7 Easy Ways To Give Your Wall A Complete Makeover

 There are many things in your home that are close to your heart or have memories attached with it but are of no use. These are often dumped in that box holding all the things you do not need. However, there is an interesting way to bring to life these old memories and give them a place in your home’s décor – turn them into art.

And, while you thought art was expensive, these old memories will only make it priceless without you having to invest anything.

Give your wall a complete makeover with these quirky tips:

CD covers

We are all about streaming music and casting videos now, making CDs a yesteryear product. However, old, some of the CDs, yes, you can admit that you bought them because they had a beautiful cover. It was later that you fell in love with the songs. Why not turn these beautiful covers into an art?

Pick some colourful covers and create a collage. Use wooden framing to turn this collage into a wall hanging, an art piece that would be loved by the many music lovers.

Stamps or postcards

Many of our parents had the hobby of collecting stamps and postcards from around the world. Colourful and interesting, these stamps and postcards can be a piece of art, too. Use them to transform your otherwise drab walls.

Handkerchiefs

Bright, colourful and patterned handkerchiefs can be an interesting option, too. Use them in small frames and place them in a collage form on the walls. Make sure you use them on the wall you want to highlight the most in your room. This can make the otherwise pastel theme of your room come to life.

Old hand-written letters

Hand-written letters are a thing of yesteryear, but, remain close to our hearts still. Framing an old letter your best friend wrote to you, or a letter you received from your grandparents when you were a small child, could be a good way of keeping the memories alive. Also, the vintage look of the letter, a beautiful handwriting and the beautiful words written can do wonders to the overall decor.

Book covers

Many of us choose our books by their covers that attract our attention. Some quirky, some telling and some bright, these book covers can be a great way to deck up your walls. Make a collage of some interesting book covers and frame them to create a piece of art. Have some old or rare book covers? Try it now.

Currency notes

Frequent travellers have a hobby of collecting currency notes just like some have a hobby of collecting postcards and stamps. These can also be used to adorn your walls. Just like you would do to book covers and stamps, frame these currency notes to create a wall art.

Old photos

What better way than to say it with pictures? Old pictures of your parents when they were young, photos of your childhood and now photos of your little ones put together can create a beautiful family tree frame. A mix of monochrome and coloured pictures can be pleasing to the eye.

BONUS Point:

Wallpapers

Although not from the closet of old memories, left out wallpaper can also be turned into an art by just framing it. Have a piece of wallpaper that was used to decorate the walls of your bedroom? Use this left out piece and get it framed to add beauty to the plain walls of your living room. You could also frame a variety of wallpapers to create a multi-colour scheme.

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Common Myths About Property Tax Payment Busted

 In matters that are considered complicated, we tend to believe any opinions that come our way. However, in matters as serious as property, public opinion should not be our guide. If you recently bought a property, it is important to understand your tax liabilities. Any confusion in this regard can cause major financial losses.

Myth: Property tax can be paid anytime

Fact: You can pay your property tax on both a semi-annual and an annual basis. In case of a delay in payments, a penalty is charged. However, municipal bodies are often seen extending schemes to encourage taxpayers to make payments by waiving penalty amount by a huge margin.

Myth: My tenant will pay property tax on rented unit

Fact: As the owner of the property, a landlord is responsible for paying the property tax, and not the tenant. It is illegal to force your tenant to do the same. In many countries, tenants are responsible for paying this levy, unlike India.

Myth: The Central government decides the rate of property tax

Fact: Land in India is a state subject and district municipal bodies assist them in collection of property tax. Typically, urban-local authorities are responsible for evaluating your property and collecting taxes accordingly. Your property tax amount includes utility bills such as power, water and drainage.

Myth: I can in any circumstance avail of a rebate if I am a senior citizen, a woman or a differently-abled person.

Fact: This is true as long as your property is not given on rent — this means the property must be self-occupied for you to claim rebates. You can also enjoy concessions if your property falls in a location that is prone to natural calamities or if you are a former staff of the Indian military services. In case you have rented out your property, you will have to pay taxes under the provisions of the 'income from house property' of the Income-Tax Act.

Myth: I can get away with defaults by paying a fine

Fact: Well, most of the times. Municipal bodies impose an interest on dues as penalty for non-payment. However, non-payment of property taxes for a long time might also force the municipal body taking over the property and selling it in the market to recover dues. There have been many such instances in major cities where a municipal corporation ended up auctioning the property to recover property tax dues. In February 2019, for instance, the Pune Municipal Corporation seized as many as 600 properties with a market value of Rs 500 crore over non-payment of property tax dues.

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All You Need To Know About Partial Occupancy Certificate

 Under-construction properties offer you the luxury to invest in real estate at a comparatively low price. They also give you the option of living in a brand-new house, something that a resale property does not offer. However, to be able to make the best use of your investment, you need to be well versed with several civic, legal, technical and financial aspects. It is in this context that you must know what role partial occupancy certificates have in the purchase process.

Buyers are aware that they cannot occupy a unit in a housing project, till the time the project has received an occupancy certificate (OC). Now, housing projects that involve large-scale developments, are typically built in a phased manner. Once a part of the project is complete, the developer has the right to apply for a partial occupancy certificate (POC) with the local authority.

For example, if a realtor is building a large housing project that involves construction of, say, eight towers, he could apply for a POC as soon as the work on the first tower is complete. Now, the question that arises, is whether it is legal to occupy a unit, which has received a POC and not an OC?

The answer is that you are well within your right to occupy a unit in a tower for which your developer has received a POC. However, the builder must apply for an OC after the completion of the entire project.

Here are some important things about POC that you need to keep in mind:

Home loan: Unless your developer has a tie-up with it, a bank would not be willing to issue you loan for a project that has received only a POC. If you are picking a fresh unit out of the unsold units lying with a developer, make sure he has in his possession an OC and not just a POC.

Validity: The validity of the POC expires as soon as the project is complete—technically, a builder must complete the project for which he has received a POC within seven years. Once that happens, the developer must apply for an OC with the development authority within 30 days. However, a POC is no guarantee that the developer will be able to get the OC too, as this would depend on several factors.

Ownership documents: While you will be able to apply for utilities using the POC, the authorities may not sanction you the documents that prove your ownership of the property. In Bengaluru, for instance, khata certificates by the city’s development body are not issued till you present an OC.

Project progress: Buyers that have been given a POC must closely monitor the progress of the project and ask the developer to issue the OC, as soon as the project is completed in entirety.

Possession: A POC gives the developer a chance to offer for possession the units that lay in a finished tower. If such was not the case, the buyer of tower A would have to wait to get possession till, say, Tower D was completed in a project. Hence, this arrangement works well for both, the buyer and the realtor.

It has been noticed that realtors also insist on buyers taking possession of units, saying they have received a POC for the tower. Upon arrival, buyers find their accommodations unfit for living. First of all, the developer can in no way force you to take possession of what is uninhabitable by standard definition. This must be brought to the notice of the Real Estate Regulatory Authority in your state.

Common facilities: While the law says that the housing units of a partially completed project cannot be handed over without giving the occupants access to common facilities, there have been several instances where buyers have to wait for long to be able to use common facilities.

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