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Best Waste Management Practices for your Apartment

Effective waste management is the need of the day! The growth of population has led to the increase in waste accumulation especially in cities. Environmental pollution is caused by poor segregation and disposal of waste. 

If you are going to buy and live in a new apartment, it is essential to know the best waste management practices you should follow. The best Waste Management Practices for your Apartment will be to reduce producing waste. By regulating our purchasing habits and being aware of the right waste disposal techniques, we can achieve this. Some luxury apartments in Kerala will even have an in-house composting unit to recycle wet waste. 

Check out a small insight into this by Luxury Kerala Flats, prime real estate portal to buy, sell or rent luxury flats in Kerala. 

Waste Segregation

Segregation of waste helps in the easier disposal and recycling of waste materials. It has to be done into separate bins in different categories:

Wet Waste 

Wet waste includes:

Tea & coffee residues

Fruit & vegetable peels

Decayed food & meat waste 

Plants and other biodegradable waste. 

Dry Waste 

Any waste particles which do not decay in the soil is called dry waste or non-biodegradable waste which can be separated into: 

E-waste: Batteries, wires, electrical parts, mobiles, computer parts, bulbs, tube lights, etc. 

Recyclable waste: Plastic, Paper, Glass, Metal, Clothes, Thermocol, etc.

Toxic waste: Pesticides, fertilizers, chemicals, medicines, used syringes, broken glass, etc. 

3 R's of waste management - Reduce, Reuse and Recycle

By following the 3R’s - Reduce, Reuse and Recycle, we can make conscious efforts towards efficient waste management. All apartments in Kerala should be encouraged to take part in this green initiative. 

Main principles to be followed are:

Consuming less is best to reduce the amount of waste you produce

Donate to others to reuse waste as much as you can

Give waste to any recycling organization to recycle items

Steps to Practice Proper Waste Management at Apartment

Here are some of the best waste management practices you can follow in your luxury flat in Kerala.

Dry waste and wet waste should be kept in separate coloured bins

Garbage bags or covers to be used to avoid spilling and leakage in the bins 

Plastic food containers & wrappers should be washed before disposing

Never store wet waste for more than one day 

Discard sanitary waste separately neatly wrapped in paper 

Broken glass materials and other sharp objects should be separately packed in a transparent polythene cover

Keep your surroundings clean and encourage your neighbours, garbage collectors and housemaids to follow these practices. 

Carry a cloth bag or reuse plastic bags for grocery shopping 

Recycle the kitchen and garden waste to make organic compost fertilizer for your plants 

We at luxurykeralaflats.com hope these tips of best Waste Management Practices for your Apartment will help you manage and reduce your household waste efficiently. Together, let us reduce, reuse and recycle waste to make a green future for our planet.

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Smart Ways to Maximise Your Rental Income

Nowadays renting out an apartment or villa is an excellent way of earning a continuous rental income!  But finding a good paying tenant and maintaining a steady inflow of funds is a bit difficult. Here are some of the smart ways to maximise your rental income from a property. This insight is from Luxury Kerala Flats, the best real estate portal to buy, sell and rent flats in Kerala.

Minimise vacancy

Getting a long-term tenant is the simplest way of ensuring a good return of investment! To ensure on-time payment of rent, you might also offer some price concessions on a one-time payment or reduce the monthly rentals marginally. However, tenancy will end eventually & a month of vacancy of your flat in Kerala will marginally reduce the annual rental income by more than 8%. Reduce the turnaround time when an existing tenant moves out. In the notice period itself, you must start advertising and shortlisting the prospective renters.

Smart pricing

When it comes to searching for a new tenant, be clear about the price expectations in advance and communicate it to the other party well in time. Moreover, it is better to quote a higher price as after negotiations; the amount would only reduce.

Repair and renovation

Giving a decent makeover to your flat will certainly help you to quote a higher rent and gradually recover the expense. Painting the walls and furniture, fixing the flooring, and sprucing up the ambience are only some of the hacks to maximise rental income. 

Try the personal touch

Give your flat a personal touch so that the potential tenant can envision himself living on the premises. Place some temporary furniture in the room so that it does not look empty or try to put a painting on a blank wall. Moreover, a dusted and cleansed premise is more likely to get rented than a shoddy looking flat.

Keep track of the recent trends

The quoted rent should match the prevailing rates; hence a smart landlord would keep track of the rental trends in the market. Online property listing portals like Luxury Kerala Flats can help you in this.  A skillful listing and reasonable pricing can work wonders!

Have a proper rent agreement

In the rent agreement, the owner can fix variables like electricity, maintenance and water charges to be paid by the tenant. Provision of rent revision can be kept in the rent agreement for better earnings every year. Promote online payments to keep track of the rent schedule and history of payments. 

Use of technology and social media

Apart from online real estate portals like luxurykeralaflats.com, make use of social media to advertise your flat. You may join such groups on Facebook, Instagram and Whatsapp, among other platforms.

This helps in reducing the vacancy period and getting new leads.

To know more on flats for sale in Kerala, check out luxurykeralafats.com

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Everything you need to know about studio apartments

Living in studio apartments is fast catching on nowadays! Living in a studio apartment is ideal for bachelors, retired couples, students or working professionals who spend very little time at home. If you are looking for an economical accommodation on a temporary basis, you must go for studio apartments. 

Commonly known as efficiency apartments, studio flats mostly consist of a single large room which performs multiple functions of a living room / dining area / bedroom, a small kitchenette & a separate bathroom. Thinking of buying a studio flat in Kerala?

The prime real estate portal for checking out flats for sale in Kerala, luxurykeralaflats.com brings to an overview of everything you need to know about studio apartments.

Check out the benefits of living in a studio flat …

Easy on the pocket

As the cost of living is high in cities, living in studio flats in Kerala may give you the chance to live in the city without spending much. Moreover, you may even be able to afford a flat in Kerala in a better location if you opt for a studio flat close to work and popular city destinations now. You can spend less on home décor & the upkeep of studio flats proves to be hassle-free with lower utility bills and minimum furnishings.

Smart living

If you prefer a minimalist living, a studio apartment is your best bet! You can have innovative room partitions and clever space-saving home décor strategies to add a subtle elegance to your home. Some apartments even have half dividing walls. When it comes to living in studio flats in Kerala, it can be quite comfortable. You can simplify every aspect of your home life! 

Cleaning is easy

A studio flat is so much easier to maintain than a large apartment! Multitasking can be done as you can clean the apartment while watching your favourite TV programme, or cook dinner talking to your friends and family while they are relaxing in the living area.

Peace of mind

Small is cozy – and comforting! Living in a studio apartment gives you much more peace of mind than living in a large apartment. Small spaces tend to be comforting for some people. 

More Energy-Efficient

If you want to save money on utility costs, a small studio flat is so much easier to live in. It does not take much energy to keep your studio apartment warm and cool as per the season. This means that you can say goodbye to high electricity bills! Now that you have a list of a few benefits of living in a studio apartment, next time you are looking for flats for sale in Kerala, keep these things in mind! To know more & book for ready to occupy studio flats, get in touch with us at luxurykeralaflats.com. We bring to you studio apartments in the best locations in Kerala.

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What is e-stamping and how is it done?

When you conduct a property transaction in India, be it buying or selling a property, you need to pay a stamp duty on it. Otherwise, the transaction is not complete. Paying stamp duty, the traditional way is rather tedious. Much of the problems can be solved with e-stamping. 

Here’s an overview of what is e-stamping and how it is done by Luxury Kerala Flats, the best real estate portal to buy or sell flats in Kerala.

Why is a stamp paper required?

You need to pay a stamp duty on property to the central or state authorities for buying, selling, leasing your property or even for creating deeds. These payments of the Government required fee are done through the purchase of a stamp paper of different values, as decided by the authorities. 

E-stamping in India

The Indian government has put forth initiatives to reduce instances of counterfeits and errors and introduced the e-stamping facility. Starting July 2013, 2021, the Stock Holding Corporation of India Limited (SHCIL) will be the Central Record Keeping Agency (CRA) for all e-stamps used in the country. SHCIL is authorised to do user registration or administration, from applications for e-stamping to maintaining these records. The authorised collection centres or ACCs (scheduled banks) of SHCIL then issues certificates to those requiring it. 

How to pay stamp duty online for e-stamping?

Step 1: Visit the official website of the SHCIL.in. New users of SHCIL can click on ‘Register Now’ to proceed.

Step 2: Fill in the required information. Choose a User ID, password, security question and fill in your bank account details.

Step 3: After confirmation through an activation link sent to your registered email address, you can use your user ID and password.

Step 4: Login to the online module by using your activated User ID and Password.

Step 5: Select the state from the drop-down menu. Then select ‘Nearest SHCIL Branch’ option and provide mandatory details like First Party Name, Second Party Name, Article No, Stamp Duty Paid By and Stamp Duty Amount, to generate an Online Reference Acknowledgement No. of any amount for payment through Net Banking/Debit Card/NEFT/RTGS/FT.

Step 6: Carry a print out of the Online Reference Acknowledgement No. and visit the nearest Stock Holding Branch to get a final print out of the e-stamp certificate.

Note: Citizens have to bear the actual bank and payment gateway charges.

How to verify an e-stamp?

On the homepage, click on ‘Verify e-stamp’. Simply enter the state, certificate number, type of stamp duty, date of issuance and session ID and click on ‘Verify’.

Things to note

No duplicate copy of an e-stamp certificate will be issued.

You can get a refund for an e-stamp request once it is cancelled, only when you approach an SHCIL office.

Now that you have gone through what is e-stamping and how it is done you can now confidently conduct your property transactions. 

To buy, sell or rent apartments in Kerala, check out luxurykeralaflats.com.

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Kerala’s online property-related services: Everything you should know

Kerala is one of the first states in India to introduce online services for land and property-related processes. Today property transactions are more hassle-free and transparent with this move. Here’s an insight on Kerala’s online property-related services: Everything you should know from the premier real estate portal for buying flats in Kerala - luxurykeralaflats.com.

1. Encumbrance Certificate 

The Encumbrance Certificate (EC) signifies that the property is completely free of legal or monetary liability. You can apply for it online at http://keralaregistration.gov.in/pearlpublic/

Things needed for EC application:

Your valid mobile number. 

Enter all details correctly. The fee is non-refundable.

Check the status of your application.

You can also opt to get English version of EC. 

Pay an extra fee and select the priority option if you need to get the certificate urgently.

You can download it through the portal when ready. 

2. Online Property Registration in Kerala

Nowadays the registration or transfer of any property in Kerala like a flat for sale in Kochi can be done online. Property transactions can be registered at any sub-registrar’s office within a district by buyers. 

Click on ‘online applications’ & create a new user registration.

Enter the details of the property. Pay the fee amount & stamp duty (If less than Rs. 1 lakh). If more, select e-stamp as a mode of stamp duty payment. 

Download the e-stamp with a serial number and GRN on it. 

Choose a time slot for physical document verification at the sub-registrar’s office.

Acknowledgement slip will be generated with your appointment details.

Visit the sub-registrar’s office on the mentioned time and date and submit the printout of the report, along with the related documents. 

After completing registration, you will receive the sale deed.

Documents needed 

Proof of ownership

Certified copy of original old sale deed, assessment of MC or mutation

Identify proof (Ration Card, Voter ID, Driving License, Aadhaar Card or PAN Card)

NOC

ID proof of two witness

Map plan and description of immovable property

A photograph of the property 

Possession Certificate Online 

Possession certificate states the possession date of the property. PC is issued by the Tahsildar in rural areas and Revenue Divisional Officer (RDO) in urban areas. Homeowners should get the possession certificate for availing subsidy or housing loan.

Start new user registration 

One-time registration process for duplicate check is done to verify if the applicant has already registered. 

Enter the details and upload the relevant documents in PDF format.

Payment of fees

Print the receipt and the certificate application. 

You will receive an SMS in the registered mobile number once the possession certificate is issued 

Download or print the certificate.

Possession certificate will be issued within 7 days from the date of application.

Documents needed 

Aadhaar card

Land tax receipts

Proof of ownership of property

Encumbrance certificate

Voter ID card

Besides all these services you can also check Land Records including survey number and owner details in Kerala with online services.

Browse through flats for sale in Kochi at luxurykeralaflats.com and book yours now!

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How to easily check the square footage of your home

Going to buy a new home in Kochi?  Checking out flats for sale in Kochi? Wondering how to measure the square footage of the home? Well, square footage is one of the most important factors that determine the value of the property.

Prime real estate portal for buying flats, Luxury Kerala Flats shares some thoughts on how to easily check the square footage of your home.

Why should you measure square footage?

Measuring square footage becomes all the more important for many reasons. When listing your home to sell, determining the exact size of the property is an important factor for deciding on an asking price. Apart from that, knowing your home’s square footage can be useful for other reasons as well! For example, if you decide to construct in a previously unused part of your house like an open terrace or a basement, you may need to provide the square footage to get a building permit.

Likewise, if you think you are assessed for a higher tax than what you think you should owe, knowing the correct square footage can stand in your favor. You have chances of getting the property taxes reduced.

Why does square footage matter? 

In case you plan to buy the home on a home loan, the lender will need to verify that the property is worth what the buyer has agreed to pay.  You may have to face pricing issues if the square footage is not correct.

How to calculate square feet of a house? 

If you live in a single house with only one floor that’s a perfect rectangle, simply multiply the length and breadth. 

Area = Length X Breadth

But most homes have more complex floor plans, so you can follow these simple steps:

Draw out a rough sketch of your house, labeling all of the rooms you need to measure.

Include hallways and other similar non-room spaces as small squares or rectangles

Measure the length and width, in feet, of each room.

Multiply the length by the width of each room to get total square footage of each room.

Add the square footage of each room to determine your home’s total square footage.

If you are directly buying a flat from a builder you may be able to get architectural drawings or master builder plans which will already have the square footage calculated.

What to leave out of Calculation

You can exclude space you can’t walk on or live in. If you have a double height living room in your home you can’t count the non-usable space. 

Basements and garages don’t generally count toward total square footage.

Finished attic spaces,  with some regulations like ceiling heights can count towards the total. 

When in doubt, ask the pros like luxurykeralaflats.com, the best place to search flats for sale in Kerala. If you find it difficult to calculate, contact us today to know more!

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How to save tax on property sale?

If you are a person interested in real estate investing, you certainly know there are taxes and regular maintenance charges to cover. Hence it is better to stay informed about the capital gains tax - the tax levied on gains by conducting a sale. The capital gains tax depends on whether it’s short term or long term. Short term capital gains (STCG) are added to your taxable income, and you have to pay income tax according to the different tax slabs. Long term capital gains (LTCG) attract 20% tax on the gains while selling property. If you sell a property within 24 months, you have to pay a STCG tax on the gains as per your income-tax slab. After 24 months, you have to pay a LTCG charged at 20% with indexation benefits.

The prime real estate portal for selling villas and flats in Kerala, luxurykeralaflats.com brings to you tips on how to save tax on property sale. Check it out...

How to save tax on property sale?

Section 54

Tax exemption can be claimed under Section 54 if you buy another property after you sell. Or you can reinvest the gains from the sale into buying or constructing maximum two houses. Also, the capital gains on the sale of house property must not exceed ₹ 2 crore. The benefit can be claimed only once in the lifetime.

 If you sell this new property within three years of purchase, the capital gains will be taxed as STCG and the exemption will be reversed. The new properties must be purchased either one year before the sale or two years after the sale of the property. Or the new residential properties must be constructed within three years of sale of the property. If the capital gains cannot be reinvested immediately, you should deposit the amount in a capital gains account scheme (CGAS); else the gains become taxable. Section 54 capital gains exemption is valid even if you have taken a home loan to buy the new property.

Section 54 EC

Under section 54 EC if you are not interested in reinvesting the gains from sale you can consider investing in certain specified bonds. This exemption is available for both residential & non-residential property. The interest rate on these bonds is 5.75% and is taxable. 

Section 54F

Tax exemption is given for assets other than residential property like gold, stocks or even mutual funds. This is possible if you decide to reuse the gains to buy residential property, subject to certain conditions. You must invest the entire sale consideration to buy or construct a new residential property to claim this exemption

Section 54 and 54F

The assessee can claim exemption under section 54 and 54F for investment in the same house if all conditions are fulfilled. 

Now that you are aware of how to save tax on property sale, you can go about confidently investing in real estate. Buy luxury apartments for sale at luxurykeralaflats.com and make a wise investment. 

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Tax on rental income and applicable deductions

Rental income from property is taxable irrespective of residential status in India. The maximum amount not chargeable to tax is 2.5 lakh and if your total taxable income in India (Rental income or any other source of income) does not exceed this limit you are not liable to pay tax on it. Nevertheless, the gross rent received by you is not fully taxable. Various deductions apply while calculating the taxable value of rental income.

Luxurykeralaflats.com the premier real estate portal for buying flats for sale in Kerala shares some thoughts on the legal provisions for calculating tax on rental income and applicable deductions.

No tax on unrealised rent, rules ITAT

There are rising instances of rent defaults nowadays. An income-tax appellate tribunal has ruled that landlords are not liable to pay taxes on unrealised rental incomes. As per ruling of ITAT, rental income is only applicable when the rent is actually received. This has come as a major relief for landlords as many tenants have not been able to pay taxes due to the economic recession caused by the pandemic. This applies even if the tenant has deducted TDS and declared the same in the TDS return. This cannot be the sole reason for taxability of rent.

How is rental income taxed?

Any rent received from a property that is let out, be it residential or commercial, is taxable. It can even be rent received for a flat, a factory building or by leasing out land. 

Annual value is the basis of taxing a property. The annual value is determined on the basis of whichever is higher:

The rent actually received by the property or;

The amount of rent for which the property can reasonably be expected to be let out. 

Deductions Available

Standard deduction at 30% of the taxable value;

Municipal taxes paid to the local authority;

Interest paid on a loan taken for construction, repairs, acquisition, or renewal of the property;

Pre-construction period interest deduction (This is available as deduction in five instalments from the year following the year of completion of construction).

Any repayment of principal amount against housing loan taken for such property is also eligible for deduction under section 80C (maximum deduction up to 1.5 lakh).

Tax implications on rental income post-Coronavirus

As the Coronavirus pandemic is still raging on, remote working is now the norm! A large number of tenants, working in big cities, have moved back to their own places like flats in Kerala. Even those who are still living in their previous rented accommodations, have also requested their landlords to reduce the rent, due to the financial difficulties caused by the pandemic. The rental income of several landlords has hence been impacted & there is hope that the government will issue guidelines for taxation to that extent.

We at luxurykeralaflats.com hope that this overview of tax on rental income and applicable deductions has been helpful to you. Check out flats for sale in Kerala with us.

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Budget-friendly Living Room Ideas

Living room is where we relax, entertain and do a lot more things. If you're designing a new living room and your budget is rather low, you have to be really innovative. Searching for some Budget-friendly Living Room Ideas to deck up your apartment?   

Here’re some affordable living room ideas that will work for you from Luxury Kerala Flats, the no. 1 portal for flats for sale in Kerala. These ideas are budget-friendly but big on style! 

Rearrange the Furniture 

You can update your living room without spending more on buying new furniture. Instead of following the same traditional layout, why not try something more interesting? Push the sofas away from the walls and try keeping a piece of artwork as a focal point. Just decluttering and clearing out some furniture will make the living room feel larger.

Re-use old furniture

Check out if you can borrow anything from other rooms. At times, you can find furniture pieces from other rooms which can make your living room look better. If you come across a great find but even if it doesn’t quite match your existing living room decor, painting it will make it match your theme. 

Update your walls with Artwork

Why not try using fabric wall hangings for your living room? Quite a change from displaying photos and pictures the usual way! Even an attractive bed cover can be displayed!  You can even DIY artwork to hang on your living room walls.

Add greenery with indoor plants

Indoor plants are an easy win to make your interiors amazing! They add life and colors to the living room to your flat. Larger house plants can be used for large empty spaces. You can arrange groups of small plants at different heights to create interesting focal points in your living room.

Get painting!

Painting your walls in bright colours will actually transform your living room! You could paint just one wall or alcoves to add a pop of colour to your room. Many apartments get a new life from painting the walls.

Put up removable Wallpaper

Make a style statement! Cover the walls of your living room in your flat with amazing removable wallpaper & see the difference. There are so many peel and stick wallpaper available in a plethora of diverse prints and sizes to suit the space you are covering. 

Create a Gallery Wall

Gallery walls add a much-needed personality to the living room! You can use photos, record covers, prints or even frame fabric cut-offs or spare bits of wallpaper. You can choose prints and frames which work in your space. 

There are lots more budget-friendly living room ideas! It’s time to put them in practice. Check out flats for sale in Kochi, Kerala at luxurykeralaflats.com and book your dream home today! Good luck to you!

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Tips to save up for your first home

Nowadays people of younger age try to invest early on a forever home. Before that people were planning to buy a home only after they settled in life. The high take-home salaries of the millennials prompts them to buy homes instead of opting for rental spaces. Seeing that buying a home is possibly the biggest investment of a lifetime it is better to save up early. 

If you are about to buy a flat, here are a few tips to save up for your first home from luxurykeralaflats.com the no.1 portal for buying flats in Kerala.  

Paying the down-payment

For buying any of the flats in Kerala you need to pay the down-payment (10% - 25% of the property’s market value) from your own resources. Hence, it’s good to be disciplined in your finances. You can avoid lavish expenses & start cost-cutting. Any other debts should be cleared and you can as well try to augment your income. 

Keep to a strict Budget

Monitor your monthly expenditure! Rent payments, groceries, dining out, shopping and entertainment expenses need to be analysed. Categorise your expenses and then make a budget. Shallow expenses can be saved for your down-payment. Just trim your lifestyle expenses!

Downsizing

Downsizing can help you save more money toward buying a home very fast! This means reducing your expenses and living below your means.  You reduce the amount you pay for necessary expenses and instead divert that extra money into a savings account. Try downsizing by moving into a smaller flat in a more affordable area at the outskirts of the town.  

Invest wisely

Consider investing any excess income in fixed deposits and recurring deposits which will fetch more interest than a saving’s account. Mutual fund investments or bonds are also good investment options you can cash in.

Set aside the money for future EMIs

You can start routing your savings and investment returns for the EMI amount every month even before the payment of EMI’s start for your apartment. 

Other payments

Apart from the down payment, there are other expenses involved when buying a flat. Make an estimate, and strategize accordingly.

The main expenses will be: 

Stamp duty - 5% to 7% of the property value

Registration cost - at least 1%

Memorandum of title deed charges - 0.1% of the loan amount

Interior decoration

Electricity connection

Water supply

Brokerage fees

Legal fees

Home insurance 

                   and more. 

Automate your savings

You may consider automating your savings if you’re a impulse shopaholic! Authorize an automatic withdrawal with your bank from your primary account into a separate savings account for your down payment. This way you’ll automatically save for your home.

We at luxurykeralaflats.com hope you find these tips to save up for your first home useful. Browse through flats for sale in Thrissur at luxurykeralaflats.com and book your apartment today! 

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Best Flats for sale in Thrissur

Vishraam, best builders in Thrissur offers luxury flats and apartments in Thrissur with nature friendly design. Vishraam Milestone is new flats for sale in Thrissur from Kerala’s most trusted builders with amenities of Landscaped Garden Area, Air conditioned Party Hall, Air conditioned Gym, Air conditioned Indoor Games, Meditation / Yoga Area, Cloth Drying Area, Vegetable & Herbal Garden, Scientifically Designed Waste Management, Incinerator, Rain Water Harvesting, STP & Waste Water Recycling, Anti-Termite Treatment etc.

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How to resolve errors in the CIBIL Report

To realise your dream of a new home, you may have to avail a home loan. A report from the Credit Information Bureau of India Limited (CIBIL) with a good CIBIL score is highly important in getting your home loan. Just like any other document, it is completely possible that errors may occur in your CIBIL report and give you the wrong score. For example, even though you have already cleared off all your dues, your name may be shown in the loan defaulter list. This can greatly affect your chances if you want to apply for a second loan. Therefore, it is good that you take immediate steps to resolve errors in the CIBIL Report. 

The no.1 portal for luxury flats in Kerala, luxurykeralaflats.com tells you how to take steps to correct CIBIL report errors. Before you take a loan for your Kerala flat check well in advance your CIBIL score. If you sport errors you should file a dispute with the CIBIL and they will follow a set procedure and correct it. 

Here’s a list of the most possible errors in your CIBIL report?

Inaccurate personal information

Ensure that each entry of your personal details and the PAN card number and/or Aadhaar card number is correct.

Incorrect balance 

Your current credit balance in your credit report must match correctly with the actual outstanding balance of your credit card or loan. 

Current balance not updated 

Outdated current balance is a common error in your CIBIL report. A gap can happen between the time of payment and the submission of your credit history to CIBIL. 

Incorrect overdue

Incorrect overdue amounts at times wrongly mentioned in your CIBIL report can have a damaging impact on your CIBIL score.

Outstanding loans 

Do ensure that the numbers and the facts of the loans you are due to pay are mentioned correctly or you may even become listed as a loan defaulter.

Duplicate account

In the CIBIL report, there might be more than one account registered in your name which is a major mistake.

How to resolve errors in the CIBIL Report?

Log in to CIBIL's website and submit the request by completing the online dispute form. 

Identify the nature of error and give its brief description in the online form.

Provide accurate personal details for the CIBIL to initiate the dispute process and contact you once it is rectified.

CIBIL will verify details with concerned banks and financial institutions.

Your CIBIL report will only be updated if the credit institution authenticates the disputes you raised.

You will also get an email notification about the status of the dispute raised and resolved.

The CIBIL takes 40-60 days to resolve any dispute.

You can now easily avail loans to buy Kerala flats as you are now aware of how to resolve errors in the CIBIL Report. Check out with luxurykeralaflats.com the premier real estate portal to book luxury apartments in Kerala. 

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Make your kitchen look like new!

The heart of your house is your kitchen! Add sparkle and shine to it! A place where there are cooking messes, dirty dishes, and everyday spills, you can very well say your kitchen is the most occupied room in the house! If you tackle things one by one at a time you can get your kitchen spic and span in no time. So, grab your rubber gloves and get ready! 

Cleaning every surface in your kitchen daily can be challenging, but here are some stunning kitchen cleaning tips from luxurykeralaflats.com, the prime portal for flats in Kerala.  Try out these cleaning hacks and keep your kitchen sparkling.

A place for everything and everything in its place

Cutlery and utensils if they are lying around tend to mess up the look of the kitchen in your luxury apartment in Kerala. Keep a dedicated and easily accessible place to store them correctly. Make sure you keep your cutlery in drawers with separators.

Clean-up after every use

A little cleaning effort after every use will help you maintain your kitchen better. Stains are easier to handle this way. The kitchen space in your flat will be more hygienic. A little discipline will go a long way in keeping your kitchen bright and shiny.

Clean your chimney 

The kitchen chimney in your luxury apartment in Kerala accumulates dust and grime as it absorbs the vapours while cooking. Regularly wipe the chimney with a microfibre cloth dipped in hot water to remove this.

Clean your kitchen wipe

Take a tablespoon of salt and add it to an equal mixture of vinegar and lemon. Soak your kitchen cloth in this solution for a few hours and rinse it well under fresh water. 

Clean your burnt steel pans

Boil water with baking soda in the pan. When it is still warm scrub off with your steel scrubber to remove the burnt stains.

Use white vinegar to clean hard-water stains

Soak some paper towels in vinegar and place them on the hard water stains on your faucets, shower heads, or sink to make them clean and shiny. Soak for 20 minutes & scrub off the stain with an old toothbrush.

Clean the wooden cutting board with salt and lemon

Squeeze one half of the lemon on your cutting board, sprinkle the salt over the board. Wipe off the lemon and salt and your cutting board is clean as new! 

Clean the cabinetry

Use Vinegar for cleaning greasy kitchen cabinets in your flat. As it is a natural cleanser that attacks the growth of mould, mildew and bacteria, it cleans well. Spray a cleaning solution with 1 cup vinegar, 1 tablespoon baking powder and 2 cups warm water on the cabinets – let it remain for two minutes and then clean it with a sponge. 

Make use of these stunning kitchen cleaning tips from luxurykeralaflats.com, the No. 1 portal for luxury apartments in Kerala and get yourself a clean sparkling kitchen.   

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Advantages of Buying a New Home

A home brings with it a sense of security & comfort! Buying a home is often the biggest investment in your life. To rent or buy is a decision that many are confused to make. To make your decision easy, here are some advantages of buying a new home from luxurykeralsflats.com, the No.1 real estate portal in Kerala for buying flats for sale in Kerala.

No Landlord issues

As a homeowner you need not deal with any landlord issues be it for water, electricity, maintenance and almost everything else. You’re in control and you can make minor repairs or a complete makeover of your entire home on your own.

A feeling of well-being and security

With an own luxury apartment in Kerala, your family gets their very own space; a home. Returning to your own sanctuary after a long day at work, tiresome commute and stress can be something to look forward to. 

There is no fear and anxiety caused by a potential untimely termination of the lease agreement by the landlord. Apart from this, there is no hassle of renewing the rent agreement and rent renegotiations every year.

Reduced expenses

Paying a Rent causes a severe dent on your monthly budget. If you can utilise the same to pay the EMI of your luxury apartment in Kerala gives you a sense of ownership and pride! It’s a way of building your assets. If you carefully choose the location, size and amenities of your apartment, you can even reduce commuting costs and stress as well. Owning a flat for sale in Kerala definitely means that you can reduce your living costs as there will be no rent or mortgage to pay, especially useful later in life when you have retired.

Easy Home Loans

Owning your dream home is easier now! Home loans are available at low interest rates. You can even get the flexibility in managing your home loan repayment by tailoring your home loan EMI to suit your present and future income patterns.

Tax Benefits

You can get attractive tax deductions on your home loan principal and interest repayment for your luxury apartment in Kerala.

An investment option

When you have lived in a particular city for long you identify with the city and its lifestyle.  it is good to buy a house so that you get a feeling of belonging and permanency. Property prices usually appreciate over the long term & buying a flat for sale in Kerala means you are also enhancing your wealth over time. Delaying it will result in having to invest a higher amount.

Buying your own luxury apartment in Kerala gives you a sense of accomplishment and success in the society & you can enhance your social status significantly. Nowadays higher disposable incomes, easy and innovative loan options and tax incentives makes a home purchase appear attractive for most people. To check out flats for sale in Kerala, luxurykeralaflats.com may be of immense help to you. 

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How to Save Space in an Apartment?

A house becomes more of a home with the effective utilisation of space! Each home is a total reflection of the personality and lifestyle of its inhabitants. Who wouldn’t love to have a more spacious home? No worries! You can make it possible by maximizing the available space.

The premier real estate portal for booking Kerala flats, luxurykeralaflats.com brings you some amazing tips on how to save space in an apartment.

 Use the vertical space to double the room.

 If your rooms have extra height, why not double the available space in your room? Add stairs and a platform atop your work-space or vice versa and use the top floor as a secluded reading space, work desk, or even an extra bed.

 Regular-use items storage under a sitting area

 Toys, shoes, books or even other things that are used frequently can be stored under sitting spaces.  You can just open the cabinet when you need something, and shove it right back in easily. Even side tables near the bed can be used with pull-out custom fittings to store your night things like books, candles, moisturisers etc.

 Murphy beds can make a difference

 Great for small spaces, these beds are multifunctional pieces of furniture which can function as a sofa during the day and a bed by night. Very useful when you don't have a separate guest room.

Invest in a bunk bed

Kids’ rooms need extra space for study or play. You can go for a classy bunk bed with a modern minimalistic design in your kids room to get that much-needed extra space. If vertical space is an issue in your luxury flat in Cochin, even 3-tier pull-out beds are available. 

Invest in smaller, multi-functional furniture.

Premier luxury flats in Cochin can be ideal places to have furniture that can be used in multiple ways. A multi-functional table can be used as a side table, laptop desk, or a simple coffee table and takes up only little space.

Utilise wasted areas in your home

Extra storage space can be made out of wasted areas in your Kerala flat. In the kitchen you can make racks, hang hooks, or sleek shelving to store spices, mugs, extra cutlery, cleaning supplies or even brooms. The end side of the cabinet can be used to make a smooth cabinet that needs very little space. It works great for storing extra household items like cleaning supplies, power cords, groceries etc. The space under staircases can be used for making a sewing room, storing shoes, books etc.

Behind the mirror storage

Mirrors can be used as hidden places to store your extra stuff to make more space in bathrooms, bedrooms & halls etc. You can have smooth pull-outs or normal shelves behind mirrors.

We hope all these tips on how to save space in an apartment has helped you to make your Kerala flat one of the best luxury flats in Cochin with decor that stands out. Best of luck to you!

[luxurykeralaflats]

Pest Prevention Tips for a Healthy Home

Do you have uninvited house guests - the pests, invading your flat in Kerala? Time to spring into action! You may clean your home regularly, yet the annoying ants and termites never really go away. A pest infestation can tend to be serious! They can even create structural damages to the building and cause health consequences to you and your loved ones. Here're some pest prevention tips you can try out from the leading real estate portal in Kerala - luxurykeralaflats.com. Read on…

Seasonal care

Every season, check for potential damage by pests.

 Seal or grout cracks and holes in windows, doors and walls. Termites and worms may crawl into the house through these routes. 

Avoid build-up of dirt on a daily basis & remove hanging cobwebs and pest droppings if any.

De-clutter the boxes and cabinets around your home; keep them accessible so they are easy to clean on a regular basis.

Use air-tight containers and jars to avoid creating hideouts for insects and spiders.

Kitchen care

The pests thrive in kitchens! Keep the kitchens in your apartments in Kerala pest-free with these tips:

Clear all food items from the table or keep them tightly covered at night.

Do not leave used dishes in the sink overnight. 

Make sure the dustbin is not left open at any time. 

Use organic cleaners and detergents to clean the kitchen countertops, floor and cabinetry.

Bathroom care

Cleaning the bathroom on a daily basis will go a long way in eliminating the entry of pests to your flat in Kerala. 

Repair leaking pipes or faucets to dissuade moisture-loving pests. 

Drain openings and traps should be properly fixed as these are entreeways for rodents and pests to enter the home.

DIY Tips

Mix one part Vinegar and one part water and wipe kitchen countertops, dining table surfaces and washroom shelves in your flats in Kerala with this solution to remove odours and keep flies and ants away. Essential oil sprays if used around the house will also repel pests like flies, mosquitoes, mites and ants.

Clean out Store-rooms and pantries

Periodic cleaning of Store rooms & pantries keep pests away. Plastic or metal boxes are for storing items – silverfish, roaches and termites crawl breed in cardboard boxes.

Wash clothes regularly

Do not keep clothes in your laundry bag till the weekend and wait to wash everything at one time as pests soon get attracted to dirty clothes and odours.

Cleaning the furniture and mattress

You can reduce bed bugs, cockroaches and spiders by yourself.

Clean or vacuum the undersides of furniture and other hard-to-reach corners. 

Clean the sofa- and bed-covers and dust the mattresses every few months. 

Leave mattresses & pillows out in the sun for an afternoon to let the stored moisture evaporate. Dry conditions starve many dust mites and bugs.

Certified pest control

If things have gone out of control in your apartments in Kerala, go for professional pest control treatment. Nowadays organic, odourless and pet-friendly options are available.

Book your flats in Kerala today at luxurykeralaflats.com.

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Location: The most important factor in Real Estate

When you start looking for your dream home you start looking for dream locations. Thanks to new technologies in the real estate investing world, more and more people are hunting locations relying on technology and formulas to make investing decisions. In fact, location is widely believed to be the single most important factor about investing in real estate. It can be rightly said, without a good location buyers or renters will not show any interest in the property.

In real estate price and location often go hand in hand! Price is the most important factor you look for when you look to buy apartments in Kerala but a nice location is far better. If the property is located in a nicer area, your property will be in greater demand and can seek a higher selling price in future. Even if you have to pay a little more when you buy, a better location means you have many more fruitful options down the road.

When you are investing it is difficult to get prime luxury flats in Kerala in the best areas. The location in which you invest will dominate how you invest and what your goals are. If you focus on investing in apartments in Kerala in worse neighborhoods you may see a greater return at first. But finding demand for your property in later years will be a constant struggle! Finally, this lack of demand will lead you to go for lower rents or a lower sales price.

Locations of luxury flats in Kerala which are near travel hubs like Bus station, Railway station, Metro Station etc. will definitely cost more. But travelling just a few miles to the suburbs in towns would certainly cost less. Hence it is critical to make sure you know everything about the location you are buying and ensure you are paying for the best location. Do your research to find out if there are any changes coming to the location, the rates, employment rates and new housing starts. There are times when a location may seem ideal only to undergo sweeping changes in the near future. Before you buy, you need to know everything about the location you are buying in.

The factors to look out for:

Apartments in Kerala in busy metros with little room for expansion tend to be pricier than those in developing cities.

Before buying a luxury flat in Kerala, you should examine the accessibility, appearance, and amenities of a neighborhood as well as development plans.

Lying in the vicinity to things like busy roadways and community centers may make it less desirable for resale.

The land area decides the price of a house since land tends to increase in value.

If you are confused evaluating a property, get in touch with us at luxurykeralaflats.com. We are experts in finding flats in Kerala in the best locations for you!