Why Brand Name Is Important In Real Estate Investment

Buying a new home is one of the most important financial decision in one’s life. The investment in a residential property is influenced by many factors such as budget, home loan interest rate, location, amenities present etc. Of these, the credibility of the builder is an important factor to consider while making an investment in a  real estate property.

Why brand name matters?

•    Credibility

A builder with strong credibility will never play any foul plays in the selling process. You need not worry about any discrepancies in the purchase process.

•    Expertise

A reputed builder has years of expertise in the industry. So they never compromise on the quality of service offered.

•    Delivery

Reputed builders are bound to deliver the project on the promised date.

•    Resale value

Higher ROI Return On Investment is an attracting feature of projects by reputed builders. The brand name works in favour when you sell or rent the property.

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Tax Implications on NRI on Selling a Property

In India, tax rules on selling a property applicable to an NRI is different from which is applicable to Indian sellers. Here is a short note on tax implications on NRI on selling a property.

•    Capital gains

If an NRI sells a property within two years of purchasing it, then the short-term capital gain from it is subjected to tax deductions. If the period of property hold is more than 2 years, he has to pay 20 percent of capital gains from the property.

•    TDS                      

If the buyer sells the property sells the property within 2 years of purchase, the applicable TDS( Tax Deducted at Source) is 30 percent.

•    Saving on capital gains

The NRI can save on capital gains if he invests in another property or capital gain bonds under section 54 EC of I-T Act.

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Heather Homes, one of the leading builders in Trivandrum, the trusted names in building premium homes, apartments in Trivandrum Kerala presents its flagship residential project named Heather Ferns. The project, luxury flats in Trivandrum, facilitates a modern living aided with world-class facilities and amenities.

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Getting A Home Loan To Construct Your Own House

Generally, a home loan is taken for

•    Purchase of a ready to occupy apartment or flat

•    Booking for an under construction property

•    Building your own house

A home loan when it is availed for constructing your own house, then it is called a construction loan. This type of home loan can be availed for either constructing the house by yourself or by employing a contractor provided the plot where the house is about to get constructed should be owned by the borrower. The applicant can get a loan on a leasehold property if the period of lease is considerably long.  A construction loan is quite different from a regular home loan in many ways.

To get the loan sanctioned the loan applicant should submit all relevant documents related to the title and ownership of the property along with the KYC documents to the proposed buyer. Along with the mentioned documents, the applicant should also submit

•    Plan and layout of the proposed house approved by the concerned authority

•    The estimated cost of construction certified by an architect or a civil engineer.

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What is a Completion Certificate: Real Estate Basics

The home buying process is a tedious process. During the period, you must prepare yourself to go through the documentation process. A completion certificate is such an important document to verify, it is important for both the buyer and developer.

A completion certificate states that the property is built according to standards set by the local development authority or the municipal corporation. This legal document also states that the project is built in line with the approved building plan. It is mandatory to add all information regarding the building such as quality of material used for construction, building height etc.on the document. It should be obtained by the developer. This certificate is needed to have the supply of utilities like water, electricity etc.

•    Importance of the certificate for developer

A completion certificate includes all the details regarding the property. It ensures the property is safe enough to live in. This certificate is must to obtain water and electricity connections to the property.

•    Importance of the certificate for the home buyer

It is not recommended to take possession of a new property without getting the completion certificate.

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4 Emerging Trends In Indian Real Estate

The Indian real estate is witnessing many updations or changes every year. The top emerging trends in real estate includes

•    Virtual reality

The Indian real estate sector has caught up with the recent trend of Virtual Reality. The VR helps the proposed buyer to view and visualize a property remotely. It aids the developers to deliver tailor-made homes. 

•    Affordable housing

Budget homes or affordable housing is a trending concept in Indian real estate.

•    Artificial Intelligence

AI Artificial Intelligence has proven its role in real estate for the past a few years. It facilitates online bookings of both residential and commercial properties. It removes the need of a middleman in the home buying or renting process. Apart from this Ai helps in building management, organization and design.

•    Home Automation

The home automation trend satiates the new generation’s love for technology. Automated homes ensure utmost comfort and safety to its inhabitants. These homes are intelligently designed to meet the needs of end users.

Heather Homes, one among the top-listed builders in Trivandrum for premium flats in Trivandrum Kerala offers luxury homes at its flagship project named Heather Ferns. The project, apartments in Trivandrum, facilitates a seamless modern living.

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Why To Opt For Wooden Flooring In Your Home

Wooden flooring offers a charming and classic look to your home interior. Its natural sheen and cosy warmth is unique in all means. Because of its ethereal beauty, it is a unique flooring choice. In this modern day, a wide variety of choices of wooden flooring is available in the market. Among the different choices available in the market, the main two types of flooring are

•    Harwood flooring

•    Laminate flooring

The most important benefits of having wooden flooring in your home are

    Natural product

Wood is a natural product and the flooring is available in diverse colours and grain patterns. It is the right choice for the environment, an eco-friendly flooring choice.

    Easy to clean maintain

 The wooden floor is easy to clean and maintain, requires far less chemical for cleaning. 

    Smart investment

The wooden flooring helps to increase the resale value of a home. It is a durable flooring choice.

    Reduced dust

Reduced dust is an attracting feature of wooden flooring.

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Advantages of Investing in a Duplex Apartment

A perfect luxury to own, Duplex is considered a great investment because of the multitude of benefits it offers when compared to villas and normal apartments. Duplex is basically a 2-storey building encompassing full apartments on each floor with separate entrances. The apartments are generally connected by an inner staircase. 

Advantages

1.     Privacy

First and fundamental advantage of investing in a duplex apartment is its privacy. Such apartments come with high-end specifications and security systems – 24/7 CCTV surveillance and security staff monitoring continuously. Some apartments also comprise of automated security systems with video door phones etc.

2.     Space, Space and More Space

Who doesn’t love space? Duplex apartments are nothing but ultra-spacious living promising utmost comfort and freedom for the residents. Duplex would come with large balconies or courtyards bestowing a new benchmark in your living.

3.     Accommodation for 2 Families

Being ultra-spacious, duplex apartments are ideal if you want to live with your relatives, your grand-parents or any other family. You could tell your family or friends to stay in one of the apartments. It’s also beneficial when you have guests at home. 

4.     Additional income

If you’re thinking of an additional income, you can actually give one of the apartments on rent or as an office space depending on your comfort levels. Since both the apartment units would have separate kitchen and bathrooms, finding a rental candidate would never be an issue. Also, additional income would be really beneficial if you have brought the property on loan – you can actually collect the rent and use it to repay the loan. 

5.     Affordable

Considering the spacious area you’re buying, Duplex apartments are affordable. It is economical when compared to other luxury 3 or 4 bedroom apartments of the same carpet area.

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Second Home Investment Benefits

Second homes are good investment choices. A second home investment is beneficial for the investor in many ways. Here are some of the most important benefits

1.    Long-term investment

It is a stable future investment. If you maintain it properly, it can assure a higher rate of financial stability.

2.    Monthly income

If you are not buying it for living purposes then you can earn steadily monthly income by renting it out. By renting it out you can share the maintenance responsibility too.

3.    Retirement home

After the hard-working years of life, many wish to lead a peaceful life in an exotic spot to relax. So buying a second home in a beautiful location is a great choice.

4.    Vacation home

The investment in a second home can be in the form of a vacation home. While making an investment in a second home, the ideal location plays a key role.

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Legal Checklist For Buying A New Home

Once you decided to buy a new home, it's your responsibility to verify the property complies with all legal requisite legal checks. As owning a new home of your dreams is a financial commitment, you should be vigilant in each step of the home buying process.  Here is a legal checklist for buying a new property.

•    Title and ownership of the property

You must verify the documents related to the title and ownership of the property. Ensure these documents are duly stamped. Make sure the property is free of any past litigations before making the investment in.

•    Compliance under RERA act

The RERA Real Estate Regulation and Development Act mandates that the developer should register their projects with the concerned authority. Crosscheck whether the project is registered with the authority under RERA.

•    Land use permission

Examine the master plan and make sure the building is constructed according to the municipal authority’s zoning plan.

•    Approvals

The buyer needs to check the project’s statutory approvals issued by the government and concerned regulatory authorities.

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Common Interior Design Mistakes To Avoid

Of course, not everyone has training in interior design. Most of the people decorate their own homes. Almost everyone makes mistakes and these mistakes are inevitable. But by paying a little attention one can correct these mistakes. Design elements such as lighting, colour, scale, placement etc. should be taken into consideration while decorating your home. Each of these factors affects how space looks. Here are some common interior design mistakes to avoid

•    Bad lighting

Proper lighting is crucial for a pleasant environment. Different types of lighting are available and each has its own different purposes: ambient lighting, task lighting, general lighting etc. Determine what type of lighting that particular space and do accordingly. To highlight a very beautiful artwork or an accessory, use accent lighting.

•    Furniture

Choosing furniture which is too big or too small for the room and too much furniture in a room are not a good practice. A room with too much furniture never looks spacious. Ensure the furniture don’t impede traffic flow through the space.

•    Proper planning

Choosing wall colours and patterns before choosing furnishing is a common mistake committed by many. You should have well planning regarding the furnishing, accessories, paint colour, placement of furniture and other decorative elements etc. in advance.

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A Short Note On Investing In Land

Land as an investment choice is a popular real estate investment option in India. There is always an increasing demand for land since the supply is limited. With this limited supply and higher demand, the price of land hasn’t experienced major volatile changes. 

The cost of investing in land is substantial and it is a liquid investment choice. The main drawback of making an investment in a land property is that one can not dispose of it when he needs to encash it. For buying a new home, one can apply for home loan, the home loan facility helps to reduce the financial risk associated. But to buy land, no bank lends money unless it is purchased from a reputed govt. development authority. In the case of buying a new home, tax deductions are available on the money borrowed for investing. But in the case of investing in land, these tax benefits are not applicable.

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Heather Homes, the most trusted and reliable builders in Trivandrum, is known for premium homes, apartments in Trivandrum, of international standards. Heather Ferns, flats in Trivandrum, is a flagship project by Heather Homes and it is a great investment choice in the capital city.

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Vastu Tips for Bedroom

Vastu Shastra can be defined as an ancient science of architecture. It is the mystic science for designing and building. It unifies science, art, astrology and astronomy. It is believed that the Vastu Shastra helps to create a harmonious environment in the room.

By designing the bedroom with Vastu Shastra, one can enhance a healthy and happy living in the room. As the bedroom is the place for rest, relaxation and rejuvenation, it’s great to design the room with Vastu Shastra.  Here are some Vastu tips for your bedroom.

•    Direction

The ideal direction recommended for a bedroom is the south-west direction.

•    Bed placement

The bed should be placed in such a way that the head towards the east or south.

•    Mirror

Never place the mirror in front of the bed.

•    TV, Computer etc.

It is recommended not to have TV, computer etc. in the bedroom. If you must have one, ensure it is at a reasonable distance from your bed.

•    Paint colour

A bedroom is a place for rest so light colours are recommended. Avoid dark colours. Keep the room well organized and clutter free.

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A Short Note On Loan Against Rental

Do you have a let out property and need some money, then loan against the rental is a great choice for you. A loan against rental allows its owner to borrow money from financing institutions against the future rental income. With this facility, the property owner, whether it be a commercial or residential property, can avail a line of credit.

The owner can benefit from this facility if it is needed. In the case of joint ownership on the property, the owners will have to become the joint applicants for the loan. The facility is applicable to the properties which have already been let-out provided the rental agreement period should at least covers the repayment of the loan against rentals. In the case of commercial property, it should be leased or let-out to a reputed lessee.

In general, the processing fee is up to 1% of the loan amount and the loan amount varies with financial institutions and profile of the borrower.

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The Best Home Security System to Ensure Your Home

Discover why you may require a keen home security system for your property.

1. CANARY ALL-IN-ONE SECURITY SYSTEM

This across the board security system screens your home while looking smooth and trendy in the meantime. Regardless of whether you put it on your end table or your sideboard, the brilliant camera will stream continuous video to the application, empowering you to register with your home wherever you happen to be.

2. NEST CAM INDOOR SECURITY CAMERA

Despite the fact that not as inconspicuous in appearance as the Canary, the Nest Cam absolutely won't watch strange among your lounge savvy tech. It'll live stream video to the application on your telephone in full HD, with the wide-edge see empowering you to work out and see a vast extent of your room.

3. PANASONIC'S KX-HN6012EW HOME MONITORING AND CONTROL KIT

This smart security framework from Panasonic is ideal for bigger properties. In the case, you get a camera fit for two way correspondence, a movement sensor, a window and entryway sensor and a brilliant attachment that you can use to control lights and machines.

4. YALE SMART HOME ALARM

Regardless of whether you're setting the caution framework utilizing the number keypad, tuning into the continuous video by means of the application or utilizing the savvy fittings to remotely control the lights from wherever you happen to be, Yale gives you free rein to structure the best home security framework for your home.

5. SAMSUNG SMARTTHINGS STARTER KIT

Despite the fact that the beginning pack does exclude a camera, you can without much of stretch associate camcorders from Arlo and Samsung. The pack comes with three sensors – the Multi-Sensor, Motion Sensor and Presence Sensor – which will give you precise warnings ought to there be an explanation behind you to be frightened.

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Financial Aspects To Consider When Buying A Home

Are you dreaming of buying your new home? Here are some important financial aspects to consider before buying your new home.

•    Financial planning

You should have a proper financial planning before buying your new home. Review your current financial obligations such as loans, EMI s, insurance etc.  Have a right picture of your true income and plan accordingly. Apart from the property price, you should consider the registration charges, maintenance charge, stamp duty etc.  Find out how much you can pay as the down payment on the property it should be a minimum of 20% of the property price. Compare different home loan products offered by various banks and choose the right one.

•    Improve credit score

The credit score is an important factor to consider as it determines your home loan eligibility. Check your credit score online and ensure it is in a better range.

•    Right loan

Before choosing the right home loan,  keep in mind the important parameters such as EMI, home loan interest rate, duration of the loan, processing fee etc.

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Factors To Check Before Sign In The Rent Agreement

Before moving to your new rental home, there are certain essential checks on the rental agreement from your side. Before putting a signature on the rental agreement, crosscheck it thoroughly to avoid any confusions or disputes in the future. Here are a few aspects and clauses that you must check at the time of the agreement.

1.    Thorough reading

Read the agreement carefully and understand the legal language used in it.

2.    Check the details of the landlord

Crosscheck the details of the landlord including the title documents.

3.    Overhead charge

Overhead charges include the cost for utility services. Instead of communicating it verbally it is recommended to mention it transparently in the agreement. As a tenant, it's your responsibility to verify this before making a sign in the agreement.

4.    Damage and repair cost

It is crucial to specify the damage or repair costs in the rental agreement.

Heather Homes, the top builders in Trivandrum, is known to design premium homes apartments in Trivandrum of world-class designs and facilities. Heather Ferns, one of the best flats in Trivandrum is a flagship residential project by Heather Homes.

To Know More Heather Homes

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