Things that make an Apartment ideal for Healthy Living

Healthy living means embracing wellness into your daily life! Living in an apartment that helps you to stay in tune with yourself & treat your body kindly is important. It helps you to get closer to any health goals you may wish to achieve for a healthy living style. Here is a list of some things that make an Apartment ideal for Healthy Living. This insight is brought to you by Vishraam Builders, top builders in Thrissur.

Comfortable seating

Get some comfortable seating for your apartment ! It is a place to watch your favorite show, read your favorite book, or simply take a nap. Comfortable seating helps you to unwind! There are a variety of options when it comes to comfortable seating right from a couch, a plush chair to a bean bag!

Comfortable mattress, personalised pillows & soft bed-sheets

After a stressful day sleeping is your one way to recharge & bring in positive energy into your home. It helps you to function better and is an important element in keeping you healthy. Invest in soft bed-sheets and a comfortable mattress. Find a mattress that works for you even though it may cost a bit on the higher side. You can get personalized pillows nowadays that help you to sleep even better.

Extra storage solutions

Living in a clean and organized space helps you to feel happy and healthier! At the end of the everyday hustle and bustle, you might want to come home to a clean apartment, so that you can relax at peace. A clean apartment can give you more time to do other things that you would like to.

However, it’s impossible to achieve it without enough storage for keeping everything in its proper place. Hence, it is a great idea to invest in extra storage options. It can be shelves in your kitchen or bathroom or even boxes you can put underneath your bed.

Scented candles to destress

A sweet-smelling apartment can have a great impact on your lifestyle! There are scented candles that are designed to produce stress-free aromas that can help you to feel calm and at ease. Find the right candles that smell the best to you & use them throughout your entire flat in Thrissur.

Get some plants

Add some greenery to your flat if you’re looking to make it a healthier place. Apart from purifying the air of your apartment, they can also create a warm, inviting ambience to your home. Owning many plants also helps you to destress while taking care of them. Plants are definitely among the things that make an apartment ideal for healthy living! So, get your favorite plants, and start taking care of them on a daily basis.

These are only some of the things that make an Apartment ideal for Healthy Living. Buy your flats in Thrissur from Vishraam Builders, top builders in Thrissur and start living a healthier lifestyle!

Ways to live more sustainably

Reduce, reuse, recycle are the three words reverberating in your mind when you think of sustainable living! Living more sustainably can make a big impact on our planet! Resources like clean air, food and water are becoming scarce nowadays. Greenhouse gas emissions have increased pollution levels. If we continue to consume resources at an unsustainable rate both people and nature will face severe consequences.

Finding ways to live more sustainably should be our top priority. Check out these green living ideas from Vishraam Builders, leading builders and developers in Thrissur.

Reduce energy use

Try energy conservation in your house as part of sustainable living. Here are several simple ways to reduce your energy use:

  • Turn off appliances that you’re not using.
  • Check out the star rating and install energy-efficient appliances.
  • Use a programmable thermostat that lowers or raises the temperature for your home Geyser.
  • Open windows to allow the breeze to come in instead of turning on the AC.
  • Replace incandescent light bulbs with CFLs.

Reduce water consumption

Saving water also leads to a sustainable lifestyle! Invest in a good
filtration system. Keep refillable water bottles at home, in your car, and one at the office. When you’re washing dishes at the sink do not let the water run unnecessarily.

Many builders in Kerala like Vishraam Builders are constructing residential projects with rain water harvesting & water conservation. Recycled water from kitchens and bathrooms are used for watering garden plants.

Gardening at home

You should try growing your own veggies! Start a small vegetable garden in a corner of your yard. Even a container on your porch or windowsill will do. You can grow edible herbs, fruits, and vegetables. Organic waste from your home can be used to create a green fertilizer.

Say no to plastic shopping bags

Use your reusable bag when you go shopping. The amount of plastic shopping bags that land up in the landfills and oceans are polluting our mother earth. You can do your bit towards saving your planet by taking your own reusable bag for shopping.

Buy eco-friendly stuff to decorate

You can buy eco-friendly things like Cotton furnishings, Coir or Jute mats to apply sustainable living to your home decor as well! Before purchasing anything for your home, question yourself how often you are going to use it. If it’s just once or twice, then think about options like renting.

Resell and donate items

You can give an extended life to items that you no longer need through resale and donation.

Buy organic, local or both

Try to use locally produced foods and organic ones in your cuisine. Cooking at home is more budget friendly and also you can avoid the packaging waste as well.

Buy your flats or villas in Thrissur from Vishraam Builders, the most eco-friendly builders and developers in Thrissur. Book now!

Things to do when you close your home loan

Buying a home is the biggest financial investment for most homebuyers. You can avail a home loan for buying a flat. You can clear your loan even before its tenure. However, there are certain things you can do when you close your home loan to avoid problems in future. This insight is brought to you by Vishraam Builders, eminent builders of apartments in Thrissur.

Get original documents released

Once you clear the debt to the bank, they will release all the original documents of your flat, including the sale deed and the mother deed. Do make sure that all the documents submitted to the bank are returned and are in proper order. The bank will not take responsibility after that.

Get NOC

The NOC or a no-objection certificate is issued by the bank or the lender stating that it does not have any interest in the property after the loan is closed. Ensure that the NOC clearly mentions your name and address, home loan account number, date of loan closure, etc. Do get a clause inserted that the property is debt-free.

Update the CIBIL score

Get the bank officials to update your CIBIL (Credit Information Bureau India Ltd) score after the loan is repaid.

Get lien removed on property from registrar office

Banks often create a lien which is registered in the registrar office. This prevents the loan borrower from selling the property. After loan closure, ask the bank official to get it removed.

Procure legal clearance certificate from lawyer

It’s only optional that you get a legal clearance certificate from a reputed lawyer.

Apply for new encumbrance certificate

You can apply for a fresh encumbrance certificate in the Registrar Office for your apartment after the loan has been prepaid and the lien, if any cleared from your property.

Keep a detailed track of loan repayments

Keep a track of bank statements which reflect your loan EMI and the photocopy of any pre-payment done in a lump sum amount. This is an evidence to prove that the loan was paid and that you’re the absolute owner of the property.

Collect post-dated cheques

Take back the security cheques given to the bank as security when you started the loan and destroy them to prevent misuse.

After paying all installments and outstanding dues, write a letter to the bank requesting a return of the original documents or copies needed. Within 7 or 10 days, the bank will return your original documents and issue a closure letter. It will also give an NOC which needs to be taken to the Registrar’s Office to get the lien removed in the presence of a bank representative. If the mortgage is not registered, the bank will simply return the title deeds.

We hope this list of things you can do when you close your home loan has been helpful for you. Check out flats for sale in Thrissur by Vishraam Builders and buy your dream home. Book now!

How to balance comfort and style in your home

Your home – your sanctuary should be an oasis of comfort! It should be stylish as well! When you are thinking of designing the home you live in, you should plan on achieving a proper blend of an exciting style and a relaxing environment. This can be quite a challenge but not an impossible task. With these tips from Vishraam Builders, eminent builders in Kerala, on how to balance comfort and style in your home, you can go about it confidently.

Buy elegant but comfortable furniture

While shopping for furniture for your house, it is highly recommended to keep comfort on top of all your priorities. Furniture should be relaxing and enjoyable to use more than being luxurious, modern, or cool or it is a waste. Nowadays there is plenty of choice to find elegant, yet snug and affordable furniture.

Design according to your aesthetic sense

Perfect interior design of your home need not merely be an act of filling out space with trendy decor and furniture. You should invest your money on your choice rather than what others want because ultimately you are the one going to be living here.

Think before you plan to decorate

Before you begin decorating your apartment, take in the feel of each nook and corner of your house, think of how you would want the space to be filled, utility, which colors will bring relaxation etc. Share your ideas with your interior decorator for designing your place. Transitional styling or a combination of both modern and traditional style can be used to create a warm, cozy, and well-furnished home. You can focus on integrating straight and clean lines, using warm neutrals like tans and chocolate browns. Wooden decor adds flair to your space by mixing vintage or trendy style statements.

Greenery at home

Keeping greenery in the home brings positive energy, character, and beauty to any space. Plants bring in the refreshing retro look and feel to the home. Consider cascading them from hanging pots or plant them in side-table beautiful pots.

Quality furnishings in soft fabric

Ensure you select the right kind of soft, and comfy fabric for your sofa and cushions. Cotton slipcovers over the pillows, ottoman, and throws add style in our homes. Similarly, you can go for a very soft, stylish, and stripped rug on the floor. This will not only give a burst of grandeur to your room, but will also feel as if you are walking on the very clouds themselves.

We believe that with these few intelligent tips on how to balance comfort and style in your home, both comfort and style can be successfully achieved for a home with a little bit of effort. Vishraam Builders with the backing of 19 years of excellence ensure on-time delivery of flats for sale in Thrissur. Book your flats in Thrissur with us and get more out of your home!

Top Benefits of Investing and living in Thrissur

Thrissur, the cultural capital of Kerala has always been a hot favourite of home buyers thanks to the rich cultural diversity, the friendly nature of people and the picturesque environs. Top builders in Kerala like Vishraam Builders compete to build apartment and villa projects here.

Thrissur has become a hotspot for premium housing based on many factors. From high-rise apartments to gated villa communities, accommodation for tourists & pilgrims, Thrissur is also one of the best places for living after retirement as you can live close to nature.Thrissur has several construction projects going on. If you are also planning to invest in real estate in Thrissur better check out these top Benefits of investing & living in Thrissur brought to you by Vishraam Builders, the most eco friendly builders in Thrissur.

Location

Thrissur is a famous tourist destination with beautiful greenery around. There are many stunning and adventurous sites nearby like the Peechi dam, Athirappilly Waterfalls and Vilangankunnu. The elephant sanctuary of Punnathur Kotta in Guruvayur is also one of the most-visited places for tourists. Thrissur is also famous for its temples like Guruvayur Temple, Vadakkunnathan temple, etc. which are visited by several pilgrims all through the year. The vibrant festival of Thrissur Pooram is a major crowd puller in Thrissur. All these factors lead to the fact that Thrissur is a perfect destination to invest and many people are buying apartments in Thrissur to offer as tourist & pilgrim accommodation.

The best of Lifestyle Amenities

Thrissur has a perfect blend of nature and the modern lifestyle! Reputed builders in Thrissur like Vishraam Builders are building Villas and Flats in Thrissur with excellent floor plans & great amenities and facilities. The flats are in good locations near to the best of shopping & food destinations for a contemporary lifestyle. Top educational institutions like the Medical College, Engineering colleges & reputed schools are a major draw.

Connectivity

When it comes to connectivity Thrissur does not lag behind! Thrissur has excellent connectivity through air, through the 3 airports:

  • Kochi Airport: 58 km
  • Kozhikode Airport: 80 Km
  • Coimbatore Airport: 115 Km

The Thrissur Railway Station is a major stop for trains passing through Kerala. Apart from that Thrissur is well-connected to all the major parts of Kerala via roads as well.

Easy to Buy and Sell

The property rates in Thrissur are incredibly affordable. For investment purposes buying apartments in Thrissur will prove to be a wise decision. You can get fabulous returns on the capital if you wait for a few years and sell as in the coming years, the rates are bound to increase. Besides renting out is also a profitable option where you can get good rents monthly.

After checking out all these top benefits of investing & living in Thrissur you can find that investing in flats in Thrissur can be to your advantage. Make a wise purchase or investment decision & buy flats for sale in Thrissur now from Vishraam Builders. With 19 years of excellence Vishraam Builders ensure on-time delivery of flats & villas to achieve total customer satisfaction.

Tips for making down payment for your Home

A home is your haven to relax! A reflection of your personality and a symbol of social status and accomplishment. Being one of the biggest decisions in one’s life, you’ve to tread carefully. It involves a huge amount and needs meticulous planning.

Earlier buying a home was done by those in their middle age after saving up for years over their working life and that too after providing for children’s education, marriage etc. But today, people in their 30’s and even late 20’s want their own home early. You can buy a home early in your life by taking a home loan. But you need to pay a down payment (a minimum of 10%) before you go for a loan. Any delay in down payment means delay in purchasing your villa or flat. As property prices are rising day by day, the delay gets even costlier.

Here’re some tips for making down payment for your Home from Vishraam Builders, the most eco friendly builders of villas & flats in Thrissur.

Build a fund out of your savings

Try accumulating funds for your down payment from your savings. Start to save early in life and build a corpus fund. In the initial years of your career, you may consider investing in high-return investments like equity then you can transfer the funds to safer investments like fixed deposits. Making a budget & monitoring your monthly spends can pay off in the future.

Consider a proportionate release loan

For new construction projects promoted by reputed developers like Vishraam Builders, select lenders have an option which lets you make your down payment in small portions over time rather than one large lump sum. As the construction can take years to complete, you may make your down payment periodically reducing your burden.

Loan against LIC or PF

Taking loans against your life insurance policies or provident fund can be taken into consideration as a flat or villa is a long-term asset. You may repay this loan over time with your savings.

Borrow from family and friends

This can be done as a last resort, but it could be a sensitive issue.

Down payment for your home is indispensable. You may opt for a small or large down payment for your flat or villa as per your affordability. Here are the pros and cons of making a large down payment:

Pros

  • You own a larger equity in the property
  • Lesser dependence on borrowed funds.
  • Lower loan amount and lesser interest rate.
  • Quicker Loan approval
  • Cost savings

Cons

  • Lower liquidity as funds get locked up for long term
  • Lower tax benefits
  • Lesser money for the initial expenses like furniture and consumer durables, repairs and renovation, etc.

To know more on buying flats or villas in Thrissur, get in touch with us at Vishraam Builders, who ensure on-time delivery of residential and commercial buildings to achieve total customer satisfaction.

Benefits of taking a Joint Home Loan

Planning to buy your dream home? Why not go for a joint home loan? It’ll help you to share your debt-burden and also allow you to get a higher loan amount. A joint loan can be taken by as many as six co-applicants.

Who can be a joint applicant for a home loan?

Joint home loans can be availed by an individual along with his/her spouse, parents, children or own siblings. Friends, sisters or living together unmarried partners are generally not permitted to apply for joint home loans. It is mandatory that siblings and parents are co-owners of the property. For spouses, co-ownership is not compulsory. Vishraam Builders, the most eco friendly builders in Thrissur brings you a run-through on the benefits of taking a joint home loan.

Avail more funds

In home loans where there is more than one person as applicant, the lender will approve your sanction based on the income and creditworthiness of all applicants. Hence you can get a higher loan amount for your flat in Thrissur. Lenders offer lower home loan interest rates to women.

Tenure of the home loan

The tenure of the home loan can be 20 years when the spouses are the joint applicants. When parents or siblings or children are co-applicants, the maximum term can be 10 years. The maximum home loan term may be restricted to the retirement age of the older applicant (in case of parents) if their income is also considered for repayment.

Tax Benefits

A joint home loan is considered beneficial as all co-borrowers can claim tax deductions under Section 24 of the Income Tax Act against interest repaid and against principal repaid under Section 80C for a financial year. The tax benefits that can be claimed would be in proportion to the share that the individuals have in the loan. You can also claim up to Rs. 2 lakh on interest repayments if you are residing in your purchased property. In case you have rented out the property or house, there is no limit on the tax deduction you can claim for interest repayments.

The deduction against interest payment can be claimed if the individual obtains possession of the property. The total benefits obtainable in consummate terms may be higher in a joint loan as compared to an individual loan. For a couple if they jointly apply for a loan for a self-occupied property held by them in equal proportion, then both the spouses would be able to claim deduction on the principal and the interest repaid separately from their incomes according to their respective share.

Repayment is easy

The burden of EMIs is lower on your individual incomes if it is shared by your co-applicant. When there are two people contributing towards repayment of a loan it allows you to pay higher EMIs over a shorter tenure & become debt -free faster.

To book your flats in Thrissur, contact us at Vishraam Builders, with 19 years of excellence in building apartments in Thrissur.

All about RERA

Real estate sector in India has been riddled by fraudulent practices like false sale agreements, dubious delays in handing over properties, construction not as per building plans and more. Today things have become different and less troublesome. RERA (Real Estate Regulation and Development Act) has transformed the real estate industry and made real estate deals less complicated.

Before buying your flats or villas in Trichur, just check out the RERA regulations! Here’s an insight on RERA by Vishraam Builders, the most eco friendly builders in Thrissur.

Here’re the main issues handled by the RERA Act

1. Project Delays

For many years real estate had suffered because of the long term delays in handing over projects of apartments and villas (nearly 3 to 5 years) which were completely against the terms of the sale agreement. RERA stipulates that if a builder falls behind schedule for completing a project, the customer should be compensated. Up to 10% fine can be imposed on the builders by the government if there is a major delay.

2. Absconding builders

There had been cases of many builders absconding after collecting huge deposits and funds from home buyers for the apartment or villa project under construction. Some builders even abandoned the projects while the work was in progress. RERA rules state that it is a punishable offence and the errant builders can get upto 3 years of imprisonment.

3. Breach of sale agreement

Before the RERA act came into force, if buyers wished to withdraw or cancel the agreement they made with the builder due to the slow pace in construction or due to unsatisfactory services, they couldn’t do so. The builders refused to refund the invested amount also. But RERA has brought in a welcome change & the customers’ complaints are dealt on a priority basis at the consumer redressal system. Builders will even have to risk losing their license.

4. Deviations from the original plan

Builders today cannot deviate from the initial plan at the time of construction of the housing project. RERA stipulates that a real estate project with a total developed area exceeding 500 sq. mtrs. or more than 8 apartments proposed, must be registered. Even the existing projects without the completion certificate (CC) or occupancy certificate (OC) need to comply with the RERA Act.

5. Illegal permissions

Nowadays, illegal permissions from government-controlled bodies for power, water and other utilities by producing forged documents is an old story. Post RERA, there cannot be pre-launches of villas or flats without requisite approvals from the local municipal or development authority.

6. Advance payment not more than 10%

As specified by RERA a builder cannot accept an amount more than 10% of the cost as an advance payment or an application fee without first entering into a written agreement for sale and registration of the sale agreement.

RERA has brought about more clarity in real estate and home buyers can venture into buying their flats in Thrissur worry-free. Buy your apartment or villa in Thrissur from a trusted builder like Vishraam Builders registered with the RERA. Book now!

Perfect strategy to safeguard your investments during a pandemic

Corona – the Pandemic has gripped the world! It is one of the most deadly diseases which is causing a huge number of deaths. The world economy has been affected badly & economists predict a recession has set in.

Closures and retrenchments, salary cuts or delays in payout have become the recent trends! These are all inevitable outcomes of a struggling economy & may seem rather a hopeless situation. Nevertheless, there are things you can do to protect your investments from the impact of the pandemic. Before you take hasty decisions, a wait and watch policy can be fruitful at this time.

Safeguarding your investments

Shares, commodity prices and bond investments have become stressed in this scenario with even real estate is reeling under the pressure of the pandemic. But there is always a ray of light at the end of the tunnel! Here are tips for the perfect strategy to safeguard your investments during a pandemic from Vishraam Builders, reputed eco friendly, builders in Thrissur.

It is in this situation that you must give deep thought over your risk profile! Do not keep yourself on the sidelines for too long. Try to make a staggered entry into the stock market with the surplus cash you have. You should be ready to put your money to work quickly. Invest in fundamentally strong reputed businesses that are better run as they can sail through safely even as weaker businesses sink. They withstand the turbulence of the market and bounce back quickly.

This is the perfect time to invest money with a long-term view & buy your favourite stocks as all are coming with steep discounts! But even that comes with the associated risks. Before you think of making changes in your portfolio, stock yourself with an adequate buffer. Don’t make decisions about your portfolio at this time. There’s no need to liquidate your long-term investments.

Now that the lockdown has been extended a few more days, the economic slowdown will continue. Real estate seems to be a safer bet! Even though the growth curve has flattened a bit, it will gain an upward lift in the long run. A wait and watch policy will be useful here too. Do not be in a rush to sell off properties like flats. It will only appreciate in value later on.

As the Repo rates have gone down many banks and other financial institutions are passing on the benefits to their customers in the form of low interest rates on home loans. So if you are thinking of investing in flats in Thrissur, this is the best time to apply for loans. Your age will be a main factor in where you put your money. Just try to work out the amount of time you have until you will need to cash out your investments and make wise decisions. Remain calm & wait for the chaos to settle. This too will pass!

Quick Tips: Baby-proofing your Home

Keeping your baby safe in your home should be your utmost priority! When the baby learns to crawl and walk it’s fun to watch your baby explore new things. There are many precautions you can do to keep your baby safe and still let him or her explore. Now the challenge is making sure your house is ready for your baby’s new explorations.

Here’re a few tips from Vishraam Builders, the most eco-friendly builders in Thrissur to baby-proof your house:

 

  • Use safety plugs or covers on all electrical outlets.
  • Unplug household items like coffee pots, toasters, fans, and lamps when not in use.
  • Keep hot liquids away from your baby.
  • Secure to the wall bookshelves, dressers, TVs, and other objects that could fall down if your baby tries to grab onto them or climb on top of them.
  • Ensure that all the products your baby uses like cribs, strollers, playpens, high chairs, and changing tables do not have sharp edges. Place corner guards or soft pads to cover sharp corners.
  • Put sliding gates at both ends of stairs or in other areas where your baby could fall.
  • Use the safety straps on high chairs and changing tables.
  • Put childproof locks or guards on all windows, doors, drawers, and kitchen and washroom cabinets.
  • Keep out of reach all sharp objects like knives and scissors, and things like glasses and dishes that can break easily .
  • Keep cribs away from windows.
  • Keep cords of blinds, drapes, and phones out of your child’s reach. Chances are the whole curtain rod assembly may fall down if not properly secured.
  • Do not ever leave your baby alone with a pet. The pet can unintentionally hurt your baby.
  • Never leave your baby alone in the bathtub, near filled buckets or indoor swimming pools. Drain the water right after the bath.
  • Keep toilet lids down.
  • Keep pan handles on the stove turned inward so your baby can’t reach up and grab them.
  • Never leave an older child in charge of watching your baby while in the tub.
  • Put safety caps on all products like cleaners and other chemicals, medicines, makeup, perfumes, and other products that can harm your baby. As they are poisonous to the baby, store them in a high or locked cabinet.
  • Remove any poisonous indoor plants from the house.
  • To prevent choking keep small objects or parts like toy pieces, coins, buttons, marbles, rubber bands, and balloons out of reach.
  • Never put your baby to bed with a bottle.
  • Never leave mobiles from cribs and playpens.
  • Keep plastic bags or sacks out of reach of the baby.
  • Do not let the baby play with cabinet doors as there are chances of head or hands getting stuck in them.
  • Keep the refrigerator and freezer doors securely closed.
  • Do not place your baby on a couch to sleep as there are chances of falling down. Put side bars on baby cots.

Books your apartments in Thrissur or villas in Thrissur today with Vishraam Builders, the builders with 19 years of excellence in building construction who continuously excel by innovating, improving quality, reliability and service.