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Owning a home of your choice is a dream that all sections of people dream of, irrespective of their social status, financial position. In a country like India, there are vast differences between different sections of people based on various factors. In spite, one of the common wishes that every family looks to fulfil is to own a home of their own. However, owning a home of their own is not something that everyone can acquire outright due to lack of sufficient funds.

In such a scenario that the availability of home loans comes to their rescue. Today most banks and financial institutions offer home loans that can be availed even by low income families or individuals based on their income and repayment capacity due to expansion of organized banking and various private and public banks. However, before approaching such banks or financial institutions, there are various factors that home loan seekers need to take into consideration.

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·  Credit history of the home loan seeker:

To determine the financial health of the loan applicant the bank undertakes a thorough due diligence. In this regard, the bank which provides the home loan will seek bank statements of the applicant for a certain period, salary slips, company background. Besides, it will also ask for disclosures of Income Tax Returns (ITR) for the last few years, certificates showing the Tax Deducted at Source (TDS) as well as the proof of other financial transactions.

These documents are sources by the bank directly from the applicant while the credit history is obtained from other concerned agencies such as CIBIL (Credit Information Bureau of India Ltd, repository of credit records for banks and financial institutions). However, it is also possible for the applicant to get his credit history report directly from the CIBIL. The credit history not only determines whether an applicant qualifies for a home loan, but also the terms and conditions that he can avail on the loan.

·  Volume of liability:

Bank loan is a huge liability and one must consider his/her limitations, even banks consider carefully this aspect. The bank sanctioning the loan will try to determine the repayment capacity based on the past and present credit history of the applicant before sanctioning the loan. However what will be uncertain is the unforeseen future expenditure that the applicant may incur. Hence, to be on the safer side, it is always advisable to adopt a more conservative approach by taking a loan as low as possible. Ideally, no more than 40% of your salary should go towards payments of your EMIs (Equated Monthly Installments). Safer option is to choose EMI which is about 30% of your income.

·  Fixed or floating interest rate:

This is one of the pertinent aspects that an applicant should consider while going for a home loan. Banks, generally permit applicants to avail of fixed rate of interest in the first couple of years of the loan repayment tenure to attract the loan buyers, based on the total amount of the loan availed as well as the tenure of the loan. On the contrary, it is more beneficial to go for a fixed interest rate if the rate is lower currently but expected to rise soon. Even if the bank allows the applicant to avail of fixed rate of interest on the home loan, it is likely to be beneficial only in the short term. In the long term, it would be better to convert to a floating rate of interest. Hence, it would be better to clarify with the bank regarding such procedures especially about charges for converting from fixed rate to floating, reducing EMI burden or reducing term of the loan. Besides, the applicant can arrive at an appropriate decision by approaching different banks and checking out their policies as well as their terms and conditions.

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Developer Workflow for making Android Application

Developer progress

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To develop apps for automaton, you employ a group of tools that ar enclosed in automaton Studio. additionally to victimisation the tools from automaton Studio, you’ll be able to conjointly access most of the SDK tools from the statement. Developing with automaton Studio is that the most well-liked technique as a result of it will directly invoke the tools that you just would like whereas developing applications.

However, you’ll like better to develop with another IDE or a straightforward text editor and invoke the tools on the statement or with scripts. this can be a less efficient thanks to develop as a result of you’ll generally ought to decision statement tools manually, however you’ll have access to an equivalent range of options that you just would have in automaton Studio.
App progress

The basic steps for developing applications (with or while not automaton Studio) ar shown in figure one. the event steps include four development phases, that include:
• Environment Setup
During this section you put in and created your development surroundings. you furthermore may produce automaton Virtual Devices (AVDs) and connect hardware devices on that you’ll be able to install your applications.
See Managing Virtual Devices and victimisation Hardware Devices for a lot of data.
• Project Setup and Development
During this section you created and develop your automaton Studio project and application modules, that contain all of the ASCII text file and resource files for your application. For a lot of data, see produce associate automaton project.
• Building, Debugging and Testing
During this section you build your project into a debuggable .apk package(s) that you just will install associated run on the imitator or an Android-powered device. automaton Studio uses a build system primarily based onGradle that has flexibility, tailored build variants, dependency resolution, and far a lot of. If you are victimisation another IDE, you’ll be able to build your project victimisation Gradle and install it on a tool victimisation adb. For a lot of data, seeBuild and run your application.
Next, with automaton Studio you right your application victimisation the automaton right Monitor and device log messages (logact) in conjunction with the IntelliJ plan intelligent cryptography options. you’ll be able to conjointly use a JDWP-compliant program in conjunction with the debugging and work tools that ar given the automaton SDK. For a lot of data see right your application with the SDK debugging and work tools.
Last, you check your application victimisation numerous automaton SDK testing tools. For a lot of data, see check your application with the Testing and Instrumentation framework.
• Publishing
During this section you piece and build your application for unharness and distribute your application to users. For a lot of data, see publication summary.

Essential statement tools
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When developing in day or editors apart from automaton Studio, be conversant in all of the tools below, as a result of you’ll ought to run them from the statement or script.
android
Create and update automaton comes and build, move, and delete AVDs.
Android imitator
Run your automaton applications on associate emulated automaton platform.
Android right Bridge
Interface together with your imitator or connected device (install apps, shell the device, issue commands, etc.).
In addition to the higher than tools that ar enclosed with the SDK, you wish the subsequent open supply and third-party tools:
Gradle
To compile associated build your automaton project into an installable .apk file(s).
Keytool
To generate a keystore and personal key, wont to sign your .apk file. Keytool is an element of the JDK.
Jarsigner (or similar sign language tool)
To sign your .apk file with a personal key generated by Keytool. Jarsigner is an element of the JDK.
If you’re victimisation automaton Studio, tools like adb and automaton ar mechanically referred to as by automaton Studio therefore you do not ought to manually invoke these tools. you wish to be conversant in adb, however, as a result of bound functions aren’t accessible from automaton Studio, like the adb shell commands. you may conjointly ought to decision Keytool and Jarsigner to sign your applications, however you’ll be able to created automaton Studio to try and do this mechanically likewise.
For a lot of data on the tools given the automaton SDK, see the Tools section of the documentation.