Tuesday, February 19, 2008

Housing – Indigenous Technology by G. Shanker





Architectural legacy of Kerala began centuries back. We have got one of the profound vernacular architectures in the world. Our traditional architecture always responds not only to the climate of the region but also to the social climate of the period. The architectural features were developed taking into consideration of the structural limitations or possibilities of our locally available building materials. Kerala’s rich depository of building materials helped the growth of architecture in the State. The texture, colour, durability and strength, insulation, ease of use etc. were the main criteria for selecting the materials and technologies. The local availability and the local skills were also key determinants to the selection process. Most of those houses had been built by those who lived in them, with the assistance of persons skilled in the use of materials from the milieu.

The vocabulary of basic building materials include wood, stone, laterate, lime and our own beautiful building-earth. All these materials have the quality to withstand the onslaught of nature. Various technologies were developed based on the structural characteristics of the materials. The traditional construction methods and materials developed over hundreds of years provide excellent thermal insulation and are cool in the summer and warm in the winter. Ingenious methods were developed to waterproof the base of walls and roofs from rain and snow. For instance, the large overhangs of our traditional homes always protected the walls from the direct hit of sun and rain, which helped to keep the interiors very cool. The windows and the doors always followed the cardinal principles of sutrams and marmams thereby Hari Peyad Building constructed with compressed hard brick (popularly known as interlock brick) ensuring good cross ventilation. The design


Housing Indigenous Technology

Fenistration of a two storied building of lattices, wooden jalis, trellis and other kinds of fenestrations, along with global ends facilitated good ventilation. They were also very strong aesthetic expressions of that time.

The concept of incremental housing is Kerala’s contribution to the world of architecture. Our forefathers had never ever struggled to make the buildings happen. They built with resources they had at hand. They always started with the concept of a whole house and expanded it as needs arose.

The traditional architecture also had answers to the local problems of construction. To combat the attack of ants and termites, we mixed lime with earth. Cashew-nut oil was used to preserve wood. Cut-straw was also used for construction with earth to minimise the cracks that appear on the walls. The rural stabilisers like sisal leaves, cow’s urine etc. were used to stabilise earth used for construction.

Our experience with modern materials like concrete and cement is fairly recent. Not enough time has elapsed to enable a proper evaluation and assessment of their Mud plastered walls of a residence

Sugathan Vattakkad Sugathan Vattakkad
The traditional architecture had answers to the local problems of construction. To combat the attack of ants and termites, we mixed lime with earth. Cashew-nut oil was used to preserve wood. Cut-straw was also used for earth construction to minimise the cracks that appear on the walls. And the ability to withstand nature. In fact many of the nouveau riche build cement villas show decaying already. On the other side, more than a century old monumental buildings like our administrative secretariat and much controversial Mullaperiyar dam, constructed using indigenous technology, still withstand climate.

Buildings and construction activities have a considerable bearing on our environment. As the state of environment decides the quality of our lives, and more importantly our common future itself, construction that does not upset the environmental balance is a theme that assumes greater importance day by day.

In this context, our ancestral concern with nature is also noteworthy. For example, asking the permission of a tree before felling. It was done in the form of a pooja to appease all forms of life depending the tree, including the tree’s own life. It was also mandatory to plant a seedling in the place of the tree felled.

Accumulating strength from traditional building techniques, the builders should give priority to earth constructions for affordable, ecologically sound houses. To build in tune with nature should be the mantra of making our own mansions.

(As conceived by B. Harikumar in a conversation with architect G. Shanker, Chairman, Habitat Technologies Group, Thiruvananthapuram. January 2007! KERALA CALLING)



Friday, February 15, 2008

Home Loan Eligibility

Salaried

View Self-Employed
CITIBANK
Age
-
23-65
Minimum income per annum
1,00,000
Minimum Years in service
-
2 year
Loan amount
-
2,00,000 - 2,00,00000
Minimum tenure
-
5
Maximum tenure
25
Loan to value ratio
-
85% of Agreement value
ICICI
Age
-
21-65
Minimum income per annum
-
Minimum Years in service
-
1 year
Loan amount
-
2,00,000 - 1,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
HDFC
Age
-
25-58
Minimum income per annum
-
Minimum Years in service
-
1 year
Loan amount
-
2,00,000 - 1,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
HSBC
Age
-
25-58
Minimum income per annum
1,50,000
Minimum Years in service
-
3 years
Loan amount
-
2,00,000 - 1,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
IDBI
Age
-
21-60
Minimum income per annum
96,000
Minimum Years in service
-
2 years
Loan amount
-
2,00,000 - 1,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
LIC HOUSING FINANCE LTD
Age
-
25-58
Minimum income per annum
1,50,000
Minimum Years in service
-
N A
Loan amount
-
2,00,000 - 1,00,00000
Minimum tenure
-
7
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
SBI
Age
-
21-58
Minimum income per annum
1,00,000
Minimum Years in service
-
2 years
Loan amount
-
Any Amount
Minimum tenure
-
-
Maximum tenure
-
Loan to value ratio
-
85% of Agreement value
STANDARD CHARTERED
Age
-
21-58
Minimum income per annum
N A
Minimum Years in service
-
2 years
Loan amount
-
2,00,000 - 2,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
Self- Employed
CITIBANK
Age
-
-
Minimum income per annum
85,000
Minimum Years in service
-
3 years
Loan amount
-
2,00,000 - 2,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
ICICI
Age
-
21-65
Minimum income per annum
-
Minimum Years in service
-
3 years
Loan amount
-
2,00,000 - 2,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
HDFC
Age
-
21-65
Minimum income per annum
-
Minimum Years in service
-
3 years
Loan amount
-
2,00,000 - 2,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
HSBC
Age
-
21-65
Minimum income per annum
1,50,000
Minimum Years in service
-
2 years
Loan amount
-
2,00,000 - 2,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
IDBI
Age
-
21-65
Minimum income per annum
2,00,000
Minimum Years in service
-
3 years
Loan amount
-
2,00,000 - 2,00,00000
Minimum tenure
-
5
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
LIC HOUSING FINANCE LTD
Age
-
21-70
Minimum income per annum
1,50,000
Minimum Years in service
-
N A
Loan amount
-
2,00,000 - 2,00,00000
Minimum tenure
-
7
Maximum tenure
20
Loan to value ratio
-
85% of Agreement value
Comparison
CITIBANK
Processing fees
-
As per bank
Admin fees
N A
Documents required (salaried)
-
Application form with photograph, Identity & residence proof, Latest salary slip, Form 16, Last 6 months bank statements, Processing fee cheque
Documents required (self employed)
-
Application form with photograph, Identity & residence proof, Education qualifications certificate & proof of business existence, Business profile, Last 3 years profit/loss & balance sheet, Last 6 months bank statements, Processing fee cheque
Tenure in yrs
-
5 , 10 , 15 , 20

Interest rate

9.25%,
9.75%, 9.75%, 9.75%
-->
ICICI
Processing fees
-
As per Bank
Admin fees
0.5%+Service Tax
Documents required (salaried)
-
Application form with photograph, Identity & residence proof, Latest salary slip, Form 16, Last 6 months bank statements, Processing fee cheque
Documents required (self employed)
-
Application form with photograph, Identity & residence proof, Education qualifications certificate & proof of business existence, Business profile, Last 3 years profit/loss & balance sheet, Last 6 months bank statements, Processing fee cheque
Tenure in yrs
-
5 , 10 , 15 , 20

Interest rate

8.25%,
9.25%, 9.25%, 9.75%
-->
HDFC
Processing fees
-
As per Bank
Admin fees
-
N A
Documents required (salaried)
-
Application form with photograph, Identity & residence proof, Latest salary slip, Form 16, Last 6 months bank statements, Processing fee cheque
Documents required (self employed)
-
Application form with photograph, Identity & residence proof, Education qualifications certificate & proof of business existence, Business profile, Last 3 years profit/loss & balance sheet, Last 6 months bank statements, Processing fee cheque
Tenure in yrs
-
5 , 10 , 15 , 20

Interest rate

8.75%,
9.00%, 9.25%, 9.75%
-->
HSBC
Processing fees
-
As per Bank
Admin fees
N A
Documents required (salaried)
-
Application form with photograph, Identity & residence proof, Latest salary slip, Form 16, Last 6 months bank statements, Processing fee cheque
Documents required (self employed)
-
Application form with photograph, Identity & residence proof, Education qualifications certificate & proof of business existence, Business profile, Last 3 years profit/loss & balance sheet, Last 6 months bank statements, Processing fee cheque
Tenure in yrs
-
5 , 10 , 15 , 20

Interest rate

8.50%,
9.00%, 9.25%, 9.75%
-->
IDBI
Processing fees
-
As per Bank
Admin fees
N A
Documents required (salaried)
-
Application form with photograph, Identity & residence proof, Latest salary slip, Form 16, Last 6 months bank statements, Processing fee cheque
Documents required (self employed)
-
Application form with photograph, Identity & residence proof, Education qualifications certificate & proof of business existence, Business profile, Last 3 years profit/loss & balance sheet, Last 6 months bank statements, Processing fee cheque
Tenure in yrs
-
5 , 10 , 15 , 20

Interest rate

8.50%,
9.25%, 9.25%, 9.75%
-->
LIC HOUSING FINANCE LTD
Processing fees
-
As per Bank
Admin fees
N A
Documents required (salaried)
-
Application form with photograph, Identity & residence proof, Latest salary slip, Form 16, Last 6 months bank statements, Processing fee cheque
Documents required (self employed)
-
Application form with photograph, Identity & residence proof, Education qualifications certificate & proof of business existence, Business profile, Last 3 years profit/loss & balance sheet, Last 6 months bank statements, Processing fee cheque
Tenure in yrs
-
5 , 10 , 15 , 20

Interest rate

8.75%,
9.00%, 9.25%, 9.75%
-->
SBI
Processing fees
-
As per Bank
Admin fees
N A
Documents required (salaried)
-
Application form with photograph, Identity & residence proof, Latest salary slip, Form 16, Last 6 months bank statements, Processing fee cheque
Documents required (self employed)
-
Application form with photograph, Identity & residence proof, Education qualifications certificate & proof of business existence, Business profile, Last 3 years profit/loss & balance sheet, Last 6 months bank statements, Processing fee cheque
Tenure in yrs
-
5 , 10 , 15 , 20

Interest rate

8.50%,
NA , 9.00%, 9.75%
-->
STANDARD CHARTERED
Processing fees
-
As Per Bank
Admin fees

N A
Documents required (salaried)
-
Documents required (self employed)
-
Application form with photograph, Identity & residence proof, Education qualifications certificate & proof of business existence, Business profile, Last 3 years profit/loss & balance sheet, Last 6 months bank statements, Processing fee cheque
Tenure in yrs
-
5 , 10 , 15 , 20


http://www.deal4loans.com/Contents_Home_Loan_Eligibility.php

Tuesday, February 12, 2008

Behind the glitz of ‘green’ buildings - The Hindu story


The green concept has to be developed for local contexts so that they can be applied within the parameters determined by local financial needs, writes Ananth Krishnan



Green homes and buildings are increasingly in vogue in neighbourhoods and corporate circles around the world. Industry experts say that they can help save on energy and maintenance costs in homes and offices.

However, they are yet to become widely popular in the country. High input costs, particularly with regard to green buildings, continue to deter Indian consumers, and eco-friendly appliances remain available only in relatively small quantities in the market. Indian arc hitects too remain divided on both the necessity and the economic feasibility of the idea.

Saving resources

Green homes are designed to be efficient in energy and water consumption, right from the outer design shell of the home to the use of eco-friendly appliances such as Compact Fluorescent Lamps ( CFL) and solar water heaters to replace their energy-guzzling alternatives (see graphic). Green homes are also designed to incorporate systems such as rainwater harvesting and waste management. Harsha Sridhar, chief anchor (design and architecture), Biodiversity Conservation (India), says that the concept brings benefits to not just homeowners and developers, but to conservationists as well.

Sridhar believes that green homes will allow homeowners to significantly save on electricity and water, even generate less waste. Developers will have lower construction costs as a result of greater efficiency in material use, as well as lower recurring maintenance costs.

“Studies show that a home that is fitted with CFL lamps, solar water heaters and recycling facilities will save around Rs. 2.56 lakh over six years, or around Rs. 3,500 a month,” says Sridhar. “Solar water heaters alone will save around Rs. 71,000 over six years. But going green is not just about costs. It is about using resources more wisely, as well as a shift in the professional attitude of architects, managers, corporates as well as everybody else.”

The same idea applies to larger buildings as well – the green mantra is becoming increasingly popular in corporate circles. Architect Sharukh Mistry is the chairman of the Bangalore chapter of the Indian Green Building Council, an organisation set up by the Confederation of Indian Industry (CII). Mistry says that a change in the way both architects and their clients envisage their homes and buildings is needed for the green concept to really catch on. He believes that to a certain extent this is already happening.

“When multinational companies started coming in, their initial directive to architects was to build the same structures they were used to elsewhere, such as tall glass buildings,” Mistry says. “I think the companies are increasingly realising the importance of the local connections that they can build.”
Non-issue in India

Industry lobby groups such as the CII have been trying to propagate the green building idea for Indian businesses, in part because multinational companies are increasingly valuing buildings with high green ratings.

Architect P.T. Krishnan says that a lot of the green concepts propagated by Indian industry are predicated on Western needs, and hence do not make much sense in India.
“The whole green building idea starts from a platform that assumes buildings are energy intensive and completely dependent on power,” says Krishnan . “In the tropics we have a different tradition of building, where we allow natural light and ventilation. But we’ve lost our way in architecture, as we have blindly absorbed Western standards.”

Mr. Krishnan says that Indian architects, as well as corporates, have been taken in by the “glitz” of glass, which does not make either environmental or architectural sense in India where sunlight is not scarce.
“We used to illuminate office buildings with 120 lux bulbs, but we then brought in 300 lux bulbs that consume more energy just because they are being used in the U.S.,” Krishnan points out. “So, now we have to spend a lot more money [on eco-friendly appliances to save on energy costs] to rectify what we have wrongly brought in. The justification is that the technology will pay us back in three or four years. But we have to ask why we incur these costs in the first place.”

Architect Prashant Hedao says that if eco-friendly products are brought into the mainstream and if sustainable technologies are subsidised, the concept will become more economically feasible.

“People do not realise that by using a solar water heater instead of a geyser, they will recover their installation costs in two to three years,” Mr. Hedao says. “After that, they will actually be making a profit. For instance, purchasing costs for CFLs are more expensive than other lamps, but over a course of time they will save energy.”

With the higher costs involved – according to the CII, buildings with the highest green rating of ‘Platinum’ will cost 30 per cent more than a normal building – the green building concept remains limited to a very narrow, wealthy spectrum of society.

“The green building concepts apply to offices and IT buildings alone,” Krishnan confirms. “So we must remember that we’re talking about a very narrow spectrum here. When we design schools and colleges, we keep in mind natural light and natural ventilation. They are not dependent on air-conditioners. So, for me, it is a non-issue in India.”

According to Puducherry-based architect Suhasini Ayer, the corporate emphasis on green appliances misses the point. “Green homes are about more than just getting appliances such as solar panels,” says Ayer .

“Even the design of the shell of the construction should take into account climatic considerations in its orientation. Most architects are taught climatic design, but in an urban area you don’t always have the opportunity to incorporate every aspect. But even within fixed parameters, climatic considerations can be taken into account.”


Sensible design

So, your homes can still be designed in ways that are environmentally friendly, without you necessarily having to turn to fancy fittings. For example, Ayer says bedrooms should be located on the northern or southern faces of homes to keep them naturally cool and away from the glare of the sun. Plumbing, on the other hand, should be installed on the western side of homes, to tap the sun’s heat and save on electrical heating.

The drive to ‘go green’ is undoubtedly welcome, as the problems of water shortage, energy crisis and climate change are seemingly here to stay. However, if the concept is to truly catch on, Indian architects and the industry need to get past the “glitz” of the idea, as Krishnan says.
The green concept has to be developed for local contexts, so that they can still be applied within the parameters determined by local and financial needs. Otherwise, ‘going green’ will be a mantra that applies to only a privileged few – and a hollow one.

Sunday, February 10, 2008

Payment Terms

At the time of booking 15 %
Within 30-days 25 %
Within 60-days 40 %
Within 90-days 15 %
Time of possession 05 %

Total 100 %

(P.N.: Any alteration / customisation of the specified architecture of houses will be charged extra and at actual)

House specifications

Allotted space for each member 900 sq ft
Constructed area 630 sq ft*


Hall 15 X 10 150 sq ft
Bedroom (1) 12 X 10 120 sq ft
Bedroom (2) 12 X 10 120 sq ft
Kitchen 08 X 10 080 sq ft
Toilet / Bath (1) 08 X 05 040 sq ft
Toilet / Bath (2) 08 X 05 040 sq ft
Pooja Room 06 X 05 030 sq ft
Balcony Area 10 X 05 050 sq ft

Total Area 630 sq ft

(*The constructed space is only indicative estimate and may vary from the actual, since it is subject to due approvals by government and other authorities)