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Home Loan Interest Rates – The Primary Deciding Factor For Your Loan

Opting for a home loan is one of the most important decisions of our lives. Before we can finalize a property, we need to be sure of the location, our budget, the financial leeway that we have, the kind of house finance we choose, the housing finance company that we select and a lot more. An important aspect when we’re choosing the funding for our homes is certainly the home loan interest rates. While home loan rates aren’t the only feature that we have to consider, we need to be certain that we pick an option that is the best for us financially.

The home loan rates in India differ from institution to institution and region to region. While we can’t exactly compromise on the quality and the standing of the bank/housing finance company, we can ensure that we get the best deal from the list of companies that we’re considering. It’s sensible to choose a financial institution that has years of market experience in the loan industry and still has comfortably adapted to the modern times. They would need to have a great relationship with their existing customers and ensure that they provide the best solutions for all their requirements. Despite all these qualities, they should also have competitive home loan interest rates that will be affordable for their customers and in line with current market trends.

The best way to find the ideal home loan rates in India is to compare several options. Always check all the existing alternatives before finalizing any one. Use those websites, which provide you with the ‘compare’ option to view all the benefits of the service. In addition to comparing the interest rates, you can also have a look at all the related pros and cons to be sure about your decision.

One needs to bear in mind that they undeniably have the option of negotiating with the bank. You can always discuss with the bank/financial institution for the ideal home loan interest rates in order to ensure that you’re not paying any more than you have to. The banks/financial institutions, too, know that negotiations are always welcome. Keep the dialogue open till you know that you’re getting the best rates of interest and then close in on the deal.

Finding the best home loan rates is no longer a daunting task that will consume a lot of time. Know everything that you have to just by browsing the internet from your home and finalize on the best home loan today – why wait?

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Story Telling in games

At the core of it, every art form is a medium for storytelling. Games aren’t an exception at any level. A good video game has a story at its heart that hooks us right into its world and makes us play it again and again. The narrative in it can be linear or nonlinear, overt or underlying, but the crux of remains the same and is the backbone of the game that maintains its structure. To be precise, the whole game is defined by a narrative and the events in it are goals, plans and emotions for players to psychologically invest in it. The industry is evolving by the day by focusing on the core storytelling and creativity while outsourcing the rest of the game development to game solution companies like RUBIXQ, where they create distinct worlds, engaging stories and interesting character design.

Unfortunately, most of the current independent games aren’t realizing the importance of a strong narrative in a video game. As the number of indie games being produced has skyrocketed in recent years, they are just relying on the visual appeal of a game and the instantly gratifying elements like thrills and violence sometimes. This may grab the players attention for a moment but it won’t involve them and make them intrigued to play any further.

Let’s see the what, why and how of the integration of a story in a video game works.

According to Aristotle, every story should have a beginning to introduce the characters and the world they live in, a middle to show their struggle and aim, and an end where they overcome their struggles and accomplish their goals. In a traditional video game, we might not be able to invest a lot of time for the beginning, so, the introduction of the characters and the world can be crisp yet memorable enough for gamers to etch the same in their minds.

There are different ways to achieve it.

A linear narrative with a straightforward progression from one stage to another in a series of steps where the story progresses from one event to another. In these kinds of games, there’s always little to no interaction with the story as players don’t get to make choices to change the direction of how the story plays out. Irrespective of the character design, it can just be completed in one way, the way a designer decides it.

Eg: “The last of us” on PlayStation, where an empathetic father has to save his surrogate daughter in a tense post-apocalyptic atmosphere amidst zombies.

Next is the string of pearls model, where the narrative is linear but the player gets to make his own choices like attire, weapons, vehicles and the key decisions to progress the game in a specific direction that can change the final outcome of the game. These games are made up of separate sequences in the form of missions or quests. Players can explore the world, influence the character design and have the freedom to participate in side quests. These types of narratives are usually found in role-playing games.

Eg: Raji, an epic adventure game based on Indian Mythology, where Raji’s objective is to rescue her younger brother and defeat the demon lord Mahabalasura.

The third one is the best of all, a highly thought out and well-built story, where every character in the game plays a major role in that world. Their character design and arc develop over time and their tasks hold greater importance in every stage of the game. Mostly these games are either made of a movie or adapted into movies later.

Nintendo’s Donkey Kong, for example, is a reputed game that had a story where players could see it unfold while they play it. Released in 1981, it changed the way industry looks at game development. They made sure that the whole story is simple enough to be told on screen and at the same time instantly grasped by players. This game uses scenes at the beginning to show how the ape escapes. Smaller animations and pop up texts are used to convey the plot of games, such as the ‘help’ speech bubble.

To sum it all up, the role of the narrative design in video games has changed. It’s time the developers provide context with story-based games, to give players a goal to achieve and a reason to play, instead of making games for the sake of swift revenue. Even indie games can be experimental in their game development without being afraid to try storytelling techniques as the players have gone from seeing a bit of story in the games to playing it for the stories and feel inclusive. To stand out among the rest and hook the audience, a game has to be an amalgamation of aesthetic, artistic and personal motivation. Maybe the recent success of Raji can bring a shift in the mindsets of game developers and the objectives of games.

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Home Loan Calculator The Most Useful Tool Offered By The Lenders Today

The technological advances today have made available several new benefits to the techno-savvy borrowers. The most popular and useful tool offered online is certainly the home loan EMI calculator. This tool is simply expected to calculate the periodical EMI. However, it performs many other useful functions to assist you in the process of opting for a home loan.

Most people merely wish to find out if they can afford to purchase a home in a certain locality. They can easily understand the kind of changes they would need to make to be able to pay the applicable EMI for the home loan tenure. You can also get an idea about the rough estimate of your regular EMIs without any trouble. Moreover, you can calculate the amount of principal and interest that you pay each month.

If you can foretell the other important expenses in your life, then you will know the modifications that you would need to make in your income and/or expenses. That’s an extremely important step to incorporate EMIs into your monthly spends. This tool allows you to do that without any help from a friend, financial expert or financial advisor appointed by the mortgage institutes.

A competent home loan EMI calculator simplifies the calculation process thus allowing you to understand how different interest rates and tenures can affect your monthly household income. There are several other details, however, that cannot be ignored. In other words, the home loan EMI calculation is just a part of the whole process. Though it is a significant part, there are other aspects that need to be taken care of as well.

The most useful tool is a housing loan EMI calculator; however, it’s not the only available tool for borrowers. People can use tools like the housing loan eligibility calculator, stamp duty eligibility calculator as well. The eligibility calculator shows you the amount of home loan that you can easily avail on the basis of relevant factors such as you and your co-applicant’s monthly income, applicable interest rate and the tenure that you consider for the loan.

The stamp duty calculator estimates the stamp duty amount that needs to be paid on the basis of the price of the property. These home loan calculator tools aid in the process of understanding the requirements well, gathering sufficient funds and ensuring that you can easily avail a home loan from a bank/housing finance company. No wonder the technology has accelerated the home loan process, in turn reducing the charges and fees considerably.

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