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.

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Right Tips To Maintain The Value Of Your Existing Apartment

Everyone wants his home appealing and welcoming. Apart from its appealingness every homeowner needs to maintain the value of his property. Here are some tips to maintain the value of your property

1.    Enhance curb appeal

Enhance your home’s curb appeal as it is what a prospective home buyer’s eye catches when he drives up to your house. The home entrance makes the first impression regarding your property. Give a fresh coat of varnish and beautify your home entrance.

2.    Makeover to the kitchen

Refresh your kitchen with modern trends and designs. Upgrade your kitchen, it is one of the most important rooms in a home.

3.    Pest control

Make sure there is enough ventilation and ample natural lighting in your home. Keep the termites and bugs at bay through good pest control.

4.    Declutter

Keep your home, flats in Trivandrum, neat and tidy. Get rid of things that you longer needed. Keep your items organised.

Are you looking for ready to occupy apartments in Trivandrum invest in Heather Ferns. Heather Ferns is a flagship residential project by one of the top builders in Trivandrum, Heather Homes.  

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Festive Makeover Tips For Your Home

Decorating your home for making it ready for the festival is not a tough task unless and until if you do it in the right way. You can transform your home to warm and welcoming by employing these simple tips.

Painting

Painting helps the home looks fresh, clean and welcoming. If painting is not affordable to you then you can opt for wall covering, removable wall stickers etc to glitter your home.

Furnishing

Give a makeover to the drapes and furnishings and offer your home a festive look. Brighten up the interiors with charming colours.

Home entrance

Decorate the home entrance with soothing flora.

Lighting

Lighting plays a crucial role in setting an ambience in the home. By using direct light create focal areas and highlight the painting or wallpaper in the wall. Give a cosy feeling to the room by opting for indirect cove lighting.

Heather Homes the top trusted builders in Trivandrum for both high-quality commercial projects and apartments in Trivandrum presents a choice of luxury living spaces in the city. Heather Ferns, flats in Trivandrum is a premium project by Heather Homes at Kazhakottam near Technopark.

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which is the ideal home loan tenure

Home loan tenure is the duration of the home loan. In general, the home loan tenure varies from five to twenty years. The monthly EMI depends on the home loan tenure. Higher the tenure lower will be your EMI, lower the tenure higher will be the EMI amount which is to be paid back. The right home loan tenure for someone depends on his needs. Most of the home buyers prefer long tenure home loans for many reasons.

Higher home loan eligibility

One’s repayment capacity has a crucial role in determining one’s home loan eligibility. It is directly linked to one’s disposable income. In the case of a longer tenure home loan, the EMI will be lesser and thus higher will be your loan eligibility.

Greater flexibility of repayment

A long tenure home loan offers a greater flexibility of the loan repayment.

Tax benefits

Under sections 80C and 24 b the home loan borrower is eligible for income tax benefits.

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.

Benefits Of Buying A New Home In Your Wife's Name

Many state governments offer several benefits for woman property buyers as a part of women empowerment. These extra benefits applicable attracts many women to this realty sector. Are you looking for a new home, it is a good idea to register the property, in your wife’s name. The most important benefits of buying a property in your wife’s name are

Tax benefits

Buying a property in the name of your wife avail tax benefits. You become eligible for a tax deduction of a maximum of Rs 15 lakh every financial year. If she has extra income and both are co-owners of the property, then both can claim tax deductions individually.

Discount on stamp duty

To support women empowerment many state governments are offering discounts on stamp duty. This deduction is applicable in both cases such as sole owner and joint owner.

Low home loan interest rate

Many banks offer discounted interest rates on home loans for women home loan applicants.

Heather Homes, the leading builders in Trivandrum, the trusted names in building premium homes, apartments in Trivandrum of premium quality. The residential projects, flats inTrivandrum, by Heather Homes features international standards in design and facilities.   

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Tips to Childproof Your Home

Children are curious beings. They possess an unpredictable behavior in their childhood. Here comes the importance of childproofing your home. It's your responsibility to ensure your child’s safety and security at your home or apartment.

Here are some smart tips to childproof your home.

1. Furniture

The sharp corners of table, chairs and cabinets may hurt your child if it left unnoticed. It is recommended to add bumpers to the sharp edges to avoid unwanted situations.

2. Electrical switches

Cover the electrical switches with safety plugs. Never leave electrical cords within the reach of your child.

3. Electrical appliances

Store the electrical appliances such as iron boxes, hair dryers etc securely.

4. Staircases

Limit the entry of your child along the staircase by installing baby gates at both the top and bottom of the staircase. Make sure the child can’t unlock the lock by her own.

5. Doors

Install door stoppers or holders to make your child safe from accidents.

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Interior Decor Disasters To Avoid In Your New Home

Everyone wants their home appealing and welcoming. But most of the homeowners don’t know how to do the interior decor in the right way. The interior can influence the ambience of the home much. Here is a list of most common decor interior disasters to avoid in your home.

•    Excessive Matching

Never decorate the whole house with a single colour. Monotony in colour will make your home dull.  Try using contrasting shades.

•    Clutter

Never keep the home cluttered with many items. Never do showing off of your favourite knick-knacks in the showcase. Go with the items that match well with the ambience in the room.

•    Dim lighting

A room well interior decorated with poor lighting makes no sense. Lighting has a crucial role in setting a welcoming ambience in the room. Poor lighting makes the room appear dull.

•    Mismatched furniture

Mismatched furniture and furnishings can ruin the overall beauty of your home. In the same way, a matching furniture and furnishing complement the décor.

Heather Homes, one among the leading builders in Trivandrum known for delivering premium class living spaces, flats in Trivandrum, presents ultra luxurious living spaces at their flagship project Heather Ferns. The project, apartments in Trivandrum, is a smart investment choice in the city.

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