Month: August 2021

Are you presently engaged in researching home loan schemes & associated T&Cs as offer the reputed banks & lending institutions of the city? To thus possess own dream apartment in Newtown in the nearest future?

One moment in here. Have you finalized the down payment amount from own end? Plan to do that based upon the proportion of home loan you will be approved for?

There is a hack to know right here. If:

• A home loan pursuer commits to 20%-25% of the total property’s value as down payment, the lender organization spontaneously puts forward the best-available loan program with the guarantee of quicker approval & lower rate of interest;
• Since this definite percentage of down payment lowers the credit risk for a bank or private lending body & heightens its confidence in the borrower party.

Is arranging the said amount of down payment appearing difficult, given the current value of your chosen flat? Stress not & rather focus on the:

Down Payment Planning Tactics Financial Pros Vote For

#1 Ready Scope Of ‘Proportionate Release’

Is an under-construction housing project your choice? Then that is one score up for you, as-

♦ Certain banking & non-banking lender firms offer the ‘Proportionate Release’ of the down payment process for home-buyers planning to go for a new or developing property.

♦ Concerning the given time estimate for the project to complete, you get to pay the sum in small proportion over periods– thereby safe from the agony of paying a big one-time amount

Just remember: 

◉ This option turns available when construction is by a prominent realtor house officially recognized by your lender

&

◉ The lending company also releases the home loan amount in slots as you continue clearing every defined periodic payment. So never be a defaulter.

#2 Source Funds Smartly

It is understandable. If your selected apartment comes at Rs 40 lakhs, then 20-25% of that sum – i.e. 8-10 lakhs is not something a common man has ready in hand.

But, what you can endeavor for arranging a 20 percent down payment or more is that of–

◉ Assessing own assets & savings

◉ List all personal assets viable for both selling & mortgage & compare the gains of sale & mortgaging on each.

◉ Note whether your or a family member’s insurance policy is maturing soon, that equals the money required. If not pre-planned for any crucial future expenditure, this becomes your swiftest option to arrange the down payment for the family’s home only.

◉ Think of withdrawing from your Employee Provident Fund since that also offers tax cuts & allows (as per the government) up to 90% of the withdrawal.  

◉ See whether liquidating any mutual fund or a share you spontaneously bought once can pay off good

# 3 As You Calculate Down Payment

Surly try for a low Loan-to-Value or LTV ratio by making a standard down payment. But in that attempt-

♦ Never reach out for the funds kept to meet educational & healthcare expenses of family & handle unpredictable emergencies.

♦ Don’t save money by skipping essential bills of water & property tax, insurance premiums, SIPs, etc.

♦ Because all these expenditures will bounce back pressuring you to take a high-interest loan & cover them, with the obligation of repaying that loan – while EMIS on the home loan continue

♦ Thus exhausting your monthly income.

Plan consciously & purchase one of the apartments in Newtown in the smoothest of fashion. Let Team Realtech serve you with the best of suggestions.

Call whenever convenient.

Simmering cups of tea followed by crispy & tangy snacks. Isn’t this the perfect combination to enjoy evenings of the ongoing rainy season at home with loved ones?

What? The desire for such enjoyment is getting marred by the tension of how to protect your ‘sweet home’ from the monsoon damp?

Then surely you still are not familiar with the pro tactics of home damp proofing suggested for Flats in Rajarhat? Do they ask too much to do?

On the contrary, these tactics turn the easiest to follow for each home-maker – with only requiring to execute them at ‘just the right time’.

Keen to get aware? So, pull your attention upon the:

Smooth But Smart Techniques of Damp Prevention 365 Days

#1) Get Alert Early

Water may seep into the internal walls due to defects and cracks in the exterior walls of the building.

If there are damp patches on the internal walls, rectify them by removing all the loose plaster and re-plastering it with cement mortar that is mixed with waterproof compounds.

Apply a waterproof coating on the patch before finishing the surface with wall paint. In case of a major damp problem, the complete plaster will have to be ripped off and waterproofed right from the bricks outwards.

Make it a point to seal all the gaps around window and door frames with silicone sealants.

#2) Preserve Your Woods

Due to moisture in the house, the wooden furniture can become wet and leave molds on upholstery.

Since it is not possible to wash it, or keep it in the sun during monsoon, try to prevent the situation in the first place by pursuing the prime step of how to stop mold on walls.

Clean it with a dry cloth. However, if you are already facing this problem, then take 2-3 tablespoons of salt.

Keep it in a cotton pouch and place it between the linings of the sofa. Change the salt every two days, once it absorbs all the moisture and becomes damp.

#3) As The Rain Drops

Damp walls feel cold to the touch; it also causes the flaking of paint and bubbling of wallpaper.

Additionally, mold and fungal growth form greenish-grey spots on the walls. Such wall dampness is caused by constant water leakage, maybe from the roof, leaking water tanks, or seepage in exterior walls.

A strong musty smell within these areas is a clear indication of dampness.

Check the tile grout in moisture-laden areas like bathrooms and kitchens for any kind of mold growth. The mold shows the grouting’s waterproofing is compromised and might let water seep into the floor or walls.

Black mold may develop around the frames of wooden and uPVC windows due to water seepage through gaps between the window frame and the wall.

#4) Prep For Next Year

Preferably, the exterior of a house should be painted between February and April.

No exterior painting work should be undertaken when it is raining. Interior painting too will be futile in cases where the exteriors are not painted in the right way, as the moisture already presents within a wall will damage the new paintwork.

So, one should opt for interior painting only in October. Enough time should be given for all internal moisture to dry off.

Not much to do for your dream home & prevent all the hazards of broken walls & leaked ceilings, isn’t that so?

Wait not but get started today.

And remember for your every query about upcoming & available Flats in Rajarhat, Realtech Nirman is simply a click away!

Connect when you wish for.

Isn’t a clean home one real-time happy home? One big YES you are saying? Then surely, like owners of reputed housing projects in Rajarhat, you commit the best possible towards maintaining the cleanliness of own house/apartment.

What? The problem of rodents & insects is one issue you are failing to cope up with? And fearing thereby the hygienic environment of the house being at a stake?

Well, take a deep breath and get to know the

DIY Measures Of Pest Control Home Experts Vote For

#1 Unclog To Perfection

The grime & food spills clogging your kitchen sink & the dirty bathroom drains. Recognize such areas as the ‘favorite’ breeding site of small flies – inhabiting the toilet bowls, kitchen walls & often the fridge.

So, as the prime step of own home cleaning schedule,-

♦ Inspect for clogs at all existing sinks, faucets & drainage systems in the house &

♦ Use a homemade mix of baking soda & vinegar (equal amounts of each, recommended is 2tbsps) as a remedy. When poured over any debris or gunk, the mixture results in a foaming action – perfectly diluting & removing those.

In this regard of preventing flies, learn that –

♦ Solution of apple cider vinegar & dish-washing detergent appears one authentic measure against those food-contaminating fruit flies. 

♦ Simply fill a cup or small bowl with the cider & add 5-6 drops of detergent into that. Keep at one corner of your dining or kitchen. While the vinegar’s sweet scent attracts these flies to the bowl, the detergent’s poison acts as a solid trap for them.

#2 Smart Mesh Choice

You do use mesh screens for the windows & doors – but still can’t avoid the agony of mosquitoes in house?

Probably, the nets are not the correct type for serving your purpose. Thinking what’s that? To guarantee a water-tight shield against mosquitoes, endeavor:

◉ To only buy screen meshes possessing 200 holes/ square inch. Pick the Peel-&-Stick variety, to replace easily & instantly by yourself, when required.

#3 Spray Them Off

In accordance to the pros of pest control at home, all-natural-ingredients sprays often work better than professional services to –

◉ Especially repel spiders & lizards from entering homes.

Curious to know? For spiders & their chain of cobwebs,

♦ A blend of water & peppermint or eucalyptus essential oil emerges as the best ‘weapon’.

♦ Just fill any empty spray can or bottle with regular tap water & add 20-25 drops of any 1 of these essential oils. Shake well & spray behind the curtains, end corners of walls & window & door trims.

As to repel lizards-

♦ Ground some pepper & add into cold water. Mix well & spray at all places you know the lizards’ love!

Repeat both the sprays on a bi-weekly basis.

#4 And Attempt To

◉ Wipe the furniture surfaces, hangers & window fronts with a mix of white vinegar & water (2 teaspoons each) to thus get rid of cockroach eggs, beetles larvae & carpet bugs

◉ Sprinkle grounded coffee powder or turmeric at sources ants ‘welcome’ themselves at your home

◉ Bring home a lavender plant that’s reputed to be repellent for all insect sorts

When giving a call to professional pest control raises a question upon both your budget & daily routine – these handy techniques do emerge as blessings to keep interiors neat & clean. 

So wait no more to implement them in own home maintenance checklist.

In between, for your query about present & upcoming housing projects in Rajarhat, Team Realtech is just one click away. Access us anytime.

Is it the very special time when you are planning to buy the home long-wished-for? And with one good credit score approval of a home loan at a suitable EMI scheme seems promising?

So, now is the perfect hour to explore the popular apartments in Newtown & decide upon one.

Hold on for a moment. Are you aware of those-

Expert-Favorite Check Points Prior to Finalizing Any Newtown Apartment

? Then Pay Attention to the 4 Crisp Tips here:

#1 At First Shortlist

A must if wishing to be one smart home buyer. 

Explore the nearby facilities, such as gym, work, schools, hospitals, parks, public transport, and shops. 

Attempt to gain an apartment near cafes, clubs, and theaters. Near flyover, the location turns out good for investment.

Assess the amenities near your property as compared to your requirements. Determine whether suitable facilities exist for your kids, spouse, and elder family members. 

Check the amount of passing traffic & commotion. 

Visit an apartment at rush hours to check the noise. And if that turns out agony for your lifestyle, think again before investing in this apartment. 

For instance, an apartment near a bar may increase the chances of sound pollution for you.

# 2 Super Built V/s Carpet Area

Once done shortlisting a project from a builder of your choice, ask for the in-detail site and floor plans.  

Know perfectly whether the price realtor is quoting is for the Super Built-up Area or the actual space that you will live at. 

The Super Built-up Area includes the specifications for the common access area of all the units on a floor. 

As say those ever-effective flat buying tips, double-check every aspect with caution before spending money on a particular property.

# 3 Maintenance Charge Criterion

Don’t fall in the group of those ignorant home buyers, who forget to ask while buying & witness the monthly budget pass all predictable limits – just for the monthly flat maintenance charges.

These charges generally comprise the property & municipal tax, water, electricity & elevator charges, assessment tax, & if available, the monthly fees to gain domestic help. 

Get an idea before paying the booking amount & compare it with own monthly budget limit.

Moreover, as an indispensable facility, gain assurance that the building/housing society is offering 24* 7 security & daily garbage cleaning services.

Having own vehicle? Have a detailed discussion with the sales executive about the yearly/one-time cost plan for a parking slot & add-on features. 

In short, let no issue of hidden or extra charge hamper happiness of own home. Clear every confusion. 

# 4 Rational Not Emotional

Your heart desires to purchase a nook, right?

However, when finally choosing an apartment, give priority to what the mind says.

This approach turns essential since property investment is one big decision – to be taken following logic only. 

Remember, you are planning to spend the rest of your life with family in this particular space.

Thus, to make the perfect decision in here, keep heart’s spontaneous liking for any flat –away.

Think of this as a business investment, thereby weighing every pro and con of buying the definite property. 

Negotiate over the price as much as possible & wish you gain the best possible bargain over the chosen apartment!

Also, re-think the total budget including the housing fees. Calculate the property’s future value & your recurring expenses to maintain it.

The mind will spontaneously answer which one to buy.

Smooth steps to follow, aren’t they? But gain guarantee that if you get serious in pursuing them, you perfectly gain the apartment in Newtown to cherish with loved ones for a life-time.

Let Team Realtech help you in this vital journey to your happy home.

Ring us today.