A home loan is one of the best options, to arrange the funds needed for buying a home. Generally, it is easy to avail of a home loan, if the applicant has all the documents in place and has a good credit history. However, banks may still reject a home loan application. Some important reasons for rejection are:
- A bad credit score: Credit score is a significant deciding factor in sanctioning home loan. Make sure you have a good credit score in place before applying for the loan.
- Bad credit history, which may include a loan settlement in the past that is reflected in the credit report.
- The project is not approved by the bank.
- The home loan application, is made for a project that falls in a restricted area.
The Monsoons are setting in or maybe they already have. The heat is gone and romance is in the air. The pakodas are bhuttas are ruling the snacks and tea has never tasted as good as it does now. Monsoons really bring the best of times for all; the farmers, the city dwellers, the kids, those in love, the animals, the birds, the creative and all who walk the earth.
However, the season of romance can also bring some unpleasantries along and if not taken care of, can be a season to remember, for all the negative things that follow.
Here’s a small checklist of things you need to follow to enjoy the season to the fullest:
1) Get all leaks fixed beforehand – windows, roofs, walls and all the areas where water tends to collect and leak around. Look out for leakages around electrical conduits as they can be dangerous.
2) See to it that all the drains are cleaned out to avoid flooding and the clutter that gives rise to water borne diseases.
3) Safeguard your wooden furniture and carpets from getting damp by covering them up.
4) Don’t let water stagnate as it allows mosquitoes to breed.
5) Keep windows closed or latched at all times as they tend to break during rough weather and cause damage to property or people around.
6) Ensure that all the drains, nullahs and manholes are covered up in and around the society.
These are some of the basic things that will ensure that your monsoons remain as pleasant as they are meant to be. A lot more can be added to it but for now, enjoy the rains!
Energy conservation is one of the important concerns worldwide. As a solution, many countries are turning to natural resources that are available in abundance. One such resource is the solar energy. India, a country which has 300 sunny days on average in a year, is also moving towards this less expensive form of energy. Though solar energy is mostly being harnessed on a large scale for commercial use, even homes are now increasingly moving towatds this form of clean energy generation.
When it comes to making eco-friendly changes these are the little ones that really add up to make a difference.
Fans are a basic necessity of every household. Run on electricity, ceiling, wall or table fans are now available in solar-operated forms as well. The solar-run fans can ventilate your home while using a renewable source of energy, thus paying no load to your electricity bills.
Solar water heaters are an alternative to electric water heaters and heating water on gas stoves. While the cost of the product doesn’t differ much from its electric counterpart, the installation cost can be a little more than the usual. However, this is a one-time investment that is made good by savings on energy consumption and monthly electricity bills.
You can use solar chargers to charge your mobile phones, iPods, cell phones and other devices that depend on electricity to operate. These chargers are portable and can be installed at base station or at the rooftop of a home. So, even if there is no electricity, you won’t face the hassle of a low battery in your phone or other device.
Solar inverters are one of the highly-adopted solar appliances by households. These inverters operate on solar energy and provide electricity back-up when there is a power cut. There are three types of solar inverters — standalone inverters, grid-tie inverters and battery back-up inverters.
Solar-run home lighting systems can be a source of reduction in your electricity bill. These operate even when there is no electricity. So, this can be a solution for far-flung areas where there is little or no electricity.