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.


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.


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:


  • 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


  • 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.

All you want to know about CREDAI

CREDAI or the Confederation of Real Estate Developers’ Associations of India is an organisation revolutionising the real estate sector of India! Established in 1999 CREDAI has been pursuing the cause of housing and habitat providers. Since inception, CREDAI has grown its membership base and today has more than 20,000 members today spread across 21 states in India and 220 City chapters.

Here’s an insight on all you want to know about CREDAI from Vishraam Builders, eminent builders in Thrissur with several residential projects of flats in Thrissur to their credit.

CREDAI is today the preferred platform for National discourse on Housing and Habitat and also is a knowledge sharing platform about the latest industry data, technology advancements and industry benchmarks for its members. The annual events of CREDAI are the CREDAI Conclave and CREDAI National Convention which are held over two days each. They showcase latest technological, managerial and financial innovations in the real estate sector to an elite audience of more than 1000 developers, policy influencers & media persons.

The organisation CREDAI is all about making a conscious effort to bring on mission transparency and to protect the interest of buyers. It has established a Consumer Grievance Redressal Forum to pursue this issue in October 2012, and any aggrieved buyer can register a complaint against a CREDAI member developer. With this in place CREDAI seeks to resolve consumer complaints with speed and efficiency. Not only that, CREDAI seeks to promote bestselling practice amongst the developer fraternity. The forum has so far taken the initiative to successfully resolve complaints registered with a success rate of 90% customer satisfaction.

CREDAI Initiatives

  • CREDAI launched the CSR FOUNDATION to bring about a synchronisation to its CSR initiatives.
  • CREDAI spends a large amount of social and charitable efforts in building Schools, Hospitals, Skill Development, Education, Places of Worship, Old Age Homes, Care Centers, Child Centers, Roads and Gardens.
  • The CREDAI CSR Foundation has launched CSR awards to recognize the development initiatives of its members. Many scholarships were awarded to deserving students, to help pursue their dream career in Real Estate.
  • For Skill Development, CREDAI has been conducting regular On-site Training Programs for construction workers at construction sites through its member developers spread across 23 states and 205 city chapters. CREDAI has trained more than 1 lakh construction workers so far.
  • CREDAI has also instigated the Clean City Mission for eliminating solid waste and promoting green practices covering 1,00,000 apartments.
  • CREDAI has adopted Mercy Kuttan Athletic Academy to encourage sports and train talented young women athletes of International caliber.
  • Youth Wing of CREDAI nurtures the next generation of CREDAI leadership. They are encouraged to participate in CSR activities of CREDAI to further this goal.
  • Women professionals and entrepreneurs in the real estate sector have full support from the CREDAI women’s wing.
  • The Preferred Partnership Program by CREDAI helps industries associated with real estate to enlarge their presence and visibility.

CREDAI has backbone of the Real Estate Industry. It has etched the vital importance of real estate to the GDP of India on the minds of the government, policy makers and the general public and has become the Vishraam Builders the most eco friendly builders in Thrissur is a member of CREDAI and have built many residential projects of apartments in Thrissur. Leveraging on its 19 years of building excellence, Vishraam Builders is excelling continually by innovating, improving quality, reliability and service.

Why investing in Villas is a good idea?

Indian Real estate market has changed for the better after the implementation of much-anticipated regulatory bills like GST and RERA. With more transparency in operations and clear-cut tax structures the property market has certainly picked up, causing potential home buyers to invest without hassles. Today’s trends show that people are preferring Villas and independent houses more than apartments. Vishraam Builders, the eco-friendly builders in Thrissur with 19 years of building excellence, bring to you an insight on why investing in Villas is a good idea?

Freedom to design

Villas allow you the freedom to design your space as per your preferences. You get to live in the lap of luxury if you plan a luxurious home! Besides, you are also able to enjoy decking up your home with top interiors. Apart from that, you can have a go at long-lost hobbies like gardening or even grow your own herbs and spices. Villas are not just the best form of investment, but also the realisation of a dream home. You can opt for villas in a gated community like Vishraam Praana and treat yourself to amenities and facilities in the comfort of your independent house.

Great locality and appreciation value

Having a villa in the suburbs of a city is always a better choice than a congested studio apartment in a busy neighbourhood! Suburban neighbourhoods are now having promising appreciation rates and also provide the ideal surroundings for families to live. A suburban villas in Thrissur also offers a pollution-free living away from the hustle and bustle of the city. Suburbs have quick appreciation as well as great connectivity to the major hubs of the town.

High resale value

The initial cost of Villas for sale in Thrissur may be higher but they have a much better resale value and you can reap in more than you invest. They are far more spacious than apartments and you can have the option of renting out some extra unused space as well for extra income.


Villas offer a great deal of privacy as they are independent houses. Family get-togethers, barbecue session or parties with music can be held in the privacy of your house or garden lawns. You can nurture your family for generations to come, in your villa in Thrissur.

Security at its best

Villas are often mistaken to lack security. Potential homeowners feel that they will constantly need to hire security guards for villas, however at developments like Vishraam Praana, security will not be a concern. You can enjoy the luxury and opulence of a villa in the security and soundness of a gated community, making it the perfect form of investment for families.

The combination of such benefits make Vishraam Praana, villa project in Thrissur from a trusted builder like Vishraam Builders, who excels by innovating, improving quality, reliability and service, truly ideal of a lifetime.

8 Tips to Nurture your indoor garden

If you are owning a flat in Thrissur or a Flat in Guruvayur a beautiful indoor garden with healthy house plants is going to make you the envy of your friends and family! With a little expert guidance, you can create one. These are a few tips to nurture your indoor garden that will make you the envy of your family and friends!

1. Choose Healthy Houseplants

Plants that are healthy make a good indoor garden. Choose plants wisely from a trusted nursery. Chinese evergreen, Dracaena, Pothos and snake plant can be grown easily with little care. While buying look for signs of good health.

2. Water Properly

Improper watering is a top cause for damage in house plants. The signs of underwatering are wilting, loss of leaves and flowers, and brown leaf tips. Overwatering causes fungal disease in the roots, which leads to root rot. Overwatered plants will have blackened leaves. Plastic pots will retain soil moisture longer than porous terra-cotta containers.

3. Provide Optimum Lighting

House plants without enough light grow weak and spindly, lose leaves and are prone to pests and diseases. Place plants that require high light in front of a window, or under full-spectrum lighting in your Villas in Thrissur or Flats in Guruvayur. Plants that need medium light can be placed away from windows.

4. Fertilize Regularly

Feed your houseplants with high-quality fertilizer to promote a healthy growth and plenty of flowers. Frequent applications of mild organic fertilizers, will provide a constant supply of organic matter that breaks down slowly and provides plants with necessary nutrients.

5. Control Houseplant Pests

Check weekly for signs of insect infestation like mealy bugs, scale insects and spider mites. Sure signs of infestation are holes in leaves and a sticky substance on foliage excreted by pests as they feed. Isolate the affected houseplant immediately and treat it to safeguard the rest of the plants.

6. Ensure sufficient humidity

A little additional humidity certainly helps your house plants! Leaf curling and yellowing, bud drop, brown leaf tips and pest infestation are sure signs that your houseplants suffer from low humidity. Spray your houseplants with water two to three times a day. You can also place the plant in a tray filled with polished stones or marbles with water added to it. Grouping plants together will also cause plants to humidify each other.

7. Groom and Prune

Keep your plants well groomed and pruned to keep them tidy and attractive. Regularly remove dying foliage and spent flowers. Wipe leaves with a soft, wet cloth to remove dust and buildup.

8. Repot when necessary

Houseplants thrive with occasional repotting. Re-pot to a container which is one pot size larger than the current container.

We hope these tips to nurture your indoor garden from Vishraam Builders with 19 years of excellence as the most eco-friendly builders in Thrissur has been of help to you. We ensure on time delivery of residential and commercial buildings to achieve customer satisfaction. Happy gardening to you!

Property Transfer – the Intricacies

The happiness of buying a house with your own earnings – nothing can match it! After months spent on searching, you zero in on a property and pour in your hard-earned money and lifelong savings in buying it. But it is not a bed of Roses! Most of us do not know about the essentials of property transfer – the post purchase paperwork we should need to complete.

Vishraam Builders, leading builders in Thrissur brings to you two important aspects of the property transfer process:

The property tax record

Many homebuyers are unaware that changing the Tax records in the property records should be done when ownership changes hands. If the change of ownership takes place in flats in Thrissur and the municipal authorities are not notified on time, tax receipts will still be generated on behalf of the previous owner.

Change name in the Property Tax document

Submit the following documents to change the name on the property tax documents of flats in Thrissur:

  • Attested copy of the sales transaction deed
  • Receipt of the tax last paid
  • Properly filled application form with signatures
  • No Objection Certificate from the associated housing society

Mutation of property

A process that helps in transferring the title ownership from the property owner to the buyer after purchasing the property. The government can levy taxes on the new owner of the property. You will need to submit an application to the Tehsildar with a non-judicial stamp on it. The No Objection Certificate (NOC) for the purchase case and an affidavit for the inherited case are the most important documents.

The MoU

Before buying properties in Kerala, you need to sign a deed. The buyer and the seller need to process and sign Memorandum of Understanding (MoU) before signing the actual deed. The MoU contains the important information like

  • Price of the property
  • Date of the agreement
  • Consent and details of both the parties
  • Duration by which the amount must be paid.

Types of deed

There are 4 types of deeds in property transfer:

  • Relinquishment deed – when an owner transfers and thereby relinquishes his/her property rights to the co-owner.
  • Sale deed – whenever the property is being purchased.
  • Transfer deed- used for the transaction of the property. It should be done compulsorily in front of a witness and it cannot be signed while the property is on sale.
  • Gift deed -when someone is gifting the property without obtaining a price. But it needs to be signed in the presence of a witness and registered before being gifted.

Things to consider before transfer of flats in Thrissur:

  • Hiring an attorney
  • Be up to date about the present market value
  • Notarizing the deed
  • Exemption of taxes
  • Be well versed about the legal documentation involved
  • Be well acquainted about the description of the properties like address, dimensions, landmark and details of owner and buyer.

Property transfer takes time you can remove the stress out of the process by knowing about the essentials of property transfer. Get in touch with us at Vishraam Builders to book your apartments in Thrissur.