10 Awesome New year resolutions you will love to do!

When it is December time, we all wait for the new year’s eve for the unlimited fun to end the year gone and the first day of the new year for the new year resolutions for the year.

However, not many succeed in following the new year resolutions throughout the year. So, what if we give you some awesome new year resolutions that you can try in the coming new year that you can even complete without having to worry about the completion of the same?

Here are 10 fantastic new year resolutions that you can pick to complete it without any hassles!

1. Adopt a pet dog- Yeah! A new member in your family this new year!
   
   
   
   
2. Relive your childhood- After all, we are all kids from within!
   
   
   
   
3. Fun with family- Begin the year with a bang with some awesome moments and trips planned for the coming months!
   
   
4. A better lifestyle- Upgrade your lifestyle and be presentable each day!
   
   
5. Get a gadget that you always wanted as a child!
   
   
   
6. Watch as many as 5 favorite movies continuously at a stretch!
   
   
   
7. Learn a new word each  day!
   
   
   
8. Fix a day for yourself each month to pamper the child in you!
   
   
9. Help your friend Fight his/her fear with a surprise plan
   
   
   
   
10. Take interest in things you did not explore yet!
    
    

So, which all would you fix for yourself in the approaching new year? 

Dew Drops- An Ongoing Residential Project by Ram India in Saswad

In a cosmopolitan city like Pune, life is not how it is in sub-urban locations of other cities. The people of the city do not have much time to spend with family members. And with the amount of work they do, the mind does not allow them to put some more efforts after the day ends at work for them. The hectic lifestyle that these people live here is a necessity that demand solution.

What according to you is the solution to this? Will having own home in the city be sufficient to deal with the routine stress of the workplace?

 Well! Even we feel it is not the solution that will help. We believe, what  a man needs today is not merely a place but a peaceful place. A place that brings freshness in the lives of the people. With the concrete jungle expanding each year, there is hardly any place left to get close to nature. And even if there are a few places, one needs to take out  time for that which is not easy again.

So, Dew drops, an ongoing project by Ram India Group, is an initiative to bring people closer to nature and spend peaceful time at home amid the green environs along with beauty and freshness. 

The project, as the name reads, is based on the very basic but necessary need of life, freshness and peacefulness. The marvellous residential project is located in Saswad and offers 120 residences across 10 imposing buildings with configuration options of 1 and 2 bhk flats in equal numbers.

The project is designed keeping in mind to allow maximum sunlight and flow of fresh air across each flat with zero congestion. The location of the project complements its concept with the pollution-free , lush green ambience with colorful flowers blooming in and around, birds chirping and cool breeze wrapping you all around.

With all this comes the personalized living space for all the residents who would love to return back to home for their personal space in life that they enjoy the most.

So, if this project interests you, explore more details about the project here. 

Ceiling Fan Cleaning Tips

A home is, more often, a once in a lifetime financial decision that one takes. So, when it comes to the maintenance cost  of the property, they keep increasing over time.

And if we speak of the cleaning part of maintenance, it is a tiring task and risky as well to an extent.

Hence, here are a few tips to cleaning your ceiling fan careful and with good results.

1. Turn the fan off before you start: The first step towards cleaning the fan is to put off the fan and let it come to rest.
2. Clean your fan every week to keep your home dust free: cleaning fan regularly reduces the amount of dust in the room for more hygiene and dust-free room.
3. Wear hand gloves and mask properly: dusting or cleaning the fan without proper mask on the face or without hand gloves can result in breathing problems or even cause itching due to the settled dust. Hence, wear hand gloves and mask properly.
4. Use Step Ladder or stool to stand on: Reaching the ceiling without strong support can lead to dangerous falls. So, use step ladder or stool to stand on to clean the fan.
5. Take Swiffer or feather duster extension or lamb wool cloth to wipe it off: Taking so much of an effort to clean the fan but without good result can be discouraging. Hence, ensure you use the Swiffers to clean the fan properly.
6. Before cleaning, cover your furniture with clothes beneath the ceiling fan: don’t you think cleaning the fan at first and then cleaning the furniture will be a tiring work? So, in order to avoid double work, cover your furniture with clothes before cleaning.

A smart home or a futuristic home?

“What is smart shall remain stagnant, but what is futuristic, shall remain one with scope for improvement!”

We all aspire to have a home that fulfills our basic desires with comforting features, but, what if you have an option to step beyond the regulars and the smart, what if you have the option to have a futuristic home?

Livogue, a lifestyle in vogue, is a project by Ram IndiaGroup that promises a residential space with futuristic homes where features revolve around your comforts. In a contemporary world like that of today, where neither of us are wasting time in recollecting the past, rather more involved in future planning, it is mandatory to have a plan for your future home as well!

If you are wondering what these futuristic homes include, all you need to know is that these homes are designed around your comforts and lifestyles to add a next level of convenience to your life. 

Finely blended with technology and smart features, residential spaces at Livogue boasts of the elegant lifestyle you wish to have.

These residences do not shout out loud of their existence, but, have a definite establishment that adds to their definite establishment that adds to their credibility. A home that speaks well of your social stature along with an elegant lifestyle is what Livogue stands for! Celebration of nature’s beauty along with the handsome support of the technology in blending comforts and smart features is what you experience at Livogue.

The unique construction amidst the sea of conventional residential spaces, Livogue stands apart from the rest of the project with its unique elements, futuristic look and feel.

Located in the serene location of Hadapsar, Livogue reflects the revolutionary growth that the location has witnessed over the years and hence, turns out to be one of the preferred projects that portrays the acquired growth in Hadapsar.

So, if there is a tech-savvy person inside you, you will surely love this home as it has all that you need and wish for in a futuristic home.

New residential projects by Ram India Group

Ram India Group, one of the well established group of builders and developers in the city of Pune, has been delivering quality residential projects across various regions of the city. Some of the already completed projects of the group include the Life Park located in NIBM Annex, Mayur Vatika in Dapodi, Mayur Nagari in New Sangavi, Green Divine in Hadapsar, Unnati in Market yard Annex,  Crimson Crest in Magarpatta City and Sampanna Homes in Hadapsar.

Other than these completed projects, the Ram India Group has begun with the establishing some of their new residential projects so as  to provide better housing options for the people who wish to buy a dream home in this cultural city of Maharashtra.

These projects are being constructed with an aim to provide smart features in the homes for people who plan to buy a home in these apartments in Pune. The ongoing projects of the Group are Livogue, Green Hive and the Dew Drops.

Livogue is situated in Hadapsar and offers 1, 1.5 and 2 bhk apartments with smart home features and amenities of high standards. The project has been crafted with perfection and is believed to establish homes with quality construction and design that will not only add to the luxury quotient of the resident, but, also emerge as a true reflection of better standard of living. These homes a futuristic home  that are enabled with smart home automation features that brings more comfort for the people residing here.

On the other hand, Green Hives is a project of Ram India Group, that is situated in Phursungi region of the city along with the Dew Drops located in Saswad, both the projects have been constructed in a manner such that the project is surrounded by the lush green area that brings more freshness and lively ambience to the homes of these projects.

Other than Ram India Group, there are various other developers in Pune which have established various residential projects in the city. If you are interested in buying a property in Pune, going for a property by the top developers in Pune would be a wise choice as builder’s credibility is also an important point of consideration at the time of buying a property in a city like Pune where the localities are flooded with so many residential projects by so many developers.

Other than this, ensure you have sound knowledge about the real estate industry you buy a property as lack of knowledge about the industry might result in being cheated by some of the inauthentic people who claim to be builders or developers.

Ever wondered your life in the greens?

A hectic life is a complaint of many, yet, we cannot do anything about the work. All we can do is manage some time off the work schedule to spend in a better way to have the fun element alive in our lives.

What if we all had some space to be close to nature to refresh ourselves anytime we needed?

What if there was a space that you could enjoy and yet have all the peace of mind you ever wanted?

What if this space that exposes you to the greenery is right next to your home?

Well… it is all what you get at Dew Drops.

No! Not the dew drops you get to see early morning, but a project by Ram India Group that undoubtedly gives you this heavenly feeling when you watch those dew drops early morning right from your home at the DewDrops.

The project offers personalized living spaces of 1 bhk and 2 bhk  in the serene locations of Saswad in Purandhar district of Pune. Every morning you wake, you must have had this thought of having a home right next to the soothing and refreshing greenery that enlightens your mood to be set for all day. So, now if you have the opportunity to own a home amidst such lush greens in a city like Pune where it is difficult to find a home with such surroundings, would you like it if you miss it?

Well! Nobody would! The project is being nicely designed with excellent ambience in order to create a home with greenery all around and the aroma of freshness diffused in the air. Home owners at Dew 

Drops will be provided with the world class basic amenities and specifications that will ensure a modern living experience along with the energizing environs of the project at all times.

So, there is no choice between having a home amidst the green surroundings and a home with modern fittings and facilities as Dew Drops offers you with the best of both worlds. So, choose either of the two and rejoice the best of both!

Smart Homes for Smart People

Gone are the days when you were relying on conventional way to decorate your home for better ambience.

It’s time for smart homes for smart people…  It’s time for a home in Livogue…

You must be thinking why Livogue?

Livogue because

•  Smartness is now an attribute of a home
•   Each day you cannot do everything manually
•  Comfort is essential for overall well being
•  Happiness is all about life lived in a good way
•  Special Moments are created and not waited for
•  Good Memories exist only when created initially
•  A home is incomplete without smart features

Most of what has been talked in above few points is well understood by you as you do understand that what a typical home looks like and what a smart home could be. But, in case if smart homes are new to you, here is what you need to know about a smart home in Livogue.

Livogue is a brilliantly designed and crafted residential project by the Ram India Group that is located in Malwadi near Magarpatta & Amanora City in Hadapsar. The project looks into the need for smart homes for smart people of today who believe in using technology at its best for their comfort and brings the holistic comfort for the people by paying attention to the minutest of the details to ensure a smart living experience.

If smart homes were only about the world class amenities and specifications such as swimming pools, clubhouse, well equipped gymnasiums, arrangements for table tennis and other indoor games, landscaped garden, etc., then there already exist numerous options for you but, Livogue is something way beyond these basic elements of a modern home. The smart features such as the mood lighting system, keyless door access, DVD records, Wi-Fi connectivity, CCTV recording, LPG leakage detection, panic switch and intercom facility add to the galore of the smart features of the homes at Livogue.

So, if you desire to own a smart home, you know what you can opt to live that lavish lifestyle in sheer opulence. 

Ongoing projects of Ram India Group

At this time when the Pune’s real estate market is witnessing a slowdown due to the reduction in the sales of the projects in the city owing to the rise in prices, there are still some builders and developers like Ram India Group, which are providing the home buyers with multiple options for homes and investments at affordable prices without compromising on quality.

The Ram India Group has some of the ongoing projects that are crafted with precision, constructed with pace and embellished with enticing features. One of the ongoing projects is the Livogue. The project is located in the prominent location of Hadapsar , which is home for many MNCs  in the IT Park. The location also has great connectivity to other places of the city that ensures the people living in this  location stay connected to the city life at all times.

One of the main aspects of this project by Ram India Group is to provide the people with homes that are futuristic. Homes that have smart features which not only make the living experience more smarter and convenient, but also add more charm and elegance to the living space with least clutter and more beauty around.

With an immaculate blend of nature’s beauty and modern technology, these smart and futuristic homes can add that missing touch of classic and dignified living experience of your lifestyle. Having a home is a dream for most of us, but opulence is something is desired by all. Lavish properties that reflect the magnificence in their exteriors and beauty in their exteriors enhance the overall standard of living of the people, Alluring amenities and specifications of international standards are truly a customer’s delight. These include features and facilities such as gymnasium, swimming g pools with massage nozzles, club house with Carrom, table tennis and chess, temple, Wi-Fi connectivity, etc.

All these features in homes in Livogue are excellent to add much more to your comfort at home. So, the home buyers who are hunting high & low for a home that fulfill their requirements of a home, a glance at the project may add to your list of favorites too!

Home buyers! Time to get on your toes..

Buying property is, time and again, perceived to be a hectic, tiring and a mammoth task for the first home buyers. However, with what we have recently got to know, the home buyers will have their half of the problematic issue resolved.

Yes!  The Housing Ministry has approved the recommendation of parliament panel regarding the real estate regulatory bill. You must be thinking what exactly is the real estate regulatory bill. It is a bill that was proposed to appoint a regulatory authority in a state/union territory to audit and supervise the activities and deals in terms of transactions that are taking place in the real estate industry. This monitoring will bring in more transparency and reduce ambiguity in the home buying process for the regulatory authority as well as the home buyers.

So what exactly are the amendments made in this regulatory bill?

According to a source, there are few amendments made in the bill which would protect the small property buyers. It is understood that the parliament’s panel has recommended the housing ministry to cover the housing projects on area below 1000 Sq.m in the proposed  regulatory bill.

If you are confused about what is the objective of this regulatory bill, then read further to know about it.

The bill seeks to appoint/establish a regulatory authority in the real estate so as to regulate and promote the industry and also contribute towards the sale of the real state properties like plots, apartments or buildings  with complete efficiency and transparency and to protect the consumers and end buyers of the real estate sector. The authority shall also cater to the appeals  about the discussions, decisions and orders through the establishment of an appellate tribunal.

However, it is mandatory for the builders and developers to disclose all the details regarding the projects that are registered with the authority. Also, the promoters or agents must not alter the information while selling or promoting the project.

So, all the home buyers out there! Here is something more for you! Bring your dream home closer to reality! Start exploring…

Have you overpaid for your property?

What is the total cost of your property?

Do you know the cost of the various elements and assets you have paid for in your property?

Not of all of them!

If you have not bought a property till now, then this is the time you must know about the fundamentals that can help you reduce the property buying cost when you are searching for your dream property! Here are a few ways you can try to bring down the cost of the property you are about to purchase. Have a look!

Since most of the apartments have car parking, you can request the builder to reduce the cost of parking area.

You could also negotiate with the builder on the floor rise premium and can save a large amount of money with that.

When you find a property in your much desired location, then at times, the builder demands the preferential location charges which you can try to negotiate and get it reduced.

If you have been searching for the right property with the help of a broker, then you can negotiate with the broker to reduce his service charges so as to reduce your expenses in the overall property buying process.

If you have planned to opt for a home loan from the banks, then get the approval from the bank beforehand. Also, choose wisely between the banks that are offering loans at rates of interest  and EMIs that suit your affordability. You can try to negotiate on the bank related charges.

Thus, these are some of the ways which can help you reduce your property cost without compromising on the quality, features and facilities that the builder is offering in the project. So, this time, when you search for a property, get all the details about the construction from the builder and try to negotiate on the cost of the property. Remember, the key to reduction of cost of property is “NEGOTIATION”.

Also, let us know if this helped you in your property buying process to reduce the cost of property. We’ll be happy to hear from you!

Skills count in the process of home buying

Home buying is one of the most critical financial decisions that any first home buyer would take in his/her lifetime. Buying your first property indeed, gets you excited about the entire home buying process as you want it to be a pleasant experience overall. However, going ahead with the property buying process in the absence of consultant can bring in complications in the process. As a home buyer, you will confront a lot of questions and doubts related to the property types and features including amenities, interiors etc. which need to be addressed appropriately in order to make a more informed and confident property buying decision.

This requires skills so as to avoid the mistakes that any first home buyer would make. Starting from the well assisted approach with precisely defined objectives of buying a home to finalizing the budget for the property, the whole process requires the skills in order to streamline the complete process for a smooth, hassle-free property buying. At the beginning, it might appear to you a lot more easy, but, searching for the right property in right budget at right location involves a lot of research and pre-planning.

Considering the instant availability all the information required via internet, nowadays, most of the property search takes place online. But, the information collected on the grounds from realtors that takes into count their years of experience still stands apart and trustworthy. Having a consultant to guide you through the property buying process will not only protect you from falling into various pitfalls, but, will also save you time and money and various other resources involved in the process.

As a new home buyer you might get influenced and even mislead at times, which would result in mistakes that cannot be rectified later. Where as a realtor will work to negotiate keeping in mind your financial interests, helping you buy the right property that fits your budget and has your desired features and amenities in a good locality.

5 Worst Mistakes you Just DON’T want to make!

Imagine you are buying a property or your dream home and you are on the verge of completing the formalities of getting that home registered in your name, but, at the last moment you realize that the dream home that you have almost got registered in your name is beyond what you can afford and you will not be able to stretch you budget till that extent. What will you do?

This is just an example, however, you would not want to risk your earnings or overstretch your budget which would make it really difficult for you to manage later. Many of the first time home buyers often end up making worst mistakes which later prove to be very tough to be corrected or rectified.

Hence, understanding the mindset of the first home buyers, we are enlisting the 5 Worst mistakes that you should avoid making while buying a property.

1. No Market Research: when you begin to search for your dream property it is important that you are well informed about the property trends in a particular locality and the property rates existing there. Hence, you must carry out a proper market research so as to avoid paying more amount than the actual price of the property.
2. Relying on Agents: Agents show you multiple property options to choose from but, thinking that the agents are working for you, then that is where you are making a mistake. Agents work for the builders and hence, will try to sell the property to you anyhow.
3. Having Doubts: Not getting doubts cleared is a big mistake. It is okay to ask as many doubts as you have as the agent or the builder understands the concerns any first home buyer would have. So, find out all the details about the property you want to buy, its actual price, the amenities the builder is offering you, the total built-up area, the carpet area, loading, etc. and get all your doubts cleared.
4. Finding property without financial approval: Buying a property in straight cash is not what we can do. We all plan to get loan to pay the amount for the property. Hence, searching a property before having a financial approval is a mistake that you can avoid by applying and getting approval on the loan. This way you will also be aware of the total amount the financial institutions are ready to give you as loan.
5. Overextending the Budget: sometimes, when we see multiple property options, we compare and choose the best out of the options available and agree to overextend our budget if the property tends to exceed our budget by a wide margin. This is one of the common mistakes that we do. But, we do not realize that in the long run, it gets difficult to rectify this mistake. Hence, choose a property that s close to your budget.

Kinds of Loans against Securities

Previously we had discussed about secured and unsecured loans in India. Today, we shall speak about the loan alternatives that you can opt for in case you possess an asset.

• Loan against Gold: The best thing about gold loan is that the processing is quite quick as compared to other loan processing time. The gold loan is processed depending upon the security you deposit. The rate of interest is directly proportional to the margin of security you deposit. There are no pre-processing charges and not much documentation is involved
• Loan against your Insurance Policies: Some of the insurance policies are eligible to get you a loan. This can be known if you have a surrender value associated with your insurance policy. This is surrender value is available mostly after payment of 3 yearly premiums.  If your insurance policy has surrender value then you are eligible to take loan that is close to 90% of the surrender value.
• Loan against fixed deposit: Like many people you too would have fixed deposits which you would not wish to break in case of an emergency. At such times, you can opt for a loan against fixed deposit. The interest rate charged would be 1-2% higher than the interest earned on your current FD and you can take loan for about 75-80% of the current FD.
• Loan against property: In this type you can opt for a loan against property which could be either residential or commercial. Banks can give loan up to 50% of the market value of the property. Usually this type of loan is opted for large amount of loan.
• Loan against other investments:

1. Shares and Mutual Funds: You can opt for loan against shares and mutual funds too. However, there are only few approved funds and shares that can get loan sanctioned for you. Because of the volatile nature of value of shares and funds, you are likely to be asked for more margin while applying for loan.
2. Public Provident fund: You can also opt for loan on your PPF account. However, you are eligible to opt for loan from the 3rd year to the 6th year and the loan amount will be only 25% of the balance in your PPF account 2 years back.

Kinds Of Loans In India Against Properties

Ram India Group - Pune

India is a growing economy where the majority of the people are looking for properties, either  for  investment purpose or for making a property purchase for residence or both. The nation has caught the attention of many of the international investors who have plans to invest in property in different locations of the country like India.

Many of you would also be willing to buy a property in one of the cities in India but before you go ahead with buying a property in India, you need to have sound knowledge about the loans that the banks are offering and against what asset you can opt for a loan. In this blog we will be discussing about what are the different kinds of loans that you can opt for against various securities and then move on to the alternatives you can opt for loans other than the personal loan in the upcoming blogs.

Have you ever given a thought on what all kinds of loans are available for you in India?

These could be assets which you can mortgage as an existing asset and use to apply loan at a lower interest rate.

Basically, there are two kinds of loans, Secured Loan and Unsecured Loan.

Secured Loan: It is a loan where the loan lender has access to some sort of asset of the borrower which stands as a security for the lender in case the  borrower is unable to repay the loan. The lender in this case can liquidate the security asset and regain the full or partial amount of the loan granted to the borrower as this acts as a sense of security in Secured Loans and hence, the rate of interest is lower on these loans. 

Unsecured Loan:  In this kind of a loan the lender of the loan does not have any access to any of the assets of the borrower and in case the borrower runs away, the lender has no way to regain the loan sanctioned to the borrower and hence, due to this the rate of interest in this kind of loans are higher than that of the secured loans. 

If you are willing to make a property purchase with a real estate firm like Ram India Group in Pune, then you can apply for a home loan anytime after you have decided to acquire or construct a property, even if the property has not been selected or the construction has not commenced. Besides,you can also avail of the loan facility even if you want to renovate or extend your home.

We shall discuss about the different types of loans that you can opt for a home loan in our upcoming blogs. Till then stay tuned.

Read More :- 

1) Impact of increase in Stamp Duty in Maharashtra

2) Top three IT centric locations in Pune you may consider for investment

Impact of increase in Stamp Duty in Maharashtra

Many of us have been making plans of buying a property in a city like Pune for the past few years. However, due to some or the other reasons, could not finalize onto a property. But now that the scenario in the real estate industry in the city and the complete state of Maharashtra in general is not the same as few years back, people who have been showing interest in making a property investment or purchase may now have to dig their pockets for more money for the same property. The State government of Maharashtra has recently imposed a 5% of stamp duty on all the property purchases in the places that fall under municipal boundaries throughout the state.

Stamp Duty

However, this would result in a further rise in the price of the property, the overall effect of only this would not have a huge impact. For an example, if we consider a property worth Rs. 50 Lacs located in within the municipal corporation limits of the city named “ABC”, the total cost would add up by only 0.34% for the one who is buying that property. This would happen if it is properly analysed keeping in mind the rise in stamp duty. Also, a similarly costing property is situated in the municipal council’s limits, it would charge a lesser stamp duty , say 4%, and even lesser, if it is situated in a Gram Panchayat where it would be just 3% or so. If you are a potential buyer and want to buy property in locations that fall in the outskirts of the city, then it would prove to be beneficial for you. These locations in the outskirts of the city would have many projects which are under construction that provide houses in affordable rates and low costs.

However, if you feel this is it to the impact of the increased stamp duty by 5%, then you may be wrong at the moment. As a buyer, you will still have to take into consideration the overall impact of this increase in stamp duty which has been recently proposed to be taxed at a raised rate referring to the measures brought in by the Central Budget. The increase in the service tax for property buying and commercial lease undertakings will also add to the total cost of the property. Hence, when we look at all of these factors, they may surely cause some intensity in the prices of the properties.

Read More:

- Top three IT centric locations in Pune you may consider for investment

- Factors to be considered before opting for a home loan

Top three IT centric locations in Pune you may consider for investment

Pune’s real estate scenario has been witnessing rapid growth and changes owing to the presence of many international and domestic IT companies the lure techies from overseas as well as the young country minds. Ram India Group with over decades of presence in the region has been well known for bringing about developments with an innovative design, quality construction and presence in prime locations. The investors are indeed offered with value for money deals are stand true to customers delight. Apart from residential, the group also takes pride in offering commercial spaces measuring up to 3, 00,000 square feet.

Be it a first time investor or an experienced one, buyers are often faced with the location dilemma when it comes to investments. Some of the top places in Pune that you may consider for investments are –

Baner – Baner has witnessed a steady growth in the real estate prices owing to many international and domestic IT companies sprawling in the vicinity. Until not long ago, Baner had been known to offer homes to the mid-income segment. Lately, it has seen appreciation of about 20-25% as it continues to benefit due to factors such as serenity of location, presence of good social infrastructure, proximity to the Pune-Mumbai Expressway and the thriving IT hub at Hinjewadi. Moreover, its easy accessibility to Central Pune has also boosted its demand.

Pimple Nilakh - Located in the western part of Pune, Pimple Nilakh is indeed a suburb situated in the Pimpri Chinchwad Municipal Corporation’s jurisdiction. Owing to its proximity to Hinjewadi IT hub, the city has emerged among one the fastest-growing locations in Pune. Pimple Nilakh also enjoys good peripheral availability of the social infrastructure as compared to its neighboring areas.

Charoli – The city has been known to cater to the needs of mid-income segment involving professionals from the IT and manufacturing/industrial sectors in Pune. The growth in demand for affordable housing needs has indeed given a new lease of life to Charoli. Moreover, the strategic location of this city offers you easy access to railway station, IT hub at Kalyani Nagar and the airport.

Read More:-

A brief insight into Unnati Heritage by Ram India group

Factors to be considered before opting for a home loan

Ram India Group - Pune

Ram India Landmarks Limited has earned a reputation for itself over distinctive creations in the real estate sector. The group indeed takes pride in announcing completed as well as ongoing projects in several parts of Pune that range from large realty developments to exclusive residential creations. Customer service has always been a priority for the group and each customer is personally attended and assisted right from concept to completion stage. Quality construction, affordable costs and prime locality presence is indeed what lures investors and customers towards properties by Ram India Landmarks Limited.

Some of tips that may be helpful before you opt for a home loan are –

• Do a detailed research - Modern day loans are made quite attractive for the buyers with low interest rates and additional schemes. Therefore it is better to educate yourself about the terms and conditions of each loan agreement so that you are prepared beforehand. Clarify all your doubts regarding the loan scheme before you finalize anything and don’t hesitate to ask questions to the sales person even if you have the smallest difficulty understanding a particular clause.
• Negotiate on interest rate- Yes this is possible! Banks and financial institutions may always state that interest rates are non-negotiable, but yes sometimes they do make slight adjustments to give a best deal to you. Most often this is done once you have finalized the property and need to buy it soon, apart from this, during month end when sales targets are supposed to be achieved you can indeed drive a good deal.
• Check EMI’s thoroughly – Studying EMI’s well in advance is not a bad idea. Calculate it thoroughly setting aside your regular monthly expenses. Once you have calculated all parameters only then decide to opt for a home loan as this would run into quite a long duration. 
• Read the agreement patiently – It is indeed important that you read the fine prints carefully before agreeing and signing upon any document. Do not go by what the sales agent or financer says, as in the end it’s the rules stated on the signed document that would be considered and not that unknown fellow nods his head to. Also, check for additional charges inclusive if any to process you loan application.

A brief insight into Unnati Heritage by Ram India group

Residing in a beautiful home surrounded with natural ambiance is indeed a dream that has been imagined by many but has been a privilege of the few. The Ram India Group offers projects that stunningly designed and are indeed a cut above the rest. The qualities that are hard to miss when you first visit the place are - luxury, style, quality construction, excellent locations, aesthetics and affordability. Every detailing work has been undertaken with perfection to ensure that as a customer, you get a value for money deal.

Unnati Heritage - Ramindia Group

The Unnati Heritage project located in Market Yard locality indeed puts you right in the heart of the city. the place is well connected to other cities as well as it is surrounded by spiritual abodes such as Shatrunjay Teerth, Agam Mandir, lskon Mandir, lush greenery and breathtaking view of the verdant hills surrounding the area . The group has always stood out for excellence and credibility; therefore its developments speak out the best in terms of architecture, luxury, style, comfort, convenience, security. Owing to Verdant hills close proximity, investors would indeed be greeted every morning to the sight of hills in the surrounding areas.

Speaking of amenities the ready possession Unnati Heritage project by Ram India group comes with –

• Intercom facility

• Earthquake Resistant Structure

• Satellite TV connection

• Designer entrance lobby

• Clubhouse with indoor sports

• State of ART Fitness Center

• Garden with children Play Park

• 100% Power back for Lift & Common Area

• 24 × 7 Hi- tech Security

• Internal Tar Roads

• Attractive Entrance gate with Security Cabin

• Anti termite treatment for foundation

• Designer Name Plate with letter Box

• Rainwater harvesting

• Fire Fighting System

• Anti Skid floor tiles have been used in terrace for maximum safety 

• Adequate parking space for two as well as four wheelers in the premises

Sampanna Homes by Ram India offers a unique living experience

Sampanna Homes - Ramindia Group

When it comes to real estate developments in Pune, be it in residential or commercial projects, the Ram India Group indeed stands tall amongst the rest. Be it a customer interested in a commercial project or a residential one, the group has a warm and one-and-all feeling towards all. The group also believes in having a highly professional approach right from its concept stage to its evolution. The group also has strategic tie ups with banks and other financial companies to help investors get a best deal. Also, a dedicated team of experts give out information pertaining to Parking norms, tax types, stamp duty and Registrations etc.

Ram India group’s over 15 years of existence is clearly reflected in Sampanna homes located in Manjari, Hadapsar. The Earthquake Resistant Structure is indeed its biggest unique selling preposition The project offers an affordable luxury home benefits and comes laden with all the modern features such as –

• Broadband connectivity and Internet Facility with Telephone Line

• Lobby sports Designer Entrance feel

• Club House with indoor Games

• Health Club with State of Art Gymnasium & Steam Bath

• 100% Power Back for Lift & Common Area

• Swimming Pool with Separate Splash Pool for Kids

• 24 × 7 Hi-Tech Security

• Internal Tar Roads

• Attractive Entrance Gate with Security Cabin

• Anti Terminate treatment for Foundation

• A designer name plate has been provided with a Letter Box for your convenience

• Rainwater Harvesting, Fire Fighting System are in place. 

• Lift Two Lifts for each Building with V3F Drive has been provided. Lift feature power backup facility & also gets an Intercom

• For added safety Fire-resistant Cables with Concealed Copper Wiring has been provided along with use of modular switches. 

• The bedroom gets Provision for Air Conditioning, Telephone and Satellite TV Connection, 2 way Control for Light and Fan

• Designer Door Locks

• Master Bedroom with Wooden Finish Tiles

An overview into Ram India Group

Unnati Previlege - Ram India Group

Ram India Group has been a popular name amongst real estate developers in the Pune region. The company has been known amongst its peers for delivering distinctive creations. The projects undertaken by the group have indeed been positively contributing to the Pune’s ever-growing skyline projects. The group has been working on projects ranging from commercial to residential   projects in the region.

Sampanna - Ram India Group

The Ram India Group ventured into real estate way back in 1991 and since then the group had no looking back and delivered some of the best designs in their projects. The group has also been known for quality construction, excellent locations, professional service and complete customer delight. Sometime in the year 2000, Ram India Group ventured into Construction and Warehousing Activity along with a string of prestigious projects that took shape, beginning with a 3, 00, 000 sq. ft. warehouse which is rented to reputed companies. Based on concepts of Pace, Passion and perfection, the group’s projects are indeed one of a kind. Guided under visionary leadership values the group has been growing fast ahead with times. The group has about 3 projects that is ready for possession namely – Unnati Heritage, Unnati Privilege and Sampanna Homes.

The Unnati Heritage project is based on the heritage philosophy wherein you acquire, preserve and pass it on to the next generation. Such a precious heritage uplifts your life to heights of new joy. The project offers homes crafted with care, concern and class, to cater to all your comforts and conveniences. Elegant elevation, quality specifications and excellent amenities are the Unnati Home highlights. Unnati Privilege offers stylish 1 & 2 BHK Apartments that have been designed to offer you quality living experience for your family. The homes here are enriched with nature and other lifestyle amenities. The Sampanna Homes comes loaded with modern facilities and security amenities for you and your family.