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Finance for real estate is now easily available in India. The property boom is not restricted to the national capital region but it has even transcended to satellite towns and remote semi-urban areas in and around the national capital. The number of transactions in the real estate sector has increased a number of times, making it profitable for the banks and other lending institutions to offer more finance opportunities to the buyers.
In India, the most of the borrowers in home loan segment fall in the first time buyer category. It means that they are either tenants or living with their parents in their ancestral house. As the salaried-class is spreading and emerging stronger than ever, more and more people are becoming capable of buying house.
The procedure for taking a housing loan is rather easy. You can directly approach the bank or call for a meeting to be arranged with the bank's loan executive. This can also be done over the Internet. The banks may ask for various proofs like those related to your residence, income, spouse's income, number of dependents, etc. Based on a number of parameters, the banks arrive at your credit rating and offer you varying amount of loans.
Home loans in India come in various forms inviting fixed interest rate or floating interest rates. There are hybrid loans also that are a middle path between fixed and floating options. The borrower can put a part of his loan amount under fixed rate and expose the other part to the floating rates that depend on market conditions and the interventions by the Reserve Bank of India.
The Internet as a medium of loan arrangement is fast catching up in India. Many websites are coming up that take care of individual and corporate finance for various purposes like buying real estate, investments, business operations, etc. This medium of finance is growing rapidly although it is surely in its nascent age as far as the Indian market is concerned.
The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry.
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In today鈥檚 precautionary world it is necessary to keep up with the technology. The old human security ways are no way counted in this developing and growing state of market. There are service providers which purvey their customers with the most happening and up to date facilities of security. Homes and offices are in equal need for security services and have to be kept on updated the system techniques. One such technique is the Door Phones systems. There is a phone mounted on your door to enable you to know who is heading over to your place or office. You always let only the right person in. The Door Phones are a real help in this current state of threatening times where anything can happen anytime and nothing at all can be trusted Phones as the name suggests are mounted up on doors to keep an eye on the person the other side of the door. The system helps in a secure way so as to not letting in anyone without permission. Be it office or home Door Phones can be mounted anywhere.
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The Door Phones are available in various types and patterns. In the early times of this technology it was a huge box but now it can be as small and convenient looking like a sticker or a postcard. With their various sizes and types they can be used at almost every convenient place. There is a camera fitted outside the door to keep an eye on the one who wishes to enter. There is a door locking system attached to this Door Phones system. No one can access the door without calling in on the Door Phones. The system is foolproof and can be easily used. The usability kit is provided and the system is equally easy to use. The techniques used in these Door Phones systems are pretty convenient and easy. These Door Phones have video availability where in you can check the person standing right outside that door with the help of a camera which is fitted over the door. The person will call in and may or may not see the person on the other side of the door. It depends from person to person and company to company whether that is to be allowed. The person standing outside the door can as well finish up hisher work right outside the door if it is so required.
Formula One drivers are hoping to give more back to their fans, at a time when unfavorable comparisons are being made with other series, with a new initiative to be presented in Monaco next week.
Alex Wurz, the chairman of the Grand Prix Drivers Association (GPDA), told Reuters that more details would be -presented on the Friday rest day before the race in the Mediterranean principality.
The Austrian said the -drivers had unanimously agreed the move at a meeting at last weekend's Spanish Grand Prix in Barcelona.
"To make sure this sport -remains at the pinnacle and gets ever more popular, we would like to engage more with the fans," said the former Formula One driver who now competes in the world endurance championship and is a two-time Le Mans winner.
"How we are doing this I don't want to go into because this will be announced in -Monaco in great detail.
"We want to give a little bit back and communicate with the people who love the sport equally to us."
Social media is expected to feature largely in the plans, with many drivers already -attracting a large number of followers.
"Great GPDA meeting today! At the Monaco GP we will announce big plans on how to properly connect with you, the fans," Lotus driver Romain Grosjean told his 438,000 -followers on Twitter after -Friday's meeting.
Mercedes double Formula One world champion Lewis Hamilton has 2.74 million
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