Vaastu Tips for choosing a new Apartment / Flat


If you are about to buy a new home or an apartment, there are several Vastu aspects of the property that you must check.

The Indian architectural science of Vastu Shastra, has been a basis for identifying and developing the best living spaces. Vastu-compliant plots and homes, help the inhabitants to live their lives with more happiness, wealth, health and prosperity. This ancient practice has gained popularity in the real estate space, for identifying the best places, plots and structures for residential purpose.

While evaluating the design plan or layout of a plot or a construction (flat or apartment), the first consideration should always be for a good entrance. The entrance holds the key to ushering in positivity and happiness for the entire family.

Each living space has 32 possible locations that can function as an entrance of a building. Each of these 32 locations, has their own significance and affects our lives accordingly.


  • For instance, an entrance in the south-east zone, the Vastu zone of cash, results in delayed payments.
  • A south-west entrance is among the least Vastu-compliant entrances and families living in such homes, can face monetary and relationship issues to a great extent.
  • If you have an entrance in the north, you can expect great success in monetary and business matters, as well as opportunities in your career.
  • If your chosen property or apartment does not have a Vastu-compliant entrance, you can still buy the property and apply certain simple Vastu remedies.

Room Location-:

Avoid buying a house with bedrooms located in South-South-West, West-North-West, and East-South-East Vastu zones. Similarly, toilet in the North-East and South-West must be avoided. A shop or house having right planning as per the attributes of 16 Vastu zones attracts money, footfall, gains, profits and better health.


While buying resale homes, you need to check right placement of symbols, paintings, sculptures and household articles and appliances. For example, if there is a swastika or Ganesha made on the main door, you must remove it immediately after buying the property.

As far as the kitchen appliances are concerned, the cooking gas or the gas stove should be ideally placed in the South-East or the South-South-East Vastu zone. If kept anywhere else in the house, it can be treated by a stone slab of an appropriate colour and material.

Home Loans- best way to finance a housing deal !


Home Loan is a sum of money borrowed from a bank (nationalized or private) or a housing finance company to purchase a house. The younger generation is keen on making the biggest financial investment at a very young age and the biggest felicitator is the home loan advantage offered to a home buyer. Home loans make it easier for an individual to buy real estate early on in life for investment purposes or as an end user.

Home loans are seen as a big liability due to the big amount and the long repayment tenure, however these loans offer many benefits that provide relief to the individual. Firstly, they help one is securing a home, which is everyone’s end goal in life. Second, home loans mitigate the risk of investing in property, if banks for home loans already approve a real estate project; it means it is a trustworthy project. Repayment of home loan through EMI’s is a long process of over a decade and during this tenure the market rate fluctuates impacts the rate of interest. During this oscillation the rate of interest decreases and provides an opportunity to the individual to repay the loan. Home loan is available for every individual in exchange for some proofs and documents for the validation. An individual can avail home loan along with other loans like car loan, personal loan etc.

The major factors that should be considered before finalizing the loan provider:

  • Rate of Interest

chart-rate-interestRate of Interest is the most important factor that affects the home loan therefore it is suggestive that an individual should go for a lower rate of interest.

A lower rate of interest reduces Equated Monthly Installment which is easier to repay and also increase the chances of availing higher loan amount. Banks and financial institutions have set different rate of interest for men and women. The banks or financial institutions evaluate the salary or the source of income and based on that decide the rate of interest, and the amount of loan.

  • Type of Interest

The banks or financial institutions offer to types of rate of interest- floating and fixed. It is advisable to consider the type of rate of interest that a bank is offering before deciding. Most banks offer a floating rate of interest and not the fixed rate.

In the fixed rate of interest, the loan repayment amount is fixed and same percentage is charged throughout the loan tenure, irrespective of the fluctuations in the market rates. It remains fixed as contracted at the start of the loan process.Floating rate of interest as the name suggests fluctuates with the change in the market rates. As the market rates go down, the rate of interest also goes down providing an opportunity to the individual to repay the loan. Usually, the rate of interest is reset every 6 months depending upon the oscillations in market rates.

  • Tenure

Tenure is another factor that affects the home loan and repayment conditions. Most of the banks offer home loan for tenure of 20 years but in some cases it also goes up to 25 years. A longer tenure means lower EMI and a higher loan amount.

  • Down Payment

down-payment-planEvery bank asks for a certain percentage of total cost as the down payment. It is demanded to ensure that the loan seeker has some stake in the property. In most cases the down payment is up to 20%, the bank or the financial institution as the home loan provides remaining 80%.

  • Processing Fee/Administration Fee

Every bank charges a non-refundable processing fee to process the home loan application which is usually up to 0.5%, irrespective of approval or rejection of the home loan. Administration fee is charged of approx. 0.5 % during the disbursement of the home loan at the time of giving out home loan cheque. It is suggestive to choose a bank that charges lower fee.

Investing in a Second Home is Profitable


Indian Real Estate industry as a whole has grown multiples. If we look at the stats, it has grown at the rate of at least 10-15 percent every year in the second half of the previous century. Apart from the property market, such an exponential growth is possible only in equities and share, which is relatively riskier, considering the drastic fluctuation in the national and international share markets. In such a scenario, an investment in the real estate market in a second home is certainly a profitable move.

Real Estate has always been a safe and risk-free investment option. If you have saved enough money, invest in a second home and get handsome returns in the future. Always prefer choosing a ready to move flats, so that your investment is safe and you can also expect quick rental returns if you want to rent it out.

If you’ve been thinking about buying a second home, there are some vital things to do before you start shopping.

  • Find a real-estate agent who is familiar with your desired location. This person could provide you information about neighborhoods, market prices and the pros and cons of particular properties.
  • Factor in additional costs. You should consider that you will be away from the property a lot of the time, which usually entails additional costs, such as having a management company check the place in your absence for water leaks, frozen pipes and other problems.
  • Be sure you can afford two mortgages. You have to qualify for a second-home mortgage, which is on top of any mortgage debt on your primary home.
  • Typically, you will need to make a down payment of at least 10 percent, meet credit standards and debt-to-income requirements, and provide documents for income and asset verification.
  • Consider the tax implications of your purchase. If you use your home as a true second home, you could get a deduction for mortgage interest and property taxes, just as you do with your first-home mortgage.
  • If you rent out your second home, you will have to consider additional tax ramifications, particularly if the rental period extends beyond 15 days a year.

Advantages of Buying a Property near Highway


Purchasing properties near expressway or highway have their own pros and cons. Investing in such properties is totally dependent on the preferences of individuals. Nonetheless investors need to pay heed to the important specifics before planning to invest hard-earned money in buying such properties.


Many Builders are at great pains to point out that their projects are close to a major highway or expressway while marketing them. Obviously, there is a lot of national value attached to homes which enjoy such a locational advantage. However, there can be both advantages and disadvantages to buying a home which adjoins or is close to a highway. Both should be considered before investing in a property.


Seamless Connectivity- With the highways having at least 6 or 8 lanes, they offer seamless commute to the city-center and far flung places, which make them lucrative. Additionally, a sound network of social infrastructure is being planned and developed by various state and central government authorities along major highways across the nation, which eventually would improve the overall living experience of the emerging micro-markets in the near future.

Lower Land Cost- Due to abundant availability of land along such highways, the cost of land is comparatively lower than the city’s prime areas and hence, this translates into lower property prices for the buyers. Today, most of the big cities are developing on this model due to land scarcity in Central Business Districts (CBDs).

Township Advantage- The highways usually have integrated township projects where you get everything under one roof. Such houses are available at affordable prices at the moment and the locations are already attracting a lot of investors for commercial properties as well.

As opposed to such smaller projects, integrated townships offer a vastly superior investment and lifestyle proposition. Because of their massive land requirements, integrated townships will invariably be developed on the outskirts of the city. Developers will obviously seek to juxtapose their township project along one of the key highways or expressways in these locations, as this will draw a lot more end-user and investor interest. However, the very nature of an integrated township is that it provides several key advantages to its residents.

Finally, only well-capitalized and highly reputed developers can venture into township development, and such players will at all times ensure that all the legalities and the overall quality of the project are beyond reproach.

Naturally, the premium attached to properties in an integrated township close to an expressway or highway is higher. However, the additional investment is definitely worth it. Apart from the ease and quality of life, they also enjoy a much higher resale value on the property market.

SPARSH- An Associate for Single Parents


Becoming a parent is one of the most beautiful experiences in the life of an individual. Every parent aspires to give their child the best of everything and make sure that the child grows into a responsible and successful adult. Parenting is a process of promoting and supporting the physical, emotional, social and intellectual development of a child. In this complete parenting process a happy home is the key aspect of a blissful and responsible child. Other than the society,a well-knit family plays an important role in the development of a child.

Safety and Security: For a parent the most important concern is the safety and security of the child in their absence. Sparsh offers 24×7 CCTV security and surveillance along with well-trained security staff. The access into the township is guarded by a gated facility where the visitor’s entry will be restricted to only the concerned areas. The entry gates and other areas of the township will be secured by the ex-defense personnel and other well-trained security staff.

Kids Play Areas: For a child sports and outdoor activities are very important but for a single parent it becomes difficult to dedicate the required time. Sparsh- Touch Life is offering kids play area. To enhance the holistic development of children Sparsh is equipped with many physical and sporting activities.

Sparsh is dedicated to being well equipped with the basic facilities and smart features to provide a healthy and comfortable life to the residents of this township. Srivaas Sparsh is offering 24×7 maintenance staff, 24X7 water and electricity supply and various other facilities to help every resident of the township. Apart from the above mentioned facilities, Sparsh offers gymnasium, spa, infinity pools and various activity rooms to keep the children and adults occupied and entertained.

Reformation of Indian Real Estate


The government of India introduces various acts and laws to bring transparency in the property market

With a contribution of approximately 5-6 % in country’s GDP, the Real Estate is the globally recognized sector of India. It is the second largest employer in the country after agriculture. The real estate sector which can be sub-categorized into- housing, retail, hospitality, and commercial has direct, indirect or induced effect on other sectors of the economy. Majority of Indian real estate i.e. 80% comprises of residential spaces leaving 20% for the retail, hospitality, and commercial. With an estimated size of US 12 $ Dollars, the growth of the real estate sector has made India a land of investment opportunities and thus attracting the Foreign Direct Investment.

Real Estate sector in past years has witnessed major reforms to guide and streamline the sector. Due to constant and major clashes between the home buyer and the real estate developers, the Government of India ruled out some guideline under the Real Estate (Regulation and Development) Act, 2016. Besides RERA, Demonetization, Goods & Service Tax, introduced on July 1, 2017, Benami Transactions (Prohibition) Amendment Act, 2016 (Benami Property Act), REIT and Housing for all by 2022 scheme have marked a major thrust in the growth of the real estate sector. These acts are playing a significant role in bringing clarity, transparency, liability, and proficiency in the construction process.

srivaas-sparsh-gstGoods and Service Tax: GST is an indirect tax levied by the government of India on the sale of goods and services, which is divided into five tax slabs for the collection of tax- 0%, 5%, 12%, 18% and 28%. The Real Estate sector was brought under the purview of GST due to the burden of various indirect taxes like VAT, Service Tax, stamp duty and registration fees. The real estate sector invites GST of 12% in under-construction properties while it is not applicable on the ready to move in properties.

srivaas-rera-sparshRERA: Over the years the Real Estate sector has assimilated a degree of discredit due to the opaqueness in the sector. Various complaints had been filed against the defaulter developer and thus to clear the apprehensions of the consumers and increase the transparency and clarity of the financial transactions and construction details, the model came into existence. To strengthen the prospective buyers from fraudulent developers the bill made it mandatory for the builder to register the project with the RERA prior to the commencement of the project. RERA issues the Commencement Certificate to the builder, as an approval for the construction of the project. It is the duty of the RERA to resolve the disputes cropping between the parties by suggesting a medium or by imposing a penalty or granting any sort of punishment to either.

After facing crisis for a few years in the real estate sector, Indian economy is finally experiencing a major thrust due to the introduction of various reforms by the government of India to clear the apprehensions and opaqueness prevailing in the real estate market, thus, inviting and attracting the investment opportunities for the people across the globe.

srivaas-sparsh-reitREIT (Real Estate Investment Trusts) : REIT’s are intended to enable more investment and funding in Indian Real Estate by assisting more people to invest in Indian property market. Although the sector has been profitable for the investors it escorts many uncertainties. The introduction of REIT’s on September 2014 by Securities and Exchange Board of India (SEBI) provides a platform that allows all kinds of investors (including small budgeted) to make safe and lucrative investments o Indian Property market.

A Fair Deal of Homes and Hopes

For a home buyer the biggest relief provided by the Government of India is the introduction of Real Estate (Regulation and Development) Act also known as RERA. The Bill has been formulated for protecting the interests of aspiring home buyers while at the same time increasing the credibility of the construction industry by encouraging transparency, liability and proficiency in accomplishing a project.

The real Estate sector contributed 9% to the country’s GDP between 2011 and 2015. Being the second largest employer after agriculture it was important to put an effective regulatory mechanism for methodical growth of the sector.

Over the years the Real Estate sector has assimilated a degree of discredit due to the opaqueness in the sector. Various complaints had been filed against the defaulter developer and thus to clear the apprehensions of the consumers and increase the transparency and clarity in the financial transactions and construction details, the model came into existence.


As per the industry information, 10 lakh buyers invest every year to own a house in the country, therefore, it became important for the government to build a model for the safety of the home buyers and regulate the cropping differences and opaqueness between the buyer and the seller. The Bill ensures greater accountability towards consumers and reduces frauds and delays. It attempts to balance the interests of the consumers and promoters by imposing certain responsibilities on both the parties.

RERA plans on strengthening the sector by imposing certain responsibilities on the developers which helps the home buyers by creating transparency in the deal between buyers and sellers.

Haridwar priests oppose plan to monitor, display Ganga pollution

The Ganga Sabha, a body of priests in Haridwar which oversees the main Har-ki-Pauri ghat, has opposed the district administration’s proposal to install a monitoring system that will display the purity of the water in the Ganga river at the ghat. “This is an unnecessary exercise since Ganga water is perennially pure,” Ganga Sabha president Purushottam Sharma Gandhiwadi.

According to the proposal, instruments will be installed to gauge water quality and the parameters will be displayed on two screens at Har-ki-Pauri ghat and Sarvanand ghat so that people can see whether the water in the river at a given time is good enough for drinking or for taking bath. The district administration, however, said that the intention behind the proposal, which was sent to the state government, is “to allay any confusion regarding the water quality in the Ganga at Haridwar.”


According to district magistrate Deepak Rawat, the administration is planning to implement the proposal to install a system to monitor Ganga water quality at the ghats on a pilot basis. A detailed plan in this regard will be worked out and sent to the government for approval. Also, plans for other projects for the 2021 Haridwar Mahakumbh have been sent to higher authorities for approval.

Gandhiwadi said, “The administration’s plan is an insult to the sacred river and an attempt to hurt the sentiments of the people. Instead of taking steps to clean the Ganga under the much hyped Namami Gange project, the government wants to propagate the river’s impurity.”

Former MLA Ambarish Kumar said he is “more concerned about treatment of the disease (Ganga pollution) than about its diagnosis and publicity. “The monitoring system, if installed, will cause damage to people’s faith, which nobody would like to do. Our purpose should not be to expose the reality of Ganga pollution, but to do what we can to prevent pollution,” said Kumar.

Where do you live?

Perfect apartment sizes for Indian families

India is facing mass exodus of people from rural areas to the urban developments. These individuals are highly motivated to excel in their professions and looking for better opportunities in life. This situation results in their departure from native places to metro cities or foreign destinations.

The movement of the present generation from their homes results in a drift from the old housing patterns. They prefer well-equipped and easily manageable homes. They choose dwellings that offer space according to their needs and requirements. In addition to that, the family structure has also been divided into joint and nuclear and in some cases the individuals plan to live alone. Every family has a different size and structure and to cater to their needs the developers are offering various residential housing options which vary from villas to bungalows, duplexes to apartments.Although each and every category fulfills the demands and requirements of every individual but working professionals and retired individuals choose residential apartments over other types.


Why Apartments?

Srivaas understands that the changing trend in the working environment and family structure results into narrowing of the idea of big, independent homes to fully- furnished and well-equipped residential apartments. People nowadays prefer flats over other housing options as people spend more time in offices and ultimately lack time to cater to their daily household chores. Srivaas provides a respite by offering intelligent features like Automatic 24×7 Power Backup, Fiber to Home, Building Management System, Smart Metering- Electric, Gas etc. Depending upon the financial statements different well-equipped apartment sizes adhere to different individuals.

Srivaas is dedicated at providing all the basic facilities to the residents and are providing housing range and basic amenities like all Sporting facilities, Kid’s Play Areas, Lawns, jogging/walking tracks etc.

Srivaas understands that although buying a house is the heaviest and most important investment for an individual, however, choosing the right home is another important aspect. We are providing most important solution by offering different cost-effective household options along with basic amenities and smart features.

Factors That Have Driven Haridwar Real Estate

Haridwar is the biggest city in the district of Uttarakhand. Apart from being religiously strong, the city is speedily gaining importance in the industrial sector too. Be it the demand for residential apartments or flats in Haridwar. The city offers all sorts of property for purchasing, selling and renting.

There are a number of factors which have contributed to the rise in Real Estate of Haridwar. Infrastructure, Property Prices, Transportation Facility, and Educational Facilities are some of the major aspects that have boosted the overall real estate in the city.


Transport Facilities: Connectivity is one of the major factors a homebuyer looks for while buying a house. Haridwar is one city which has gradually become very well-connected with other prime locations within the town as well as the state. Direct railway links with other major cities like Delhi, Nagpur, Mumbai and other makes the city more welcoming.

Educational Facilities: Some of the oldest educational institutes are situated in the city near to the Sparsh Apartments. This has benefited the residential Real Estate in Haridwar. Some major institutions are school of computer education, Pannalal Bhalla Municipal Inter College are situated within the city, making the city more attractive to the potential buyers.

Infrastructure: Infrastructure has played a major role in the real estate growth of the city. The well-developed highways, roadways have improved the connectivity within the city.