BHIWADI IS BEST REAL ESTATE INVESTMENT OPTION AMONG DELHI NCR

Bhiwadi is leading towns in NCR in terms of growth in Industrial, Commercial Real Estate and Residential Real estate sector. They are located in the south-west part of NCR near Gurgaon. Bhiwadi, Sohna fall under DMIC (Delhi-Mumbai Industrial Corridor) and Manesar is the industrial hub of Haryana which has many automobile industries. This is one major factor which has caused demand for housing and infrastructure. So for long-term investment point of view investment in real estate in these towns is considered a good option by many builders and developers. The 135 Km KMP (Kundli-Manesar-Palwal) Expressway which meets NH-8 near Manesar and two state highways near Sohna will ease the connectivity of these area furthermore.

krish Seasons Group Housing in Bhiwadi

Connectivity and Infrastructure

Bhiwadi is referred as ‘Gateway of Rajasthan’ and is located in Alwar district of Rajasthan situated about 40 Kms from Gurgaon. It has excellent connectivity with Delhi due to NH-8 and with Faridabad due to the state highway. The connectivity will get a boost with the proposed regional rapid transit system (RRTS) from Delhi to Alwar (180 km) and the proposed Kundli-Manesar-Palwal (KMP) expressway. FDI (Foreign Direct Investment) inflow has also increased in this area. Seven National Investment and Manufacturing Zones (NIMZ) have been proposed along the Delhi-Mumbai Industrial Corridor (DMIC), of which one is at Khushkhera-Bhiwadi-Neemrana belt. The proposed Neemrana airport is also in vicinity of Bhiwadi. Dharuhera-Bhiwadi bypass road has become operational making commuting easy from Delhi, Gurgaon and Jaipur.

Manesar has easy connectivity due to NH-8 which has many industrial townships around. It is near to new sectors to be developed as per Gurgaon Master Plan. The industrial demand has increased in Manesar for the past 5 years which is creating a huge demand of housing sector and infrastructure. IMT (Industrial Model Township) Manesar has played a crucial role in infrastructure development. Manesar has lot of automobile industries like Toyota, Mitsubishi, Honda and Maruti employing more than 40,000 workers because of which there is a high demand of affordable housing, but the available housing units in this segment are very less in number.

Sohna is a town in Gurgaon district of Haryana. It is located at approximately 25 km from Gurgaon and Faridabad, while Delhi is at around 55 km away. A number of residential, commercial and industrial projects are coming up along Gurgaon-Sohna Road has made Sohna the next preferred destination for residential real estate. Through national highway 8, the area is directly linked to areas such as Bhiwadi, Manesar and Jaipur. The planned IMT Sohna is also likely to become the next big industrial park in the region after IMT Manesar and IMT Faridabad. The Southern Peripheral Road, that links NH-8 to Golf Course Road and South Delhi, is currently under construction which will also increase the ease of access.

krish Harmony Villas in Bhiwadi

Real Estate

With good civic amenities and infrastructure availability and wide range of investment options like plots, villas, apartments etc., Bhiwadi lured many investors and developers. There are many projects along Papari Road (Alwar bypass road) road like Konark Oasis, Ashiana Gardens, Kajaria Gardens and Aravali heights along Dharuhera bypass road. Many new projects are expected to come up in these areas especially on Alwar bypass road with the huge demand because of connectivity, Infrastructure and industrial development. The current sale price in Bhiwadi town is in the range of Rs 2000-2500 per sq ft.

IMT Manesar has created a huge demand of residential real estate in Manesar. HSIIDC (Haryana State Industrial & Infrastructure Development Corporation) was not successful in fulfilling the housing demand of the area. Many projects like Unitech Karma lakelands, DLF City, DLF Express Gardens, Anant Raj Madella have also offered an investment opportunity and are also destination for end-users. The current price in Manesar is in the range of Rs 5000-7000 per sq ft.

Many reputed developers like Tata Housing, Raheja, Gold Souk, Parsvnath, Godrej, IREO, Central Park, Universal, and Paras are coming up with their new projects in this region. Raheja Developers has launched Aranya, an integrated township close to IMT Sohna while Gold Souk is planning to launch Gold Souk Golf Links. Unitech Group has a number of projects like Uniworld Garden 2, South Park, South City 2, Unitech Sunbreeze, Unitech Vistas, Nirvana Country 2 and the Residence along the main Gurgaon-Sohna Road. The proposed infrastructure continues to add value to the emerging new realty hotspot of NCR making it favourable for long-term investors. Properties are available at a price range of Rs 4000-7000 per sq ft.

All these three towns have good potential for real estate development in the terms of both residential and commercial. This demand is caused by all these infrastructure and industrial developments which are happening and are planned in these areas

#Aspects of #home #loan #Seeker #should #know #what #bank #home #loan

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.

krish Harmony

·  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.

. Krish Group, Bhiwadi : Residential  Apartment and Commercial Space for office, shops, Reputed Developer of Bhiwadi

Krish group provided the residential and commercial property which having bank approved and loan are available up to 80% of property amount. The Residential Project like Krish Icon , krish Aura , Krish Vatika phase 1, krish vatika phase 2, krish city 1, krish city 2, krish city height ,Krish Seasons- Plots & Group Housing,Commercial project krish mall and krish Square .

Choosing between a commercial or residential investment

When you invest, you can choose between buying a commercial or residential property. But both options come with their own advantages and disadvantages.

When deciding to invest in either commercial or residential real estate the first thing to do is towork out the annual return or yield.

Commercial properties are used for business like retail, office space or industry. Generally, commercial investments involve stricter lending conditions and a larger deposit than residential property.

Advantages

• Tenants are generally responsible for outgoings like rates and insurance.
• Tenants are more likely to make improvements that will increase your property’s value.

Disadvantages

• Commercial properties can sit untenanted for long periods, particularly in uncertain economic times.
• Commercial properties typically have lower capital growth potential because the building (which will depreciate) takes up most of the land.

Here’s a good commercial property scenario:

After doing the maths, Meagan, an IT professional, decided to invest in buying a retail shop on a busy inner-urban shopping strip. Using a leasing specialist, she soon attracted a brand-name tenant who spent Rs 20,00,000 fitting out the space including a mezzanine the owner wanted to use as an office.

Such capital expenditure was a great reassurance to Meagan as, not only did it mean the tenant would want to stick around to recoup their investment, but it also delivered a great capital improvement to her property.

Questions about commercial property

Before you plunge into commercial property ask yourself the following:

• Can you afford to service the debt while the property is untenanted?
• Is it in a growth area surrounded with good infrastructure like transport networks and services?
• Does it attract the sort of tenant who will stick around for the long term?
• Does the building suit the tenants you’re after?

Residential property

Advantages

• Residential property is less likely to stay untenanted for long periods.
• Residential properties have a higher land-to-building ratio than commercial, so usually offer higher capital growth because land values go up, but buildings depreciate.

Disadvantages

• Residential properties typically deliver a lower return because you can’t charge as much rent as commercial properties.
• You’re responsible for maintenance costs. 

Now, it’s a matter of finding the right residential investment property for your needs and budget.

Digital Marketing Course

As the digital marketing landscape continues to grow at a rapid pace, marketers are faced with new challenges and opportunities within this digital age.

The Digital Marketing Course is an initiative designed to educate students in the area of Digital Marketing.

Students that plan to undertake the Google Online Marketing Challenge are encouraged to complete the Digital Marketing Course, as the skills learned in this course will help shape your advertising goals and strategy for the Google Online Marketing Challenge.

Modules

Before the course we recommend that you complete the pre-course preparation.

While undertaking the course we encourage you to review the supplemental material provided in the ‘Course Packs’ section. This supplementary material is optional and is for introductory, intermediate and advanced students.

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AdWords Certification

Upon completing the Digital Marketing Course and the Google Online Marketing Challenge, we advise to undertake certification exams.

The Google AdWords Certification is a globally recognized stamp of approval which showcases your knowledge of the latest AdWords tools and best practices as well as your ability to effectively manage AdWords campaigns.

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
________________________________________
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.

Why real estate Ponzi scheme will continue despite new Real Estate Bill

On 7 April 2015, the Union cabinet cleared the Real Estate (Regulation and Development) Bill. The Bill essentially mandates that every state needs to set up a Real Estate Regulatory Authority (RERA), to protect consumer interests. Real estate policy. Reuters

Every commercial as well as residential real estate project needs to be compulsorily registered with the RERA of the concerned state. Real estate companies need to file project details, design and specifications, with the concerned RERA. They need to put up details concerning the approvals from various authorities regarding the project, the design and the layout of the project, the brokers selling the project etc., on the RERA’s website.

Consumers will be able to check these details on the website of the real estate regulator. Further, only once a project is registered with the RERA will it be allowed to be sold. Also, like is the case currently, a real estate company will not be able to go about arbitrarily changing the design of the project midway through the project. In order to do this the company will need approval of two thirds of the buyers.

If the real estate company makes incorrect disclosures or does not follow what it has stated at the time of filing the project with the RERA, it will have to pay a penalty. There are other provisions also that seek to protect consumer interests. Real estate companies will have to clearly state the carpet area of the home/office they are trying to sell, instead of all the fancy jargons that they come up with these days. Further, the bill allows buyers to claim a refund along with interest, in case the real estate company fails to deliver.

So on paper the bill actually looks great. But there is one provision that essentially makes all these provisions meaningless in a way. The Bill requires real estate companies to compulsorily deposit half of the money raised from buyers for a particular project into a monitorable account. This money can then be spent only for the construction of that project against which the money has been raised from prospective buyers.

This is an improvement from the way things currently are. The way things currently work are—a real estate company launches a project, collects the money and then uses that money to do what it feels like. This might mean repaying debt that it has accumulated or diverting the money to complete the projects that are pending. Given this, at times there is no money left for the project against which the money has been raised. In order to get the money for that, another project will have to be launched. Meanwhile the prospective buyers are stuck.

Developers love launching new projects simply because it is the cheapest way to raise money. Money from the bank or the informal market, means paying high interest. Hence, they raise money for the first project and use it to pay off debt or the interest on it. To build homes under the first project, a second project is launched. Money from this is then used to build homes for the first project.

Now, to build homes promised under the second project, a third project is launched and so the story goes on. In the process, all the buyers get screwed and the builder manages to run a perfect Ponzi scheme. A perfect Ponzi scheme is one where money brought in by the newer investors is used to pay off older investors. In this case money brought in by the newer buyers is used to build homes for the older buyers.

The Real Estate Bill seeks to stop real estate companies from running such Ponzi schemes. As explained above, half the money raised for a particular project needs to be deposited in a monitorable bank account and be spent on the project against which the money has been raised.

The thing is when the Bill was first presented in the Parliament in 2013, the real estate companies had to deposit 70 percent of the money raised against a particular project in a monitorable account and spend that money on that particular project.

Between then and now the real estate lobby has been able to dilute the 70 percent level to 50 percent. What this means that the real estate companies can still use 50 percent of the money raised against a particular project for other things. And this will essentially ensure that the real estate Ponzi scheme will continue.

Real estate companies will continue to launch new projects to raise money and use half of that money for things other than building the project for which they have raised the money for.

Also, this provision will allow the real estate companies to continue to hold on to their existing inventory and not sell it off at lower prices in order to pay off their debt, given that they can continue to raise money by launching a new project.

The question to ask here is why should a ‘new’ regulation allow money being raised for a particular project to be diverted to other things? It goes totally against the prospective buyers who are handing over their hard earned money(or taking on a big home loan) to the real estate company, in the hope of living in their own home.

A possible answer lies in the fact that if the government had regulated that the money raised for a project should used to build that project, it would have closed an easy way that the real estate companies have of raising money. This would have ultimately led to real estate prices coming down. And any crash in real estate prices would have hurt politicians who run this country, given that their ill-gotten wealth is stashed in real estate.

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Five factors that define successful real estate investment

One must begin with selecting right location and right asset. There is a need to conduct due diligence and financial analysis in the process. Stay focused on your goals and have an exit plan in Place.

For any investment, the ultimate goal of an investor is to make money. Real estate is one of the preferred asset classes among investor groups across the globe due to the handsome profits attached to it. Nevertheless, it is also true that making serious money is not that easy, and real estate investment is not an exception. Within real estate, there are numerous asset classes, such as residential, commercial, land and retail. There are also various strategies to make money, such as owning and renting, buying and selling, buying shares of real estate companies, investing in real estate investment trusts (REITs), and so on. Each of this strategy involves a few basic steps like determining your investment horizon, researching the market, finalising an asset, financing the purchase and selling the property.

The key factors that define success in real estate investment are determining location/asset based on the time horizon, researching and conducting due diligence, considering all costs in the financial analysis, defining an exit strategy and setting aside a set time to pursue real estate goals.

# 1.Selecting location and asset – The first step in any real estate investment is determining a location and then selecting an asset within that location. The investment horizon plays a key role in determining location. Generally, emerging locations need a longer time to develop, and sometimes, exit becomes difficult if development does not go as expected or as per the initial plan. Thus, if you are planning to invest in an emerging location, keep your investment horizon longer to avoid any financial distress.

# 2.Researching and conducting due diligence – Real estate investment is also filled with potential challenges and pitfalls. With developers invariably delaying projects and delivering sub-quality products, it is very important to research and conduct proper due diligence, which involves checking a developer’s track record, quality of previous projects, financial condition, and so on.

# 3.Conducting financial analysis –Another key to success is to familiarise yourself with tax structure, payment plans, mortgage calculation, and others. It is important to determine your personal wealth, growth prospects and the maximum amount of loan for which you are eligible. Real estate investment comes with uncertainties in terms of project completion, quality of product and exit, among others. Thus, to avoid financial distress, it is important to keep a buffer always.

# 4.Defining an exit strategy – Ideally one should exit after achieving the targeted return on investment. Some investors choose to hold the cash flow properties indefinitely. However, it may not be the best decision for them. For example, residential properties are yielding anywhere between 2 to 4% a year in India. It’s good to hold the properties for a longer horizon but sometimes, delay in exit impact the overall internal rate of return (IRR). Thus, exit strategy is as equally important as selecting a property to buy.

# 5.Stay focused – All the four key factors of setting goals, researching opportunities, implementing plans and financial analysis may be in vain if you do not keep an eye on changes in market trends and make adjustments to your plan accordingly. Thus, you need to set aside a time to pursue real estate goal.  Investing in real estate requires proper time allocation for continuous assessment of market trends and opportunities to overcome the challenges encountered.

Given the foregoing, what matters most is taking a reasonable approach, challenging your own assumptions, learning factors that influence outcome and keeping track of where money is made and lost in your overall real estate investment.

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Mobile Drives Year-Round Popularity of SXSW Music Videos

Music, tech, film—and barbeque—fans are expected to descend on Austin, Texas, this week for the annual South by Southwest (SXSW) festival, pouring$315 million into the city’s economy. People are attending the event in higher numbers than ever: In 2014, an estimated 55,000 visitors checked out music showcases, 72,035 attended film screenings, and 45,500 visited the gaming expo and arcade. With so many influencers, early adopters, and fans on site, the growing cultural impact of SXSW has made it a mainstay for brands keen to reach these audiences.

While brands can (and do) engage with SXSW fans on site, they have limited opportunities to connect with specific audiences at the event. This is especially true for music fans, who step in and out of showcases at the event. But engagement doesn’t have to end when the festival does. Driven by mobile, U.S. viewership of SXSW-related content on YouTube grew by 62% in 2014. This is creating opportunities to reach SXSW fans now beyond Austin’s city limits.

ROCK ON: SXSW MUSIC ON YOUTUBE

Every March, music fans head down to SXSW to discover new artists. Year-round, they do the same thing on YouTube. In fact, one in five U.S. adults (20.6%) say their favorite part of YouTube is “getting music they can’t find anywhere else,” according to a recent Google Consumer Survey.¹ On top of that, the survey revealed that even more American adults (25.7%) call YouTube their “top source” for discovering new music.

So it’s no wonder that SXSW music content—videos uploaded by the SXSW channel, footage from artists’ performances, and various user-generated content—is increasingly popular on YouTube. It’s also increasingly evergreen. Some of the most popular SXSW videos of all time include performances by Sia, Katy Perry, Foster the People, Amy Winehouse, and Imagine Dragons, all of who were introduced to the American mainstream at the festival. And their performances live on, individually fueling millions of video views:

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