Let's Join Hands to Reconstruct a New Kerala
Let's Join Hands to Reconstruct a New Kerala
Yes, it is true that the unexpected flood badly affected the beauty, peace, economy and heritage of the God’s own country. More than 350 people lose their life, many are displaced and huge loss of infrastructure are caused due to this flood. The magnitude and intensity of the floods, landslides in Kerala are very large. But the major consequences of this disaster is the realisation that the obligation of taking maintenance and care of the security and safety respites straight on individuals themselves. Many people, organizations, institutions and countries open their hand and heart to support Kerala to overcome this terrific situation. It revealed the element that the people are more generous and charitable than we thought. So it gives a renewed hope for building a wealthy future in the midst of divisiveness and hatred.
Efforts are now under process to make a new Kerala with the fresh start to rehabilitee all the victims, rebuilding the air, road connectivity and also the whole affected areas. Varma Homes is always dedicated to constructing happiness since rehabilitation is a prolonged process we plan to keep our service and offers that should be favourable to our victims and also for the creation of the new Kerala. We are the pioneers for establishing delicate lifestyle with our brand new apartment and flat projects across all the cities in Kerala.
We assured you that we are capable to present you another world of fulfilment, security through our finest apartments and luxury villas within the affordable prices to the customers. Varma homes set a benchmark for satisfying their client’s expectations and requirements. We already raised our hand to contribute our donations to the rebuilding of Kerala with our latest affordable services and projects.
Varma Homes Join hands to the Comeback of Kerala
Kerala recently faced the worst flood in the century and the daunting chore of reconstruction and rehabilitation from floods mock-ups a huge challenge. During this crisis, people showed a great resilience and also displays the emulate power of Kerala to the world. A unity of action is discovered throughout this crisis time. All divisions, regardless of religion, politics, creed, caste, gender, and business worked collectively to pull up Kerala.
Our projects mainly spread across various cities in Kerala like Trivandrum, Thrissur, and Kochi. All our projects in these locations were not affected by this flood. We also made all necessary precautions to protect our projects from this natural disaster. Since we are always committed to deliver our services in terms of quality and worth beyond business profits, we also pitched this crucial time of Kerala with wholeheartedly and generously. We definitely play our role for the comeback of Kerala by putting innovative ideas and projects for encouraging and backing the rebuilding efforts of the whole state. Since the Government main motto is to not only limit to the restoration of Kerala to the pre-flood times but also to create a thriving path towards the new emerging Kerala. For this, we are interested to offer our services to the minimized costs or in discount amount for distributing our apartments to the right victims.
It is true that Kerala is receiving huge support and love from the world’s each corner and nook. So it is our pleasure to be a part of this rebuilding process of Kerala by our smallest contributions. Since we are the best builders in Kerala and we are dedicated to promising the noble class of living to our clients with our goodwill and promptness of our projects. We centre on earning the trust and confidence of our customers and to advance the supreme with our best facilities. We understand the great responsibility of us towards customers, society and country.
Our creation of latest projects continues with the advanced innovative living amenities to our most valuable customers. Our capable workforce tuned our client’s dream apartments and villas into reality along with our latest mission for the rebuilding of a novel and fresh Kerala. We hope this nobility will continue in future as our firm emphasis on quality and value.
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How Does Credit Score Play A Role In The Process Of Buying An Apartment?
Your credit score has a significant impact on the apartment buying process. It's a measure of your creditworthiness. The first thing a bank or financial institution does when evaluating your loan application is to take a peek at your credit score. They use this score to ascertain that you are eligible to apply. So, what kind of credit score is required to purchase an apartment? It isn't a three digit number that you earn every time you spend on something. It is far more. It is crucial to understand how your credit score will impact your interest rate, loan amount, and down payment. A credit score of 750 or above is generally considered good & can provide you with many benefits, such as faster loan approvals, lower interest rates, and so on. Let's take a look at the major factors that affect your credit score.Approvals of Loans: Your credit score may play a role in getting a loan approved. A credit score of 700 or above is considered to be a good score to get a home loan easily. If your score isn't up to par, you should communicate with your bank to find out how you can improve it.Loan Amount: If you have a bad credit score, your credit limit will almost certainly be less than the amount you asked for. For example, if you need Rs. 35 lakhs for a home loan, your low credit score may prevent the bank from approving this amount. As a result, if you want to be eligible for a larger loan, you'll need to work on improving your credit score.Loan Interest Rate: The other factor that is influenced by your credit score is the mortgage interest rate. So, banks will probably give you a lower loan interest rate if you have a relatively high credit score. And despite the small rate difference, the monthly EMI will be significantly lower.Increased Down Payment: When buying a home, a lower credit score can result in a higher down payment and a countless number of visits and calls to the bank. A good credit score helps to verify that the purchaser has the potential for repaying the loan. According to the guidelines issued by the Reserve Bank of India (RBI), a home buyer can get 80% of the property value as home loan. But, if you have a low credit score, the bank may sanction only a lower amount and you need to find additional down payment to buy a new home.Of course, there is no need to panic if you have a low credit score. Before you apply for a home loan, raise it by making timely payments. Banks or creditors are more likely to believe you can repay a loan if you can pay your bills on time because you seem financially secure and responsible. This will make the home-buying process go more smoothly. Here are some suggestions for raising your credit score. Pay attention to your credit report. Analyze it &, if necessary, point out any errors. Correct them as soon as possible. Concentrate on your mortgage. If you want to take out other loans, such as for travel or furniture, you should put them off. Examine your co-applicants payment records. Their credit score must also be within acceptable limits. To be financially sound & avoid having to pay extra interest, pay your credit card bills on time. Spend only what you have available on your credit card. Pay your EMIs on time & if you default on them, your credit score will suffer. You will be considered disloyal for a home loan. Hence, make a concerted effort to raise your credit score. Once you discover your dream apartment, working to improve your credit score will certainly help you to flourish financially. If you have good credit, let's not let the possibility of higher credit norms deter you from purchasing right now. So, be a wise buyer & keep all of these crucial points about your credit score & how it affects your apartment buying process in mind. Your dream is almost certain to become a reality very soon.In a nutshell, Whether you plan to buy an apartment in the coming months or years, the benefits of monitoring your credit score & working to improve it will help in the long run. Banks will check your credit score when you apply for a home loan to see if you are a responsible borrower. If you have a good credit score and are looking for a reliable and trustworthy builder in Kerala, Varma Homes is the right choice for you. You can trust us because we are Kerala's leading real estate builder. We provide high-end amenities in all of our apartment projects in major Kerala cities, such as Ernakulam, Thrissur, Trivandrum, and Kozhikode allowing many apartment buyers to realize their long-held dream of owning a home. Search our website for detailed information on all of our residential apartment projects and pick the best one.
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Real Class of Noble Living in Trivandrum
Have you ever confronted a situation in which you frantically attempted your best to own a dream home yet, but it was put off by the steadily increasing property costs and loan fees? We are sure that a significant number of you have confronted this and still keep on doing so. Presently the solution to your journey for owning your own particular space on a financial plan is going to wind up a reality. A standard pattern that is making its essence felt in the Real Indian home is the making of Varma Dr. Pai's Heritage. Homes that are perfect for the ones who looking for a way of life that fit for the lord, Varma Homes are the most recent trends in the ultra-luxury segment in the Indian Real Estate. Varma Dr. Pai’s heritage is pulling more customers in our world with its sheer magnificence and the high-end amenities. Dr. Pai's Heritage is a unique apartment project comprising of 2 and 3 BHK luxury apartments with all advantages of autonomous home. Following showcase drifts, the Varma Homes plans to centre on expanding our housing portfolio with improvements over the fragments in super luxury apartments. With more number of individual desired to relish an elite and niche lifestyle, the plea for Varma Homes is on the ascent. The fact is that building a house to the home is not an easy task it comes up with amazingly elevated requirements, and just developers with a specific reputation, experience, and loyal brand can stand to work to them. It must be settled in the correct area and the developer ought to make a perfect neighbourhood that mirrors the selectiveness that these homes accompany. Aside from the host of pleasantries, these homes are a mark address, a door to a specialty societal position and these characteristics ought to be instilled in the plan of the Varma homes. We carefully worked to give a consistent living background; the venture will have all cutting-edge amenities. Varma Homes presents to you another universe of satisfaction, security and flourishing, providing finest apartments, townhouses, and luxury villas that match the prerequisites of clients with the one of a kind mark of a modern brand. Varma Homes gives you an immense feeling of the lavish way of life. Invest in Housing Apartments with the Finest Builders in Kerala Striding into the capital of Kerala, Thiruvananthapuram is an excellent achievement for Varma Homes. The heritage and values of the state capital is always inspiring to any builders. With the launch of our new residential project Dr. Pai's Heritage, we wish to deliver a quality lifestyle space in the heart of the Thiruvananthapuram city and want to become a milestone in this industry. Our main motto is to provide quality assured homes to all within the range of affordable prices. The vital essence of our mantra is to constructing happiness among needy people. Because of this, Varma Homes remains as one of the leading builders in Kerala providing diverse residential projects in all over Kerala. We bid a broad range of luxury and budget housing projects comprising ultra-luxurious apartments and flats with exceptional quality and comfort. Our projects mainly spread across various cities in Kerala like Trivandrum, Thrissur, and Kochi. From inception, we are always dedicated to providing superior quality homes on time with unsurpassed constructing happiness. At Varma Homes, we believe in creating experiences that are value for money, which is why we ensure that all our services are high in quality and effectiveness. We aim to provide a marketplace for the best residential projects while maintaining high-quality standards. Find the right luxurious apartments from Varma Dr. Pai's Heritage. The testimonials and previous projects that are mentioned on the website will give you a clear idea of what exactly we are capable of. Let us know, we are all ears!!!!
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Ascertain the Influential Factors on Market Value of Your Residential Property
In today’s world, not just investors but even the end-users are keen to observe the market value of the residential property before buying the home. The real estate market and its development is reliant on various factors. Financing in the property market can reward you with worthy returns if the factors affect the property value are in your favour. To estimate the residential properties value it is vital to find out the influence of those factors that related to the housing characteristics and the residential properties value. So if you are buying or selling an investment property or home, the question is that how much the property is actually worth? The recent real estate statistics in India proved that property valuations are now depending on the factors that influence the market value in the real estate industry. Right intuitions in respects to the right time for the property purchase, price escalations, downturns in the real estate market and all other indicators, aid in making purchase decisions. Key Factors Drive the Market Value of Residential Properties The real estate sector absolutely is on the upsurge, with the growth lunge being delivered by significant factors which affect the prices of residential property in the country. So, what are these factors that drive the real estate market value of your residential property? Read on to learn what drives property prices up, what causes them down and how you can find that whether your home is worth. • Infrastructural Development It is one of the most significant factors that influence the real estate market prices in India. The present situation of the roads & airports, bus terminals, shopping malls and all other advanced facilities in the surrounding area of the residential property, helps in value growth of the same. Another most crucial requirements for each investor looking to buying property or land is the connectivity. That is the rise in the market price of the property is depending on its good connectivity to the medical facilities, entertainment hubs, retail markets, business centres and all other facilities. • Inflation Inflation is caused by the excess amount of money being in circulation, which in turn leads to the decline of the money value. As this occurs, the prices for various inputs like land price, labour, legal building permits, construction materials, also increase. Obviously, inflation will not affect the increased property prices in a zone if the locality itself is lacking the social and civic infrastructure or poor accessibility. • Demand and Supply Demand and supply are reliant on human behaviour as home buyers favour locations which are sound in infrastructure. Changes in the population are also the key factor for demand. At times customers are ready to pay extra for a property since they find that living in that locality desirable. This kind of demand again takes in the real estate investors, who purchase properties to vend them at a profitable amount when supply slows down. This grounds the land prices in that place to increase even further. So together with the number of people inhabiting in an area, the popularity of the area also affects the increased property price of that area. • Population Growth When there is a large number of customers in the market, then obviously the value of properties increases. The population growth rises the demand for the residential properties and it directly translates into faster appreciation in the real estate prices. The increase in demand inclines to increase in the property value, as it forces customers to buy. · Advancements In Nearby Properties Changes in the nearby areas of the residential property can cause to the changes in the market value of the property. This factor mainly depends on population growth and infrastructure development. Housing units in the major desirable locations are the ones with greater prices. Any sort of development and advance can shift the supply and demand graph of the locality. If you are looking for apartments in the prime locations of Kerala, Varma Homes is your best choice!!! Varma Homes is the most trustworthy builders in Kerala offering superior quality and affordable luxury apartments in Kochi, Trivandrum and Thrissur. We always create the true and the excellent living spaces meeting the desires of our clients. We are always ready to help our customers to stay within their budget and their preferred locations.
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3 Good Reasons for NRIs To Invest in Indian Real Estate
Purchasing a dream home is something that everyone dreams of, and it is somehow a matter of pride. So, most people, whether they are in India or not, have shown big interest in real estate investment. When it comes to NRIs, real estate investment especially in the launching phase and ongoing phase of the projects could increase their investment substantially. Our Government and the regulatory acts are very investor-friendly for NRIs. With the RERA & GST, there is improved reliability in the entire system, which is legitimately affecting the amount of NRIs planning to put their hard-earned cash into the realty market of India. Fortunately, you may not need to revisit the nation to reap the benefits. You simply need to take a home loan for NRI in India, buy the house, invest in it, and perceive how it blows into a successful lifetime investment. You can buy property in India by taking home loans from housing financing firms or banks. For getting the home loan for NRIs, gone are the days when you should be physically present at the bank. These days, home mortgage applications can be filed online too alongside the essential documents referenced by the bank/ housing finance organization. Though the document's nature might differ from people to people dependent on their work status. But certain records are compulsory such as visa, photos, residence proof and passport. As yet pondering whether you should make the jump or not? Here are three good reasons why you certainly want to invest in the Indian Real Estate. Ø Earn More Money Suppose that you are an NRI that is living in countries like the USA, Canada, UK or Middle East countries like Qatar, Kuwait, Saudi Arabia, UAE etc. The currencies in these nations are far more valued contrasted with the Indian rupee. Accordingly, if you choose to invest in the realty market, you'll have the option to acquire more cash from the gap amongst the values of the currencies. Ø There's Demand As the demand for housing is always there, then no matter if you like to sell your property later or lease it out, you will always discover an enthusiastic customer to help out. So, buying a property in the prime region of India is a lifetime investment, since the demand for the land is always there. Ø Save on Income Tax Perhaps the best part of NRIs investing in the Indian realty market is that they are hardly liable to comply with any legal formalities. In this context, they will just need to proceed with the registration process without the payment of income tax. However, if they get income from lease over that specific property, at that point they may need to undergo some tax compliances. Yet, taking into account that interests in realty projects barely have any major legal formalities, these payments won't be as critical. Start Investing Today with Varma Homes! Investments may sound a little scary to start with. Even so, as long as you invest into the right property of the right real estate builder apartments, you will profit a ton over the long haul. And all you should do is get a loan from bank or financing company and make a buy from the right builder – from any place you are! For those of you who have considered planning to buy a new apartment, now would be a good time to start searching. Here is your ideal choice, Varma Homes, the most leading real estate builders in Kerala. We have residential projects in Kochi, Tripunithura, Trivandrum & Thrissur with the superb quality of construction and excellent amenities that offer the right kind of choices for your lifetime investment. So, what are you waiting for? Opt Varma Homes apartments for your housing option, we have several reasons to start investing with us. Keep track of Varma Home’s upcoming, and ready to occupy apartment projects all across Kerala. Buy your dream apartment from the most trusted builder in Kerala and get plenty of happiness in return! Ping us to know more about our projects or visit: www.varmahomes.com/residential.html
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Planning to Buy an Apartment in Kerala, Time to Start Saving Now!
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!
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