Looking to purchase a dream home for the first time? We know that there are hundreds of questions that pop up as soon as the decision is made. Owning a home is the dream for people, but to convert it into reality needs more hard work, diligence and lots of financial commitment. For all such first time buyers who are searching to purchase that dream home must have an in-depth understanding of the processes involved and should be more careful. Here are some of the most important tips to keep in mind for first time home buyers.
Based on your daily schedule, job location, the necessity for good schools for your kids, mode of transportation; you should select a home in the right area. Also, you can opt for a location with a hospital in the region where you can go immediately in case of any medical emergencies. Consider all these factors very sensibly when buying an apartment. When picking the location, also give a thought to the neighbourhood with a fair mix of commercial centres, offers good living conditions. Subject to your likings, you may want a home in a quiet neighbourhood or with a shopping market or schools nearby. Anyways for first-time buyer research the location of the property that you wish to buy.
It is very significant to identify all the information about the property which you are planned for purchasing. Likewise, you should also aware of the builder who you are considered to buy the property from. Make sure builders must have well-reputation in the industry. This can be collected by reviewing their profiles. So research the credibility of your builder, reviewing their historical records, amenities list, previous client satisfaction forms, know their after-sales customer handling services, project delivery, promptness, customer satisfaction, reliability, quality and so on. You can also visit their previous sites to confirm the building qualities and client support.
It’s essential to know and concern about your present financial state. While you decide to buy your apartment think about the price what the builder is stating you, whether you can afford it or not. It is preferred to talk with finance companies could either work well or go wrong. Also, it’s good to select a housing loan that comes with the lesser interest rate, a longer span in return payment, convenient EMI options, timely sanctions, disbursals, etc. Taking a home loan not only benefits you fund your dream home, but you also get tax benefits on interest payments and principal repayments.
Once you make an appointment for visiting the site of your short-listed project, make sure the builder grant you all government-approved documents of the property. The title deed is one of the most major factors when you are about to buy an apartment. Since it is something you cannot leave it for the future but priorities first. Make sure the builder gives you all the documents containing ownership transfer, NOC’s, clearance, water permits, occupancy certificates and lot more. As a home buyer, you have to take effort to know about the required documents and approvals of your apartment which will help you to live peacefully.
Based on the sort of home that you want to purchase, whether it's an apartment or a villa or a whole house with multiple floors, you'll get to confirm that the amenities and facilities that you are looking for or have always wanted, are available therein property. Usually, the good builder will offer amenities like gyms, spas, swimming pools, clubhouses, parking lots etc. Though, the cost of those amenities has got to be borne by the inhabitants. You ought to carefully weigh the necessity for these amenities and whether or not they fit in with your particular lifestyle.
Buying your dream home from a reputed builder helps you to gauge the construction quality. Moreover, a reputed realtor is known to adhere to the provisions of the housing acts for sustainable brand recognition. Here you can refer Varma Homes, the top builders in Kerala followed by all rules and regulations of the real estate industry where you can find out various convenient projects in various locations of Kerala. Along with state-of-the-art amenities and facilities, the homebuyers also get peace of mind and safety while investing in their dream home with Varma Homes. So don’t mess with the rest, trust Varma Homes- Building up great things with superior quality, great value & honest service!
If you are thinking to buy an apartment sooner or later in your life, begin saving at the earliest. The longer you try to save up for your deposit, the costlier your house is going to be. So it’s significant to start planning as early as possible. Here are some tips to keep in mind ahead of buying your first apartment to get the best deal. Decide On Your Budget The primary step in the funds saving method is budgeting. Decide what sum you can comfortably pay for. Heed at wherever your cash goes to each month & where you are paying the most sums of money. Note down the amount you spend on necessities such as utilities, rent, student loan payments etc. Then think through the amount you go through every month in the items like restaurants, entertainment, shopping & so on. Once you classify your expenditures, search for sections where you can cut back. Set a definite budget for every classification & stick to it & ensure you budget a particular amount to add on for your down payment each month. Go For a Side Hustle to Earn Additional Cash to Save For an Apartment Sounds crazy? However, actually starting a side hustle is one of the best saving tips for buying an apartment. Sometimes to earn extra income, there are several ways such as getting a second job, working extra hours or overtime, or beginning some kind of side hustle. Chop Down Your Debts If you are planning to take a mortgage loan for buying your first apartment, but you already have additional debts like credit cards, personal loans, car loans or student loans they could definitely reduce the amount you can put into a home loan. So take time to pay off your debt before you head down for applying for a home loan. Look at closely how much you owe on your student loans, credit cards, personal loans or car loans & generate a plan to tackle it. This will not only help alleviate some of the financial pressure yet additionally help you secure a better mortgage rate. Cherry-pick Good Investment Options It is vital to direct some part of your revenue towards investment through Systematic Investment Plans (SIPs). For instance, if you begin to invest 25,000 a month via SIP with a modest return of 10% for just 3 years you can get Rs.10.53lakhs. In this manner, you can easily save for your down payment without nerve-wracking about lifestyle changes. Also, there are some other investment options for the short term: equity-based mutual funds, ELSS etc. Be Financially Disciplined Where does most of your monthly income go? On rent, groceries, dining out, shopping, entertainment? Start analysing this. Categorise your expenses and determine how you’re spending your money and then make a budget. If you want to save for your dream apartment, start cost-cutting, avoid wasteful spends, clear your debts and may be try to expand your income pool. Rent Out a Smaller Place If you are living on rent, to save for your apartment buying, you may consider shifting to a smaller house for the time being. In case you are single, think about living with family or companions for a year. Any sort of savings will assist you with getting close to realizing your dream about purchasing your own home. When you’re ready, you can begin the apartment purchasing process. But before that, you have to find a reliable builder. If you're looking for owning your dream apartment in Kerala, then here is your right choice- Varma Homes, the most trusted builder in Kerala. Varma Homes is one of the best residential builders in Kerala, who have residential projects in several locations of Kerala like Kochi, Tripunithura, Thrissur, Kozhikode & Trivandrum. We fulfil your dream of a home with our unique designs with guaranteed quality checks of process & materials to ensure you a perfect home in reality. So get started with buying your dream home with us!Read More
Now the home buying concept has become so changed than how it was before. Most people are now well aware of the current marketing trends and are keen on every minute thing. So, this makes it challenging for real estate builders. When it comes to purchasing a home, individuals want the best for their family. Gone are the days when the driving factors for buying a home in Kochi were only the location and budget preference of a buyer. Today’s fast-paced world demands a home with modern amenities that make you instantly feel better when you return from a long day hectic work schedule by selecting thoughtfully designed housing projects for all age groups. To simplify things, here we have listed certain mandatory amenities in a smart apartment where the buyer needs to look at. Recreational Facilities: With the hectic work schedules, giving time for oneself isn’t easy nowadays, but it is so necessary to de-stress regularly. This is why many urban dwellers demand recreational facilities within the apartment premises. This could include gymnasiums, tennis courts, swimming pools, yoga hall, sports, spa, play areas for kids and so on. This is the best option to save your precious time when you get all the recreational facilities to rejuvenate yourself under one roof. Power Backup: Today, power cut off is the most common problem in every residential area and hence, it is better to ensure that the housing society is equipped with a proper power backup setup. Along with the apartment, clubhouse, pool and other areas also need a power backup. It prevents further mishaps in the compound and hence is most necessary. Waste Disposal: It is wise to check on waste disposal procedures followed in your apartment complex. If your city exists certain rules for segregation and disposal of waste, then you have to check whether your selected apartment has a system to confirm the same is carried out. Security System: Security provisions are a must in amenities in every apartment unit. An unsecured apartment is a bad choice of investment, so before buying check whether your apartment block contains advanced security features like emergency alarms, exits, round-the-clock security personnel, earthquake-resistant materials, fire hoses, extinguishers, basement flood pumps, CCTV surveillance, automated security devices etc. Thus, it is significant to know that you, your family members, kids and your pets are safe in your apartment, and that your belongings are secure when you are away from home or at work. I.e. When you give importance to security in your space, you and your family can live safely & happily. Parking: Before moving into an apartment, check whether it has a spacious reserved parking lot that offers individual parking garages and a separate guest parking to ease the parking for residents. Usually, apartments with many units provide these, but you have to confirm it. Apart from this, check that there is a separate parking space for disabled people and ambulance. Likewise, make sure there is proper fire engine accessway across the apartment premises to reaching emergencies, if occurs. Provision for Senior Citizens: Like kids, the senior citizens also require additional amenities which really make a difference by creating daily life easier and better for them. Separate walking tracks, wheelchair access with stairs, safe pool area, grip floor etc. can make life beautiful for senior citizens. Balconies: The good structure of balconies increases the alluring factor of your home and used to admire the natural beauty. It has extensive use for activities like washing clothes, drying clothes, growing plants and even a small hangout area during the evenings. When you love to spend some quality time on yourself, the balcony of your home is the best relaxing zone in your apartment. In Short, Apart from these mentioned above, your apartment buying process must include checking on all the essentials too. If you are looking for an apartment in Kochi, Thrissur or Trivandrum with all the high-end apartment amenities, then you can contact Varma Homes, the most trusted builders in Kerala. We provide all kinds of unique perks to offer your apartment life with full mode of happiness & conveniences. With the motto of building trust & delivering happiness among clients, we stand as the best investment choice in happy homes for generations! So, book your favourite apartment with us today!Read More
Another year is coming to an end, a new year soon begins! The beginning of the year is the time for fresh starts. If you have any plans of owning your own home in the heart of Kochi to celebrate this New Year and to arrange a party inside your apartment for like-minded people, then head off to Varma Homes. You can get the best apartment in various zones of Kochi. Owning a home is dreams come true in anyone’s life, as it is the most valued possession and a lifetime investment. For this, you have to choose the right builder with the good track record. Celebrate This New Year with Varma Maalika I Varma homes, the leading builder in Kerala with a proven record of accomplishment and years of expertise. We always maintain to keep promises to our customers. One of our major ready to occupy apartment furnished for the NEW YEAR 2019 is Varma Maalika I which is situated in the most tranquil living environ of Kochi, Tripunithura. It is away from all the hustles & bustles of the city, but it has close proximity to all urban development, which includes numerous educational institutions, shopping malls, temple, multi-specialty hospitals etc. It is perfect for those who need a tranquil life. This project offers exclusive 2 & 3BHK luxury homes ranging from 890sq.ft to 1310 sq.ft with the perfect blend of opulence and comfort. The luxury budget home is built with love, filled with extra comfort, and are designed to create happiness among people. Each wall, nook, & corner of this apartment has a story and offer true love, happiness, and comfort. Welcome this New Year with Varma home and bring more joy and peace to your life. A new home means an electrifying new beginning, new friends, and new environs to explore. If you are ready to purchase our ready to occupy apartment Varma Maalika I or wants to know further about Varma's Maalika contact us soon and avail the big surprises that await you in these holidays! Why We Stand Out Unique From Others? We perfectly comprehend that this industry is one among the most competitive spheres. Therefore, we put our best to bring advanced luxurious apartments and flats to our clients to align with their demands and to reflect their lifestyle. We always created milestones by making new success stories to our journey by constructing excellent spaces with outstanding superior quality, services and focusing on fulfilling the desires of our employees. We are confident that we can continue our successful journey with our uniqueness from other builders. We remain unique from others with our insights and unique styles. We can proudly deliberate the skill sets that make us unique from others are: . Customised solutions . Zero compromises on Quality . Professionalised work execution . Transparency in dealing with clients . Reliability & Timely delivery . 100 % Customer Satisfaction . End-to-end execution Varma Homes emerged as the pioneer developer for delivering various apartments across Kerala. We are now in 3 major cities of Kerala which include, Kochi, Thrissur and Trivandrum. We are now on a mission to construct happiness by building new apartment projects for different regions across Kerala. Enjoy this New Year with Varma Homes, Book now and benefit early bird offers!!!Read More
Finally, it’s time to live in the new residential project of Varma Homes in Kochi conveniently located at Ponekkara, Edappally with a total number of 40 exclusive apartments. On January 28, 2018 Honourable MLA Shri. Hibi Eden attended and hosted the project inauguration ceremony of Varma Regent, the immaculately designed compact apartments at Edappally. Varma Homes has already made a footmark in the real estate industry within a very short span of time soon after their establishment. And now with the inauguration of Varma Regent, Varma Homes has got a strong and firm root in the real estate market of Cochin. Varma Regent, being the budget-friendly apartment project of Varma Homes, it has already received an overwhelming response from the public. These carefully built apartments are accessibly erected in one of the prime residential areas in Edappally, Kochi. Varma Regent positioned at Ponekkara is a G + 4 tower apartment with 10 units per floor in 40 cents comprising of 1, 2 and 3 BHK flats ranging between area of 553 sq.ft to 1357sq.ft with all the modern amenities and quality construction. The amenities include Fully Automatic Lifts, Intercom Facility, Fire Fighting System, Children’s Play Area, Rooftop Party Area, Terrace Garden, Recreation Space, Fitness Centre, Provision for 24 Hours Security, Provision for 24 Hours Power and Water Supply Facility, Sewage Treatment Plant, Water Filter, etc. Apart from the proximity to Lulu Mall, its easy access to Metro Station is an added advantage of Varma Regent. It is also nearby to all the prominent healthcare centres, famous educational institutions, popular hangout spots and other major commercial developments. Varma Regent is an affordable apartment project from Varma Homes designed for a lifestyle of comfort and convenience. The new apartments in Edappally offer a choice of 1, 2 and 3 bedroom flats and an array of thoughtfully chosen amenities to enjoy commutable city living. Varma Homes is one of the most reputed builders in Kochi who values customer happiness above all. 'Constructing Happiness' was inspired by our firm belief in delivering homes that are affordable to all. Varma Maalika in Tripunithura is the very next project ready for inauguration. Varma Kottaram, Varma Padippura in Kochi, Dr. Pais Heritage in Trivandrum and Varma Spectrum in Thrissur are the other ongoing residential projects of Varma Homes. Many residential apartment projects from Varma Homes will be launching very soon in major cities of Kerala including Kochi, Thrissur and Trivandrum. On booking Varma Homes you can avail Pradhan Mantri Awas Yojana (PMAY) to save upto 2.67 Lakhs(*Terms and conditions apply) and an additional 4% GST deduction will also be available. If you would like to get more information about any of the projects please visit the website www.varmahomes.com. To make a booking enquiry please use the form in the website or telephone +91 9645 88 33 33 and we will get back to you as soon as possible.Read More
Thrissur, also known as the cultural capital of Kerala, is a rapidly developing city with a rich heritage and cultural significance. The city is a hub for trade, commerce, and education, making it an ideal place for investment in real estate. However, buying a flat in Thrissur can be a daunting task. In this blog, we will discuss the important things to consider while purchasing flats in Thrissur. Location:The first and foremost thing to consider while buying a flat in Thrissur is the location. The location of the flat should be easily accessible from major transportation hubs, hospitals, schools, and other essential services. It should also be in close proximity to commercial and business centers to ensure convenience. Builder Reputation:It is crucial to invest in a flat built by a reputable builder. You should research the builder's history, previous projects, and customer feedback to ensure that you are investing in a high-quality flat. A good builder will use high-quality construction materials and techniques, ensuring the durability and longevity of the property. Amenities:The amenities provided in the flat should be considered before making the purchase. The flat should have all essential amenities such as electricity, water, and proper ventilation. Additional amenities such as gymnasium, swimming pool, and clubhouse can enhance the quality of living and make the flat a better investment. Floor Plan:The floor plan of the flat should be taken into consideration before making the purchase. The flat should have adequate space and proper utilization of the available area. The design and layout of the flat should be appealing and functional, providing maximum convenience and comfort to the occupants. Legal Documentation:Before investing in a flat, it is essential to ensure that all legal documents are in order. The title of the property should be clear and free from any encumbrances. All necessary approvals and permissions from the local authorities should be obtained by the builder. Security:The safety and security of the flat and its occupants should be given utmost importance. The flat should be equipped with modern security features such as CCTV cameras, intercom, and security personnel. This will ensure the safety and well-being of the occupants. Resale Value:The resale value of the flat should also be considered while making the purchase. The location, amenities, and reputation of the builder play a crucial role in determining the resale value of the property. Investing in a flat with good resale value will ensure that you get a good return on your investment in the future. Price:The price of the flat should be compared with other similar properties in the area to ensure that you are getting a fair deal. You should also take into consideration the payment plan and financing options provided by the builder. In conclusion, purchasing a flat in Thrissur can be a lucrative investment if done with careful consideration. Factors such as location, builder reputation, amenities, floor plan, legal documentation, security, resale value, and price should be taken into account before making the purchase. By following these guidelines, you can ensure that you make a wise and profitable investment in real estate in Thrissur.Read More