Why Home Loan Lenders Ask For Bank Account Statement

Most of the home loan lenders ask for bank account statement to ascertain your financial activities during the period. In the perspective of the lender, the bank account statement is an important document, they ask for the last six months to few years bank account statement. They use this data to determine one’s home loan eligibility. Why the lender asks for the applicant’s bank account statement

1.    The existence of any other loans

From the bank account statement, the lender can easily find out any other mortgages being serviced. The existing loan reduces one’s home loan eligibility.

2.    Nature of activity

With the bank account statement, the lender can verify the nature and level of activity in the bank account.

3.    Account balance and nature of debits

From the bank account statement, the lender gets a clear idea regarding the nature of debits, your financial discipline and saving habits.

In short, the lender determines the applicant’s financial health by analyzing his bank account statement.

Ladder Kerala, the leading builders in Calicut for premium homes presents ready to occupy flats in Calicut at its new project Ladder Mankav Greens. The project, apartments in Calicut, features world-class design and facilities.

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Factors To Consider When Choosing The Wall Colour

Wall colour is a crucial factor in the interior décor of your home. So, care should be taken before choosing the paint colour for your home, apartments in Calicut. Choosing the wrong choice may result in unnecessary costs when having to do the repaint. Here is a handy list of factors that you should consider while choosing the right paint colour for your home.

•    Size

For small rooms,a light colour is the right choice as it looks more spacious. But if you want to make your room roomier opt bright colour.

•    Function

The function of the room should be considered while choosing the paint colour. For a bedroom, cool colours are preferred as the most personal room in our home want to make us relaxed.

•    Lighting

If there is adequate natural lighting in the room choose colours which will not cause reflection and if there isn’t enough lighting choose light colours that reflect.

•    Matching to the Interior

Choose a paint colour which perfectly blends well with the existing colours in the room in terms of furniture, curtains, carpet etc.

•    Floor surfacing

Choose paint colours which match with the floor surfacing. Eg: a warm neutral colour is the right choice for a dark wooden floored room.

Ready to Occupy Flats in Calicut

Ladder Kerala, the most trusted builders in Calicut presents Ladder Mankav Greens, a premium residential project in Kozhikkode at Mankavu. Mankavu is a perfect premium location in Kozhikkode.  The project, luxury flats in Calicut, promises a good ROI as it is located in a prime location and designed according to world-class standards.

To Know More About The Project http://ladderkerala.com/ladder-mankav-greens/

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5 Tips To Manage Home Loan EMIs During A Financial Crisis

Home loan is a must factor to consider while buying a new home, apartments in Calicut. The home loan helps one to make his dream, owning a home, come true. By taking the home loan the buyer is committing to pay the amount as EMI for the specified loan tenure. But to repay the loan amount as EMI, you should have a fixed inflow of money every month.  Apart from home loan repayment, there are many other expenses that you need to handle. Due to all these, you may come under financial crisis at sometimes. Here are some tips to manage home loan EMIs during a financial crisis

1.    Pre-plan

Make a plan beforehand, plan your budget and spend wisely. Saving money in advance is a good practice to follow to make in such situations.

2.    Consult a financial advertiser for advice

As financial advertisers are experts in the field, they can help you to manage this financial crisis.

3.    Early Repayment

Its always recommended making early repayment with a view to reducing your financial burden.

4.    Home loan insurance

Experts suggest the borrowers to take home loan insurance along with the home loan.

5.    Reduce your EMI

In case you are in a financial crisis, you have an option to consider the monthly EMI reduced and once you attain a financial stability, increase the EMI.

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To Know More About The Project http://ladderkerala.com/ladder-mankav-greens/ 

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Essential Amenities Tenants Look for in a Property

As more and more people, especially working professionals move to urban areas, there is always an ever-increasing demand for rental homes. If you have a second home, apartments in Calicut, which sits empty most of the time consider renting it out and make some money from it. But how can you differentiate your rental from the competition? When one search for a new rental home, there may be certain features in his top list.  Pay attention to the features that top the list of needs by tenants and make necessary arrangements. Let your property stand out among all the choices available. Here is a list of essential amenities tenants look for in a property.

1.    Location and Connectivity

Location and connectivity is one of the most important features that a tenant considers. Most of the people prefer a good location with excellent connectivity to social infrastructures.

2.    Safety and Security

Safety & security is of prime importance while looking for a rental home.

3.    Parking Facilities

While looking for a rental home, tenants demand parking facilities.

4.    Uninterrupted power and water supply

A rental home must have an uninterrupted power and water supply.

5.    Other factors

. Good condition of the house

. Good working condition of sink faucets, shower heads, plumbing & fixtures etc.

Ladder Mankav Greens, premium flats in Calicut is the flagship residential project by the leading builders of quality world-class flats and apartments in Calicut. The project equips most modern amenities & facilities and is located in the heart of Kozhikode city.

To Know More   http://ladderkerala.com/

4 Vastu Tips For Balcony

A Balcony is a platform that projects from the wall of the building and people generally use the space for relaxing. It is also used as a gathering spot for families. In Vastu Shastra, the traditional system of architecture, the selection of right direction & space is important while building a new home, premium apartments in Calicut. Here are some Vastu tips for balcony in your home.

1.Location of balcony

North to northeast and east direction is considered as the good choice to construct a balcony in your house. Choose the space which gets constant sunlight from morning to evening. Western and southern sides should not be used to construct the balcony as it is too hot.

2. Furniture

It's good to avoid heavy furniture as it obstructs sunlight. If there is a heavy furniture in your balcony, place it in the south-western, southern or western corner of the balcony. The east-west direction is the best choice to place a swing in the balcony. Place the small plants in the north-east side of the balcony as there is ample sunlight.

3.    Roof positioning

Roofs should always slope towards north or east and its height should be lower than the roof of the main building.

4.    Shape

Most preferred shapes for balconies are squares & rectangles

Ladder Mankav Greens, the premium offering of Ladder Kerala, one of the choicest builders of flats and apartments in Calicut. The project, 3 BHK apartments in Calicut, is laden with most modern amenities & facilities and built to international standards.

To Know More About The Project  http://ladderkerala.com/ladder-mankav-greens/

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Prons And Cons Of Investing In Land

Land as an investment is also a common investment option followed in India but not as popular as an investment in property, mutual funds & equity shares. Are you confused about making an investment in a land or not. Here are some pros and cons of investing in land.

. Limited Supply

In general, the supply of land is very limited.

. Affordable

Buying a land is cheaper to own as a long-term investment. Property taxes &fees for a vacant land are lower than it on a developed land.

. Freedom to make the best use

Investing in a vacant land offers you complete freedom to create the property you want.

. Less maintenance

It is easy to maintain a vacant land than rental properties

. Difficult to finance

It is tough to get financing to invest in a vacant land.

Ladder Mankav Greens, a flagship residential project by ladder Kerala, top builders of premium 3 BHKapartments in Calicut. The project Ladder Mankav Greens is located in the heart of Calicut city at Mankavu, enjoying all locational benefits of the city. Own your dream home, flats and apartments in Calicut at an unimaginable 4.99% home loan.

To Know More About the Project  http://ladderkerala.com/ladder-mankav-greens/

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What Facts to Consider While Having a Staircase at Home

A staircase is a permanent and integral part of the interior of your home, apartments in Calicut. There are many things to consider to go into the details of having a staircase at home. The design, quality and style of the staircase must match the requirements and space of the house. Today the trend comes in a unique variety, which may look attractive and luxurious but not necessarily adapt to all the requirements of the staircase. Here are facts you need to think about when having a staircase at home.

1.    Consider the different members of the family. From small children to adults, they have different abilities to climb up the stairs.

2.    If you have pets at home, you may have to either have barriers for them to not let them get to the stairs, or design according to their convenience.

3.    Consider the purpose of the stairs. Whether you want the stairs to get to the next levels of the house or just to access the attic.

4.    Consider the steepness and width of the stairs.

5.    Try to understand how frequently you will be using the stairs and consider the rest of the factors accordingly.

Ladder Kerala, one of the top builders in Calicut, Kerala offers you premium flats in Calicut in their flagship residential project, Ladder Mankav Greens. The project comprises ready-to-move-in flats and apartments in Calicut designed with world-class standards & equips most modern amenities to accommodate all the desires of a modern home buyer.

To Know More About The Project  http://ladderkerala.com/ladder-mankav-greens/

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How to Prepare Your Home for Monsoon

Monsoon is a pretty beautiful time of the year to invite the pure natural mud aroma hitting inside your homes. But at the same time, it’s unimaginable with kids and late night work days to get home, to all the mess of dirty floors and wet clothes and shoes. This has to be managed properly to get your homes, apartments in Calicut,  away from the deadly diseases and infectious insects around the place. Some quick tips will help to keep your home tidy and monsoon ready.

1.    Make sure you have a shoe rack for messed up shoes or sandals that need to go for cleaning soon.

2.    Keep an umbrella stand on the entrance of your house to keep them dry and clean and not to be left hanging or lying on other rooms of the house.

3.    Take off those heavy curtains and replace them with sheer and nice lacy ones to bring in more light and monsoon feels into the rooms.

4.    Make your own spot in your room for relaxing looking out and enjoying the rain, which is a form of silent meditation.

5.    Have a clean doormat and replace regularly.

Are you planning to buy a new home, luxury 3 BHK flats in Calicut. Take a look on Ladder Mankav Greens, a quality residential project by the leading builders of flats and apartments in Calicut, Ladder Kerala. The project equips most modern amenities and enjoys good locational benefits.

To Know More about the Project  http://ladderkerala.com/ladder-mankav-greens/

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5 IMPORTANT TIPS FOR HOME MAINTENANCE

If you want to make your stay long and smooth in your home, apartments in Calicut you have to take care of your home. Here is a list of important tasks to keep your house in good condition.

1.    Service air condition

Servicing you air condition seasonally is good for your home to have clean the air. Check for any clogging and blockage in the air pump.

2.    Check the refrigerators

When a refrigerator doesn’t work properly it causes a lot of problems, especially when storing foods that have short shelf life. To clean the refrigerators empty it and clean it deeply. Clean the coils of refrigerator for its better performance.

3.    Toilets

Check for any leaks in the toilet tank or toilet outlet valve by adding some colour powder in the toilet tank. You can ask a plumber to visit your toilet and check for any blockages or malfunctions whenever u feel like there is something wrong.

4.    Plumbing

Keep the free flow of water through pipes and remove any clogs in the pipe. Avoid putting non biodegradable materials that degrade very slowly in the pipes.

5.    Paint

Paint your metal structures at home like railings, window frames and grills, metal gates etc. Galvanise the iron or steel materials to prevent it from rusting.

Ladder Mankav Greens, apartments in Calicut is the premium offering of Ladder  Kerala, the most trusted builders in Calicut. Own your dream home with 4.99% home loan & 20 years free maintenance support at Ladder Mankav Greens. Invest in quality residential projects, luxury flats in Calicut at affordable prices.

To Know More About the Project  http://ladderkerala.com/ladder-mankav-greens/

HOW TO SET UP YOUR OWN HOME GYM

Nowadays, people are becoming increasingly health conscious. The home gym is an amazing resource that you should be taking advantage of. Home gym training fits your schedule. A home gym is a training environment that you enjoy. Set up a work out space in your new home, premium flats and apartments in Calicut. Here are some tips to set up a home gym

Space

Space is the prime determining factor in your home gym. Generally, a garage, basement or spare bedroom will make you a perfect gym in your new home, apartments in Calicut. You need enough space to fit your basic equipment.

Budget

The equipment that you purchase purely depends on space available & your budget. If you have enough space & a big budget you can definitely build an insane gym. At the same time, if you have a small room and a small budget you can still set up a gym that promises you awesome results.  First determine what is your goal, investing too much in a home gym is not a good idea unless you are that much passionate about it. Quality should be the prime factor while setting up a home gym.

Flooring

Flooring is a prime factor while you set up a home gym in your new home, 3 BHK flats in Calicut. Choose the best flooring for your home gym. Care should be taken while choosing the right flooring material. It should protect the gym equipment along with reducing the sounds that come out while you work out.

The top builders in Calicut, Ladder Kerala presents their flagship premium residential project Ladder Mankav Greens in Calicut at Mankavu, a residential hub in Calicut. Ladder Mankav Greens is designed with world class amenities & equipped with the king-sized living spaces. Own your dream home at Ladder Mankav Greens at 4.99 % home loan.

To know more about Ladder Mankav Greens http://ladderkerala.com/ladder-mankav-greens/

Call us at +91 9400470022 for more information

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WHY SHOULD SELLERS GET A PRE-SALE HOME INSPECTION

A proper pre-sale home inspection serves as a foundation for conducting a hassle-free sales transaction. A pre-sale home inspection offers many benefits to the seller, so do the pre-sale home inspection prior to finalising the property deal.

Assess the condition of your property

The pre-sale home inspection let you understand & assess the condition of your property. The seller gets a chance to find out any physical defects in the structure, apartments in Calicut. Evaluate each  & every corner of your home like structural errors, plumbing, electrical, ventilation etc. If there is any physical defects present, clear it. 

Make necessary repairs

The prior home inspection helps the sellers to find out & fix the issues in the property, flats and apartments in Calicut. Find out the issues & correct it before putting the property on sale.

Helps to save money

Even though it costs for repairs, it saves your money in the long term. Since the selling price of the property depends on the extent of damages in the property, it’s better to do the repairs. The potential home buyer definitely inspects the property thoroughly before investing in the property, premium apartments in Calicut.

Faster closure

If your property is in the fine condition with no errors to be corrected, it ensures a faster closure.

Ladder Kerala one of the top builders in Calicut offers fully furnished, king-sized living spaces that accommodate world class amenities & facilities in their latest residential project in Calicut, Ladder Mankav Greens.

To know more about Ladder Mankav Greens http://ladderkerala.com/ladder-mankav-greens/

Call us at +91 9400470022 for more information

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