30Nov

Create a Small Forest with Bonsai Plants

If you are someone who is into gardening, then you can do it in your 2 or 3 BHK apartment. How about you consider having a Bonsai plant on your balcony or window sill? Having one only helps in making the whole house green and vibrant. Bonsai plants tend to offer a way for the residents to enjoy the beauty of nature at the comfort of the house. Before you start planning on how to place, know that ‘Bonsai’ word derives from Japanese words, ‘Bon’ meaning tray and ‘sai’ means growing. In short, Bonsai means growing trees in trays. You can easily grow them in your flats in Thane and around.

You can beautifully place the Bonsai plant in a try along with other elements such as moss, cascading waterfalls, pebbles and a rock garden. You are bound to have a balcony in your 2 or 3 BHK apartment, make the most of it by having a Bonsai plant. Apart from this, you can even place it on the window sill. However, ensure it is placed properly to avoid any accidents. When it comes to maintaining a bonsai plant, it is not that difficult and is same as maintaining any traditional plant.

It is vital to learn some techniques as far as cultivating and giving a good shape to a bonsai plant is concerned. However, once done, maintaining is easy and simple. It is of paramount importance to water the plant on a regular basis, change the pot once a year and put compost once a month. Anyone can have a bonsai plant. All it requires is a little space on the window sill or balcony. Apart from this, it is also vital to have few necessary and basic tools to grow the bonsai plant in your flats in Thane west and around.

No matter whether you plan to have a bonsai plant in your 2 or 3 BHK flat for sale in Thane and around, having basic knowledge of the same is vital. Get in touch with the experts to keep the plant in shape. Before you make a purchase, know these plants are classified according to their shape like informal upright, formal, cascade, slanting and semi-cascade. Choose the one that best meets the needs of your flat. Ensure it should look good from inside and outside. To keep the bonsai plant in its desired shape, do not forget to trim and prune the roots of leaves and branches.

Consider these aspects if you plan to have a bonsai plant in your apartment.

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8Oct

Aspects That Impact the Home Loan You Are Entitled to

Homebuyers tend to rely on a home loan to buy their dream home. However, you should know there are a number of factors that impact on how much of loan you are entitled to. Definitely, it is the income of the applicant that plays a major role in determining the amount of home loan one will get. However, there are various other factors too that play a major role. Apart from checking the eligibility of the applicant for the home loan, lenders also have to certain criteria to determine the home loan that can be granted to the applicant. So, no matter whether you want to buy 2 BHK or 2.5 BHK flats in Thane, know these aspects that impact how much of home loan you are entitled to:

Income

Undoubtedly, it is the income of the applicant that determines the home loan you are entitled to. Generally, lenders tend to consider 40 percent to 50 percent of the monthly income for servicing the home loan. The income proportion for loan servicing tends to increase the income of the applicant rises. So, for a person who has higher income slab, the lender is bound to consider a higher percentage of the monthly income.

Age and Remaining Years of Service

Home loans are offered for tenures up to 20 years. Not many know, but your age and the remaining years of service also restrict the loan amount. Your loan eligibility will reduce if you are more than 40 years of age, and has less than 20 years of remaining years of service. For a salaried person, the retirement age of 60 is considered, while for self-employed it is 65 years.

Any Existing Loan

Another major aspect that you need to keep in mind before applying for the home loan for your 2 BHK in Thane or around is knowing you have an existing home loan. The lender will subtract your existing loan’s EMI while computing your eligibility. Furthermore, your home loan eligibility will be based on the amount reduced. In order to enhance your loan eligibility, you are advised to repay the outstanding loan, if the amount is small.

Availability of Co-Borrowers

Not many know, but the loan amount will increase if you have a co-borrower. In this, the income of all the co-borrowers is pooled in, which further determines the amount available for EMI payment. Ensure all the joint owners are included as co-borrowers, no matter they have a separate income. A co-borrower can also be a person who is not a co-owner of the property.

These are some aspects that impact the home loan you will get for your dream home.

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19Dec

Things You Need to Know Before Investing in an Upcoming Project

The decision to buy a house is an important one. One must be clear about the steps involved and legalities that help execute the deal in the right way. Many fast-growing areas like Thane, Kalyan, and Dombivali have upcoming projects that are up for grabs. Thane is one of the most favoured places today due to great road connectivity and impressive infrastructure. Here is a list of the things that you are supposed to know when you look for flats in Thane.

–    Contract Papers: Many developers produce a standard home buying agreement, which has terms and conditions that are non-negotiable. However, a proper contract is always negotiable in nature. You can take help of a legal advisor in such cases so that you can include your terms in the contract as well. Whether you are looking for upcoming 2 or 3 bhk flats in Thane or condo apartments in South Mumbai, it is better to have a well laid out contract.
–    Background Check: How do you know if the realtor you are dealing with is trustworthy? You need to run a thorough background check about the past reputation of the realtor, quality of construction and timeliness while giving possession of the flat, and if he was a part of any legal feud. Only after confirming these facts can you go ahead with your house buying decision.

–    Plan for Future: Do not buy a house keeping in mind the lifestyle you are leading at present. It is always better to plan things ahead in such cases. Think of big plans like what will be your future income, investments, and other life decisions like marriage, number of children, and whether your parents will be living with you as well. There are many 2 and 3bhk flats in Thane that are available at favourable rates. Decide once you have thought everything through.

–    Determine All Costs: At times you may find a well-designed house in a good price range but you may feel that it needs more work than a coat of paint. Compare all the costing and see if the charge of installing cabinets, units and inbuilt furniture and appliances will be more economical than purchasing a fully equipped house. Make a decision based on comparisons rather than haste.

These are the steps that will help anyone take a better decision while looking for flats in Thane. It is an important decision of life, which definitely needs thought and consideration of all pros and cons.

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1Oct

Planning Your Home Purchase with Your Spouse Before You Get Married

You might have heard of the common proverb, “Love is Blind”, but do not follow the same concept when buying a 2 BHK or 3 BHK flats in Thane together. A lot of couples once the engagement is done start looking for a house. It is believed that a lot of couples buy a house before getting hitched. However, you should also know home buying is the biggest move a couple can take and hence should be done carefully. So, if you are planning to buy a house with your beloved before getting married, get rid of the financial heartbreak by keeping in mind these tips:

Consider Opening a Joint Account

In case, you do not have a joint account; you might want to open it as soon as possible. The same joint account can be used to pay the property taxes, mortgage, maintenance and also insurance charges. To ensure you do not forget to deposit the amount in your joint account, set up an automatic monthly deposit from your account. This ensures neither of the parties forgets to collect the money. Furthermore, you can even have home expenses automatically deducted from the account which simplifies the budget tracking and bill paying.
joint-account
Compare the Credit Scores

When determining whether you can have enough money to buy flats in Thane, you might have already shared the income and saving details with each other. Another vital information you might want to share with your to-be spouse is credit report. This also goes for the partner who is planning to get into a business deal. Knowing the creditworthiness of the business partner works the best. If either of the partners has poor credit score it can have a significant influence on two major aspects:
Who will take responsibility for the loan
Title of the property

You should know married couples are considered to be a single unit, whereas it is not the same with unmarried ones as they are treated as individuals. So, before you start looking or flats in Thane, do not forget to compare the credit scores.

Agreement in Writing It Vital

It is advised to have the agreement in writing. You can do so by contacting a professional real estate lawyer. This majorly includes partnership, property, or even cohabitation agreement. This should also have complete details of the arrangement like what happens to the property in case you split up and also what percentage of equity each of the partners is entitled to.

agreement

Deciding on Managing the Costs

A partner is ultimately liable for the debt when he/she cosigns on a mortgage. So, in case the relationship turns sour, or you split up, or the partner stops paying entirely, the cosigner has to take up the responsibility.

Title It the Right Way

It is also important to decide on how you will take the title or own the house. You have three primary options:

A partner can hold the title of sole owner
Both the partners can hold the title as joint tenants
Share the title as tenants in common

These are some vital aspects unmarried couples need to consider when planning to buy 2 BHK or 3 BHK flats in Thane.

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20Aug

What Your Child Stands to Gain by Training for The Theatre

It is believed that arts play a major role when it comes to boosting performance in various areas of life, be it academics, communication and so on. However, not many tend to remember them. There are just so many benefits you child tends to procure when being a part of art or theatre. The modern technological world has made lives easier. However, there is no way it can beat the benefits arts and theatre offers. Einstein once said, “Imagination is more important than knowledge”, which is well taken care of when you motivate your children to be part of a theatre group. To turn your child’s skills into something big, some of the 3.5 BHK flats in Thane offers spaces that help them to showcase their talents.

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5Aug

4 Vegetables You Can Grow in Your Own Flower Beds

Thane, today has emerged as a well-planned and well-designed city with few of the best infrastructures. There are many residential projects in Thane that have come up in the recent years and offer houses at really affordable prices. Most of the real estate companies are offering spacious 2 BHK flats in Thane at decent rates. These residential projects include 2 spacious bedrooms with an additional space, a living room, a kitchen, 2 bathrooms, a dry area and a flower bed area. These 2 BHK flats in Thane are also known as 2.5 BHK flats and the rooms of these are very well-designed and if used wisely, can add to your home benefits.

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28Jul

3 Things That Your Home Should Not Come Without

You feel safe in your house, isn’t it? Well, all thanks to the amazing and high-end security solutions available. If you are planning on buying a house, there are certain aspects you need to keep in mind. One of the major and the vital aspect you need to keep in mind is the security solutions. There are certain things your home should not come without. If you are looking for flats for sale in Thane, then look out for these major three things and then finalize the deal. It mainly consists of:

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26Jul

6 Affordable Ways to Fix Up Your Bedroom

Decorating or revamping your home décor, especially of your bedroom of your flats in Thane, need not always be a major project. Sometimes, you don’t even need to spend a lot of money to decorate or revamp it. With effective creativity and planning, you can easily fix up the bedroom of your flats in Thane West in the most affordable ways.

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18Jul

Sneaky Tips to Save Space in Your Living Room

Once said, “the greatest wealth is to live content with little”. However, this statement does not imply to the apartments and flats for sale in Thane. The flats for sale in Thane believe in utmost luxury and offer spacious homes to those who are looking for an investment in a house. These flats for sale in Thane are becoming a centre of attraction for NRI’s, therefore, increasing the number of NRI property investments in Thane. With these spacious rooms that are being offered at affordable prices, it is becoming every NRI’s dream home. Most NRI property investments in these flats include a luxury living, amidst nature and tranquillity. However, with a spacious room that is offered in these flats for sale in Thane, you can design and save quite a lot of space in your home. Here below are a few sneaky tips to save space in your living room.

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14Jul

Bedroom Furnishing Options That You Shouldn’t Live Without

Most of us spend roughly around 1/3 of our lives sleeping, so shouldn’t it be that we sleep in a room which contributes to a few sweet dreams? An uncomfortable, uninspired or disorganized bedroom in your 2.5 BHK flat in Thane can make it hard to relax, and it probably does not help your personal temperament in the morning, either. If your bedroom is a focal point for some family time where you would read in bed, snuggle with the kids, or spend some quality time with your pets then an untidy or depressing bedroom in your flat in Thane will not contribute to a good and relaxing gathering.

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