Everything-Real Estate

Self-employed businessmen and entrepreneurs assume that getting a home loan from banks and financial institutions is easy as a peach. With income statements, lenders cannot ascertain that the same pattern will follow in the future. And because of the same, profit to the businesses is not the only factor that banks look at while evaluating the financial prominence. To arrive at a clear image of the financial prominence, lenders also look at other key factors involving ratios. For a businessmen or self-employed entrepreneurs, this knowledge about the way in which banks assess and arrive at those ratios is vital. This article elaborates the 3 most important financial ratios that the banks evaluate. DSCR which expands as Debt Service Coverage Ratio: For people who run businesses, the banks evaluate the DSCR or Debt Service Coverage Ratio. This ratio identifies the ability of the borrower to repay the loan. With this ratio, the lenders can find out the profit in cash that is a...

We all use bathroom almost every single day to start a day with a good cold bath or to end a tiring day with a warm shower. With the advent of small compact apartment units, the bathroom space is getting even smaller and the walls are closing in on us. Small bathrooms have become common everywhere and the lack of space is making us claustrophobic at a place where it ought to feel the most at ease. But even with such a small compact space in the bathroom, we can do a lot with the ergonomic planning of space. By using almost every section of the space intelligently, we can make the bathroom completely functional and convenient for our sake. Here we will see how to optimize small bathroom space: Creating spaciousness with reflection: We cannot possibly create space with reflective elements. But with smart use of mirrors can induce a spacious effect in the bathroom. A large mirror with a defining frame that looks daring is a great option to do this. By creating an illusion of...

Property rental sector is impacted in a huge way due to illegal practices followed by some scammers. The increase in these scams is a matter of concern for tenants and landlords across the country. People looking for lease and rental properties are often fooled by scammers and the following article is to raise awareness among the common populace. Some of the usual scamming practices are: Absence of legal rental agreements: It is straight away a red flag if property owners or agents agree to rent the property without drawing up a legal deed. A rental agreement has the important details like the time period of stay, rental amount and other clauses regarding the handling of facilities in the place. Without an agreement, there are chances of problems to arise between the tenants and the landlord in the future. Tenants can also easily practice illegal activities without a fret in case of the absence of proper rental agreements. Demand of money before seeing the rental/leasing...