City Or Suburb Which Is The Best Investment Choice

Are you daydreaming about buying a new home? Owning a premium home is a matter of pride and status nowadays. As buying a home is one of the biggest investment that one makes in his lifetime, you should be extra vigilant in each step of the home buying process. Before making the deal make sure the new home can fulfill all your needs. Location of the property is a prime factor to consider. Which is the right choice a city or a suburb home? Both have its own merits and demerits. The selection should depend on the needs of the investor. Here are some factors to consider when choosing between a city home and a suburb home. 

A city home will be the convenient choice as it equips modern amenities and facilities. And it will enjoy close proximity to leading social infrastructures in the city. When you buy a city home, you need no travel much to reach your workplace. You can save this time for your personal needs. Whereas in the case of a suburb home, it will be much more affordable to you. You can enjoy fresh air & calm life away from the hustle and bustle of city life. A suburb home is a great option as a retirement home.

Heather Homes, one of the most sought-after names in builders in Trivandrum has years of experience in the real estate industry as a leading developer. The builders is known for premium homes, apartments in Trivandrum, of world-class designs and facilities. Heather Ferns, flats in Trivandrum is the latest project by Heather Homes encompassing all that a potential buyer look for in his dream home.

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Why to Choose Wooden Flooring Your New Home

Wooden flooring is a trending flooring choice nowadays. It is commonly accepted for any reason,. The top reasons to choose wooden flooring for your home are

1.Natural product

Wood is a natural product. Wooden flooring is an eco-friendly flooring choice. It is the best choice for the environment as wood is the greatest renewable source. It is the right flooring choice for people with allergies.

2.Diverse choices

Wooden flooring is available in a wide range of colors and patterns.

3.Easy to maintain

Wooden flooring is the easiest choice to clean and maintain. Its finishes can be easily repaired or reapplied.

4.A smart investment

Wooden flooring is a smart investment as there is no considerable depreciation for the flooring in the future and its resale value increases with time.

5.Appearance

The appearance or beauty offered by laminated wooden flooring is unique.

6.Cost-effective

Wooden flooring is a cost-effective flooring choice as it is affordable and economical.

7.Easy to install

Installation of wooden flooring is an easy process.

8.Quality

Most of the home buyers choose wooden flooring for its quality and durability. It comes with stain resistant finishes. It is not prone to scratches, stain, and fade.

Heather Homes, the top names in builders in Trivandrum comes with a choice of residential projects, flats in Trivandrum, with world-class facilities and amenities. Looking for a new home, buy apartments in Trivandrum by Heather Homes, the renowned real estate developer in Kerala

Tips To Fire Proof Your Home

Are you planning to buy a new home? When looking for a new home, you should be aware of fireproof. It is found that a higher percentage of fire breakouts happen in residential homes due to sheer negligence. Here are some tips to fireproof your home.

1.    Check electrical appliance

The most common reason for fire breakouts in residential spaces is the electrical short circuit. Check the electrical appliances in your home and make sure it is functioning properly. If you find any problems, fix it immediately.

2.    Check for gas leakages

Make a habit of checking for gas leakages after finishing your kitchen works.

3.    Install smoke alarms and fire extinguisher

Safeguard your home by installing smoke alarms and fire extinguishers in your home.

4.    Educate your children

It's your responsibility to properly educate your children about fire safety. Let them understand how important it is to not play with fire.

5.    Clear junks

Clear junks like old clothes from your home as which can catch fire easily.

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6 Things to think about homes Loans

Taking a home loan can appear to be an overwhelming procedure, as it includes such a large number of aspects, for example, finding the correct credit, getting a decent financing cost, various types of charges, loads of documentation and system to be pursued et cetera.

1. What amount of home advance am I qualified for? 

Expecting you have chosen the amount of an advance you require, you ought to likewise know around the amount of a credit you are qualified for. Moneylenders/banks choose how much home advance you are qualified for dependent on components, for example, your pay, reimbursement limit, age, congruity of occupation, number of wards, existing resources and liabilities, reserve funds history and financial record, and so forth.

2. What are the reports I should outfit? 

Regularly, you will be requested reports, for example,

Photograph Identity Proof,

Visa Size Photographs,

Duplicate of your PAN Card,

Address Proof,

Confirmation of your Age,

Most recent a half year bank articulations,

Duplicate of the Property Title Deed,

Shape 16 throughout the previous 3 years (for salaried people),

Most recent a half year pay slips (for salaried people),

Duplicate of IT Returns of most recent 3 years (for businessmen/independently employed individuals),

Duplicate of evaluated Balance Sheet and P&L proclamations of most recent 3 years (for representatives/independently employed individuals)

3. What occurs after my endorse letter is gotten? 

Moneylenders/banks regularly request some type of security/security by a method for existing resources, ensure from 1 or 2 people, extra security strategies and so forth. These subtle elements and archives are taken for the banks use in the event that the advance isn't paid back. Regularly at the season of giving you a credit, the bank will likewise give you a home advance cover, which will give you the protection that will kick in, if there should be an occurrence of your unfavorable death, so the advance does not revert onto your wards.

4. What is day by day/month to month lessening equalization and for what reason would it be a good idea for me to pick it rather than yearly diminishing parity? 

Most banks pursue the yearly decreasing equalization technique for ascertaining loan fee. This implies your reimbursements (EMIs) are represented just toward the finish of their money-related year, and subsequently, you are paying enthusiasm on vital that you have just come back to the bank. The compelling rate of intrigue is in this manner higher than the expressed loan fee by nearly 1%.

5. What is savage loaning and for what reason would it be a good idea for me to look out for it? 

Ruthless loaning is the point at which the moneylender/bank operator requests that you outfit false data on your application or gives you false data persuading that your rate of premium is lower than it really is.

6. Would I be able to arrange? Could the loan specialist defer/lessen a portion of the charges? Are there any motivations offers by the loan specialist? 

Truly, yes and yes. You should arrange on the grounds that even a 0.25% or a 0.50% lower home advance financing cost can mean lakhs of intrigue spared.

Some loaning organizations, for example, HDFC will endorse the credit without expecting you to have a clear property distinguished for procurement.

Heather Homes, the top names in builders in Trivandrum comes with a choice of residential projects, flats in Trivandrum, with world-class facilities and amenities. Looking for a new home, buy apartments in Trivandrum by Heather Homes, the renowned real estate developer in Kerala

Essential Steps for Buying an Investment Property

Are you planning to make an investment in a new property? Taking your first step into the world of real estate investment is a thrilling experience. But without proper research and study, it may become a daunting task. Before buying your first real estate property, consider these factors.

Finance planning

Prepare for the down payment and interest rates before making a decision on the property. You have to expect a down payment of at least 20 per cent of the property price. As the interest rates are quite different for investment properties, compare the interest rates on different loan products offered by different financial institutions and choose the right one for you.

Purpose

What is your planning regarding the property, to rent or flip? Flipping the property offers a faster profit whereas renting it offers more passive and longterm income. But in the case of renting, it takes a longer time to get your initial investment back.

Research

Apart from research on the property, have a rough idea on the local economy. Does the city has good employment opportunities to attract potential home buyers or tenants to the city.

Heather Ferns, a premium residential project, apartments in Trivandrum at Kazhakottam near Technopark is a flagship project by Heather Homes, one of the top builders in Trivandrum, Kerala. The project, flats in Trivandrum, accommodates the needs of an urban lifestyle at its best.  

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4 Things to Do to Keep Your House Clean

1. MAKE YOUR BED. 

What's more, show your children to make their beds as well. Keep the bedding basic and when you get up or for my situation, after I've had some espresso, make your bed. It will right away make your rooms look to set up together and in all actuality, it takes under a moment to finish.

2. TAKE IT OUT, PUT IT AWAY. 

Begin chipping away at this TODAY and uphold it with yourself and your relatives. It's such a straightforward rule however it's difficult to be predictable. I promise it will require you less investment to put that one thing ceaselessly than it will to put every one of the things away toward the day's end.

3. EVERYDAY A LITTLE SOMETHING 

This is my mantra every.single.day. Try not to attempt to get 'everything' done in multi-day or consistently. Simply accomplish something every last day and I ensure you'll get over the sentiment of I need my home to be perfect at the same time. With my basic cleaning routine, you'll see that keeping up the nuts and bolts each day is extremely the key to a spotless and clean home.

4. DEAL WITH MAIL ON A DAILY BASIS.

Make sense of a framework that works for you and your family, however, piles of printed material, mail, and child papers wouldn't make your home feel sorted out. Hurl any flyers or pointless mail at the entryway, open and record any bills that should be paid, and choose what will work for your child papers. In our home, we hurl (reuse) most worksheets and keep the extraordinary fine art and papers.

Heather Homes, the top names in builders in Trivandrum comes with a choice of residential projects, flats in Trivandrum, with world-class facilities and amenities. Looking for a new home, buy apartments in Trivandrum by Heather Homes, the renowned real estate developer in Kerala

6 Best Ways to Save Space in your Apartments

Exploit your lounge room's size to effectively make a structure highlight. Pick one part of the space to feature with something outwardly intriguing. The eye will be instantly attracted to this champion component, with less accentuation on the room's testing size.

1. Improve your Home traffic flow

The primary interesting point while making arrangements to enhance spaces in your house is to check whether the orchestrated things permit simple stream in the home. There ought to be a stream development inside the home and you should not slam into any things in the room which influences your stream. On the off chance that this isn't permitted, it implies you need to make a revamp in your home. The game plan of the room is the primary concern since we should locate the right position to put the things previously beginning our course of action.

2. Choose Space saving furniture

The space-sparing furniture accessible through our organization serves numerous capacities and is intended to fit into your space without taking up excessively of your floor region. A portion of the space-sparing furniture that we have accessible incorporates collapsing tables which imply you can appreciate an eating territory that changes over once again into the living zone after you're finished with it. Our collapsing tables make it simple for you to include convertible rooms inside your home.

3. In-wall Cupboards

In the event that you lean toward a contemporary look to your family room, stockpiling furniture with a clean uncomplicated line is basic. Divider mounted units are a decent alternative to boost on floor space as well. Purchasing a cabinet independently will consume up unnecessary room and impede half of the divider, making it look uncouth. Subsequently, an in-divider organizer is a much cleverer choice, it will give helpful specifying to the divider and add to the opposite space also. When hanging racks, put them as far as possible up a divider to make a vertical example. The higher situation of configuration highlights makes the sentiment of volume in the room.

4. Pick the right furniture

It must stay away from all the superfluous furniture that may make the home look swarmed. In like manner, search for a couch that isn't excessively wide and wide. Seating on the couch must be thin yet advantageous. Setting up tremendous seats and couch in a reduced room will simply impede the space, pick the ones that adjust well to your room's space. You can select round furniture as opposed to square or rectangular furniture.

5. Lightning styles

Lighting is critical with regards to opening up a little space. Recessed lighting is incredible in light of the fact that it's outwardly engaging and skips light where you require it. On the off chance that your roofs are on the higher side, you can, on the other hand, utilize hanging lights, rather than recessed lighting, to make your room all the more inviting.

6. cPop your Ceilings

While painting the home, the roof must be given the most consideration. Give brilliant hues for the roofs. The splendid hues will draw the total consideration towards it and will, in general, make a more open room. While brilliant white opens up a room, going for a dim roof makes profundity while fun apparatuses draw your eye upward, making the figment of stature.

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3 Signs Its Time To Upgrade Your Kitchen

The kitchen is one of the most loved room in a home. It is where you spend most of the time with your mom or wife. A well-functioning at the same time an appealing kitchen is important for both the family members and guests. Here are some signs which say its time to upgrade your kitchen.

1.    Outdated appliances

Outdated appliances is not a good choice for your kitchen and it drains more energy too. Consider your safety too. Opt for energy efficient appliances to your kitchen.

2, Damages

It’s your responsibility to address the damages and wear in your kitchen. If you find any water damage from the leaking fridge clears it at the earliest.  Peeling floor and countertops cause bacteria to reside there clear it. Keep the room neat and tidy.

3.    Storage space

If there isn’t enough storage space to keep all the items organised, your kitchen need an up gradation. Keep the kitchen clutter free by making use of the maximum available space.

Heather Homes, one of the renowned builders in Trivandrum have years of expertise in the construction field. Heather Ferns, flats in Trivandrum by Heather Homes features global standards in design and construction. The project is one of the choicest addresses in apartments in Trivandrum near Technopark.

To Know More Heather Homes

Read More 

5 Reasons You Will Love Coming Home ToHeather Ferns

How To Organize An Apartment To SaveSpace?

Pros And Cons Of Buying Vs. Renting 

The 5 Best Features of an Eco-Friendly Home

Making a greener and more planet amicable home is something we should all strive for. Regardless of whether you're arranging a vast self-form venture or simply hoping to refresh your current home, putting admirably in eco-accommodating highlights can give you an abundance of advantages now and for what's to come.

1. Water preservation 

Introducing frameworks to enable you to ration water is a simple method to lessen your utilization and chop down vitality use. Water reaping frameworks can be utilized for watering your garden, washing the vehicle and notwithstanding for toilets, sparing gallons of water. Low-stream taps and shower heads, in addition to water productive apparatuses, for example, dishwashers and clothes washers, can likewise enable you to spare water without figuring it out.

2. Sustainable power source 


Our over-dependence on petroleum products is majorly affecting our condition, and changing over to sustainable sources is something we should all put resources into. Sunlight based boards, biomass boilers, and warmth siphons enable you to produce your very own vitality in a financially savvy way, diminishing your dependence on customary sources.

3. Savvy innovation 

These advances are currently winding up progressively moderate and easy to introduce. Brilliant indoor regulators can control the temperature in your home and modify this dependent on your day by day schedule, killing the warmth while you're grinding away and back on before you're expected home. Additionally, keen lighting can kill lights you've overlooked you left on or be modified to your daily schedule.

4. Vitality Star machines 

An Energy Star name on an apparatus implies it's been evaluated as vitality productive by the Environmental Protection Agency(EPA). These items can enable you to spare vitality without giving up highlights or usefulness.

5. Normal lighting and ventilation  

One of the greatest interesting points when arranging an eco-accommodating self-form is benefitting as much as possible from characteristic light and ventilation inside your new home. Making a house which exploits these regular assets makes for a more beneficial and more proficient indoor condition.

Heather home is one of the leading builders in Trivandrum. They provide luxury apartments and flats in Trivandrum city. All projects are located in the best places in Trivandrum. Sasthamangalam, Kowdiar, Kazhakkoottam, Kumarapuram etc..

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3 Step Plan For Buying Your New Home

In search of a new home of your dreams? Just find out how much time you spend to choose the right mobile phone or tablet for you. Before buying your new gadget, you may take suggestions from your closed ones, check the customer review, compare its features with other products etc. What about buying your new home. How much time do you spend to research on the property that you are supposed to buy and its features? Does this time is enough? Every homeowner should take some necessary steps during the home buying process. 

1. Search and Discover

The home buying process is not a speedy process, it is a time-consuming process. It may take a year to complete the actual purchase.  Make a list of your priorities and start searching for a property which matches with your demands and falls under your budget. 

2. Homework

Be prepared to face the financial risk associated with buying a new home as it involves a colossal payment.  Find how much you can afford to buy a new home. You can apply for a home loan to make the payment on the new home. A home loan which is available at low-interest rate can help to reduce the financial risk much. You can get a maximum of 80% of the property value as home loan and rest payment should be done by yourself.  Before applying for the home loan, cross check your credit score as it determines your home loan eligibility. 

3. Purchase

Once you choose the right property for you, make the deal.

Heather Homes, one of the sought-after builders in Trivandrum offers premium urban living spaces, flats in Trivandrum, in their flagship residential project Heather Ferns. The project, apartments in Trivandrum, facilitates an impeccable urban lifestyle at its best.

Top 5 Must Have Features of an Apartment

There are a few essential highlights you ought to be watchful for when loft chasing that can encourage represent the moment of truth a flat. In the event that you are searching for a loft to use as a speculation, recorded beneath is a convenient agenda to help keep you destined for success.

1. Area 

Area has a tremendous influence regardless of what kind of property you purchase. Most occupants who are searching for a loft need something that is focal and inside strolling separation to the majority of the necessities, for example, shops, eateries, schools and so on. A few occupants may likewise not have a vehicle, so the closer you can be to open transport, the better.

2. Flat format 

Flats with little kitchens and insignificant pantry space could be a hard pitch to potential inhabitants. In the event that you locate a moderate loft in an extraordinary area, yet it has scarcely any storage room, you might need to consider remodeling the condo to make it look more open and extensive with more storage room.

3. Stopping 

Stopping can regularly be more troublesome for those living in a flat contrasted with those living in a house. Off-road stopping is typically restricted and can be a major issue for potential inhabitants. Anchored covert stopping is greatly profitable and regardless of whether you need to spend some additional every week to anchor a spot, it will be justified, despite all the trouble on the off chance that it helps keep your opportunity rate down.

4. Clean history 

In contrast to owning a house, when you possess a flat you should manage the building’s owners’ organization. It is fitting to consider sorting out a strata report before purchasing a condo. A strata report is a review of the records and records of the building’s owners’ organization. This report will uncover any question among proprietors and building functions and any uncertain legitimate issues.

5. Normality 

It appears as though there are new condo shut showing up out of the blue constantly. Be that as it may, these multi-story flat edifices can frequently restrict value gratefulness long haul as they are so normal and each condo seems to be indistinguishable.

Heather Homes, one of the chicest addresses in premium apartments in Trivandrum offers luxury living spaces at their flagship residential project named Heather Ferns. The project, flats in Trivandrum, facilitates an impeccable urban lifestyle.

Best 5 Apartment Kitchen Ideas

1. Stir Up Your Cabinet Pulls 

Something as basic as swapping out old bureau pulls can up your space's character and make exhausting cupboards look naturally remodeled. We adore these calfskin bureau pulls seen on may_be_may_ 's Instagram page. They're current and streamlined and can work with almost any kitchen style. Simply make certain to put the first pulls in a protected place so you can supplant them before you move out.

2. Repurpose an Old Filing Cabinet 

On the off chance that you have an old file organizer lying around, you can without much of a stretch repurpose it as a novel moving island ideal for any little condo kitchen. This cute DIY spotted on One Crazy House blog is an extraordinary method to include some additional counter space (and add some visual enthusiasm) to a generally plain kitchen. Paint the file organizer a striking shading to truly create an impression.

3. Utilize a Tray to Organize 

Rental kitchens are frequently short on storage room, yet with a little inventiveness, you can transform that con into a noteworthy professional. Blogger Inspiration for Moms utilized an improving plate to sort out jugs of olive oil and salt. On the off chance that your kitchen is short on space, utilize it as a reason to purchase extravagant allocators and keep them at arm's scope.

4. Include a Lot of Greenery 

We're devotees of adding greenery to, well, every room in your home, and this staggering space from SF Girl By Bay is proof you should carry this pattern into the kitchen. Sprinkle simple to think about plants into the free corners of your ledge or on a plant remain, as this blogger did. in case you're extremely horticulturally slanted, including a couple of hanging bins brimming with winding, climbing plants is a surefire approach to change your space all at once.

5. Conceal Ugly Floors With a Rug 

Supplanting your floor is certainly on the waitlist of things you ought to never do in a rental, yet that doesn't mean you can't extemporize. This delightful kitchen from Honestly WTF may as of now have decent floors, however, the Turkish sprinter is extraordinary motivation for those of us who may not be as fortunate. Not exclusively will a dazzling mat cover flooring that is well past its prime, it additionally includes a touch of a pad for those long periods of Sunday feast prep.

Heather Homes, the top names in builders in Trivandrum comes with a choice of residential projects, flats in Trivandrum, with world-class facilities and amenities. Looking for a new home, buy apartments in Trivandrum by Heather Homes, the renowned real estate developer in Kerala.

5 Important Elements Of Traditional Indian Interior Design

Indian style inside the structure is among the most fascinating, intriguing and complex stylistic layout styles to work with. Because of the distinctions in the way of life, history, and craftsmanship the nation over, Indian inside structure has numerous variations. In any case, here are 5 components that catch the embodiment of this captivating style.

1. Energetic Colors 

Brilliant and fluctuated hues are the sign of Indian inside plan. While it's tremendously enticing to run insanely with such a huge palette, an excess of shading can make visual chaos. Opt for hearty tones – ochre yellows, rich tans and consumed oranges for your dividers and floors. Yellows and pinks on the fluorescent side of the range and startling blues and greens can be utilized for littler components, for example, pillowcases or seats.

2. Strong wood furniture 

Strong wood furniture is a vital component in Indian inside structure. For a legitimate look, take advantage of staggering Indian craftsmanship and pick conventional pieces with bent armrests and legs, carvings and decorate work in metal or ivory. Get a couple of lavish highlights and supplement them with other more downplayed furniture. There's a tremendous assortment of particularly Indian pieces to browse, for example, wooden chests, footrests, jharokhas, and winged creature confines.

3. Customary enriching cupboards 

In the same way as other components of Indian inside structure, customary Indian cupboards are an extraordinary mix of usefulness and aesthetics. Brightly painted and decorated with trim work utilizing mirrors, stones, ivory, or metal, they fill in as capacity units in your front room, room, or kitchen. Utilize them as accents close by strong wood pieces to help the temperament of your spaces.

4. Casual "individuals" spaces 

Indian home plan based on adaptable, casual spaces that permit loosened up collaboration. Make distinctive levels of seating utilizing high seats, couches, divans, and footstools. Rugs and floor pads loan warmth and solace to the stylistic theme and can be utilized generously. Customary Indian pieces, for example, the swing, or jhoola, can convey a fun loving and debauched vibe to your spaces.

5. Knick-knacks 

Since India has a substantial and energizing assortment of crafted works, there is a huge amount of brightening ancient rarities to browse to design your home. Popular decisions incorporate covers, earth stoneware, diyas, calfskin manikins, porcelain, enriching confines sandalwood, metal or marble. Pieces, for example, metal lights and pots can be utilized as useful metallic accents.

Heather Homes, the top names in builders in Trivandrum comes with a choice of residential projects, flats in Trivandrum, with world-class facilities and amenities. Looking for a new home, buy apartments in Trivandrum by Heather Homes, the renowned real estate developer in Kerala.

Advantages to Ground Floor Apartment Living

Regular downsides to initially floor living: absence of light, campaign commotion, road clamor, constrained perspectives, gaping walkers, bars on windows and security concerns. In any case, their unmistakable focal points, as well, particularly in brownstones and walkups:

Many ground floor units have guide access to a garden.

Living on the main floor feels most like living in a solitary family home. No trapsing past other individuals' entryways while in transit to your own - you just walk straight into your home.

Ground floor lofts remain cooler in the warmth of the late spring.

On tranquil, pretty roads, ground floor lofts really have a decent association with the existence going ahead outside.

No stresses over irritating neighbors beneath you.

Obviously, no pulling shopping packs, bicycles, baby buggies up four flights of stairs.

We make the most of our ground floor home. Truly, it's lifted around 8 feet above road level and it's on a tranquil road in a little building, however, we've gotten ourselves grateful for every one of these ground floor points of interest on innumerable events.

Heather Homes, one of the chicest addresses in premium apartments in Trivandrum offers luxury living spaces at their flagship residential project named Heather Ferns. The project, flats in Trivandrum, facilitates an impeccable urban lifestyle.

Vertical Gardens - The Best Way to Add Greenery to a Small Space

The concept of vertical gardens is gaining popularity among urban dwellers. It is considered as the smart way to add greenery to a small space to accentuate the interior decor. Whether it a commercial or a residential space, plants have a magical power to freshen up the atmosphere. It is believed that plants help in relaxation and destressing.

A vertical garden is also known as a living green wall. The most simple way to design a vertical garden in your home is to attach plant containers to the wall. You can have a frame with horizontal rows to place the plants. Make sure the framework is strong enough to hold the weight of the garden.

To plant indoor plants or air purifying plants, an indoor vertical garden is preferred whereas to plant outdoor plants or plants to grow edibles, an outdoor vertical garden is recommended. Whether it outdoor or indoor vertical garden, regular maintenance is required. Ensure enough sunlight to boost the growth of the plants.

Heather Homes, the top trusted builders in Trivandrum having years of expertise in the real estate industry as a leading developer presents a choice of premium apartments in Trivandrum at strategic locations across the city. The projects, flats in Trivandrum, features premium quality and design and construction.

To Know More Heather Homes

5 Important Steps to Consider Before Taking Any Home Loan

Here Some  Important Steps to Consider Before Taking Any Home Loan.

1. Get to know your loan eligibility 

The maximum loan eligibility depends on your income and previous track record. They check your previous track record in terms of repayment of previous loans and credit card dues. The home loan can go up to 80% of the value of your property subject to your income. Coming to your income criteria, they do not calculate some of your salary slips while calculating the income. They only calculate the income heads which can be used to repay the loan amount. This is the reason you find a difference between the amount showing up on the website and the actual loan amount which sanctioned once you applied.

2. Cibil score 

Credit information bureau ( India) Limited provides a credit score depends on the credit history found in the CIBIL report. It is depends on previous credit card usage, existing loans, check bounces, loan repayment and the maintenance of your bank accounts. The cibil score is 3 digits number which varying from 300-900. The closer your score to 900, the stronger your credit card profile. You have to make sure to purchase your credit card score prior to applying for your loan amount which will help you to understand what the lender will review while analysing your application.

3. Types of interest rate

You have to choose the type of interest rate wisely because which has an impact on the monthly EMIs you are going to pay. You should always understand the different between fixed home loan and fluctuated home loan.Fixed interest rate means repayment of loans in fixed installment over a entire period of time. Which will not change with market fluctuations. It is useful if the interest rate is expected to rise in the near future. Floating interest rate means repayment of loans depends on the market condition. These loans tied to a base rate and have a floating element. If the base rate varies then the floating interest also varies. It is useful if the interest rate is expected to fall in the near future. Fixed rate home loan is always 1-2.5% points higher that floating rate home loan.


4. Loan tenure 

Loan tenure has an impact on the EMIs you pay. Monthly EMI is calculated based on Total loan amount, home loan interest rate and the loan tenure. The monthly EMI is inversely proportional to the loan tenure. If the long tenure is high which lowers the monthey EMIs ,the shorter the loan tenure the longer the EMIs. The total interest paid is directly proportional to the loan tenure. The higher the loan tenure, the higher the total interest paid and Vise versa. It’s always advisable to know the impact of your EMIs before you deciding the loan tenure.


5. Go through the documents carefully before sign

Always recheck the documents and make sure that that the terms are same as what you have negotiated and agreed upon. Read the documents carefully to know the different charges applicable and feel free to clear your doubts before sign the documents.

Heather Homes, the top names in builders in Trivandrum comes with a choice of residential projects, flats in Trivandrum, with world-class facilities and amenities. Looking for a new home, buy apartments in Trivandrum by Heather Homes, the renowned real estate developer in Kerala

Tips To Make Your Home Fragrant

Everyone wants his home welcoming. To make your home a welcoming one, it should

look appealing as well as smell good. Most of the homeowners give prime importance to

the appearance and ignore the other factor but the second-factor smell is also as important

as it appears. Here are some simple tips to make your home fragrant and welcoming.

1. Indoor plants

Bring the outside in through indoor garden like balcony garden. The indoor plants help to

freshen the air inside and offer pleasant fragrances too.

2. Clean the garbage disposal

Clean the garbage disposal and keep your home clean and tidy.

3. oil diffusers

Oil diffuser is a very simple method to add aroma to the house. Add a few drops of oil to

water and switch it on.

4. Scented candle

Add a soothing ambience to your home by placing scented candles strategically.

5. Scented bulbs

Add aromatic extracts on the scented bulbs and when it gets turned on, it starts to emit an

aroma.

Heather Homes, the most reputed builders in Trivandrum, Kerala of premium

flats in Trivandrum offers luxury living spaces at their flagship residential project Heather

Ferns. The project, apartments in Trivandrum, is designed according to world-class standards.

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Beginners Guide: Real Estate Investing

A smart investment has a great potential to transform your lives. Apart from other investment choices such as stocks, gold etc real estate is a less risky smart choice. Are you a beginner in real estate and got attracted by the ever-growing industry.Then, here are some tips for you

1.    Stay calm and patient

Real estate investment is a time-consuming process. Patience helps you to do the right deal. Stay calm and vigilant during the entire process.

2.    Thorough research

Do a research on the property before putting the sign on the agreement. Verify the credibility of the builder, quality of construction, customer review, amenities offered, locational benefits etc.

3.    Verify the papers

All property papers should be checked and verified.

4.    Have an idea on the market rate

Stay updated with the market rates and real estate trends.

5.    Finance planning

Calculate your finances and make sure you meet the goals required to make the investment.

6.    Negotiate

Get familiarised with the art of negotiation.

7.    Accept risk involved

Acknowledge that real estate investment is not completely risk-free.

Heather Homes, the top names in building premium homes, apartments in Trivandrum, presents a choice of premium homes of world-class designs and facilities, flats in Trivandrum, across the city at prime locations.

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Home Loans for NRIs

An NRI (Non-Resident Indian ) is eligible for a home loan which helps them to own a new home of dreams at ease in the home country. Eligible profiles for taking a home loan in India includes NRI, PIO, OCI( Overseas Citizen of India ) excluding the citizens of Pakistan, Nepal, Bangladesh, Bhutan, Afghanistan, Sri Lanka, Iran and China. The age of the borrower should be in between 24 and 60 years at the time of loan maturity and he has a minimum work experience of 2 years in which a minimum 6 month overseas work experience.

The documents should be submitted for getting the home loan sanctioned are

•    Copies of passport and work visa

•    Salary slip for a minimum of three months to get an idea on the income of the loan applicant

•    Appointment letter from the employer

•    Overseas address proof

•    Power of attorney if needed

•    Salary account

•    NRE/ NRO bank account statement

The applicant can choose from two choices floating rate loans and fixed rate loans.

Heather Homes, the top trusted builders in Trivandrum known for delivering high-quality premium homes, flats in Trivandrum of international standards. Looking for the best investment choice in the capital city, buy apartments in Trivandrum at Heather Ferns, a flagship residential project by Heather Homes.

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