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Determine Your Home Loan Eligibility with Housing Loan Calculator



Owning a home in a city or town of our choosing is a dream come true for many of us, as is a rite of passage for earning individuals. However, when faced with the skyrocketing rates of real estate, it may be difficult to purchase one outright. This is where banks and lending agencies can shine a ray of hope with Home Loans. 

However, before one applies for a Home Loan, one needs to assess their eligibility for receiving a home loan and the amount allowable. A Housing Loan eligibility calculator can help you assess where you stand and make the process easier. In this article, we look at how you can determine your Home Loan eligibility with the help of a Housing Loan calculator.

Home Loans Eligibility Criteria:

Every person who wishes to apply for a Housing Loan needs to clear a set of eligibility criteria set by the lending agency. While every bank has its own eligibility checkpoints, most of the metrics are predetermined by a regulatory authority. The most common eligibility testers are mentioned below for your understanding:

  1. The applicant’s age: to apply for a Home Loan, the applicant is required to be at least 21 years of age, and the maximum age may vary from one lending institution to another.
  2. Loan applicant’s income bracket: The loan applicant needs to prove that they have a steady and recurring source of income. To reduce the risk of lending, many banks and lending agencies have their minimum income criteria, which may start from Rs 25,000 per month or more and may change depending on the city where the applicant resides.
  3. The applicant’s creditworthiness: The banks and lending agencies thoroughly gauge the credit score of the individual applying for a Home Loan. A score of 750 and above is ideal for getting quick approval.
  4. Employment and economic stability: When banks and lending bodies assess a candidate for loan approval, having a stable job is a huge plus point in their checklist. If you have a job for 2-3 years, you may get a loan easily.
  5. Existing financial obligations and liabilities: If you have any previous liabilities, unpaid bills, ongoing loan repayments, and other financial obligations, the bank would check your ability to pay their Housing Loan back before approving your application.

Calculating Home Loan Eligibility: 

Calculating your Home Loan eligibility is a critical step before applying for a Home Loan, for if you apply without checking, you stand the risk of being rejected. Most banks and Non-Banking Financial Companies (NBFCs) have an online Housing Loan calculator on their websites that can help their customers and any interested party determine their Home Loan eligibility. These calculators are programmed to take into account criteria such as the applicant’s income, age, credit score, and any existing financial obligations to provide them with an estimate of the Home Loan amount they can receive.

Using a Housing Loan calculator is relatively simple compared to making the deductions yourself. All you need to do is add the details required in their respective fields to the most accurate figure. Based on these metrics, the calculator will give you an estimate of the amount you’re eligible for and if you can get a cheap Home Loan interest rate

A disclaimer while using these calculators would be to note that the estimate provided by the website is just an approximation per the programming. There can be a difference between the actual amount of loan a candidate is eligible for depending on the lender’s policies and your application’s strength.

How to Apply for Home Loan after Calculating Eligibility:

Once you have used the Housing Loan calculator to determine your eligibility, the next step is to apply for a Home Loan. Here are the steps involved in the process:

  1. Research and Compare: Research and compare different lenders and their Home Loan products. Look for factors like interest rates, processing fees, and repayment periods.
  2. Fill out the Home Loan Application Form: Once you have chosen a lender, fill the application form with accurate details. You’ll also need to submit documents such as identity proof, address proof, income proof, and property documents.
  3. Get verified by the lender: The lender will verify the documents and details provided by you. They may also conduct physical verification of the property.
  4. Have the loan sanctioned: If the lender is satisfied with your application, they will sanction the loan and provide you with a loan agreement.
  5. Loan disbursement: After you have signed the loan agreement, the lender will disburse the loan amount to the seller or developer of the property.

Documents Needed:

Once a candidate has understood their Home Loan eligibility and picked a lender, they need to fill out an application online and submit some documents to complete the process. The documents required are mentioned below and may be subject to a few more inclusions as per the respective bank.

  1. Identity proof (Aadhaar card, passport, voter ID card, PAN card, or driving licence)
  2. Address proof (Aadhaar card, passport, voter ID card, or utility bills)
  3. Income proof (Salary slips, bank statements, Form 16, or income tax returns)
  4. Property-related documents (A sale agreement, sale deed, or property documents)
  5. Employment-related documents (Job appointment letter, work experience certificate, or business proof)


Before you start with your loan application process for the house of your dreams, every applicant needs to understand what amount they may receive. This will help in a long-term financial plan that can aid in repaying the amount borrowed in suitable instalments without hurting your budget. If you’ve not yet started hunting for a home, it may be a great step to reverse engineer your way through the process and first find out how much you can borrow first. Next, figure out the down payment you can make to finalise your new home’s budget. This will make your loan application and house-hunting process much more streamlined as compared to any other approach. So, what are you waiting for? Start comparing your loan amounts by using various banks’ Home Loan eligibility calculators to get the best deal possible!


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When you’ve finish a piece furniture and getting it ready to be use, the last stage generally involve the application of varnish. Varnish provides your furniture with an extra glossy and darker appearance, which enhances its aesthetic appeal. Additionally, it creates a barrier that protects the wood from scratch marks or heat, as well as moisture, and other risks. In order to make the right decision you must be aware about the different types of varnish and the best way to apply the appropriate ones. Here is a step-by-step guide on the most effective method how to put varnish onto furniture.


If you are considering the best method of applying varnish onto furniture it is important to be aware about the type of varnish you select. Traditional varnish made of natural oils and resins is a good choice since you can mix them along with any stain or filler. For furniture that is indoor We recommend you do not use spar varnish since it is specifically designed to be used outdoors and for marine work.

Synthetic varnishes made of specific thinners and resins are an excellent option, however be sure to check the stain and fillers you are able to utilize for them. If you opt for an artificial varnish, your most effective choices are polyurethanes to increase durability and to prevent getting yellow. It is also possible to use alkyd or phenolic varnishes on furniture outside, but they tend to fade with time.

Water-based varnishes are an excellent option for a clear and fast drying varnish but it is preferential to apply them with an undercoat or an additional sealer coat of shellac.


For the most efficient method paint furniture with varnish, adhere to these guidelines:

  1. Apply varnish that is not used to a fresh naturally bristle brush. Beware of leftover varnish and used varnish since they could contain large, wasteful pieces of varnish that have hardened.
  2. Check that the furniture is properly prepared and sanded. Also, ensure that the surface has been scrubbed by tacking the surface.
  3. Apply the varnish on the surface horizontally, and then rotate the furniture to ensure that the major surfaces are horizontal.
  4. Get rid of any drawers, doors or other elements and then varnish them in the same way horizontally. It is best to work on smaller surfaces before the larger ones.
  5. Apply the varnish in a straight line by using long, smooth and even strokes using your brush. Do not touch or shake off any excess varnish in the container. If the brush begins to drag or spots that are missed begin to appear, apply a small quantity less (about 30 milliliters).
  6. After you have applied an even coat of varnish in the direction of with the grain. Apply additional varnish to keep the surface uniform and even. Be sure to keep the coating thin in order to avoid breaking as it ages.
  7. For final cleanup, take away any marks left by brushing the surface using dry brushes which is held with an angle. Be sure that the surface you have varnished is even, and utilize a lint rake to clean any dust off the surface that is wet.
  8. Depending on the varnish that is used depending on the varnish, the average drying time is usually 24 hours. Polyurethanes and water-based varnishes can require less time to dry, but humid or wet weather can cause it to take longer. When the surface is completely dried, you can use your judgement to decide if another coat is required.


In Carpenter Dubai & Joinery We offer expert services that can free you from any stress or mess and assist you in achieving the ideal design for your furnishings. To learn more about our services, visit us on the internet or talk with us today via phone. For the best method for applying varnish on furniture contact us for a no-obligation, free quote now.

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“Kitchen Appliance Packing Tips that Make Your Life Easier”



The kitchen is the heart of the home, and packing up your kitchen appliances for a move can be a daunting task. From bulky refrigerators to delicate blenders, each appliance requires careful handling to ensure it arrives at your new home in perfect condition. To make this process easier, we’ve compiled a list of kitchen appliance packing tips that will help you navigate this challenge smoothly. Click here for more info.

1. Gather Your Supplies:

Before you begin, make sure you have all the necessary packing supplies. You’ll need sturdy moving boxes, packing paper, bubble wrap, packing tape, and labels. Having these items on hand will streamline the packing process.

2. Clean Thoroughly:

Clean each appliance thoroughly before packing it. This will prevent any food residue or odors from lingering during transit. For refrigerators and freezers, defrost and clean them well in advance to ensure they’re dry before packing.

3. Take a Photo:

Before disconnecting any appliance, take a photo of the setup. This will serve as a reference when you’re setting them up in your new home. It’s especially helpful for appliances with complex connections, like your computerized refrigerator or dishwasher.

4. Pack Small Appliances Together:

Group smaller appliances together in a box, wrapping each one individually in bubble wrap or packing paper. Be sure to secure the cords to avoid tangling. Label the box clearly, indicating its contents and any special handling instructions.

5. Secure Loose Parts:

If your appliances have detachable parts such as blender blades or oven racks, remove them and pack them separately. These small components can easily get lost or damaged during a move.

6. Use Original Packaging:

Whenever possible, use the original packaging for your appliances. Manufacturers design these boxes to provide maximum protection during transit. If you no longer have the original packaging, consider investing in specialty boxes designed for appliances.

7. Protect Fragile Components:

For appliances with delicate components, like glass blender jars or mixer attachments, wrap them in bubble wrap or packing paper. Place them in a separate box with ample cushioning to prevent breakage.

8. Secure Moving Parts:

For appliances with doors, like ovens, microwaves, or dishwashers, secure the doors with packing tape or moving straps to prevent them from swinging open during transit. This will also protect the doors and hinges from damage.

9. Label Cords:

Label each cord with the name of the appliance it belongs to. This will make it much easier to reconnect everything when you’re setting up your kitchen in your new home.

10. Handle Refrigerators Carefully:

If you’re moving a refrigerator, disconnect it well in advance to allow it to defrost completely. Clean and dry the interior, and leave the doors open for a day to prevent mold growth. Use moving straps to secure the doors during transit to avoid damage.

11. Seek Professional Help:

For large or especially delicate appliances like stoves, wall ovens, or wine coolers, consider hiring professional movers who specialize in appliance relocation. They have the expertise and equipment to move these items safely.

12. Plan Your New Kitchen:

Before moving day, have a plan for where each appliance will go in your new kitchen. Knowing their placement in advance will make unpacking and setting up much smoother.

13. Check for Manuals:

Keep all appliance manuals and warranties in a safe place. You might need them when setting up your appliances in your new home.

14. Test Your Appliances:

After your appliances are in place, test each one to ensure they’re working correctly. This is especially important for refrigerators and freezers, as you’ll want to ensure they’re cooling properly.

Packing up your kitchen appliances for a move can be a challenging task, but with these tips, you can ensure that your appliances arrive safely at your new home, ready to serve you once again. Visit website for more info.

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5 Storage and Removal Services that will take the stress out of your move



Moving can be an exciting but also highly stressful experience. From organizing your belongings to coordinating logistics, there’s a lot to manage. Fortunately, there are professional storage and removal services that can help alleviate some of the burdens associated with moving.

In this article, we will explore five such services that can take the stress out of your move, allowing you to focus on the excitement of settling into your new home. Click here for more info.

**1. Full Packing and Unpacking Services:

One of the most time-consuming aspects of moving is packing and unpacking your belongings. Professional removalists offer full packing and unpacking services, where they meticulously pack your items, ensuring their safety during transit. This not only saves you time but also ensures that your possessions are handled with care.

2. Furniture Disassembly and Assembly:

Large and bulky furniture pieces can be a challenge to move. Removalists can disassemble your furniture before the move and reassemble it at your new home. This service not only saves you the hassle of figuring out how to take apart complex furniture but also ensures that it’s reassembled correctly, preventing damage.

3. Temporary Storage Solutions:

Sometimes, your move-out and move-in dates don’t align perfectly. In such cases, storage services can be a lifesaver. Removalists often provide secure, climate-controlled storage facilities where you can store your belongings for a short or extended period. This flexibility allows you to coordinate your move more smoothly.

4. Specialty Moves:

If you have unique, valuable, or delicate items such as antiques, pianos, or fine art, you may require specialized removal services. Removalists experienced in handling specialty items have the expertise and equipment to ensure these items are safely transported. They use custom packaging, padding, and handling techniques to protect your valuables.

5. Cleaning and Home Preparation:

Once your belongings are out of your old home, you might need a thorough cleaning before handing it over to the next occupants or the landlord. Many removal companies offer cleaning services that can help you leave your old home in pristine condition. This can save you time and ensure you fulfill any lease obligations.

How These Services Benefit You:

  • Time Savings: Professional removalists can significantly reduce the time and effort required for your move. They efficiently manage the entire process, from packing to unpacking, so you can focus on other aspects of your transition.
  • Reduced Stress: Moving can be stressful, but knowing that experienced professionals are handling your belongings can provide peace of mind. You can trust that your items will be treated with care.
  • Safety and Protection: Removalists have the proper equipment and training to protect your possessions during the move. They use padding, straps, and other tools to ensure everything arrives intact.
  • Customized Solutions: Removal companies often tailor their services to your specific needs. Whether you require help with a small apartment move or a large family home, they can adapt their services accordingly.
  • Expertise and Experience: Experienced removalists know how to navigate common moving challenges, like tight stairwells or delicate items. Their knowledge helps prevent accidents and damage.

In Conclusion:

Moving doesn’t have to be a stressful ordeal. Professional removal and storage services can simplify the process and ensure your move is as smooth as possible. When planning your next move, consider enlisting the help of these services to take the stress out of your transition, allowing you to focus on the excitement of settling into your new home. Visit website to know more

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