Dear Ma'am,
1. Collect all the evidences against your husband specially regarding his extra marital relationship. Keep all your chats, call recordings, photos, emails, bills etc safe with you. They will come in handy later in any legal proceeding.
2. After one year you can issue a legal notice calling him to sign the petition for mutual divorce and negotiate the terms of settlement agreement. If he does not agree for mutual divorce you can file a petition for contested divorce on ground of mental cruelty and adultery.
3. If is qualified and capable of earning, you don't need to pay him a penny. You can buy properties wherever you wish to. They will be your absolute properties. A capable husband is not legally entitled to a share in wife's property as long as she is alive.
4. Based on the facts stated, he cannot file any criminal cases against you.
5. Legal implications of an agreement to stay separately are:
- You will not be able to claim any maintenance from him;
- If you enter into a relationship with another man, your husband can initiate contested divorce of the ground of adultery.
- He will continue to remain your husband and upon your demise, he will be entitled to inherit your properties;
- You cannot remarry.
In the circumstances, the best option would be to obtain a mutual consent divorce. Till then you can separately without any formal agreement. You have a reasonable cause to do so.
Hope this answer is of some help to you.
Best wishes.