COVID-19 Derails Affordable Housing Growth in 2020

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Your credit score can influence your ability to take out a personal loan.
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This is because lenders look at your credit score to determine if they should lend you money or deem you ineligible for a personal loan. With this in mind, you should learn the difference between a good, average and bad credit score, and how it will affect your ability to secure a personal loan.
What’s Considered a Good, Average or Bad Credit Score?
Your credit score can either positively or negatively impact your chances of securing approval for a home loan, personal loan or credit card. Regardless of your current credit rating, you want to aim to have a consistently good score. But what’s a good, average or bad credit score?

Good credit score: A good credit score is generally between 622-725. 
Average credit score: An average credit score falls somewhere between 510-621.
Bad credit score: A bad credit score is generally a rating of 0-549.

Depending on your credit reporting agency, your score will be calculated at a number between 0 and 1,200 or 0 and 1,000. The position of your credit score on this scale will help lenders determine how risky it is for them to lend money to you.
Can You Get a Personal Loan with a Bad Credit Score?
Many people may wonder if they’re still able to secure a personal loan with a bad credit score. While it is possible, in most cases a bad credit score will significantly reduce your chances of approval when applying for a personal loan. When you apply for a personal loan, the lender will examine your credit score to determine the risk involved in lending you money. Things that may deem you ineligible for a personal loan include:

Bankruptcy
Debt agreements
Defaults
Writs, summons, and court judgments
Late and missed payments
Multiple credit inquiries.

Bad credit and the above risk factors can reduce your chances of obtaining a loan, but it doesn’t mean all options are closed to you. In the case of personal loans, some Australian lenders specialize in offering to finance borrowers with an average or poor credit history. It’s also possible for you to repair your credit history and improve your chances of getting loan approval. 
How to Improve Your Chances of Getting a Personal Loan
Managing your finances effectively and paying bills on time is your best chance of improving your credit score and your likelihood of securing a personal loan. If you have a bad or average credit rating, it can be very difficult to obtain finance. But the good news is, the rise of alternative and online lenders means that those with a less-than-perfect credit score have a chance of successfully applying for a personal loan.
While it’s always best to maintain a good credit score by being consistent with payments, it’s good to know that achieving your dreams isn’t entirely out of reach if you have a bad credit score. Just remember to use a reputable registered credit provider and keep in mind that because you have bad credit, the lender may charge you a higher interest rate on money that you borrow.
How Will Getting a Personal Loan Impact Your Credit Score?
Before you apply for a personal loan, there are a couple of things you should be aware of. Getting a personal loan can impact your credit score in a positive and negative way, depending on your ability to meet payments.
How a Personal Loan Positively Impacts Your Credit Score? 
If you have previously been approved for a personal loan and paid off that loan in time, that’s a good indicator that banks will lend you credit in the future. Prompt repayments add to the credibility of your character in a loan application and are positively reflected in your credit report. 
Since 2014 in Australia, credit reports disclose both ‘black marks’ and positive information, which includes early or prompt payments. To ensure you keep a good credit score when taking out a personal loan, make sure that all repayments are made on time or have someone with a good credit rating co-sign a personal loan with you to improve your credit score and reputation.
How a Personal Loan Negatively Impacts Your Credit Score?
If you take out a personal loan and regularly miss payments, fall behind in your repayments or accrue excessive interest, this can hurt your credit rating. Your credit report will also show all loan applications or inquiries you’ve made in the past five years. If you make a lot of inquiries on your personal loan, then your credit rating will be lowered, and any future applications may be disapproved.
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Glass pool fences are one of the most popular styles of pool fencing on the market, and it’s easy to see why.
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They are modern, elegant, and offer unobstructed views of your pool area. But, did you know that there are different types of glass pool fences available? 
Depending on the size and shape of your pool, the layout of your outdoor area, and the end result you have in mind, you can choose to install either a framed or frameless glass pool fence. 
Either type has its own pros, and both equally serve the purpose of protecting you and your family around the pool. The question is — which one should you choose for your situation? 
Framed Glass Fencing
Framed glass fences are perhaps the most common glass pool fence among pool owners due to its traditional appearance and versatility. These types of glass pool fences consist of standard glass panels that are secured in place with stainless steel posts. These posts are typically embedded deep into the ground to ensure maximum sturdiness and stability. 
Installing a framed glass fence usually starts with the positioning of the posts, and is then followed by the mounting of the glass panels which are slid into place. Finally, a top bar is added to make sure the fence is locked and tightened. 
Pros of Framed Glass Fences

Regardless if you choose framed or frameless, glass pool fences are made of durable tempered glass. This means they’re not easily broken. On the off-chance it does break, it won’t shatter into dangerous shards. Rather, it crumbles — making it a safe material for around pool areas. 


Generally, framed glass fences are more affordable. If you’re on a budget, then you should definitely take this into consideration. 


Framed glass fences have no horizontals, meaning you get a clean and harmonious appearance.

Cons of Framed Glass Fences

Framed glass fences give a good view but aren’t completely unobstructed. There are noticeable posts between the glass panels that can disrupt the view.


Framed glass tends to be a thinner glass material than frameless glass pool fencing. But while it is thinner at around 8mm or 10mm, it still complies with Australian safety standards. 

Frameless Glass Fencing
For anyone looking for a more modern and sophisticated glass pool fence, frameless is a great option. Frameless glass pool fences offer the same sturdiness and security as framed glass, but with a more seamless appearance. This is because there are no steel posts between the glass panels. 
Frameless glass fences consist of toughened glass panels that are held in place by stainless steel spigots that are either drilled and mounted onto a base or cemented into the ground. The result creates the illusion that there isn’t any fence at all. 
Pros of Frameless Glass Fences

Frameless glass fences have no steel posts, offering an ultra-modern, clean appearance and completely unobstructed views. 


Because there are no gaps or posts to serve as footholds for children or pets to climb over or squeeze through, frameless pool fences are a lot safer. 


Uses 12mm thick toughened glass and non-corrosive steel fixings to withstand all types of weather and physical impacts.

Cons of Frameless Glass Fences

Generally, frameless glass pool fences are more expensive than framed glass fences. However, they do tend to last longer due to the lack of maintenance or repair costs needed that you’d otherwise encounter with framed fencing. 


There is the remote possibility of someone running into the frameless glass fence and injuring themselves since it is very clear and can look like there’s no barrier or fence there. However, this can be resolved with a safety sign or strategically placed lighting. 

Which One is Best for You?
When it comes down to it, the choice between framed and frameless is entirely personal. Both options provide strength, security, and safety and are a more sophisticated option to other traditional styles of pool fences.
If you have smaller yard space, then frameless may be a good option as it helps to make an area appear larger. For those who like the more conventional style, a framed glass pool fence can serve you well. Your budget may also play a role in deciding whether to go framed or frameless, as well as your end design goal or existing home and lifestyle. 
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RBI’s latest announcement of a massive repo rate cut of 75 bps coupled with three months moratorium of EMIs on all outstanding loans is the biggest move that India has so far made to counter the COVID-19 fallout. 
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The move will push credit flow into all industries reeling under the impact of the coronavirus. 
The repo rate cut will I fuse cash flows into the system and ensure that consumption disruption is minimised. 
It will effectively benefit all sectors, including real estate. 
Given this time period, RBI will ensure that the benefit of the rate cut is directly passed on to actual consumers, which could eventually translate into more home loan takers. 
Additionally, this move of the RBI encourage banks to lend more and also enable industries to borrow.
The moratorium of three months of EMIs on all outstanding loans will be a major relief to all concerned stakeholders, including home loan borrowers and developers. 
Developers now get breathing space to get their financial act together, at least for now. 
Moreover, the fact that non-payment of EMIs will not cause loans to turn bad is a major relief.
All in all, this big-bang announcement by the RBI will benefit all industries in the country, and is undoubtedly the most convincing intervention yet to tame a major economic crisis in the country.
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Residential sales stood at 45,200 units in Q1 2020 against 78,510 units in Q1 2019 across top 7 cities; quarterly drop of 24%
Nearly 41,200 new units launched in Q1 2020 against 70,480 units in Q1 2019; min. 21% q-o-q drop in new supply
Hyderabad sees highest yearly drop of 50% in residential sales – from 5,400 units in Q1 2019 to approx. 2,680 units in Q1 2020; other cities witness similar declining trends
For new launches, MMR & Pune record maximum y-o-y drop of 61% & 56% respectively; Chennai & Kolkata’s new launches increase by 16% & 8% respectively
Despite the gloom, developers able to shed their unsold inventory by 3% y-o-y - from 6.65 lakh units in Q1 2019 to 6.44 lakh units in Q1 2020

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Mumbai, 26 March 2020: As anticipated, the Covid-19 pandemic had considerable impact on the Indian housing sector. Residential sales saw a 42% y-o-y drop in the first quarter of 2020, reveals the latest data by ANAROCK. In Q1 2020, residential sales in the top 7 cities stood at 45,200 units, against 78,510 units a year ago. On q-o-q basis, housing sales fell by 24%.
Meanwhile, new launches too fell by 42% annually - from 70,480 units in Q1 2019 to approx. 41,200 in Q1 2020. Q-o-q supply also declined by approx. 21%. Yearly trends indicate that MMR and Pune recorded the maximum y-o-y drop of housing supply - by 61% and 56% respectively - while Chennai and Kolkata actually displayed positive trends with nearly 16% and 8% yearly rise.
Anuj Puri, Chairman – ANAROCK Property Consultants says, “Given the ongoing global healthcare calamity, it’s no surprise that housing sales and new project launches across India’s top 7 cities decreased both on yearly and quarterly basis. As expected, monthly data trends reveal that March – the month when most advisories and lockdown were imposed - saw a steep decline in both new launches and housing sales against the preceding two months.”
“The Government has taken an inarguably necessary hard-line stance to curtail the spread of the virus. The lockdowns have stalled construction activity and will lead to project delays in the future, but this is a reality the sector must accept and live with.”
Perhaps the only silver lining is that developers were able to shed nearly 3% of their unsold inventory in a year – from 6.65 lakh units in Q1 2019 to over 6.44 lakh units in Q1 2020. On a quarterly basis, the decline was just 1%.
New Launch Overview - Q1 2020
The top 7 cities saw around 41,200 new units launched in Q1 2020, as opposed to 70,480 units in the corresponding period of 2019 and 51,850 units in Q4 2019.
The key cities contributing to new unit launches in Q1 2020 included MMR (Mumbai Metropolitan Region), Bengaluru, Pune, and NCR - together accounting for 80% of unit additions.

MMR saw the launch of approx. 10,480 units – a decline of nearly 25% from Q4 2019. Over 69% of the new supply was in the sub INR 80 lakhs budget segment. Last year in Q1 2019, new launches stood at 26,850 units – a yearly decline of 61%.
Bengaluru added approx. 8,600 units in Q1 2020 - a quarterly decrease of 18%. Over 87% of new supply was in the sub INR 80 lakh price bracket. The city’s yearly decline stood at 5%.
Pune added approx. 7,790 new units in Q1 2020, compared to 9,550 units in Q4 2019 - a drop of 19%. The new supply a year ago was approx. 17,520 units – a decline of 56% y-o-y.
NCR added approx. 6,190 new units in Q1 2020, a quarterly decrease of 22%. Approx. 64% of the new supply in this quarter was in the affordable segment. Last year, the new supply was 8,030 units in the same period.
Hyderabad saw new launches drop by 11% over the previous quarter, with approx. 3,380 units launched in Q1 2020. The yearlydecline was 30%.
Chennai added approx. 3,680 units in Q1 2020, a quarterly increase of 8% over the previous quarter. Interestingly, on yearly basis, it saw a rise of 16%.
Kolkata added only approx. 1,100 units in Q1 2020 - a significant decrease of 59% over Q4 2019. Approx. 52% of new supply was in the affordable segment. However, on yearly basis, new launches increased by 8%.


Source: ANAROCK Research
Housing Sales Overview - Q1 2020
Around 45,200 units were sold in Q1 2020 – a significant decline of 42% y-o-y, and of 24% over the preceding quarter due to the COVID-19 pandemic. NCR, MMR, Bengaluru and Pune together accounted for 84% of the sales in the first quarter of the year.

Kolkata recorded a significant drop in sales in this quarter as compared to the other top cities. City sales decreased by 25% - from 3,260 units in Q4 2019 to 2,440 units in Q1 2020 - a significant drop of 39% in a year.
MMR and NCR also recorded a significant decrease in sales in this quarter vis-à-vis the other top cities. Sales in both regionsdecreased by 24% each over the previous quarter, clocking in at approx. 8,150 and 13,910 units respectively. As compared to previous year, housing sales in MMR reduced by 42% and by 41% in NCR.
Sales in Bengaluru, Pune and Hyderabad decreased by 23% each over the previous quarter, with approx. 8,630 units, 7,200 units, and 2,680 units respectively. On yearly basis, the decline in the three major IT hubs stood at 45%, 42% and 50% respectively.
Chennai saw sales of approx. 2,190 units - a decline of 21% over Q4 2019, and by 36% annually (since Q1 2019).



Unsold Inventory till Q1 2020
With new supply and housing sales remaining subdued in the quarter, unsold inventory saw a marginal decline of 1% on a quarterly basis - from 6.48 lakh units in Q4 2019 to 6.44 lakh units by Q1 2020, and 3% y-o-y - from 6.65 lakh units in Q1 2019 to 6.44 lakh units by Q1 2020. 
Bengaluru and Kolkata witnessed the highest yearly reduction in unsold inventory with 6% each from Q1 2019 to Q1 2020. However, unsold inventory increased by 10% in Chennai in the same period.

Price Movements
Residential property prices across the top cities remained stagnant in Q1 2020 over the previous quarter. On yearly basis too, there was no price movement.

 Source: ANAROCK Research 
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With huge apartment developments becoming the housing norm all over the world, an outside glimpse of the property now usually gives away nothing about the interior.
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To the untrained eye, it’s just another towering building popping up in your city; but to anyone who's had the pleasure of going inside, modern apartment design now packs a wow factor that is hard not to be awe-struck by.
Property development has gained a lot of traction over the past few decades, and with developers now able to access modern new designs and technology, our apartments are becoming places of luxury. By working closely with architects and interior designers, developments all over the world are now offering state-of-the-art facilities, community-focused events and eco-friendly adaptations to their sites.

With big property, comes big competition, and staying abreast of the current property development trends will ensure your property development business is always a step ahead. So, what are the top trends for apartment living in 2020? 
Incorporating Biophilic Design
The word ‘biophilic’ means ‘love of nature’ and is a concept that focuses on our human attraction to nature, as well as natural processes. Introducing garden installations, green walls and plants into development designs allow residents to feel they are connecting with nature, even if the development is located in an urban area. 
For those living in the city, they often find ourselves surrounded by walls of concrete and steel, whilst parks are few and far between. Incorporating biophilic design into development projects creates a positive reaction for homeowners and visitors, helping to create a harmonious environment that nurtures productivity and relaxation. 
Kitchen-free Apartments
Back in the early 2000s, we giggled at TV shows where the main character was depicted as using their oven for storage, rather than using it for cooking. Enter the 2020s, and we’re considering that this might actually be a good idea!
With the rise of food delivery services, more and more people are opting to cook less at home and live entirely on the convenience of UberEats and MenuLog (or meal-prep delivery services like YouFoodz and MyMuscleChef). A popular trend that has risen from this phenomenon is getting rid of the kitchen in apartments altogether. Statistics show that kitchenless apartments may be the norm by 2030 if the current trends of food delivery continue as they are. 
Optimizing for Elderly Residents
We often associate the development of new apartments with young couples or smaller families, however, the older demographic is still too important to overlook. Not only is modern infrastructure convenient for Millenials, but it’s even handier for seniors and retirees. 
Additions like modern lifts make it easier for the elderly to achieve a sense of independence, whilst recreation spaces within the development help foster social connections they may not otherwise have the opportunity to maintain. 
With strata or ongoing developer upgrades, regular lift maintenance ensures the elderly are able to get out more and enjoy the most of their home and their well-earned free time. 
The Rise of Micro-apartments
A very interesting trend that has come up in recent years is co-living. The concept is that each resident has a single room within the one building, with common areas and a community manager to keep the place running. 
It’s no wonder this idea has taken off, with social, housing and expense needs all handled within the one space. This is a great idea for those who are lonely, like to live with others (but have grown out of a sharehouse), but who still want to maintain a sense of independence. 
Resort-style Amenities for Occupants
There’s nothing more luxurious than going to a resort, but imagine if your apartment complex came with resort features right at your doorstep? Many developers are opting to have a dual property with permanent residents and hotel visitors all in one. 
Contemporary hotel and home in one! We’re already dreaming of the cabanas by the pool and function hires spaces such as theatrettes, games rooms, and outdoor BBQ areas. 
The beauty of this approach is that residents are free to enjoy resort-style facilities all year round, whilst hotel visitors can get a sample of luxury apartment life during their stay. 
The Future of Apartment Developments
Long gone are the days of a shoebox apartment with bland walls and even blander carpets. Apartment living has now become sophisticated, community-oriented and inspiring. Property developers are wise to take note of these inclusions and work with third-party contractors to help create the best spaces for future apartment owners and renters. 
More than just a place to live, occupants are looking for housing that involves more than just a roof over their heads. 
Social activities, gardens, communally shared eco-vehicles and other inclusions that make their lives more convenient are making their way towards the top of their lists. It’s clear that we’re not looking for just a home anymore, but an entire experience or overhaul of our lifestyles.
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