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.
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.
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.
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.
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.
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.
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!
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.
Read MoreMaking life’s important decision as to where you rest your head all night and how you live your day life can be a daunting chore. When it comes to selecting a place to call home, there are various factors to be considered. These factors may comprise the location, size, amenities, price of the apartment and many other things. Among these, location is the most important factor when it comes to selecting an apartment. As one of the top reputed builders in Kerala, Varma homes is grabbing the attractions of customers with its specialties and location benefits of their apartments. All the apartments of Varma home is located in the realm of the major prime locations of Kerala like Kochi, Trivandrum and Thrissur. If you are searching for the perfect locality that lines hospitals, malls, educational institutions, markets and many other facilities in the heart of Trivandrum city then buying your dream apartment in Poojappura, would be most ideal. You can find Dr. Pai's Heritage at Poojappura, a prime residential locality for house seekers in Trivandrum based on your budget and other preferences. It is a 2 & 3 BHK super luxury apartment with most alluring amenities for a comfortable living. Insights into Locality of Poojappura Poojappura, is recognized as "The heart of Trivandrum”, located on the banks of Killi River. The place is growing quickly to become the prime residential hub in close to future. It is well-known for pronounced historical heritage backed with its magnificence of cultural diversity. It is a place that fills the heart of a traveler with its splendid temples, picturesque beaches, museums, art gallery and what else! There are a number of reasons that make this city a place worth for living. It has amenities and aesthetics no other city has and has an unbelievable equilibrium. The region has earned a divine significance owing to the existence of major ancient temple like Padmanabhaswamy temple. It is very popular and one of the oldest Vishnu temples in India. This ancient temple is famous for its architectural splendour, artistic murals and granite carvings. The Padmanabhaswamy temple stands out from the rest of them in Poojappura for its sheer architectural beauty. The place has also close proximity for its neighborhood ancient temples like KillipalamMahadevar Temple and Kanthalloor Sri Mahadevar Temple. For a place with an astonishingly serene and divine atmosphere, where you get the chance to immerse in devotion is a good family option to live in. The zone is closely set amidst various milestones places like PRS hospitals and Chalai Bazar. Schools, colleges, hospitals, ATMs, markets and shopping centers in proximity makes Poojappura as the premium alternative for all property seekers. Trivandrum Bus Station and Central Railway Station facilitate in the easy accessibility to many key nodes in and around the suburban area. Poojappura has excellent connectivity to major cities also. The place has very close proximity to Trivandrum International airport via Salem- Kochi-Kanyakumari highway. Though reputed educational institutions draw the imagery of Poojappura on one side, the place is booming with copious possibilities and massive developments on the other. Because of the rapidly developing infrastructure and facilities of Poojappura, most of the people are opting to live here. It is fast developing into a cosmopolitan zone too with the dawn of its IT hub, the Technopark, largest in Asia, where people from all over the world come to work and live. So it is another landmark of this place which makes it the most demanding zone for residing. And laterally with its scenic backwaters, historical monuments, beautiful beaches, the city is well placed on the tourist's bucket list also. The upcoming Sports hub and Lulu Mall are expected to intensify the repute of Poojappura further, making it more wanted for the ones who want to buy an apartment here. With so much to offer, Poojappura is a great place to live in. Dr. Pai’s heritage is standing as the major milestone of Poojappura to pay a world-class living to patrons. So why you waiting, head on to Varma Homes, invest for this super luxury apartment and get guaranteed returns.
Read MoreFinding the most suitable flat in Cochin can prove to be quite stressful if you do not know how to go about it. This is somewhere that you will be living in for a significant amount of time thus choosing the right property in Cochin is crucial so as to avoid experiencing buyer’s remorse. Here, Varma Homes – the best builders in Cochin suggest you to consider the following tips that can come in handy when it comes to selecting an apartment in Cochin. 1. Have a budget set out: One of the biggest mistakes most people do is forget to have a budget in place and simply start looking at flats in Ernakulam or new apartments in Kochi. Keep in mind that your budget is not simply what you will be paying for the apartment. Typically, when it comes to apartments in Ernakulam, one will be expected to pay an initial amount at the time of booking a flat. These are not the only costs you should consider though. Think of things such as monthly utility bills, services charges and so on. All this will be what you will be paying on a continual basis thus they should be part of your budget if you are to determine whether or not you will be able to afford the flat in Cochin. 2. Establish what you are looking for in apartments in Cochin: Before you can make a choice on ready to move flats in Cochin, you would have to establish what it is you are looking for in a residence. Do you need a parking space at your flat? Would you prefer to have a garden? How many bedrooms would be required for you and your family to live comfortably? All these considerations should be made so as to ensure you are getting the right ready to occupy flats in Ernakulam that you want and not something that you will be unhappy with down the road. 3. Make a decision on the location: The location of the new apartments in Cochin can go a long way in making your life convenient or more stressful. Location is an essential consideration especially if you commute to work. It is always advisable to find new flats in Cochin that is close to your office so that you are not spending hours on end every single day making your way to work and making your way back home. You should also consider the proximity to amenities such as shopping centres and schools if you have children. Varma Kottaram – the luxury apartment project of Varma Homes in Tripunithura has the proximity to temples, churches, shopping malls and schools like Bhavans, Choice & Chinmaya and also connectivity to mini bypass, the seaport - airport road and more, making the living a truly royal experience. This luxury flat project in Tripunithura is located between the Kalikotta palace and Sree Poornathrayeesa Temple, which makes you proximate to almost everything a royal lifestyle demands. The new luxury apartments in Tripunithura is a G+4 apartment project having 24 units of 2 BHK and 3 BHK flats well equipped with all the modern amenities including Fitness centre, Solar energy utilisation in selected areas, Fully automatic lift, Intercom facility, Firefighting system, Children’s play area, Roof top party area, Terrace garden, Recreation space, Caretaker room, Provision for 24 hours power and water supply facility, Sewage treatment plant, Water filter, Surveillance camera, Rubber fender for corners in the car parking area, etc. which is worth for its price. Varma Homes, the top builders in Kerala offering new luxury flats, budget friendly apartments and residential projects in Ernakulam, Thrissur and Trivandrum are bound to make the happiness possible. If you are looking forward to buy flats in Tripunithura, then contact us today. Call +91 9645 88 33 33 for more details.
Read MoreFor building living spaces - location matters, convenience matters and finally, the creator matters. The conglomeration of all this, is the result of something beautiful and breathtaking. Maalika luxury apartments in Tripunithura by Varma Homes, gives you exactly the same. Tripunithura is the part of Kochi metropolitan area. It was the capital of the former Kingdom of Cochin. The 'Raja Nagari' - the royal city is one of the most prominent centers of traditional Kerala cultural heritage. When you live anywhere in Tripunithura, specifically at S.N. Junction, you are proximate to almost everything a royal lifestyle demands. The place is interconnected to temples, shopping malls, schools like Bhavans, Choice & Chinmaya; and connectivity to mini bypass, the seaport - airport road and more, making living in the land of temples, dynasty and rich in history, a truly royal experience. True love and real happiness make your life get marked the same as your comfort zone. Once you find them, they leave an indelible mark in your life. You have found Maalika; you have found the true meaning of love and happiness. We dedicate ample time and effort to transcend our client's ideas to blend with our constructive creativity and thereby a dream home goes 'real'. Our 2 & 3 BHK luxury homes ranging between areas of 890 sq.ft to 1310 sq.ft fits the urban space amenities perfectly. At Maalika, a magical spell appeals your inside. The insides are crafted with unmatched blend of artistry, spatial elegance and design. Call it a perfect place to portray your inside stories in the finest canvas you have ever seen. We collaborated with talented architects and design houses to bring you the very best you can get. Varma Homes, we the best builders in Kochi are good at what we do, building living spaces. Show Your Interest Now !
Read MoreIt’s common now for most residential properties, luxury or otherwise to come equipped with a host of fully loaded high tech amenities that make personal living experiences more convenient and super comfy whilst simultaneously weaving in work and business expediency. Features such as business bays, fitness centres or concierge desks are now considered as given conveniences that are a must for the exacting demands of residents. In fact it’s not unusual for residential properties to resemble more on the lines of luxury resorts rather than simple lacklustre residences. The sky is the limit and there really is no dearth of shortage of bespoke residences that fulfil every desire. So what then should you expect if you’re a home buyer looking for a property that will comply with your needs for today and appreciate suitably or phenomenally in the future as well? Here, we’ll individually take a look at some of the niche amenities that are being offered to the conscientious customers of today whilst presenting an opportunity for realty investors to identify early opportunities in this segment. Dedicated zones for entertainment and multimedia are no longer things of the past, they are the standing reality of today. As the world moves at lighting speeds with respect to technology, gaming and virtual reality zones are fast becoming a must have feature in residential complexes. To that end, many developers are imbibing these dedicated zones in their blueprint plans. So while one can expect private Jacuzzis and spas conveniently located a few floors below their residences, it’s not going to be surprising to find private entertainment and multimedia zones located right next to them. Usually most residential configurations already come pre-designed with multimedia zones within the house itself with special provisions for enabling it with ‘smart’ features. However, lately consumer needs have started gravitating towards incorporating the multimedia zone as a shared community space rather than a private feature solely accessible to the home’s inhabitants. Many reasons can be attributed to this shift, mainly the fact that many large sized simulators are impractical within the house besides it’s more convenient to allocate the multimedia or entertainment zone outside the house and free up the space within for something else. Perhaps a private pool or a work station, as the individual requirements may go. Those residential properties already having these types of zones allocate enough space so as to accommodate dedicated gaming zones, snug bowling alleys, virtual reality golf courses, cricket pitches and table tennis or lawn tennis simulators among other outdoor sports. What’s more, there will be high end gaming consoles and the latest play stations so that kids and adults alike can partake in their daily doses of some gaming action. These sorts of entertainment zones are not intended purely as leisurely, recreational activities rather an opportunity at family bonding and professional networking intermeshed at one great, fun place, within the residential complex. Moreover as these zones are located within the complex itself, residents are saved from traffic jams and traveling woes - something anyone and everyone appreciates! Did we mention about the mini theatres or screening rooms with super plush and comfortable seating options? Those too are very much an integral part of the entertainment zone. So residents can pretty much enjoy a session at the spa, work out at the high tech health club and saunter over to the entertainment zones and end the evening either playing some virtual tennis or catch their favourite movie, whatever catches their fancy first. In the western countries, residential projects have fast caught on with these futuristic concepts. And it is thought that this will be a rage in the coming years everywhere. In fact, there are quite a few national developers who’ve even begun planning these niche features in their pipeline projects. However, there is a considerable outlay for the developer and consequently the customer too. Hence it’s best advised for any new buyer to consider these aspects beforehand. Varma Regent, compact apartments is being built at Edapally by the best property builders in Kochi. At Varma Regent, located at Ponekkara, to say 'convenient' is an understatement. The unique combination transcend to a whole new realm of affordable 2 & 3 BHK luxury homes ranging between areas of 862 sq.ft to 1357 sq.ft. Varma Regent is one of the current ongoing residential projects of Varma Homes at Edapally. Kochi's fast paced culture is at the doorstep with the phase I of the Kochi Metro Rail project commencing up to Edappally. If you are looking to buy an affordable apartment in Edappally with luxury amenities Varma Regent is the best option. Varma Homes is one among the top builders in Kerala offering high quality and affordable luxury apartments in Thrissur, Kochi and Trivandrum. We always create the best living spaces meeting the requirements of our clients. If you are looking forward to buy apartments or flats in Thrissur, Trivandrum, Kochi then contact us today. Call +91 9645 88 33 33 for more details.
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