8 Important Clauses To Check In A Home Loan Agreement

A home loan agreement is a legal document that governs the terms and conditions of the home loan and creation of a mortgage on the residential property in favor of the bank. The home loan agreement contains the rights and liabilities of the buyer. Before putting a sign on the document, you should check the important clauses in the home loan agreement. Here is a short note on the important clauses to check on a home loan agreement.

1.    Clauses which allows amendments to the home loan agreement

2.    Clauses allowing fluctuating interest rates

3.    Clauses with respect to assignments, in favor of third parties.

4.    Clauses related to prepayment and foreclosure

5.    Clauses concerning the reset terms and force majeure terms

6.    Check for additional security cover clauses mentioned in the agreement.

7.    Verify the definition of ‘default’ in the loan agreement

8.    Notification clause mentioned in the agreement

Once you put a sign on the home loan agreement you are bound by the terms and conditions mentioned in the document. So pay attention to each part mentioned in it before putting a sign on the dotted lines.

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Latest trends in office designs and layouts

In 2018 we saw office designs and layouts that focused on building innovative workspaces with thoughtful designs and creativity. The trends of 2019 is also build upon yesteryear’s trends but maintaining a focus on the employee’s requirements as well.

Here are the new trends in office designs and layouts this year:

1.    Corporate space

This design and layout focuses on creating a corporate space to reflect your brand identity. It gives a heightened sense of overall goals and directs them to work towards achieving them. Here, not only does it give a corporate feel but also delivers a smart, modern space with elegant uses of logo or signs to interpret their brand identity.

2.    Adaptable work spaces

Dynamic and agile spaces promotes more interactions. If furniture can be re-arranged to the likings of its team members, it is believed to bring positive impact on the output in their work. Be it the furniture or the working space, it should be comfortable with minimal restrictions.

3.    Privacy-friendly workstations

Despite the popularity of open workspaces and flexible ones, there are various reasons not to avoid thoughts of privacy-friendly workstations. With traditional dividers or booths in a semi-enclosed settings, it gives employees the much required privacy to work in a calm environment with less or no distractions.

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Ways to Keep your Kids Active Indoors

Kids nowadays tend to snuggle up on the couch and watch TV and this has brought down their activity level by a huge margin. Here are a few effective ways to keep your kids active while staying indoors:

1.    Learn some moves

Thanks to the online videos and tutorials, it is now easy to learn how to shake a leg to songs. From hip hop to contemporary, make your kids learn a move or two while sitting at home through sites like YouTube.

2.    Play Hallway soccer

You really don’t require a large open ground to play a good round of soccer. Get together as a family to form a team and start playing hallway soccer.

3.    Dance party

Weekends call for a dance party with your family and close friends and neighbours. Set the furniture a bit away, turn up the volume and play your favourite track to get the party started.

4.    Cleaning time

Cleaning and decluttering your home need not always be a one man’s duty. Rope in your kids and assign them as leaders to get the smallest tasks done at home like folding clothes and arranging shelves.


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Obsessions & Pitfalls to avoid while making an investment in a new home

Are you in search of a new home? Making the right investment in the right residential property is not an easy task. You need to double check all aspects related to the property before making the deal. When looking for a new property, do not become obsessive in your quest. Here is a list of common obsessions or pitfalls to avoid in a new home purchase

•    Ignoring your financial status when considering investing in a new property

•    Compromising on other financial goals

•    Failing to learn the basics before making a colossal investment

•    Let your heart guide you

•    Not giving much consideration to the locational benefits of the property, as the location is a prime factor to consider.

•    No proper financial planning and budgeting poorly

•    Underestimating the total cost involved.

•    Making purchase without doing any research on the property.

•    Rushing the deal

•    Not giving much importance to the paperwork involved

•    High expectations out of the investment

•    Not factoring the risk involved in a real estate investment.

•    Mistiming the deal

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Note on bathroom lighting designs

 

Are you confused about what lights are best for your bathroom and how should they arranged? Here are some tips for the best bathroom lighting designs. 

1.    Stylish recessed lighting

Recessed lighting is modern and trendy and generally which are built into the walls of the room. The most attracting feature of this type of lighting is that which is less prone to damages. 

2.    Directional lighting

Add directional lighting ti the bathroom which you can reposition to meet your preferences.

3.    Natural lighting

Make use of the available natural light. If there are small windows in the bathroom, keep it open and let the natural light in. 

4.    Mirror

Add an illuminated mirror to the interior. These type of mirrors incorporate backlighting or LED spotlights.  The illuminated mirror complements the interior décor of the room much. 

5.    Floor lighting

Imagine how your bathroom looks if you add floor lighting to the room. Light up the path to the bathtub with dots of light.

 

 

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Top 3 Must-Follow Luxury Home Design

Home décor distinguishes a living space with a luxurious appeal. With its elegance and grandeur, luxurious home décor is only about transforming living spaces into an urban living experience.

Here are the top 3 luxury home designs in vogue which you can follow to transform your home:

1.    Metallic elements

Brass and copper were the trending metals of the past and they have given way to nickel, chrome, antique brass, and so on. Placing artifacts like lamps and other showpieces with a graceful combination of these new metals will add glam to your homes.

2.    Minimalism

Following the recent home décor trends are always recommended but make sure that you keep them minimal. The idea of creating more space from less space should be followed. Using foldable furniture helps in optimizing space rather than keeping large chunky furniture.

3.    Natural

Terracotta has been in trend for a while now and has been gaining more recognition for floor tiling and accent walls as it brings in a natural charm to homes. Using cork on tables and walls is again a trendsetter and in vogue.

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Co-Borrowers The Best Way To Enhance Your Home Loan Eligibility

With the rising prices of residential projects, many find difficulties to buy a home on their own. Home loans at cheap rates is a great bliss for many who dream of owning a new home. But there comes the major issue, home loan eligibility. Adding a co-borrower is considered as the fastest way to enhance one’s home loan eligibility.

Who can be your co-borrower?

In the point of view of the lender, the most accepted co-borrowers are the borrower’s spouse, sons or daughters, and also the parents. When considering the parent of the borrower as the co-borrower, the lender will take into account the remaining earning life of the co-borrower.

Generally, brothers and sisters of the home loan applicant are not accepted as a co-borrower by the lender. Friends, relatives, unmarried couples etc. are not eligible to be joint borrower for a home loan, from a financial point of view, these relationships are not considered to be strong.

Tax benefits

The co-borrower of a home loan can claim tax benefits if he is the co-owner of the property and actually servicing the home loan.

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4 Tips To Choose The Right Bathroom Mirror For Your Home

There are many ways to decorate your bathroom, in which the role of a mirror in interior décor is a crucial one. Selecting a bathroom mirror looks a simple task but choosing the right mirror piece which compliments your bathroom décor is not a very simple task. The right mirror can make the room look better. Here is a list of things that you should consider before choosing a mirror for your bathroom.

1.    Space available

Consider the size of the bathroom and the vanity before choosing a mirror for the room. The length of the mirror should never exceed the length of the vanity.

2.    Stylise it

Stylise a bit by adding a stunning frame to the mirror.

3.    Number of small mirrors

Instead of choosing a large mirror opt for a number of small mirrors and create a balanced composition. It's better to put them all in a single wall in the bathroom.

4.    Suspended mirrors

Make a try to the suspended mirror and complement the interior décor. You can either suspend it from the ceiling or fix it upon some additional rails.

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3 Simple Tips To Decorate The Living Room On A Low Budget

Living rooms are common areas and it should be appealing, elegant and welcoming. It should be a place where you can unwind and relax after a long day, but if it is not set properly with good décor, furniture and if it looks cluttered and awkward, you will lose the homely feel.

Here are a few tips to decorate your living room on a low budget:

1.    Wall colors

Your wall colors define the entire mood of the room. It could energize or relax your mind and thoughts, depending on the intensity and warmth of the shade. It should reflect the preferences and personalities of the members at home and the trick is to blend the colors you like into a combination that is very pleasing.

Choose warm colors with warm undertones like yellows, yellow-greens, reds, etc. which is radiant, cozy yet makes the room looks spacious. You could also try painting a single wall with your favorite shade which also goes along with the color of the surrounding walls.

2.    Furniture arrangement

Identify the focal point of the room and arrange a few of the furniture around it. Use the furniture to create conversation areas in front of the television or in a separate corner of the living room probably with a coffee table placed in its center. Make sure to pull the furniture away from the walls and put them closer together to create a more intimate setting. And leave enough space for people to walk around the furniture.

3.    Arts and collectibles

To bring balance to your living room, place art pieces, collectibles, indoor plants, mini-flower pots or souvenirs and also to add that extra glam. When using these accessories, make sure to use it in moderation. Do not bring a cluttered feel by placing too many accessories in and around the living room. 

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Plot Or Apartment Which Is The Best Investment Choice

Whether it a plot or an apartment purchasing a new property is an important financial decision in one’s life. Many investors face a dilemma od choosing the right choice between a plot or an apartment.

Investing in a plot

The cost of the plot varies with the locality and availability of space. As space availability is a major issue in most of the cities, the value of the plot is expected to appreciate in a high rate quickly. One need to verify whether the land is prone to litigations before making an investment. The buyer doesn’t get any financial assistance like a home loan to finance the purchase the plot.  When it comes to regular income from the property as rent, a plot is not a good choice.

Investing in an apartment

The most important factors which influence the property price are locality, design, size, amenities presents, connectivity and brand name of the builder. The availability of home loans at cheap interest rates let one to make happen his dream of owning home. If you are buying the property as an investment, apart from the long-term price appreciation benefits you can generate regular income from it by renting it out.

In short, the best investment avenue between an apartment and a flat purely depends on one’s own requirements.

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3 Major Types of Transfer Deeds

During instances of serious illness, retirement or sale of a property, the owner is entitled to transfer the property rights to someone else or the buyer. A legal procedure must be followed to register the property transfer from the existing owner to the new owner along with the submission of a legal document called as deed. A deed ensures that transfer of property is lawfully valid and that the ownership is clearly defined.

Here are the 3 major types of deeds used for transferring commercial and residential property:

1.    Sale Deed

A sale deed is a document that registers any property transfer done through sale or purchase. It is considered as an important document under the Registration Act and is mandatory for both sellers and buyers. It includes all important details regarding the buyer, the seller and the property. It should also disclose that the property for sale is free from any kind of encumbrances and legal disputes.

2.    Relinquishment Deed

A relinquishment deed is used when the owner is willfully transferring the property to the co-owner and has decided to relinquish his entire share on it. It is irreversible after the deed is signed and registered by both the parties.

3.    Transfer Deed

Transfer deed is used in transferring the existing property title to someone else. Here, the owner transfers property rights along with the benefits rising from the property. Also, this document cannot be executed during the sale and purchase of a property.

Premium Residential  Projects in Kerala

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5 Tips To Make Your Living Room Look Spacious

With the right decor, even a small room can look bigger and spacious. Here are some simple but very effective tips to make the living room look spacious.

1.    Colours

For small compact rooms, light colours are recommended. The light colours help to create an illusion of organized space and the room looks bigger. The light colours can complement a minimalistic home décor theme.

2.    Add mirrors

By adding mirrors to the interior décor one can make the room look bigger. Right placement of the mirror in a room is crucial. It is advised to add a mirror on the back wall of your sofa.

3.    Proper lighting

You can make the room look spacious by using different types of lighting. For example, add vintage lighting to look vibrant.

4.    Furniture

For a small living room, a raised sofa and chairs is recommended. It adds a space illusion to the room.

5.    Art pieces

Oversized art pieces are ideal for a living room. Hanging an oversized painting or artifact creates an illusion of a bigger space.

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3 Tips To Ensure A Simple Home Purchase

Owning a home of dreams is considered as a great achievement in one’s life. But a home buying process is not a simple task, it is time consuming, complex and emotional too. As it involves a colossal investment you should be extra vigilant in each step of the home buying process. Here are some tips to make the home buying process short and smooth.

1.    Check your credit

If you plan to finance the payment on the home purchase through a home loan,  check your credit first and plan accordingly.

2.    Research

Do thorough research on the property. First, find out what are your requirements. Looking for a spacious home or a compact one? 2 or 3 BHK home?  Flat or villa? List out the amenities that you prefer in your home? Find out your affordable budget. Start searching for properties which match with your needs and come under your budget.

3.    Location matters

Location is an important factor to consider while making a real estate investment. Before zeroing down on a particular location, research on the location of the property thoroughly. Look for the proposed infrastructure development projects in the locality. Check out the nearby social amenities in the locality, connectivity etc. Make sure it is safe to live place before making the deal.

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