Housing Loan Interest is expected Single Digits
Real Estate November 23rd, 2009
Minister for Public Housing (Menpera) Suharso Monoarfa expect if the interest rate housing loans to single digits. Thus, price becomes more affordable housing for people, especially those coming from the lower classes.
“High interest rate regime should be ended. High interest rates really have no cure,” said Suharso, during a visit to Seputar Indonesia Newspaper Editors, in Anex Building,
On the other hand, Suharso promised to try to lobby the relevant parties to interest rate loans from the banking world can be derived. In addition, housing and settlement sector must be able to contribute to economic growth quality.
In 2008, the contribution of housing and residential sectors recorded Rp137 trillion to the Gross National Income. “It’s contribution is still low because housing consumerate still seen as good, not a good investment,” he added.
Previously, the Ministry of Public Housing (Kemenpera) will change the pattern of the new subsidy policy will be directed through the provision of bank liquidity facilities or institutions that hold non-bank housing finance for low-income communities (MBR).
The purpose of the change in policy patterns in order to reduce the banking interest rates. The funds channeled to the banks were directed to reduce the cost of fund which is currently considered as the largest component in the high interest rates.
“I’ll not be so, because we give money with zero percent interest. Add the cost of risk and cost of funds was the collapse of the bank interest rate used approximately 6,5-7 percent,” he explained.
That pattern, he said, did not want to implement policies such as credit applications business people (KUR), which shed Rp2 trillion as a risk reserve fund of Rp20 trillion allocation of funds provided by banks, but using market rates.
Elegant Bathroom
Bath Showers November 23rd, 2009
ROOMS bath can be your place to relax, and make specific treatment. However, if you feel old bathroom need an update? That’s easy.
There are three ways to give updates on your bathroom. Large-scale renovation or remodel the entire bathroom design, renovation part, or just use the furniture as a decorative element.
If you do not want a large-scale renovation, you could use a renovation of part of it. “Renovation of part were such as only change one or two of the existing design. For example, replacing ceramic floor, ceramic walls, or paint the bathroom walls,” says interior designer Maya Pangestu. If you want a ceramic tile floor or bathroom wall a little different, try searching a different alternative than the old one. Ceramic wall which has a layer (glaze) is the right choice for your floors and walls because the layer can produce Antislip.
“Ceramics with Antislip coating is highly recommended, especially for the bathroom.’s Bathroom was always wet. Well, Antislip coating will keep you from slipping because of slippery,” explains Maya.
As for the walls, you can use porcelain tiles. Porcelain tile is made from the best clay and other natural minerals that can produce. In addition to using tiles, walls can also be slicked up with paint. Paint the bathroom walls painted a little different from other spaces, such as bedrooms.
When painting the bedroom, probably your first consideration is the color of the paint first. But when you want to paint the bathroom, which should be considered first is the size and moisture content of the bathroom.
Paint for bathroom walls must be absolutely waterproof, anti-fungal and antilumut, also must be resistant to temperature changes, especially from cold to hot. Sometimes, you also happy to shower using hot water instead? When you choose bathroom wall color, consider the main theme of the bathroom.
Paint the walls will look more attractive when adjusted for other color themes. For example items such as towels, display, or the bathroom floor is green, you can choose to paint the walls green gradasinya approached.
After choosing the main color, you can choose additional colors as the color characters. “Color is usually added to contrast with the main color, but still looks good when combined with the main color,” added Maya. Additional color contrast can make the room like higher if you use it with the line vertical position.
Choosing a cabinet cabinet can also make your bathroom more elegant. There are many antique cabinet cupboard very beautiful and suitable placed in the bathroom. This type of cabinet cabinets usually have a design aka high-end luxury, hand-made by skilled hands, using wood materials are strong and sturdy, and has an attractive finish with unique carved details. The price was quite draining bag. But as a long-term investment, not something wrong if you have it.
Caring for and Maintaining Outdoor Lights
Lighting And Electrical November 17th, 2009
Lights are installed outside the home (outdoor) is often overlooked. In fact, these exterior elements needed care and proper maintenance.
As the name implies, outdoor lighting is designed to be placed outside the home. In terms of the form is not much different, but the outdoor lights have staying power stronger than indoor lights.
“For outdoor lights placed outside the home that in fact often in direct contact with heat, cold, wet, dry, durability is designed to be tough against the weather,” says architect from Yogyakarta, Rena Elandra. According to the woman who likes this joke, from the physical aspect of indoor with outdoor lighting is usually no difference. Outdoor lamp is made with a good density in each gap is intended to avoid the rain hit.
“If there is an open model, usually either the lamp or electrical parts sealent closed,” he said. For example chandelier model with clamshell design that is often installed in the entrance facade. This lamp looks very fragile hold water. However, its bottom was designed to be resistant to water.
“Models open this lamp also usually easy to clean as often due to dust and water, lamp shells often dirty fast, so easy to clean without having to dismantle the lights,” he explained at length.
Which includes garden lighting outdoor lighting category, the design was adjusted to place the course in the park, such as paint, materials, and designs that are resistant to weather.
However, as a reminder, did not rule out even when installed in indoor lights outdoors or on the contrary, outdoor lights installed in indoors. Because basically a more decisive is the positioning of his design.
“Laying the outdoor lighting designs fit in the house is fine, the important thing is not to be funny, such as ordinary lamp standing in the middle of the park, but put in the corner of the house,” he said, grinning broadly. Essentially returned to power coherent artistic and appropriate match.
Bright Lights shop owner, Ronny Suparman, in the South Bekasi, Bekasi, said in line with Rena, “No problem if you dare to explore using outside lights in the house, an important match,” response.
Well, once you understand the difference indoor with outdoor lights, now we will discuss one by one trick and treating and in its layout. Caring for outdoor lighting (including garden lights) is not difficult, must be treated on a regular basis, ie, with clean shells.
“Like the classic style of garden lights, usually a meandering design, it is often kept dust and if the quality is not good paint will easily rust on the sidelines of storing water,” said Rena.
To open, so closing the access lamp bulb installation, clean the inside of the dust collected. “Most of the time the dust settles, be exposed to rain causing the black spots, it’s not hard to cleaning it, just need to wipe, but if allowed will reduce the lighting and the lights look so dull,” explained Ronny.
Outer shell parts, cleaned regularly. Moreover, the rainy season like now, right now, try two weeks. If it rarely rains, at least once a month according to the suggestions Rena cleaned and Ronny. metal parts, stainless-steel layers provide. “It could also be fitted before painted using oil paint, usually stronger on the water and heat,” Rena suggestion that this family has not confessed.
If already started to rust, should be repainted. Before starting to paint, open the light fixture and parts made of glass. If the glass is made permanent, do not lose your mind, use the cover of a newspaper, give the tape at the border of the glass with a metal (where you want to paint).
If the material is made of iron lamp chrome, there is no easy way you can do. The only way is to re, if you plan to change the look with the paint material, it will siasia. “Chrome layer can not be painted, for a moment would have to peel, especially if you hit the outside air, you should not me,” Ronny advice.
Bring the sound of water effects in the Garden
Gardening November 17th, 2009
AIR is the source of human life. In addition, water is also used as a complementary element for both decorative interior and exterior of the house in various forms. Moreover, the water that supported character has its own value.
Nirwono Yoga, the landscape architect has an opinion on the application of the water element in a garden. To harmonize, a garden can provide additional water at one with nature or the exterior of the house. In addition, paired with a garden around the house as a space-forming element (interior).
“Elements of water in a garden has a natural effect, relaxation, and visual.
Beautiful kitchen, Stay Functional
Kitchen November 11th, 2009
Look Like a beautiful kitchen makes the area the power of the mother is no longer secondary. Beauty kitchen with maximum efficiency function is an important essence of a modern dwelling.
Beautiful, functional, and friendly in the bag. Whatever the size of the house, there is always a solution to build a kitchen set. Want to show the classic kitchen set or a minimalist, here you go. According to Anna Hape, interior designer from Annahape Studio, current kitchen trend was still in between the classical and minimalist.
“You could say 50-50 trend, there are all kinds. More young clients choose modern minimalist, a more practical life, and a lot of time outside, demanding a practical kitchen tool,” says Anna.
Modern minimalist style puts emphasis on brevity and function. Minimalist design leads to a lot of geometric shapes by reducing the use of profiles that are not necessary. Physically, the shape is more square and rarely has the field of arch. As a substitute for solid wood material selected multiplex with melamine finish, duco, glass or lacquer.
“For the minimalist style, finishing it tends to be less strong. We recommend to the lacquer,” said a Shin, designer of the Swan Decoration. Lacquer finishing with a layer of plastic on the plywood kind will prevent damage to the wood. Age kitchen set can last for 20 years.
Modern minimalist style also allows the owner to give color to paint duco. Pretty colors like orange, yellow, and blue could be an alternative.
Beautiful kitchen set should not to look at it. Not being too beautiful, to be reluctant. Built in attached to the kitchen area provide for cooking and providing food perfectly. As high cabinets to the ceiling with special cabinets storage utensils, seasonings, stock food, cooking utensils, electronic equipment such as gas stove, microwave, refrigerator, toaster and even a coffee maker.
“The selection of the current variety, and can accommodate many needs. It could save cooking, food stocks, already the shelves for it, and put kitchen equipment such as cooker, microwave, far more developed,” called Anna.
To add a kitchen look beautiful, you can add a table island. The development of this model again because of the metropolis lifestyle. Limitations of land or a practical nature makes some people brought to their table to the kitchen.
“The table is used as a food, or function transferred to the dining room table island,” called Anna, an alumnus of the University of Atma Jaya. This model is adapted from the apartment. Island table has a special size that is higher than the surface of the desk kitchen set. Worn seat also tend to type a bar stool.
Adding a table on the design island kitchen set a few things. First, large kitchen. If the area of the kitchen and dining room, just better together. Especially for small families. With island table would be more practical and familiar.
Second, do not put too many accessories in this area. Better to let the look clean. The size is generally not wide and rather long. It must be troublesome when combined with a tablecloth, a vase of flowers or a bottle of ketchup and various sauces.
Accessory Law applies to all areas of kitchen set. If you want to add to the aesthetics of the room, you should hang a painting on the side of the area built in furniture. It’s good to play with decorative lighting. “It could for decorative lighting, lamps placed under the cabinet, floating impression,” Anna.
Beautiful kitchen must remain functional. Combining the functions of a dirty kitchen, clean kitchen and dining room in one area not to bother. Diligent, industrious cook, clean the furniture too diligent. Check the neatness of the kitchen set, do not be messy and even save the “danger” like dirt and germs. Because it was beautiful outside the absolute.
