Pets in Apartments: the Rights and Responsibilities of Pet Owners.

Many people love the idea of having a four-legged furball at home. They tend to have a therapeutic presence. Animal lovers will do anything for their furry friends. But others consider them a nuisance. Pet-related activities are disapproved of and even opposed. Often, people forget that other species on the planet also need a place to live. Sheltering a few homeless animals, newborn or aged, is not a bad idea.

The perpetual debate of whether pets must be allowed in apartment complexes, or not, has made us realise that there is a need for a clear understanding of the situation  (especially before we jump to conclusions about the rights and wrongs).

Authorities within residential areas often send out circulars that have rules and regulations about pet ownership. These circulars contain ‘vital’ information about whether or not they can be allowed to live with their human caretakers.  What people are unaware of is there is no law enacted by the Parliament, or any State Legislature, that bans animal friends. At most, you may have to register your pet (In many parts of the country you are legally required to register your pet). More often than not people end up having to choose between their home or their animal companion. This violates a fundamental right of being a citizen of this country. The right to make personal choices is protected by the constitution of India.

Following are the issues faced by pet owners:

  • Pets being banned on society premises on account of being noisy.
  • Prohibiting homeowners from using parks, lifts and other facilities if they are accompanied by pets. Also, being charged for the same.
  • Being charged ‘pet rent’.
  • Forced usage of muzzles (on calm pets).
  • Discrimination as per the size and breed of pets allowed in the housing society.
  • Being asked for a pet resume before being given the flat on rent (A pet resume contains the pet’s basic details, previous rental experience, health, behaviour, references, etc).

To make matters clear:

  • No bans can be imposed on usage of facilities (like lifts and parks) by pets.
  • RWAs cannot impose any extra charges for this, either.
  • Pets and resident owners of the pets not violating any Municipal Sanitary Bye-Laws or Regulations are permissible to stay in the society or community.
  • Size of pets cannot be a valid reason to ban them from society premises.

Such rules are highly discriminatory and might lead to friction among the members of the society. But, it must be kept in mind that these objections have risen due to certain behaviours of pet animals that have inconvenienced people in some way or another in the past.

As has always been, rights come with responsibilities. Pet owners must come forward and offer to adhere to simple, implicit rules and mannerisms.  This will eventually resolve the issues that lead to discriminatory circulars.

So, to make things fair:

  • The pet owners must make sure that there is no nuisance caused in the society due to their furry pals.
  • When out of the house and in the premises of the complex, the pets must be accompanied by their owners or anyone who has them under careful observation.
  • Since there is no central law regarding cleaning pet excreta, RWA can request pet owners to do the same.
  • Training must be provided to the pets in apartments on identifying people walking in and out of the apartment wing. This will help prevent them from getting provoked when neighbours and children are around.
  • The animals should be taken to an obedience class/training class as well. A certificate is generally provided once the animal recognises behaviour signals.
  • Crate/kennel training is another way of training the pet to stay in one place as it provides a feeling of security to the animal.
  • The pets must also be trained, through positive reinforcement, to not get aggressive around other animals and prevent matters from going downhill.
  • Pets must undergo regular vaccinations and medications required to stay healthy.
  • The owners should take responsibility for their pets.
  • Children and residents must be asked to not provoke or tease the animals.

In conclusion,  the society representatives and pet owners, must organise regular meetings and address the issues each party faces, and meet each other halfway. Non-pet owners must be sympathetic and flexible towards pets and their owners. The latter must take precautions to ensure that they and their furry friends continue to behave like responsible members of the community.


(The Governing Body in India Concerning Animal Welfare- The Animal Welfare Board of India, 1962, was the first of its kind to be set up in the world, by any Government. It was established as a part of the Ministry of Environments and Forests, Government of India, in accordance with Section 4 of the Prevention of Cruelty to Animals Act 1960 (No.59 of 1960). It has a list of bye-laws for pets, and was created to advise the Government on matters concerning animal welfare and preventing the infliction of pain on animals.)

Read more here: https://awbi.org/awbi-pdf/pet_dog_circular_26_2_2015.pdf


Disclaimer: This information is offered as a public service. While we try to make it accurate as possible as on the date of publication, the laws change and more importantly the way we interpret laws could also change. We cannot promise that this information is always up-to-date and correct. We strongly recommend you to always consult appropriate professional advisers for your society to ensure compliance. We are not responsible for any actions or non-actions that are done by you based on the information present in this article or any other article on this blog.


How to choose room colour

Choose The Right Colour For Every Room Based on Colour Psychology

Wanna know how to choose room colour? Find out here.

 

Have you ever really noticed the patterns of your daily routine? Do you know why you make certain choices over others? Why you chose that shade of yellow in your living room or why you knew that lilac wall would make the room seem very welcoming? Colour, being a non-verbal language, depicts emphasis in a profound manner.

 

The colour you paint your room in signifies the level of comfort you are going to have when you start using it. But colour psychology works on a daily basis, more often that you would realise. So choosing the right colour is just as important as choosing the right room for it. Here, at ApnaComplex, we’ve put together a list of basic colours and the vibe they give away when used as paint. With the guidance rendered in this post, you will now have a well-informed reason to splash your room with the colour of your choice.

 

PURPLE —

Purple, depending on the shade, evokes varying levels of richness and sophistication. It inspires spirituality and prosperity and adds a dash of adventure to an otherwise mundane room. A stylish choice, purple hues encourage a fresh take on issues that are hard to come to conclusions to. Adding depth to a room, purple evokes compassion and humanity.
how to choose room colour

 

PINK —

Pink is a very common colour in a little girl’s room and is accounted for as it represents love and understanding. Hues such as rose, lavender pink and mimi pink are a crowd favourite. Use sophisticated fabrics to avoid a pale and monotonous look in the room. Vivid pinks are also viewed as glamourous and powerful and can be counteracted with blacks and greys. Such hues can be used in entryways as they are transitional spaces in a house and suggest movement, so save brighter pinks for the smaller spaces.
how to choose room colour

 

RED —

Red acts as a stimulator; a stimulator of appetite, conversation, etc. So, it is best to save the reds for the kitchen and dining rooms, but to add flair and depth into your bedroom, one wall can be highlighted with a deep red to make it stand out.
how to choose room colour

 

ORANGE —

Orange is an edifying color and it promotes happiness, warmth, emotional strength, optimism and spontaneity. The living room could do with a hint of orange as it also a social communication enhancer. The kids’ room could also have some orange walls as it aids in creativity and new ideas. This is one of the most underused colours and will add a touch of quirkiness to any room it is used to paint.

how to choose room colour

YELLOW/GOLD —

Yellow symbolizes power and vibrancy and also stimulates health, wisdom and patience. It acts as an excellent mood enhancer. In feng shui, yellow and gold are associated with wealth. These colours can be used in smaller spaces around the house and in entryways, making them seem larger and airier. Avoid using bright yellow hues in calmer sections of the home as they stimulate the nerves.
how to choose room colour

 

GREEN —

Green is the colour of new starts and growth, healing and freshness. It is the primary colour of nature and it encourages stability and rejuvenation and improves concentration. Green tints would do very well in the bedroom, kitchen and study but can be used to spruce up a living room with minimalistic varying textures. The bathrooms could use a little bit of green to make things less monotonous as well.

how to choose room colour

 

AQUA —

A mix of blue and green, aqua, represents youth and helps in inducing a state of relaxation and meditation. Aqua coloured curtains complement white walls and help in reducing sleep difficulties. Aqua ornamentation creates a feel of spirituality.

how to choose room colour

 

BLUE —

A blue room projects tranquility. Blue is said to have relaxing effects on people as it lowers blood pressure, reduces respiration rate and heart rate. Deeper blues infuse wisdom and introspection into the room, but overdoing it can make the room give off a dismal vibe. Blue walls are best saved for family rooms, bedrooms, larger kitchens, bathrooms and for a twist, a powder blue ceiling.
how to choose room colour

 

BLACK —

Black is a colour that adds an essence of contemplation and reflection to a room. It also creates a mysterious element when paired with metallic ornamentation. As a more formal and elegant but magnetic colour, it should be preferably used as an accent colour (complementary colour).

how to choose room colour

 

GREY —

An unknown fact about the colour grey is that it cultivates helpfulness. A harmonious union of black and white, when paired with eye-popping hues of pink, it creates a balance of subtle and bold. Grey is a calming colour with a delicate aura and silver and grey can be used in different tones to create a perception of enchantment and mysticism. It is alluring and charismatic when paired rightly with a red.
how to choose room colour

 

WHITE —

White is a crisp colour that invites clarity, precision and communication and is normally used in kitchens and living rooms. White’s cleanliness and contrast to almost every colour works in any room, especially with woodwork. White also looks dainty when it is used along with grey and provides a seamless background for black furniture.

how to choose room colour

 

BROWN —

Brown is an earthy tone that offers stability and security. It is generally used to highlight bolder colours like orange or lime green. Brown is the colour of wood and wood can be used to add an elegant and warm feel to a room. Browns combined with hues of green, like sage, discourage tension in the room and create a sophisticated mode of living. Brown can be used in the dining room or as an addition to the bedroom paired with a lighter, more airy colour such as aqua or pink.

how to choose room colour

 

How to choose room colour depends on the different hues of these colours that evoke specific emotions. Room colour decisions should always be made keeping in mind the ideal room setting, embellishments and furniture that is used in the room. The colour of paint makes a drastic difference in the perception the room creates about itself since the character of the room is decided by the undertone that the colour projects. A light room with a dark wall can change the perceptive depth of the room, and in addition, the more tranquil / bold your colour is depends on what you would like to see all year long. The ultimate goal is to blend the colours you would like to look at in the most pleasing manner possible.

 

Quick tips

  • Mix and match colours that highlight architectural details and centerpieces in the room.
  • Saturated colours like sunshine yellow and lime green add energy to the room.
  • Cool colours like blue, green and purple make the room look larger and more spacious.
  • Colours on the opposite of a colour wheel normally complement each other, but watch out for overplay.
  • Notice how a color behaves in relation to other colors and shapes, and compare the contrasting effects for a good and balanced feel.
  • Stick to a maximum of four colours per room to keep things lively, but not too busy.
  • Try a few test patches of the colours you’ve chosen to decide what compliments the room best so that it doesn’t tire out your eyes.

 

…And don’t forget!

How to choose room colour

 

Now that we’ve given you a low-down on how to choose room colour, we hope you have an easier decision-making process when it comes to home décor and home improvement. Happy colouring!

how to choose room colour


Things to keep in mind when looking to rent a flat

There are many things one must consider before choosing to rent a flat in any apartment building. We, at Apnacomplex, list out the things we think you should keep in mind before renting that flat.

  1. Budget – Always consider your budget carefully before deciding to take up any flat on rent. The things to consider would be; gross rent paid, deposit, maintenance, and upkeep. All those things need to factor into your decision to rent out a flat.  Generally, things work up to 1.2x of the gross rent. So assuming your rent to be 10000 per month, you’ll eventually end up paying 12000 per month all things included. Once you know what the rent of your new flat will be, factor in your household income. As a rule of thumb, it is ok to spend 30% of your household income on rent in any given month. Once you have your budget sorted out, looking for a place can be much easier and less time consuming.Know your budget
  2. Broker Vs. No broker – getting a local broker can be a good way to increase your awareness of apartments in your area of choice. But then there’s the dreaded issue of brokerage, the one thing we never wish to pay (Trust me, I’m regretting paying brokerage as I write this article). Going on online sites can be a healthy start too, but what you see is not always what you get with online real estate listings, so it might take you longer than anticipated when you take that route. The only trait you’ll need is patience and you might just find the right fit searching online. In our experience, some of the best deals are available on classified newspapers and online portals (Please check https://www.apnacomplex.com/classifieds). You’ll be surprised at the deals you find there.Consider a broker carefully
  3. Be specific – If you’re experienced in renting out a place, you’ll probably be aware of these factors more or less, if not, then here’s the stuff that you’ll need to make that house a home.
    1. Check the amount of noise in that area – having religious institutions nearby might be good for your piety but can have a disastrous effect on your sleep schedule.
    2. Check if household services are available in that area – From dry cleaning to housekeepers, there are many areas where these basic services are difficult to come by, so ensure that you’re not making your life more difficult in the future.
    3. Check power outage cycles – some areas are notorious for a number of power cuts that occur there. So make sure your apartment provides for power backup or there are limited power outages there.
    4. Check water limitations – Water is considered the element of life, so maybe having a check on whether your apartment is equipped with rainwater harvesting or has some water facility to meet demand and supply will benefit you. Else you won’t have to option but to literally air your dirty laundry.Check if there's water in the flat
  4. Check the contract – Contracts are mandatory if you’re taking a flat on rent legally. Yes, we’re putting it that way because taking a flat legally benefits you more than the landlord. Here is a snapshot of things you need to look out for while taking you flat on rent:
    1. Contract dates – check when your contract starts and ends. Yes, you’ll be surprised at how many people miss this.
    2. Termination clauses – This is the most highlight-able area of your rental contract. Check to see if “My sister wants to come and stay” is a valid reason. Else, you can’t be evicted if you pay your rent on time.
    3. Penalties – Generally most flats have a one month rent as a penalty from their deposit. But make sure you’re aware of that clause in your contract.
    4. Repairs – Most contracts are segregated into major repairs and minor repairs. Major repairs are undertaken by the owner and minor repairs are undertaken by the tenant. So be sure to look out for that.
    5. Guests – Check to see if there’s any limitation on guests allowed. Contracts generally mirror society rules on such issues, so if your society limits guests then it’s better that you’re aware of what needs to be done.
    6. Rent renewal – arguably the most important part of your contract, check on the terms of a renewal. If there’s no renewal clause, push for it to be added in. Assuming you’re not going to move out of the house for the foreseeable future, it’s unjust to randomly have your rent increased on renewal. In our experience, most landlords settle for an annual 5% increase in rent year on year.
    7. Get everything in writing – Most landlords make blanket promises when giving out their house, make sure you get these promises/guarantees in writing, taking someone at their word can be good for relationships but remember, you’re looking for a house, not a friend.Contracts are important - Read carefully
  5. Inspect your flat – A lot of issues with your apartment can be hidden from a simple look. Inspect these things properly before deciding on whether or not to take the place.
    1. Pipes – make sure there are no blockages and the pipes work smoothly.
    2. Electrical fittings – See if the lights and fans work properly. It’s common courtesy for your landlord to provide these. Else, make it clear on who pays to fix it.
    3. Faucets and shower heads – Sometimes these basic fittings don’t work and nobody checks it out before renting out a place and moving in. Be sure to check these facilities in your prospective flat.
    4. Cracked windows or broken walls – If you can live with a cracked window or a broken wall, then it’s still fine. But make sure you keep photos of these issues before taking up a place. Those photos will come in handy when you’re vacating, trust us on this.Inspect your house carefully
  6. Rules and regulations – Although your landlord may be okay with these things, sometimes the housing society can have a lot of issues with some of the things you want. For example, you might not be allowed to keep pets in your house or you might not be allowed to throw a party. These are things that you should ideally check beforehand. It’s wiser if you ask the landlord these things than asking the society directly. (In Mumbai a lot of Societies require you to give an interview before being able to take a house on rent, so additional caution is advised there)Pets are people too
  7. Negotiate – A lot depends on who your landlord is and whether or not they’re ready to negotiate on the price. If it’s a person who owns a lot of property and runs this as a business, you’re going to find it harder to negotiate a better deal for yourself. If it’s an individual that is just looking to supplement their household income, play hardball, you’ll come out on top. Most landlords also practice up-selling their houses, so negotiating could make your deal sweeter than you think. Keep your poker face while negotiating
  8. Check if your apartment society is smart enough – Last but not the least, check if your prospective apartment complex is listed on http://www.apnacomplex.com by searching for it. If it is, then you’ll notice how simpler your life becomes once you live there. If not, then there’s always something you can do about it; like referring the software to you society or searching for a different apartment altogether.

Are you Ready to Invest In Real Estate? Your Check List is Here!

When it comes to property investment, timing is everything. Ultimately, choosing the right time to enter the market will have a significant impact on the long-term success of your investment.

But how can you, as an investor, know whether the timing is right? Here are 10 tell-tale signs that now is the time to start building your investment portfolio.

misis

1. You are financially ready. You have saved enough for the down payment and you have also established your emergency fund. You have taken into account home maintenance expenses. Your credit history is good and you are able to meet all the financial obligations.

2. You have set your long-term goals. You have a clear picture in your mind of your investment’s purpose and you are flexible enough to adjust to changing circumstances. You are not hesitant. When the timing is right, you are able to adapt to the market needs and the development of technologies.

3. You have done your research. You know the neighborhood of your future property well enough to foresee the coming trends and the possible changes in the community. You have researched all the schools in the area as well as the best commuting means.

4. You have chosen a stable economy. The area is financially stable, economic trends are promising and equities are surging. No demographic fluctuation or no irregular variation of population have been recorded in the area.

5. You understand the country’s policies regarding real estate. The policies of the region promote and encourage a positive, innovative environment as well as drive further economic growth. The tax policy in the country is positive for homeowners. Global innovation index is rising in the area.

6. Infrastructure projects are underway and likely to lead to an increase in property values. The infrastructure of the area is being developed with a focus on: transport, energy, solid waste and water management developments.

7. The region is moving toward sustainable development. The region’s awareness of global and local environmental issues is increasing, the demand for eco-friendly homes as well as for sustainable rural and urban development is rising. As more and more people head toward sustainable living, investing in sustainable property will increase its value in the future.

8. The location draws a lot of interest. Whether it is the best travel destination or the hot jobs spot, the location is always on the top of the search engine. It has become a successful start-up hub already or is planning to do so in the coming years, driving a lot of job seekers into the area. The number of enrolled students is increasing every year and the area draws interest of international students.

9. You have found a reliable real estate agent. It’s particularly crucial to have a reliable representative. Your real estate agent is trustworthy, knowledgeable, and knows the local market well enough to be able to help you make the right choice.

10. You have researched local differences in the property market. Whether you plan to invest in a residential property and turn it into a rental or an office space, you are fully aware of all cultural differences that might occur when you deal with a property seller.

# # #


The Need for Using Energy Efficient Doors in a Housing Society

Housing society residents from across the country are moving from ornamental and beautiful doors to energy efficient doors that provide the required insulation, helping them save money.Depending on the housing society, such energy efficient doors are installed in all flats. If your housing society does not feature such doors, you can have them individually installed.

energy efficient doors

How Do These Doors Help?

These energy efficient doors are made of materials like wood, glass and steel fiber that help in conserving energy within the house. The cold and heat exchange levels are kept at a bare minimum so that the insides of the house don’t turn too stuffy or too cold.

These doors provide suitable insulation for the house and this can negate your need for buying heaters or air conditioners, helping you save a lot of money. These energy efficient doors also prevent pollution, insects and bacteria from entering the house, and you’ll be less prone to diseases.

During winters, the humidity in the air is normally very low. These doors will help in avoiding static shocks in such situation and they can keep the house cool all through the summer too.

What are the Types of Insulation?

The most common material used for insulation is polyurethane foam. Glass is not suitable enough for insulation so modern glasses need to be used. There are certain materials such as fiber glass skin that have weather stripping properties. The openings in the door that allow the exchange between the outside and inside space are sealed.

Installation Process in a Housing Society

In most cases the original doors are removed from the housing society flat and two frames are kept in place.

The door is then sealed with the help of foam that prevents air from going in and coming out. Foam is used as it has a major property of thermal insulation.

Types of Energy Efficient Doors

There are various types of energy efficient doors that are designed for specific areas.

  • There is the storm door which is an outer insulated door placed on the external surface of the regular door, and this prevents the house from heavy rains and bad weather.
  • Garage doors are made of insulated aluminum and these prevent corrosion of the vehicles and other appliances.
  • Patio doors are difficult to insulate but outer and inner sides of the door can be somehow insulated.

Choosing an Energy Efficient Door

There are a few things that have to be kept in mind while choosing an energy efficient door, as the door should be resistant to weather, it should not be corrosive in nature and the emissive nature of the material should be low. Most importantly the door should be easy to install. Double layers provide better insulation than a single layer.

Energy efficient doors range from Rs 9000 upwards; but they are low maintenance, so you don’t have to worry about extra costs. Depending on the type of installation, the price can vary. You can invest your money in such doors rather than in other options like heaters and coolers and these are ideal for housing society flats.


Get your Society on ApnaComplex – Today!
ApnaComplex is India’s most comprehensive web based housing society accounting, management and communication software. It is designed to make the life of residents and owners a lot better by bringing in more transparency and accountability in managing a housing society. Check out the features of ApnaComplex and sign up your society today to get the benefits! We offer a free 30-day trial as well so that you can try before you buy!


Solid Waste Management in Apartments and Layouts – Best Practices

Below are presentations on Solid Waste Management from two of ApnaComplex customers Ferns Paradise, a 340 plot layout near Marathahalli, Bangalore and Purva Panorama, a 710 unit apartment complex on Bannerghatta Road, Bangalore.



Want to manage your apartment easily and financials transparently in your Housing Society? – Get on to ApnaComplex – Today!

ApnaComplex is India’s best web based housing society accounting software.

ApnaComplex is designed to make the life of residents and owners lot better by bringing in more transparency and accountability in managing a housing society. Check out why we say ApnaComplex is Best Apartment Management Software and sign up your society today to get the benefits! We offer ApnaComplex – Free Edition with awesome capabilities which you can use free of cost forever.


Housing Society Maintenance – Start the Year Afresh After a Garage Sale

Garage Sale
If you have been thinking of providing your home a huge makeover, New Year is the best time to do so. Remove the thought from your mind that it will cost you a bomb; denial won’t help you achieving the makeover you want. Re-invent your home by deciding the perfect theme you want for the rooms.

To carry out a successful garage sale you need to first figure out what you do not need, that is, the items you need to dispose off. There can be many things in your house that are cluttering up your home space unnecessarily and do not have much use such as old boxes, extra clothes, unused furniture or more. Here’s a list on what can be thrown out.

The unused stuff above the shelves and beneath the beds, storage spots in the backyard; every place that has been cluttered with household items needs to be figured out.

Things to Do

  • Clean all the items you plan to sell out so that it is presentable and neat.
  • Check the online sources such as eBay on how much they are selling the same items for. Always remember that people want garage sales to be way cheaper than the others.
  • Price everything decently with clear labels on each of them.
  • You can use stickers in case you are pricing everything individually. Make different labels of the prices and put the items having the similar price range at a same place.
  • Make signs to direct people to the right spot when you put up a garage sale. But make sure you do not put them up before you have organized the sale.
  • Maintain a cash notebook and note down what you have sold and for what amount.
  • Keep a change bag with you, which you can clip on yourself.
  • Get packaging material such as boxes, plastic bags and other basic amenities so that you can carry things back home easily.
  • Group selling with neighbours is a better possibility to sell off your old stuff as soon as possible.
  • Make a list of all the people who would co-ordinate with you for the sales. If more people are selling off the stuff reach an agreement on the profit percentages to be shared.

Spice up Your Sale

  • Don’t forget selling drinks like coffee, tea, cold soda to the buyers during the sale.
  • You can add to it with having a sausage sizzle along with the garage sale. This attracts customers and also gives you new avenues to make profits.
  • Cakes, cookies, muffins can also be sold along with the packaged items
  • You can also put plants and pots from the plant cuttings in your garden, for sale. If they don’t sell it doesn’t really dent your selling plans.

How to Present

Set up the yard in such a way so that it’s easy for people to walk around and sell your stuff. Don’t clutter up the space where you have set up things for sale. Make sure you label the things so that people find it very organized and easy to sell.


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals.

Get your Society on ApnaComplex – Today!
Get your Society on ApnaComplex – Today!
ApnaComplex is India’s most comprehensive web based housing society accounting, management and communication software. It is designed to make the life of residents and owners a lot better by bringing in more transparency and accountability in managing a housing society. Check out the features of ApnaComplex and sign up your society today to get the benefits! We offer a free 30-day trial as well so that you can try before you buy!


Housing Society Knowhow – What You Should Know About Prepaying Loans

Prepaying Loans

Prepayment Penalty is a nightmare that is suffered by the individual borrowers who take home loans for buying apartments. A prepayment loan generally means that all debts have to be paid before the due date. Prepayment penalty usually ranges between 1% or 5% on the total loan taken depending on the bank.

The NHB (National Housing Bank) sent out a notice to all the HFCs (Housing Finance Company) recently to levy any prepayment charges. This decision has been greatly applauded by the RBI (Reserve Bank of India). The ban is not only levied on the prepayment of the floating rate home loans but also the borrowers of the fixed rate home loan schemes

However, if you have taken a Prepayment Loan you just need to follow a few simple rules. Here’s a look at them

Rule #1 Negotiation With Your Bank

Before transferring your home loan, do let your bank know regarding why you have planned to pay your loan beforehand. If the EMI on your home loan is unaffordable to you or the interest rate is sky high, then the bank might grant you certain options like extension in tenure, partial repayment or a relaxation in the home loan EMI.

Rule #2 Switching to a Floating Rate Scheme From a Fixed rate Loan

Some of the borrowers let you choose a floating scheme of payment if you are finding a difficulty in paying your home loan. The floating loan scheme comes 1 or 2 percent cheaper than the fixed rate loan scheme.

Rule #3 Partial Prepayment

If the pre-play is taking a toll on your budget and the interest rate is too high for you to pay up; talking to the bank is always an option. The bank can allow you to make partial prepayments and lower the principal amount; they can also reduce the outstanding loan amount. Many banks have the option of a partial prepayment of the loan, which does not exceed 25% of the total loan amount.

Rule #4 Prepayment of the Home Loan from Your Source

In case you decide to go for a full loan prepayment or opt for a foreclosure with own funds, no penalty amount will be levied on you. These funds can be a maturity of bonuses from sale of assets and employment or life policies.

Home Loan is a major source of fund when you buy a property. The Home Loan EMI or the interest rate varies from one bank to another. Hence, it is very necessary to plan and choose an interest rate or an EMI or a home loan prepayment.


This article aims at collating and providing information for benefit of ApnaComplex customers and blog readers. While ApnaComplex has taken every care to ensure the information is accurate, we suggest to please use it only as a guidance for further discussion and action with help of relevant professionals.


Get your Society on ApnaComplex – Today!

ApnaComplex is India’s most comprehensive web based housing society accounting, management and communication software. It is designed to make the life of residents and owners a lot better by bringing in more transparency and accountability in managing a housing society. Check out the features of ApnaComplex and sign up your society today to get the benefits! We offer a free 30-day trail as well so that you can try before you buy!


How to Set Up an Eco-Friendly Kitchen in an Apartment Complex

Eco Friendly KitchenWhile setting up your house, remodeling the kitchen according to your need is an important factor. Eco-friendly updates to the kitchen are some of the best ways of reducing power and using the entire workspace. Transforming the kitchen into an eco-friendly one leverages the value of your apartment and also helps in conserving the environment. There can be a whole lot of aspects that can be kept in mind while upgrading your kitchen.

A kitchen can be easily made into an eco-friendly one by using many energy-saving equipments and appliances such as water-saving faucets, eco-friendly lighting and energy efficient windows.

Ventilation and Natural Light

You can save unnecessary wastage of electricity and save power by working closer to skylights and windows. By setting up your kitchen that way, you save a great amount of light. If your kitchen is not well ventilated and does not receive a good amount of light, then you should opt for LED or CFL bulbs. Installing an exhaust fan in the kitchen is very necessary; it fans out the entire bad odor in your kitchen and does not let the fumes stay. This in turn increases the amount of fresh air in the kitchen and removes any dampness. Using daylight controllers and energy efficient bulbs is a great way to save energy from being used.

Making use of Energy-Efficient Appliances

Energy consumption depends a lot on the appliances that are being used. Usually, new appliances always come with more efficient energy-saving technology than their previous counterparts. All modern electronic appliances use considerably very less amount of energy than the older equipments. All the Energy Star appliances use less energy and are more efficient to operate.

Cooking at a Time

Instead of cooking many times, try cooking once. Multitasking while cooking such as cutting vegetables can help you save a lot of fuel and time. Cutting of vegetables into small pieces increases the taste of the dish you are cooking and at the same time also cuts down the preparation time. The USP of cooking at a time is that you save a lot of fuel.

Choosing Cookware

Be choosy while buying your utensils; do not just go for the cheap ones as they increase you cooking time. Low quality utensils take time to heat up and hence consume huge amount of fuel or gas. Try not to use disposable products as they are made of low-quality cast iron, which affects your cooking process.

Adopting a Green Living

Keeping a separate dust bin for recyclable and non-recyclable wastes will help you do your bit for the environment too.


Get your Society on ApnaComplex – Today!

ApnaComplex is India’s most comprehensive web based housing society accounting, management and communication software. It is designed to make the life of residents and owners a lot better by bringing in more transparency and accountability in managing a housing society. Check out the features of ApnaComplex and sign up your society today to get the benefits! We offer a free 30-day trial as well so that you can try before you buy!


The Power Backup Options in a Housing Society

With the steadily growing instances of power cuts in the country, a housing society should essentially have power backup plans for its residents to live their lives unhindered. Power cuts can be a major hindrance when you’ve planned your day out, and staying in a housing society that has poorly developed power backup options can be frustrating.Thanks to growing technology, the options for countering power cuts are many and the housing society management can choose from different backup options. Residents can opt for smaller backup options for personal use as well.

For common use, the housing society management can install diesel generators, as many such backup options are provided in prominent complexes. You can opt for regular generators, in case the backup in your housing society is not proper.

power backup options

Choosing a Suitable Backup Plan

You can choose your power backup option based on the area you live in, the weather in the region, and the kind of appliances you use.

The most efficient power back up plan is the fixed generator through which your AC loads, electrical appliances and essential lights can work. Depending on the size of your flat in the housing society, you can choose a generator.

A 5000 watt generator would be ideal for a three bedroom apartment, and a diesel generator can be a cheaper option as the fuel cost is less. Even solar generators have come out in the markets, and these run only on solar energy, which is renewable and nonpolluting.

If you’re looking for temporary options, you can use inverters through which bare essentials like the refrigerator, electrical fans and a few lights can be run.

Choosing a Price Range

A generator is most expensive of the lot and the price varies depending on the amount of energy it can hold. The range of an ideal generator is Rs 30,000 upwards.

For the people with lighter pockets, an inverter will be most suitable as it costs one tenth the price of a generator. An inverter runs on a rechargeable battery, so you can cut back on fuel costs.

Installing a Power Backup

While installing a generator or an inverter, care should be taken connect the main electrical appliances and lighting. Depending on the climate in your region, your appliance should be fixed. This is because if the climate is cold, care should be taken to prevent the internal pipes from freezing.

If the climate is hot, necessary covers or shutters should be made for the appliance to prevent it from overheating. Always choose a user friendly engine which is easy to use because you’ll have to manually switch on your generator or inverter. You should learn as much as you can about the appliance and fixing smoke alarms is another must.

Power Backup Maintenance

A generator is a high maintenance machine as it needs regular servicing and sufficient amount of fuel that should be added at all times. The installation costs for a generator can be very steep.

An inverter has lower maintenance and since it works on a battery, the terminals need to be oiled regularly. Both appliances should be run during regular intervals. If they are being used for a long period of time, you should schedule sufficient breaks in between to prevent them from overheating and exploding.

When you choose your power backup, make your choice based on your essentials and necessities. Try and take an eco conscious approach as solar power options can be helpful in the long run.


Get your Society on ApnaComplex – Today!

ApnaComplex is India’s most comprehensive web based housing society accounting, management and communication software. It is designed to make the life of residents and owners a lot better by bringing in more transparency and accountability in managing a housing society. Check out the features of ApnaComplex and sign up your society today to get the benefits! We offer a free 30-day trial as well so that you can try before you buy!