Apartment Renovation Checklist: Fill & Download for Free

Many banks and finance companies provide housing loans for the purchase of houses or apartments, renovation, expansion and maintenance of existing houses.Some banks have separate plans for people buying a second house. Therefore, you should see which bank or home finance company provides the best quotation according to your needs.Therefore, you should be clear about your purpose. According to the Reserve Bank of India (RBI) regulations, there are few important things you need to consider before contacting a bank or home finance company.Eligibility of housing loan -The bank will determine the eligibility of your housing loan based on your repayment ability (depending on monthly income and spouse's income, assets, liabilities, income stability, etc.). Only when your salary is high, your loan amount will be higher and higher. Now you can understand how millionaires get billions of dollars in loans. Banks need to ensure that their money is in the hands of people who can repay the money correctly.EMI- You repay the loan in equal monthly instalments (EMI), including principal and interest. It goes hand-in-hand with tenure. If you choose "cheap EMI", the tenure will be long, and interest will increase, such as the corona box, and vice versa, because of expensive EMI. Thereby Home Loan EMI is the most sorted option.Documents required for family finances- Most banks or family finance companies require KYC documents, payslips, employer ID certificates, and 3-month bank statements. You also need to submit a complete application form and your photo. A checklist will be provided in the loan application form and attached to the application form.Interest rates and surcharges- floating-rate housing loans and fixed-rate housing loans, which are two types of interest rates provided by housing finance companies. As the name suggests, in a fixed-rate housing loan, the interest will be fixed throughout the life of the loan. If it is a variable-rate housing loan, the interest rate may change according to the market interest rate. Look for additional fees, because some banks may offer lower interest rates, but there will be additional fees or hidden fees.

Today i will tell you some trending Android App development ideas.Gift AppThis is the idea of a mobile app that can potentially be in demand among a wide audience of users. Each of us sometimes faces the need to choose a gift for our loved ones, but it is not always easy to come up with a good idea at once. This kind of product should help you solve this problem.Essentially, the service offers you to specify certain parameters (age, gender, event (for instance, birthday or wedding), and then, the app generates a list of gift ideas based on these parameters. You can monetize this product, using affiliate programs or cooperating directly with advertisersLearning the Language in ContextThe best way to learn a foreign language is to get fully immersed in the specific language environment. Moreover, when you learn words in context, you will memorize them much better. This is the essence of the idea for ​​this app, which I decided to include on our list.You can develop a startup allowing the user to enter a specific word into an app and get a list of short text, audio, and video materials in which this word is used.As a useful additional option, you can add the possibility to filter the content by the student’s level: from beginner to advanced.Public CarsharingCarsharing is a form of temporary car rental (several hours or days), which is currently gaining popularity in many countries all over the world, especially in large cities.However, you can think of another approach to implement this idea, say by launching a startup allowing people to rent a car not from car rental companies but directly from car owners.Niche Advert BoardIn this area, every country already has a couple of major players controlling the market. However, one can always stand out by focusing on a specific activity. For example, you can develop an advert board for:workers engaged in apartment renovation projects;photographers and videographers;adverts on special equipment (excavators, bulldozers, etc.) rental.Our hint: visit a large advertising service and learn about the popularity of certain industries. This way you can find the most promising niche for your app.Thematic ChecklistsThe essence of any checklist is to create a list of specific steps necessary to complete a task. The idea for ​​this mobile app is to allow the creation of thematic checklists to a common database and use other people’s premade checklists. This product could be useful to many people.Virtual Landscape DesignActually, this idea for ​​a mobile app is similar to the interior design product mentioned at the beginning of this article. However, instead of apartment rooms, we can visualize the environment around houses based on available photos.Recipes by IngredientsYou can make an app offering you culinary recipes based on a list of products you specify. As an advanced feature, you can add the possibility to set a calorie restriction.A simple parsing of popular culinary websites could help you integrate thousands of recipes into the application database. Users get a general list and then familiarize themselves with the recipe in more detail on the source website.Search for Objects by PhotoPoint your camera at an object you like or download its photo from the Internet (for example, from Instagram), click the search button, and get a list of online stores where you can buy it. It’s a perfect idea for a startup, isn’t it?How Much Does Your Time Cost?This is a rather simple idea for ​​a mobile app, which, at the same time, has huge potential for gaining popularity. The idea is to develop a calculator that shows you the time you have to work to afford a certain object based on your income data.As additional features, you can integrate the possibilities of switching between currencies, to include tax liabilities, etc…

I've bought (and sold) a lot of homes (my mother says I buy homes like others buy shoes), and these are tips that have worked for me.Buy a home you can easily afford. A lot of people buy homes at the top of their range, and that's a huge mistake for most...never be a paycheck away from foreclosure or struggling.Find a house with bad aesthetics and fantastic "bones." Buy the house that looks decent on the outside but has internal superficial ugliness - gross paint, carpets, etc.. As long as the major systems are fantastic (plumbing, electrical, roofing, etc..), superficial things can be fixed and will add instant value.Buy the crappiest house in the nicest neighborhood you can. It will always sell for more than what you paid for it, if you put in some elbow grease.Get an amazing home inspector, and follow him/her around with a clipboard asking questions and writing down every little problem. Use it for negotiations, and later as a personal checklist of things to take care of.Be sure to get a "fixed" interest rate with your mortgage...and have great credit. No matter what happens in the market, you'll be grateful.Know your market. Go to Zillow and see what houses have sold for in your area, before making an offer...know how competitive the market is, so you know how competitively to bid - how long do homes stay on the market? I've offered prices $100K less than ask and gotten homes, but also gotten homes by offering the asking price.Look at the crime map for your area. There are beautiful cheap homes out there in neighborhoods you'd never want to live in. Don't be suckered in.Don't ever buy anything with an HOA. (additional fee for living there) - you can never get rid of it, it can go up, and you can never truly pay off your property.Think of additional income streams. Does it have an in-law apartment or space you could rent out or use for Air BnB? Could you rent out a room or two if you were in a jam?Have enough money down that you will not be paying PMI (mortgage insurance)...this can be hundreds a month that doesn't even go toward your balance. Your payment per month will be far lower.Renovate...this is not HGTV. If you buy something completely finished, you are likely wasting a ton of money, and overpaying. You can usually have everything you want for a price you can afford if you're willing to do the back end of it.Have a list of things that are "must-haves," things "that would be a +1 but wouldn't be dealbreakers." Know that going in.Don't be "wowed" or turned off by the appearance going in. They hire professional staging companies for a reason...to make the house more appealing. They also have trouble sometimes selling great homes because hoarders or messy people live there. Look beyond the grit, or beyond the flash.Think about maintenance. A place with a huge backyard might *seem* awesome...until you are mowing all day every Saturday just to keep up. Things to consider - long driveways (plowing in winter), big back yards (mowing/trimming), etc...These are just a few tips for a newb, but a lot of things come from experience also. If you have a friend in real estate, or know an experienced investor - take them with you when looking for homes - they'll often point out things you wouldn't have seen otherwise.