Smart Shelving Ideas for Your Living Room

Does your living room need an overhaul? Have you lost that loving feeling for your living room? Chances are it does not have enough storage space. Keep your living room clutter free with storage that is handsome and handy. Some of the ideas below will help you to get that relaxing vibe again and help you remove or organize the unappealing clutter.

Smart Shelving Ideas for Your Living Room

Smart Shelving Ideas for Your Living Room

Fill a wall with shelves

Smart shelves provide a combination of storage space for DVDs and books, as well as surfaces that can be used to display photographs and accessories. Breaking shelves into areas makes sure that they don’t overwhelm the space. Paint the back of a shelving unit in a bright stand-out color so that your wall of books becomes the focal point of your living room. [Read more…]

Co-signing a Home Loan? Here’s All You Need to Know

Home is really big ticket item for a middle class individual as it entails several financial commitments. Mortgage loan, or simply a home loan, is also a huge commitment and involves a whole bunch of paperwork. But the most important thing is the income and credit score after which you qualify for a loan. For those who have an income lower than the eligibility levels, the banks also give the opportunity of inviting co-borrowers into your loan.

Co-signing a Home Loan? Here's All You Need to Know

Co-signing a Home Loan? Here’s All You Need to Know

Now, if you have been asked by a close friend or a relative to be a co-signer for his home loan, do not just jump into the deal. You might completely trust your friend, but you should not forget that it’s a dog eat dog world. So before you agree, here are a few facts related to co-signing that you must consider-

Responsibility Comes With Risks

Co-signing a home loan is not just a goodwill exercise that you can do for your friends. It puts on you as much responsibilities as the primary borrower himself. If the primary borrower fails to make the payment or if anything else goes wrong, you will be held equally responsible. The proceedings and payments of this loan will also have direct impact on your credit score. [Read more…]

The Perfect Nursery for Your Toddler

The decisions that come with having a baby and raising a tiny human being are endless. And also can be quiet daunting. Designing your little one’s nursery can actually be fun. The most important thing that you can do in creating this space is to design a nursery that will bring a smile to your face and help you relax and enjoy. After all, you are going to spend a lot of time in the room.

The Perfect Nursery for Your Toddler

The Perfect Nursery for Your Toddler

Here are a few ideas to set up a beautiful nursery for your growing kid-

Opt for neutral wall colors– Gone are the days when pink was the color for girls and blue for boys. Give your child the space to grow up in a world without any preconceived notions and limitations about gender. Instead use colors in accent pieces such as toys, pictures and rugs to add that vibrant color touch. Natural shades and soft colors affect your mood and will give your child a lot of space to work with accessories of different colors. [Read more…]

Is Wallpaper Right for Your Home?

A fresh paintjob of your home, within a year or two, has been a staple of Indian homes since ages. Each year, mainly during Diwali, the advertisement channels go berserk in reminding us to get our home repainted with the newest and finest paint out there. Taking note of its importance, repainting a home seems to be a tradition of its own in India. However, modern times are painting a new picture on this canvas for Indian households through the painting alternative, wallpaper.

Is Wallpaper Right for Your Home?

Is Wallpaper Right for Your Home?

Wallpapering homes has been long done in other parts of the world and is now a rapidly growing trend in India. And so, before plunging our walls into the world of wallpapers, it would be nice to go through its various aspects first and then decide for ourselves. [Read more…]

How GST Road Transforms Chennai Real Estate?

Grand Southern Trunk Road (GST) is one of the three most important roads in Chennai, others being Old Mahabalipuram Road [OMR], and East Coast Road [ECR]. It starts from Guindy and extends up to Chengalpattu and beyond. Part of it falls under Chennai Municipal Corporation while most of it remains outside its purview. This road touches quite a few major localities likeAllandur, Nanganallur, Pallavaram, Chengalpattu etc.

How GST Road Transforms Chennai Real Estate?

How GST Road Transforms Chennai Real Estate?

GST Road not only has a presence of commercial and residential zones along its stretch but also connects Chennai International Airport giving it an edge over ECR and OMR Real Estate Investment. Chennai is mostly a market for end users, and GST road is the hotspot for real estate development and investment. This area is developing rapidly and has been labeled as a growth corridor of Chennai. There has been a rapid development of IT/ITeS industries along this corridor. This, in turn, has facilitated growth of residential sectors in this area. [Read more…]

How Digitalization Paves the Way for Overall Growth of Indian Economy

India is chalking out its own growth strategy driven by digitalization, connectivity, cash -less/paper-less economy, and start-up innovation ecosystem. Indian economic growth will be driven by the rising tech adoption.

Smart phones penetration is rising in the country with 700 million users expected by 2020; we will have 331 million internet users by 2020. With Aadhaar UID, 1 billion users can authenticate 100 transactions per day in real time. India Stack is a complete set of APIs for developers which include Aadhaar for authentication, e-KYC, and e-sign amongst others. All these will propel technological disruption, digital connectivity, growth of tech start-ups in order to achieve the said vision of Digital India.

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Technology will allow businesses to transact easily and efficiently, and thus contribute faster to economy growth. Launch of new devices that feature iris scanner that is Aadhaar and STQC certified, will enable cashless and paperless services for banking, passport, taxation, etc. All these, along with Immediate Payment Service, Unified Payments Interface, micro ATMs, m-POS and financial inclusion programs by the Government (such as Pradhan Mantri Jan-Dhan Yojana), will aggressively pave the way for digital payments in India. [Read more…]

The Complete Guide to Home Loan Process in India

Buying a home has become a lot easier than it was a decade ago. Areas that were unaffordable for a mid-segment homebuyer now host a multitude of affordable housing options. The government has also announced several initiatives to make dream home a reality, especially for the middle class buyers.

A majority of the homebuyers seek home loans to fund their purchase which is why the government has also taken initiatives for reducing interest rates on home loans. The recent announcement of new income slabs for home loan interest subsidy has made dream homes 2.4 lacs cheaper.

The Complete Guide to Home Loan Process in India

The Complete Guide to Home Loan Process in India

So this is the perfect time to buy your dream home. However, as a smart buyer, you should be well versed with the complete home loan procedure to get a better understanding.

Step 1- Home Loan Application

The procedure begins when you send a formal home loan application to the bank. Bank will ask for your personal details in order to scrutinize your financial standing and loan eligibility. For this, you will have to submit a set of documents including identity proof, age proof, address proof, income proof, employment details, details of existing properties, etc. [Read more…]

Bangalore Real Estate: Invest In These 5 Localities for Best Returns

People who want to invest in real-estate are always trying to find new and developing areas of a city. Investments in these areas have an advantage that they are affordable but after a period of time they turn into an asset that gives good, favorable returns. Bangalore, the Silicon City of India, has always been the investors’ paradise. It is the start-up capital in IT, Aerospace and other industries. The job market is driving the residential market as well. Bangalore builders are offering better quality homes and with more amenities and on time too as compared to other cities.

Bangalore Real Estate: Invest In These 5 Localities for Best Returns

Bangalore Real Estate: Invest In These 5 Localities for Best Returns

The outer areas of metro cities are best locations where home buyers can get better homes at affordable prices. Good and reputed developers are also driven to these areas.

North Bangalore, South-east and East Bangalore real estate are good for investments as many infrastructure projects are planned here. Localities such as Thanisandra, Hennur Road, Outer Ring Road and Yelahanka are good areas to focus on. In south Bangalore, prospective areas are Varthur and Whitefield to buy and invest. Metro connectivity to these areas is in the third phase of construction. Once operational will change the face of real estate market. [Read more…]

All You Need to Know About Married Women’s Property Act

The government, time and again, announces several acts and reforms to protect the interests of women of our country. Married Women’s Property (MWP) Act is one such step taken by the government to protect the properties of women against creditors.

Under MWP Act, all properties belonging to a woman will be insulated and protected from tax proceedings and other court attachments that the husband has run up. It also states that any debt of a married woman, before or after the marriage, will be the liability of her husband. This is also applicable on life insurance policies provided that the husband has endorsed the policy through MWP Act.

All You Need to Know About Married Women's Property Act

All You Need to Know About Married Women’s Property Act

Let us try to understand this with an example-

A family consisting of husband, wife and children lives in Noida. They have a family business and have taken several bank loans and institutional credits. The banks lend the amount against the assets of the business along with the personal guarantee of the owner that is the husband. Now, in case of untimely death of the husband, banks start the process of recovering its loans by liquidating the assets of the business. Since there is also personal guarantee of the owner, they attach properties belonging to the guarantor which is the husband. They will also attach the life insurance of the guarantor which means that all claims went to the bank and not to the surviving members of the family. [Read more…]

Top 10 Reasons Why Noida is the Best City to Have a Dream Home In

When Delhi started saturating with properties and prices touched the sky, Noida came to the rescue of many homebuyers. With developing infrastructure and affordable properties, it was no less than a boon for the mid-segment buyers. And now, Noida takes pride in its excellent infrastructure and an assortment of amenities that can put even megacities to shame. The lifestyle in Noida is no less than Delhi or Gurgaon. This ever-developing city is riding therealty wave of NCR.

Top 10 Reasons Why Noida is the Best City to Have a Dream Home In

Top 10 Reasons Why Noida is the Best City to Have a Dream Home In

Listed below are 10 reasons why Noida is emerging as the first choice of home buyers-

1- Pricing

Competitive pricing is one of the most attractive features of buying a house in Noida. Whether for end use or investment, there is a price to suit all budgets and pockets. Since the circle rate is low here, developers are in a position to offer the property on lesser price compared to Delhi. [Read more…]