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4 Smart Yet Budgetary Home Improvement Tips

Home Sweet Home. But, will the sweet ambiance stay intact at your apartment in Newtown, if you don’t care enough for its appearance? 

Practically no, right? Then again, giving daily attention to own house’s look turns just not possible.

Well, ‘daily attention’ is, again, practically not necessary –

♦ If you stay aware of some savvy & on-time techniques of home improvement

Perfectly budget-friendly & easy-to-execute, these hacks guarantee of securing the lively & unique look of your flat – no matter how old it, in reality, gets.

Wish for learning? So here arrives the

 

4 Expert-Chosen Home Improvement Ideas

 

#1 Secure Wow With Wallpaper

 

One most effective technique to apply & both –

♦Protect your walls & always preserve a chic feel within own interiors

Peeling off of paint, the appearance of cracks, moist feel & those never-avoidable stains & spots:

♦With the flow of time, your walls do suffer much, marring thereby your home’s appearance.

And, yes, going for a fresh coat of paint or any wall treatment not always turns possible.

This is just the point where, as prime DIY home improvement tips, wallpapers – specifically the Vinyl variety, appear valuable. 

Water-proof, highly dense, super-absorbent (for grease & stains) & available in diverse engaging textures & patterns – Vinyl wallpapers are truly a blessing, to not just hold but enhance the appeal of your inner facades. 

What more? The sheets do not release any toxic element into your indoor air & can be maintained in as good as a new state – through easy moping or scrubbing (no worries, they are mostly tear-proof), for years to come.

Coming at a fair price range of Rs 1000-2000/roll, they are friendly towards your pocket too, isn’t so? If compared to the cost of repainting or re-putty?

 

#2 Pleasure of Plants

 

While canvassing tips home improvement, green foliage stays as prime choice of pro interior decorators.

 Not only do indoor plants instill a completely novel look & refreshing vibe into an old home at the minimum of cost, but also-

•Can lessen the risk of cardiovascular diseases for people in that home – as reveals recent research of the American Heart Association

•While making your indoor air toxin-free & way much better to breathe in

From the corner of the living area/bedroom to bathroom window sills, beside the shoe cabinet or dining table; think of greenery anywhere around own apartment & witness the purely lush essence thus ‘improving’ your home.

 

#3 Spray It Right!

 

Kitchenware, lighting fixtures, knobs & handles of doors & cabinets & those metal racks & furniture – wear & tear is the most common issue to affect these & similar household items.

But why bother replacing them, when you can rejuvenate them with just a few sprays!

Simply Google ‘Spray Paint’, get a branded one & begin infusing new life into daily use items & thereby into own apartment in Newtown.

Be it fiber, wicker, aluminum, wood, or glass – spray paints can make own magic over literally any material existing; while asking only a few hundred from you.

 

#4 Cleanse Good

 

The upholstery across your home contributes much in maintaining a brightened & delightful interior. 

So fix a monthly or bi-monthly routine for giving the curtains, sofa & cushion covers, dining tablecloth & your bedspreads a good rinse & wrung at home- with investment of no extra money, but only the labor of love.

 

Then air-dry all & note the difference clean & warm upholstery brings to your interiors. 

 

Not much difficult to pursue, are they? So get going with the tips at the earliest & keep improving own interiors forever.

Meanwhile, for any query about apartments in Newtown, just drop Team Realtech a call.

When? Whenever it’s your time.




Prime Home Loan Tips First Time Home Buyers Must Know

Will this winter be a much special one in your life? And that is because of your plan to buy a flat in Rajarhat during this very season?

 

While this is one thumbs-up endeavor, say one thing. As a first-time purchaser, are you aware of the ‘exact route’ to take & get best deals for first time home buyers?

 

Not much of an idea? Stress not as the following information guarantee to enlighten you. So, take a deep breath & learn the:

 

Top Points For First Time Home Loaners

 

#1 Talk to Yourself

 

Sounding strange? But this is quite much essential before you step inside any bank or lending firm.

Right after the decision of buying a home, plunge into a detailed analysis of own financial status, ascertaining 

Whether you can-

 

  1. Take the ‘EMI pressure’, which, at the minimum, accounts to Rs 632 per lakh (as per market value on 5th December 2021) – while maintaining all of the monthly essential expenses

2. Put forward 10-25% of the apartment or house’s total cost as a down payment -& yes, best if without taking any other loan for that. As an example, if your desired flat’s price is Rs 30 lakhs, then it’s good if you approach the home loan process; only after having Rs 6-7 lakhs in hand

3. Get a working family member (spouse/sibling or parent, a maximum of 3 persons are allowed) as a co-loaner, since that increases the slab of loan you can be eligible for

4. Clear all pending credit card payments & overdraft transactions & thereby enhance own repute in eyes of the lender

5. & If You Have A Credit Utilization Ratio (Ratio of Your Taken Credit Amount to the Maximum Credit You Can Get) below 30%

Point No-s 4&5 also helps you to maintain a FOIR or Fixed Obligations To Income Ratio within the expected range of 50-60% & therefore strengthen the possibility of your required loan’s quick approval. Remember the lower your FOIR is higher is the approval scope.

 

#2 Get Powered Up By PMAY 

 

As an inherent inspiration to the ‘own home’ dream, the Pradhan Mantri Awas Yojna or PMAY ranks high amidst all the first time home buyer benefits in the country. 

As per this program if, as a future & first-time owner, You:

 ♦ Are having an annual income of

 ♦ Rs 3lakhs

 ♦ OR

 ♦ That within the range of Rs 3lakhs – Rs 6lakhs

 ♦ Do not have another well-built or ‘Pucca’ house as a registered property

 ♦ And are not availing benefits from any other central government scheme;

 ♦ You can gain an interest concession of 6.50% on a maximum home loan of Rs 6 lakhs for a tenure of 20 years.

PMAY stays valid till 31st March 2022. So waste no more time to apply!

 

#3 Avoid As A Ground Rules

 

A

Loan tenure of 30 years, with the best range being 15-20 years.

It’s true that the lowest EMI scheme of Rs 632/lakh is available for the 30-year phase only, but

Notice that this ultimately makes you end up paying an interest amount of more than Rs 1,27,000;

While, if you opt for a bit higher plan of Rs 871 per lakh over a 15 years period, you pay a legible interest of Rs 56,780.

B

The Flexible EMI policy (altering your monthly repayment amounts throughout the loan tenure)- it may reduce the installments in the beginning years, but, as per pro realtors of Flats in Rajarhat, the plan makes your EMIs become overwhelming in the long run

 

Points noted? Now to choose the perfect home, right?

Then think no more to ring Team Realtech & explore homes curated for every need & dream.

Ready when you are!













3 Top Advantages For Women Home Buyers In India

A recent survey of the Post COVID real estate market in India reveals:

Of around the 4000 survey participants,

♦ 82% of women expressed interest in purchasing home for end-use

♦ To 70% of them, the on-going time is ideal to invest in a property

♦ Around 31% are stimulated by the security a home or flat offers as a physical asset

(Ref: www.livemint.com )

Is your feminine instinct connecting perfectly with these survey participants? And so is getting boosted the cherished dream of your own apartment in Kolkata ?

So why keep that dream locked up any more? Simply gear yourself up to live it – especially when there are prevailing distinctive advantages of women property purchasers in our country.

What are those? It’s time for a crisp knowledge trip:

 

3 Prime Perks For Indian Women home buyers

 

#1 Power of PMAY

 

Launched in 2015, the Pradhan Mantri Awas Yojana or PMAY indeed authorizes you & every alike woman desiring to purchase/possess a house or flat – irrespective of any age, class or marital status discrimination.

As per the scheme,

♦ Each female PMAY applicant will receive a subsidy of up to Rs 2.67 lakh on home loan interest, while buying own first house

♦ A house bought under the Yojana must be registered in the name of at least one lady family member

 

#2 Kudos To CLSS

 

Government’s Credit-Linked Subsidy Scheme or CLSS essentially champions women home buyers subsidies in India by one real-time broad program:

»Economically Weaker Section (EWS) scheme highlights 6.5% subsidy over home loan up to Rs 6 lakhs for women annually earning less than or equal to Rs 3 lakhs

»Low Income Group (LIG) plan empowers women with an annual income of less than or equal to Rs 6 lakhs by offering same perk as the EWS scheme

»Middle Income Group 1 or MIG-I strategy champions women earning an annual income of Rs 12 lakhs (& not more) via 4% subsidy on home loan up to Rs 9 lakhs

»Middle Income Group 2 or MIG-II plan serves women with an annual income not exceeding Rs 18 lakhs with 3% of subsidy over home loan up to Rs 12 lakhs

CLSS’s primary aim remains to inspire widows & single working women to become property owners & thus securing their own future.

 

#3 Best of Banking Initiatives

 

One prime reason for your feminine zeal to get set for buying an Apartment in Kolkata.

More like complimenting the afore-mentioned government schemes, reputed banking bodies like SBI, HDFC, IDBI etc offer to ladies applying for home loan –

»Rebate on interest rate varying between 0.05% and 0.1%. On a monthly basis, this may result in saving only a few hundred upon the EMI; but, if calculated over the entire tenure of 25-30 years, you get to save more than 1 lakh on the entire EMI amount

»Significant tax deduction over loan repayment, which generally extends to a maximum of Rs 1.5 lakhs on the principal & up to Rs 2 lakhs over the interest slabs

»Exciting add-on benefits like gold coins, holiday packages & credit cards to appeal to each ambitious dame

And as an icing on this cookie, SBI brings forward its own special Her Ghar scheme – a program totally devoted in assisting the country’s home buying women fraternity.

 

Smoother is the road to your dream Apartment in Kolkata, ain’t it? Then make the move to connect with Team Realtech & be the proud maiden possessor of a sweetest home!

Ring us when you are ready.

 

 

4 Apartment Architecture Trends Stealing Spotlight in 2021

Are all necessary financial preparations done for buying your desired apartment in Newtown ? So now comes the step of choosing the home matching your dream & suiting your needs, right?

In this relation, focus on an aspect. Don’t you wish own house to gain admiration from every guest coming in? Then it must be in terms with-

»Present trends of residential architectural design

Where to know? Simply focus here on the

 

4 Crisp Apartment Architecting Trends of 2021

 

#1 Oomph Of Open Spaces

 

To satisfy the Generation Z homeowners takes birth the innovation of open floor planning.

Celebrating the concept of family bonding & interaction, the main spaces of a home – living-dining-&-kitchen are getting a communal design, which, in effect, makes your apartment all the more welcoming & amiable to people.

And yes. Not to forget the practical gain in space by doing away with unnecessary walls & bends.

Whether to-

♦ Set-up own home office

♦ Plan a movie night will favorite cousins or pals

♦ Or keep a check on children playing in the living area from the kitchen

open floor plan is the prime apartment design trend to impact present & future lifestyles.

It indeed redefines the use of space & home designing in the 22nd century.

 

#2 Getting Back To Vintage

 

And why? For the love of aesthetics-in-a-homely-style contemporary home-buyers are increasingly showing.

As depicts a pro of modern apartment architecture, in 2021, people wish for not just a well-constructed house, but a home that reflects grandeur & glory – while preserving a cozy vibe.

And thus comes into the scene the idea of ‘neo-traditionalism’ that blends traditional approaches of home designing with new techniques of flat building.

Result? You witness apartments reflecting royal-style arches & elevations perfected through the engineering required in modern construction.

Also, homes in there embrace a timeless feel – with classic-patterned crown moldings, antique-style ceilings & the voguish excellence of vintage construction– stimulating the sweet jealousy within your every guest!

 

#3 Feel Good As A Must

 

Trend apartments in Newtown are essentially championing via –

♦Sleek-in-style-but-spacious balconies & cross ventilation that welcome free flow of natural light & air inside

♦ Surrounding of landscaped greenery

♦ Minimized noise pollution with thick interior walls

♦ Planned swimming pools with promises of hygiene & security

♦Installation of smart-&-sustainable artificial lighting at each dark corner of your home

Reason? To make the present-day criteria of staying healthy & staying at home, as much possible, delightful & flawless.

 

#4 Novel Patterns In Construction

 

Quirky, edgy, futuristic…young home purchasers are voicing out the demand of such flat designs – to thus make own ‘home sweet home’ an authentic out-of-the-box image.

In effect appears a pattern of apartment architecture design that’s-

»Fluid by the rules of construction 

»Rules-breaking in terms of dimensions & angles

»Ultimately customized by the idea of exclusiveness

Thereby finds New India’s new home-buying generation a scope to make own homes viral in social media in the truest sense.

 

Are there, in reality, apartments in Newtown, which match any of these trends?

Well, there stay buildings that fulfill more than 1. Where?

Get connected with Realtech Nirman & re-learn the concept of trendy & urban homes- boosted with happiness.

Ring us when it’s your time.



Here Busting The Top 5 Myths About Home Buying For You

To buy or not to buy flat in Rajarhat? Is this the present mental state you are going through? 

And why? Because of the sheer ‘overload’ of information on what to do & which aspects to stay away from while buying an apartment?

Listen. It is not necessary that whatever idea or information is prevailing in the market with regards to property buying is practically useful.

How to determine what is useful?

 

It’s easy with

 

5 Home Buying Myths Busted By Experts

 

Eager to access the truth? Let’s begin:

 

#Myth1: You Have Missed The Right Time

 

A reaction you are bound to get whenever announcing own property buying decision amidst friends, relatives, or office colleagues.

“Why not plan 6 months before?” “You will now unnecessarily pay extra because you missed the golden period.” “Could have given me a call earlier”….all such comments are bound to leap up.

It’s true that given certain central & regional government initiatives & banking sector’s announcements, 2021 is a fit year to buy flats in Rajarhat.

But, even if you are not prepared this year, that doesn’t mean you have given the ‘Right Time’ a miss. 

Because, for an individual planning to purchase a house, the ‘Golden’ time is the one when he/she is prepared to take a bank loan following all protocols & can undergo the EMI responsibility – while maintaining all monthly expenses.

So to fulfill the dream of own home, it’s better to focus on that preparation in place of hearing comments as highlighted above.

Only one tip-

» If you have plans of relocation in the coming 2-3 years, do not approach the endeavor of apartment buying before that. Home sweet home is bound to become a burden then.

 

#Myth 2: 20% Down Payment Is Mandatory

 

Not in reality. Because if you can pre-qualify for a home loan with a good credit score, you automatically gain the leverage to bargain with the lending body or bank:

♦About the rate of interest,

♦ Decision over which, in turn, decides how much down payment is practically required.

Thereby, instead of taking the pressure of how to arrange the down payment sum, take endeavors to build a good credit score as is required for home buying in India.

 

#Myth 3: Like The House, You Can Adjust With The Neighborhood or Location

 

One amongst the most common myths in buying home in India. 

“Wherever is your home, it’s paradise” – in today’s changed lifestyle, this saying does not stand as totally correct.

Reason? Every family member needs to go to work each day & the children or elderly members require to stay alone at the house or flat. 

So aspects of transport convenience, safety, trusting the neighbors do come up as crucial points. 

And in this context, it turns inherent for you to pick a site that promises quite-much ease of communication & commuting & is reputed (at least not bad-named!) as a residential area.

Now, on how to get such a location brings us to debunking 

 

#Myth 4: Buying From An Established Real Estate Firm Is Not Essential

 

You wish for a home that will witness your life’s progress & blossoming of relations, right? Then it must be a well-built one to stand natural calamities & offer access to amenities that make your daily life easier & faster.

And yes! In a real-time proper location as we were just discussing above.

Given to all these reasons, you must buy own dream home from a reputed real estate house only.

From guarantee on the quality of construction material to the inclusion of civic facilities, such a firm will serve you all – along with a well-connected & prospective location.

 

#Myth 5: Take The Maximum Loan Amount…Because You Are Getting Approval

 

And why this is a futile idea? Well, will an EMI scheme of 50k appear to fit for you? For, you can get approved for 1 crore or more home loans – but the EMI range too will be around or above 50K.

Calculate & bust the myth yourself. 



Are these points appearing as your true home buying guide? Then why the wait to buy own Rajarhat flat?

Drop Team Realtech a call at a time suiting you only.






5 Fine Ways To Celebrate A Safe & Happy Diwali

It’s time to gain the blessings of Goddess Kali, Lord Ganpati & Goddess Laxmi; it’s time pamper own taste buds with ‘Mithai-s’ & ‘Gulab Jamun-s’ & it’s time to deck up your Kolkata apartment with those fairly light strips & decorative tea lights

 

And why? Because Diwali is coming!

 

But, this year the spirit of celebration won’t be full-fledged, right? For the pandemic is persisting.

Just like this fact is true, there also stay

 

5 Top Tips For A Safer & Joyful Diwali

 

#1) Highlight The Hygiene

 

A must, if you want to have a safe diwali in real-time.

 

Request every visiting guest & neighbor to keep their mask on & arrange the furniture in your living room or hall in a style, which allows in keeping a minimum distance between everyone seated.

 

Let not one particular space get crowded & plan for seating arrangements in the dining area & balcony as well.

 

Yes, you may have to hire some chairs, but isn’t it better than cutting-off dear ones from the Diwali party guest list?

Also, keep a bottle of sanitizer handy at each seating zone & apply it on own hands, every time you go to check on guests there – thereby making them conscious of using it.

 

One more thing:

♦Try serving food & drinks by only disposable cups, dishes, glasses & cutlery & keep ample extras to use, thus ruling out the possibility of one guest using another’s used dish/cup & getting contaminated.

 

#2 Decorate With A Desi Flavor

 

Smoke from flavored candles & gas from the led strips are prone to affect people with breathing problems & lung ailments & thus making them vulnerable to the Corona Virus.

 

Surely you can’t remember who amongst the guests is having such an issue.

Therefore, it’s better to avoid the electrical & fancy light decors & switch to mud-made Diyas & cotton wicks to light them up.

 

No gas, no smoke – but only pure beauty to enkindle your Apartment in Kolkata. Along with a flood of appreciation from guests!

 

Simply Google for our Desi Diyas & get amazed by the unique designs & pattern options you will get to choose from.

 

#3 Crackers …But Eco-Friendly Ones

 

Just like the electric lighting, fire-crackers too are harmful – not only for people with problems but also for all of us.

 

The carbon & vapor particles released from the bursting of crackers essentially act as a triggering agent of asthma & bronchitis – even in perfectly healthy people. And this, concerning the present pandemic, can result dangerous.

 

Therein, try making a shift to Seed Crackers, which may not bring you the mirth of bursting crackers, but promise to cater the joy of growing plants!

 

#4 If Participating In Group Activities

 

Be cautious to:

»Wear a mask always (no excuse for pictures, please)

»Maintain at least a 1-meter distance, whether making Rangoli with others or bursting crackers in housing society’s grounds

»Carry, not a sanitizer, but paper soaps & water in place of fire-crackers. Alcohol can’t get in contact with fire, remember?

 

#5 Gift Health

 

Clothes, perfumes, sweets, jewelry – you have given them a lot & every year.

 

This year take a different approach & present a near one with health insurance. Attempt to get especially for one or more senior family members, who can’t get one for them.

 

Trust, it will make you the best gift-giver ever!

 

Easy to pursue guidelines for deepavali safety, isn’t so? Then wait no more to make the necessary preparations for them.

And, if planning for becoming a home-owner this Diwali, do remember we are only a click away.

A Heartiest Diwali To You & Family From Team Realtech.

 

5 Top Amenities Every Housing Society Must Possess

Does the life of cooperation & collaboration at housing societies excite you?

Communal events, neighbors from diverse cultures, celebrating festivals with multiple people, gaining help & moral support in times of need…truly living in a residential complex comes with its own exclusive set of perks.

But wait a moment. Just before you begin pursuing a home from within the Apartments in Kolkata residential complexes, ask yourself a question:

Are you fully aware of the ‘Must’ amenities to be present at a reputed housing?

No? Then wait no more to learn about

 

5 Essential Facilities For Each Housing Society To Have

 

#1 Up-To-Date Security System

 

Foremost to make the lives of apartment owners peaceful. Since break-ins or trespassing can’t be predicted, right? Therefore, before deciding over a definite housing complex, gain assurance that:

It is equipped with an authentically high-end infrastructure of safety & protection, including-

♦CCTVs on floors & open spaces

♦Sufficient number of fire extinguishers concerning the number of flats

♦Well-mannered & smart security guards to be present for 24*7

♦A central network of intercom connecting each apartment with the main security station

♦System of outsiders’ access only on approval from the relevant resident

♦Digital maintenance of entry & exit records daily, if possible

 

 

#2 Ready Service Of Maintenance

 

For ensuring that daily livelihood goes on smoothly, residential societies must maintain a comprehensive eco-system of indispensable services such as –

» Reliable & efficient domestic help

» Easily available handymen for car washing, electrical & plumbing works

» Scheduled cleaning of the open areas & exteriors for the sake of hygiene

» Routine pest control at apartments

» If present, then proper upkeep of the elevator so that it is never out-of-order

» Instant power back-up & check of lobby lights & the electrical wires to avoid accidents related to short circuits & unexpected power cuts

To have the guarantee that your chosen society covers all or majority of these services, have a detailed talk with your own realtor about the range of facilities the monthly maintenance bill will be covering.

 

 

#3 Proper Parking Space Management

 

A conventional within the amenities in housing society. But still, get proper knowledge about the exact way this facility will work, like:

♦Whether you need to buy a space or there stays a monthly rental system

♦If or not the separate area for Visitors’ Car Parking is available

 

 

# 4 Enough Of Greenery

 

Not only comfortable but also a life filled with wellness. Doesn’t each housing society’s advertisement claim that?

Learn that presence of abundant greenery is prime to this ‘wellness’-for, after an exhausting weekday, nature is the only source to gain a true rejuvenation.

Thereby, drop a visit to your shortlisted societies to realize which one possesses a real good surrounding of greens &/or large-enough landscaped gardens.

 

 

#5 Assurance Of A Healthy & Communal Life

 

Via the basic presence of:

» A spacious Community Hall for arranging Pujas & cultural events

» Gymnasium with certified trainers

» Kids’ Play Zone with safe equipment

And special features of:

♦An Amphitheatre

♦Swimming Pool

♦Yoga Deck

♦Indoor Games Room

♦Sunrise Point

 

Gaining confidence now to make a correct choice over a residential society, which will make your life complete, happy & comfy?

Know that Realtech Nirman’s every project guarantees all the amenities discussed here.

So why wait to possess an Apartment in Kolkata?

Drop us a call when you desire.

A Safe & Delightful Durga Puja: 4 Crisp Tips For You Only

Whether to spend the 5 days at own Newtown apartment or go out to cherish the pujo vibes in Pandals & decorated streets? As Durga Puja 2021 arrives is this the exact question in your mind? That is because our city & the country is not yet free from the CoronaVirus?

And you have concluded that there remains no scope to freely enjoy the 5 days.

But, that’s not the real picture. Since here emerges:

4 Exclusive Tips To Perfectly Enjoy Pujo During Pandemic

 

#1) Get Smart With Pandal Hopping

 

Thinking what’s that? Well, the new normal trend of going online. Simply search Virtual Durga Puja on your PC or phone & gain access to 360 degree views of the celebrated Pujo Pandals & real-life imagery of the Goddess, while staying safely inside.

Given the present situation, some famous Kolkata Pujo Committees have also started organizing the facilities of Virtual Anjali & Bhog Booking from last year. Just Google these words & let every bit of Maa Durga’s blessings reach you & your family –dissolving thus the anxiety of illness.

 

#2) Cherish Some Classics

 

When was the last time you got time to watch/re-watch one classic Bengali film or read an old-but-gold Bangla Boi? Finding it hard to remember?

Then, make this Durga Puja the time to relive the Bangaliana inherent to you:

Explore the book collection of your parents or ask them for titles to find in e-book formats

Visit the one or two Bengali-content exclusive OTT platforms or dig Youtube to access some jewels of Black & White Bangla cinemas; gather all the family members & and experience a unique Pujo-Only joy!

Here come some delightful suggestions to unwind the mind during Durga Puja:

 » Bari Theke Paliye (Director Ritwik Ghatak)

 » Pratham Alo, Part 1&2 (Author Sunil Ganguli

 » Dhanni Meye (Director Arabinda Mukhopadhyay)

 » Parosuram Galposamogro (Author Rajsekhar Basu)

Also, try subscribing to DD Bangla’s Youtube channel for watching celebrated old Bengali serials, classical musical programs & interviews of late legends.

(The channel also shows Live Telecast of Pujo Rituals from in & around Bengal’s famous religious institutions & families. So that’s one bonus point for you!)

 

#3) Healthy Tickle For Taste Buds

 

Yes, visiting a restaurant or cafe is still somewhat unsafe. But that does not mean you & family have to ‘adjust’ with the same daily menu, even during the Pujo.

You can’t visit the restaurant, but the delicacies can very well come to your & all apartments in Newtown. Visit a reputed online food delivery platform (one you know to maintain the hygiene protocols) & order whatever the palate is craving for.

From mocktails to mistis & sukto to schezwan dishes – restaurants & cafeterias of every genre are presently serving through the digital platform. And even Chais of various flavors.

Delivered via Zero Contact Guarantee, only the deliciousness & not any probability of Covid arrives at your home.

So start planning the Pujo Special Khawa Dawa with own family.

 

#4) If Going Out

 

Follow these rules as musts:

 » Avoid time slots when there is crowd in the streets & around Pandals

 » Do not open your mask while outside & tell those with you to do the same (Yes, even during taking a selfie or groupfie!)

 » Maintain the footmarks at public places & stay within those

 » It’s better to not consume junk foods for this one Pujo

 » Sanitize hands every time you touch the cab’s doors or bus handles

Wishing All A Safe Durga Puja.

 

 

 

 

 

 

The Checklist Of Essentials Before Moving In To Your First Apartment

Is this life’s that delightful phase when you get ready to take possession of own Kolkata Apartment? 

 

And, surely you wish for a smooth beginning of life for you & each family member at the new apartment

 

Then draw own mind towards:

List Of Necessities In A New Home As Voted By Every Home Expert

 

#1) Secure The Safety

 

One prime aspect to guarantee right after moving in. Because within the fresh happiness of living at own home, any break-in or burglary is the last issue you or any family member will be willing to experience, right?

So, if a smart or electronic lock system isn’t fitting your budget presently, hit the lock & key market & get a quality lock & deadbolt for the entrance door. 

(Stay confident. You will upgrade in near future.)

But do not compromise with the lock’s quality.

Saving a few hundreds here can lead to losing valuables worth much more from home any day. 

Therefore, go only for reputed brands in the market, which make trespassers shed sweat in breaking a door’s deadbolt!

 

#2) In The Name of Health

 

Have a medicine kit ready-at- hand prior to stepping into your first home.

Since a change of place & environment tend to affect the health of people – mainly the kids. Prepare a box including:

♦Standard medicines for cough & cold & digestive problems

♦Ointments & lotions preventing skin allergies

♦ Waterproof bandages

♦ Antiseptic liquids & creams

♦ & realizing the present pandemic situation-

♦ 2 bottles of hand sanitizer & surface disinfectant spray each

Surely, purchasing all these from a general brick-&-mortar store will cost you much.

So, browse any popular pharmacy website & check for their offers. Sometimes, purchasing in bulk can make you save real good at such sites.

 

#3) Some Tools To Start With

 

Face the reality. It takes months to completely familiarize the neighborhoods surrounding Apartments in Kolkata.

Thus, don’t expect ready availability of a pro handyman from the new locality, whenever any drilling or DIY-style installation need come up at the apartment.

You may end up with an amateur one or paying way more than is the charge for a certain work. Avoid such confusions by readying up your customized tool box with:

 » A hand driller (You Tube is there to guide, right?)

 » 2-4 screw drivers of flat & Philips head

 » A handful of screws

 » Measuring tape & good quality hammer

 » 2-3 extension cords

 » A sleek but sturdy metal ladder

To gain a good bargain over these, get down either to the wholesale hardware market in city or start exploring Amazon. It’s the discount season in there!

 

#4) For the Sake of Basic Convenience

 

Put together in one of your moving boxes:

♦ Quite a few light bulbs (dark corners in your new home will not appear welcoming, will it?)

♦ Door mats & area rugs with anti-skid padding – because yes the kids will run around & so will you while acquainting the new place & setting it up

♦ Towel Stand for both the bathroom & faucet

♦ Plenty of kitchen wipes to prevent the tiles & granite getting dirty at the earliest

♦ 1-2 bottles of glass & surface cleaners & one mop with good threads- hiring help won’t happen soon in a new neighborhood

 

# And Wait…

 

While shopping for essential items, get 1 or 2 indoor plants like English Ivy, Bamboo Palm or Peace Lily, to thus freshen up the happy air of your happy home!

Wishing you & family a pleasant life ahead.

And remember, for any property query, Team Realtech is only a click apart.

 

 

 

Fixed OR Floating: A Sneak Peek Into Home Loan Interest Rates

Buying your desired flat in Rajarhat can become one tiring & complex process – if not having the required awareness about the entire structure of the housing loan scheme.

And, one prime aspect to learn in this context is about:

Kind of interest rate suiting your need

In the Indian market, two options come up to this end,

♦ The Fixed Interest Rate and Floating Interest Rate

Now, as for

 

Which Home Loan Interest Rate Will Be Ideal For You

 

learn that

 

A Fixed Rate of Interest:

 

♦ Remains constant throughout your loan tenure, regardless of market price fluctuations or changes in Repo Rate

♦ Is perfect to pursue when the EMI scheme is comfortable for you

♦ Helps you to plan a long-term budget for daily & essential expenses after taking a home loan, as you get to know the exact laps of EMI for the entire period

 

But Be Aware –

 

◉As unchangeable even when the market rate is higher, fixed interest rates are generally 1.5% to 2% higher than their floating counterparts

◉ Once opting for a fixed rate, you cannot avail any benefit of decreased interest rates – as & when such a market situation crops up

◉ When the market prices are higher than the conventional level, approval for a fixed rate of interest can become difficult; since banks will doubt your capacity of repayment at a higher rate

 

One Spoiler Alert

 

Some fixed-rate home loans stay fixed only for certain periods.

Basing on the loan tenure, it can be that your fixed interest rate stays valid for certain years & automatically converts into a floating interest rate loan thereafter.

When that happens, know that the fixed-rate might get revised affecting the EMIs in the long run. Henceforth, as a ground-rule, give a thorough reading to all the T&Cs while getting a home loan to buy flat in Rajarhat.

 

As For The Floating Rate of Interest

 

pursue it, when you

 

◉ Are confused about interest rate fluctuations & prefer to go with the market trend

◉ Wish to save on the overall interest rate shortly; since floating-rate loans are marginally lower than fixed-rate loans, thus reducing your loan cost

◉ Have a backup plan of repaying the loan before the designated tenure & desire to avoid prepayment penalties. The RBI has banned all sorts of prepayment fees in case of the floating interest rate.

 

However, Realize That

 

As completely dependent on the market’s flow, floating interest rates are-

Highly unpredictable, possible to increase to an extent that it would become slightly uncomfortable for a borrower to pay their EMIs.

This unpredictability also goes to affect financial institutions, which end up charging higher premiums than the conventional benchmark

 

Which One To Go For?

 

The answer to this question solely depends on your financial health & whether predictability or unpredictability is your taste. Still, some factors can help you make a decision:

• Calculate cautiously the EMIs of 2-3 loan schemes you have shortlisted – basing upon both the fixed & floating rates 

• Weigh that with own monthly income range & acknowledge the gap

• Can follow the expert advice of Fixed Rate for the 40s & Floating for those in their 20s

• Split own loan between fixed & floating by a 60:40 ratio

 

We wish you find the apt home loan as per current interest rates & experience the smoothest home buying journey.

As for picking a suitable flat in Rajarhat, connect to Team Realtech anytime & from anywhere.

Waiting to serve you.