Ramky Foundation for CSR category

“Location, location, location” – every realtor will tell you it is the most important factor when it comes to buying any property – whether its apartments or villas. Nail that and your investment is most likely to be  safe. However, if only it were that simple. Properties can appreciate in value and depreciate equally fast. It’s hard to know what can cause this because there are so many factors at play such as migration patterns, and competition. Among the safest factors when it comes to gauging the worth of a house from an investment perspective however, comes down to the recent and upcoming developments taking place in the surrounds. It can play a big role in helping decide if the investment is going to be sustainable and reap good returns or not.

Among the most recent developments in Hyderabad in terms of infrastructure involves the Shenzhen-based Skyworth, a Chinese electronics manufacturer which announced over Rs 700 crore investment at E-City in Hyderabad and is expected to grow well over to hit Rs. 2000 crore in the future. It acquired a 40-acre parcel land at E City, Maheshwaram to set up a design, research and development (R&D) base and manufacture consumer electronic products.Aimed at bringing futuristic products to the Indian audience, it is also expected to have substantial knock-on impact on the surrounding real estate.

Value drivers are on the up in terms of employment generation – the project is expected to generate 5,000 direct and indirect jobs; logistic convenience; increase in trade and business, etc.It is catalyzing the economy in the area and creating a dynamic city hub that is likely to accelerate infrastructural developments both in the civic and social space. The area has already witnessed a lot of interest and investment by world-renowned companies such as HCL and Wipro. The electronic cluster at Maheshwaram is already being promoted by the government of Telangana. Efficient connectivity, policy initiatives, and upcoming infrastructure around the ORR are breathing new life in the real estate here. The area has also witnessed consistent price growth over almost two years.As a result of this, the property appreciation dynamics are in favor of real estate in the area.

All these factors have made projects such as Ramky Discovery City an unparalleled investment opportunity for the discerning investor.The project is RERA approved so there are no worries about safety. Get the best returns on your investment at The Huddle and the Greenview Apartments within this 600* acre integrated city. The Huddle is the first cluster villa in the city replete with the finest amenities and lush greenery. Located on the Srisailam Highway, ORR-Exit 14, it is close to E-City, Hyderabad International Airport, Adibatla IT Hub & Aerospace Park and is well connected to the city. With contemporary style villas and amenities such as multi-level security, hydro-pneumatic water supply, gym, basketball court, multipurpose hall, it is the essence of comfort, convenience, and leisure.  Greenview Apartments, also located within Ramky Discovery City, offer 2 bhk and 3 bhk apartments with a host of residential, commercial, educational, and entertainment options.Steam room, gyms, multipurpose hall, departmental store, rainwater harvesting, children’s play area,tennis court, you name it and it’s here.No wonder Ramky Discovery City is titled #MyCityofHappiness.

There is no shortage of urban cities to choose from when you decide to invest in living in India. But a lot of factors come into play when you are looking for an urban living experience. Everyone knows the secret to a happy life is one that supports how we want to live. A city’s makeup and flexibility is incredibly important across a micro and a macro level. City living has however been associated with poor mental health, created by an urban environment marked by transient populations, broken communities, segregation, and congestion.

Designing a city that is harmonious, comfortable, and sustainable, all at once is necessary to keep its citizens healthy and happy. Such cities vastly improve the quality of life and reduce stress associated with modern environments on so many levels. A city that shines when it comes to aspects is Hyderbad. While the city had humble beginnings, it has adapted and responded intuitively to the needs of its inhabitants over the years and is truly flourishing. It has been making headlines for its pace and extent of development and the use of a connected approach to tackle all the problems associated with living in cities.The Mercer Quality of Living ratings 2019 has there by put Hyderabad in the top spot among other cities in India.Some of the biggest developments that have led to an increasing number of people, both Indian and International, flocking to the city and considering 2 bhk and 3 bhk flats in Hyderabad are:

  1. The city has a master plan which involves enhancing navigation through the city by improving traffic management and transportation systems via the development of flyovers (the Outer Ring Road Project) and metro and easing everything related to commute to provide unmatched mobility to its residents.Signal-free roads to the airport allow for seamless connectivity to international destinations. Some of the most recent initiatives that fall in line with these plans include:
  2. The government has planned on introducing a common mobility card for the commuters who use the RTC buses, metro train, and other transport systems such as Ola and Uber in Hyderabad city which will allow them to swipe a card and make payments digitally instead of making them in cash.
  3. Responding to the traffic problems that are cropping up in the city, the Greater Hyderabad Municipal Corporation planned on building a 3-km long flyover that extends from Gachibowli road/Botanical Garden/Hitech city road and solves traffic congestion at Botanical Garden, Kothaguda and Kondapur junction areas of the city, while also mitigating traffic from the dense corridor in the western part of the city. Not only does it reduce travel time, it also increases productivity and improves lives in the city as a whole, because less time commuting means more time at work or with family It is also looking at better sewerage for a clean and healthy environment; improving the green cover;and incorporating other civic amenities such as streetlights and pavements to make the city a lot safer
  4. In early 2019, the government had initiated a plan to zone of areas for development of specific facilities – such as a health city, one for education, another for sports, the third for cinema, and so on and so forth. These arrangements are expected to create sustainable spaces that are demarcated well and ease how businesses operate
  5. The government also added seven new Municipal Corporations along with the six that are existent. This is allowing for orderly development of urban areas and improving the overall quality of life by eliminating current inequalities and inequities in terms of accessibility to city services

Therefore, it is only logical that you find a home that is an extension to Hyderabad’sidea of purpose-built infrastructure.Enjoying a strategic location, Ramky One Galaxia, Nallgandla is the perfect amalgamation of infrastructure, a pedestrian-friendly community, and greenery and is integrated in Hyderabad’s Financial District. It offers premium 2 & 3 BHK apartments, a short drive away from everything from schools to malls to hospitals. Another one of Ramky Estatesprojects, The Huddle is a unique, planned cluster housing concept that is based on emulating the spirit of the neighborhoods of the past and creating a space for cozy interactions and a sense of belonging, complementing all the urban needs the city fulfils. These villas in Hyderabad are located close to a reserve forest and have open parks creating an environment where residents can breathe easy and enjoy amenities such as 24X7 multi-level security system, hydro-pneumatic water supply, and power backup for each unit. It is located on Srisailam Highway, in Ramky Discovery City, close to the Hyderabad International Airport, E-city, Adibatla IT Hub and Aerospace Park and is well connected to all parts of the City.

Owning a home is a dream for far too many of us. But it’s fair to say that buying a home isn’t all that easy and often seems unattainable, especially when it’s our first. It takes quite some savings and is fraught with stress and a lot of complex decision making. But there is one respite that largely takes the brakes off buying a home: a home loan. It entails pre-planning and vettingand can get complicated at best as processing has become stricter, but it doesn’t have to be hard. Read on for a low-down on how to set yourself up for success while taking out a home loan:

Determine your eligibility and compare your options

All home loans are not created equal. They can have different interest rates, fees, points, and other conditions that can rack up how much it will end up costing you. Figuring out your eligibility, which largely hinges on the capacity of repayment and age before you approach the bank increases the possibility of getting approved.

Bring a co-applicant on board

It is good to have a co-applicant. In the cases it is not, getting a spouse or an immediate member of your family who has a sizeable income to be the co-applicant can multiply your chances of getting the home loan approved, even in cases where your sole income does not make you eligible to borrow.

Keep your credit score in check

A significant boost for your home loan entitlement can come from ensuring you have a good credit. A clean financial record with your credit card debt and other loans paid off will not only impact your eligibility but also help you get your hands on the best deal whether you are looking at 2-,3,-or 4 bhk villas or apartments. Too many credit enquiries or multiple home loan applications can initiate a hard pull on your credit score, so it is necessary to slow down any form of borrowing beforehand.

Deal with a licensed, branded, and reputable builder

Loan sanctions come through much more smoothly when a reputed builder is on board. Not only does it ensure you have a “happily ever after” with safe construction or quality apartments in Hyderabad, timely handover, and delivery of promised amenities, it also amps up your chances of getting a better loan amount. Given that banks tend to associate a certain level of trust when it comes to reputed builders and even their buyers, it helps that they are known for constructing enduring homes. Going through and including a list of the builder’s past and current projects can aid in getting your loan through.

Put paperwork in place

This one is obvious, but it goes a long way in reducing any hurdles that might come your way. A loan application comes with a laundry list of documents that need to be attached. It includes everything from legal documents with regards to the purchase, to residence and identity proofs, bank statements, salary slips, Form 16 / income tax returns, and processing fee cheque amongst others. Certain lenders also expect collateral security such as pledge of shares, life insurance policies, mutual fund units, etc. so furnishing the right details on them is important. It is essential that the communication is prompt with the lender, particularly when it comes to submission of paperwork or responding to any lender queries whatsoever to avoid greater scrutiny or delay in loan disbursal. Being thorough with the application can also reveal hidden clauses that might cause problems later.

Once you have all your ducks in a row, you are sure to close your loan application process with success. If you are on a lookout for apartments for sale and have a home loan in mind, consider a RERA approved project such as Ramky Estates’ Greenview Apartments in Ramky Discovery City. Spread over 3.81 acres, just minutes away from a green reserve forest and the Hyderabad International airport, these world-class, contemporary 2 and 3 bhk apartments are well equipped with a host of residential, commercial, educational and entertainment options such as a swimming pool, Gymnasium, multipurpose hall with provisions for Yoga, Aerobics, meditation hall, sauna, steam room with indoor and outdoor facilities. This project that is a part of Ramky Estates & Farms Ltd. and is located just minutes from the Outer Ring Road Exit No.14 and has a name in the world of real estate in India.