Advantages Female Home Loan Borrowers Get

India is a country which believes the progress of the nation lies in the progress of women. In the ancient times, women lead the family and played an important part in the financial decisions. With the advancing times, women are now again becoming self-dependent. They are exploring the world, winning medals for the country, reaching heights and buying their own house. While there is a tradition in India that the house is registered under the name of the oldest female member of the house, but she never truly is the owner.

Govt. is now coming up with various plans to encourage the female home loan borrowers. As such, the position of the women in the country is going to be strengthened. Let us see the benefits enjoyed by the women in case of availing the home loans from the banks and other financial institutions.

1. Women get the home loans at cheaper interest rates compared to men. This difference in the interest rate is very small (around 0.05%) but not negligible. Even a minute relaxation makes a huge difference in the monthly EMI to be paid. The home loans are in lakhs so the yearly savings are at least be in the tens of thousands.

2. To reap the benefits, a woman needs to be the only applicant, or the primary applicant if the loan is jointly owned by two people. The joint owner can be the husband; or father, mother or brother if the woman is unmarried. The woman should be financially solid and should have the ability to pay back. The husband-wife combination is the most preferable because it shows the stable future and potential to repay. However, the financial institutions get the assurances against any future disputes between the co-owners and may ask for the affidavits.

3. Women also get the relaxation in the stamp duty. It is the amount to be paid at the time of registration of the house. This varies from state to state and ranges from 2% to 8% of the actual value of the property. This is a huge amount and even a small relaxation is significant. One can avail this advantage only when the woman is the sole owner of the property or if it is jointly-owned, the other partner should also be a woman. This also varies with the states, so get the knowledge about the stamp duty relaxations before buying a property in any state.

4. It doesn’t end here. She also enjoys the tax benefits. When husband and wife jointly own a property, and separately claim the tax benefits, the savings just get doubled, provided the woman also has a separate income source.

5. Women are considered more credible as compared to men when it comes to paying back. They are the safe borrowers with a lower risk profile. So, the loan applications by a woman or by a woman joint owner are less likely to get rejected. Well, this is a not a rule laid down somewhere but women are considered more regular in paying back.

If you are a single woman trying to get by in the men’s world or you are just starting the new phase of your life, amend your credit score, get a home loan and buy your dream house. It is a matter of rejoicing, a way to celebrate freedom.
Original Source : http://www.ownaroof.com/blog/advantages-female-home-loan-borrowers/

 

अपना घर तो अपना होता है

सड़क पर कुछ छोटे छोटे बच्चों को आधे कपड़ो में देखा तो अहसास हुआ के हम तो बहुत किस्मत वाले है के हमारे पास अपना एक घर है। हमारे पास एक छत है जो हमे बारिश से बचाती है और वो चार दीवारे जिनके भीतर हम सुरक्षित महसूस करते है।

चाहे अपने घर में कई कमिया हो, पर अपना घर तो अपना होता है। ये वो एक जगह होती है जहा आप जैसे है वैसे रह सकते है; फिर भी सभी आपको प्यार करते है। जब हम नए लोगों से मिलते है तो नाम के बाद उनका दूसरा सवाल होता है “आप कहाँ रहते है?” आपका घर आपकी पहचान होती है, ये आपके व्यक्तित्व को बयान करती है। हाँ, आप किराये के घर में रह सकते है पर क्या वो घर कभी भी आपकी पहचान बन सकता है?

कहते है की एक घर आपकी जिंदगी भर की जमा पूंजी होता है और भारत में ज्यादातर लोग एक ही घर में अपनी पूरी जिंदगी निकल देते है। अपना घर खरीदना अगर अभी मुश्किल लग रहा हो तो इतना समझ लीजिये के ये कभी आसान नहीं होने वाला। अगर घर खरीदने का कोई सही समय है तो वो अभी है। चाहे आपको एक आलिशान विला खरीदना हो या एक छोटा सा फ्लैट, एक सही घर की शुरुआत हमे अभी से करनी है।

अपना घर खरीदने के ये कुछ फायदे शायद आपको एक सही निर्णय लेने में मदद कर सकते है।

१. आज़ादी
इस स्वतंत्रता दिवस अगर सच्ची आज़ादी चाहिए तो क्यों न किराए के घर से निकल कर अपने घर में गृहप्रवेश करे? अपने घर में दीवारों के रंग से लेकर रहने के ढंग तक; सभी फैसले आपके अपने होंगे। दिवार पर फोटो लगाने के लिए दो बार सोचना नहीं पड़ेगा के मकान मालिक ने ऐतराज किया तो क्या होगा? जयपुर में प्रॉपर्टी आप इन्टरनेट पर भी बुक कर सकते है। किराए के घर से आज़ादी अब और आसान हो गई है।

२. निवेश
घर खरीदना एक बहुत मुश्किल कार्य है परंतु आपने अपने बड़ो से ये तो सुना ही होगा “प्रॉपर्टी की कीमते बढ़ती ही है, कम नहीं होती”। आपका घर आपको वित्तिय सुरक्षा भी देता है। जितना जल्दी हो सके हमे अपना घर खरीद लेना चाहिए, अगर ये वो घर नहीं हुआ जिसकी आपने कल्पना की थी, आप इसे किराए पर भी दे सकते है।

३. स्थायित्व
अपने घर में आपको आज़ादी ही नहीं सुरक्षा भी मिलती है। आपको हमेशा ये डर नहीं रहेगा के अगर मकानमालिक को एक नया किरायेदार मिल गया तो क्या होगा? ये आपका अपना घर है और इसे आप से कोई नहीं छीन सकता है। एक नयी शुरुरात करने के लिए या परिवार को आगे बढ़ाने के लिए अपना घर सही विकल्प है।

४. स्वामित्व का गौरव
‘मेरा घर’। एक घर को अपना घर कहने में जो गौरव की अनुभूति होती है वो अदभूत है। घर की महिलाओ को घर की चाबी कमर में बंधने से जो स्वामित्व का एहसास होता है वो दुनिया में किसी चीज़ से नहीं होता है। शायद इसीलिए अपने घर आते ही ह्रदय राहत और ख़ुशी से भर जाता है।

तो अब ज्यादा सोचे बिना एक फैसला ले और जो रकम आप सालो से बचा के रखे है उसका सही जगह उपयोग करे। अगर ये वक़्त अपना घर खरीदने के लिए सही नहीं है, तो सही वक़्त शायद कभी नहीं आएगा। जयपुर में एक बी.एच.के. फ्लैट के कई विकल्प है, वो चुनिए जो आपके बजट में है।
फैसला आपका, घर आपका।

Original Source : http://www.ownaroof.com/blog/your-home-is-your/

Some Clicks are More than Enough Now to Buy your Own Roof

Buying a house is already a tough decision; the process need not be more excruciating.

Own house marks an important milestone in the lives of the people and it is the memories that they cherish for the rest of the life.

A person needs to be financially competent, he needs to be self-reliant, he has to fight with the daily stress and fear that anything can go wrong.

If you have bypassed the first step and you are sure that you need to buy one of the flats in Jaipur, the hard part is done. Now all you have to do is take out your laptop or the smartphone and start browsing.

Too complicated and you have no vague idea?

Let us together buy a house of which you can be a proud owner.

1. The extensive search

You do not want to get stuck with a home that is not meant for you. As such, you have decided some criteria like 1BHK or 2BHK. You do not have to check every listing that is not relevant. The top online property listing sites allow the extensive filters which allow shortlisting the houses based on the requirements. Thus, you will be shown only the houses that you may be interested in. This is almost congruent to a broker who knows your requirements and shows you the houses of interest.

2. Make the best use of the time saved

You will save a lot of time by browsing the properties online, this time saved, can be utilized in shortlisting the best few for yourselves. Just look at every aspect of the property. Some sites show you the 360 views and the thorough knowledge of the space and interior. Do not hesitate in checking out the property at various sites to gather the optimum knowledge about it. The details down to the minute points will give a clearer idea of the house.

3. Peep into the neighbourhood

This thing works the best if you want to buy a house at a place which is far far away. It is not possible to visit every open property just to be disappointed at the end. The online sites would help you meet your perfect place with the great neighbourhood. You can find local activities like celebrations, crime rates, locality, the parks, and schools nearby etc. Of course, it cannot be comparable to talking to a neighbour personally but in the world of competition, the sites only display the facts to beat the competition. After all, their credibility is associated with it.

4. The price comparison and finding the best offer

Who said you have to be loyal to a site. Just open various websites that list online properties for sale at a time and try to locate the same property or the similar ones. You can compare the prices and get the house at the most affordable rates. These websites also offer easy EMI options to make the payments without getting financially drowned. The blogs on the websites help you with a better understanding of the procedure of buying a house.

5. Read the review or ask around

The internet is a treasure of the information. You can find nearly everything on it if you search. Today, the e-commerce world is guided by the reviews and the trust is the new currency. It is the general habit of the audience that they may not praise a thing but they are ready to pinpoint the shortcomings. Read the online reviews to find if you are making the right decision. If possible, you can talk to your friends who live in the locality to get the inside knowledge.

6. A small physical inspection

You know a few properties which fit your description of the ‘house’. It is the time to get on the foot and visit them to get the real experience. You already have collected enough insights about the house and this is more of a formality to see if everything checks out. Do not hesitate to ask the questions. If the physical inspection is not possible for you, you can contact the customer care executive of the property listing site. These people are always ready to help and can give you all the answers.

7. Seal the deal

You know what needs to be done. This is the time to realize all those dreams of owning a house. Get the finances on the track and pay to sign the contract. You are more fortunate than a large group of the population which do not have a house with their names written on it. Love your house because within these four walls, no one judges you.

8. Own a roof
So, you have a house now. Decorate it as the way you want. Do not hold back because this piece of land is yours and no one can take it from you. You deserve it and you worked hard for it. Have a great life ahead.

We wish you a very happy own house.

Original Source :  http://www.ownaroof.com/blog/clicks-buy-roof/

How Jaipur metro affects the property for sale in Jaipur?

Jaipur the fastest growing city in India which also magnifies the tourism, IT sectors, and industrial growth. The recently launched metro is treating as an essential boost for the real estate market. The huge developments in infrastructure have an annex to the growth of the city and also impact the price of the real estate property in Jaipur around the metro stations.

The most promising areas of the city are covered under the first phase of a metro. Basically, the metro is divided into two phase in the city the first one is Chandpole to Mansarovar that already takes place while the second one is from Chandpole to Badi Chauper. The first phase of metro is connected with developing areas of Jaipur like Mansarovar, Shyam Nager, new Aatish market, Sindi camp and Civil lines. And the phases B is assigned and work has begun as well.

With the announcement of the metro project in Jaipur the value of the flats or property for sale in Jaipur is increased suddenly. And before the competition of projects, the price of property has accelerated and because of that, those individual who desire to Relish the Luxury life is might little bit difficult to few once. Some localities besides with metro station of Jaipur is not accessed before and also not well connected with the main city. This will help the passenger to reduce the travelling time.

The 2 BHK flats in Jaipur in a size of 850 to 1600 per Sq. Feet is easily available in a range of 22-62 lakh and 3 BHK flat in Jaipur size of 1250 to 2200 per sq. feet in a range of 30 lakhs to 1.2 crores in Mansarovar. The rates of properties in Jaipur are comparatively low than other metro cities. After starting the metro service rates of property is increased and the new projects are launched. So that investor wants to earn a profit then they should invest in property in Jaipur.

 

The civil lines area of Jaipur is also well developed and under the phase A of the metro.  The current status of the civil lines area is 50 to 85 lakh and the size of a flat is 950 to 1250 sq. feet. For 2 Bhk flats and for 1450 to 2100 sq. Feet area prize starts with 70 lakhs to 1.5 crores for 3 Bhk flats.

In Jaipur, many people cannot own a flat near the metro because there are expensive so they are looking for a reasonable flats in Jaipur. Metro is also covering the outskirts and suburban area of Jaipur. So people or individual can invest in outskirts which easily available in affordable price and they can also enjoy the connectivity of metro station in Jaipur.

In addition individual who desire to invest in Jaipur real estate, we would like to advise that this is the best time for investment because if once the best projects are completed or become functional than the rate of those properties is increased and become more costly. So there are many properties in Jaipur that are affordable and those properties the investor can consider.

Jaipur Real Estate Market Status

Real estate market in Jaipur is witnessing the boom in last few years. It is estimated that by 2025, Jaipur is become a mega cities with a population of 11 million covering an area of 800 sq.km. In this coming year the real estate market is going to see a rapid growth in Jaipur which simply means more property more buyers. Developers is successfully holding their price rate of property in Jaipur even though the investor are also waiting to burst, if this situation continues then the investment of investor will stand in good yield.

In recent year a graph has been follow for Jaipur real estate market where as the Jaipur is appreciated in cost. Basically Jaipur is fulfilling all the essential part of being a metro city and make build strong connections through road and network with other metro cities. Jaipur is most preferable tourist’s destination a huge number of tourists come from different countries because it is heritage city so the tourists want feel the royal lifestyle and their royalty.

We have some real estate market trend which developing recently:-

·        In Jaipur the maximum activity of real estate market is done in micro markets like Vaishali Nager, Jagatpura, Patrakar Colony etc. because these regions are connected with neighbouring location like Siker road, Ajmer road, Sirsi road, Tonk road and Delhi road which help to setting up various Builders in Jaipur and increase the flow of development in Jaipur.

·        The increase in residential property  is approximate appreciation of 8-10% is happened in 10-12 months however in 40-50 month we expect approximately 11-15% appreciation. This help to hold the micro market in Jaipur.

·        Mainly maximum real estate market fall in price of 2500-3500/sq. ft.

·        The most preferable residential blog is 2 BHKflat in Jaipur, 3 BHK in Jaipur.

·        It has also been observed that residential real estate in Jaipur is determined by 55:45 ratios of mix end user and investor. Mostly buyer is from IT/ITES, migrant from the city and business community ae looking flat for standard of living.

REPUTABLE BUILDER FOR YOUR DREAM HOME

Whether you want to purchase small, big or a modest home, you have to spend a lot of time and money to choose best. But before investing one should keep in mind that in which they investing is right for them. Because home is that place where whole family live together to share lot of sorrow and joys. So it is more necessary to choose the best home with the help of the best builders which give you the guarantee the success of your building projects. For that, it is important to work with reputable builders.

Before build your dream home, there is many thing to consider when you select the right contractor like period of time, logistic, price and others. If you are not decide the right builder then you can ask them your query like about the registration , professional membership, customer support services before or after the projects, normal downtime in between project, services and warranted  process. Ask builder for the written warranty, which help to easily understood the warranty cover, term and condition of the services and the method for service requesting.

For getting best result, first choose the best builders from whom you deciding to purchase the property for that you should think about the latest technologies that they used for your dream home. Reputed builders always avoid the unnecessary expenses and concentrate more in best quality. Investor can get the number of contractor and call them for any queries and suggestion. Make the correct decision before hire anyone.

Investor can get the advice from their friends for any recommendations as to which builder is better for getting service. You can also ask your doubts from them like: about their result, completion of project according to schedule and budget, building experience, communication problem and others. Might be your friends able to give some good advice for choosing best builder.

The decisions to selecting the best house is not being taking lightly it involve lot of money and time. Therefore, finding best property in Jaipur getting genuine builders is extremely important. A Reputed builder is always complete their responsibility with high standard.

Looking For Property In Vaishali Nagar?

If you are looking for a flat for sale in Vaishali Nagar then you need to keep some things in your mind. Vaishali Nagar in Jaipur is one of the best place in Jaipur. This area is one of the sumptuous areas of Jaipur, which is suited in southern western part of pink city. The area comprises of lush greenery and all amenities that entice both investors and end user. 

If you are thinking to occupy a residential apartment in this lovely location you do not have to go long for all daily life requirements such as supermarket, malls, restaurant, hospitals and ATM’s.  Connectivity is a major factory why Vaishali Nagar is a hot favourite with home buyer. The area is well connected by bus or rail to other part of the city. The airport is 12 km away and the railway station at a distance of 4 km.

Vaishali Nagar has excellent social infrastructure with a large number of schools and hospitals located here. It also offers a wide range of culture activities and is a relatively safer than other parts of Jaipur. Home buying sentiments in Jaipur during 2012 have been high but the market has been favouring low and mid segment housing. The average price for flatsfor sale in Jaipur has been between INR 3000 per sq ft and INR 7000 per sq ft. The rental values were between INR 10000 and 15,ooo for a 1000 per sq ft 2 BHK Flats in Jaipur.

This is a good locality to make an investment in, as realty prices have been appreciating year on year. So it is prudent to invest in Flats in Vaishali Nagar for the land value is definite to appreciate. The prices for residential and commercial flats in Vaishali Nagar have been rising steadily; as they have been in other part of Jaipur mainly because there are limited parcels of land for development.

However, Vaishali Nagar is almost at saturation point and home buyers are moving further towards to outskirts for better deal.

You can also track price of all property inJaipur by clicking here.

Top 9 Real Estate Company in Jaipur

Owning property from a renowned builders is always worthy as you are free from the hassle of fake documentation, lack quality in construction and nimble design. Renowned builders are meticulous about their reputation in market, therefore they always striving to give more luxury and standard through their development.

Here we pushed light on top 9 Celebrated Builders who are sought after for their cutting edge design and class in construction.

Unique Builders

UB acronym of Unique Builders is one of the celebrated builders in Jaipur. The company is the subsidiary of Mannat Group, in the last decade UB get the Hikes in building and construction that makes them popular not just in Jaipur but also all over the India.

Featured Projects in Jaipur

• My Haveli
• Unique Savi Emporia
• Unique Prime
•  Unique Aura
• Boulevard

APEKSHA GROUP

Apeksha is another renowned builder of Jaipur. The ethos of the company is to offer their clients classy and luxury living from the basket of plentiful living options offered by the group.

Featured Property in Jaipur

•  Atelier
• Jai Vilas
•  Rudraksh Apeksha
•  Festiva

Anukrriti Group

Anukrriti Group is one of the prime Builders of Jaipur, the company comprise the devolvement of residential, commercial and retail projects. The project of Anukrriti Group includes Homes, Industrial Parks and Commercial Complexes.

Featured Property in Jaipur

•  Anukrriti’s Township
• Garden 41

SDC Group

SDC Group have outreach their business roots in diverse areas such as retail outlets,  woollen yarn and real estate. The company start their hands in development in 2002. The development that are done under the SDC group are counted exemplary.

Featured Property in Jaipur

•  SDC Dav
• SDC Classic
• SDC KARAN HEIGHTS
• Rukmani Garden
• SDC Victorian Empire
• SDC Golden Opulence
• SDC Ashiyana Apartment
• Golden Heights
• SDC Suman Abode

Sunny Group

Sunny Group was founded by Mr. M Akhlak in 1980s, a canny business man who knows that Jaipur will become one of the hubs for residential and commercial purpose. The group have launched more than 20 projects at prime locations of Jaipur. The development comprises Hotels, Shopping Malls, Commercial Plaza, Restaurants and Apartments.

Featured Property in Jaipur

 Sunny Studio Exotica
 Sunny Enclave
 Sunny Square

Vardhman Group

Vardhman Group is standing from the last 33 years in development and construction.  The group always upgraded with professional resource to deliver high quality in its projects. The residential projects executed by Vardhman Group have been appreciated for their foresight and attention to details.

Featured Property in Jaipur

 Vardhman Western Heights
 Vardhman Majesty
 Vardhman Residency
 Vardhman Apartmant
 Vardhman Aspire
 Silver Crown
 Arcadia Greens

DND Group

DND Build Home PVT Ltd. is also a renowned development and construction company. The company indulge in residential and commercial property development.  The group is one of the fastest thriving entities in real-estate sector.

Featured Property in Jaipur

 LA FORESTA
 King’s Landing
 Samriddhi Residency
 DND Lakshdeep
 Royal Platinum
 Govind Residency

Okay PLUS Group

Okay PLUS Group is the one of the trusted name in Rajasthan dovelopment and construction group. The founder of the group is Mr. O.P.Modi , Okay PLUS Group frames itself as one of the Rajasthan’s largest Real Estate group.

Featured Property in Jaipur

Ashiana Group

At Ashiana Group, the ethos of the company is never repel from the commitment and goes beyond the expectation of flocks to provide streamline development that they never aspire. 

Featured Property in Jaipur

 Bhavyaa Paradise
 Gulmohar Gardens
 Vrinda Gardens
 Ashiana Umang

If you are eager to occupy your own home and are looking for apartment, villa, penthouse and flats in Jaipur you do not need to wander for the search. With the bless of Own A Roof now it’s hunky dory with the click on OwnARoof.com website you can find all property details listed by genuine sellers.  The best thing with this area is that you can narrow down your search according to your budget and also set the desired location where you looking property. You can also find exact result like 1 BHK flats in Jaipur, 2 BHK flats in Jaipur, 3BHK flats in Jaipur and 4 BHK flats in Jaipur by using our brand new search customization feature.    

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