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Everyone desires to buy a home of their own one day. But homes are expensive and if you wait to complete saving enough to fund a home fully, you could be past your prime and still living in rentals. Instead, you need to create a budget for buying your home based on your income and how much you can save for a down payment. And then you need to calculate how much you can pay as EMI each month for servicing your home loan, after taking care of all family expenses.

With proper planning and budgeting, you can become a proud homeowner without causing financial constraints on your family. Here are some tips on going about buying a home on a budget:

Budget 

Take a good look at your financials including your income, monthly expenses, savings and how much you can give up as EMI each month. This way you can arrive at a budget for your dream home. Foreclose other loans before taking a home loan as it will improve your CIBIL score and make you eligible for better deals.

Location 

Choose apartments in prime locations which will improve in value in the coming years. Check for good infrastructure in its neighbourhood as well as any upcoming infrastructure in the area. This will not only make your life more comfortable but also lead to property appreciation.

Apartment size 

When you are on a budget, you need to consider the size and BHK of the home carefully. You should keep your family members as well as maintenance in mind when selecting the BHK. For most families, 2 or 3 BHK apartments are sufficient.

Amenities 

Look for apartments that offer maximum facilities and amenities within your budget and within your chosen location. These amenities not only improve your quality of life, but also enhance its appeal for resale or renters.

Developers 

Always go with developers with a reputation for timely deliveries and quality homes. After all, you are putting your life savings into that home!

Premium property developers Fortius Infra in Bangalore have ready-to-move-in 2&3 BHK ‘Fortius Waterscape’ apartments in the strategically-located Krishnarajapuram area. These premium apartments stand out for their premium location, high-grade amenities, awesome lake views, large open spaces as well as Vastu compliance.

While there are a number of ways to invest your hard-earned money, real estate has traditionally been considered the safest option. Having said that, one also has to be very careful when investing in real estate as a very large sum is involved and there are many bumps along the way.

Here are some tips to help you along:

Have a Strategy in Place 

You should have a clear reason for buying real estate – whether it’s for investment purposes or for personal use. You should also go through at least 10 properties before finalizing one. Don’t fall for salesmen who offer lots of freebies or brokers who are only interested in their commission.

Know your Credit Score

Before applying for a home loan, ensure that your credit history is in the green. The loaner bank will check your credit history before approving your loan. If your CIBIL score is lower than 750, then you stand a chance of your application being rejected or being approved, but with higher interest rates.

Don’t get sentimental 

One of the worst mistakes made while buying a home is using emotions. You need to first prepare a list of all the things you need in your new home as well as its locality. Then stick to it. Just because you like the exterior looks or like the color of a home doesn’t necessarily mean you have to buy it!

Get your homework right 

You need to research every aspect of the home-buying process before investing in one. Aside from cost and location, check if the land is free of encumbrance. You also need to check the neighborhood, price trends and infrastructure in that area. Going with big brand builders ensures freedom from potential problems.

Full cost of investment 

Aside from the cost of the home, you need to weigh in on other expenses such as registration, stamp duty, GST, brokerage, furnishing, etc. These come down to a neat sum and add to the total expenses too.

For those shopping for new homes, check out the luxurious ready-to-move-in Fortius Waterscape apartments in Krishnarajapuram, Bangalore. Overlooking the scenic Yele Mallapa Setty Lake, these green apartments offer the best facilities, amenities and large lung spaces.

The COVID-19 pandemic has affected almost every aspect of life and every community across the globe. And even though it’s well over a year since the pandemic started, it isn’t showing signs of being wiped out any time soon either.

Even though many important activities have been put on hold, everyday life continues and events like moving home are still doable, provided ample precautions and safe hygiene is practiced through the process. Here are some tips on moving homes safely:

1. Before tackling the process of packing up your home, ensure you have enough packing and padding material at hand. You wouldn’t want to expose yourself unnecessarily by making multiple trips to get more packing materials.

2. One way to make moving home safer is by limiting the number of hands involved in the process of packing. You can either vacate the home and have professionals do the packing and moving of your stuff. Alternatively, you can do the packing yourselves and call in the movers once you are done and all they need do is take out the cartons.

3. If you are going to have professional movers do the packing, limit physical contact by calling them over the phone and giving them a video tour of your home so they can come prepared. Finally, leave home before they arrive.

4. When packing, make sure you leave soap in the bathroom as you and the movers will need to wash hands frequently while handling various items.

5. While shifting cartons is arduous physical labor, do ensure that the movers wear masks and gloves, even as you ensure your masks are on and you maintain six feet distance.

6. Finally, when its time to unpack in your new home, you should first sanitize all the frequently touched surfaces like doorknobs, switches, handles, counter-tops, etc.

Everything is extra difficult during the pandemic and you need to stay organized to stop getting physically and emotionally drained. For those on the lookout for new homes in Bangalore, check out the elegant Fortius Waterscape ready-to-move-in, 2 & 3BHK apartments located strategically in the Krishnarajapuram area. These ‘Green’-certified homes offer great views of the nearby Yele Mallappa Setty Lake, lush greenery, high-grade amenities and a 100% Vastu-compliant design.

Over the years, there has been a surge in real estate investments by Non-resident Indians (NRIs). This has been done for investment purposes as well as for having a place back home for vacations or retirement. The enactment of various rules and acts has further made NRI investment into Indian real estate hassle-free and more secure. Here are a few points to keep in mind when investing in real estate in India.

Documents

The documents required for property investment include passport, address proof, PAN card and recent photographs – similar to resident Indians.

FEMA Rules

With the introduction of the Foreign Exchange Management Act (FEMA), the RBI has made it easier for NRIs and PIOs (Persons of Indian Origin) to buy immovable properties in India. However, do note that they cannot invest in agricultural land, plantations or farmhouses.

Tax Rules

The NRIs are entitled to tax benefits, just like resident Indians. However, for rental income accrued on property in India, the NRIs have to pay a standard deduction of 30% in taxes. Additionally they will have to submit Form 15CA for remittance of rental income. If the property is ‘self-occupied’, then its exempted from wealth tax. If the NRIs property is also sold within two years, then profits earned from the sale are referred to as short-term capital gains and taxable at a fixed slab for NRIs. If sold after 2 years, then it’s known as long-term capital gains and taxed at 20% after indexation.

Payment Mode

An NRI is also eligible to avail of home loans up to 80% of property value, just like resident Indians. The loan value will however be deposited directly with the builder/seller. Also, all EMI repayments made by the NRI will be in Indian currency and made through an NRO/NRE account.

POA

Since the NRI isn’t always in residence in India, he can give power of attorney (POA) to a trusted person to complete any formalities on his behalf.

If you are on the lookout for luxury apartments in Bangalore, then check out the ready-to-move-in 2 & 3BHK Fortius Waterscape apartments in Krishnarajapuram area. Offering spectacular views of the Yele Mallappa Setty Lake, these luxury apartments offer IGBC Gold-certified green homes.

Colors set the tone of your mood and the day. A creative dash of color can freshen up your room and breathe new life into it. Here’s a look at some unexpected ways to add more color into your apartment:

Wall Decals

They come in all shapes and sizes and are easy to apply on and remove off. They basically work like stickers and once you have outgrown them, you can always go for a new one! Wall decals are a great way of adding color and interest to a room.

Art décor

Another way to add personality and color to space is by investing in a large piece of eye-catching artwork. This could be huge decorative vases, bright paintings or even an enlarged photograph with an elegant frame.

Curtains

You can change the entire mood of the room by simply changing the curtains too. Create a new theme for your space with a printed or plain curtain to add color to your space.

Tapestry

These are thick, woven textile wall hangings that come in varying patterns and colors. They are a great way of introducing a point of interest and color into a room, giving it new life.

Large Mirrors

Ornately framed mirrors make excellent wall décor and multiply the light and color effects in a space. Large mirrors placed opposite windows add a new dimension to the room.

Wall Gallery

You can also arrange a gallery wall to create a striking look. It can include family pictures or random prints with a common theme. You could even use different-sized frames for a more interesting look.

Display Shelves

Add an area of interest by adding display shelves on empty, boring walls. Create further bursts of colors by placing décor items such as candles, crystal or glassware or small figurines.

Flowers and Greenery

Vibrant green plants and fresh flowers are the perfect way to add a dash of color to an apartment. Display them on wall shelves or as hangings.

The lavishly-appointed 2 and 3BHK ‘Fortius Waterscape’ apartments in Krishnarajapuram, Bangalore, are carefully designed to offer the perfect backdrop for your art décor. Find more about these ready-to-move-in apartments here: https://www.fortiuswaterscape.com/

If the apartment you call home feels a tad outdated, there are easy ways to modernize it without its getting too heavy on the pocket or time spent on remodeling it. Fortunately, a few tweaks on furnishing and décor can do the trick of bringing your home up-to-date.

Paint the walls

Aside from the benefits of a fresh lick of paint, modern colors with accent walls will surely have a profound effect on updating your home.

Wallpaper

You can apply temporary wallpapers with modern prints on your smaller walls to create an attractive eye-catching effect.

Flooring

Its time to replace your old carpeting and rugs. Invest in new floor coverings in modern colors with statement designs that look more appealing. You could consider investing in adhesive roll-out vinyl flooring for your bathrooms too. Its the perfect makeover for those who don’t want to invest heavily.

Light fittings

The quickest way to change your apartment’s appearance is to invest in wall sconces and hanging central lights in modern designs. Make a statement with a central chandelier in the hall and living room areas.

Window dressing

Changing your blinds or curtains to trendier designs can also modernize your apartment’s looks. Go with minimalist curtain rods that will drape your curtains with the perfect folds.

Replace knobs

You can easily modernize you outdated styles of cabinets and doors by replacing their knobs and pulls with modern sleek designs.

Change faucets

You can also update your home by simply changing the faucets in your kitchen sink and bathrooms. Shining steel or chrome will make your home look instantly younger!

Furniture

Another simple way to updating your apartment is by disposing of old furniture and getting in some new modern pieces.

Plants

Indoor plants are the ‘in thing’ now and investing in a few interesting plants is another great way of modernizing your apartment.

Rather than modernizing your apartment, have you thought of investing in a brand new apartment instead? Check out the ready-to-move-in Fortius Waterscape apartments in the Krishnarajapurm area of Bangalore. These contemporary-designed homes are nestled within a 2.3-acre green plot and offer world-class amenities and facilities. You also get to enjoy panoramic views of the huge Yele Mallapa Setty Lake. Get more information here: https://www.fortiuswaterscape.com/

Decorating an apartment that is low on square footage can be challenging. However there are a number of interior designing tricks you can use to trick the eye into making space feel larger than it actually is. Here is a look at some of these clever tips:

Furniture

Go with fewer, but larger pieces of furniture when it comes to your living area. Aside from appearing uncluttered, it will actually make space appear larger as there will be more space to move around.

Multi-functional

Invest in furniture and accessories that also offer hidden storage spaces. This will get rid of unnecessary clutter and create visual space.

Exposed legs

Furniture such as sofas, chairs, and beds with exposed legs create the illusion of extra space. Furnishing with hidden legs creates a boxed-in feel that hogs visual space.

Think clear

Modern furniture designs look great especially when made with transparent materials like glass, Lucite or acrylic. See-through coffee tables and chairs look appealing and take up less visual space in a smaller-sized room.

Colors

Lighter colors and hues make a room feel large and airy. You could combine light shades with a few accent features in darker shades to add depth and the impression of a larger space.

Curtain dressing

Create the illusion of a higher ceiling by hanging floor-to-ceiling curtains. Windows can also be made to appear larger by extending the curtain rod wider than the window.

Decorative art

In a smaller room, it’s better to go with a single large piece of art or wall decor instead of numerous smaller ones. Leaving a wall or two blanks will also prevent the room from appearing overwhelming or cluttered.

Lighting

Instead of depending on a single overhead light, brighten up the room with wall scones that don’t take up much space.

Mirrors

Hanging mirrors opposite windows or bright lighting bounces off the light, making the space brighter.

If you are looking to buy the affluent Fortius Waterscape apartments in the Krishnarajapuram area of Bangalore, you needn’t worry about space. These ready-to-move-in apartments are nestled within a spacious 2.3-acre green haven and designed spaciously, keeping all your needs in mind. Get more information here: https://www.fortiuswaterscape.com/

The kitchen is usually the heart of every home; its the place where nourishing meals are prepared amidst the chatter of family and friends. Your kitchen should ideally appear inviting, attractive and cozy. By making a few simple changes, you can transform your kitchen into a cozy space where the family would love to converge. Here is a look at some easy tips:

Add some color

A lackluster kitchen can appear dowdy but a fresh lick of paint can add new appeal. Lighter colors will make it feel more airy and spacious, and the perfect place to catch up on the day’s events. You could even have an accent wall to add interest to the room.

Indoor plants

There is nothing like fresh greenery to make a room look inviting and the kitchen is no different. Just add some easy-to-maintain potted plants and liven up your kitchen. Potted herbs on your kitchen windowsill will further add their fragrance appeal.

Lighting

Sprucing up your old light fittings with something more modern and appealing will brighten up your kitchen and make it look inviting. Natural lighting should also be encouraged by keeping windows open and using sheer drapes to maintain privacy.

Seating

Enhance your kitchen’s charm by adding some easy seating. This can be in the form of simple bar stools or chairs. Creating an eating area around the kitchen island or extended countertop makes for cozy family meals and great memories.

De-clutter

There is nothing like a cluttered countertop to make the kitchen lose its charm. Stowing away things that aren’t used often and having a place to store regularly-used items away from sight will enhance the appeal of your kitchen. Create sufficient storage spaces and ensure no clutter collects on the countertops.

Cleanliness

A spic-and-span kitchen appeals to everyone to come to spend some time in the kitchen. Cleaning as you cook reduces time spent cleaning later and doesn’t allow the unsightly mess to build up.

Have a look at the beautifully designed kitchens in the ready-to-move-in Fortius Waterscape apartments in the Krishnarajapuram area in Bangalore. Nestled within a 2.3-acre green plot, these delightful, contemporary kitchens are designed keeping all your needs in mind! Get more information on them here: https://www.fortiuswaterscape.com/

Sometimes your home just doesn’t have that extra space you have been craving for. And going for an extra room in a city residence gets expensive too. Builders have caught on to this dilemma faced by homeowners and have come up with the unique concept of ‘half rooms’. Hence, you can see advertising for 2.5BHK and 3.5BHK apartments where ‘small is beautiful’.

For those not in the know, these extra half rooms are uniquely carved out smaller rooms that can be used for a variety of purposes. Such apartments with added half rooms offer the homeowners the comforts of an extra room within the same built-up area. The beauty of these extra rooms is that they are completely private and can be used for a variety of purposes including that home office you have always been craving for or a children’s playroom. It could even be converted into a guestroom for those occasions when someone is staying over.

Marketing Strategy

Having an extra ‘half room’ is an excellent strategy by builders to harness a greater share of the residential market. Developers are playing on the psychology of potential homebuyers by providing that extra space. Homebuyers too are keen on getting that extra half room for a comparatively affordable price.

Adaptable Functionality

The extra room could make the difference between a cluttered home and a peaceful home. It can be used for the storage of bric-a-bracs, leaving you with a more organized space. It could even become your puja room, a meditation room or your home gym. The potentials for this extra room are so limitless!

Great Investment

Apartments offering an extra half room make good investments too. When it comes to resale, there are higher chances of getting better offers. This is because prospective homebuyers are always on the lookout for homes with smart options. Such homes also garner better rentals.

For those on the lookout for 2 & 3BHK apartments, check out the Fortius Waterscape apartments in the Krishnarajapura area which are uniquely designed to keep their customer’s needs in mind. Overlooking the scenic Yele Mallappa Setty Lake, these spacious apartments are nestled within a 2.3-acre green campus. Get information about them here: https://www.fortiuswaterscape.com/.

The bedroom is your personal sanctuary, the place you retire to after a long day’s work. It should reflect your personality and feature your favorite things too. Most importantly, it should feel restful, comfortable space to be yourself. Here are some ideas on decorating a bedroom perfectly:

Furniture

The bed should be the most outstanding feature in your bedroom and should beckon out to you. When buying furniture, choose pieces that aren’t too large for the size of the room. Otherwise your bedroom could end up looking cramped and unwelcoming.

Color

To create a cozy ambiance, go with soft hues of restful colors; these could include light shades of blue, green or lavender. To further personalize the bedroom, you could use toned-down serene shades of your favorite colors too.

Simplicity

Your bedroom should appear cozy, yet sophisticated and simple. Don’t clutter up the space – keep it simple with just a bed, bedside table, a dresser and a chest of drawers or cupboard. Accessorize with some framed photos, artwork and flowers.

Lighting

Create a layered effect with ambient lighting for the whole room along with smaller accent lighting for reading. Go with adjustable lighting that can be dimmed according to your needs. Install light switches next to the bed for easy access at night.

Window dressing

Opt for a combination of curtains, sheer curtains to soften daylight and heavier drapes to darken the room and make it perfect for sleeping. Aside from being functional, curtains also add elegance to your bedroom. For greater opulence, go for floor-length drapery.

Carpet

There is nothing like a plush carpet to sink your feet in at the end of the day. Carpeting not only looks luxurious but also adds cozy ambiance to your bedroom. If carpets aren’t suitable for your climate, go with a soft bedside rug instead.

Private nook

Create a cozy nook next to the bedroom window with a comfortable chair. You could use it for reading or simply enjoying the view.

The spectacular Fortius Waterscape 2 & 3BHK apartments in Krishnarajapura, Bangalore, provide excellent opportunities for decorating your bedroom. Overlooking the Yele Mallappa Setty lake, these ready-to-move-in apartments provide excellent views too! Do find more information about them here: https://www.fortiuswaterscape.com/.