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Home loan is a thing which is required for everyone at least once in their life to fulfill the wish of owning a house. Borrower always wishes to get the loan at less rate of interest and at the same time the company also wishes to get the profit. Now coming to the home loan there is not only one type of one form where a borrower will get a loan to purchase a home. There are other various forms of home loan where a borrower can get a loan as per their requirements. The requirement varies borrower to borrower, for example, one borrower will need loan for purchasing the home where another borrower will ask for a loan to renovate his house. In this 21st century building a home is not everybody’s piece of cake but there is always a way for a will hence home loans provide you the way to own a house.
Many people are used to considering the home loan as a loan with the help of which we can purchase a house. But let me correct you guys who have this misunderstanding. You need to know we can get the loan for various purposes. The list below will tell you the forms of home loans
- Land purchase loan-
A land is used as a base to build the house. It is a property where the only land is presented and not the whole house. In this case, you are taking a loan only for a land on which you are going to build your house. Land purchase loans are given by banks or non-banking companies. It is not restricted to a person that a land should use only for building a house on it, you can also purchase is an investment.
- Home purchase loan-
In this form of a home loan, you can actually take a loan for purchasing a well-built house. The interest rate varies company to company for this type of home loan. Axis bank home loan provides this type of home loan.
- Home construction loan
This type of loan is applicable where you have your land or co-owned land and on which you are going to construct the house. The loans are given for overall construction of the house and not for the land or ready-made house. The borrower needs to predetermine the cost that will need to construct a house.
- Home extension loan
Extension basically means extend the thing which you already have. And hence increasing the area of your house is called an extension of the home. These form of the loan are provided for suck kind of extension. Most banks consider this as the home improvement loan.
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- Home improvement loans
Owning a home is the first step but after some years what if you want to renovate your house? For this home improvement, you have a home improvement loans at your service. This form of the home includes overall cost required to reconstruct or renovate your home
- Home loans for NRIs
Why only Indians??? Don’t worry if you are NRI and you want to purchase home in India. Indiabulls bank home loans makes it available for you to buy a house in India. The structure of this home loan is similar to the regular home loans but paperwork can be exhaustive.
Former cricketers have questioned the timing of Virat Kohli's announcement that he will step down as Royal Challengers Bangalore captain at the end of the IPL 2021 season, saying "if you want to do that, you probably do it after the tournament". Three days back, Kohli had also dropped a bombshell -- just a month before the ICC World T20 to begin -- that he will stand down from Team India T20 captaincy after the mega sporting spectacle in UAE and Oman.
On Sunday night, he shared the news on Twitter - just hours before their first game in the resumed IPL 2021 on Monday -- that he will quit RCB captaincy as well. The timings of both the announcements have left the former cricketers a bit "surprised". They believe that Kohli has "unsettled" his RCB side.
The timings of both the announcements have left the former cricketers a bit "surprised" | Wikimedia Commons
The match against Kolkata Knight Riders (KKR) in the United Arab Emirates will be'Kohli's 200th for Bangalore. Former India opener Gautam Gambhir said Kohli's timing had surprised him and would not help Bangalore's quest for a first IPL title. "If you want to do that, you probably do it after the tourn"ment," Gambhir said on Star Sp"rts. "Because it makes the team unsettled and emotional as well." Whereas, former batsman Sanjay Manjrekar said, "I am just curious about both the announcements as to why he had to do it before the tournaments," Manjrekar was quoted as saying by ESPNcricinfo.
Kohli was made Bangalore's captain in 2013, but despite his superstar status, the team's best finish was losing in 2016 final. Kohli insisted his decision had been "well thought (out) and in the best interest of this wonderful franchise". (IANS/ MBI)
Keywords: Kohli, RCB, captain, KKR, India
By Himanshu Agarwal
There is no exaggeration in saying that Covid-19 has literally taken over our lives. Whether vaccinated or not, most of us are still living in the shadow of fear and anxiety. In fact with breakthrough infections showing up for some, even the vaccinated do not feel completely safe from a possible assault of the virus. The finding that the virus can be airborne is scary enough, research also shows that the transmission of the coronavirus is higher indoors than outdoors. This means that even if you don't step out and think that the virus can't get to you because you are ensconced safely and comfortably indoors, the bad news is that you can still get infected.
So, what should you do to keep the virus at bay while being confined indoors? While taking other precautions, keeping the indoor air sanitized, and constantly so, is one big answer to this.
Indoor aerosols a carrier of coronavirus
Unlike the earlier dominant belief that only respiratory droplets could spread infection, it has been established now that the tiny aerosols in the air can carry the coronavirus. These aerosols which are smaller and lighter than respiratory droplets can not only stay longer in the air but also carry the virus farther and for a longer time. The assumption that only by making contact with a contaminated surface one can get the virus, is no more valid.
Aerosols which are smaller and lighter than respiratory droplets can not only stay longer in the air but also carry the virus farther and for a longer time. | Photo by Elena Mozhvilo on Unsplash
Several natural human activities carried out Indoors
We must remember that a lot of our daily natural and basic activities are conducted in our indoor spaces many of which involve active and oral expulsion of particles. From talking to shouting to sneezing and coughing to even singing, every one of these acts and others creates aerosols in the air which whether we like it not, continue to be exchanged with the others. In fact, many of these activities create more aerosols than even breathing. So, if we do not repeatedly ventilate the room and purify the air within, we can always be susceptible to be infected by others. Even if a house has no Covid patient, the risk of the virus being transmitted through the air from the neighbours or temporary staff can never be ruled out.
From talking to shouting to sneezing and coughing to even singing, every one of these acts and others creates aerosols in the air which whether we like it not, continue to be exchanged with the others. | Photo by Shazaf Zafar on Unsplash
Indoor air is naturally more unsafe than outdoor
As opposed to outdoor air which has natural circulation, unfortunately, indoor air doesn't have the same advantage. In India, the outdoor air itself isn't healthy enough for the human respiratory and health system due to the high amount of PM2.5, PM1.0 and other pollutants. So, without timely ventilation and purification, the chances of indoor air getting stale and unhygienic and thereby becoming more conducive to the 'designs' of coronavirus become very high. Add to this, there are recent studies that prove the possibility of PM2.5 particles being potential carriers of coronavirus, carrying them too much larger distances in the air. The high temperature and humidity which often characterizes our tropical climate add to the woes. (IANS/ MBI)
The outdoor air itself isn't healthy enough for the human respiratory and health system due to the high amount of PM2.5, PM1.0 and other pollutants. | Photo by Anne Nygård on Unsplash
Keywords: Pollution, pollutants, indoorm outdoor, air, covid, aerosol
Children exposed to high levels of air pollution are up to 50 per cent more likely to self-harm later in life, suggested a study that adds to evidence of link between air pollution and mental health problems. Researchers from the University of Manchester in England and Aarhus University examined 1.4million kids under 10 in Denmark and found that those exposed to a high level of nitrogen dioxide were more likely to self harm in adulthood than their peers, the Daily Mail reported.
And people in the same age group exposed to above average levels of fine particulate matter (PM2.5) were 48 per cent more likely to subsequently self-harm, revealed the study published in the journal Preventive Medicine. Nitrogen dioxide is mainly produced by cars, while PM2.5 is mainly emitted by burning diesel and petrol, which is most commonly used for shipping and heating. These two pollutants are among those most commonly linked with causing harm to physical health, such as heart and lung diseases, by getting into the bloodstream and causing inflammation.
"Our findings add to the growing evidence-base indicating that higher levels of air pollution exposure are linked with poor mental health outcomes," lead author Dr Pearl Mok, a research fellow at Manchester University was quoted as saying. "Although air pollution is widespread, it is a modifiable risk factor and we therefore hope our study findings will inform policymakers who are devising strategies to combat this problem," Mok added.
"Our findings add to the growing evidence-base indicating that higher levels of air pollution exposure are linked with poor mental health outcomes," lead author Dr Pearl Mok | Photo by Caroline Hernandez on Unsplash
While the researchers have not explained the mechanism for how these pollutants can cause mental health problems, they say high pollution levels could trigger inflammation in the brain, leading to mental health conditions, the report said. Childhood is a 'sensitive time for brain development', so youngsters may be 'particularly susceptible' to negative effects from toxic particles in the air, they added.
Further, the team found that some 32,984 people (2.3 per cent) harmed themselves in the study period, with cases higher among women, those whose parents had mental illness and individuals from poorer families. Exposure to an average of 19 microgram/m3 or more of particulate matter each day was associated with a 48 per cent higher chance of self-harming later in life, compared to children exposed to an average of 13 microgram/m3 per day or less. And for every 5 microgram/m3 increase in exposure above 19 microgram/m3, the risk of self harm rose by 42 per cent. (IANS/ MBI)
Keywords: pollution, kids, exposure, pollution, self-harm, development