Designing a False Ceiling for your Kerala Residence

House Builders in Kerala are now experimenting with newer Roofing Options like Metallic Roofing with a False Ceiling provided below it. This has many advantages like-
1. Flexibility in ceiling design and lighting systems,
2. Reduced structural weight that in turn reduces the amount of structural steel and concrete required- thus reducing cost, and
3. Thermal as well as Sound insulation depending on the materials used.
This week, we take a look at False Ceiling designs for different rooms within the house.

Drawing Room False Ceiling

The ceiling design is a fantastic way to add character and focus to drawing room. Add welcoming dimensions to drawing room ceiling by adding decorative ceiling medallions, ceiling dome, ceiling moldings etc. Add character to drawing room by adding stretch ceiling, wood plank ceiling, decorative ceiling lights or steel ceiling. Be creative with ceiling design, a range of creative designs is available for you. Lighting, paint colors, paper, texture paint can be applied to drawing room ceiling.

Dining Room False Ceiling

Dining room ceiling designs can change the interior of your room. A white ceiling in your well furnished home may look dull. Ceiling designs and colors can be the feature of your room. Tray ceiling, ceiling domes, textured ceiling or ceiling medallions with moldings can be your choice.

Bedroom False Ceiling
The bedroom ceiling design and color combination can not only cherish the mood but make an impression of a large space. Paint ceiling in a soft color, a lighter version of wall color to create a pleasant appearance. As bedroom ceiling stays in your field of vision more than the ceilings of other rooms, select color combinations that calm your senses.

The shades of medium to dark browns are great for bedrooms because these shades nurture and satisfy our spirits. Make use of beiges, browns and tans because they are earthier and reflect the colors of rock, stone and soil. A combination of greens and brown is also good for bedroom because of warmth and cozy feeling in your room.


Children's Room False Ceiling

Children's room is very special place in the home and it should reflect the interest of your kid. Add a design on ceiling with stenciling which is a great idea to add pattern in room. Match ceiling colors with bed sheet and rug to give a nice look to room. A rising sun on kid’s room ceiling with bold colors and white molding looks beautiful in vaulted ceiling.

Match up ceiling color with wall color and curtains in kid’s room. Hanging lights and task lighting on ceiling is a great idea for kid’s room. A kid’s room with lots of colors on wall and ceiling with ceiling lights will look interesting. Designing a kid’s room ceiling and color choice depends on your imagination. Odd color combination can make a room look dull and messy.

Useful Tips for False Ceiling Color Selection 

• Opt for the color that is lighter than wall color to make bedrooms with low ceiling harmonious and spacious. Use a darker shade to make rooms with high ceiling look appealing.
• Choose monochromatic theme for fresh look. You can pick a color that is two or three tones lighter than the color of your bedroom walls for tranquil look.
• Go for white ceilings which the people usually tend to do but it is conventional.
• Opt for a ceiling color that is in contrast with wall color like combination of light pink and mauve color for different look.               
• Add a subtle shade of wall color to your bedroom ceiling to give room a soft and serene atmosphere. 
• Use ceiling as a place for visual expression; create an overhead view of pleasant blue sky or pattern your ceiling with colors and shapes that match up with the dcor of the room for dramatic look. 
• Make a choice for attractive ceiling lighting or even a crystal chandelier that will add a patterned effect to the ceiling.

Ceiling Lighting
Ceiling lighting uses different light fixtures in order to give illumination to a building or structure. These light fixtures vary mainly in style, color, shape and size. These fixtures are both functional and aesthetically pleasing.

Ceiling lighting fixtures can be divided into two main categories namely, flush mounts and semi-flush mounts. For ceiling lighting using flush mounts, they are characterized as fixtures that have no gap or almost have no space between the light fixture and of the ceiling. While semi-flush mounts use fixtures that are attached with parts or stems, creating a space is necessary between it and the ceiling.
There are numerous designs to choose from when it comes to ceiling lighting fixtures. Traditional, contemporary, and modern lighting fixtures are some of the more general types. Art-deco, Victorian and ultra modern styled lighting fixtures are some of the more specific types.

Aside from having different designs, ceiling lighting fixtures can also be differentiated through their uses. Some of these fixtures are used for focusing directly to a work area or can also be used as diffused lighting, like for instance, ceiling lightings on greenhouses and photo studios.
The more specialized type of ceiling lighting are ceiling fan lights, chandeliers and recessed lights. Ceiling fan lights are suitable for places that have a warm or hot climate.
Chandeliers are the more fancier and decorative type of ceiling lighting, since it has intricate designs and uses expensive materials. For recessed lights, they are mainly used as accents in interior spaces and at outdoor spaces as well. Using this type of ceiling lighting can have a dramatic effect. The intensity of the illumination can also be adjusted.
Choosing the right ceiling lighting can be both rewarding and exciting, but at the same time, can be frustrating and daunting. But by using the right type of lighting for a particular area, everything will follow through. Style, color or size that you may choose, may also greatly affect the functionality of the ceiling lighting.

Everything about Kerala Home Loans

There are various reasons why you would like to avail a housing loan when you build or purchase a residential property. It could be to ease the up front payment or to manage your tax payments. In this article we describe the various aspects of Kerala Housing Loans- normal industry standards and the contact details of various Home Loan Providers in the Kerala Housing Sector.

The details given below are average industry standards that can be taken as a base-line. However, there could be variations with different Financial Institutions based on individual Project  details and other factors.

You will need to state the purpose for availing the loan; whether the home loan is for- construction/ purchase/ repair/ renovation/ alteration of a house or if it is for the purchase of a plot for the construction of a house.

Persons eligible for a Kerala Home Loan are the following-

All Resident / Non-Resident Indians with a regular monthly income

Spouses of Non-Residents, who are residents and receiving regular monthly income.

Salaried persons, self employed businessmen, professionals and agriculturists, who have regular monthly income and who have a minimum of three years of standing / experience in their line of activity.

The age should be such that the borrower is able to close the account before he attains the age of 65.

The Maximum Loan amount that can be availed is usually-

60 times of Net monthly income (NMI)/ Average monthly income (AMI) for individuals upto 45 years of age.

48 times of Net monthly income (NMI)/ Average monthly income (AMI) for individuals over 45 years of age

However the repayment obligation is restricted to Maximum 60% of the NMI/AMI.

20% of project cost will be considered as margin; and 80% will be disbursed as the loan amount.

The disbursement of the loan amount is usually performed as following-

For the construction of a new building: In three stage, 30%, 40% and 30% of the loan amount. The last installment is usually disbursed three or four weeks prior of the completion of the building

For outright purchase 100% to the seller, after payment of the margin of 20% by the applicant.

For purchase of plot and construction of the building, the loan component for purchase of the plot will be only 30% of the total project cost or 80% of the land value which ever is lower.

Mode of Repayment is usually as follows-

For applicants upto 45 years of age – Maximum 20 years.

For applicants above 45 years of age – Maximum 15 years.

It includes the repayment holiday of a maximum of 18 months. Repayment usually begins on completion of the house or 18 months from the disbursement of the first installment of the loan, whichever is earlier.

Mortgage of property by deposit of title deeds is retained by the Financial Institution as Security.

Usual Processing Charges:

Limit upto Rs.25,000 - Nil

Limit above Rs.25,000 to Rs.2 lakhs - 0.5% of the loan amount (Max.Rs.500/-)

Limit above Rs.2 lacs - 0.5% of the loan amount

Insurance is to be arranged for the total cost of building.

Papers to be submitted to the bank are as follows-

In addition to the application form(in duplicate) and two passport size photographs, the following papers are to be submitted to the respective Bank.

1. PROOF OF INCOME

In case of salaried persons:

Salary certificate showing deductions.

Authorisation to deduct monthly installments from the salary of employee for credit of the loan account wherever available.

In the case of self employed / professional / business men.

Audited accounts and Balance Sheets/income tax assessment orders/Returns/Memo/Statements of computation of taxable income filed for the last 3 years.

2. DOCUMENTS TO BE SUBMITTED FOR CONSTRUCTION / IMPROVEMENT OF HOUSES

A copy of the plan inclusive of site plan approved by the Corporation/ Municipality/Development Authority/Panchayat as required.

A copy of the building permit issued by the Corporation/ Municipality / Panchayat as required. In areas where building permit is not required a No Objection Certificate from the authority concerned.

Estimate approved by licenced Egineers/Architects approved by local bodies.

Original and prior title deeds.

Latest tax receipts.

Possession Certificate

Encumbrance certificate from the Sub Registrar for the last 15 years.

Title clear certificate from the banks approved advocate.

Valuation report from the banks approved valuator.

3. DOCUMENTS TO BE SUBMITTED FOR PURCHASE OF HOUSES/FLATS

A copy of the agreement for sale.

A copy of the Title deeds of the present owner.

A copy of the land tax receipt.

A copy of the building tax receipt.

Encumbrance certificate from the Sub Registrar for the last 15 years.

Title clear certificate from the banks approved advocate.

Valuation report of the property and building from the banks approved valuator.

After the sale deed is executed, the original deed along with fresh encumbrance certificate and possession certificate should be submitted. For purchase of plot alone all the documents as above except the no. iv are to be submitted. After availment of the loan, encumbrance certificate for four months after the date of mortgage is to be produced.

Home Loan Providers in Kerala

State Bank of India

http://www.sbi.co.in/viewsection.jsp?id=0,1,20,115

Federal Bank

http://www.federalbank.co.in/loans/HousingLoan.htm

State Bank of Travancore

http://www.statebankoftravancore.com/domloan.htm#dhouse

Dena Bank Home loan

http://www.denabank.com/db/viewsection.jsp?lang=0&id=0,4,26,65

ICICI Bank home loan

http://www.icicibank.com/pfsuser/icicibank/ibank-nri/nrinewversion/home_loan.htm

HSBC Home loan

http://www.hsbc.co.in/in/personal/loans/homeloan.htm

Canara Bank Housing loan for NRI

http://www.canbankindia.com/nri/loansadvances/housing-ind.html

HDFC Bank home loan

http://www.hdfcbank.com/Ri/RI-loan-home-intro.htm

LIC HOUSING FINANCE LIMITED

http://www.lichousing.com

GIC Housing Finance Ltd.

http://www.gichfindia.com

IndusInd Bank

http://www.indusind.com

Electrical wiring for your home

'Electrical wiring' for homes is the use of insulated conductors and associated devices to carry electricity to different parts of your house so as to operate devices that work on electricity. 

Materials for wiring interior electrical systems in buildings vary depending on:

• Intended use and amount of power demand on the circuit
• Type of occupancy and size of the building
• National and local regulations
• Environment in which the wiring must operate.

Wiring systems in a single family home or apartment, are simple, with relatively low power requirements, infrequent changes to the building structure and layout, usually with dry, moderate temperature, and noncorrosive environmental conditions.

In order to install any electrical wire installation, the proper wire size for the application is needed. But how do you know what size wire to use? The installation of conductors will depend on a few factors like- the gauge of the wire, wire capacity, and what the wire will feed.

The larger the wire gauge, the larger the amperage that the wire can handle. Wire amperage is the safe amount of current that a wire can handle without getting hot or causing a fire. The following examples of devices in your home, the amperage that they are rated for, and the wire gauge, will help you determine the right size wire for the appropriate application.

There are several steps you can take now to minimize the energy used by the electric devices in your home:

Unplug It.

The simplest and most obvious way to eliminate power losses is to unplug products when not in use. Search the wall sockets in your house for hidden un-connected chargers and other devices that don't need to be plugged in. When you detach your cell phone or similar device from its charger, unplug the charger too.

Use a Power Strip.

Plug home electronics and office equipment into a single power strip with an on/off switch. This will allow you to turn off all power to the devices in one easy step. But remember to keep your power strip in an easy-to-reach location! Once the power strip is turned off, no power will be delivered to the outlets, thereby eliminating power wasted by power supplies.

Use a Power Meter.

Use a power meter to find your leading sources of energy consumption to help you to prioritize which products to unplug or to replace. Plug these devices in between a given appliance and the wall socket to see how much electricity it is using.

Is your Kerala Home Environment Friendly?

Traditional Kerala homes were more environment friendly than our modern homes, as we used building materials (like laterite stones, wood, lime plaster etc.) that were available closer to the site and created a self-sustaining system with well water sources and house ponds, had kitchen waste pits that served as garden manure sources, planted medicinal and vegetable gardens etc. Today, we rely on commercially purchased high-energy building materials like concrete and steel and depend on public energy and water distribution system for our needs. This naturally creates a negative impact on the environment.

An Environment Friendly home is one that has a healthy internal environment without adding too much impact on the environment by utilizing renewable resources. This can be achieved by the following methods-

• Using locally available natural building materials for construction.
• Relying less on electrical lighting and heating by having more natural sunlight and ventilation by proper placement and provision of windows.
• Installing rainwater harvesting systems to offset some of the water needs in the house.
• Installing compost pits to generate cooking fuel and manure.
• Having solar panels or micro wind turbines to generate electricity from renewable sources.
• Installing solar water heaters to minimize electricity consumption.
• Separating Biodegradable and Non-biodegradable waste to enable recycling and proper disposal.

Apart from decreasing the harmful impact on the environment, an Environment Friendly 'Green Home' reduces operational costs in the long run by saving electricity and water; and also by maintaining a healthier internal environment.

So, how do we determine if a house is truly- 'Green'? Eco-friendly houses are evaluated on several parameters before being given a green rating-

• Site planning and eco-friendly building design.
• Preservation and protection of top soil and landscape during construction.
• Heating, air-conditioning, ventilation, lighting and electrical and water heating systems.
• Optimization of building design and structure to reduce demand for conventional energy.
• Integration of renewable energy sources to generate energy.
• Water and waste management.
• Selection of ecologically sustainable materials for construction.
• Indoor environmental quality (indoor thermal and visual comfort and air quality).
• Conservation of soil during construction and proper top soil for vegetative growth.
• Renewal energy-based water heating system such as solar water heaters.  
• (Courtesy: Business Today)

Giving due consideration to these aspects while constructing your House in Kerala; or even providing them in your existing house; will improve the 'Green aspect' of your living environment!

Home Automation Systems in Kerala

Home Automation in simple basic terms, mean anything that gives us a remote or automatic control of things around our home. As the world gets more and more technologically advanced, we find new technology coming in deeper and deeper into our personal lives at home. Home automation is becoming more and more popular around the world and is becoming a common practice in today’s world.

The process of home automation works by making everything in the house automatically controlled using technology to control and do the jobs that we would normally do manually. It is much easier to install home automation in a house while it is still being built, since you have the ability to put things inside the walls to save space. Though, people who have houses already built can still have home automation done in a less intrusive way through wireless systems.

Home automation takes care of a lot of different activities in the house. Some of these things are as simple as turning on the sprinklers at a certain time every day and detecting burglars in the middle of the night. Others are much more advanced like sensing the presence of the person in a room and adjusting light ambiance, the temperature in the room, the volume of the music, according to different factors like the day of the week and the time.

The systems that you can control include-

Lighting, 

Appliances, 

Heating and cooling, 

Security and monitoring systems, 

Entertainment (home audio and video), 

Communications (telephones and intercoms, internet), 

Lawn sprinklers, 

Curtain movements, 

Gate door motor, 

Shade motor control, 

Keyless entry etc.

The concept of home automation is to connect all of these systems and devices to a central controller so that they can be controlled from anywhere and react to one another. For example, as you arrive home, your home-automation system can automatically open the gate door, unlock the front door and disable the alarm, light the downstairs, and turn on the TV. Or if you power on the DVD player, it might automatically dim the lights, draw the shades, and direct all calls to voicemail.

This central controller can be accessed and controlled through interfaces like keypad, wired or wireless touch-screens (with/without video), universal remotes, mobile devices such as a cell phone or PDA, any PC, at home, in the office, or on the road.

The central controller has various peripheral devices connected to it so that it can receive and send signals to them for appropriate controls. These peripheral devices can be Lighting Controllers, Switches, Lighting Dimmers, Wireless security transmitters, Door contactors, PIR sensors, Infrared keyfobs, Fire/smoke detectors, Sprinklers, Sirens, audio controllers, speakers, temperature sensors, thermostats, cameras, televisions, CCTV, appliances etc.

If appropriately specified, installed, operated and maintained, advanced lighting control strategies can reduce energy costs from 15 to 55% in your home, either by keeping lights off when and where they are not needed or by lowering light levels to correspond to the task at hand. In addition, lighting controls can increase occupant satisfaction and productivity by allowing users to tailor lighting levels to their personal needs and by optimizing light levels for the work environment.

To make sure that your new house being built in Kerala can be adapted to Home Automation Systems, have it installed with structured cabling.

The telecommunications cabling in a modern home supports a large and growing number of applications, including voice telephony, data networking, personal computers, printers, Internet access, and other applications, entertainment equipment like TV, home theater, whole-house audio, and home automation equipment, lighting control and security systems. For ease and convenience it is necessary that the new home should have single cabling infrastructure with CAT 5 or CAT 6 cables.

Though sophisticated Wi-Fi equipments are there in the market, yet looking in to the promising future of IPTV etc. it becomes essential to go for high bandwidth solution. Entertainment applications, such as streaming video, typically use much more bandwidth than the voice and data applications. Therefore, a modern residence often requires more bandwidth than a typical office and needs to have structured cabling.

Benefits of Home Automation-

Convenience

We’ve all gotten used to controlling our TV from the couch; just wait until you are able to dim the lights as well. Imagine adjusting the temperature from your bed or controlling the volume of your whole-house audio system from any room. Or imagine the wall/ceiling heater in your bathroom coming on automatically on chilly mornings 5 minutes before your alarm clock goes off so that it is warm when you enter. Many of the Home Automation products also save energy.

Safety

Automatic Gate opening systems are getting common these days, but you’ll be surprised how much safer you’ll feel coming home to a lit home and even turning on more lights from your keyfob remote upon your arrival. With a couple of basic products you can have your whole house light up when there is motion detected at any corner of your house. Imagine your house sending you an email if there is motion where there shouldn’t be any. Or you can have your security system call you if there is an alarm, which might include your typical security alarm or even a low or high temperature or water in the laundry room or basement.

Fun

High-tech products for the home are fun to use and share with others. Whether viewing visitors at your front door on your TV or tuning your stereo by using voice recognition, you’ll find home automation surprisingly enjoyable.

Some Home Automation companies that service Kerala are the following-

Eloka Enterprises Kerala

Ist Floor B Wing, 30/120B, Pranavam Tower,

Pettah Junction,

Poonithura, Cochin 682038.

Landmark : Varkeys Super Market

Mobile : +91 - 99955 87415 / 95678 62880

E-Mail : Support@Eloka.Net

Eloka Trivandrum

Future Desinz,

TC 13 / 1136, Kannammoola,

Trivandrum 695011

Mobile : +91 - 98470 65252 / 98472 99664.

E-Mail : Support@Eloka.Net

Netsys Consultants

A51/ Mosk road

Frazer town

Bangalore, India

T.  +91 80 4563787 

F.  +91 80 4563798

E.  info-ind@netsysconsultants.com

Honeywell Automation India Ltd.

No. 2234, 23rd Cross,

Banashankari 2nd stage,

Bangalore - 560070

Tel: 91-80-66146565

Fax No. 91-80-66146566

Controls & Schematics India

Kochi, Kerala

Website:http://www.csindia.biz

Tel: 91-98470 66638

Preparing your Site for Construction

Now that you have your designs ready, it is time to start actual construction. Site preparation is a process that includes the following steps-

1. Soil testing

2. Site-plan designs

3. Zoning restrictions

4. Environmental concerns

5. Utility placements

6. Clearing

7. Excavation

Each step will have to be carefully investigated and have to go through a process of approval, and finally be put into action. The final result will be the proper placement of utilities, water supply and sewage disposal and the construction of a suitable foundation.

Soil Testing

A soil test provides basic information on the composition of the soil and its ability to support a structure; as well as the absorption and drainage rate of the soil. It will help in determining the strength of foundation required. Knowing the absorption rate will give homeowners an idea on how well the soil will accommodate septic and water and in determining where a septic system and well can be placed.

Site-Plan Design

A “site-plan design” is a crucial step in site preparation. It is the step that indicates the anticipated placement of the building, septic tank, well location (or public water connections), and any other fixtures. The site-plan design will also portray current vegetation that will be removed, surrounding wetlands or protected areas, access roads for construction vehicles, anticipated location of any paved driveway or road, and curb-cut locations. All site-plan designs must adhere to local or town regulations and be brought before zoning-approval boards to be used in the permitting process. You may have to refer to the section on Site Setbacks in Kerala Building Rules to know how much area has to be left between the house and the boundary wall on all four sides.

Clearing and Excavation

The final steps in site preparation include clearing and excavation. Certain sites will require you to remove trees and stumps from the building site in order to make room for septic systems, wells and utilities. The process of clearing and excavation is very expensive. For this reason, it is suggested that you only clear the necessary areas. Too much clearing can be very expensive and affect erosion.

Have a center-line diagram prepared for the foundation and perform a 'kutti-adi' or Site 'Setting-out' using pegs and ropes to determine the area that is to be cleared for the house and the surrounding set-backs and landscaping. 

If there is extensive clearing to be done, you may have to depend on heavy machinery or JCBs for this task. Proper planning will help in efficient utilization of time and resources in preparing your site.

The steps involved in building a house

Simple List-
> Design Phase -
Step 1- Prepare Architectural Designs
Step 2- Prepare Submission Drawings
~ Submit for Approvals
Step 3- Prepare Working Drawings
~Electrical, Plumbing & Sanitation Layout
Step 4- Prepare Cost Estimates
> Construction Phase -
Step 5- Prepare Building Contracts with Cost & Time Schedule
Step 6- Clearing the Site
Step 7- Excavation for Foundation
Step 8- Building the Foundation
Step 9- Build Ground Floor Wall with lintel
~Carpentry Works
Step 10- Ground Floor Ceiling Slab
Step 11- Floor Concreting
Step 12- Build First Floor Wall with lintel
~Carpentry Works
Step 13- First Floor Roof Slab
Step 14- Parapet Wall
Step 15- Installation of Electrical, Plumbing & Sanitation
~Water Tank & Septic Tank
Step 16- Plastering
Step 17- Painting
Step 18- Floor tiles
~Handrails
~Compound Wall & Gate
~Landscaping
Step 19- Furnishing & Interior Design
Step 20- Solar Panels, Security Systems & Other Enhancements

Expanded List-
Construction Steps -Working Pattern
Design –
1. Site survey, Soil study
2. Discussion of functional requirements
And budget limitations
3. Presentation Drawing by Architect
4. Discussion, Corrections and finalization
5. General Architectural Drawing
6. Prepare Drawings for Submission
7. SubmitDrawings for Approvals
8. Prepare Structural Design and drawings
9. Prepare detailed working Drawings.
10. Electrical, Plumbing & Sanitation Diagrams
11. Prepare Detailed Estimate
12. Prepare Working Schedule, Contract conditions,
Progress Chart & B O Q
13. Invite Quotation with previous working Experience
14. Scrutiny of Quotations and enquiry on previous projects
15. Awarding of work and Execution of Agreement.
Construction-
16. Clearing the Site and set out of building foundation at site
17. Excavation for Foundation,
Collection of materials at site for foundation
Construction of Water Tank Ground
Digging of well
18. Starting Foundation work,
Procurement of wood for joineries
, Material collection for walls and lintels
19. Ground Floor Masonry with lintel
fixing of door and window frames
Collection of materials for floor slab
lay pipes on wall for wiring
Shuttering and bar bending for floor slab.
20. Concreting Floor Slab
21. Curing time floor slab,
Material collection for first floor
Carpentry work continues
Collection of materials for plastering walls G F
22.Remove form work
23. Start first floor masonry and continue up to
roof level including lintel and shades
Fix doors and window frames
lay pipes on wall for wiring
Shuttering and bar bending for roof slab.
Concrete Roof Slab
Wait for curing
Remove first floor form work
Start wood work for interior
Concrete Ground floor-floor
Do concealed wiring and plumbing
Start plastering Ceiling G F
Ground floor walls
Parapets outside
Plastering F F inside
Water Tank Over Head
Construction of Septic Tank
Compound wall
Land scaping
Plastering Out side
Design Works
Leveling walls for smoothness
White Cement to walls
Painting Ist coat
Floor tiles
Fixing of Sanitary and
Water supply fittings
Fitting of Kitchen modules
Fixing of Furniture and cupboards
Roof tiles
Solar panels
Security fittings
Exterior pavements
Gardening