10 Tips to prepare your home for Monsoon

What can be more soothing than the thought of enjoying rain with a cup of tea and pakoras?  Some of the areas have already got relief from the heat waves after the cool sprinkles of rains. With all the joys the rain brings, it brings a great responsibility too.

It is always better to prepare your home for monsoons, so that you can enjoy rains without any tension. 

We will give you few tips on the same:

1. Keep your home well ventilated, this keeps the home away from dampness.
2. To project your beautiful carpets from the damage, fold them away before hand.  You can use multi-colored machine made acrylic washable carpets, which are washable and thus do not get damage in rain.
3. Ensure that you seal your windows with rubber strips, this will not let the monsoon water seep in through the gaps.
4. To protect your clothes in monsoon from the insects, keep cloves and neem in between your clothes.
5. Food is also one thing that needs to be protected in the Monsoons. Keep your food in air-tight containers to help it protect from spoiling.
6. Proper earthing and separate fuse for each power board is essential.
7. Ensure that drains are not clogged.
8. Keep a waterproof mat on the entrance of the door, so that your guests can wipe their feet and come in clean.
9. Designate an area near the entrance of your home for all the raingear, where the people coming from outside can keep their raincoats or umbrellas there for drying.
10. Make sure that the water does not get accumulated near your home, as this can lead to mosquito breeding.

We hope these tips will help you to keep Monsoon blues at bay and enjoy MONSOON!

Properties in Gurgaon

Color Therapy for your Home

Pablo Picasso once rightly said that, “Colors, like features follow the change in emotions”

Colors are the inseparable part of our lives. They reflect our moods, personality and most importantly lifestyle. That is why, it is really important to choose a color therapy for your home.

Painting your home doesn't just mean choosing a color for your home but also choosing the RIGHT color is what is really important. Every color represents different meaning all together. Now a day’s people are more inclined towards choosing the light and translucent colors instead of going for the darker colors. The taste in art, architecture, fashion and interiors is really emerging among people, which is why people are going for soft and translucent shades like beige, lighter shades of green, lemons, whites and more such colors.

Colors are usually categorized as, warm and cool. Warm colors like Red, Orange and Yellow; provide coziness, warmness to the room and also stimulate mind and emotions. While the cool colors like blue, green and violet provide a peace to mind and give your room a spacious look. Colors are really important of one’s life; colors not only define the personality of the person but also affect the nature and behavior of the person.

Let us try to study some of the colors closely. Starting with Red, this color is associated with strength, energy, power and strong feelings like love, desire and passion. It also conveys vibrancy which makes it apt for Dining Room or can be used in your bedroom to give it a Dramatic feeling. Talking about Kitchen, Orange is the perfect choice. It is a wake-up color and stimulates mind and appetite. This color can be a good choice for Dining room as well.

Coming now to Family Room, Peach is a good choice. This color transfers positive energy and spreads warmth and maternity. Yellow is a very bright color and if the right shade is chosen then the color is perfect for the Study. Yellow is the color that repels depression and negative thoughts.

Now, talking about the Violet color, it is one of those which sets mind at ease. This is a wonderful choice for guest room. It can also be a great option for your hobby room, children’s room as it stirs creativity.

Apart from this are the two most neutral and soothing colors which can be used anywhere in your home- Green and Blue!

Green is a relaxing, centering, balancing color. Being that neutral, our eyes adjust to it very easily. Green is said to heal headaches and reduce anxiety. Blue is also very neutral color and thus gives calming and  peaceful environment to the home. It promotes deep breathing, and slows down the body.

I hope this will help you a bit in choosing the right color, instead of just going for a random color for your sweet dream home.

Property in Gurgaon

Top 10 FAQ for taking HOME LOAN

It will not be wrong to call ‘House Property’ the safest investment of all. It has become a trend to invest in Real Estate. People find Real Estate the most effective, safe and secure investment of all which is sure to give best returns.

The growth in prices has increased the demand of Real Estate as well. The growth in Realty sector has attracted many investors to invest in Real Estate. This has also increased the people who take home loans to buy the property. Now a days, almost every commercial bank offers home loan.

This article is all about the same; sharing the prerequisites of getting a home loan according to the norms of RBI.


1.Why should one seek first time loan?

One can generally seek a first time home loan for buying a house or a flat, renovation, extension and repairs to your existing house. Generally different banks have different policy for those who are going for a second house.

2.How does the eligibility for the home loan decided by a bank?

Any commercial bank assesses the repayment capacity of the home loan applicant while deciding the home loan eligibility. Repayment capacity is based on applicant’s monthly disposable / surplus income and other factors like spouse's income, assets, liabilities, stability of income etc. All bank is concerned about is whether or not the applicant can comfortably repay the loan on time. The higher the monthly disposable income, higher will be the amount applicant will be eligible for loan. However, some banks calculate the income available for EMI payments based on an individual’s gross income and not on his disposable income.

3.In general, what all documents are needed to apply for the home loan?

In addition to all the legal documents of the property purchased, there is a checklist of documents that the applicant must submit, which includes Identity and Residence Proof, latest salary slip and Form 16 ( for business persons/ self-employed ) and last 6 months bank statements / Balance Sheet, as applicable.

4.What are the different interest rate options available?

There are generally two interest rate options that the banks offer, floating interest rates and fixed interest rates. Floating rates tend to change with the inflation in the economy while the fixed rates are fixed for some time or for the whole tenure of the loan.

The applicant however, should not get attracted by the fixed rate home loan. Instead, the applicant must verify, inquire and understand all the terms and conditions prior to applying for the loan.

5.How does the tenure of the home loan affect the EMI?

The mathematics applied here is way too simple! Longer the tenure, lesser the burden of EMI and, shorter the tenure greater will be the burden of the EMI.  But, longer tenure also means paying a heavy interest to the bank over the years.

6.What is pre-EMI interest?

Depending on the stages of completion of the housing project, sometimes loan is disbursed in installments.  Pending final disbursement, you may be required to pay interest only on the portion of the loan disbursed. This interest called pre-EMI interest.

However, some banks many banks offer a special facility whereby customers can choose the installments they wish to pay for under construction properties till the time the property is ready for possession.

7.How to tackle with the banks?

Hurrying unnecessarily can ruin everything. Take your sweet time before applying for the loan. Prior to taking a decision you must follow the theory of Consult and Compare:

I.You must consult different banks regarding rates, reset clause, spread/markup, margins and fees. Compare the banks on the basis of the above parameters and then reach the decision of taking the   loan from the best.

II.Ask the lender to pen down all the cost associated with the loan. This will not only keep you    benefited but also help you gain the best deal.

8.Is the pre-payment of the loan allowed?

Yes. The applicant can go for pre-payment of the loan in a lump sum amount. However, many banks charge early repayment penalties up to 2-3% of the principal amount outstanding. If the applicant does not have the capital to pay a lump sum amount, he can also go for the option of paying an extra amount in the EMI periodically.

9.Is there any tax benefit on the home loan?

Yes, being the resident of Indian one is eligible for certain tax benefits on both principal and interest components of a loan under the Income Tax Act, 1961. Under the current laws, one is entitled to an income tax rebate for interest repayment up to Rs. 1,50,000 /- per annum.

10.What security does the applicant have to provide against the home loan?

Generally the security provided is the first mortgage of the property. Banks also sometimes ask for    other collateral security as may be necessary. Collateral security assigned to your bank could be life insurance policies, the surrender value of which is set at a certain percentage to the loan amount, guarantees from solvent guarantors, pledge of shares/ securities and investments like KVP/ NSC etc. that are acceptable to your banker.

Property in Gurgaon