Top Kid-Safety Rules Every Home-Maker Needs To Follow

Safety of own child. Isn’t this the one top priority in your parenthood journey?

Then tell one thing. How secure is your Flat in Rajarhat for your kid? The criterion defining this ‘security’?

Well, essentially, a home where the little one can play around without experiencing unexpected accidents or injuries.

Not sure whether your home fulfills this? Worry not, as here emerge:

 

The Prime Tips To Make Every Home Child Safe

 

Acknowledged by Reputed Child Counsellors

 

#1 The Doors Rule As The Ground Rule

 

Closing the door after you should be your number one safety measure to introduce at home.

This will not only ensure that intruders cannot access the house and the younger kids cannot find their way out. Keeping the door closed will give you the confidence that your kids are well protected inside.

At the time when they are infants, it would have been easier to ensure their safety is maintained as there are numerous safety devices to use in the market. However, at an older age, they can understand the importance of the safety measures you have taught them.

 

 

#2 Restrict Access For Well Only

 

As your kids grow up, you may longer have to use safety devices such as baby gates. This is because they have already outgrown it. Most of these safety devices are designed for children less than 7 years.

Therefore, what you need to do as a parent is to teach your kids what areas they are not allowed to access. They are grown up and this means they will be able to understand the reason why you are telling them so. These rooms include the kitchen and laundry rooms.

 

 

#3 Ensure The Electric

 

Every parent knows that children are curious by nature. Also, electrical points and outlets are an invitation for kids to mess around and stick their fingers in. This can create a fatal scenario for your kid. 

So here are some tips to ensure home safety for preschoolers against electrical hazards in the house:

‣ Unused wall outlets and outlets that are within reach of children should be adequately secured. (Pro tip: You can consider blocking the outlets by creatively arranging the furniture!)

‣ Hide the extension cords behind the furniture, or use a hide-a-cord device. 

‣ Never leave unattended devices and cables. 

‣ Keep all electrical appliances outside the reach of children

 

#4 Guard It Right

 

Falls are the leading cause of hospital admissions to children under 5 years of age. When infants and toddlers are in high chairs, in prams, and on change tables, safety harnesses reduce the risk of injuries due to falls.

And, if your Flat in Rajarhat has stairs, having stair guards in place, significantly reduces the chance of admissions to the hospital for a fall down stairs by young children.

 

 

#5 The Water Code

 

Kids love to splash in the water, whether it is a bathtub or a swimming pool. Though it is a fun time, chances of accidents like drowning can occur in water tubs or pools. Make sure the water level is not more than the waistline of your kid when you place him in a tub or sink. Never leave your kids unattended, even for a second when the phone rings or the doorbell rings. Give strict instructions to your kids that there must be no pushing while enjoying a dip in the pool.

 

 

A Happy & Secured Life To All Parents & Their Kids From Team Realtech.

 

 

 

 

 

 

 

5 Best Practices For Homemakers To Follow During Dhanteras

Dhanteras or Dhanatrayodashi prevails as one primely auspicious Hindu festival – marking the beginning of Diwali rituals & celebrations.

While families across the country endeavor to observe this festival with all earnestness, there stay certain essential observances to be followed on this day – to thus fetch the ultimate quotient of divine grace.

What? You too are thinking of observing Dhanteras this year at own apartment in Newtown? Then undoubtedly knowing about those ‘essential observances’ will be helpful, right?

Wait no more to learn –

 

The 5 Must-to-Pursue Rituals During Dhanteras

 

As opined by the country’s Vaastu experts & famous astrologers

 

#1 The Right Time To Worship

 

A foremost step to adhere to, if you truly desire to fetch the deities’ blessings for prosperity on Dhanteras.

As per Hindu religious beliefs, the festival is to celebrate the appearance of Goddess Laxmi & God Kuber with bounties of wealth from the churning of the ocean or Samudra Manthan.

Accordingly, Pujan is offered to Them on this day & the most auspicious time to do that is during the Pradosh Kaal or dusk.

In this relation, experts especially prioritize the exact Lagno or moment for performing the puja. Sincerely pursue that to let the graces of Maa Laxmi & Lord Kuber stay in your apartment in Newtown till the end of times.

 

#2 Perfect The Preparation

 

One significant procedure to commit to & thus appease the 2 deities with your worship.

Just as important it is to do the Dhanteras Puja with the right Vidhis (rituals) & correct Mantras, necessary as well are the pre-worship preps. In essence, be sure to-

‣ Spread upon own Mandir a new cloth

‣ Place over that cloth new images or idols of Lord Kuber & Maa Laxmi

‣ Choose sweets, coconuts & fresh fruits only as the Naibedya or holy offerings

‣ Decorate the idols/photos with garlands made of cotton beads

‣ Keep the Marigold flower & Bel leaf primarily for worshipping

‣ Make Rangoli or Alpona in the morning of Dhanteras, with rice flour & natural gulal or abir & strictly avoid artificial colors. In this regard, drawing tiny footprints at the entrance of your home will turn highly auspicious, since that is acknowledged as the arrival of Goddess Laxmi.

‣ Just before initiating the Puja, draw the Swastik sign on your locker/cash box/business book with red vermillion, symbolizing God Kuber.

 

#3 Buy What Is Most Auspicious

 

Gold jewelry, metal objects, steel utensils – you hear talks about purchasing such objects during the phase of Dhanteras, isn’t so? But, are you aware of the luckiest things to buy on dhanteras? Not quite? Well, to highlight:

‣ Idols of Goddess Laxmi & Lord Ganesha, crafted from copper or clay

‣ Gold & Silver coins

‣ Utensils of brass & silver

‣ Electronic appliances for home usage like television sets, refrigerators, microwaves

are the 4 most expert-voted auspicious objects for Dhanteras buying.

Buying a new home/booking a flat, or investing in real estate on Dhanatrayodashi is also highly suggested by veteran Vaastu Gurus, for it turns out beneficial for you in the long run.

 

#4 Acknowledge Lord Dhanvantri


As per the Samudra Manthan tale, during Dhanatrayodashi, Lord Dhanvantri, or the God of Ayurveda also appeared from the churning of the ocean, carrying a pot of elixir.

In accordance with this belief, worshipping Lord Dhanvantri also stays as one most essential rituals of Dhanteras &

‣ Performing His Puja with Shodashopchara (Hinduism’s rule of worship via 16 different processes) & while facing the East becomes highly auspicious. Your family members thus fetch the God’s grace for staying healthy & energetic always.

Donating medicines to those who need them & helping ill people on Dhanteras is also believed to please Lord Dhanvantri.

 

#5 Light The Phase Up

 

As per our Puranas (Skanda Purana and Padma Purana), observing the ritual of Yamadeepam also remains an integral part of celebrating Dhanteras.

In the name of Yamdev or the God of Death, light up a diya during Dhanteras evening in the presence of all permanent members of your home. Now, place that lamp at the outside threshold of your house, facing the South direction & seek the Lord’s blessings wholeheartedly.

This ensures the prevention of unexpected deaths in the family & removal of negative energies from the house.

 

 

May all dream homes blossom with prosperity & health.

Happy Dhanteras to all from Team Realtech.

 

 

 

 

 

 

 

To Buy Your Dream Apartment? First Decode The Loan-To-Value Ratio

For owning your dream Flat in Kolkata, getting an adequate home loan turns essential, right? Now, amidst various factors determining a home buyer’s home loan eligibility & approval probability, the aspect of the Loan-to-Value or LTV Ratio stays crucial.

Say what? You have heard of this term but not much of an idea about what is it. Worry not, since right here we present-

 

An Expert Insight Into LTV Ratio For Housing Loan

 

#1 The Core Idea

 

A home-buying loan from any bank or financial institution does not amount to the full value of the property you plan to buy. And, right in here, the LTV idea emerges as essential.

Loan to Value Ratio implies the percentage of the property value, the lending institution will finance through the loan.  The remaining cost of the property must be self-financed by you, the home-buyer.  Typically, banks & lending bodies inspect the LTV ratio before approving a home loan to make sure that they are not lending an amount higher than a house or apartment’s actual cost.

 

#2 Way To Calculate

 

Always expressed in percentage, the LTV ratio is determined through:

Dividing the loan amount to the property value.

The accredited formula to calculate appears:

LTV ratio = Borrowed loan amount/home value x 100

Note that, lenders always prefer approving home loans to buyers opting for lower LTV ratios; since a reduced LTV ratio minimizes credit risk for lending organizations.

Thereupon, try going for a low ltv ratio for housing loan, to thus increase own loan eligibility in essence.

Some home loan lenders also offer lower interest rates to applicants opting for lower LTV ratios. 

A reduced LTV ratio can also aid a home buyer in gaining lower interest rates.  Inherently, a low Loan-To-Value Ratio equals a low loan amount, which in effect, cuts down the overall interest cost for you.

To highlight here, SBI is one Indian bank that determines home loan interest rates based on the LTV ratio primarily.

 

#3 The RBI Criterion

 

A must-dose of knowledge for home buyers to realize the LTV mark based upon their individual home loan needs.

As per the standard set by the Reserve bank of India, authorized banks & lending firms can offer:

‣ LTV of up to 80%: For home loans between Rs. 30 lakhs and Rs. 75 lakhs

‣ LTV of up to 75%: For home loans above Rs. 75 lakhs

This being the general ground rule, however-

⁌ 90% LTV ratio also stays available if your desired Kolkata flat is worth less than Rs 30 lakhs – the objective here is the promotion of affordable housing for every Indian.

⁌ Moreover, if your lending bank or institution is a collaborator in the project you have chosen, you get auto-approval for a much higher Loan-To-Value ratio.

 

#4 The Ideal Range

 

What’s the best ltv ratio? Reading till now, is this the question giving your mind a knock? Well, get aware more than knowing the ideal or best percentage, the necessity is to know the exact quotient of LTV you can gain.

And, that is primarily determined by-

The interest rate offered on the home loan scheme a home buyer is pursuing.

Considering that proportion, you can then decide whether to opt for a higher or a lower LTV. If the interest rate prevails on a higher mark, loan experts advise choosing a smaller home loan amount, in relation to a larger down payment.

A good-enough down payment lowers your LTV & resultantly you save money on the interest and EMI, along with a reduced loan tenure.

Thereby, prior to applying for a home loan make a thorough analysis of your current & upcoming financial condition.

 

 

Feeling enlightened? What next? To finalize a Flat in Kolkata that will become the home sweet home for you & family forever?

Wait not to get in touch with Team Realtech. We await to cater dream homes to all.

Drop a call when it’s your time.