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A festive fare?
Plagued by low sales, delays and a prolonged slowdown in 2013, the realty sector is not likely to see a significant turnaround of fortunes this festival season also. Though the beginning of Navratras is traditionally seen as the beginning of auspicious period during which sale figures rise, this year industry experts are not very hopeful about the realty market moving northward during the October-December period.
Derailed by delays
tax tips
loan zone
market pulse
real talk
round Realty
garden trends
Vaastu wisdom
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A festive fare?
“The shaky economic scenario and fund crunch have made investors cautious leading to a huge inventory overhang all over the country and the pace of new launches has also slowed down considerably. With investors as well as developers in a wait-and-watch mood the sales are not likely to go up substantially during the festival season this year”, says Anshuman Magazine, Chairman and Managing Director of CBRE, South Asia Pvt. Ltd. Along with this rising home loan rates and the RBI’s recent notification against subvention plans like the 80:20 scheme have also made the going tough for homebuyers as well as developers, he added. While the overall sentiment may be subdued in festival season, several developers are offering schemes to lure the end users to finalise deals during this time. While gold coins, cars, free parking and club facilities, white goods or home amenities like modular kitchens etc feature in the Navratra offers this year, it is the easy-payment, assured returns plans that seem to be the flavour of the season this year. Developers are hoping to “lighten” their inventories through these offers but at the same time it is obvious that most players are just re-packaging normal offers to pass on as festival freebies. With most of the developers sitting tight on the prices and not likely to offer direct monetary discounts or price cuts, homebuyers angling for a good deal can choose from convenient payment plans. In an end-user driven market wherein a majority of the buyers are looking for options in the ~ 25 to 60 lakh price bracket, such a monetary “balm” is most likely to click with the prospective buyer. “Buyers who have been sitting on the fence and hoping for prices to drop or to get a good deal or discount are most likely to finalise deals at this time and a scheme that helps them save some money or ease the burden of EMIs is more preferred”, says Sanjeev Jindal, CEO of Barnala Realtech. The group is offering an easy-payment plus assured -return plan till October 15 to those booking flats in its Riverdale Apartments project in Zirakpur. A buyer can book a flat worth Rs 53 lakh for just Rs 8 lakh and make the balance payment at the time of possession besides getting an assured return per month. In a similar vein Sandwood Infratech Pvt Ltd. that has projects in Shimla, Kasauli, Baddi and Mohali is also offering 2.5 per cent higher rate of assured return to those who make the bookings for its Sandwood Euphoria Kasauli project. Though RBI has recently cautioned banks against backing easy-payment plans like the 20:80 scheme, developers are offering more innovative plans as Navratra offers. NCR-based SVP Group is offering “50-50” payment scheme for its 'Gulmohur Garden, Raj Nagar Extension project, Gulmohur Greens (Mohan Nagar) and Gulmohur Residency (Indrapuram). “In this flexible payment scheme a buyer has to pay only 50 per cent of apartment cost on booking and rest of 50 per cent is payable after possession”, says Vijay Jindal, CMD of the group. The Supertech Group is offering a “No Strings Attached — 40:60 Scheme”. A specific number of flats in its different projects are on offer for delivery within six months. As per the scheme, the booking will be done on 40 per cent advance payment and the balance 60 per cent is to be paid at the time of possession after six months. According to R.K. Arora, CMD, Supertech Group, “this is a special edition offer for home buyers and investors intending to buy a flat of their choice at preferred locations”. Another NCR-based group SG Estates Ltd. Is offering ‘Free Registration’ for ready-to-move in properties for its projects in Raj Nagar Extn. till October 31. “The company will bear the 7 per cent cost of stamp duty that has to be paid for property registration. The benefit is worth
Rs .4.75 lakh for a 4 BHK flat”, informed Director of the group Gaurav Gupta.
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Derailed by delays
Delayed delivery of residential projects has become a significant issue on the real estate market, leading to high levels of ire among customers. In terms of the average delay in delivering residential projects across India, more than 25 per cent of the committed supply has not been able to hit the market as per schedule. The National Capital Region’s performance in terms of delivery of residential supply due in 2013 has been the worst across all the major Indian cities.
In Gurgaon, only one-third of the total committed supply for 2013 has been delivered so far. The situation has been even more alarming in other NCR regions such as Noida, where only about one-fifth of the residential supply committed for delivery in 2013 has been delivered so far.
Why project delays occur The issues leading to residential project delivery delays are manifold. Poor project management is often one of them, but this is not essentially the prime reason. In fact, it is the current economic scenario — defined by high levels of inflation and escalating construction costs — that is the main reason. Developers are facing a severe liquidity crisis and do not have the capital to complete their projects. However, there are also other factors at play. One of these often is nothing more than a lack of commitment to timely completion and delivery on the part of a developer. We are currently looking at an environment wherein developers are obsessed with launching new projects rather than making the completion of existing projects a priority. There have been many instances where funds that were raised for a particular project were diverted for uses other than expediting the completion of projects under construction. Delay in regulatory clearances is another critical reason for delays in project deliveries. In many cases of delayed projects in Delhi NCR, the water and sand crises as well as environmental regulations which developers have not been able to meet have played a role. There is no doubt that the new regulations pertaining to land acquisition have thrown a rather massive spanner in the works. In the NCR region, a significant number of residential projects in areas such as Noida have been delayed because of disputes with regards to land acquisition. — The writer is CEO - Operations, Jones Lang LaSalle India Advice for property buyers In the current scenario, the secondary market seems to be a more promising avenue for end-user buyers, as they can get better price points there. However, transactions on the secondary market often require buyers to have higher initial liquidity so as to be able to meet the immediate capital requirements. Also, in many of the projects, developers have put in prohibitive measures such as high transfer charges before the completion of the project. In such cases, the valuation might also not be very attractive at all. Nevertheless, developers are feeling lot of financial pain and are now offering attractive construction-linked and payment plans, with the bulk of the payment phased towards the time of possession. These plans allow buyers with limited liquidity to proceed with the purchase. Also, CLPs mean that buyers have reduced exposure to the risk of delays. We expect that in the ensuing two quarters, developers will come out with more incentives and discounts to attract buyers. In other words, the primary market will continue to maintain its appeal. Buyers are, as always, advised to do a complete and thorough due diligence of the credibility of any developer they seek to deal with. Especially in the current scenario, the delivery track record for previous projects is a vitally important guideline for investment in the primary market.
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Can I sell a house without getting it registered in my name?
S. C. Vasudeva email your queries to realestate@tribunemail.com
A. It has been indicated in the query that you are in possession of an agreement to sell, General Power of Attorney in favour of someone authorising him to execute a sale deed in your favour and a Will executed by the seller in your favour whereby the said property would be inherited by you in case of the death of the seller of the house which was purchased by you in 1984. Taking into consideration the above facts, replies to your queries are as under:
Will I have to pay LTCG on selling house on gifted plot?
A.You have not indicated the period for which the house built on the plot gifted by your father was held. In case the same was held for a period of more than three years and sold thereafter, it is possible for you to claim the exemption in respect of the capital gain arising on the sale of the house provided such capital gain is utilised for purchasing a residential house within two years after the date of sale of the house built on the plot gifted by your father. However, in case the residential house built by you was not held for a period of more than three years, the capital gain arising on sale thereof shall be treated as a short-term capital gain and would be includible as part of your total income and taxable at the normal slab rate applicable to such total income. If the plot purchased by you in 2004 is sold now, the capital gain arising on sale of such a plot would be treated as a long-term capital gain and in case ‘net consideration’ arising on sale of such a plot is utilised for the purchase of a residential house within two years after the date of sale of the plot, long-term capital gain arising on such a sale would not be chargeable to tax. Net consideration for the above purpose would mean sale consideration received or accruing on the sale of the plot less expenditure, if any incurred wholly and exclusively in connection with such transfer. In case capital gain arising on the sale of the house as well as of the plot is a long-term capital gain, it would not be exigible to tax provided long-term capital gain arising on the sale of the house and net consideration received or accruing on sale of the plot taken together are utilised for purchase of a residential house within the time limit.
Q.My wife had purchased a plot (number-79) in 2006 for
Rs 8,50,000 through mutual agreement, purchase and transfer. I purchased another plot (number 80) in 2007 for
Rs 17,08,780. We both exchanged these plots in April, 2013 through full and final payment agreement with possession (circle rate
Rs 50 lakh). In order to avail the benefit of Section 54 I constructed a house on plot number 79 in 2013 for
Rs 10 lakh. My wife also got a one -room set constructed for Rs 19 lakh on plot number 80. Kindly advise:
A.According to the definition of the term ‘transfer’ contained in the Income-tax Act, 1961 (The Act), the exchange of property is covered within the term ‘transfer’ as it involves the transfer of property by one person to another and reciprocally the transfer of property by that other person to the first person. Such exchange covers a mutual transfer of ownership of one thing for the ownership of another. Such exchange would result in a long-term capital as it is evident from the facts in the query that the plots were purchased in 2006 and 2007 and were exchanged in 2013. Capital gain will have to be computed by taking into account the indexed cost of each of the plots and difference between such indexed cost and the value adopted or assessed or assessable by stamp valuation authority would be the amount of long-term capital gain. An Exchange Deed will have to be executed and duly registered at the Sub-Registrar's office. It would involve payment of stamp duty. On the basis of such Exchange Deed the ownership in the plots would be transferred. Each one of plot owners can claim the exemption in respect of capital gain arising on account of exchange of plot by utilising the amount of long-term capital gain for constructing a residential house within three years after the date of the execution of the Exchange Deed. In view of the above legal position, the amount of capital gain in respect of plot No. 79 and 80 is given in the box (presuming that the exchange consideration and circle rate of ~50 lakh is equivalent to the value to be adopted by stamp valuation authority for levy of stamp duty on such exchange). To avail complete exemption from the taxability of the amount of capital gain as computed above, the owners will have to spend the above amounts towards the construction of a residential house within the period specified herein above.
What is the process for gifting a plot to my son?
Q.I am a housewife and I have a 277 sq. yd plot in Urban Estate, Kurukshetra. I want to give it as a gift to my son. It had been registered in my name in July 2009. My queries are:
A.Your queries are replied hereunder:
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Right process
S. C. dhall
A.It is easy for your prospective buyer to avail a loan for your property. it is even easier if it is from the same bank. The buyer’s bank sanctions the home loan after the due scrutiny of the documents/copies of the documents, legal report and fresh evaluation of the value of the property duly obtaining no objection and the details of existing liability from your bank. At the time of registration of the property in favour of your prospective buyer the demand draft for the purchase value is issued ( loan plus the margin to be borne by the buyer if any) will be handed over to your bank. The property is duly registered in the name of the buyer and all the relevant documents are handed over to the buyer’s bank. They in turn create a mortgage over the property and safe keep the documents. Your bank adjusts the demand draft towards their liability and surplus if any will be credited to your sb a/c. Q.Is it a viable option to purchase a property or flat by taking a home loan in a new project and give it on rent after it is ready. Will the monthly rent be helpful for paying my EMI? A.No, it is not a viable option, as generally people get the possession after three or four years and the highest burden of interest payment in EMI is borne by the borrowr in the first two years and after that the burden of EMIs gets reduced gradually. However, you can buy property on home loan when a project is launched. But you should be aware that the EMI would start from the moment the first instalment of loan disbursement happens and that, too, on the entire sanctioned amount and not on the disbursed amount only. This could be a huge bruden if you have not planned your finance properly. So go ahead only if you are mentally prepared for both the points. As for the idea of paying the EMI by letting out the house, it is a good idea. But it is very unlikely that then rent will be the same as the EMI amount. This will especially be a great idea if you are already living in your own house rather than on rent.
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market pulse In a report titled 'Luxury retail: Evolution and future prospects', property consulting firm Cushman & Wakefield (C&W) said India's total retail market is expected to exceed $650 billion by 2017 from $450 billion in 2013, which excludes online retailing. "With the introduction of much-awaited reforms like FDI in multi-brand retail and progressive amendments, the country is expected to emerge as an attractive destination for global retailers," it said. Over 50 per cent of the total income in India is earned by the top 20 per cent of the population and their monthly expenditure is twice that of the next lower bracket. By FY'17, this population bracket's earnings will increase by about 10 per cent and they will control 60 per cent of the income, the report maintained. "Given that over the years, exposure, availability and enhanced spending capacities have created a noticeable demand for luxury goods, the scope for luxury retailers, including international ones, is expected to increase exponentially." To meet the requirements of a host of incoming global retailers, more high-end malls catering to luxury retailers are expected to come up, C&W said. "The luxury retail sector is not hit by the ongoing slowdown. Rather it has prospered indicating that the luxury industry is on a rising curve." However, quality real estate, logistics and poor infrastructure, coupled with issues surrounding FDI rules and taxation, are some of the roadblocks in growth of the sector, which also faces lack of trained manpower, the report said. Availability of quality retail space is limited to just a few cities and that too in very small percentage, it noted. "This shortage of good quality supply will result in price rise for luxury retail. Therefore, there is a need for rapid transformation of retail real estate in terms of availability and quality." — PTI
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real talk
Delhi’s Chief Minister Sheila Dixit’s recent row with the Union Urban Development Minister Kamal Nath over vertical development in the Capital once again ignited the debate over the need of high-rise buildings in cities. The main argument against vertical development is that it will burden the already limited resources and would affect the eco system of cities adversely making vibrant cities nothing less than urban slums. Bhawna Jaimini speaks to Sanjay Prakash, an architect with over 30 years of experience in the field, and a Senior Advisor at the Indian Institute for Human Settlements, Bangalore, on the need, growth, and issues of high-rise development in our cities. Excerpts:
What according to you has prompted the growth of high-rise structures in India, specifically in North India? The other reason is that the high rises can makemake cities compact as these can support high density of people in a particular area. The commuting distance is less, other civic amenities can be used by a larger number of people in a smaller area thus reducing the need to have extensive networks — and these are some of the parameters that are important in terms of servicing a city well. Is land shortage a fair enough reason to justify vertical development? There is no shortage of land in India. The land shortage that is talked about is because of a biased land policy in our country that reflects the great social divide in the country. For example there are localities in New Delhi where only 5,000 families live in an area that can house about a million people. The argument of land shortage allows the prices of high-rise apartments to increase more and more. As you said that there is no shortage of land, what kind of land are we talking about here? We are talking about under-developed land here, but development follows once the policy changes. The irony here is— “there is shortage of developed land that would allow the middle and lower income group housing to come up”. How can we derive the optimum height for a particular town or a city? In order to know the correct height of a particular town or a city, one must go beyond the surface debate of tall and short. We need to find out the carrying capacity of the land — the density of people it can accommodate safely with all the infrastructural provisions and services of water supply, drainage, and electricity. However, what is happening is quite the opposite. We first decide how we want our buildings to be and then start demanding all the resources required to make it function in infinite quantities. The planners are not looking towards servicing the land but are treating it as a mere game of FAR. The best example of this can be seen in many luxury apartments with all the top-end facilities running dry due the shortage of water, electricity etc. Those in favour of more tall buildings argue that vertical growth enables optimum use of land, reduces home prices, and creates compact cities. Do you think the vertical growth in India is achieving this? While a large section of mid-income group population has been able to own a home of its own due to the vertical growth, a huge section is still waiting for affordable housing options. So, the horizon of vertical growth has to be expanded more to end shortage of housing in our country. FSI values in India vary from city to city. However, on an average it ranges between 1 and 4, which is far below that in other cities in the world. For example, FSI in Manhattan is 15, in Shanghai, it is 13.1 and in Hong Kong, it ranges up to 15. Will it be advisable to look up to these cities for formulating our own growth pattern? No. Our cities are not as dense as compared to other big cities in the world but they just seem completely unworkable, as parts of these are hugely dense. This is often seen as a land- price equation but it isn’t like that. Land prices are administered in various ways. Secondly, there is no need to pack people in such a tight density in office spaces . In the residential segment too, the benefits of high rises start disappearing after a certain height. For example, there is no need for a 40-storey building and a 10 to 8 storey building can work well for our cities.
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round Realty Switch plates: Next are the electric switches that are constantly pressed to switch on or off the lights and other provisions. Fingers leave dirt on these switches and plates, mostly white in colour. Modular switches and plates have a good gleam when new but lose it in a month or so. The best way to keep the shine of the modular switches and plates intact is to clean them carefully every month with a rag dipped in mineral spirit. Thinners shouldn't be used to clean the switches and plates as it eats into them. Joinery fittings: The fittings provided on the door and window shutters are called joinery fittings. Tower bolts, handles, latches, locks, window eye hooks, all are part of joinery fittings. The present trend is to use stainless steel fittings in houses though powder-coated fittings are also preferred by many people. Stainless steel fittings lose their shine soon if not maintained well. Their cleaning should be scheduled at a two-month interval. The best way to clean these fittings is to take some quantity of simple paint thinner in a can and clean these fittings with a rag dipped in little of thinner and then wiped dry. Mirrors: Humans have a fancy for mirrors and want to provide them at as many places as possible. So their provision is now not limited to the space above the shanks or dressing tables. Mirrors are provided in walk-in closets, staircases, washrooms, dressing rooms, cupboard shutters and at several other places. Grease stains are often noticed on the mirrors. The real picture is revealed when we view the stains sideways. One should add a spoonful of thinner to water and clean the mirrors with this solution every month to keep them sparkling and throw back a dazzling image. Ceiling fans: Ceiling fans gather layers of dirt on the blades within a month of the occupation of the house. These dirt layers are prominent in lobby and kitchen area in case a chimney has not been installed in the kitchen. An exhaust fan may remove smoke but not the grease that the frying work causes in the kitchen. A chimney can effectively extract the oil of the fumes, vapour and smoke. . Wall lights and tubes: Wall lights and tubes keep gathering dust on their upper portions and are often not cleaned by house owners for months together. Keep a safe, stable and sturdy platform ladder in your house, mount it every three months and gently wipe off all the dirt on the lighting fixtures. A 3-month period doesn't allow the dirt to stick permanently to the fixtures and thus it can be wiped off easily. A longer period makes this cleaning of lighting fixtures a tough job. Walls: Walls are, these days, finished with costly plastic emulsion which has the advantage of easy cleaning in case some dirt marks are visible on it. Often, while moving furniture it gets rubbed against the walls leaving some marks on it. Immediately wipe the marks with a moist piece of cloth. While moving around the house, a maid may get unbalanced, take support of wall and leave an imprint of a dusty palm on it. Best method of keeping the walls new and clean is to wipe off the marks and scrapes on them immediately. Fighting termites: Though it is almost impossible to defeat termites, keep fighting and nip the evil in the bud for best results. Keep an eye on all wooden provisions, especially the lesser used cupboards or doors. Apply Aldrin solution at vulnerable points from time to time even if you don't notice any signs of termites. Otherwise you won't know when these will strike. Like cancer, detection at an early stage and prevention thereafter is the best way to keep termites away. Call the gang: Strike a deal with your painting work gang to visit your house every six months to take up a thorough cleaning job. Decide your time interval. It may be six months or nine months or a year. Pay them their fee, allow them to disperse all over the house to take up the cleaning job. Cover all the items noted above in their scope of job. Not much expenditure is involved but their professional touch restores the new look of the house. CP fittings Tiles Glazed tiles keep looking new for years together. Just keep running a cloth dipped in soap water on them from time to time and enjoy the look. In case some of the tiles gather yellow or brown colour at the corners due to impurities in water, buy a bottle of one litre of especially marketed tile cleaning liquid from the market and clean the tiles. Generally, it costs about Rs 150 a litre but is quite effective in removing the stains.
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garden trends Miniature gardens are art-pieces that bring your childhood fairytales to life. The word miniature takes one down the memory lane to the story of Lilliput. Miniature gardens are becoming popular in India, especially among the 'green thumbs' who are space-constrained in apartments and flats. These pigmy worlds of fantasy are a great choice for homes, offices, both indoors and outdoors like on the centre of dining tables, in the windowsill, etc. However a lot needs to handled and controlled when designing these itsy-bitsy structures in the garden which will define your dreams and needs. One can always try a hand at designing the same but there is nothing like a professional touch. Chandigarh-based interior and landscape designer Sukhmani Bhore who also specializes in creating mini green spaces shares some secrets of a developing a resplendent garden in a container. Where to begin from How much should one accessorise It is very much an individual option. Accessories add charm to the story that you are trying to knit. They enhance the realistic appeal of your garden. I am an ardent believer of detailing and make it a point to imbibe maximum length of every scene like scaling down my bricks to make actual hard surfaces in cement, casing a small house or a castle, bridges, fairies, gnomes and elves, fountains, furniture, small lady bugs, caterpillars etc. In addition there are many options of the choice of colour and texture of plants to be used. Almost all the detailing is handmade. The fundamental rule for choosing accessories is to stick to a scale. Also the use of materials that are used in routine life is okay. There are other weather-proof options as well e.g. wood, trellis, resin, plastic etc. , but these are usually expensive. Price range? The price range varies between Rs 800-4500. This will shoot up if one wants to board more furniture etc. As told to Seerat Toor Grewal DIY tips
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Vaastu wisdom
A.You can select any date during the forthcoming Navratras between October 5 and 13. The commencement of digging work for the basement has been prohibited in our Shastras during the rainy season. Excavation for the main house or any other portion, including the boundry wall should only be started from the north-east direction of the house, and it should progress from north to west or from east to south. And when these excavations are to be filled i.e while laying foundation, while starting the construction work, then these must be filled from south to east and from west to north. Q.Can you suggest some tips to increase positive energy in my home? — balwant garg A.Throw away the stuff like waste material, old newspapers, broken utensils, fused bulbs, left over paints, sanitary fittings etc that you think you wouldn’t be requiring for future. These kinds of things cause a feeling of unhappiness and negativity and block the flow of positive energy in a house. Don’t store them in north-east area of the house or on the top of a building. Sell such ‘kabad items’ on Saturdays. Mail your
queriesto:vaastu@tribunemail.com
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Delayed delivery of residential projects has become a significant issue on the real estate market, leading to high levels of ire among customers. In terms of the average delay in delivering residential projects across India, more than 25 per cent of the committed supply has not been able to hit the market as per schedule. The National Capital Region’s performance in terms of delivery of residential supply due in 2013 has been the worst across all the major Indian cities.
Plagued by low sales, delays and a prolonged slowdown in 2013, the realty sector is not likely to see a significant turnaround of fortunes this festival season also. Though the beginning of Navratras is traditionally seen as the beginning of auspicious period during which sale figures rise, this year industry experts are not very hopeful about the realty market moving northward during the October-December period.
Q. I am in possession of a built up house on a plot measuring 50 sq. yd in Delhi, which I had purchased in March 1984 for Rs 20,000 on the basis of a sale agreement procuring cash receipt along with GPA and a Will deed in my favor. The mutation now is also in my name in the MC records and I am paying house tax accordingly. Now I want to sell this house or want to gift it to my blood relation. My queries are:
Q. I have constructed a residential house in an urban area. The plot was gifted to me by my father. I had taken a loan of
Rs 8 lakh from my employer in January, 2010. The total cost of the house has gone up to
Rs 18 lakh. I had also purchased a plot in urban area in 2004 for Rs 5 lakh. Now I want to purchase a bigger house by selling that plot for
Rs 20 lakh and the house for ~40 lakh. Will I have to pay LTCG tax on this? — harinderjit
Q.I and confused about the processing of a second- hand home loan. Suppose today I purchase a home costing around
Rs 25,00,000 availing loan facility from any bank for 20 years. I have a plan to sell that property say five to seven years down the line. Suppose I sell it for
Rs 32,00,000, now my question is that whether my prospective buyer can also avail the loan facility or not. If yes, then how will I get the money from my buyer or buyer's bank? How my home loan account will be settled (for which I have paid EMI for five years and loan is for 20 years) and how I will get the extra amount (32,00,000-25,00,000 = 7,00,000)? I want to know the process.
The fast growth in India’s luxury retail space will push up the total retail market size to $ 650 billion by 2017, a report said but it warned lack of quality real estate may put spanners in this expansion.
The concept of high rises emerged in the West in the 20th century when the prevalent system of communication was not telephone and internet. Therefore, in order to facilitate better communication in workplaces, the high-rise culture emerged where people could work close to each other. However, in the present day, the original need for high rises — the need of people working close to each other— is not so pressing. However, the new need that has caused a boom in the real estate sector in India and especially in North India after 1992 is the greed to maximise returns on a minimum quantity of land. 
Newly built houses, built so fondly by the house owners, however, begin to lose their new look very soon after the home owners move into these. A home owner can manage to keep the new look of the house intact if he prepares a schedule to care for various provisions in the house. Schedules are often prepared but not adhered to as the general tendency is to ignore or postpone a scheduled activity. Here are certain items that should figure on a house occupant's list for regular maintenance:
CP fittings provided in the toilets are the first to lose their glitter. Pumped or supplied water in most regions is hard. Whenever the faucets or showers are used, water droplets leave their mark on the CP fittings. Soon, the fittings lose their chromium plating and assume a whitish or greenish appearance and look ugly. The simplest method to keep the glitter of the CP fittings intact for years together is to wipe them with a dry rag every morning after use.
All big things come in small packages. Miniature gardens are the green spaces of future homes and offer a tremendous scope in the interiors. So, if you are an art loverlooking to add a touch of green in your small home, then a miniature garden should be your very next pick.
To begin with, the whole idea, concept should be well-laid out in your mind.
Q.We are going to start the construction work of our house. Is there any specific direction from where we should get the digging work started? Is there any auspicious period for laying the foundation and to start digging work for the basement?