Showing posts with label carionbilta. Show all posts
Showing posts with label carionbilta. Show all posts

Tuesday, 29 April 2014

Lighting Up Your Living Atmosphere

Ambiance of a room or the place we live on has its own impact on the mood of the human mind. No one wants to work on a tiring work atmosphere. The interiors, the furniture, music, lighting ,everything has to be comfy to get a workable atmosphere. The importance of a well lit interior or a workspace tells a lot about the people and its potential. As one of the pioneer in interior design team in Kerala, Carion Bilta, contain the idea of creating the apt ambiance for your homes. Here we are focusing the limelight towards the interior lighting and the methods.
Ingeneous Bed Rooms

When it comes about lighting ,there are two rules: You should have a mix of light sources at different levels to create a flattering ambiance, and you need appropriate task lighting for whatever you do in that space (reading, sauteing, getting dressed). The key areas in a home are Living Room,Dining Room, Kitchen,Bed room and the Bath room.

In the Living room,light three of the four corners, focusing one of those lights on an object (art, a plant, a striking chair). Use a combination of table lamps and floor lamps, some with a downward glow and some that shine upward. Allow for reading in as many seats as possible with down-glowing lamps on three-way switches. If you have an overhead fixture, put it on a dimmer.

Dining Room, To draw people in, make the table the brightest spot in the room. Use a chandelier or a pendant above the table, limiting the total wattage to 100. Elsewhere in the room, indirect lighting is best—it’s relaxing and flattering. Give the space a subtle glow with a pair of small table lamps on a sideboard or matching sconces on the wall above. Battery-powered votives inside a glass-front china cabinet can be a nice touch.
Sleek Workspaces

In the kitchen , focus on overhead lighting (on a dimmer that you can crank up when cooking), and add lower sources to illuminate work surfaces. Use pendants, under-cabinet lights, or a sturdy table lamp (kept away from the sink).

For your bedroom, aim for a cozy, insular atmosphere: Place reading lamps or sconces by the bed—but not pointed directly at it. If you have recessed or track fixtures, angle them away from the bed, toward the dressing area. On a low table, include a small, intimate lamp with a tinted low-wattage bulb to mimic candlelight.
Ubber Cool  Dining Halls

Bath room,the best choice for applying makeup is sidelights, such as a pair of sconces flanking the mirror. An overhead light helps fill in any shadows on your face and also fully illuminates the room (important when cleaning). In a large space, you might also want a light directly over the shower.

The lighting in a home changes the mood of a room just as it does the perceived size of a room. Placement and type are important aspects of interior design, and they work in conjunction with color selections, room size, availability of natural light and furniture selection. The elements that come together when the right lighting is achieved transform a room into a seamless combination of functionality and style.

Sunday, 26 January 2014

Investing in Flats in Kerala

Over the last few years, Kerala has witnessed a significant boom in the real estate market. The rocketing land prices and the emerging I.T parks are attracting people to invest in residential properties.The growing tourism industry and flow of NRI money have also contributed to the demand for residential properties in Kerala.

Kochi, Trivandrum and Calicut are the three major cities in Kerala which have recorded a substantial appreciation recently. The Info-parks and shopping malls in these cities are attracting more investments.

For instance, ten years before a residential property in Marine Drive, Kochi was available at a cost of INR 10 lakhs, but now the whole situation has changed. The same project cost would exceed crores now. Another interesting fact is that people are investing in residential projects located in the sub-urban local areas of these cities. This is because, they prefer to stay in a peaceful environment; away from the hustle and bustle of the city.


Benaton Centerla Shopping mall, Calicut done by Carionbilta


Right now, investing in residential properties is a wise step as it brings good returns for you in the near future. Most of the people prefer apartments over independent houses as they offer better security and amenities. The choice is up to you- you can either stay there or give it for rent. There is also a rising trend among NRI's to own a flat in Kerala.

Before you decide to buy an apartment, find out the status of the completed projects of various builders. If you are worried about finance, don’t worry; almost every bank in Kerala  has tie-ups with the bigger developers. They offer attractive and affordable deals for prospective home buyers.


A residential project by Carionbilta


Always ensure that you have adequate financial cover before making a commitment. It’s better not to enter into an agreement before you get your loan approved. There are many cases in which people have lost money due to cancellation of loans. Therefore, it is advisable to wait till you receive your sanction letter from the bank. Find out your loan eligibility, repayment and its tenure. For instance, many salaried homebuyers prefer to pay in repayable EMIs that can be spread over a period of 10-20 years. At Carion Bilta, we encourage interested parties to contact us using the form on our website with queries regarding loans and payment schemes on offer.

Here’s a list of the different rates of interest and services offered by some of the leading banks in Kerala:
Bank Name
Floating Interest rate
Per lac EMI
Processing Fee
State Bank Of India
10.10% (for women)

10.15% (for men)
Rs. 972 (for women)

Rs. 975 (for men)
Up to 25 lacs : 0.25% of loan amount minimum Rs.1000/-

25-75 lacs : Rs.3,250/-
75 & above : 5,000/-
ICICI Bank
10.25%
 Rs.982
0.50% of loan amount upto 1 crore
HDFC Ltd
10.25%
 Rs.982
 0.5% or maximum 

 10,000+service tax (12.36
HSBC Bank
 10.75% - 11%
 Rs.1015 - Rs.1032
1% of the loan amount applied for, subject to a minimum of Rs 10000 plus service tax. This fee is payable on application and is not refundable
LIC Housing

Scheme I: 10.25% (Fixed for 2 yrs)(for female applicants) or 10.35% (Fixed for 2 yrs)(for male applicants)

 Scheme II: 11.25% (Fixed for 10 yrs)

Scheme III: 12.25% onwards

Scheme I: Rs.981 (Fixed for 2 yrs) (for female applicants) or Rs.988 (Fixed for 2 yrs) (for male applicants)

 Scheme II: Rs.1049 (Fixed for 10 yrs)

Scheme III: Rs.1118 onwards


Up to 50 lacs : 10,000 +(Service tax)
50 lacs & above : 15,000 +(service tax)
AXIS Bank
10.25% (Upto 25 Lacs), then    10.50%
Rs.982 (Upto 25 Lacs), then Rs.998
0.5% of the loan amount
(Max. 10000/- + service tax for Salaried)
IDBI
 10.25%
Rs.982
Up to 50%of loan amount 
(Rs 2500 to be collected at login and balance at the time of sanction )
Source: deal4loans

Investing in residential projects is considered less risky than other forms of market-related investments. If you invest in a quality builder, you will have no regrets looking back on your purchase. So invest in a residential project in Kerala and save some smiles for your future!