When purchasing a residential property, availing a housing loan is one of the biggest financial commitments for most aspiring homeowners. As repayment tenor usually stretches to around 20 years, its affordability largely depends on the housing loan interest rate. A nominal difference in the interest rates can increase or decrease the overall cost of a loan significantly.

So, this 2020, if you are planning for a home loan soon, consider certain factors beforehand which may affect the current housing loan interest rate. Note that while some are beyond control, and awareness of the other factors can help you get the best deal with more attractive rates.

Factors affecting housing loan interest rates

• Property value and location

Location is an essential factor in determining the property value and rate of interest for home loans. Well-equipped properties located in areas of grocery stores, railway stations, hospitals, bus stops, etc. attract higher resale value and vice versa. Housing Finance Companies or HFCs consider these factors in determining interest rates accordingly.

While houses with poor facilities usually attract higher rates, those with better amenities at a prominent location accrue lower rates.

• Credit score

Although a secured loan, credit score plays an important part in determining the rate of interest. The credit score reflects a borrower’s creditworthiness and influences the lender’s trust in his/her repayment capability. Being the most-accepted benchmark, a CIBIL score above 750 is considered as excellent.

You should follow a financial discipline throughout to maintain a healthy CIBIL score for a home loan. While a lower score reduces your chances of approval, a higher CIBIL rating gives an upper hand. A healthy score gives you the grounds to negotiate for the most competitive housing loan rates with your lender.

• Type of interest rate

Most lenders offer fixed and floating interest rates. It is vital for borrowers to have a proper idea on either of these rates –

• With fixed rates, the monthly instalments remain fixed and equal throughout the repayment tenor. It doesn’t get influenced by financial fluctuations.
• With floating rates, the monthly instalments change according to market conditions and the relevant benchmark rates. As they are reliant on lenders’ base rates, the interest gets modified from time to time. While floating rates are comparatively cheaper, it can go higher following market trends, thus, increasing your cost of the loan.

Opt to enjoy the benefits of calculating EMIs beforehand. This can help you choose an appropriate type of home loan interest rate according to your preference and repayment capability.

• Down payment 

Another factor affecting the rate of interest is down payment. When you make a higher down payment, it brings down the LTV or loan-to-value, thus, reducing the risk for the lender. This enables you to enjoy more attractive rates on your housing loan. Alternatively, financial institutions levy higher rates when the down payment is lower.

Try to pay 25% or more as a down payment for the home loan to avail a reasonable rate of interest.

• Eligibility criteria

Every applicant needs to meet certain home loan eligibility criteria which qualify him/her for the funds. These usually encompass age, minimum salary per month, nationality, work experience, etc. Individuals who fulfil all such parameters accordingly are entitled to enjoy more attractive rates on their housing loans. On the other hand, those who do not meet the requirements adequately may have to pay higher rates.

You can also check out some tips to decrease your home loan rates. Approach the best Housing Finance Companies in India for the best housing loan interest rate and attractive features.

HFCs such as Bajaj Housing Finance Limited bring customised pre-approved offers to make the application procedure simplified and less time-consuming. Check your pre-approved offers by submitting your name and contact details only.

Aiming towards affordable housing for all by 2020, the Indian government has introduced several subsidy benefits on home loans. It is, therefore, the right time to invest in real estate and fulfil your homeownership dream effectively. Consider the aforementioned factors and enjoy lower housing loan interest rate from the most reliable lender in India.

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If you are aware of the competition present in the market and want to fight with it to stand yourself among in this world, then you must have a look at the top 6 High Paying Certifications In 2020 mentioned below.  

As we all know, last year has been an excellent year for all. Now, it’s time to focus on 2020. It doesn’t matter in which field we are working. Competition has been reached its highest peak. Various types of technologies have come into the market, which is molding our present and giving a different shape to our future.

Companies have become independent in various emerging technologies, including Cloud Computing, Internet of Things(IoT), Big Data, Cyber Security, and others. They are continuously changing the way of working and taking technology innovation to a higher level.

In this highly competitive and technology-driven world, everyone is struggling to prove themselves in the world. Everyone is giving his/her best to stand out in the crowd. An individual has to keep them updated with the latest technology trending in the industry.

So, if you are also the one who wants to prove them and wish to pursue their career in the industry, then you must pursue the highest-paying certifications. Here, we have brought for you the top 6 High Paying Certifications In 2020 that will be useful for you for sure.

1. Certified Information System Security Professional® (CISSP):

The Certified Information System Security Professional® (CISSP) is accredited by one of the world’s largest IT security organizations that is International Information Systems Security Certification Consortium, (ISC) ². Those who are certified by this certificate are considered specialists on crucial security issues. This certificate includes many certifications such as mobile security, risk management, application development security, cloud computing, among others.

2. AWS Certified Solution Architect:

Amazon Web Services accredit AWS Certified Solutions Architects. It is one of the most leading professionals in cloud computing. The primary duty of AWS Architect is to evaluate the requirements of the organization in cloud computing. Those who want to enhance their career in this profession must have knowledge regarding business continuity, deployment management, network design, data storage, security, scalability and elasticity, cloud migration, and hybrid architecture. Along with this, the person must have one-year hands-on experience in cloud and AWS.

3. Google Certified Professional Cloud Architect:

Those who want to certified by Google Certified Professional Cloud Architect, must have 3+ years of industry experience as well as 1-year designing and building solutions on Google Cloud Platform. Interested aspirants have to register with Google cloud. Also, enhance their skills in Cloud adoption plans, Cloud application design, Cloud management, and monitoring, Application architecture, Deployment strategies, and get certified.  

4. PMP – Project Management Professional:

It is one of the most popular certificate programs. Those who have certified by PMP – Project Management Professional certificate are considered as the most knowledgeable. They know very well about the implementation of best practices to define and plan. Also, how to deliver the milestones of the project to get the best outcomes. Candidates should pass an exam as well as demonstrate relevant experience in project management. You will be amazed to know that half of all professionals are pursuing project management certifications opt for the PMP certification program.

5. CISA – Certified Information Systems Auditor:

CISA – Certified Information Systems Auditor was founded in 1978. Aspirants who have completed this course worked for organizations to secure critical information and technology assets. It is the certificate that is one of the most popular and oldest certification programs among IT professionals. Those who are experienced in information security audit, control, and assurance domain get duty in to. It covers many aspects, such as information system acquisition, development, auditing, governance, IT management, operations, and asset protection.

6. VMware Certified Professional 6 – Data Center Virtualization (VCP6-DCV):

Contenders who are certified with the VMware Certified Professional 6 – Data Center Virtualization (VCP6-DCV) certificate acquire the ability to build a scalable virtual infrastructure. To complete this, they use the vSphere 6 technology. It requires many extra-ordinary skills such as installation, configuration, and optimization of networking and storage assets, and administration of the infrastructure. Those who are new in this field, first they have to clear one exam and complete a training program. Interested candidates must have prior experience with vSphere 6 technologies.

Conclusion:

Well, these are the top 6 High Paying Certifications In 2020. We hope that these are beneficial to you. If you want to acquire more details regarding them, then you must search related to them on Google.

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Everybody has their own definition of life and their own way of living it. But it is really your life, your existence is because of you. Who is the owner of your life, you yourself, or someone else? All of us existence is because of our mother and our mom is the real owner of our life. She tolerates lots of pain to introduce you to this beautiful pain. She sacrifices everything just to make her child’s future, she can bear unlimited pain just for a single smile of her child. But what we do for our moms nothing, you know what whatever we do, it will be nothing in front of her sacrifices and love. But at least we can try to make her smile and feel her how much she means. She does a lot to make her child every day special, especially birthday, but what about her birthday and special. 90% of moms don’t celebrate her birthday, but this year you want to make your mom surprise on her birthday with an awesome gift. So I am going to help you with some extraordinary and super cool ideas.

Also Read: The Famous Romantic Bouquets For Valentine’s Day

Explain Emotion 

As a child when we grow up most of us never able to say exactly what she means and how much we love. So if you are also one of them then this is especially for you. We all know when we start working we don’t get much time for family. So this year spend a whole day with her and start her with her favorite tea and a beautiful rose. Rose is the symbol and I don’t any of the love is bigger than a mother and child. Then help her in the kitchen or if you can give her off from the kitchen for today. Both of you go shopping, a movie, lunch, dinner, long drive, play games together, and do all the things that she loves to do but she never did because of you and home responsibilities. Start her day with a fresh flower bouquet that you can order, online flower delivery in Delhi it depends on you, and end her day with this promise that you will give her time.

Best Mom Trophy 

It is said ‘ without mom no home ‘ so this the best gift that you can give it to your mother. Buy a classic trophy and label it with ‘Best Mom’ and give it to your mom. I can assure you she will so much happy she will never ever forget this gift. 

Crown 

Every mother is the queen and her home is the kingdom. So it is one of the thoughtful and elegant gifts that you can give it to your mom. As we in childhood girls wear the crown on her birthday because for mom she is her princess. But how can anyone be a prince or princess without a queen? This will make She feels so glad and lucky because she has the most loving and caring kids.

Favorite Book with Bouquet 

If your mom loves to read then you can give her favorite book with the beautiful fresh flower birthday bouquet.  And if you live in another country and you are unable to reach then you can order online flower delivery in ahmedabad through Bloomsvilla. 

Keyring with white Tulip 

The second name of every mother is ‘Home Minister ‘ and her world revolves around her family and home. All the responsibilities and ownership she carries, whatever she does only for family and home. She always thinks only about home, so what can be a better gift for her than this beautiful ‘sweet home ‘ keyring. This is such a sweet and innovative gift that you can give to your mother with this white tulip. If you are unable to find white tulip from your nearer florist then go and order a bouquet online. She will be very happy after seeing your gift and proud too because of your thought. These white tulips will enhance the beauty of your gift a thousand times.

So, you have now lots of choices to make your Mom’s birthday remarkable and you have a chance to express your love towards her with these marvelous gifts.

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QuickBooks POS Socket Error 10060 is simply one more typical issue looked by QB clients. It is an association break mistake that happens when preparing an installment utilizing credit or platinum card. At the point when we swipe charge or Visa in the framework, it forms the subtleties identified with card and its holder. What’s more, for this the association must be great. When there is poor availability then the client gets this blunder. QuickBooks POS Error 10061 and QuickBooks POS Error 11001 both imply a similar blunder.

Quickbooks Pos Socket Error 10060 is an association break mistake that is looked by the Quickbooks clients while handling an installment through check cards or Mastercards. Get the full subtleties of Causes and Solutions of Quickbooks POS Socket Error. 

With the utilization of Mastercards or check cards in the framework, the association should be dynamic and legitimate. Dormant associations prompt this blunder code 10060. Quickbooks POS Error 10061 and Quickbooks POS Error 11001 likewise identified with this mistake and same reason. In the event that you need to comprehend the specialized messages of these mistakes, at that point call Quickbooks Point of Sale Support and find support from our specialists.

What is QuickBooks POS 

QuickBooks POS is a standout amongst other programming just as equipment arrangements accessible in the market today. In any case, you get a POS programming that is custom fitted for rearranging the business procedure. You can basically sign into the framework and start ringing up deals, recording bills and solicitations, making buy request, examining information and significantly more. 

Aside from the easy to understand programming, you additionally gain admittance to best in class equipment. Equipment for Quickbooks Customer Service POS incorporates a screen, standardized identification scanner, QR code scanner, card swipe machine, etc. You even get a money cabinet.

Causes and Impact 10060 Error Quickbooks POS Software 

The reasons that may prompt the POS attachment mistake 10060 : 

• Poor web network 
• Attachment association issue 
• Security programming squares organize an association 
• EFT Server Problem 

Arriving at our Support group can cause you better comprehend the explanation and tackling your issue by giving the best arrangement.

For what reason does the issue happen? 

At whatever point you effectively attempt to play an MP4 video report you can get such sort of blunder message while refreshing your Windows working framework. It might be a direct result of your MP4 records are not good with your Windows working framework. Your MP4 records might be adulterated too. Additionally, your framework may be contaminated with Malware infection which is causing the issue. You are to address every one of them while settling the issue. 

Step by step instructions to Fix Quickbooks POS Error 10060 ? 

Arrangement 1 : If Socket isn’t Connected 

• Check the attachment association appropriately 
• Check every one of the wires and fix it on the off chance that it is free
• Check on the off chance that it works 

Arrangement 2 : If Security programming squares organize association 

• Cripple all the security virtual products introduced in your framework. 
• Do the exchange once more 
• On the off chance that Error won’t show up, at that point your issue is settled 

Arrangement 3 : If at least one workstation is being used, at that point utilize the framework where charge card is being prepared 

• Go to Edit menu > Select Preferences 
• Presently pick Company 
• Snap Communication arrangement 
• Check “Utilize this PC for all Visa and charge exchange” choice is chosen. If not, Choose change to this PC 
• Spare at this point 
• Leave the window and revive your Point of Sale 
• Explore Tools menu > User Information 
• Check whether WS-EFT server is there under workstation. On the off chance that truly, Process the card 

Arrangement 4 : Create a New Data File 

• Go to document menu > Select organization information > click New 
• Compose Test in the given space and give a personality to new information document 
• Go to the Edit menu > Select inclinations > Choose organization 
• Select Merchant Service and fill the subtleties 
• Presently Click on Save 
• Go the apparatuses menu > Choose client data 
• Open POS and Process the card once more 

Note : If EFT is running, at that point the issue is with unique document. In this it is strongly prescribed to connect with the accomplished specialists working day and night to Quickbooks Support you. They help you by taking the remote control of your framework and fix this mistake for you .

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