Jul 18, 2020 | Blog, Lifestyle
Why you need an active lifestyle now more than ever may seem so obvious when you weigh in the pandemic. We all know it and we’ve probably given it some serious thought already, but it always helps to have more reasons push you to seek an active lifestyle. We have all been there. Try as we much, we eventually stop. Perhaps these pointers will help you get back on the fitness track.
Stress:
Stress has always run high in this fast paced world. With the pandemic more and more stress related health issues have been cropping up for a large chunk of the population. And these can have grave consequences. Hopelessness and fatigue have hit us hard. Incorporating some exercise and movement into your daily routine can help more than you think it does. Finding a little time to de-stress and unwind can help you stay healthy.
Memory:
With age our brain loses its agility. We forget things we’d otherwise know like the back of our hands. If you find yourself forgetting things easily and asking your better halves “what’s the word for..” more than you’d like to admit, it is time to adopt a more active lifestyle. Exercise the body and the brain to sharpen your memory. Now this doesn’t mean playing games on your mobile. Put the gadgets away. Give the mind a break from the endless cycle of digital consumption.
Energy to fight disease:
When you barely move from the couch to your work station, maybe a trip to the kitchen, and then back to bed, you will find that your body feels more lethargic. Incorporate power walking on breaks around the house as an energy booster in between your WFH day. Your body needs energy to fight disease. With the pandemic around your energy will work harder to prevent illness. Start small. Light activity can help shake off lethargy.
Improved bone and muscle health:
This is an important reason to lead an active lifestyle and exercise often. When you exercise your muscles experience minute tears which the body heals. These tears throw the body into repair mode. The muscles heal and become stronger. You might find it difficult to squat 5 times on your first attempt. Give it a week and you will find yourself easily squatting to 25 counts. Squats are a great way to strengthen your leg muscles and improve knee health. Exercising not only helps improve muscle health but also helps your bone health.
Sleep:
Good news for those who love sleeping. To lead an active lifestyle sleep is probably the most important thing to do. Your body needs rest after exercise to heal and repair. You probably have noticed the effect a good night’s rest can have on your day. If you sleep well you’re recharged and refreshed to take on your day. Exercising helps you sleep better. If you stay awake watching your favourite new series in bed you’re doing more harm to your body than you’re willing to accept. You might use the most favourite excuse we all like to cite. “It helps me relax and de-stress”. Exercise can help you de-stress and relax better than any series online. Don’t bring your phone to bed. Put it away. Treat your sleep time like a holy ritual. Practise a routine to help you fall asleep quickly. If you get enough exercise in the day, you will fall asleep quickly. Good 8 hours of undisturbed sleep will keep you healthy.
Enough with the excuses just get on with it. Start slow but keep give your body a challenge when you think it’s ready for it. The same exercise routine without any changes won’t help your fitness levels grow. Conquer your routine and then include a challenging new bit to it.Conquer that and include another. Repeat.
At Protech, we devote good time in understanding the lifestyle challenges one faces every day. We build homes that are designed for a good life with walking tracks, community health facilities and more. Click here for our latest project. We’ve built it with love keeping your good health in mind.
Jul 11, 2020 | Blog, Buyer Concern
The first nugget of investment wisdom one receives in an Indian household is – why owning a home so important for a healthy financial life. Save and invest wisely they’ll say. Put away a bulk of your income as savings before you work out on an expense budget. Consider long term planning over short term overspending. So, invest in a home as early as you can, but is buying a home really a wise decision?
The short answer is –yes. Let’s explore why.
Real estate prices are always on the rise
Haven’t we all envied those who inherit timely real estate investments? Large properties and spacious homes bought when the prices weren’t skyrocketing. A massive profit is made on these investments. It’s time to put what you know to be a proven fact into action. Prices may fluctuate temporarily but they’re always going to rise over time.
It’s a straightforward learning. Prices will rise. So, invest early on to reap a higher return on investment especially when it comes to buying a home. Real estate is a wealth accumulating strategy.
Peace of mind
It’s no secret that buying a home ensures peace of mind in the long run. Whether it’s a career switch you’re planning or investing in a business, buying a home of your own to fall back on will always mean financial security. Apart from jotting down a permanent address on all your forms, you will have a place that will always be home.
It means sustainability and stability. In unsure times it is a fool proof security to take on risks. Arguably the biggest strength backing you up as you forge forward and make your way in the world.
Your safe harbour in troubling times
The current COVID19 pandemic is teaching us all important life lessons. Owning a home in these uncertain times is a proven advantage. Do you have somewhere to go? Do you have guaranteed rights as a homeowner? Have you built an asset to tide you over when things are going wrong? Come what may, if you own a home, you and your family will have a safe haven to come back to and rely on.
Under lockdown, many have lost their jobs and are forced to move back home. Renting under these circumstances can be a problem with its own set of complications.
Freedom
Freedom to decorate, furnish, plan and create your personalised living space. It is tiring to be bound by a landlord’s restrictions on what you can and cannot do. From hanging up photo frames, painting the walls a colour of your choice, renovating and customizing your kitchen to your exact needs, owning a home is absolutely important when it comes to building a life and a suitable lifestyle. Absolute freedom for all your choices, you are the master of your fate and your home.
Prepared for retirement
The first sign of a life well lived and a future well secured, is having a home to retire to. You work hard to save up and retire. A secure retirement is rent-free with plenty of savings and hopefully a pension plan. When you’re older and reliant on others, you need stability more than ever. Owning a home is important for financial independence in your old age. Build today what you need tomorrow.
Buying a home early can help you build your today with what you will need tomorrow. The sooner you do it, the sooner you secure your future. Tax benefits, schemes, buyer-friendly loans and payment plans that suit your exact needs are extremely helpful for someone looking to buy their own home.
If you’re looking to buy a flat in Guwahati, Protech Group is the best builder. It’s a long term investment. Visit www.protechgroup.in today as 100s of happy families have placed their trust in us and secured their future. Come join our growing community. Speak to a representative today. Click here to request a call back.
Jul 3, 2020 | Blog, Buyer Concern
Guwahati is emerging as a preferred choice of abode for many people. As a result many real estate projects have come up in the last few years. At this time of economic slowdown, investing in real estate is best rather than investing in stock market. The Reserve Bank of India (RBI) has now made some changes in its monetary policy. RBI has slashed Repo Rates by 0.75 basis points. This decision by the Central bank on flexible home loans interest rate has given a real opportunity for home buyers. This has lowered the home loans interest rate for private and public sector banks between 7.20% and 8.05%.
Home loans at considerably low interest rates will allow savings which could be used for further investment purposes. Also the savings from reduced EMI will allow the borrowers to opt for another loan with a lesser interest rate. The borrowers can utilize these savings to purchase a higher loan amount and widen his/her choice in terms of the property. The current home-loan situation also allows the borrower to go for a fixed rate rather than a floating one. Banks will charge premium for home loans with a fixed rate. This allows the borrower to fix the interest rate at a lower level.
Let us briefly touch the 5 important reasons why you should consider a real estate now-
Slash in Repo Rate by 4%- Repo Rate is down by 4%. Home loans have become relatively cheaper thus providing an excellent opportunity to invest in home loans.
Reduction in interest rates for home loans– Major banks will reduce the interest rates in home loans; therefore, it is the best time for homebuyers to avail a home loan. Even in some areas your mortgage payment could be lower than your rent.
Increase in savings– Availing a home loan at a fixed interest rate will help save a few lakhs on interest payments. Secondly, new homeowners will get the highest benefits in terms of tax payment. You can deduct the interest you pay on mortgage from your taxable income.
Lesser EMI on home loans– It is a good time to buy an under construction flat. A lower EMI on home loans will make it easier to pay your rent as well.
Subsidy for women homebuyers– This is the best time for women homebuyers to buy an under construction flat with a 0.5% subsidy on home loans.
Owning a house of your own will give you a sense of security and stability. Buying a home is one of the best investments a person can make. To help you with your housing needs, Protech Group is committed to offer the best residential and commercial real estate solutions. For further information, visit our website www.protechgroup.in and fill in the contact us form. Our expert advisor will get in touch with you.
Being a pioneer in real estate promotion and development in North-east India with over 14 years of experience, we have several completed and ongoing 2BHK, 3BHK and 4BHK residential projects in Guwahati to our credit. We provide our customers with the best in class amenities and facilities in all our projects.
Jun 30, 2020 | Blog, Buyer Concern
In India, women are finally stepping out from confines of their homes and are actively pursuing their dreams. They have slowly started moving forward towards better final independence and stability. In any Indian household, women always manages the household finances and yet owning a home falls under the male bastion. But today the real estate market in India is witnessing a major increase in women home buyers.
A survey by the Economic Times in 2019 shows that about 42% of women prefer investing in a home. Property investments are a good for building long term financial stability for women. Women prefer investing in bigger and livelier cities where there are employment opportunities, safety, and good standard of living. Like in Assam, the city of Guwahati has better employment and educational opportunities as compared to other prominent cities. The government, real estate sector, and even banks now have various schemes offering vast benefits for women home buyers.
Advantages for women homebuyers in India:
Home Loans at Lower Rates
All the major banks and financial institutions in thecountry offer home loans to women at lower rates. Apart from that, they also have multiple schemes and offers for women. SBI offers ‘Her Ghar’ home loan for ladies specially aimed at making home owning a real possibility for every woman. With HER GHAR loan SBI offers you a concessional interest rate of 9.50% per year. Also, the extension for the repayment tenure is maximum 30 years. The application process is also very minimal requiring only a few documents and very less processing charges.
Discount in Stamp Duty Charge
In most states in India, the stamp duty charges are comparatively lesser for women in contrast tothose for men. The stamp duty for women is comparatively 1 or 2% lesser with no obligation to being single or joint owner. In Assam, the stamp duty for women is 4% in urban areas for a property within 40 lakhs. So if you are looking to buy a flat in Guwahati, there are good savings on the stamp duty charge.
Tax Benefits
Both men and women are eligible to tax benefits of Rs.2 lakhs against the home loan interest. In case of a joint property, the wife can claim individual tax deductions presenting her own source of income. As per the new 80EEA Act, a flat bought in the FY 2019 – 2020, additional tax deductions of Rs. 1-5 lakhs is available.
Benefits under PMAY scheme
Women are the preferred class of homebuyers under the PMAY (Pradhan Mantri Awaas Yojana) scheme. Under this scheme, even a single or unmarried woman can apply and avail a loan. Also, in this scheme it is mandatory that there should be a woman co –owner of a flat. In this case the government also provides a subsidy of up to 2.67 lakhs. Women under the economically weaker section can get interest subsidy of 6.5 % against home loan of Rs. 6 lakhs.
A home, registered in a woman’s name provides her financial relaxation to some extent. The government cannot claim property registered under the woman’s name, in case of monetary loss by the family or business.
There is nothing a woman is not capable of. Women are now taking over the male dominated territory of owning homes. There are many more graceful changes and this also indicates the arrival of better times. With all the above mentioned facilities, a woman is able to make wiser decisions in terms of property investments. Soon, we will witness a rise in the number of women home buyers in our country.
If you are a working woman intending to buy 2/3/4 BHK flats in Guwahati, visit Protech Group – https://protechgroup.in/. Since its establishment in 2005, Protech Group has delivered 11 residential projects. You can also reach us at (+91 98540-47000).
Jun 27, 2020 | Blog, Home Décor
The world around us is getting smarter. We have today, access to smart phones, smart TVs, to smart cars. Did you know that you can make your home smarter too? Smart homes have become a trend today. Almost every second home in a big city is a smart home. Not only this, a smart home also means that you can take care of your home’s security without being at home. There are many effective ways to convert your home into a smart home. You can now buy a flat in Guwahati or an apartment and then convert it into a smart home. Now if you have no idea about what a smart home is- it is the smarter way of controlling multiple features in your home by not physically being there but via a device – your phone. Cool, right?
Smart homes are basically designed to make your home digitally capable, exactly the way you want. “Smart” indicates internet enabled system or syncing up with Wi-Fi. If this is enthralling you, then let us find out five innovative ways, through which you can convert your home into a smart one.
Smart Lighting
The lights fitted in your home attract the first gaze of whoever visits your home. It is high time that you convert your boring lights into smart LED ones. Smart bulbs have all the essential functions like the brightness control, colour changing mode and also automatic on and offs. There are also mechanics of syncing the lights to the sound of your voice with voice control. With modern technology you can also adjust the light settings of your room adapting with your TV screen display. With such settings, you have more control and you can set schedule it according to your convenience. You can also sync the settings with your personal cell phones and you can operate the lights using your mobile even when you are not at home.
Smart Plug
Smart plug is a basic home item but very useful. You can easily control with an app when the appliance is plugged in to its main socket. This app is very useful and can help you maintain your electric bill cost efficiently. If any machine at your home is on while you are outside, you will get a notification on this app. Also, through this app, you can prepare your morning coffee even before you get out of bed, you can shut your lamps while not being there, etc. like magic at your fingertips.
Security Systems
Security is one important aspect you should consider. You should be aware of whatever is happening within or outside your home whilst you are not physically there. An automated system will alert you in case any nuisance is recorded in your home. You can check every activity that is going on in or outside your home from your smart phone through an app. This app gives you access to the entire security of your house at your fingers. Through this you can also check moisture detectors, etc. You can also keep track of the safety of the elders or kids in the house.
Smart AC
Air conditioners are one of those electrical appliances that cost us a fair deal. Earlier we had to keep our AC on constantly thereby wasting energy and money. But now it is time to switch to a smart AC. You can easily operate your AC while not being at home, change the temperatures using your phone, and can even turn on your AC minutes before you reach your home. Also these smart ACs are able to automatically program themselves according to the suitable temperatures at different times of the day.
Voice Control System
Voice control system is one of the smartest things that can happen because it enables you to control everything in your home using a few voice commands. The system is smart enough to recognize and record your commands and perform accordingly. You only need to command your system to do chores for you like switching off the lights or disabling the alarms and everything will be done automatically. And no, we are still in 2020 and witnessing such miracles with only more to come.
These are a few ways through which we can convert our boring apartment into a smart home. All these smart systems have become very essential in today’s lives and especially in the urban areas where life is very fast. If you are looking for 2/3/4/ BHK flats in Guwahati, you can choose a home designed for Smart Home readiness, explore our on-going projects by clicking here. You can enjoy the 3D animation and VR videos of our on-going projects and take a tour of your future home. We have two on-going projects, Protech Akansha and Protech Galaxy, and few more in the pipeline. To know more you can also visit our social media pages.