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All You Need to Know About 2 Wheeler Loan Finance

With growing demand in semi urban and rural areas, 2 wheeler industry is a high growth sector. The industry is estimated to be Rs.6, 000-Rs.7, 000 crore in size. This means there is abundant opportunity for 2 wheeler finance companies. There was limited awareness about financing for a 2 wheeler in the olden days but with the increasing penetration of financial institutions across the country, it has become possible to obtain 2 wheeler finance quickly and conveniently.

Getting 2 wheeler loan finance has become easy. The eligibility criteria, documentation requirement and the process has been mentioned below:

Eligibility:

Individuals above the age of 18.
Salaried individuals who have been employed for more than a year.
Business owners who are running a business for over a year.

Documentation:

Identity Proof
Address Proof
Income Proof
Valid KYC documents
Passport size photographs

Procedure:

In order to apply for 2 wheeler loan finance, the applicant needs to scout the market for various Banks and financial institutions offering the loan. Based on the terms and conditions of the respective financial institutions, the applicant should choose the one that suits his requirements. The application process is quick and transparent. The applicant needs to meet the eligibility criteria in order to apply for the loan. Further, the applicant needs to submit the application form and provide the required documents to the financial institution. The customer executives are friendly and will guide through the entire process of application. The application will be processed within 48 to 72 hours and the loan will be approved in no time.

It is advisable to seek a loan from a trustworthy financial institution. They offer flexible tenure and easy repayment options. With a low rate of interest and a flexible repayment tenure, purchasing a 2 wheeler has become quick and easy. Individuals with a positive credit history can get the loan approved quicker and are also eligible for the special schemes. Once the loan amount has been disbursed, it is not possible to change the tenure and amount, hence it is important to give the loan application a good thought and settle for a repayment tenure which is possible based on the monthly income of the applicant. Financial institutions offer customized solutions to the applicants based on their requirements. Depending on the type of 2 wheeler to be purchased, the loan amount will be sanctioned.

The applicant will only be required to pay a small amount as down payment and the balance can be converted into a 2 wheeler loan which is to be repaid in easy monthly installments. Upto 95% of the on road price of the vehicle is available as a loan to the applicant and the repayment tenure ranges between 12 months to 48 months. With the increasing demand of 2 wheelers across the country, Banks and financial institutions are offering loans which meet the requirements of the consumers and they also settle the terms accordingly.

How to Keep Your Car Interior Clean

If you take pride in your car ownership, you will certainly want to invest a little time and effort to maintain its all-round appearance. This will involve taking the necessary steps to keep the interior clean, tidy and dirt-free. Let’s take a look at a few things that can keep the car interior clean:

Collect trash

Keep a small trash bag handy to avoid a slow build up of unwanted mess in your car. Most cars don’t have a designated place to put the trash, so a conveniently place bag will ensure the trash is kept in one place and is easy to remove when necessary.

No food

A simple method to avoid the build up of mess in the car is to avoid creating it in the first place. Eating food is likely to be one of the major reasons that leads to unwanted mess and smells in the confined space of your car. Try to eat before taking a drive to maintain a much cleaner and fresher smelling car.

Use air fresheners

A simple method to keep the car smelling nice is to use an air freshener. It doesn’t take much for a car to start to get a little stinky, so the consistent use of fresheners will help keep the space smelling fresh. Also, the typical gas-station air fresheners aren’t very long-lasting. For this reason, it benefits to invest in few at once and replace them at regular intervals.

Vacuum as needed

Giving the car a good vacuum is one of the most basic steps to keep the interior clean and free of everyday dirt and debris. Use the vacuum as you preliminary step to get the worst of the mess out of the car before starting to work on the more detailed cleaning methods.

Stain remover

Leave a simple stain remover tool inside the car. This can resemble something as small as a pen and designed to stop a wide range of spills from becoming a permanent mark on your car. They are particularly good for food or drink spills, such as tea, wine, coffee, BBQ sauce, ketchup, tomato juice, etc.

Clean regularly

A regular car clean is the most effective way to stay on top of any potential trash or dirt issues. If trash is left behind after a meal or dirt from your shoes is left to build up on the carpets, the interior will soon become a very unattractive mess.

5 Things You Must Do With a Log Cabin In Winter

Log cabins are probably the most popular trend in real estate today. People are in love with these gorgeous dwellings, especially as the McMansions that are so common continue to spread across the country. Who wants to live in something so cheaply made, especially when it looks exactly the same as every other boring house on the block?

But one of the drawbacks about log cabins is that they do require more maintenance. It is worth it, especially when considering value and permanence. After all, a log cabin can last for generations, where a cheaply made house can fall apart before the mortgage is even paid.

Here are five things you must do with a log cabin in winter to keep it in tip top condition.

Inspect The Outside

The outside of your cabin is where problems are most likely to occur. Weather can seriously wear down the condition of the outside and in areas where the climate is more extreme it is worst. Damp is especially bad for wood, which can rot or warp, though sunshine can cause cracks and dryness in the logs.

Every new season it is important than you do an inspection to make sure there are no impending issues that could cause problems. For instance, you might notice a thumb sized area of one of your walls it soft and presses inward. This is a sign of rot and once it has started it can quickly grow out of control. Or maybe you see a plank that has bulged out. This is wood warping, usually caused by moisture behind the wood that has caused it to expand outward.

Catching these things before the snow falls makes it easier to replace or repair anything that needs to be, It also gives you a chance to restain, something you should do to the wood every three to five years.

Inspect The Inside

Once the outside is secure it is time to go inside to see what might be done there. A log cabin is pretty solid and cozy, so hopefully you won’t run into any issues. But there are some that are possible to come across so you should always be vigilant in your inspections.

The first problem to look out for is signs of pests. As the weather turns colder, different creatures are going to seek shelter from the chill. Mice, insects, spiders and even small mammals like raccoons could be trying to find a way into your home as you read this. Once they get in they can wreak havoc, especially those that have burrowed into the wood like termites. They can cause damage to your house, due to scratching, biting, burrowing and waste.

Look for any signs of these critters. Go to the smaller areas of the house, like dark corners, unused rooms, closets, basements, attics or crawlspaces. Put a couple of barrier methods around your house to prevent anything from crossing over.

If you do find signs of an infestation, either bug bomb/spray yourself, or contact an exterminator who can lay out traps or fumigate for you. The sooner in the season you get it done, the better.

Pre-Spring Clean

We have all heard of Spring Cleaning, but Pre-Spring Cleaning may be even more crucial. If your house isn’t ready for the winter it isn’t ready for you to settle in and be comfortable during the frigid months ahead.

This includes removing all dust, mold and dirt from inside your home, freshening rooms that aren’t as commonly used, cleaning carpets or polishing hardwood floors, storing items for warmer months and cleaning/preparing ones for the colder and opening the chute to your fireplace and making sure it is clean and ready to go.

This might seem like a lot of work, but it is going to ensure your winter is a wonderland and not a nightmare.

Clean and Cover Gutters

Your gutters are going to be a major source of problems if you don’t get them regularly cleaned. When they back up with debris it allows rain and snow to gather and overflow, or to stay stagnant and rot the wood of your log cabin until it is cleared out. You want to make sure that never happens and so clean them out every few months.

For winter you won’t want to go out on a ladder and risk falling in the ice. So you should clear them at the beginning of the season and making sure there are no leaves still on trees nearby where they could drop in.

To keep any further debris you can get gutter covers. These little marvels allow you to snap them over the top, some magnetically and some using little clasps. This keeps things out and protects them through the winter.

You can also add an extender to the drain pipe. It will send water further from your home and keep water from building as the base of your log cabin, where it can damage the wood and foundation.

Weather strip Your Log Cabin

Want to keep cozy as the weather gets colder and colder? Stopping leaks and drafts is a good way to do it. Weather stripping will trap hot air in your home and keep it from letting out through cracks under the doors, around windows and even through your chimney, attic or basement.

You can hire someone to do it for you and it can be worth the extra cost to really seal things in. But weather stripping is also a DIY project that is pretty basic for most homeowners. You can find materials and kits online or at your local hardware store. The average cost is around $200 – $300 for an entire house. This can be more or less expensive, depending on if you do it yourself or hire someone to weatherize your log cabin for you.

All in all, it is worth putting in the effort to make sure your log cabin is well protected through the years. Especially through winter, when wood can be damaged the most.

The Pineca.com is a well-known manufacturer of wooden garden buildings. This family business concentrates not only on a high quality production, but also on a happy customers. Visit their website and find out more!

Some of the Biggest Mistakes When Looking For a Motorcycle Loan

The Essentials in deciding On Motorcycle Loan.

Sometimes the necessity or excitement of owning a motorcycle cast a bad spell on our buying decisions, especially when the purchase form is a loan. So, before making that impulsive mistake only to regret later consider these essential factors when deciding to apply for a motorcycle loan.

  1. Interest Rates:

The moment you think of a loan, the interest rate coupled with it should ring a bell. Most often attract interest rates over shadow the risk factors involved. Always begin with good amount of research and comparison of interest rates. You do not want the burden of high interest rates steal the joy of riding your new bike!

  1. Smart negotiation:

When you are about to make a purchase decision, do not merely focus on the form of payment and negotiate on how you intend to go about it. A smart negotiation effort would include, negotiating on the payment. Payment always precedes the payment method!

  1. Loan Inclusions:

Discuss with the lender all the accessories that the loan is inclusive off. You do not want to pay additional bills besides paying off your loan. The wiser discussion and decision would be to know about the inclusions and the exclusions of the loan you have applied for.

  1. Loan security:

Always consider what is at stake should you face difficulty in paying off your loan. Some lenders hold the purchased motorcycle as the security, failing to pay will mean ceasing your bike. Some other lenders may consider other collaterals as security. Unsecured loan plans are other alternatives but comes with a high cost of increased interest rates. So, your loan security should be well thought through deliberate decisions considering all the risks involved. You do not want to risk something in vain!

  1. Loan penalties:

Pause before you sign your loan agreement. Although knowing the details of the penalties tailed to your loan amount can be cumbersome and you want to skip through it, it may not be the best of your decision. At best, avoid signing loan agreements that come with stringent penalties. A decision in time, saves you from a future disaster!

  1. Easy loan termination:

Most lenders allow early clearance of your loan and some do not. It is best for you to verify the termination policies before you sign that loan agreement. You do not want to pay with interest rates, while you own the money to clear a credit.

Owning a motorcycle is useful as well as exciting, but what is more important is sustaining both while using it. Using the right loan tailored to your needs is worth every effort.

Using Microfiber Cloths for Car Detailing

Microfiber is a very practical cleaning material that is common in a wide range of industries. It is made from man-made materials like finely woven polyamide and polyester fibers. The fine polyamide is appreciated for its ability to create a great softness, while the polyester helps to provide its strength and durability. By combining these materials, it is possible to create something that is able to easily stand up to hard-wearing use and a great option for waxing or detailing a car.

There are several types of microfiber cloths, pads and mitts that can be used in the process of giving the car a very good clean. Here are a few of the different options:

General purpose

The most common type of cloth is created with a standard terry cloth weave that is a combination of 80% polyester and 20% polyamide. This is a great all-purpose option and useful for wiping leather, plastic, vinyl, glass and paint. Also, it helps to have a relatively good thickness for this cloth.

Glass and polishing

The preferred cloth for a lot of glass cleaning and polishing work is certain to be 100% lint free. It will have short naps compared to the general cloth, but must still offer sufficient scrubbing power. This cloth must be able to remove streaks or other marks left by water. Also, a microfiber cloth with no edge is a great choice because it will minimize the risk of scratching a delicate surface.

Drying

The preferred options for drying include the microfiber cloths with a waffle or terry cloth weave. Cloths with a very short terry loop are practical for drying. It is best to avoid cloths with a plush, heavy nap because it will be difficult to wring out in the event of getting wet. The waffle and terry cloth are both great at absorbing water, but the waffle pattern is just a little more effective at holding water longer to limit the number of times it becomes necessary to wring the cloth out.

Cleaning

The microfiber options for cleaning have a very course and tight nap with strands that aren’t split. This type of cloth isn’t intended to give the most reliable option when it comes to soaking up water. It should be used for basic janitorial work and not the fine car detailing steps. A few of the good options include the polishing and waffle weave cloths for this work.