Tips & Advice

Table of Contents: Introduction Understanding the Repo Rate and Basis Points Impact of a 25-Basis Point Cut on Home Loans Should You Lower EMIs or Shorten Loan Tenure? Conclusion FAQs If you’ve been keeping an eye on the news recently, you might have heard about the Reserve Bank of India (RBI) cutting the repo rate […]

Table of Contents  Introduction  View, Natural Light and Ventilation  Noise Levels  Accessibility Pricing and Value   Privacy  Conclusion  FAQs Introduction  Did you know that the floor you choose in an apartment can shape your entire living experience? Whether you prioritise breathtaking views, easy access to amenities, or a quieter living environment, each floor offers unique advantages.  […]

Table of contents Introduction  Mavalli Tiffin Room  Central Tiffin Room  Veena Stores  The Rameshwaram Cafe  Basaveshwara Khanavali  Nandhana Palace  Meghana Foods  Nagarjuna Restaurants  Vidyarthi Bhavan  Karavalli  Introduction: Looking for places to devour some of the best authentic South Indian cuisine in Bengaluru? Let us take you through some of the best restaurants where every bite […]

Table Of Contents Introduction Provides Open Spaces Improves Resident Retention Leads to Better Living Standards Encourages Community Building Enhances Wellness Offers Convenience and Comfort Creates a Sense of Safety Sustainable Living Conclusion Introduction Buying a new home is a significant undertaking, and a key consideration for potential buyers is community amenities. To put things in […]

Real estate is one of the key pillars of India’s economy. From homebuyers and developers to investors and policymakers, everyone looks at the Budget for cues on how the industry will evolve in the coming year. The Union Budget plays a crucial role in setting the tone, influencing not just market sentiment but also the […]

Table of Contents  Introduction  Unmatched Connectivity for Seamless Living  Close Proximity to IT Parks  Educational Institutions That Add Value   Retail and Recreation at Its Best  Provident Botanico: Investment Meets Lifestyle  Conclusion   Introduction  Tucked away in Bengaluru’s thriving real estate market, Whitefield has become a top choice for anyone looking for a combination of investment […]

Table of Contents    Introduction  What is the Loading Factor? How to Calculate Loading Factor Why is Understanding the Loading Factor Important? Factors Influencing Loading Factor  Ideal Loading Factor Ranges  Buyer Awareness and Legal Framework  Conclusion Introduction  When purchasing an apartment, be it your second home or an investment property, understanding the loading factor is […]

Table of contents  Introduction  Unmatched connectivity  Proximity to Employment Hubs  Well-Developed Social Infrastructure Green and Peaceful Living Smart Investment Opportunity: Provident Sunworth City   Future Growth Potential Conclusion  Introduction  South Bangalore has emerged as one of the most attractive regions for real estate investment in recent years. With its unique blend of connectivity, robust infrastructure, and […]

Table of contents Introduction Understanding the Loan-to-Value (LTV) Ratio: What It Means for You The LTV Ratio’s Significance in Borrowing Decisions Regulatory Insights and Key Statistics Shaping India’s Loan Market Mastering the Math: How to Calculate Your LTV Ratio Accurately What Makes a Good LTV? Striking the Right Balance Conclusion FAQS Introduction When it comes […]

Table of contents Introduction e-Khata: What is it? Why is e-Khata Mandatory for Property Registration in Bengaluru, Karnataka? How to Get e-Khata in Bengaluru? e-Khata's Advantages for Property Owners Conclusion FAQS Introduction With Bengaluru's rapid growth as a thriving metropolitan hub, keeping accurate and transparent property records has never been more critical. The city's rapid […]

Table of contents  Introduction  Crafting the Christmas Spirit: Making Things  Put Up Your Christmas Tree  DIY Christmas Sweater  Deck the Halls  Christmas Cheer: Shopping and Buying Things  Get a Christmas Mug  Advent Calendar Anticipation  The Joy of Gift Shopping  Buy New Christmas PJs and slippers  Find the Perfect Christmas Outfit  Holiday Fun: Things to Do  […]

Table of Contents Introduction Suspension Training System Mini Stepper Under-Desk Elliptical Folding Treadmill Ab Roller Doorway Pull-Up Bar Resistance Bands Adjustable Dumbbells Jump Rope Kettlebells Conclusion FAQS Introduction In today’s fast-paced world, urban living demands homes that seamlessly fit diverse lifestyle needs. As cities grow larger, living spaces are becoming more compact, prompting the need […]

Table of Content: Step 1: Identify Legal Heirs Step 2: Obtain Legal Documents Step 3: Apply for a Succession Certificate Step 4: Ensure Mutation of Property Step 5: Draft and Register a Release Deed Step 6: Draft and Register a Gift Deed Step 7: Pay Applicable Taxes Conclusion FAQs Losing a loved one is never […]

Table of Content: Introduction Uncover the Mysteries of Little Mount’s Ancient Caves Explore the Artistic Legacy of Cholamandal Village Walk Through the Tunnel Aquarium at VGP Marine Kingdom Go For Madras Crocodile Bank Night Safari Walk Along Thalankuppam Pier at Night Show Your Photographic Skills at the Broken Bridge Visit the Theosophical Society Conclusion Intro […]

Table of Contents Introduction How Goa’s Prime Location and Year-Round Climate Enhance Its Appeal What Makes Goa’s Architectural Fusion So Unique Why Goa’s Adventure and Scenic Beauty is a Major Draw How Goa’s Cultural Richness Adds to Its Allure What Makes Goa’s Culinary Scene So Unique How Goa’s Tourism Surge Boosts Real Estate Value How […]

Table of Contents: Introduction Investing: Considering this Strategy Over Prepayment Prepay or Invest? Critical Factors to Guide Your Decision The Hybrid Approach: Blending Prepayment and Investment Conclusion FAQs When it comes to financial decisions, pre-paying a home loan might seem like a prudent choice, saving you from paying significant interest over time. However, while the […]

Table of Contents: Introduction: Breaking the Myths Key Benefits of Living in Apartments Near Airport a. Future Development Potential b. Access to Diverse Career Opportunities c. Enhanced Connectivity d. Strong Rental Demand e. Resilient Property Market f. Convenience for Frequent Travellers   Conclusion: A Lucrative and Convenient Choice When considering buying a property near an […]

Table of Content: Introduction What exactly is the 5/20/30/40 rule? Benefits of Following the 5/20/30/40 Rule The Drawback Personalising the Rule Conclusion The 5/20/30/40 Rule: Your Key to a Stress-Free Home Purchase Crafting a financial plan before buying a home is like designing the blueprint for your dream house—it lays the foundation for a successful […]

Table of Contents: Introduction Pay Less on Home Loans Avail Lower Stamp Duty Rates Double Your Tax Benefits Unlock Government Schemes Conclusion Buying a home is a significant milestone in India, both a major life achievement and a substantial financial investment. With such an important commitment comes the need to maximize savings and make informed […]

Table of contents:  Introduction Benefits of taking a home loan Tax benefits Liquidity maintenance Compounding effect Credit score improvement Summary table for benefits of taking a home loan Drawbacks of self-funding Opportunity cost Liquidity risk Reduced financial flexibility  Inflation risk Asset diversification Summary table for drawbacks of self-funding Conclusion When it comes to purchasing a […]

Table of Contents: Introduction What is the 4% rule? How it works Practical Considerations Conclusion Renting vs. Buying a Property: How to Decide Using the 4% Rule When it comes to choosing between renting and buying a home, it can be a tough decision, with both options offering distinct advantages. Renting offers flexibility and avoids […]

Table of Contents Introduction Understanding the Location Assessing Design and Space Evaluating Amenities and Infrastructure Making Informed Decisions on Price, Value, and Financing/ Making Smart Financial Choices Considering Additional Factors In Conclusion Buying a house is an achievement that represents years of financial planning and saving. Just like you would for any major investment, you […]

Table of contents: Introduction Unfold The Overheads Down Payment EMI Registration & Stamp Duty Goods and Services Tax (GST) Homeowners Insurance Property Tax Maintenance Charges Utilities Furniture and Interiors Factors Affecting Property Prices From City to City Location Economic Growth Regulations and Zoning Laws BENGALURU CHENNAI MUMBAI METROPOLITAN REGION (MMR) KOCHI Decision Of A Lifetime […]

Table of contents: Introduction Social Infrastructure Corporation vs. Non-Corporation Areas Location and Vulnerability to Floods Connectivity Vaastu and Astrology Conclusion According to recent data trends, Chennai’s real estate market has witnessed a staggering 34 per cent increase in housing sales, making it evident that the city’s real estate landscape is flourishing. Simply put, this is […]

Pune, often hailed as the cultural capital of Maharashtra, is witnessing a remarkable surge in its real estate sector. This growth is driven by economic dynamism, infrastructural development, and a vibrant lifestyle. Once renowned for its historical landmarks and educational institutions, Pune is now attracting new residents, making it a prime destination for homebuyers in […]

Table of contents: Introduction Reputation: The foundation of developer’s excellence Amenities and Infrastructure: The promise of the developer Legal Compliance: Ensuring confidence in your purchase Customer Service: Your real partner in the home-buying journey Conclusion When it comes to buying a home, prospective buyers often face the challenge of choosing the right developer. While property […]

Table of Content What are mixed-use developments? Types of mixed-use developments  Benefits of mixed-use developments Is a mixed-use development right for you? The Road Ahead India’s urban landscape is undergoing a major transformation. In the past, every area was compartmentalized into separate zones for work, residence, and recreation, which is now slowly converting to a […]

Summer is here, and it’s time to soak up the sun, enjoy the long days, and indulge in all the delicious seasonal treats. That’s why we’ve put together some easy and delicious summer recipes and drinks that are perfect for those hot summer days. Whether you’re planning a get-together with friends or a lazy day […]

Summer is a season of warmth, brightness, and vibrancy, and it’s the perfect time to refresh your home decor that reflects the spirit of the season. With the right choices, you can create a space that feels cool, airy, and inviting, even on the hottest of days. Here are some tips to get your home […]

In the last year, we’ve witnessed a substantial 35% spike in NRI investments in India’s residential real estate, with average investments ranging between ₹90 lakhs and ₹1.5 crores. This signals a noticeable uptick in NRI interest, possibly driven by factors like favourable market conditions and promising location prospects, among others. However, navigating the intricacies of […]

Table of Contents Introduction Transforming Terrace A tranquil haven for yoga To the moon and back – stargazing retreat at home. Harnessing well-being through terrace gardening Pergola bar inspirations Bringing theatre home Glamorizing Gardens Unlocking childhood fantasies with a treehouse The Joy of AlFrsco Brunch Swing into fun with a mini golf court in your […]

Table Of Content What is a Sale Deed? What’s The Importance of Mother Deed What is a Sale and Purchase Agreement? What A Building Approval Plan Means What is Possession Certificate? What is a Completion Certificate (CC)? What’s The Importance of a Khata Certificate? What is an Allotment Letter? Understanding The No Objection Certificate (NOC) […]

Lend a magical touch to your tablescapes, living room decor and outdoor decorations to elevate your festive meal from a chic dinner party to the most memorable gathering of the year. Here are some refreshing ideas for you to take inspiration from. Go ahead, unleash your creativity and imagination. Spectacular Tablescape Candle Magic & Potpourri […]

It’s that time of year again, when festive fervour grips the entire country. Navratri, Dussehra, Diwali, Christmas…the whole country is gripped in festive enthusiasm. And, when it comes to celebrations in India, can sweets be excluded? So, here are five healthy desi sweet recipes you can try at home this festive season without worrying about […]

Bengaluru’s is a story of phenomenal transformation. The ‘Garden City’ is more popularly known as the Silicon Valley Of India. As per figures last year, it is home to 1,400 IT firms and exported software worth ₹6,30,000 crore – almost 40% of India’s total exports. Along with an expanding IT sector and buzzing industrial belts, […]

Planning to choose the perfect colours for your dream home? This guide has got you covered — from selecting the ideal hues to setting your home’s tone. When designing your dream house, the choice of colours plays a significant role in accentuating the look and feel of your living spaces. Colours have the power to […]

Monsoons make you fall in love with your house all over again. It’s the time when all you want to do is curl up in a cosy corner with a hot cuppa. Having said that, it is also the season when the usual abundance of sunlight is missing indoors, and cloudy skies might leave you […]

Your compact home – whether a studio, a 1 BHK, or a 1.5 BHK, is a great place to experiment with interior ideas. You can amplify the space with the right design choices to match your lifestyle. We’ve picked some chic global design trends that can fit right into your 1-1.5 BHK home. Use the […]

“If you wish to know the divine, feel the wind on your face and the warm sun on your hand,” Buddha said. His words seem more relevant now when, as a civilisation, the importance of moving closer to nature has become starker than ever before. From aviation to agriculture, almost every field is increasingly developing […]

The harvest season, also known as Makar Sankranti or Pongal or Bihu or Lohri, depending on which region you celebrate it in, marks the dawn of many new beginnings. From all of us at Provident Housing, wish you all a very healthy and prosperous harvest! For this period, when you are typically surrounded by posts […]

It wasn’t very long ago when you had first dreamt of your own house and now after the tussles of down payments and EMIs, documents and taxes; you are finally getting the possession! The feeling is unmatched truly but there’s also a doubt- what if you miss checking something before signing off the last time? […]

To buy or not to buy

How about we make the money-planning easy for you?

Gearing up for a home loan? Keep these things in mind

Read type- Quick Read Read time- 2 minutes In the whole journey that you undergo right from hunting for a new house to actually starting to live in it, the least favourite pit-stop for each one of us is the moving day. Even though the event itself lasts for a day or two, the building […]

Read type: Leisure Read time: 3-4 minutes If you thought being a minimalist is about living out of a backpack, owning fewer things, living frugally and never investing in something you like- then you are reading the right article because those are exactly the myths we are here to bust today! A minimalist can be […]

Guess what else is soaring along with the temperatures these days? Your electricity bills! The ACs that are switched on through days and nights do not help global warming either, which seems to be one of the primary reasons for these extreme conditions anyway. Left to the millennials, you would pack your bags and head […]

Smart homes typically have intelligent devices/appliances connected to a common network and also, they are able to communicate with each other. This would typically mean that you can control the equipment via voice and also remotely, in real time. For example, if you are out for grocery shopping and can’t remember if there is enough […]

Mirror, mirror on the wall, whose house is the smallest of all? Alas! Always feels like yours, isn’t it? And no, we are not going to tell you to hang a mirror on the wall to make it look bigger. Because in case you have not noticed, the mirror also tends to reflect the cumulative […]

What are REITs? If capital appreciation via real estate is your goal, then REITs are just your thing. Just like mutual funds invest in various securities like equity, debt etc; REITs invest in real estate securities but unlike mutual funds REITs are traded in the stock market. There are many investors amongst us, who would […]

The idea of smart-storage in India has been quite skewed since many generations now. It basically involves buying trunks and chests and stuffing them with all the clutter. Of course, Indians are quite capable of finding things in that clutter also. We get trained, you see! But in this smart-age we live in, not just […]

A beautiful house. Check. Delightfully coloured walls and furniture. Check. Greenery at home. Check! It’s an age of convenience, where even plants are delivered to your doorstep. What, then, can be your reason for not having more of them? The blooms, the colours, the fragrances and the beautiful feeling of having another form of life […]

Looking for a start-point to tidy up your house? Try the KonMari method. The fact that Marie Kondo has become such an immense rage, speaks volumes about just how heavily we have cluttered our houses and thus, our lives. Today, we actually need a consultant to re-learn the art of organising and find joy in […]

It is being said that the growth in NRI investments currently being witnessed in the real estate sector of India, was last witnessed in 2012. In 2012, owing to dwindling Rupee, NRIs grabbed the opportunity and constituted about 25% of the annual property sales. A number that is usually in the range of 8-10%. Depreciating […]

What is the difference between the Zamindaars of yesteryears and the banks/NBFCs (Non-Banking Financial Companies) of today? The former had no way of finding out your loan repayment capacity but the latter does. And that is the single highest priority for a bank. No surprises here! At times, there is collateral also involved, in case […]

Gated Communities – Going Back to Our Roots We, at Provident Housing, would like to describe gated communities as unjointed joint families! If you look at it practically, that is precisely what the gated communities represent. They give you a family of your own without really intruding in your space. When you think of the […]

A Must Read Home Buying Guide for Women #BalanceforBetter Since times immemorial, buying a house of your own has been synonymous with men deciding the how and where of it. However, in this gratifying era when some women have found, and some are finding their voices; them looking for their own spaces/homes feels like a […]

Transform Your Home into a ‘Zen Space’ Your home is your ‘Zen Space’. Whether you are on a holiday or out on a business tour, your personal space remains your home. Altering a few essential elements to make you feel calm and blissful is always a good option, however, it does tend to get a […]

Investing in the Indian Real Estate Market – Best Time for NRI’s Real Estate in India – Current market Recent trends have shown a rise in expatriate Indians investing in real estate in India over the past few years. Media reports have stated that investments by NRIs in Indian real estate have doubled from USD […]

Meticulous planning, relentless research, and conversations with experts – you have a lot of work to do when you get ready to buy an affordable apartment in a huge city like Bangalore. We give you a handy four-point checklist that you just cannot ignore. Checklist #1: Your budget The first and foremost thing to take […]

Everything has to be perfect for your child from day one. And just overnight, you start looking at everything around you from a different perspective. The safety of your child becomes your primary concern. We bring you 5 important tips to keep in mind when preparing to make your home CHILD ready. Is your home […]

The capital of the newly formed Telangana state, Hyderabad is a typical bustling Indian city. And, this city, steeped in history and buzzing with commerce is in the cusp of a major infrastructural leap. Way back in the early 2000’s the government launched various endeavors to boost Hyderabad as a city of the future. The […]

How smart is your home? Picture this. You are miles away from your home on a family vacation and suddenly you realize you have not switched off a gadget at home. And you are not in a position to go home soon nor is there anyone to do it for you. Gone are the days when you had to fret and fidget about it. With rapid advances in technology and the Internet of Things (IoT) touching all facets of life as we know it, this level […]

Spring is finally here and that means it’s time for Holi! It also gives you the perfect excuse to spruce up your home and give it a colorful makeover. Holi is an outdoor festival and when you are decking up your home to celebrate it, you begin from the outside. Start with a colorful rangoli […]

Why Families Prefer South Bangalore  For a busy and happening city, Bangalore has its own character. And it is unbelievably green and endowed with multiple parks and gardens, especially down South. With its convenient connectivity, multispecialty hospitals, renowned educational institutions and recreation centres, South Bangalore is becoming popular among families to settle down. Education comes […]

Getting yourself ready for the winter is fairly easy, but getting your home ready for the winter is an entirely different story! So, unless you have some giant turtleneck sweater to drape around your home, read on to winter-proof your home! Though most parts of India do not get much frost, the northern parts do […]

Owning a house is a dream that everybody wants to realize. For many of us, it is the first biggest investment of our lives that is made possible only by availing a home loan. So, if you are at a stage where you’ve finally saved enough for down payment, but are skeptical about availing a […]

Have you heard about ‘upcycling’? Well for the uninitiated, it means reusing old or discarded materials creatively and producing a product of higher quality than the original. Our lifestyle usually revolves around everything coming in neat, separate packaging and that generates a lot of trash; however, not everything needs to be sent for recycling as […]

Your home is a temple of happiness. A place where you can be yourself. And by following a few ancient Chinese principles of Feng Shui, you can invite positive vibes into your life. Feng Shui being one of the largely followed practice across the world. Feng shui is a Chinese philosophical system of harmonising everyone […]

Vibrant colours, diverse prints and relaxed ambience can transform any space into an exotic one. If you wish to experience such fervour in your home décor, then start embellishing it with shades of ethnicity. India is a land with potpourri of cultures and traditions, which makes it unique, rich and vibrant. And infusing these ethnic […]

The Tastes of Rajasthan The Rajwadi land of Rajputs is known for its delectable food tastes and varieties. It is a gastronomic delight for any foodie. Influenced by its legacy of battles and the availability of ingredients in this arid region, the Rajasthani cuisine is inspired by the Royals of Rajasthan. So, when visiting the […]

Your first home is truly special for you, making it imperative that you leave no stone unturned in your research process to find that perfect home. From doing many field trips for finalizing the location to proper due diligence, buying a house calls for a lot of effort on your part. You need to weigh […]

Love the pitter-patter raindrops and getting drenched in the rain or simply enjoying a hot cuppa coffee in your living room, while gazing at rain? We all have our own ways of enjoying the rain. But after a while, the dull, grey skies forcing you to stay indoors make it boring. This makes it important […]

Kitchen is central to every home. The warmest room in a house, it is considered pious by many and needs to be made to perfection. From layout to design, storage to decor, the modern Indian kitchen has to be aesthetically and efficiently done. The decor is as important as the storage in a kitchen, thanks […]

Property buying has undergone a major overhaul and transformation over the years. The recce process has been replaced by online research. Studies suggest nearly 92% of property buyers, begin their search for a home, online. Though the number of people buying property online, still remain less, but going forward with the implementation of RERA and […]