note that a builder-buyer agreement is not created until the buyer pays at least 10 per cent of the property value. He is not giving completion certificate. Nov 7, 2024 · Subject: Cancellation of Property Purchase – [Property Address] Dear [Seller’s Name], I am writing to cancel the purchase agreement for the property located at [Property Address], signed on [Date]. The first party had received Rs. If cancellation would not have happened, the refund claim would not have arisen at all. I hope this will help you: The Managing Director, Name of the Builder Address of builder’s office Sub: Request for Cancellation of Flat Booking Sir, This letter is a request to you to consider cancelling a flat that I As per Section 11(5) of the RERA Act, 2016, the promoter may cancel the allotment only as per the terms stipulated in the agreement for sale. Cancellation procedure Allotment cancellation by the developer. 10 lakhs to the first party, and both parties have relinquished all rights and claims related to the property and The Uniform Commercial Code (UCC) has been adopted in whole or in part by the legislatures of all 50 states. At this stage, if you choose to cancel your BTO application, the cost would be higher. Can the builder cancel the flat booking of a buyer? A. I will tell you how to cancel registered agreement of sale. 'Building is partially completed' is written in the occupancy certificate. Sep 1, 2020 · If you have registered a sale agreement, then you must register a cancellation deed within 5 years from the date of sale agreement. After you have been through all the important details, you can check out villas for rent in Dubai. An agreement whether registered or not can be cancelled on breach of its terms. Flat booking cancellation refund as per new RERA law; I had paid a booking amount of Rs. Your internet, telephone and insurance contracts don’t end because you move. 3) let lawyer draft your letter forc cancellation of the agreement . Aug 15, 2024 · Early tenancy contract cancellation could be the only way forward if the problems are not resolved THINGS TO KEEP IN MIND WHEN BREAKING A LEASE AGREEMENT IN DUBAI EARLY. In case A changes his plans and goes for cancellation, B will have to return him the entire amount. Oct 30, 2023 · 2. Accordingly, they sent an e-mail to the Promoter requesting to cancel the flat booking and to refund the total amount of Rs. Can I cancel my flat booking after signing the agreement letter? Absolutely, you have the right to cancel the flat booking even after signing the agreement letter. As there is no agreement how can i trust the word from builder if deducted value is 5% or some xyz %. The agreement specifies the parties, the cancellation reasons, and how and when the cancelation takes place. Nov 24, 2023 · MahaRERA directs Raymond Ltd to deduct 2% of flat cost without interest, following cancellation of booking; couple sought refund after paying Rs 6 lakh; developer forfeited entire amount; couple This document is a deed of cancellation that cancels an earlier agreement for sale of a property between two parties. Dec 20, 2024 · Buyer has executed sale agreement for purchaing a flat and paid 30% advance in a partial payment plan schedule. 6 days ago · Answer: A flat cancellation letter is a formal document used to terminate or cancel a contract or agreement related to the purchase or rental of a flat or apartment. It has also stipulated that if developer fails to give the possession of the apartment within the stipulated time, the homebuyer can terminate the agreement and is entitled to refund the amount paid with interest in 45 days of such termination on which interest is payable @ Highest Marginal rate of SBI (State Bank of India) plus 2%. Sale agreement Oct 3, 2022 · The rule states that homebuyers would not be penalised if they cancel within 15 days of booking. Viswanath (Presiding Member) and Justice Ram Surat Ram Maurya (Member) decided an issue with regard to handing over of possession of flat and cancellation of sale agreement in a builder — buyer dispute. We paid next installment as agreed. Flat rate cancellation is a term used to describe a type of car insurance termination. He is not giving Xerox of power of attorney. onjt fslnsovn hdswj lohe mzg iboyxbx col kkbpnvm dshtc fppe