Skillful Command Of The Hammer Over The Chisel

It is aptly said that “life is architecture & architecture is the mirror of life.” depicting the nomadic life are the Ajanta Caves.

Magnanimous & beautiful, the Ajanta Caves in Maharashtra are breathtaking & illustrate the history in a visually enticing manner. Located merely 55 kms from Jalgaon city & 105 kms from Aurangabad these are prominently known as the world’s greatest historical monuments. Discovered in AD 1819 these caves are dated back to the 2^nd Century BC. These 30 rock-cut cave monuments boast of never seen before architecture. Out of the 30 caves in Ajanta 9, 10, 19, 26 and 29 are Chaitya-Grihas (in modern texts on Indian architecture, the term chaitya-griha is often used to denote an assembly or prayer hall that houses a stupa)and the rest are monasteries. Depicting the Jakarta tales these caves include paintings and sculptures that are considered to be masterpieces of Buddhist religious art. All the rock-cut caves have paintings on the verandahs, inner walls and ceilings, revealing some of the most beautiful masterpieces of world art.

There are also symbolic Buddhist mounds called Stupas, and cells for monks called Viharas. There are giant sculptures of Buddha's, Bodhisattvas (potential Buddha's), or Taras (female Buddhist divinities), as also Dwarapalas (doorkeepers).

All the paintings show heavy religious influence and are centric to the live of Buddha, Bodhisattvas, and Jatakas. The paintings are executed on a ground of mud-plaster in the tempera technique.

Factors To Be Considered Before Taking A Home Loan.

“Roti! Kapda aur Makaan” , have always been the pillars of our survival. All the hustle and bustle, the painstaking routine and the work hard attitude is done to earn the best of the above. Apart from the lucky lads majority of us need to work in lieu to conquer the Makaan pillar. With not many options & luring asset in hand one opts for home loan to get his “Sapno ka ghar.” With so many banks & financial institutions in the market today it is natural to get stuck in a dilemma to make the best of decision.

One minute just stop & think, what is the purpose of buying the property, investment or residing? If you are clear on this then do check the credibility of the property, its location, builder’s history because one loophole would take you no where.

After gathering all the information, first & foremost check your CIBIL score. Good CIBIL score is considered 750 & above. If your score is 750 and above the chances of getting loan approved quickly are higher.  (Score check -  https://www.cibil.com/online/credit-score-check.do at just Rs.470.

Then go through the RBI guidelines. These guidelines will give you a clear insight, as how much loan you can get. If your requirement is for Rs.20 lacs you stand a chance of getting loan approved for about 90% & if your requirement if for more than Rs.20 lacs, the percentage boils down to 85%.

With the RBI guidelines in mind you can then look up at banks of your preference. While checking out the EMI percentage, specially check the processing fees formulated by them. The EMI plays a pivotal role while selecting a bank but we often are mislead as we don’t consider the tenure applied for. If you are aiming at investment as a home loan the tenure could be maximized keeping the EMI to the minimal.

 Banks put across luring advertisements and offers but there are many conditions under the quilt. Do consider the hidden factors too.

Lastly, it is misinterpreted that financial institutions aren’t a good choice while opting for loans but when put against banks & their offers today, the financial institutions are no less & if vouched for, they stand at a better place, with great leverages.

Before taking a home loan consider the above factors because it’s all about your dream home and that hard earned money!

Real Estate Development in PCMC

There’s something about Pimpri Chinchwad that is quite different from what goes around in the rest of the city and its property market. PCMC is one of the prime examples of how a planned satellite town can surpass the emergence and growth of its parent city, Pune in a very short period of time.

The influx of industries in PCMC has created tremendous employment opportunities for the masses. As a result of this, the quality of infrastructure in PCMC has improved exponentially. This indirectly results in residential real estate demand.

Some of the most important features of PCMC are as mentioned below:

1. Pimpri Chinchwad offers ample connectivity to Pune via road and rail
2. Presence of a large MIDC area generates countless job opportunities every year for the masses
3. Quality of infrastructure in PCMC is far more superior than what the parent city offers
4. The planning authorities for PCMC’s real estate development have ensured that the development process strictly follows a planned model, making sure that a high degree of living standards in maintained

The futuristic thinking that went into this unconventional satellite city has helped Pimpri Chinchwad to establish itself as an acknowledged masterpiece of real estate development. Apart from the residential and commercial property development, authorities in PCMC have taken care of the fact that the city’s natural, cultural, social and economic resources are preserved.

For a home buyer, PCMC seems like the perfect getaway from the unregulated urban sprawl in Pune and adjoining Navi Mumbai. This has also resulted in real estate appreciation in Pimpri Chinchwad since the potential of new properties being developed in PCMC is more than anywhere else in the adjoining areas. Education, healthcare, shopping and entertainment complexes have raised Pimpri Chinchwad’s value as a residential and commercial hub. It’s time for PCMC now to rise and announce its arrival in the real estate spectrum.