Category: ‘Business Products & Services’

Benefits of Using Androidfor Your Business

July 28, 2016 Posted by admin

In our advance tech-world now, mobile phones improved a lot from big and heavy phones with an antenna to slim Smartphone with touchable screens. These Smartphone have two major competitors in the market which are the Android and the iOs from Apple. But, what made Android as more device friendly to many users? The Android developers are continuously updating their software and application to an up-to-the-minute technical necessity. They create diverse applications that will suit it every age level and reach all aspects of lifestyle.

Android keeps ahead in the competition with other operating systems because it is very handy to use. Android is free open platform and an open source solution for mobile devices packed with a complete software that boosts its demand.

Advantages of the Android App:

  1. High ROI and low investment – android definitely has lower barrier entry compared to other software out there. The stages of android involve; application development, app testing, and the deployment to Android app store.
  2. Open Source – you can get an open source development advantage from licensing, it is royalty free, and the best technology framework that Android community is offering. Its open source architecture allows you to interact with the community for the future enhancements of the android mobile development. This gives more great opportunities for developers to have bigger earnings especially to those handset manufacturers and wireless operators.
  3. Android is easy to integrate – if you are looking for a complicated technical customization and a web application integration or even an ordinary Smartphone application. Android is the best answer for you where the entire platform of the software is already prepared. Whatever your business is, you can integrate a mobile app to it that suits your business need. Simple apps in android that are commonly used in small businesses are Viber, WeChat, and Skype.
  4. Multiple channels – this is perfect for sales which can expand your marketing and your audience. Third-party applications can be used as your marketplace, or can create your own marketplace and sales channel. Android software freely allows you to build your own and publish it with your promotional strategy.
  5. Easy to adopt – anyone can create Android application if they want to under the permission of Java. This is since Android applications are scripted in the Java language thanks to the brilliant help of library sets. This simplicity became beneficial to all java developers.

Furthermore, Android applications provide an efficient solution for data securities with the help of EMM. Enterprise mobility management platform allows different companies to provide a productive, secure and excellent mobile experience to their employees. Its program enables the employees to use their personal devices to accomplish their work-related duties, while they separate their personal matters. Android for work is compatible with devices with 4.0 – 6.0 software that is now used by a lot of companies to enhance their employees’ access to work. Its program allows the user to seamlessly switch from their personal apps to their work apps whenever they need to. The data security is not a problem too since all the Android for Work devices are programmed with a lock screen, remote attestation services, disk encryption, and hardware-backed up a key store. This prevents the mobile user to install unknown apps and the need to configure.

How to raise a down payment for home loan in quick time?

September 22, 2015 Posted by admin

More than 80% of people face this challenge of raising the down payment money during the home buying process. This is due to the fact that even after detailed home loan planning sometimes –

  • The seller demands higher upfront payment
  • Cost of property increases
  • Property loan or house construction loan sanctioned is less than expected amount
  • Development charge on the property is more then what was initially demanded
  • Any one of the miscellaneous charges from amongst parking fees, society, light, water and electricity fees or parking charges, service tax or vat was not accurately known at first place, etc.

Hence, it is important for people to remain a little flexible during the home buying process.As far as possible,people must take help of realty experts from credible web portals like during the home buying, selling or renting process. This will ensure that the entire transaction is smooth, easy and hassle free and will get executed within short time. On the other hand, prospective home buyers or existing customers can also refer to ‘Home loan guide’ of to understand the following parameters associated with housing loans:

  • Interest rates
  • Eligibility criteria
  • Documentation process
  • Associated charges
  • Related terms and conditions
  • Ways to select the best lender
  • Things to be careful about during the loan application process
  • Importance of CIBIL score
  • Why and how the loans get rejected
  • Process to transfer the existing home loan to a new lender
  • Income tax benefits on home loans, etc.

Having said this here are some of the best means to raise down payment money for home loan in a quick time –

Provident fund

Anyone who has completed 5 years or more of continued service in one or across different organizations is eligible to withdraw provident fund (PF) money for making the down payment. Below are some of the other features that people need to be aware of before withdrawing PF for purchase or construction of dwelling unit:

  • Application has to be made on form-31
  • Withdrawal can be done only once in the entire tenure of service
  • Property must be in the name of self or spouse or must be jointly owned
  • Property must not be a joint property owned by anyone else in the family other than spouse
  • Maximum admissible amount is 36 times of wages
  • Withdrawal request must be made through employer
  • Declaration must be made in the obtained Preformat along with signed application

Loan against LIC policy

The next quick fix to counter the challenging situation of raising the upfront margin money for home down payment is by taking the loan against life insurance policy. People can get the loans against these policies at negligible interest rate of 9 to 10%. This is not; the interest paid on this amount is half yearly and there is no need for a monthly EMI. If people opt to take loan against LIC policy from Life Insurance Corporation of India then the terms and conditions are even simpler as:

  • Interest paid is the simple interest
  • There is no timeline of when the repayment needs to be made
  • Even if the loan amount is not fully repaid during the course of the policy, the payout can be adjusted against advance
  • Repayment can be made either in part of full, etc.

Both these means are the excellent way to raise down payment sum in quick time without much efforts and can be an excellent help in the home buying process.