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  • 26 Apr 2018
    Wall decorations can instantly turn a plain room into a designer space. From fancy frames to decorative wall art, the right wall accent reflects your personality and adds style to every room. Here is a perfect guide to use decorative wall hanging to styling your home. Porcupine Wall Art The 3D style porcupine wall hanging décor is a striking accent piece adding dimension and intrigue to plain walls. An accent piece with an eye-catching design can anchor the space, creating a focal point. One can place a large accent piece above a sofa or a console in the living room or on the entryway to give a hint of your interior and personality. Multiple small, handmade wall hanging décor which complements in style and color also works well to create an artistic wall which draw the eye and make a statement. Botanical Wall Art Fanusta’s wall hangings online, provides you with myriads of accent pieces inspired with nature. Leaves, tree branches and flower motifs in rustic patina to contemporary matte and glossy finish, Fanusta.com has a wall art for every room and style. The golden wall hanging in leaf and flower silhouette are timeless accent pieces that looks stunning on classic white to dark walls as seen in contemporary spaces. Mirror Wall Art In an area that is dark or has low ceilings, you can also buy decorative mirror wall hanging décor online at Fanusta.com to give the illusion of brightness and space. Mirror can be hang over a console, dresser or bench on the entryway. Patina Wall Art Patina Wall Decor offers both texture and color contrast. The elegant ornamental motif and rustic finish gives them an antique charm reminiscent of art work as seen in royal palaces. Ornate without being overpowering, this metal wall hanging décor exemplifies a traditional-meets-transitional decorating style. Indian-inspired Wall Art If you like traditional Indian décor style, go for the arch wall art or jharokha wall hanging inspired by the architecture of royal Rajasthan. Multiple frames can be propped against the wall in your living room by mix-and-matching your favorite pieces of wall décor from Fanusta Design Studio to give an eclectic feel to your space. An array of antique plates can be hung on blank wall to add a vintage flair. At Fanusta.com, wall decor accents include timeless traditional to contemporary chic art pieces that add interest and dimension to the walls making them stand out. Explore intriguing designs in wall hanging online, made from metal, wood and other materials that suit a variety of décor and express your personal style.  
    27 Posted by Abhilasha Gaur
Business 23 views May 17, 2018
Apartments-under-construction or ready-to-move flats - Which is

Everyone wants to buy a beautiful house they have always dreamt of. While there would always be a certain level of excitement to own a house, the desire also comes with a lot of dilemmas. One of the biggest confusion a person goes through while buying an under-construction property or go for a ready-to-move-in flat. We take a look at both options and analyse the pros and cons.

Under-construction property-

Let’s start first with positives and negatives of buying an under-construction-property.

The pros of investing in an under-construction property are as follows:-

  1. Quite cheaper- Buying an under-construction house is quite cheaper as compared to buying a ready-to-move-in flat because here you pay in tranches instead of full payment in the latter one.  

  2. Win for all- It is a win-win situation for both buyer and seller as the latter gets a ready set of customers even before laying the foundation while the buyer gets cost benefit.

  3. Flexible EMI's-The down payment is made initially. It is generally 20% of the property price, and the rest of the amount is paid in instalments. Even EMIs are low in initial years, but yes it increases as the work progresses. Even if one is not taking a home loan, they can pay the money in parts, as the payment is usually construction-linked.

  4. Expected heavy returns-Since most upcoming properties are developed in the outer areas of the city, there are higher chances of good price appreciation (resulting in higher returns) due to future development, but this is subject to location and projects.

But before taking the plunge, it’s important to take into account the risks associated with it.

Delay in the project for various reasons ranks among the top issues that most under-construction properties face. The agreement paper itself mentions a buffer period of 1 year from the stipulated date of possession, but unfortunately, this can extend as well. There could be several reasons behind this delay dispute on the land, cash crunch or just incomplete permissions from authorities. Thus, it is essential to check that all required permissions and certificates are in place before going ahead with the purchase. As far as tax relief is concerned, surely you get one when you buy a house, but not unless you get the possession.

Ready-to-move-in flats

A ‘ready-to-move’ flat allows the owner to move in immediately, which saves you from the uncertainty of delays and the dual burden of paying the rent and EMIs together.

The pros of ready-to-Move in flats are as follows-

  1. Pay and move in - You can walk into your ready-to-move in flats whenever you wish. The flat will be all yours as soon as you make the payments. The same cannot be said for an under-construction property; the wait can go for 3 to 5 years.

  2. Risk factor is low - There are no risks of delays or a botch from a developer when it comes to ready-to-move flats. When it comes to under-construction property, project delays are pretty common, and there are several cases where a builder cheated buyers. You need to be aware and must have utmost care while choosing a builder for buying an under-construction property.

  3. Freedom from monthly rent - The immediate benefit of ready-to-move flats is as soon as you move in, you are free from the hustle of monthly rent. EMI replaces rent. The problem with an under-construction property is you will have to bear with both EMI and rent for a good number of years. Paying off EMI’s and rent together will surely burn holes in your pocket upsetting your financial health.

  4. Immediate tax benefits - Ready-to-move in flats give you tax exemption on home Loan on both principal and interest repayment immediately. Whereas, tax benefits on home Loan for Under Construction Property can be claimed only after you get the possession.

  5. You see, and then you buy it - In an under construction property, there can be a lot of difference in the final product and the product that was promised. Instead in case of a ready-to-move-in flat, you see the product first and then decide to buy it.

The negative aspect of choosing a ready-to-move-in flat is you need to have the cash ready and you must be capable enough to part with a good chunk of money. When you go for the EMI mode of payment, the EMI’s are also higher. These are the only cons when it comes to investing in ready-to-move-in flats.

Ready-to-move flats are the best option to put your money if you want a home that suits your needs immediately. If you are looking for ready-to-move flats in Bhiwadi, Ashiana housing has some wonderful flats for you. Owe your flat before someone else does.