Get Vastu Tips For Home, Office or Plot for Peaceful Living

Vastu is an important concept that people take a good care, while constructing their living and working place. It is quite obvious that you could never envision the supreme and heavenly energies with our naked vision. But you could sense the effects and influence of those supreme powers in several aspects. World is the biggest gift that is being created by god and everything stays good under the prominence of truth. Similar to every workout, the human life and living is governed by the supreme power of the dwelling position and construction known as Vastu. Vastu principles are really important that has to be taken into the consideration, while you construct your house and living area. Here are some of the essential Vastu tips that will really help you to make a peaceful living!

• The direction of the office entrance way  
• The right direction of the placement beams 
• The right direction to fix the doors and windows  
• The right direction and setup of the owner room  
• The right direction for the employees to work  
• Construct your house in such way it admits bright light into the main doorway  
• It is really advisable to allow 5 doors of a maximum opening  
• Setting television in the bedroom area is not recommended  
• Keep the plants and water sport far from your bedroom  
• Never split bed sheet and bed mattresses  
• Set your house furniture in the form of circle, square or as octagon  
• Keep the corners bright  
• It is good to fix an image of bright sun in the southern wall of the living area  
• Construct your bedroom, where wind must blow from south to west  
• Your house dinning hall must never get exposed to the entrance door of the house  
• Setting a mirror in the kitchen room is not recommended  
• Do not place the mops and brooms in the kitchen. Keep it far aside  
• It is good to keep the doors of your toilet and bathroom closed most the time  
• It is good to set your windows opened towards out face  
• Growing of pricking plants like cactus in your house is not advisable and recommended  
• It is good to place the fish aquarium in the southeast corner in your living area  
• It is good to stick a happy family photograph or picture inside your living room 
• Growing of high trees such as Bangan, Thorny trees and Pipal is not good and recommended  
• Ensure that the lift gate is not set in face of the entry main gate of your house  
• Building your house rooms in shape of oval, or circle or triangle is strictly not advisable  
• Your house should never be in disturbed by any obstructive buildings  
• Ensure that your house is good with right air circulation and water source  
• Your latrine seat must be kept facing towards northern south  
• It is good to sit facing the doorway, while you sit in your office  
• It is good to set a mountain wallpaper behind you in your office 
• Never keep a ladder that faces towards west or north, as it makes waste of money  
• Never wear torn clothing, withered flowers, as these will prevent the goddess Lakshmi entering into the home

Remain a Tenant or choose Builder EMI Sharing Schemes to become home owner?

Even if tenants want to invest in a house, financial constraints discourage many buyers as they have to pay rent until the property is ready for occupancy and bear the EMIs (equated monthly instalments) of the home loan. To help people who plan to buy a house (new sale), some developers and builders have introduced a concept called EMI sharing to help customers find the EMI payment during the construction phase itself.

It is an arrangement whereby the housing loan borrower do not have to pay the EMI until occupancy. The developer building the property will pay the home loan instalments for a stipulated period, could be between one to three years (only the interest portion and not the principal amount). Some builders offering this option are Emaar MGF Land, SG Estates, Ramprastha etc.

EMI sharing options can be opted with down payment, construction linked loans or flexi loans. Down payment option with EMI sharing will be the most beneficial for investors because the under construction linked loans or flexi loans payments to the builder are milestone based and the EMI is charged accordingly to the home loan taker. Builder participation in the EMI will not result in as much saving as in case of down payment. But the big disadvantage of the down payment option is that the builder receives the entire flat cost upfront reducing your bargaining substantially if there is any problem later.

Home loan taker is not financially strained by the EMI payments to pay rentals on the house taken on lease. This helps him manage his cash flows better. A proportion of the EMI paid by the developer is a discount offered by him which can reduce cost of the flat.

All EMI sharing schemes are time bound - 24 months, 30 months etc. So the builders’ obligation is restricted to the predefined deadline. In case of any delay in the project, the obligation of payment of EMI after the predefined deadline rests with the home loan taker. So it is essential for you to look for this clause in the agreement and bargain for the payment to be up to possession which means even if the project construction is delayed, you are covered.

For the bank, you are the home loan taker and hence all payment obligations will rest on you. Your account will be debited every month expect in rare cases where banks have started the subvention scheme.

The interest rate at which the builder will pay the EMI will be fixed at a particular rate. So if it is a floating rate loan and interest rates were to rise, the payment obligation to the extent of the rise will be borne by you. The builder will not pay for it.

Builders or developers attractively market this scheme by calling it Zero EMI payment till possession, or low EMIs before possession. The EMI payment before possession done by the builder is taken into consideration by him while quoting the price of the flat. So do not get fooled by the marketing strategy. EMI sharing option does not provide you with additional discount and hence do not opt for this scheme for this reason. If discount is what you want then down payment mode of payment without EMI sharing will be the most beneficial because the builder will offer maximum discount as he receives the entire payment at the beginning itself.

EMI sharing scheme is best suited for those who find it difficult to manage cash flows because of dual payments of rent and EMI on the loan, before getting the possession of the property.

If you trust the builder then opt for down payment with EMI sharing to enjoy maximum cost advantage. Here since the builder receives the entire amount upfront and so you are at the mercy of the builder. If there is any issue such as delay in construction you will not have any say as the full payment to the builder has already been made. If you are not sure of the builder’s credentials then construction linked plan or flexi plan is the best option. Although you may not end up saving as much money, it is still a much safer option as the full payment is not made to the builder.

Ref. Financial Express

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