Thursday 29 March 2018

Top 5 Home Preparation Tips Before Unpacking


From deep purging to fixing the repairs, moving into a new home calls for attention to minute details. We shares list of things you should strictly follow to prepare the new house afore unpacking.

Despite the ex-homeowner conducting all requisite upgrades including deep purging, it is necessary to participate in the cleaning process and assure that the new apartment is completely unsoiled and safe for your family. We brings you the list of areas that are usually ignored by the landlord and can risk your family’s safety and health.

Thane Real Estate Blog - Property In Thane
Credit : freepik.com

Clean everything above your head

Ceiling fans, blinds and chandeliers could be the major dust receptacles and should be treated before unpacking the boxes. Doing this will prevent the floating dust from settling on your favorite furniture and accessories. To ensure an effective cleaning process, first dry mop the blades and blinds, followed by slightly wet mop.

Deep purge the air ducts

It is important to consider the air duct cleaning for possible reasons such as substantial mold growth, vermin infestation and excessive clogging owing to dust and debris. According to Kuntal Vyas Aggrawal, “Duct cleaning is important to improve the air quality inside a house. It generally involves cleaning the components of various heating and cooling system of forced air including the supply and return air ducts and registers, heat exchangers, heating and cooling coils, condensate drain pans, coils and grills, fan motor and fan housing, and the air handling unit housing.”

Pest control

Pest control is one thing you should certainly undertake after moving into a new apartment. From bed bugs, termite to bees and wasps and cockroaches, there are several types of pests that attack your home every season and can damage not only your favorite furniture but also take a toll on your family’s health. Thus, it is important to ensure timely measures to exterminate pest and the best time is to get it done right after moving into the new place as it will be easier to do the needful in an empty space than a house full of furniture.

Disinfect the common touch points

This becomes utmost necessary, particularly, when you are moving into a rental property. Areas such as toilet seats, tubs, sinks, doors, and windows, all these areas are major sources of germs and require deep cleaning. Probably wielding a can of disinfectant would suffice. Some of the common known disinfectants are baking soda, tea tree oil and hydrogen peroxide.

Floors and walls

Scouring floor with furniture around could be a painful task. Thus, deep clean the floor while they are still clean. Not only will it be hassle-free but would also save a lot of time and energy which otherwise might get wasted in shifting the furniture and accessories. Any repair (broken tile) should also be considered at this time as it will be much easier to fix them immediately after shifting.



To Know More Thane Real Estate Blog , Home Decorating Ideas, Real Estate Article, Resource Visit Squarefeet Group in Thane Website


Source - 99acres.com


You may also contact us at - +91-22-25452903, 66543333 or Email us at - sales@squarefeetgroup.in

Monday 19 March 2018

Home / Property Loans Tips - 3 Most Common Questions That Home Loan Applicants Ask


The documentation process for home loans can be harrowing for many applicants. The voluminous paperwork can sometimes be very puzzling, thanks to the multiple caveats built into these documents.
It helps you understand why the bank/home loan corporation seeks these papers from you and the purpose they serve.

Questions To Ask Before Taking Home Loan
Credit : freepik.com

I am highly credible. Why then do I have to furnish so many documents?


Home loan processing is a detailed exercise that requires a careful review of many documents. The basic idea is to understand you and your financial standing to ascertain how good a business decision, or otherwise, it is to lend you money for a long term. A good credit score does not mean you can escape the paperwork.
To a very large extent, however, it is in the borrower's hands to be sure of analysing the need and presenting each document for smooth and quick processing of the home loan. It is crucial for the customer to be well versed and aware of the bank's processes and procedures.
My friends and family have filled out home loan applications earlier. Why do I have to give more/different documents?
There are several documents required to apply for a home loan, and these depend on certain key factors.

Your profession

Applicants come from a wide variety of professions and the requirement for one profession could be different from others. There are five main categories of under which the professions are classified:
- Salaried employees: Designers, managers, teachers, public servants on payroll, Navy personnel, etc.

- Self-employed professionals: Traders, businessmen, etc.

- Self-employed non-professionals: Doctors, consultants, freelancers, etc.

- Pensioners: Defense personnel (those who retire before attaining the age of superannuation)

- Exceptional parties: Association of persons, Hindu undivided family, trusts, etc.

Type of Loan

Even within the broad housing loan, there are several sub-classifications on the basis of the purpose of the loan sought for. And, the processes for each are different. The types of home loan are:
- Loan for purchase from developer
- Loan under resale
- Loan for construction
- Loan for plot
- Loan against property
- Loan against rent receivables
- Loan for renovation of existing house
- Loan for balance transfer (from other bank)

Past repayment record

A borrower with a clean past record and a good Cibil score requires to submit fewer documents than the one who has a lower Cibil score (say less than 700). The past records are judged on the basis of the following criteria:
- Standard asset or loan: The payment is made within 30 days

- Special mentioned account: The payment is delayed and the account moves from the bucket of 30 to 60 days and finally to the bucket of 90 days.

- Sub-standard asset: Payments are made after 90 days.

- Doubtful: Payment has not been made for 12 months

- Loss asset: The loan has been identified as uncollectible

Is there a standard home loan document checklist based on specific professions?


Yes, here are a few example of specific professions and needs:

A teacher seeking a loan for purchase from a developer

- Loan application form completely filled and duly self-attested
- KYC documents (PAN, driving licence, passport, voters' ID, etc)
- Proof of income (pay slip for last three months)
- Form 16 (for two years)
- Bank statement (for past six months)
- Income-tax returns (last two years)
- Repayment track of running loans
- Supporting documents in case of sub-standard assets (i.e. running loans)
- Registration copy of the builder purchase property
- No documents required for legal and technical valuation
- Processing fee cheque

A designer seeking loan for resale property

- Loan application form completely filled and duly self-attested
- KYC documents (PAN, driving licence, passport, voters' ID, etc)
- Proof of income (pay slip for last three months)
- Form 16 (for two years)
- Bank statement (for past six months)
- Income-tax returns (last two years)
- Repayment track of running loans
- Supporting documents in case of sub-standard assets (i.e. running loans)
- Documents for legal and technical valuation (Chain of title deeds, sale deed, original papers of property, no-objection certificates, agreement to sell, copy of approved plan, no encumbrance certificate)
- Processing fee cheque

A trader seeking loan against property

- Loan application form completely filled and duly self-attested
- KYC documents (PAN, driving licence, passport, voters' ID, etc)
- Income-tax returns with computation of income (for last two years)
- Profit & loss account and balance sheet audited by a chartered accountant
- Bank account statement (both savings and current) for last two years
- Repayment track of running loans
- Supporting documents in case of sub-standard assets
- All original property documents
- Processing fee cheque

A doctor seeking balance transfer

- Loan application form completely filled and duly self-attested
- KYC documents (PAN, driving licence, passport, voters' ID, etc)
- Bank statement (for last two years)
- Certificate of profession
- Proof of business existence
- Copy of shop/establishment licence
- Income-tax returns with computation of income (last two years)
- Profit & loss account and balance sheet audited by a chartered accountant (for last two years)
- Processing fee cheque
- Letter of outstanding amount of loan with the previous bank
- Repayment track of the loan with the previous bank
- Sanction letter of the loan with the previous bank


To Know More Questions To Ask Before Taking Home Loan , Home Decorating Ideas, Real Estate Article, Resource Visit Squarefeet Group in Thane Website


Source - makaan.com

You may also contact us at - +91-22-25452903, 66543333 or Email us at - sales@squarefeetgroup.in

Friday 9 March 2018

Best 20 Home Decorating Ideas for Small Spaces On A Budget.


March, 2018
We all want our home to look like they belong in a design magazine, but often the budget stands in the way of achieving our dreams. Instead of thinking about that expensive piece of furniture or rug that you can’t afford, how about sprucing up your home with some home improvement ideas on a budget?
In today’s ideabook we present you with several ideas that can help you to bring a stylish look to your home without spending too much. It includes easy-to-implement smart design ideas for small spaces.

Home Decorating Ideas
Credit : freepik.com

1. An artistic wall shelf

Blank walls can make a room look dull. When decorating a small house on a budget, one of the easiest ways to add style to a wall is by painting it a lovely colour, but if you feel this idea is overused, then a geometric or artistic book shelf can add an interesting feature to the blank space. If you are good at carpentry, you can even make it yourself.

2. Sophistication in the TV area

You don’t have to invest in expensive television furniture to make the living room look more organized. Instead, get a wall mounted shelf with drawers for storing CDs and remotes. A light panel board with backlighting is a stylish and inexpensive proposition for framing the wall-mounted TV. This design won’t take up too much space or interfere with the small living room furniture arrangement.

3. A cheap makeover

Add style to a living room with just a few inexpensive touches. Consider covering a floor lamp with colourful fabric to brighten up the room. If the background wall looks too plain, stretch and paste some leftover fabric over some plywood or cardboard to create an instant backdrop. It’s one of those frugal DIY projects that you can get done over the weekend.

4. A partition shelf

When you are looking for apartment storage ideas on a budget, think of furniture that is functional as well as stylish. A wall shelf like the one in this image acts as a room divider in addition to providing space to display décor accessories.

5. DIY art

You don’t need expensive art or the work of a famous artist to make your walls look good. Buy a canvas and let the artist in you take over. Try to bring in colours that are present in the rest of the décor in the living room. Once it’s done, all you need to spend on is the frame for your masterpiece.

6. Paper lampshades

If you are looking for cute cheap ways to decorate an apartment, we have to perfect idea. Buy a few paper lampshades and hang them over your existing lights. It works with almost any type of décor style, whether it’s modern or rustic. Choose white for a minimalist home and brighter colours for rustic or country-style homes.

7. Repaint old chairs

Do you feel like your dining room needs a makeover? How about repainting the chairs in another colour?

8. Customize rental furniture

Nowadays, with the availability of cheap rental furniture, it’s much easier to implement home improvement ideas on a budget. You can take it a step further by adding bright covers to dining chairs or chaises to bring a personalized look that matches your décor.

9. Mirrors

When it comes to cheap home decorating ideas for small spaces, mirrors can become your favourite allies. They not only add style to the space, but also reflect the light to make the area appear larger than it is. Choose frames that add drama to the space.

10. Bar on the wall

If you want a bar area in your home, but can’t afford fancy furniture, invest in a floating shelf over a sideboard in the dining room. Fix racks underneath for storing wine glasses, and you have an easy DIY bar unit.

11. Go green

Plants provide one of the best options for cheap decorating ideas for apartments and small houses. Add a potted plant in the corner of the bathroom to bring a refreshing feel to the space.

12. Candles and flowers

Other DIY ideas for how to decorate a small bathroom include placing a flower arrangement and aroma candles on the counter. It brings a spa-like atmosphere that elevates the style in the bathroom. Instead of flowers, which you need to refresh often, consider a small potted plant with a fragrant herb or flowers.

13. An organised laundry area

Whether you live in an apartment or a small house, having a separate area to tuck away the laundry can bring elegance to your home. It doesn’t cost much to organize a space like you see here with a pull-out ironing board, a rack for hanging clothes and pretty baskets for storing things. Your house will look ultra-modern.

14. Display shelves in the bath

For small bathrooms, space is always a constraint. Instead of adding furniture that will crowd the floor space within the room, fix floating shelves on which you can organize your toiletries and cosmetics. Make it look like an expensive display that you would usually see in a high-end store.

15. Lift the curtains

When you are looking for cheap ideas on how to decorate a small bedroom, consider adding depth to the space by moving the curtain rod closer to the ceiling. This way, the curtains will flow from the ceiling to the floor and make the room look bigger. In the market, you can find readymade curtains that aren’t too expensive. They come in a range of fabrics and prices.

16. DIY wall sculpture

If you are looking for DIY projects for small bedrooms, then a decorative feature, such as this one, can easily be made with wire or thick twine, adhesive and some colourful beads and buttons. It will brighten up the space and add beauty to the wall.

17. Change the laminates

If you are bored with the way your kitchen looks, liven it up by changing the laminates on the cupboards. You don’t have to change them all, just a few will do the trick to make the room look new, without you having to spend much.

18. Repaint the cabinets

Another idea, which you can also include among your frugal DIY projects, for introducing freshness to a kitchen or even a bedroom, is to repaint the cabinets or wardrobes in a stunning shade. Try to choose a colour that contrasts the walls and the floor or matches the tiles.

19. Under stair shelves

If you have a staircase in your house, build a customized shelf unit under it, which can serve as a display space for your living room décor accessories.

20. A bold colour on the wall

A feature wall in a bold or contrast colour is a great way to add a memorable element to any part of the house, whether it’s a living room or a bedroom. You can either attempt this on your own or get the help of a professional painter. Consider decorating with thrift store finds such as masks or mirrors to add to the stylishness.
If you are unsure about how to go about redecorating your house, you should consult a professional to help you with the task. Inform him about the budget that you have in mind so that he can come up with innovative small home decorating ideas that are perfect for your home.

Share This:


Source - msn.com

You may also contact us at - +91-22-25452903, 66543333 or Email us at - sales@squarefeetgroup.in