#Home Loans in Hyderabad
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arkaloans · 2 years ago
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Arkaloans Provide Home loans at low-interest rates, zero processing fees, and Zero Foreclosure Charges Based on Banks in Hyderabad
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hyderabadhomeloans · 2 years ago
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moneycreators07 · 7 days ago
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Affordable Low Interest Rate Home Loan Provider in Hyderabad
Looking to buy your dream home in Hyderabad? We offer affordable home loans with low interest rates to make your homeownership journey smooth and stress-free. Our loans come with flexible repayment options and a quick approval process, designed to meet the needs of first-time buyers and homeowners alike. Whether you're upgrading, relocating, or buying your first home, we ensure a transparent, hassle-free experience to help you secure the best loan terms. Trust us to guide you through every step with reliable support and expert advice. Your dream home is within reach with our affordable home loan solutions.
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homeloansguide101 · 9 months ago
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Home Loan in Hyderabad
Hyderabad is both the de facto capital of Andhra Pradesh and the state capital of Telangana, an Indian state. Also, it is the fifth-largest urban economy in India with an output of US$74 billion. Hyderabad has continued to grow at a steady rate thanks in large part to the Telangana government’s optimistic view on aggressive infrastructure development, including elevated corridors, vital road networks and therefore, the Metro Rail. In Hyderabad, there are numerous financial institutions, including both banks and non-banking financial organizations. Fortunately, you may use finance from HomeFirst in the form of affordable home loans in Hyderabad to purchase an apartment with the features you want.
The cost of homes has, quite predictably, climbed along with rising housing demand and space needs. According to one report, housing costs in the city have increased by about 30%. Consequently, this calls for the requirement of home loans in Hyderabad.
Features of Home Loan in Hyderabad
Following are the features of Home Loans in Hyderabad:
Lack of Income Proof
We don’t need to see proof of your income if you’re self-employed or receiving an informal salary.
Loan Amount Maximum
Moreover, Ffor a house loan with a period of up to 25 years, a maximum loan to value of 90% may be offered.
Auto-Prepay
With the use of this function, existing clients can make pre-payments in addition to EMIs without paying a fee.
Loan improvement
Have an unforeseen cost, or has the value of the property increased? Don’t worry, we will increase your existing loan by the additional sum.
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Eligibility of Home Loans 
Home Loan eligibility refers to how much money you’ll get to buy a house and whether you’ll be approved for a loan. In this, certain factors, such as the applicant’s age, income, type of employment and property, credit score, and many others, must be considered to determine your home loan eligibility.
Loan eligibility is determined by several factors, including:
Income Age Employment Situation
Annual Increase
Credit Rating
Income Security
Property Specifics
Loans Outstanding
Collateral Security for Residency Status
Home Loan Documents Required
For applicants who are salaried
KYC records: PAN card, voter ID, passport, Aadhaar card, and driver’s licence
Income Evidence: last three months’ worth of pay stubs, bank statement with salary credits for the previous six months ITR/Form-16
A letter of appointment or an employment contract if the position is newer than a year
A bank document that details debt repayments
Own proof of contribution
Property records
Cheque for processing fees
Additional Documents for Self-Employed Applicants
Recent Form 26AS
Statement of a person’s savings for the last six months
Description of the business Memorandum and Articles of Association
Business entity’s most recent financial statement
Statements of profit and loss for the last three years and the balance sheet
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nehasalunkhe12345678 · 1 year ago
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Streamline Your Dreams with Easy Home Loan Application in Hyderabad |
Experience the convenience of an easy home loan application in Hyderabad . Our streamlined process ensures a hassle-free journey to homeownership, bringing your dream home closer than ever.
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tmrgroup · 2 years ago
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walls-n-windws-infra · 8 months ago
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Leading Real Estate Consultancy in Hyderabad, Telangana
W'n'WInfra is your one-stop destination for all things real estate. Our experienced team of real estate professionals provide clients with the best advice and guidance on buying, selling, and leasing properties. We also help with interior design, home loans, and more.
Our mission is to provide clients with the highest quality services and create a positive real estate experience. Our team of experts are always available to answer questions and provide resources to help you make the best decision. Visit our website to learn more about how we can help you with your real estate needs.
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mariacallous · 2 years ago
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In 2020, Nazia was working at a data entry office in Hyderabad, but dreamed of being a beautician. Then, on YouTube, she saw a video about Urban Company, a platform similar to the US site TaskRabbit, which promises to connect workers—plumbers, electricians, painters, beauticians, and others—with clients who need their services. Workers who join the platform as beauticians often pay upward of $500 to register and receive a salon equipment kit. For Nazia, it felt like an investment worth taking.
When it launched in 2014, Urban Company was revolutionary for India’s disjointed home services market, providing customers with vetted and trained workers through an easy-to-use interface. Nazia was one of tens of thousands of workers who joined the platform, which grew and grew thanks to consecutive rounds of fundraising from investors including Tiger Global and Prosus Ventures, becoming the largest home services provider in India, valued at almost $3 billion. Then it expanded into the United Arab Emirates and Singapore. In 2023, it launched in the US.
For workers it promised an opportunity to work flexibly, and earn well. In 2020, Fair Work, a research group that studies gig work companies, rated the company the best for workers in India, giving it a score of eight out of 10 on parameters that include fair pay and working conditions. (Uber scored one out of 10).
Nazia got stellar ratings and reviews from customers on the platform—so much so that she was invited to pay $300 to upgrade her account to Prime, which gave her access to better-paying jobs.
“Everything was going great,” she says. “With the money I made, I was able to help my family, buy a two-wheeler, and save money for my wedding.”
Urban Company fostered an identity for itself that was different from other gig work platforms, particularly for women. But since the start of the year, things have gone downhill, fast. Thousands of workers have found themselves arbitrarily dumped from the platform for not meeting new targets that they say have been set unattainably high. Nazia is among them. The platform, it seems, is subject to the same cycle of “enshittification” as its peers, sacrificing the incentives it had offered to get workers onto the platform in order to turn a profit—and abandoning its promises of flexibility in the process.
Urban Company declined to comment.
The first sign of trouble at Urban Company started in 2021, as the pandemic hit the home services business. The company slipped in Fairwork’s rankings, scoring five out of 10. Workers twice held protests demanding lower commissions and safer working conditions. After a media storm, Urban Company published a Medium blog introducing a “12 point program” to “improve partner earnings and livelihood”—which included lowering commissions and introducing an SOS helpline for women’s safety. In an attempt to be more transparent, the company started publishing a partner earnings index, but it also filed lawsuits against four protesters for “illegal and unlawful” actions.
But things got really difficult for Urban Company’s workers in 2023. The platform introduced a new rule stipulating that workers had to maintain an acceptance rate of at least 70 percent, a customer rating of at least 4.7 out of 5, and cancel fewer than four jobs per month. Failure meant being blocked from the app. Nazia managed to keep her ratings above 4.8 until May 2023, when they slipped to 4.69. She was temporarily blocked and put into “retraining”—an online video course followed by 10 bookings that she had to take free of charge in an attempt to boost her rating. Unfortunately, for Nazia, her rating did not budge from 4.69. Since then, she’s been out of work.
“It all happened so quickly,” Nazia says. Now she’s stuck with $2,500 in loans.
I spoke to more than a dozen women like Nazia, all of whom asked for anonymity to protect themselves from retribution and say they were blocked by the platform after failing to meet what they believe were unrealistic expectations.
In Bengaluru, Shabnam—who used a friend’s credit card to pay the $500 joining fee—found that Urban Company started assigning her jobs farther and farther away from home. With rising costs and high commissions, taking these distant trips was “as good as earning nothing,” she says. She turned down the jobs that weren’t economically viable, and soon her response rate—the number of jobs she accepted—dropped to 20 percent. In June, she was dropped from the platform.
Seema, who had worked for Urban Company for five years, had a miscarriage earlier this year. As she was being rushed to the hospital, she didn’t have time to mark in the Urban Company app that she wasn’t able to work that day. Her acceptance rate of bookings fell to 30 percent. She couldn’t get her rate back up to the mandated 80 percent, and she was permanently suspended from the platform. “I went to the office with the doctor’s prescription and everything. They still did not agree to reinstate my account,” Seema says.
In Hyderabad, Sunanda says her account was deactivated earlier this year after a death in the family meant she had to cancel some jobs. She pleaded with a company representative on its helpline and in person—she even submitted the death certificate, but she’s still blocked. “They said they cannot reinstate my account because my rating is not 4.7 or above. I told them my rating is 4.69 and if they give me a chance I will bring it back up, but they refused,” Sunanda, 42, said. “They have given the customers this one weapon: ratings.”
As well as the stick of targets and quotas, Urban Company also offered a carrot for workers: shares in the business.
In 2022, the company announced its Partner Stock Options Program (PSOP), granting shares worth $18 million over the next five to seven years. The following November, they awarded stocks worth approximately $635,000 to 500 partners. But while the PSOPs seemed to be almost guaranteed for workers, the process of accessing them is heavily gamified.
Pratima, an Urban Company beautician, was very excited at the end of 2022 when she realized she’d made it to the top 10 list of workers in her category in Bengaluru. If she continued to stay in the top 10 until April, she was told she’d be granted the company’s stock options that following November. “They call us partners, but don’t treat us like it,” said Pratima, requesting to be referred to under a pseudonym. “I was hoping that if I get a share in the company, maybe then I will be treated like a partner.”
By February, Pratima had completed more than 200 jobs, and she was still in the top 10. Then, a series of low ratings by disgruntled customers pulled down her overall rating, blocking her temporarily and dropping her off the leaderboard. She kept at it, worked back-to-back jobs, and got herself unblocked and back into the rankings. April came around, and she was in the top 10. But then the company seemed to have extended the contest—the leaderboard has kept on counting, but the workers don’t know what’s going on. “It’s like they are making us run a marathon in the name of shares,” she says.
For women who were sold Urban Company’s promises of flexibility and empowerment, the shock of losing their livelihood or being forced to work longer and longer hours has been exacerbated by a sense of betrayal.
“For women especially, a lot of times they have care responsibilities at home, and so there’s hope to find work that’s flexible, that allows them to pick up their kids from school or take junior to the doctor,” says Alexandrea Ravenelle, an author of two books on gig work and a sociology assistant professor at the University of North Carolina Chapel Hill. “A lot of these platforms are playing off of that need for flexibility because, for many of the workers who are coming to these platforms, an alternative isn’t a white-collar job in a tech office where they can bring the play pen and set the kid up.”
The mismatch between the promise of these platforms and their reality becomes clear when the businesses move from their early growth phase, in which they are able to burn investors’ cash, to one where they have to start to turn a profit.
When two-sided marketplaces that match workers with clients grow, they try to make things as comfortable as possible for workers to create a deep pool of available services. “The shortcut way to do this is to offer incentives to them—be it sellers, drivers, or other gig workers—showing them that this is a lucrative business,” says Rutvik Doshi, a general partner at VC firm Athera Venture Partners.
Companies spend big on marketing as they try to grow as fast as possible (during the 2021–2022 financial year, Urban Company spent close to $30 million on marketing and clocked a loss of over $60 million), working on the assumption that one day the demand for their services will become organic, the suppliers will start making enough money without incentives, and the platform will be able to raise the commissions it takes off its workers.
But when this doesn’t happen, companies desperately rework their models. When they need to curb spending, or when they struggle to raise new funding, marketing is the first thing they cut. Demand drops, creating an oversupply of workers on the platform. “And the excessive supply on the platforms feels the pinch. That’s the typical cycle with a two-sided marketplace,” Doshi says.
On July 10, Urban Company CEO Abhiraj Bahl released a video to the company’s workers explaining the new strict policies. He said that each year, 45 percent of customers use the platform just once and don’t make a second booking, while 15 to 20 percent of workers leave. “And as a result of all of this, Urban Company is still a loss-making company,” he said in the video, part of which has been viewed by WIRED. “So we are losing customers and we are also losing money.”
He blamed the decline in customers on “poor quality service” and “off-platform jobs”—that is, workers making private arrangements with clients and taking their work off Urban Company, something that’s a serious risk to the company’s model. “It’s kind of an existential question: They need the workers and the customers to stay on their platform in order to remain an intermediary,” says Ambika Tandon, a tech and labor researcher at the Center for Internet and Society think tank.
All of this has led the company to push its workers into a mold that essentially has all the downsides of regular employment but few of the benefits. For workers who joined the platform for its flexibility and autonomy, this reality of platform work becomes difficult to reconcile with.
“Urban Company is trying to imagine an ideal worker for this particular model to be someone who is always available, gives their 100 percent, [doesn’t] cancel at all, has no family responsibilities,” Tandon says. “But a lot of these workers are single parents, who have family responsibility and children to take care of. These are not folks who will fit into this model of having a 80 percent, 90 percent acceptance rate.”
In June, WhatsApp groups used by Urban Company workers were flooded with messages about one of their peers, who had reportedly died by suicide after the company deactivated her account—leaving her with no source of income. Several workers I spoke with said that while the news was shocking, none of them knew the victim. “We were vexed,” Seema from Bengaluru says, “But the problem is that all of us are so isolated from each other. The platform doesn’t have any get-togethers, nothing. We all don’t have any relationships, which is a plus point for Urban Company.”
But, like their peers across the platform economy, Urban Company workers are now getting organized. In June and July, hundreds of Urban Company workers took to the streets in Mumbai, Delhi, Bengaluru, and Kolkata. Shabnam was present at one of the protests last month in Bengaluru, demanding that the company reinstate her account. With this, they have joined thousands of Indian gig workers from Uber, Ola, Swiggy, Blinkit and more.
There have been at least half a dozen such protests across different cities in India since the beginning of the year—all of them essentially fighting for the same reasons: better pay and working conditions, a ban on unfair practices, and laws governing gig work that workers can lean on for safety and protection. “It’s not just Urban Company that has been blocking accounts,” said Shaik Salauddin, founder of Telangana Gig and Platform Worker Union. “Ola, Uber, Swiggy, Zomato, Amazon, Flipkart—all aggregator companies are doing this.”
Rikta Krishnaswamy, a coordinator with the All India Gig Workers Union, said that the union has had conversations with the labor departments across different cities, including Delhi and Pune. Another meeting is coming up in Mumbai. “We have raised complaints against these illegal dismissals, and the labor departments in Delhi, Noida, and Gurugram have sent notices to the company for a meeting,” she said. “Let’s see if they actually show up.”
Some of the workers whose accounts were blocked have been able to get it reinstated, provided their rating was not lower than 4.7 and they weren’t blocked for trust and safety issues. But, if the video shared by Bahl is any indication, things are only going to get worse by the end of the year. The company has launched a salon quality improvement program called Project Shakti, under which, by December, the performance metrics are going to get even stricter for beauticians: an acceptance rate greater than 80 percent, no more than three monthly cancellations, and “100 percent orders delivered on UC app only.” The rating threshold will continue to be at a minimum of 4.7.
The new policy is being hammered home. Workers whose accounts have been reinstated and those already active on the platform are being called for a meeting to the Urban Company office in small groups of around 10. Some have to watch Bahl’s video. Then they are presented with new terms and conditions to sign, which include consent for them to be permanently blocked from the platform if they miss their targets.
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vrinfrarealty · 2 days ago
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loans-paradise · 2 days ago
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arkaloans · 2 years ago
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HOME LOAN A Home Loan is a secured loan product where the lender provides finances for the purchase or construction of a residential/commercial property. One can also avail a housing loan to buy a plot of land and construct it. Home Loans are also issued to extend/ repair/ renovate/ alter a new or second-hand property. The Home Loan is taken by a borrower against the property/security to be bought. This is done by giving the banker a conditional ownership over the property i.e. if the borrower fails to pay back the loan, the banker can retrieve the loan money by selling the property.
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moneycreators07 · 19 days ago
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Affordable Low Interest Rate Home Loan Provider in Hyderabad
Looking to buy your dream home in Hyderabad? We offer affordable home loans with low interest rates to make your homeownership journey smooth and stress-free. Our loans come with flexible repayment options and a quick approval process, designed to meet the needs of first-time buyers and homeowners alike. Whether you're upgrading, relocating, or buying your first home, we ensure a transparent, hassle-free experience to help you secure the best loan terms. Trust us to guide you through every step with reliable support and expert advice. Your dream home is within reach with our affordable home loan solutions.
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leonoverseas · 7 days ago
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Why Choose Overseas Education Consultancy in Hyderabad?
Introduction to Overseas Education Consultants
Planning to study abroad can be exciting yet overwhelming. From selecting the right university to navigating visa processes, it requires expert guidance. That’s where Overseas Education Consultancy in Hyderabad come into play. These professionals simplify the process, offering students a seamless experience in achieving their global education dreams.
First Choose Overseas Education Consultancy in Hyderabad?
Hyderabad is a hub for students aspiring to study abroad. With a multitude of experienced consultants, the city offers unmatched guidance for international education. Here’s why students prefer these services:
1. Comprehensive Counseling: Consultants provide personalized advice based on your academic background and career aspirations.
2. Wide Network: They have tie-ups with top universities in countries like the USA, UK, Canada, Australia, and Germany.
3. Hassle-Free Process: From application to visa approval, they handle every step efficiently.
4. Scholarship Assistance: Many consultancies help identify and apply for scholarships to ease financial burdens.
5. Test Preparation Support: Coaching for IELTS, TOEFL, GRE, and other required tests is often part of their services.
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Top Services Offered by Study Abroad Consultants
1. University Selection: Consultants help shortlist universities that align with your goals and preferences.
2. Application Assistance: From filling out forms to submitting documents, they ensure accuracy and completeness.
3. Visa Guidance: Expert advice on preparing visa applications and attending interviews.
4. Financial Counseling: Assistance in managing tuition fees, living expenses, and exploring loan options.
5. Pre-Departure Briefing: Guidance on cultural adaptation, travel arrangements, and accommodation.
These services ensure a smooth transition to your new academic journey.
Popular Destinations for Study Abroad
Hyderabad-based consultants specialize in sending students to top international destinations, including:
• USA: Known for its prestigious universities and cutting-edge research opportunities.
• UK: Home to globally ranked institutions and shorter, career-focused courses.
• Canada: Offers affordable education, work opportunities, and permanent residency options.
• Australia: Known for its vibrant student life and high-quality education system.
• Germany: A favourite for engineering and technical courses with low or no tuition fees.
Each destination offers unique benefits tailored to your academic and career goals.
Choose the Best Overseas Education Consultant
1. Research Their Experience: Look for consultancies with a proven track record of successful placements.
2. Check Reviews: Read testimonials and reviews from previous students.
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Selecting the right consultant ensures a smooth and stress-free journey to studying abroad.
Benefits of Choosing a Consultant
1. Saves Time: Consultants streamline the process, saving you months of effort.
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3. Increases Success Rate: Their experience ensures better chances of application and visa approval.
4. Reduces Stress: They handle all paperwork, letting you focus on preparing for your academic journey.
Conclusion
Overseas Education Consultancy in Hyderabad are a lifeline for students aspiring to study abroad. With expert guidance, personalized services, and extensive networks, they turn your dreams into reality. Whether you aim to study in the USA, UK, Canada, or elsewhere, choosing the right consultant can make all the difference.
Start your journey today and let Hyderabad’s best consultants pave the way for your global success!
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modibuildersam · 8 days ago
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2 bhk apartments in Hyderabad
Are you looking for a premium yet affordable 2 BHK apartment in Hyderabad? Look no further than Modi Builders, a trusted name in the real estate industry. With years of experience in delivering high-quality residential projects, Modi Builders offer meticulously designed apartments that provide comfort, style, and convenience.
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Clubhouse with recreational facilities
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tmrgroup · 2 years ago
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pavitrapavi · 12 days ago
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Spacious Independent Villa Plots for Luxury Living
Owning a spacious independent villa plot is a dream for many who seek a luxurious and peaceful lifestyle. With increasing urban congestion, open plots for sale offer an exclusive opportunity to build a home tailored to your preferences while enjoying ample space, privacy, and high-end amenities. Yugandhar Realstone provides premium villa plots for sale in Hyderabad that perfectly blend comfort, elegance, and investment potential.
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If you are searching for open plots for sale in Hyderabad, Yugandhar Realstone offers premium villa plots in prime locations, helping you take a step closer to your dream home.
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