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.

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!

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!

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!

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