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Saving money and cautiously spending it is an art that we have all learnt since our childhood. Piggy banks or first banks are where we understand how to save money as children and then spend it wisely.

Today, your credit report gives a clear picture of your ongoing credit account and your present credit score. Any discrepancy in your credit report can bring down your credit score. It is, therefore, advised to check your credit report and score regularly.

A good credit score will help you to get a credit card, a car loan or a home mortgage. Your credit score is a three-digit number which is obtained after a detailed study of your credit history. It includes your overall behaviour in handling your money and other valuable assets. Your general attitude towards your financial duties, credit history, repayment records and other credit enquiries contribute to your credit score.

Having a higher credit score may enable you to receive more benefits like a higher loan amount, a lower interest rate and your choice of term for the loan repayment. The credit score in India ranges from 300 to 900. The closer you are to 900, that is, the higher the credit score, the better your chances of getting a good deal on personal loans as well as credit cards. This three-digit number is the CIBIL score that gives a complete summary of your credit history. Any score above 750 is supposed to be ideal and you are eligible for various credit cards and loans. If your score is less than 750, it will be difficult for you to avail yourself of any loan.

To get a clear picture and to understand your credit score, the following should be understood:

Above 750 is an excellent credit score

From 700 to 750 is a great credit score

From 650 to 700 is a good credit score

From 600 to 650, the score is not very good and can have a negative effect in case you are looking for a loan

If your score is below 600, there is a minimum possibility that you will get a loan. Credit information companies like Transunion CIBIL Limited source and compile all your credit information from banks and other financial institutions and frame it into a credit information report which in turn, leads to the credit score. The practice of paying your credit card bills and EMIs timely also influences your credit score. Other information that contributes to calculating individuals’ credit scores are the credit history, the number of outstanding loans, and credit card payment history. This credit score has a very strong impact on your loan eligibility as this is calculated using your credit score, income and your current EMI. The higher your credit score, the better the chances of you getting a loan. HDFC home loans facilitate easy access to all your loaning requirements, CRM Team shall provide you assistance for all your queries associated with FIO HOMES II. Besides getting easy loans, people with higher credit scores can negotiate for better interest rates, credit cards with higher credit limits, apply for loans with longer durations, apply for pre-approved loans, and ask for discounts on loan processing fees. It, therefore, gives you better negotiating powers and lets you choose from several options while taking a loan.

Certain practices essential for your financial well-being include:

1. Clear all your credit card and EMI dues: You must keep a record of all your expenses and pay all your bills timely. Any delayed payments and multiple ongoing loans can hamper your credit score and hence, payment of all the EMIs before the due date helps you get a good credit score.

2. Credit cards to be used systematically: Maintain a credit utilization ratio of credit cards between 30% to 40%. It is always better to pay your dues timely and maintain a reasonable credit limit rather than closing the credit cards. You should also avoid using too many credit cards.

3. Do not apply for multiple loans at one point in time: Your credit score can adversely be affected if you apply for multiple loans at the same time from different sources, as it shows your urgency for credit. Multiple unsecured loans affect your credit score drastically. Hence, you should maintain a mix of both secured and unsecured loans. For any kind of business, either for building up your house, buying a new property, or a new vehicle, a loan always makes things easy for you. Hence, it is of utmost importance that you maintain a good credit score which would enable you to fulfil your dreams and make you eligible for a loan as and when you require it.

As the world progressively advances in adapting itself to the new challenges offered
post-pandemic, there has been a considerable increase in the demand for property for
investment, safety, and security. The changing trends in the real estate sector have brought about a great evolution with the changing demands of the customers. Some essential trends in real estate:

1. A rapid shift from the city to the suburbs: Post-Covid 19 there has been an increase
in the demand of the people to relocate themselves away from the humdrum of city life and look for office spaces in the suburbs which would provide them all the health benefits and a relaxed atmosphere to work in, LA-MER provides you with all such benefits and open spaces which fulfil the needs of the customer.

2. An investment option: Investment in real estate has increased considerably post Covid 19. It serves as an income-generating asset in times of need and crisis. The changing trends in real estate have resulted in a growth in NRI investment and funding over the last few years resulting in an upward trend in times to come.

3. Growth in online real estate services: Information technology has helped customers research, buy, and sell a property. With the facility of virtual walk-through, the customers can get a complete idea of the property they want to invest in while sitting at faraway locations. Digitisation in real estate has experienced an upward trend adding value to their business. LA-MER provides you with an online facility to look, see and buy the choicest of properties.

4. Lower interest rate: Post-Covid 19 the situation in the real estate sector has changed drastically. The banks offer lower interest rates to the customers encouraging them to invest in property. HDFC Bank ensures this facility to all its customers at LA-MER enabling them easy funding and providing them loans at a lower interest rate.

5. Increase in the demand for the office sector: The office markets have experienced an upswing, especially in the information technology sector. Based on their hiring there has been an incremental demand for office spaces in commercial real estate. The office spaces provided by LA-MER provide you with all the benefits and a suitable and healthy working environment for its employees.

6. Focus on the local market: After the pandemic, the investors now prefer places about which they already have some knowledge and experience. Overcrowding in the cities has led to an increase in the cost and the spread of infection resulting in various complications. The increasing investment in the property at LA- MER has shown the trust and faith of the people in the KS group which is an established name resulting In more and more investment in their commercial spaces. Although it is one of the last markets to embrace digitisation, the real estate industry is actively growing and abiding by the most popular real estate technology trends. By 2022 the investors will lead to a much greater range of opportunities providing more chances to the people.

Six reasons why you should invest in real estate of the various options available for investment, real estate has always been a hot favorite for all seeking long-term benefits. LA-MER, in Zirakpur, has come up to be an excellent investment opportunity for all those wanting to avail profitable returns in the long run. Some important reasons why people consider investing in real estate as the best possible option.

1. A VALUABLE ASSET FOREVER: Investing in real estate proves to be beneficial for a lifetime as you always own the property and being a tangible asset it can be rented out or mortgaged in times of need. Unlike the stock market which is subject to fluctuations, property prices remain stable for a long time and always give you increasing returns.
2. TAX BENEFITS : Buying property in real estate helps you claim a lot of tax deductions Thereby helping you save the taxes levied by the authorities. Investors in real estate get Lower tax rates for their long-term investments. More so, there is no self-employment tax on rental income.
3. AS A SOURCE OF INCOME: Investment in real estate is a source of passive income in terms of rental income. Rental income can be considered one of the best sources of income as it is a fixed income and one can plan his budget accordingly. Investing in LA-MER provides you with the best possible option to not only buy a property, own it, or even rent it out for a fixed and steady income. This passive income offers long-term financial security to the investor.
4. A SAFE SECURE INVESTMENT: Investing in LA-MER fulfils the criteria of a safe and Secure investment. Associated with the most established KS group, this property is a safe and secure form of investment, providing you with world-class amenities, open space, all the security measures, and all basic conveniences.
5. APPRECIATION OF VALUE: Property value is bound to increase over time, promising you higher returns. The property available at LA-MER assures you of long-term benefits as with time the value of this investment is bound to increase.
6. LEVERAGE: Another very important aspect of buying property in LA-MER ensures you that you invest only a small amount as a down payment from your savings and get the rest financed easily. It enables you to own the property with a bit of investment. The tie-up with HDFC loans has made things possible and easy for our investors. Property being a tangible asset will always provide you security for a lifetime as there will always be value in real estate as compared to other forms of investment. Real estate investments are thus always profitable, as compared to other forms of investment such as stocks which have little or no tangible value. Real estate is easy to purchase, provides you with various tax benefits, and enhances your lifestyle. Hence even today of all the forms of investment real estate is supposed to be the safest, secured, and the best form of investment providing you with maximum returns and a guarantee for the future.

Gaining popularity in the last couple of years Zirakpur has established a name for itself where investors see a bright future for the cost-effective property which is bound to grow as development increases. LA-MER, a prestigious project of Zirakpur has come up and has established itself well, where the benefits and incentives are extremely alluring. Besides the IT cities like Hyderabad, Bengaluru, and Pune which have a great scope for real estate investment with the availability of prime office spaces, Zirakpur, which is adjoining Chandigarh, Panchkula, Mohali and Ambala has established itself as one of the prime locations of investment which not only provides ample work opportunities but also new office spaces which are being designed with all the facilities, keeping in mind all the needs and requirements of the employee and for all this provision is made in LA-MER our esteemed project. This project lying in the heart of Zirakpur creates a suitable work environment that brings about creativity and innovation in the minds of the employees and simultaneously provides them the benefits of leisure and comfort.

The retail spaces available for offices here are high in demand as the rising need of the Tricity is met here.

Another important reason to invest in Zirakpur comes to light as the increasing property prices in Tricity, and lack of space in Chandigarh makes people think twice before investing. Zirakpur seems to be the best possible option with its rising facilities and the search for a safe, reliable, and affordable property ends here. With the huge economic boom in the real estate sector and the increase in the average income and the spending capacity of the middle-income group the demand for property has greatly arisen and Zirakpur seems to be the safest option with the project LA-MER adding to its beauty. People wait for auspicious occasions to invest, and this is probably the best time when people buy a new property and make investments.

In the last couple of years, Zirakpur has proved to be a promising destination for all investors as a number of projects have come up here and there is a considerable increase as more and more developers and investors are keen to join in.

Many big and international brands like US Polo, H&M, Adidas, Reebok, and many eating joints like Dominos, Pizza Hut, Burger King, Baskin Robbins, Sagar Ratna, Barbeque Nation, and Starbucks are all found in Zirakpur and surround our project LA-MER. These brands have already added to the value of this upcoming town and also to the demand for our project.

It’s in the vicinity of the international airport and lying on the PR-7 airport road owing to its closeness to Delhi, Ambala, and Shimla, Zirakpur has become a hub for investors. The demand for plots in Zirakpur is continuously rising because of the favorable returns that are ensured to the customers in the years to come. With the prices being updated continuously LA-MER provides excellent opportunities to its customers to invest in the retail spaces where the possession of plots has started already.

Lying close to Chandigarh and being an upcoming location it has a lot of greenery around and has a healthy and breathable environment suitable for all living beings. The amenities and facilities provided at LA-MER make it one of the best reasons to invest in and around Zirakpur with high returns and brighter future prospects.

When it comes to the world of real estate, people keep on investing as much money on residential or commercial property. There are even those individuals who remain emotionally unattached and invest as much money as they can in real estate. As a result of which they earn huge profits and live a very comfortable lifestyle. During the downturn in the market, investing in real estate especially at that time can boost up the opportunities of attracting the investors and further bring about lucrative results. If you are thinking about becoming a real estate investor or you are planning to start a new relaxed and pleasant lifestyle, just follow the information. You must always prefer to invest in a place where you have the benefit and invest at the time of downturn in the market.

Besides creating much wealth or residing in a comfortable home you must also keep in mind these important things that play an important role which includes Safe investment, No taxes, almost everyone can invest, and power. Regardless of your economical conditions, real estate investment is the best investment that a person can do.

As the economy is witnessing an upward trend in the real estate market over the last few months there is bound to be a boom in the commercial sector of Zirakpur which is an ideal and most profitable investment for all its investors. Zirakpur tops the list where investment in real estate is concerned it is one of the better choices of investment and some of the key factors responsible for its development can be
summarised as

1. Its proximity to the Tricity: Situated close to Chandigarh, Panchkula, and Mohali,
   Zirakpur has easy access to all these places and can reach them within no time. Lying on
   the National Highway it has good connectivity to Ambala and Delhi with a good network of
   roads and flyovers and a well-established transport system.
2. Higher rate of interest: The real estate market in Zirakpur is touching a new high with a
   lot of opportunities and affordability for all classes and masses. With higher returns in the
   future, investments have now taken an upswing in Zirakpur with promising returns which
   enable the investors to create more opportunities, and LA-MER is the best possible option.
3. Its closeness to the international airport: Situated in a prime location at the PR-7
   Airport road and a 10-minute drive from the international airport, LA-MER is an already
   established brand. Its closeness to the international airport makes it a prime spot for
   investment and the first choice of all investors.
4. Closeness to the international brands: LA-MER has great potential and is a new
   destination in Zirakpur being the first choice of investors. Many International eating joints like
   McDonald’s, Dominos, Baskin Robin, Burger King, Starbucks, and KFC surround our project.
   Showrooms like DMart, Decathlon, and Tata Croma are all close to our project. To enjoy the
   Indian delicacies Sagar Ratna, Bikaner, Barbeque Nation, and Cafe Coffee Day are all
   present in Zirakpur. Branded stores like Levi’s, H&M, Adidas, and Reebok are all located
   close to LA-MER. To enjoy a movie with your loved ones you can always visit the Inox
   located close to our project. LA-MER is just two minutes away from the Cosmo Mall and
   three minutes away from Metro/ Best Price.
5. Newly designed office spaces: Keeping in mind the present-day situation,
   post-pandemic, the office spaces are designed to make the employee feel innovative and
   energetic. All facilities regarding, security, health, hygiene, power backup, etc. are provided
   here. The employee being the center of attraction, provisions are made for his leisure and
   comfort as well and provide him a work area where he can feel at ease.
   Being an upcoming brand LA-MER already has a lot of investors who are already making
   the best use of this opportunity. The prices are being revised regularly, it has already started
   ‘with the possession of its plots. Being an important commercial space of Zirakpur
   is an ideal site for investment as the brand is gaining popularity day by day.

With the advancement of technology, the advent of digital dashboards, and a wide range of mobile applications there has been a radical reformation in the real estate market. Technology has proved to be a boon in the case of real estate as it helps to speed up the transactions and coordinate the property management techniques.

After the pandemic, the advancement of technology in real estate has touched new heights. Keeping in mind all the health and safety concerns there has been substantial growth in property technology.

Technology today is benefiting both buyers and sellers. Starting from scratch, all the actions be it drafting, marketing, construction, or financing are all dependent upon technology today. In the past couple of years, there has been a huge shift from off-line to online buying of property which shows the immense impact of technology in the real estate sector.

From Artificial Intelligence to Virtual Reality, FIO Homes II have already imbibed the concept and enabled a virtual walk-through of their entire project and has witnessed significant growth in recent years.

With the rise of several platforms for property search, and the data being easily accessible online, the search for FIO Homes II is just a click away, as all the relevant information can easily be gathered online on your smartphones.

Technology has widely benefited the investors, as with the Predictive Analysis Technique, the investors can gauge the rise in the property prices and evaluate the possible rise in the future.

The concept of a Smart Home has been made possible with FIO Homes II, where a large number of gadgets and appliances work by managing the devices on an application based on your smartphone. Setting reminders, managing your bills, etc. all require modern infrastructural facilities, which are easily supported by our project.

Due to a rapid increase in the demand for societies and flats, the growing rate of urbanization, and a drastic change in lifestyles, the advancement of technology has proved to be a blessing. People sitting in far-off places can get an exact picture of the flat they want, either for residing or for sale and purchase can do all their transactions online within a short period, all as a result of technology. FIO Homes II, an ultra-modern project, suits the requirements of all kinds of buyers and provides them with an online facility for all their transactions. The cloud services have benefitted the real estate stakeholders as they can easily access any property documents from their current location.

Moreso, easy financing options available with FIO Homes II have made it possible for the buyers to invest here.

The old and conventional methods have easily been replaced by the new real estate technology, where Augmented Reality, Artificial Intelligence, and Robotic Process Automation have revolutionized the real estate sector, making it more user-friendly, convenient, and reliable. Technology is bound to grow in the coming years which is going to result in the ease of transactions, transparency, and advanced mechanism.

Out of some of the best residential properties available in Zirakpur, FIO Homes has already launched another project FIO Homes ll, after the great success of FIO Homes l, The KS group is providing you with ready-to-move apartments with all the modern amenities.

Reasons to choose FIO Homes II:

1. Reasonably priced apartments: The ready-to-move-in apartments available at FIO Homes II are very economically priced and suit the pocket of every buyer. Starting at a very nominal range of 51 lakhs only, the apartments offer ample facilities to their customers making them suitable for them and fitting in their budget.
2. Facilities offered in the apartment: FIO Homes II are built with ultramodern facilities, these apartments cater to all your basic needs providing you with a covered parking area, earthquake-resistant construction, lush green parks, a clubhouse, and a well-developed security system with 24/7 CCTV surveillance.
3. A RERA registered project: FIO Homes II, is a very well thought out and planned residential project after its huge success in FIO Homes I. This venture by the KS group has rightfully and lawfully been approved by RERA and provides its buyers ample loans from the respective banks to fulfill their dreams.
4. Nearby facilities: Being close to our project, FIO Homes II are educational institutions like Gurukul school and Saint Xavier’s school which are just 10 minutes away. Two minutes from the residential area is the facility of a bank or an ATM. The well-known Paras Mall to suit all your needs and requirements is only 10 minutes away. Eating joints like KFC and McDonald’s and the well-developed market of sector 20 Panchkula, again stand at a distance of 10 minutes. For any kind of medical emergency, the Alchemist Hospital is also just 10 minutes from FIO Homes II.
5. Clean environment: FIO Homes II, provide you not only the apartments with modern amenities and facilities. It also takes care of your health by providing a lush green environment with healthy and clean surroundings with the facility of parks and a green area to provide all the health benefits.
6. Excellent infrastructural facilities: Besides the use of modern techniques and modern equipment the rooms are well-planned and every inch of space has been best utilized. Excellent use of woodwork, tiles, marble, stone, etc. all add to the beauty of the apartment. The built-in cupboards, proper lighting, spacious kitchen, and a beautifully done-up lobby, all keeping in mind the Vastu of the house are a dream come true for any family.

The KS Group has established a name in residential and commercial properties catering to an eminent set of buyers. Offering you a well-established 3BHK in Zirakpur for residential purposes as well as for buying and selling they offer you the finest of products you would ever think of. The proposed airport Road – PR 7 and a 10-minute proposed 50 acres Green Park all add to the attraction of this project. The dream of a luxurious home, which one would like to own and settle down with their family has been made true by FIO Homes II.