How’s it going, friends? Loan Singh here with today’s ‘bring the house down and raise it back up’ blog post. By now you must have gotten a hand of my writing. Would love suggestions and comments, either at the end of the blog post or you can write to us on ‘firstname.lastname@example.org’.
Renovating your home is not just a symbol of status but also of necessity. With a growing family and changing needs, your house needs to improve as well. A house is only the brick & mortar structure and it becomes a home when it can accommodate and provide for the needs of each family member. Arranging for funds will be the biggest challenge that you will face during home improvement and you should not let the lack of capital deter your zeal.
For readers who want to get it right on the first attempt, home improvement requires attention towards planning, selection of materials and hiring the right specialists. We look at some home improvement tips which can make your home a sight of envy to your neighbors and help convert your house into the Home of your Dreams.
How can I apply for an online home improvement loan?
Can you handle the wait that for a personal loan from banks? The unending documents and paperwork will test your patience anyway. Trust me when I tell you that an online loan is the best solution for you in order to get quick funds without any delay. Simply go to www.loansingh.com and apply for an online home improvement loan under the personal loan canopy.
For those of you who don’t know, a personal loan is an unsecured loan that can be easily availed to spend on home renovation. All you need to avail an online home renovation loan is your Aadhaar, PAN and bank statement PDF. If you provide all the documents correctly and also rank high on your credit score, you will get instant pre-approval. The amount is then disbursed to your account within 48 hours.
Your credit score indicates how prompt you have been with your past credit obligations. Availing a personal loan via Loan Singh is advantageous because of the complete online process and minimal involvement of paperwork. So, no time is wasted in cross verifying any paperwork. The personal loan amount, along with interest rate, is calculated for the entire tenure, and in case you want to clear-off the loan before tenure completion, no prepayment penalty is levied by Loan Singh. The idea is to not strain you with credit but to make sure that your salary and savings permit you to avail credit.
The loan amount and tenure will determine the EMI repayment amount. A monthly EMI repayment promise (NACH mandate) is enough to get the EMIs auto-debited from your account.
The personal loan criteria to be eligible for Loan Singh are:
Have the right age
Be at least 21 years of age, and of Indian nationality.
You have to be salaried
Be a working professional with a minimum monthly salary of Rs.15000
Good credit history
You should have a good credit history, a good credit utilization ratio and a balanced credit mix. In case of no credit history, you must at least be salaried for the last 6 months.
Provide your financials
Provide your latest 6 months bank statement in PDF along with PAN and Aadhaar. Remember to provide the bank statement in the PDF format only. If not, then ‘like a spanner thrown in the works’, the algorithm won’t be able to give us the desired output.
7 Home Renovation Tips
We get many salaried individuals on our platform who applies for an online personal loan with Loan Singh to upgrade their homes. These home improvement tips are quite generic and will help anyone – irrespective of house structure and capital required.
Prepare a mental picture of what color theme you would like to add, the placement of objects, would you need any reconstruction done to create space for new furniture, placement of new ornaments, etc. This mental picture will enable you to prepare a cost structure along with your interior designer. There has to be a plan otherwise your expenses will explode. List your priority areas for improvement. Maybe, start-off with the living room, and then proceed to the bedroom, then to the kitchen, etc.
Choose a simplistic theme and don’t always rely on the input of the designer.
Trying a DIY approach for things like raw materials, plasters, paints, etc. could be challenging unless you have the correct skillsets or prior experience. Read reviews, consider multiple options to find the correct contractor or developer who fits in your budget and promises efficient delivery. Although professionals will do what they do best, ensure you share firm requirement and budgets and keep a regular check on both.
Space the rooms properly. Try keeping comfortable spacing for closets and lofts in rooms to store old stuff. Design proper hallways that connect one part of the house to another. Keep enough space for a study and a recreation room (for movie nights with family). Keep in mind that remodeling is all about spacing. You need the extra space for a family gathering or uninvited guests.
Try using big mirrors, aquariums, bronze sculptures, antique artifacts, and green plant vases add to the beauty and splendor of your home.
Chandeliers give your home a royal look. The lights used in them should be warm. A cool tip is to have a regulator for changing the brightness of the chandelier. See-through curtains allow natural light to keep the house illuminated while shapely curtain holders give it an urban look. The curtains should preferably be of cotton.
The last yet crucial element in remodeling is the Paint. The new color should be fresh and vibrant without being gaudy. The tones should complement the ceiling and the walls. Flooring made of wood which is painted in dark color tones make the interiors in your home stand out.
Improve the finish of shelves, cutlery drawers, tools cabinet, etc. Make sure the remodeling of the house does not cause disarray towards water supply and sewage connections. You must keep everything simple without compromising on the proper structure of the primary construction. The bathroom also needs your kind attention. There is a saying that “A beautiful home begins with a beautiful bathroom”. Use enameled basins, toilets and flush. Keep the flooring polished and use glass for cubicles.
Certain common ideas are bound to come in from your designer. But if you keep in mind the above-mentioned tips, you can be wiser in making decisions and have an edge during the housewarming party.
Loan Singh is a digital lending platform that prides in providing online and unsecured personal loans to salaried individuals. You can apply for quick funds as an easy emergency loan which is not a bank loan, but provide a loan with best personal loan interest rates. The instant funds, or instant loans, are small loans taken for purposes such as:
- Home improvement loan/Home renovation loan
- House repair loan
- Marriage loan/ Wedding loan
- Medical loan
- Second-hand car loan
- Second-hand bike loan
- Consumer durable loan
- Vacation loan
- Debt consolidation loan
- Credit card refinancing loan
- Job relocation loan
- Travel loan
- Festival loan
You can calculate your easy EMIs using our personal loan EMI calculator. We accept bank statement, PAN, and Aadhaar for quick loan approval. A bad credit score or credit report errors can lead to personal loan rejection. The ‘Loan Singh Blog’ is one of the best finance blogs in India.
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