A new year brings new opportunities so make a plan to live a better and more financially secure life this year. If buying a home is on your New Year's resolution list, there are a few things to do before hitting the goal. Because a home is likely to be the biggest investment you will ever make. So, figure out how to build a series of smaller, more doable commitments to assist you in achieving your New Year's Resolution of purchasing your dream house this year. Here are a few ideas to help you with your planning.
If you've made the decision to buy, manage your finances & determine how much money you'll need for a down payment. This might range from ten percent to twenty-five percent of the property's value. Remember that the larger your down payment, the lower your EMI & the less stress you'll have on your monthly budget. The key to making this goal a reality is financial discipline. So, start saving costs, avoiding needless purchases, paying off debts, & maybe expand your earning stream to increase your down-payment money.
If you apply for a house loan, your credit score will determine whether you're approved and, if so, what your interest rate will be. So, you need to improve your bad credit score as quickly as possible. Here are some tips to help you improve your credit score.
Remember, until you get a good credit score, you might have trouble getting a loan or you will end up paying a high-interest rate.
You might be wondering what to do now that your credit score has improved & you've saved enough money for a down payment. It's time to get all of your home loan paperwork organized. To get pre-approved for a loan, you'll need to submit a slew of documents, & the financial institution will almost certainly keep giving you one. These documents will very certainly include at least two years' worth of tax returns, employment history, income/bank statements, & asset verification. The earlier you begin sorting these documents, the quicker you'll be able to identify where you're missing data and take actions to correct it.
Of course, you must first locate your new property before purchasing it. Use your time to consider your choices, look at apartments in nearby areas, set a budget, & decide which apartment you should choose for your dream apartment.
Work with a renowned real estate developer that has recognized the city's potential & invested in apartments in vital places, as well as a solid reputation in the business. Always double-check the builder's credentials before making the purchase. Choosing a trustworthy & skilled builder ensures that the job is completed on schedule & to a high standard. Because purchasing a house is one of the most significant purchases you will make, you must be cautious to avoid being fooled by fraudulent promises & agreements made by some fake builders. Visit the builder's website to learn more about their track record, including the status of prior projects & client comments. This will assist you in locating the best under-construction flats in Kerala in terms of quality, finish, and cost.
Varma Homes, being Kerala's most reliable apartment builder with years of expertise, has always worked to set new benchmarks in property development and to match clients' demands by providing world-class amenities. Our one-of-a-kind designs, along with reliable process & material quality checks, ensure that all our apartment projects come out to deliver a fine living experience to dwellers. We have successfully positioned ourselves as a pioneer builder, completing high-quality projects on schedule & with unparalleled service and good value for our clients. Varma Homes has your perfect apartment in all of Kerala's most desirable places like Trivandrum, Kochi, Tripunithura, and Thrissur. Since the real estate market has experienced remarkable growth in recent years, now is an excellent time to purchase your dream home. Get in touch with us today to secure your long-desired apartments in 2022.
Have you dreamt of an apartment located on the outskirts of the city and gives you access to sound educational institutions and other significant landmarks in the area? Then Varma Homes, compact apartment Bougain Heights in Chottanikara offers you the same locality benefits and ensures all the superior amenities in terms of both quality and coziness. Varma Homes, the trustable builder has always endeavored to deliver apartments with something very special and unique designs. All our projects aim to bring you an unparalleled grand staying experience with our luxurious amenities and offerings. So, If you are planning to buy an apartment tucked away from the busyness of the city and positioned in the most tranquil living environ of Chottanikara then there awaits you Bougain Heights! It is a 2 BHK & 3 BHK compact apartment with all the modern amenities including Health club, Fully Automatic Lifts - 2nos., Children's Play Area, Intercom Facility, Terrace Garden, Landscaped Yard, Rooftop Party Area, Recreation Space, Association Mini Hall, Rain Water Harvesting and breath-taking surroundings with spectacular scenic view of nature. So let’s check out the top 5 reasons that make Bougain Heights as the smart choice for home buyers. 1. Nature on Your Doorstep People dream of owning an apartment amidst lush greens with incredible views all around. Being surrounded by nature’s landscapes is not only enjoyable but also can decrease stress and increase positive well-being. Bougain Heights is located in a peaceful atmosphere provides you with all the charm, gentle and serene life close to nature coupled with the comforts and cosines of modern living. 2. Excellent Accessibility Bougain Heights opens up an extensive possibility for living a peaceful, comfortable and convenient life. Here getting around is never a hassle. While it offers you, the privacy of a quiet home tucked away in a cozy place in Chottanikara but connecting you both to the city and the quickly developing suburbs. It has a balanced in connectivity to industrial areas and the city, alike. It offers easy access to all major transportation hubs like railway station, metro rail, airport, bus stand, etc. The proximity to schools, colleges, supermarkets, and above everything else, and the strong tranquillity will surely be the prime boon of living in this serene apartment. 3. Residential Township Bougain Heights is the ideal for those looking apartments in Kochi away from the hustle and bustle of the city. Spread across 10.60 acres, with 3 apartment towers and bungalows, guaranteeing that you are always in a space of complete happiness. It is a 2 BHK & 3 BHK luxurious apartment project set among the green meadows with lush woodlands. It is uniquely crafted apartments with sophistication, superiority and has a lot to offer as a residential zone. 4. Earnest Promise & Timely Delivery Varma Homes provides quality apartments with superlative designs to the discerning home seekers. We believe in going beyond the concepts of normal construction and offer excellent features, specifications, and amenities with long-term quality that come together to create a premium luxury apartment. With a constant reputation in ethical practices and timely delivery, we offer apartments in the most premium locations in Kerala like Trivandrum, Thrissur, and Kochi. 5. Investment Galore –A Lifetime Investment Bougain Heights is simply a budget-friendly compact home with comfortable living, serene nature and an investment worth a lifetime. When you buy this apartment, it is quite affordable and has big returns. So you can expect good returns in the future because of its close vicinity to what noble lifestyle demands. So investing in Bougain Heights is the guaranteed future returns. Now there avail special offer for Bougain Heights, you can start purchasing with a starting price of just 36 lakhs only, the offer is limited (31/12/2019). So hurry up, invest your interests with us, and get a lifelong investment!Read More
Buying a new property can be a very challenging task, as for a newly constructing property you will have to work along with the property builders. While buying a previously owned house, you can easily get enough and more information regarding it. The flat builders with whom you have decided to work along or to buy your new flats from, make sure to get their complete details and do not forget to check the builders’ background or previous construction history. The following are the most common mistakes that people make when buying a new property: 1. Lack of Proper Research The most fundamental step in buying a new property is research. Select a city based on your preference and make the basic enquiries about its vicinity, safety, infrastructure and development of the area in the near future, etc. The home-buyers have a tendency to listen to other’s opinions and forget to do this crucial step. 2. Consider Pros and Cons Getting first-hand information is always better than relying upon secondary resources. Look for the lifestyle of the area to best suit you and your needs by checking the proximity to local markets, malls, schools and hospitals. These are the basic requirements to consider if you are planning to move in with your family. Varma Maalika and Varma Regent of Varma Homes are the ready to occupy flats in Ernakulam which have already received an overwhelming response from the public. Both these carefully built apartments are accessibly erected in the prime residential areas of Ernakulam city. The new luxury apartments of Varma Maalika in Thripunithura, specifically positioned at S.N. Junction is proximate to almost everything. The place is interconnected to temples, shopping malls, schools like Bhavans, Choice & Chinmaya; and connectivity to mini bypass, the seaport - airport road and more. Varma Regent’s luxury flats in Edappally is nearby to all the prominent healthcare centres, famous educational institutions, popular hangout spots and other major commercial developments. Apart from the proximity to Lulu Mall, its easy access to Metro Station is an added advantage of Varma Regent. 3. Don’t go beyond your budget Don’t forget about your financial status when buying a new property. Plan your budget accordingly and apply for a home-loan in advance to avoid any unpredictable financial crisis in the future. This is just the right opportunity for you to purchase any of the under-construction projects progressing within the metro city limits. Under the Pradhan Mantri Awas Yojana (PMAY) scheme, a home loan subsidy interest amount of Rs 2.67 lakhs is provided to the beneficiaries and the amount is credited to their loan account. The Government of India is planning to drop the GST rate for property purchases with an aim to push demand, under the Credit Linked Subsidy Scheme (CLSS) from 12% to 8%. On booking Varma Homes, you can avail CLSS scheme under the PMAY on home loans and save upto 2.67 Lakhs (*Terms and conditions apply) and an additional 4% Goods and Services Tax (GST) deduction will also be available. 4. Verbal Promises Don’t fall for the verbal promises of your apartment builders, later on you may face the challenge of not having your dream home built the way you wanted it to be. So in order to avoid making such a mistake, visit the worksite personally during the construction and afterwards. Varma Homes strives to uphold their promise ‘Quality Assured Affordable Homes to All’ in every residential venture that they undertake. It is the essence of their mantra ‘Constructing Happiness’. The top builders in Kochi guarantees prompt delivery of their projects, as the motto of Varma Homes itself says “Varma Promises Timely Delivery” and they also complete their projects on time. For an instance, both Varma Regent and Varma Maalika, the residential projects in Kochi (Hurry up, only a few units left!) were not delayed, instead it were delivered well before the agreed dates and their present clients are immensely satisfied with their ready to move flats in Cochin. Always choose the most dependable and trustworthy home builders when buying a new property. Varma Homes is one of such reputed builders in Cochin.Read More
Integrated townships or townships are housing projects that are well-resourced with social infrastructure & additional amenities to stretch an elite living experience to residents. Today, a township project comprises more than just buildings with basic amenities. They mirror a miniature replica of the core city outside the main city with educational, medical, entertainment, and commercial hubs that exist either inside or close to the township project. Indeed, in a lively city like Kochi, the demand for townships was guaranteed to upsurge over time. As the population increased, earnings heightened and daily commute problems shot, the necessity for townships improved too. Let’s look at some of the benefits that make township living much more desirable for the home buyers of Kerala. · Supreme Living Experience With the best combo of modern architecture & designs, all residential apartments or villas in a township project provide you with whole exceptionality regarding amenities & space. The futuristic thinking & careful planning of these projects will help to offer the supreme standard of living of the dwellers. Unlike conventional homes, township projects come with dedicated amenities with the goal that the occupants appreciate convenient & hassle-free living. · All Amenities Under One Roof As referenced above, townships are intended to go about as one-stop solutions for all the present needs of residents. There are numerous community recreational areas like sports fields, multipurpose courts, parks, clubhouses, swimming pools, and shopping edifices that cheer good health and lead to close bonding among the populace. Besides, townships also comprise shops catering to all your everyday vital needs and may have facilities like medical centres & ATMs. So, one can fully live with the best of amenities to get a healthy and cosy lifestyle. · Easy Accessibility Some of these township projects are also built nearer to software parks or big industrial estates. So, this notion is a hit, especially in Kochi where travel time has reduced drastically. Likewise, you will find schools within this township or in the near vicinity which save up on time daily. Hence, living in one such township, you will relish easy access to the vital modes of all essential needs. · Pioneering Security Measures Ensuring a higher level of security of the inhabitants is one of the key benefits of township projects. They include a provision for CCTV cameras, alarms, security guards, video surveillance systems & monitoring at all times of the day & other hi-tech security measures, which means residents are more protected than living in an independent house. · Better Returns When contrasted with a conventional home, a villa or apartment in a township project will offer better returns in terms of investment perspective. Most importantly, you need to make a lower capital expenditure on getting it. Also, as these villas or apartments acquire greater cost appreciation, you can procure exceptional yields on investment. Also, it is simpler to lease such properties and the rental payment is higher than that of an independent villa. · Sustainable Living Integration of eco-friendly measures is yet another major distinctive factor among integrated townships and conventional residences. Township projects are usually focussed on lessening the growing stress over nature on eco-friendly development practices & integrated townships boast of rainwater harvesting, sewage treatment plants, solar power lighting among other green features, which in turn minimize the carbon footprint of city living. Buying a home in a township project offers high-end infrastructure and amenities nestled away from the hustle outside but on par with smart cities. They offer a fantastic living experience & a better lifestyle with all the facilities in the vicinity like no other. Moreover, living there you won’t need to spend more money on maintenance and repair. So, one can simply relish the perks of top-notch facilities with a township project. Looking for a Living Township Project in Kochi? Here comes your solution, Bougain Heights by Varma Homes - the leading real estate builder in Kerala. Bougain Heights is one such integrated township project spread across 10.60 acres with 2 apartment towers and villa projects, guaranteeing that you are always in a space of complete happiness. It is located in the temple city, Chottanikara, Kochi & has a lot to offer as a residential zone. Skirted by lush landscapes & peaceful environs, yet a few minutes from the city. It has excellent connectivity in which it has good proximity to all major transportation hubs, educational institutions, malls, famous Chottanikara temple, Karingachira Church, smart city, Infopark, hospitals & so on. With a broad array of global standard amenities with, supreme-quality sports provisions, majestic clubhouses, swimming pool, fully automatic lifts, landscaped gardens, community spaces, children’s play area, rooftop party area, recreation space, sewage treatment plant, 24 hours security, power & water supply facility, and much more, it offers a lifetime of exceptional living. So, one can enjoy the full benefits of a happy township living with Bougain Heights.Read More
Buying an apartment or home is everyone dream. Maybe owning a home is your years of planning and saving, so it is not fair to take a final decision in a hurry. There are certain things to keep in mind before purchasing an apartment. For purchasing an apartment some might take a loan from bank, followed by periodic instalments rolling out of your revenue, you need to be more alert. Though there are certain crucial factors to be considered while buying a new apartment, they are location, price, etc. Let’s check out the essential documents necessary for this and you are required to keep all possible points in mind before you take the leap and make a selection of your dream apartment. Property Worth The fixing of the budget is the first step for selecting an apartment, If you correctly know how much you can spend to buy an apartment, it will be easier to shortlist the house according to your budget. So when you plan to buy an apartment you need to compare the property prices of various builders and get an idea about it whether they are offering genuine prices or not. You can undoubtedly approach Varma Homes since we offer genuine prices for our apartments. Land Record The land where your apartment is constructed is also crucial while considering your purchasing decision. You need to research about the topography and soil quality of the land and also check whether the land is cleared of all the dues and properly registered or not. Apartment Location Location is also important while purchasing an apartment. The apartment must be in a secured and safe place since we are expecting to live in a peaceful area that should be free from all troubles. The amenities and the physical infrastructure of the selected apartment need to be checked. All apartments of Varma Homes are ideally located in major cities like Trivandrum, Thrissur and Kochi, So you do not worry about the safety or other related factors when you choose Varma Homes apartments. Financing Banks When you are planning to take a loan from banks for buying an apartment, then this is the best time since various banks offer different customized options with low-interest rate home loans for customers. They provide customized solutions for their customers who have approached them for granting home loans for fulfilling their dream of buying an apartment. In short, purchasing an apartment is an important decision you would take in your life, so you have the obligation towards your family and yourself to look into all the above considerations before buying your dream apartment. Varma Homes is the leading and trusted builder in Kerala offering new luxury apartments, budget-friendly flats and residential projects in Kochi, Trivandrum and Thrissur, which are designed to build happiness. We believe in bringing happiness to you with our exceptional services and offer you with an innovative range of apartments and flats that tie up with your requirements, If you are looking forward to buying apartments or flats in Kochi, Trivandrum and Thrissur, look no further, Catch Varma Homes, the pioneer builder in Kochi, give us a call, We are waiting to hear from you!!!!Read More
With the increasing number of new apartment projects in Cochin which has already set a backdrop for such a promptly emerging city, there is also a strong sense of an honest pride in the minds of every Kochiates for the captivating infrastructural development by the Kochi Metro Rail Project that gave a complete makeover to the city of Kochi. The latest news discloses that Metro is to touch Angamaly in the near future. The existing Metro line will be extended from Aluva to Angamaly. And the greater news is that the Kochi Metro service will soon be extended to Thrissur, which is just 50kms away from Angamaly. Kochi and Thrissur could now be easily connected via a metal belt, which will in turn boost the development of both the districts. The metro connectivity to smaller neighbouring cities will immensely help in their growth and development. Kochi and Thrissur have been closely connected through trade and commerce for several years. And with the Metro Rail service, these twin cities will have greater accessibility to many places including the International Airport that will surely let them to share various growth prospects together. The better international connectivity will greatly pave way for more global companies and cargo-based businesses to expand operations in the Cochin city and even in Thrissur. The enhanced employment opportunities will create a huge boom in the real estate market, making both Kochi and Thrissur the major real estate hotspots and residential hubs. With the predictable flood of people that will shift base to Kochi and Thrissur due to the kind of quality lifestyle that both these cities offer, there will be high demand for luxury apartments in Thrissur and apartments in Kochi. The prime residential areas that are going to be swamped by people’s attention are Thripunithura and Edappally in Kochi and Kottappuram and Poochatti in Thrissur. Since the budding of vast number of 2 bhk flats in Thrissur and flats in Kochi, it’s very much important for you to buy only the ones that live up to your expectations and meet all your needs. When thinking of buying a new home, it’s always best to go with the builder that you trust the most. One of the most promising builders of today, ‘Varma Homes’ have got some wonderful upcoming and ongoing projects in all the major locations of Kochi and Thrissur. The new launch in Thrissur - Varma Spectrum, the luxury apartments at Poochatti is one of the most spellbinding creations of Varma Homes that is highly affordable with all the modern amenities possible. Something else you need to further look at is the compact apartments of Varma Homes in Edappally called Varma Regent, the project handing over ceremony of which is to be held on 15th of January 2018. It is said to be the first project handover of the best builders in Kochi. With an advantage of being located proximate to famous schools, railway station and other well-known places of worship, Varma Maalika, the luxury apartments in Tripunithura is one of the cleverest choices that you can make while looking for luxury flats in Tripunithura. The project handing over ceremony of Maalika is finalized to be held on 1st of February 2018. Varma Kottaram, the luxury apartments in Tripunithura is one of the most desirable living spaces offered by Varma Homes for all the home seekers who look for a royal abode combined with elegance and most modern conveniences. It is one of the prestigious ongoing projects of the top builders in Cochin. The Varma Padipura, luxury apartments of Varma Homes located in Tripunithura is one of the ongoing projects which is crafted to perfection that o?er breathtaking views combined with a lifestyle that is designed for high ?yers. Ensure to make clever and wise decisions on real estate investments while the time is right in the most preferred cities of Kerala like Kochi, Thrissur and also Trivandrum. (To be continued…)Read More