The Government of India has extended the coronavirus lockdown for the fourth time in the country. Coronavirus lockdown has certainly hit the normal expenditure of an individual who has a home loan to reimburse. A 3 months lockdown has already affected the country so much with regards to economic and financial conditions that another period of lockdown may create more worries and financial stress among the public. The government has allowed banks to be operational at the time of this crisis, and they are working for a couple of hours every day and have enormous money to provide loans to the customers. Still, due to coronavirus pandemic, most of the customers are hesitant to step out of their homes. Also, in most of the banks and other financial institutions, loaning activities are not entirely digitized.

This pandemic is acting as a wakeup call for the organizations whose digital operations were working too slow. They are now digitizing their operations and working on zero-contact operations. While the Reserve Bank of India and the Government of India have approached to safeguard people by permitting EMI moratorium on the term loan and partial withdrawal from the EPFO, it may not be sufficient for all or probably won’t be pertinent to all. If you don’t pay the next two monthly installments (EMIs) of your loan, you won’t be blacklisted. However, the bank will charge interest for the unpaid sum. Missing two installments could boost your investment by 6-10 months or increase EMI sum by about 1.5%.

Despite the fact that the points of interest change across banks, borrowers have been given these three choices by loan specialists-

Choice I: The borrower can make a one-time installment in June of the interest that accumulates in April and May.

Choice II: The interest is added to the outstanding loan which will build the EMI for the rest of the months.

Choice III: The EMI is kept unaltered yet the loan tenure is broadened. The quantity of extra EMI will depend on the tenure of the loan.

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In many ways, an architect is much like a painter due to the fact that they are required to first of all have visualisation in their mind before they can put it into action. They are sometimes thought of as people who only design buildings, yet in reality they are often the brains behind some of the most creative and imaginative creations the world over.

In fact, architects have their rightful place in the history books if they are the people that designed some of the most recognisable landmarks in the world. When you think about the Leaning Tower of Pisa, the Eiffel Tower and of course Big Ben in London, each of these had an architect behind them and each of these iconic structures are known worldwide as unique.

You may think that becoming an architect sounds like a very exciting prospect and whilst it can be a very high paid position unless you hold the ability to be part designer, another part engineer, can be problem solver and have a very artistic frame of mind it can be a very difficult career choice. You would need to also have a very high degree of determination and passion to be a success.

You would also need to keep on top of all of the latest materials that you can make use of during any proposed build as well as any new construction methods. Good interpersonal skills are also a must as you will always be working alongside teams of other architects, engineers and workmen on each of your constructions.

What exactly do they do?

An architect will work very closely with the client in the planning stages of a construction, with the client making it clear what he would like. The architect would then go away and draw up some initial plans before meeting again with the client. The client would then approve the plans or request some changes, with this process going on until the client is fully happy with the designs. The designs would have to take into account the budget set for the construction as well as aiding the client with any planning permissions.

Once the construction is underway, the architect would be required to make very frequent trips to the site to ensure that the workers are completing the project exactly according to the plans.

A junior architect will initially work alongside other more established architects before being able to take on projects for themselves. Once an architect gets a few buildings under their name, the jobs will roll in a lot quicker. In many cases the mere mention of one previously successful building will be enough to get an architect a new contract elsewhere.

These days for local and residential projects such as architects projects in Lincoln, you can also employ the services of architectural consultants who will be more likely to specialise in home builds and self build projects with expertise in planning regulations and other services.

Choosing the best business VoIP system for your business takes a lot of research for the IT and communication department. This includes understanding the hardware requirements of each of the user, determining the cost estimates of each number and all the extensions, feature requirements of all the users and other crucial aspects.

Business requirements

Determining the requirements is the basic criteria while shifting to VoIP for choosing the best business VoIP for your business. Each user may have different requirements when coming to communicating in business. One all the requirements are known, it will be easier to determine the best features required for the business VoIP.

Affordability

There are numerous VoIP providers in the market, which are providing business VoIP services at a competitive cost. The costs range from $4.99 – $29.99 per month for per user/extension. As the charges can be more for the most robust features, businesses must determine which features they can afford while providing the best-suited price for their business VoIP.

Justifiable pricing and features

It all makes sense when the features are just ideal for the business with a price that justifies its cost. Paying more for the features your business does not even need is a sheer waste of business funds. Business VoIP providers have various plans that vary according to the different features in that plan. You need to choose the best-suited one for your business according to the price and feature it offers.

Compatibility with business

Choose a business VoIP plan that is compatible with the existing functioning of the business. This does not mean that the business needs to change its entire communication system, which can alter their working environment. While changing the business communication process you also need to consider that the shift should not obstruct the working place environment. While shifting to business VoIP, the communication system must be compatible with the business environment while also keeping up with business communication needs.

On the other hand, doing a small research helps you get the best solution for your business.

Researching the various business VoIP providers before choosing one can assist in solving various issues, which are facing by the users. A clear understanding of the user’s requirements, challenges and the “must” feature that the users’ needs while communicating with clients externally and coworkers internally.

The researcher or the IT department can be sure about the VoIP provider by asking the below set of questions to the business VoIP provider. This will assure the business, about the services of the provider and assist in choosing the best-suited plan.

Ask the below questions to your VoIP provider which will assist in finding out more about your business requirements and the plans which will suit your business the most.

What features does the selected plan include?
Are the features customizable?
Extra costs like setup fee, cancellation charges or any sort of contract.
Will the support be 24×7?
Robust features like international calling, forwarding, and extensions availability.
What would be the integration platforms and reports processing?
What features will be included in the trial period and the process of it?
How does the billing process work and the plans they offer?
The above-mentioned are just examples of the questions you would ask the business VoIP provider. The questions may vary according to the requirements of the business. You must make sure that you cover all the angles from the business point of view.