How to proceed for Home Loan before purchasing a flat in Zirakpur

For a first time home buyer buying a new home can be both thrilling and nerve wrecking at the same time. The new buyers are also in difficult situation as they don’t know what to expect out the deal. There is a steep learning curve associated with first time home buying and a buyer should do the necessary homework before starting a search for a new home. Some of the essential tips which must be followed before buying a new flat in zirakpur are described below.

1. Evaluate your credit

When buying a new home most people prefer to opt for a home loan. Most banks disburse loans based on the credit score history of an individual. So it becomes extremely important to maintain a good credit score. Or else before you start your home search you can ask the bank for a home loan quote where the bank will verify the credit history and grant the loan based on the eligibility. You can also apply for a joint loan where the limit of loan will increase when you co apply for the loan and you can also save money on your new apartment. 

2. Evaluate your assets and liabilities

Before heading for a new home search make sure to factor in your liabilities and assets. This is crucial to ensure that you don’t have any previous running home loans emi. You should also factor in the expenses you have to shell out on monthly basis. It is essential to apply for a home loan keeping in mind that your expenses are well managed and you can shell out money for additional emi’s. Understanding your position on monthly cash flow and outgoing cash will help you in better managing your finances.

3. Keep all the documents ready

When applying for a home loan you must be ready with all the required and essential documents. You home loan application depends on the credit history as well as the right documentation. The loan application is as such if a document is missing then you have re-apply for home loan which will take a lot of your time and can delay the dream of buying a new home. Whereas by pre checking the documents your can save your money and time. 

4. Figure out the down payment and EMI

Even if you are taking a home loan there is a component of money which must be given from the buyer side, as most banks provide only eighty to eighty five percent loan on the final price. There are also various small last time expenses which are not included in this loan amount which should also be included in the overall cost of the apartment.

These are some of the tips which can be used to make your home buying process easier and trouble free.

How these plants can help clean air in your house?

Have you ever considered that your home is a residing place for not only you but many harmful chemicals too such as carbon monoxide, benzene and formaldehyde. These chemicals when present in high levels are the main cause of allergic reactions and asthma attacks. Some of these chemicals are also linked to cause of cancer in humans which is a serious concern. There are a variety of household products which are known to emit such hazardous chemicals. Some of these are sealants, furniture finishes, household furniture and even air fresheners.

Since most of the household products emit these chemicals, replacing every one of these products from your house in zirakpur not a viable solution. But you can minimize them with some useful tips. A sheer number of household products which emit these compounds are as such that they  have become an important part of every house. The simple and easy solution which we were talking about to reduce the negative impact of these compounds by reducing the percentage of them overall is adding a few plants to your home.

NASA scientists have discovered many plants which are useful in reducing the percentage of these harmful chemicals and purify the air to provide a cleaner and much safer environment in your home.

1. Boston Fern

Boston Ferns removes chemicals such as benzene and xylene from the indoor atmosphere. These two components are formed when gasoline is burned in the vehicle. The exhaust gases include many harmful chemicals and benzene and xylene forms a part of it. The other chemical which boston ferns regulate to bring down its percentage it formaldehyde. Boston Ferns is a demanding plant as daily care needs to be provided to this plant in form of watering or daily spraying of the leaves with fresh water.

2. Palm Trees

Opposite to Boston ferns, palm trees are known to remove formaldehyde from your indoor air and they also don’t need extensive care. There are many varieties of palm plants which are almost similar in appearance to palm trees but are easy to take care of. Some of these plants are Lady palm, areca palm, parlor palm and bamboo palm. They don’t often demand extensive care but these plants prefer temperature which is in the range of 0 to 32°C.

3. Janet Craigs Plant

Native to tropical Africa, Janet Craigs Plants are on top of the list as a formaldehyde removal agents. These plants needs very less care compared to Boston Ferns and are most suitable for indoor office environments where most of the furniture consists of particleboard's joined together with the help of glues whose main component is formaldehyde. 

4. English Ivy

English Ivy is also an effective formaldehyde remover. The vines of English Ivy are known as superb climbers and can cling to any surface be it walls, windows or any wire too. As the maintenance of these plants is also not too extensive you can forget worrying about maintenance part too. Although occasional misting and watering will make it look healthy and presentable too.

These are some of various plants which were included in the case study by NASA to remove the harmful chemicals inside your home. These plants are effective at removing the harmful elements and provide cleaner air with better indoor air quality in your home overall.