Monday, 17 April 2017

Immovable Properties




Tips on purchase of immovable property:

A person requiring, selecting and investing money in purchase of an immovable property either for his self-occupation as House or for investment purpose or both, has to look into various aspects involved in the purchase of an immovable property.

Location:

· Civic amenities like park, school, police station, temples, community hall, hospitals, auditorium, should be available in that locality.

 · Better road facilities will save more time to reach the place of work in time, though the location of the residence is far off.

· Generally, persons prefer to spend more time in their residences for rest, sleep and family interactions after their work. The location for the residential house should be free from air pollution and noise. Good environments including natural light and good ventilation will be an added advantage for health point of view.

· The residential area should not be located on the main roads, high-ways, heavy traffic flow. It should not be near the area of high tension wire. It should be preferably away from the railway line to avoid noise, away from burial ground, graveyard, or burning ghat or cremation centre. Besides, the location should not be in any low lying area to avoid water logging and inundation of water in case of torrential of water in case of torrential rains etc. also, it should be away from the lake, water tank, drainage and sewage water storing areas.

· The land should not be filled up clay soil and not prone to land-sliding. Availability of water supply, power supply, ground water and sanitary line should be ensured.

· Added to that; area inhabited by decent, educated and cultured people would be gifted advantage.

Vaastu Aspects:

Belief in Vaastu concept varies from person to person. Better select an immovable property as per the Vaastu Shastra. This may yield good resale value, if decided later. Equally important is the selection of a rectangle or square site and direction wise, better to select North and East, as generally people do so.

Financial Aspects:

In the sky-rocketing real estate price both in urban and suburban areas and mushroom growth of apartment culture in and around Cities, being sold at exorbitant price, nowadays, a person may not afford to purchase a good property at a reasonable rate. It is always advisable to select a property to suit their budget, otherwise they have to face a lot of problems and their income will go to repayment of the principal and the interest only. Nowadays, Bank finance/loan is easily available for long term i.e., 15 to 20 years subject to fulfilling their terms and conditions. Instead of purchasing 30 x 40’ site with Ground + 2 upper floors, a person can purchase 60 ‘ x 40’ site and construct only ground floor with further provisions to construct additional floors suiting to their requirement and budget at later stage.

Instead of purchasing an immovable property in an isolated area, it is better to select it an area having good road facility and public transport system which would be convenient for up and own traveling to work’s spot and back home and also helpful for the school going children. If you purchase a property in an isolated area, it is dangerous to lead life.

Legal Requirements:

Buying a property with complicated title is like ‘paying the money and buying a headache’. Anybody offers a property at a cheaper rate than a market value, you should be very careful. Generally, the Owner of Property with complicated title, either himself or through his Agents/brokers pesters to buy his property at a cheaper rate at short notice. It is not advisable to purchase any property in a hurried manner. It is always better to subject all the documents shown to rigorous scrutiny, verification and seeking Expert’s opinion to ensure marketable title of the immovable property. In the process, proper and reasonable time need to be given for Legal Scrutiny and opinion. Upon such advices by Advocates, further efforts should be made to verify various records in the concerned Government Departments.

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Thursday, 13 April 2017

Optimum use by dividing larger rooms

           

An unwieldly large, living space could be aesthetically, innovatively and unobtrusively partitioned for varied uses that individual rooms could have offered.

At times, people are perplexed over what to do with the large room in their house. The spacious facility there should be utilized to a varied and maximum usage. A spontaneous idea emerging out is to put up a temporary partition in the middle, so as to split the room into two. This simple solution with numerous artistic variations and creative diversities, but all with the common accomplishment of putting up a partition will lend the most elegant and contemporary touch to the entire milieu.

An easy way to demarcate spaces in a large room would be to simply make use of the available furniture itself. If a living-cum-dining room is already in existence, the living room furniture could be used to define the living room space – The sofa set could just be placed in such a manner that its back faces the dining room. A storage unit is a very popular method of dividing a large space. A unit that has open spaces and which can be used from both sides will be very ideal. To uplift and enhance lights could be added. Storage units are a very clear way of demarcating space and since they come in different dimensions and one can buy one that is most ideal and suited for the available space.

Since historical times, screens have been used to create private spaces and now-a-days enormous variety of screens are available in stores and suiting every level of budget. Some of the attractive and beautiful options can be selected from hand painted screens made of canvas fabric, silk and jute. These varieties come with added beauty of getting aborned with sequins and embroidery. Another method of creating the notion of partition is by suspending items from the ceiling. Odd items like bells, beads, metal strips and shells could be suspended in a string, which will form an aesthetic curtain.

Some create a division in larger rooms by using or placing unusual objects. A couple were using a four-foot canoe in their living room. This serves two purposes. The curiosity it arouses becomes the interesting topic of conversation with those who converge there and simultaneously it is, effective in its function too. For persons who like plants, placing them inside can create a pleasant, refreshing and bringing-in-nature ambience. Adding a stray collection of pebbles, proper lighting and setting of candles, will certainly transform the somber ambience into a small oasis of greenery quite in the middle of the living room.

Use of glass for forming partition is a modern option. Pebbled partition could be tried where pebbles are placed between two sheets of glass. Even going in for a low wall or ledge and growing plants over that would be an alluring alternative. Glasses could also be used in the form of blocks and stain glass is also good for this purpose. The additional advantage in using glass is that is gives an illusion of space.

If the interior already possesses and reflects ethnic décor then clay blocks or red bricks can be artistically used for separating the room for varied uses. But whatever the method one chooses to create a temporary partition, it should be ensured that one is able to see bits of the other room, rather than blocking it from view completely. This sort of partitions reflecting both transparency and translucency, creates a feeling of space and allows the commingling of different elements of nature into one organic blend.

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Wednesday, 12 April 2017

ABOUT A SALE DEED




                      

Sale Deed is also known as conveyance deed. This is the document by which the seller transfers his right to the purchaser, who, in turn, acquires an absolute ownership of the property. This document is executed subsequent to the execution of the sale agreement and after compliance of various terms and conditions detailed in the sale agreement.

Before the execution of the sale deed the title of the seller is to be established beyond doubt. Copies of the documents of title must be scrutinized by an advocate, well versed and experienced in property dealings.

If there is any encumbrance on the property, such encumbrance is to be cleared by the seller at his cost.

All statutory payments like property tax, water and power charges and any other payments due on the property should be cleared before the execution of the Sale Deed. Any previous charges or mortgage should be clear before execution of the Sale Deed.

Clearances, and permissions required to be obtained by the seller should be obtained prior to execution of the sale deed.

Latest encumbrance certificate of the property, subsequent to the date of the sale agreement up to the proximate date of sale deed should be obtained, and such certificate should be of nil encumbrance.

All the persons having interest in the property should be made parties to the deed. Particular attention needs to be paid in case of purchase of properties from a Limited Company, Partnership Firm, Hindu Undivided Family, Trust, Power of Attorney Holder and Minor.

Draft Sale Deed

A draft Sale Deed, containing full details of the parties, advance amount paid, mode of balance amount payable, receipt of the balance amount by the seller, handing over the original documents of the property, handing over the possession of the property, handing over the authorization letter to transfer power and water meters, signing of the application for transfer of khatha, title of the seller of the property, indemnifying the purchaser in case of defect in the title, easement rights, will be prepared by the purchaser’s advocate. Such draft Sale Deed should be captioned as draft Sale Deed and shall be signed by the purchaser’s advocate.

A copy of the draft Sale Deed will be given to the seller for his approval. The seller and his advocate will verify the draft sale deed and approve it, or may suggest suitable deletions, additions or amendments. The purpose is to bring forth the correct intention of the parties to the Sale Deed.

On approval of the draft Sale Deed, the same has to be prepared on a quality or a document paper. In Karnataka it may be prepared on good quality paper like bond paper or green paper and the stamp duty may be paid by way of demand draft or pay order or cash. The exact amount of stamp duty should be ascertained from the Sub Registrar office. Purchaser is liable to pay the Stamp duty as per value stated in the documents or as per the Sub- Registrar office value whichever is higher.

Execution
After the Sale Deed is prepared all the parties to the deed shall execute it by affixing full signatures. Each page should be signed by all the sellers. Any overwriting, cancellations, erasures and additions have to be authenticated by full signatures of the parties.

The execution of the Sale Deed requires to be witnessed by two witnesses. The witnesses shall give their full particulars and addresses.

Sale Deed of immovable property of value more than Rupees one hundred needs compulsory registration. The duly executed sale deed should be presented at the jurisdictional sub-registrar office. All the parties, including the confirmation witnesses shall be present at the time of registration and admit the execution. Purchaser also has to be presented for the execution of the documents at the Sub Registrars office. In case the purchaser is not in position to be present before Sub Registrar, he can give Power of Attorney to any of his persons to sign and present the documents on his behalf. In case seller signs the Sale Deed, it is compulsory that through the registered Power of Attorney holder only can represent for him to present the documents before the Sub-Registrar.

Registration

In Karnataka, the Sub-Registrars office, take the photos of purchaser, vendors, witness and also their thumb impressions and print the same on the Sale Deed.

The vendors has to produce all the original documents pertaining to the property to the purchaser. If the property is divided into one or more portions, the seller has to give certified copy or Xerox copy of the documents to the purchaser and has to give declaration to that effect. Generally, the larger portion holder should get the original documents.

There is a time limit for presenting the documents for registration. The time limit is four months from the date of execution. Thereafter a grace period of another four months is allowed on payment of penalty. The maximum penalty is ten times of registration charges.

At times, the registering authorities may dispute the stamp duty paid. In such cases, the purchaser has an option of paying the additional stamp duty by way of cash or payorder. The purchaser may contest it in which case the Sub Registrar will do the pending registrations and send it to the Registrar of Under Valuation to arrive at proper Stamp Duty.

Parties have to quote their Income Tax Permanent Account Number in case the transactions are done in cash for the property which values more than Rs 5,00,000. Parties, who have not yet been allotted Permanent Account Number, will have to file Form No.60 or Form No. 61 in case of Agriculturists.

The purchaser’s advocate has to take all precautions while preparing Sale Deed. It is a most important document and decides the fate of the purchaser. The purchaser has to preserve the Sale Deed very safely.

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Tuesday, 11 April 2017

Ventilation at Homes








Though all the five Elements of Nature are essential for the life of all living being on earth, air is without dispute the prime among them. And within the house, we need proper ventilation for a salubrious atmosphere and healthy living. For getting the welcome cool breeze inside the house, it is imperative that the air should be able to flow around the house freely. It is a proven fact that on the windward side the air blows with some force or energy so that it not only enters the house but also absorbs and carries the heat to the outside on the leeward side of the building. To facilitate easy flow of air, we should have lots of open space in the way of its entry and some space on the other side for its easy exit as well. But the availability of more space in an urban context can be just about 10 feet and in a metropolitan city like Bangalore, even 5 feet will ensure quite a bit of natural ventilation.

A big house should mean that we have open space around the house, especially on the windward side. It will be better and beneficial to plan houses in such a way that the open space around the house becomes part of the house, and extend the house outward visually so that we can feel the house getting extended to the open space.

The sensible way to get this done is by taking the outside inside by bringing the open space inside and make it part and parcel of the house. If we build from one end of the site to the other, covering more or less completely, then we are sure to feel cramped and ultimately suffer from lack of light and air. As far as light is concerned, the natural light can be compensated to a certain extent, by artificial lighting, but not the natural ventilation. A fan just churns the same stale air. The air conditioners merely cool the air, recirculating a part of the used and exhaled air to reduce the load on the system.

It is the nature of air to blow from an area of higher pressure to that of lower pressure. On the windward side the air pressure is higher, on the leeward side the pressure is proportionately lower. Therefore to facilitate this we need to keep bigger windows on the windward side and even small windows will do on the leeward side to exhaust the warm and stale air. 

Wind will have positive pressure on the south and west during the summer monsoon months and similarly there will be negative air pressure on the north and east during this season. We feel the flow of air only when it passes by our body as a stream. But it flows rather slowly most of the time, even if we do not exactly feel it. The reason for this is the pressure differential between the two sides of a building, either adjacent or opposite sides. Even this slow movement of wind brings many air changes per hour and provide the much needed relief from heat.

Air Circulation

Even when there is absolutely no air movement, or the condition which people normally call a 'still air ' conditioner, there certainly will be air exchanges happening. In this case there will be gaseous movement due to air diffusion, which is nothing but gaseous exchange from a higher level of concentration to lower level. Generally carbon monoxide, carbon dioxide, body odour, cigarette smoke etc., which is being generated inside the house will be exchanged to the fresh air from outside, carrying in the much needed oxygen to the inside. This exchange goes on in a passive way and even for this to happen we need sufficiently big windows to the outside.

Trees are always helpful in directing and cooling the breeze into the house. Trees with a large canopy not only cool the house, but also guide the breeze inside the house through the windows, likewise, shrubs and bushes could be strategically planted to guide useful breeze to the inside of the house and filter hot rays of sun.

Facing the Wind:

Nowadays, it is a common occurrence to see the houses being constructed so close to each other that we cannot expect fresh air from our neighbour's site. One can depend only on the open space that is there around the house to allow fresh air to come inside. For this to happen, we need to keep more open space on the side from where we want the summer cool breeze to enter the house. This can be accomplished by keeping more open space on the south and west. The south side open space is more useful because the sun will be at high angle on this side and it is easy to control the sun by providing minimum projections. Even though we get a good breeze from the west too, because of the low angle of the sun from this direction in the afternoon, it is comparatively difficult to control sunlight penetrating the house.

However, we can keep large projections like portico and pergola covered gardens in the open space on the west and filter the sun light to a maximum possible extent, while allowing easy access to summer freeze.

We have very little control over the open spaces around only site. For this specific reason, it is all the more important to leave sufficient open space around the building within our site since every inch of space cost multiples of hundreds of rupees in urban areas, we have to leave it where it really adds to the quality of living in the house and most importantly, open space has to be left taking into consideration the summer wind directions.

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Sunday, 5 February 2017

Timeless Decor





The world everywhere is gaining a cosmopolitan outlook. An intellectual activity of human beings and their aesthetic outlooks both has got transformed enormously during the present decade. While looking our for the latest and most modern themes, sensible minds yearn after the old and golden styles for incorporating into their home décor. Functionality get mingled with tradition in all the facts if home life, filling in spaces, furnitures, fabrics lighting painting and all aspects.

Look Traditional

Visualise your home in modern décor, and what comes to the mind is an unconventional style. Contemporary styles are all about moving away from traditional designs and incorporating new elements like metal and glass. Even the colour scheme are different from the usual, and is the lighting arrangement. Even the furniture forms an important part of the décor. Rather than wood, they now involve metals and synthetic fibres and are light-weight and sleek in design. Ergonomically designed cushion seats, which provide greater comfort, are the norm when it comes to modern rooms.

If you like your home to exude the traditional character and keep up with the times, then opt for décor elements which can easily blend in within this space.

Here's how you can go about it:

Plan Around A Theme

Planning to decorate your inner spaces around a theme helps you visualise the final setup. If you would rather like a setup. If you would rather like a desert theme you can make your interiors look like a potpourri of colours and textures. From patchwork to mirrors and huge fabric murals on the walls-decorate your home in rich Rajasthani style.

Use of jharokas inside the home will add interest. The furniture can be in metal or wrought-iron and you can have a large Dhokra (metal casting) work of art as the centerpiece. Dhokra is by artisans from chattisgarh. Various metal hangings and Worli art pieces can adorn your inner space.

Colour and Texture

Paint the walls in the mid-tone range. Once you have found the range, work combinations of wall colours which blend into one another in a manner that minimizes distinguishable transition lines. Room changes should be subtle as well. Let colour flow through the home. Generally, use the lighter tones on your walls. Introduce slightly deeper hues in your choice of window covering and upholstery fabric. Deepen the hue ever so slightly again when choosing accessory fabric and floor coverings.

Fabrics

Fabrics should reflect the vibrancy of traditional textures, but shouldn't be coarse and too shiny. Commonly used fabrics are silks, cotton, khadi silk, jute, and satin with faintly detailed patterns all over. Cushions that are embroidered, or decorated with beads and mirrors in fabrics such as tussar silk, khadi silk, satin, and cotton give a luxurious look to the bed and add an ethnic touch. Placing rich luscious rugs on the floor adds softness. Indian decorative rugs, unlike carpets, do not gather dust and can be washed easily. However, if you have marble and decorative tiles which you do not want to cover, then opt for the smaller sizes to add an element of visual interest.

Lighting

Lighting must be direct and classic. Lamps with plain shades, sconce lighting, and lights to highlight wall murals can be added. Hanging handmade lampshades in thick handloom fabric with thread and mirror embroidery and sequin work form Orissa, will look lovely and colourful, especially at night when the lights throw flecks of multihued light all around.

Accessorising the Traditional Way

Strike a distinguishable balance by using objects in pairs. A pair of brass lamps, a matched set of framed prints, etc. Handmade puppets can be suspended from the walls. Patchwork wall hangings, Madhubani paintings, Batik paintings, Patachitra, miniature paintings will add colour.

Stylish yet minimalist in character defines contemporary interior design trends. Contemporary décor emphasises the need for simplicity, while the traditional theme enhances spaces with warmth and colour. Blend in both these styles to make your living space stylish and comfortable.

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Thursday, 2 February 2017

Thematic Interiors



When a single and specific theme or concept emphasizes the interiors of a home, they turn to become thematic interiors. There are different elements used in the process of decorating thematic interiors, and each one of the elements essentially helps in the form and function of the desired theme to create an uninterrupted conceptual flow. The Theme could either be consistent for the entire house or could vary from room to room.

If one single concept could be the common theme for the entire house, it could look monotonous and repetitive, So to avoid that, it is usually recommended that one opts for different themes for different rooms based on comfort and convenience. For instance, one can select a rustic theme for the living room or the bed rooms, but have a modular kitchen and bathrooms with vitrified tiles because of their functionality and ease of maintenance.

Living Room

The Living room in a house is considered to be a formal area where one entertains the guests. Therefore it is natural that the guests could gauge the concerted and complete personality of the entire house just by observing the theme used for decorating the Living room. Depending upon the personal likes and individual tastes of the occupants, the themes used at the Living room could be Local, English or American.

For instance, if an ethnic Indian theme is wished to be highlighted, then accessories like brass inlaid solid teak or rosewood furniture, low divan style seating and bamboo chics instead of curtains could all be incorporated. The ambience could be further accentuated by placing electric lanterns, hookahs, jhoolas, urulis or even real life bullock carts if space permits as design elements in the room. The colour scheme here would most definitely be earthly greens, maroons, browns and mustards. Extra show pieces showing apt luxury would be bright coloured mirror works, throw cushions, or chics in pochampalli patterns. To consummate the ethnic look in total, one can even get mud cladding done of walls, with matchstick drawings. 

If an English cottage theme is wished for, one can go for white or natural rattan furniture interspersed with plenty of wrought iron and clear glass, with frilled floral curtains. The colour scheme here could be checked patterns in royal blue and yellow, with wooden flooring in white cedar, oak or pine. Plenty of fresh flowers in pristine white porcelain vases, and a curio shelf with small objects of décor would complete the cottage theme.

Dining Room

Since apartments usually come with a living-cum-dining concept, in most of the modern day houses the dining area is an extension of the Living room. The theme and the colour scheme used in the Living room can hence be extended to the dining space as well. 

So if one has an ethnic theme, one could go in for a solid hardwood six-seater or an eight-seater dining table and chairs with intricate inlay work. Or alternately a very low dining table can be tried using chowkies or wicker mats instead of chairs.

Master and Guest Bedrooms

Of all rooms, the bedroom will be the coziest and private of the places. The primary importance is given to comfort. Whatever be the theme, this aspect has to be considered. If the Moulin Rouge theme is liked and wanted to be highlighted, then the bedroom could be done up in fuchsia pink bedspreads with matching sheer or lace valances as window treatments. Even one could go in for a four-poster brass or wrought iron cot and it could be upholstered with a canopy and lace curtains. To complete a romantic picture, soft rugs, lots of throw cushions and soft lighting could be added. 

Children's Bedroom

It will be comparatively easier to find themes for children's bedrooms. The available space is the main yardstick for following and experimenting with any theme. The fuse of bright colours is always recommended for the healthy and overall mental growth of a child. One can play around with a variety of themes like an aqua theme, a jungle theme, a sky theme, or a space age theme.

If an aqua theme is intended to be installed, one can create the illusion of an underwater world through the use of green and blue colours, colourful cut-outs of aquatic animals, carpet like a seabed and a bed that resembles a ship, wall to wall posters of the sea, ships or the shore, lamps made out of sea shells and conches, and an actual illuminated aquarium can add the required special effects and also heighten the aqua theme.

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Wednesday, 1 February 2017

Gardens at Interiors


   


Green Plants, wherever they grow, are not only visually pleasing and mentally soothing, but also help in unfolding freshness and spreading pure air all the time. These could be brought to the interiors also in the form of miniature gardens. These living corners at home look like miniature

gardens, green jewels or emeralds. Miniature gardens could make for green spots in both outdoor and interior spaces.

In a miniature garden, a group of plants are grown together creating a special landscape. It. is grown in a container that can range from a shallow tray to a rubber lyre. The uniqueness of this garden is that an entire spectrum of plants and blossoms could be had on the table top if required. The choice of plants depends on the theme to be projected. This refreshing concept is normally employed to create Interest within an existing garden, terrace or balcony. All the main features of a garden are present in this novel idea that can ornaments. Miniature gardens are not the same as either of the terrariums or individually different from the other.

Design

A miniature garden looks deceptively simple. In addition to the selection of plants, the most crucial aspect is placing them in the right manner which makes all the difference. If planning to set it on a table or in the centre of a lawn or garden, the viewing angle is 360 degrees. Therefore, the plants should be placed in such a manner that the viewing pleasure is pretty much uniform from any direction. If the location is in a corner or against a wall, the viewing pleasure must be optimized for an excellent frontal view. The below eye level setup must have appropriate landscaping with ground cover getting more prominence. It will be better to make a few rough sketches before deciding on the design. Next the concept of the theme could be decided. A theme will make the selection of plants and accessories easier. Microclimates can be created in this garden by having shady plants growing in the shelter of tall plants. The themes can range from magical to abstract. Creation of stony pathways or grassy mounds could be formed. A herb-filled miniature garden will be lovely for the kitchen's window box.

Base

The bane of the miniature garden can be as exotic or creative as per individual liking, A flat iron or cement tray is a good choice to create a landscape that has more ground cover than foliage. A basket or a big plastic bowl can take in sweeping foliage. A choice of slightly bigger plants needs comparatively bigger stone .sink. For an eye-level view, one of the available cement birdbaths will be a perfect selection. Odd and unusual receptacles which are easy to move around could be thought of. An iron bucket, a wheelbarrow, or any such garden relic that has been discarded to the comers can be reclaimed for this purpose. The base must be filled with a mixture that is usually used for potted plants.

Plants

Selection of plants for a miniature garden is an extremely difficult preposition than for the usual garden. Plants can either make or mar this kind of garden. As with any garden, some plants arc chosen for ground cover, some for foliage and some for colour. The miniature variety is hard to find. From what is commonly available, green moss, clovers, miniature variety of ixora, ferns like maiden hair and birds next, and certain succulents like agave stricta nana and crassula or the jade necklace are suitable. Foliage is taken care of by having baby's tears, kennilworth or thyme. Ground cover can be laid with moss, ivy, wheat germ grass or corsican mint depending on the topography. Blooms like Pratia bring in colour.

Accessories 

After the designing part is done and selection of plants is over, it is time to lake stock of accessories for visual appeal. But nothing has to be unnecessarily filled in a miniature garden. Pebbles, seashells, and geodes are good to create a pleasant ambience.

Unusually shaped rocks can be covered with ivy. Cocktail umbrellas and satay sticks are also useful. One good source for accessories is aquarium shops where miniature bridges, figurines and animal figures are available. An old doll house, castle or any such whimsical accessory will be nice to create a fairyland theme. A trellis can be fashioned with a gutter cover and a pergola can be fashioned out of suitably shaped stone slivers.

After the creation of the miniature garden which has demanded all the efforts and creativity, it has to be looked after well by regular watering and pruning whenever needed.






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