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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