Showing posts with label investing in kerala. Show all posts
Showing posts with label investing in kerala. Show all posts

Tuesday, 17 June 2014

Rain Water Harvesting- The Effective Utilisation of Natural Resourses.


                                                                     We are having  the season of umbrellas and rain coats, season of the wet roads and filled up rivers in kerala. It is our duty to sustain the natural resourses for a better future.There are many ways by which we can preserve our valuable resourses, for example,Solar- panels,Rain water harvest,recyciling etc, here we are talking about harvesting the rains. Rainwater harvesting is the accumulation and deposition of rainwater for reuse before it reaches the aquifer. Uses include water for garden, water for livestock, water for irrigation, and indoor heating for houses etc. In many places the water collected is just redirected to a deep pit with percolation. The harvested water can be used as drinking water as well as for storage and other purpose like irrigation.

Save Each Drop
Advantages 
                                                                      Rainwater harvesting provides an independent water supply during regional water restrictions and in developed countries is often used to supplement the main supply. It provides water when there is a drought, can help mitigate flooding of low-lying areas, and reduces demand on wells which may enable ground water levels to be sustained. It also helps in the availability of potable water as rainwater is substantially free of salinity and other salts.
                                                   

Demographic Significance For Kerala

                                                                      There are good opportunities for Rainwater harvesting in Kerala because Kerala is located in a geographical area with two rainy seasons. Kerala faces severe water scarcity between February and mid May every year. During summer, there are drinking water shortages. During this period drinking water and other water purposes become unavailable. This is expected in the coming years. In spite of 44 rivers and world's largest water well density, per capita surface water and groundwater availability of the State is lower than that of arid States of India. Moreover, Kerala has one of the lowest per capita rainwater availability in the Indian sub-continent and it is still decreasing over the time, even though it receives 3000 mm of rainfall, which is around 3 times the Indian national average. The high variations in spatial and temporal rainfall add to the complexity of problems associated with water management faced by the State.

Basic Layout
Components

A Roof water harvesting system should have the following components:

Down pipe and first flush arrangement
This is an arrangement to prevent the dust and other unwanted materials that may be seen on the roof, from reaching the storage tank. By fitting a down pipe with an end cap or valve can ensure that the washed water from the roof does not reach the storage tank. It is always safe to ensure that the first flush arrangement remains open during non- rainy days and should be closed after first rain up to the satisfaction of the end user.

Filter unit
The rainwater collected from the roof should be allowed to reach the storage tank only through a filtering mechanism. Rubble, sand and charcoal, as used in the traditional three-pot filtration, can be adopted here. 10 cm thick 20mm rubbles, 10 cm thick charcoal/coconut shell, 15 cm thick coarse sand, 5 cm thick 6mm rubbles etc. may be arranged from bottom to top in the filter unit. The water that is passed through this filter should remain safe for a long period of storage. Charcoal/coconut shell is added to eliminate gaseous pollutants.


Storage tank
Mainly three types of storage tanks are constructed for roof water harvesting. They are aboveground, underground or sub surface tanks.

Roof Type

Provision for drawing water and spill over
For drawing water from the storage tanks any method may be adopted provided it shall be drawn only when needed. The easier the method adopted for drawing water, the more will be the chances for its misuse. Three types of drawing water are usually adopted. They are by using a tap (small capacity tanks with basement and over ground tanks), hand pump (under ground tanks) or electric pump sets (large capacity tanks).

We Carion Bilta replenish and reserve all the natural resourses with state of the art building technologies, ensuring a greener and eco friendly world to live on.

for more details visit :CARION BILTA

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!