3 Things All Smart Home Buyers Do


There Is No Denying The Fact That Home Buying Is Emotionally Gratifying. In Fact, We Will Not Be Exaggerating If We Said That More Often Than Not, The Purchase Decision Is Emotional Than Rational. Many A Time, We Are So Moved By The Rush Of These Emotions That We Enter The Territory Without Doing Any Prior Preparation. Even If Everything Turns Out Alright In The End, The Process Is So Harrowing For A Naïve Buyer That He Is Left Feeling Wearisome For A Long Time. This Buyer Also Runs The Risk Of His Investment Turning Bad In Case Due Care Was Not Taken While Carrying Out The Transaction. The Truth Is That Smart Property Investments Are Made With A Calm And Composed Mind. And, To Be A Smart Homebuyer, One Needs To Possess Certain Traits.

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Keep Calm

It May Have Taken You Just A Day To Decide That You Want To Buy A Property. However, To Make This Happen, You Have To Work Slowly And Steadily Towards The Goal. Being In A Hurry Could Be Sinful Here. Take A Moment And Think, You Possibly Take Hours And Hours To Select A Perfect Shirt. Sometime Later, You Start Discovering Certain Imperfections In This Particular Piece Of Cloth Which You Bought After Much Diligence And Hard Work. You Might Feel Slightly Foolish About Not Being Able To Find The Fault When You Should Have. But, In A Matter Of Days, The Matter Would Be Done With And Forgotten. The Same Is Not True Of Home Purchases. This Is Possibly The Biggest Investment You Are Going To Make In Your Entire Life. You Cannot Afford To Find Faults After The Deal Has Been Sealed. While It Is Always Possible To Sell Off A House If You Are Not Happy With It, The Whole Process Is Just Too Tiring And Harassing. You Would Like To Make It Perfect In Your First Attempt. To Do That, The Trick Is, Never Be In A Hurry. It Might Take Years Before You Are Able To Find A Suitable Property For Yourself.

Accept Challenges

Chances Of You Turning Out To Be A Smart Buyer Are High If You Like Challenges And Are Ever Willing To Learn New Things. You Might Have A Master’s Degree In Literature, But Your Mathematical Capabilities Would Be Put To Test While You Go Home Shopping. You Might Have Been An Introvert All Your Life, But You Will Have To Engage In Active Negotiation With So Many People If You Want To Pick A Perfect Home For Yourself. You Might Be A Chatty Cathy Who Does Not Pay Attention When Others Are Talking; This Must Change Now. You Find The Study Of The Law Not Suitable To Your Taste. But, There Is No Way You Will Have It Easy If You Do Not Change Your Preferences While Buying A Home. You Generally Have No Time For Tracking News. But, This May Not Be Optional In Case You Have Started Your Home Search. Simply Put, Your Life Becomes Different As Soon As You Decide To Enter The Property Market.

Know Your Preferences

There Is No One-Size Fits-All Theory When It Comes To Real Estate Transactions. What Suits You May Not Suit Me. While You Might Be More Comfortable With “This”, I, Considering My Circumstances, Might Be Comfortable With “That”. So, You And I Must Pay Attention To Expert Advice, But We Must Also Be Sure Of What We Are Looking For. A Shorter Loan-Repayment Tenure May Be A Good Idea For A Home Loan Borrower Who Is Going To Retire Soon And Earns A Fat Pay Cheque Every Month. The Same Is Not True In Case Of A Person, Who Has Started Earning Recently And Earns Comparatively Much Less As Monthly Salary. So, Take The Expert Opinion, Assess Your Situation And Act Accordingly.



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Perk UP the Passage at Home


A Passage In Any Home, Need Not Be A Dull Space That Is Wasted. We Look At How Home Owners Can Spruce Up This Space, With Just A Little Creativity And Imagination

Most Houses Have A Corridor, Which Home Owners Can Decorate Using Innovative Ideas, To Add A Unique Touch To The Home. The Walls Of The Passage, For Example, Can Be Used To Create A Memoir Wall Of One’s Travels. “From Collages Made Of Boarding Passes, Colourful Small Maps And Tickets, To Postcards Collected During Your Travels, You Can Use The Wall To Create A Memory Lane Of Sorts. You Can Also Display Inexpensive Drawings And Posters From Street Artists. One Can Also Use The Passage As A Photo Area, To Hang Pictures Of The Family – Including Joyous And Serious Photos That Make You Smile When You Look At Them,”

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Ways To Brighten Up The Corridors

Passages Are Often Dark, Which Makes The Space Appear Small And Unattractive. This Can Be Easily Solved, With Some Bright, Coloured Lamps And Lanterns. “One Can Choose Various Indoor Plants, To Perk Up The Passage. Decorating With Nature Is Fun And Not At All Expensive. You Can Place The Plants In Eclectic Vases And Pots, To Add A Theme To The Area. An Array Of Ornamental Mirrors Can Be Hung Up, To Pep Up The Area. One Can Go In For A Bookshelf, To Optimise The Space. Wooden Shelves That Resemble Trees And Branches Are A Popular Contemporary Trend,”

Optimising The Space Available In The Passage

Most Corridors Are A Maximum Of Four Ft Wide, Out Of Which, One Needs At Least Three Ft As Walking Space, Gupta Points Out. “This Leaves Only One Ft Of Free Space And Any Furniture That Has Depth, Will Make The Space Cramped. Anyone Living In Cities, Knows That Every Sq Ft Counts. Hence, While It May Be Tempting To Put A Shoe Rack In That Space, One Should Ensure That It Does Not Obstruct Movement. Alternatively, Opt For A Small Rack Or A Lamp, Or Simple Linear Furniture. Or, Opt For Storage Above The Head Level,”

How To Use The Passage As A Play Area

In Homes That Have Children, You Can Opt For A Pin Board On The Passage Wall. This Pin Board Can Display Various Crafts Like Paintings, Handmade Cards And Hand Prints, All Made By The Children. The Small Passage Linking Rooms, Can Also Be Used As A Play Area. You Can Paint The Walls With ‘Magnetic’ Paints And Stick Magnets On The Walls. You Can Also Paint A Chess Board, Or A Simple Snake And Ladder Game On Such A Wall, To Let The Kids Play.

Using The Passage, To Add A Personal Touch To The Home

“A Message Board, Is Another Interesting Way To Utilise The Space. In The Age Of Tablets And Smartphones, We Rarely Pick Up A Pen And Paper,” Says Gupta. From ‘To Do’ Messages Or A Simple ‘I Love You’ Scribbled On The Board, To Colourful Posts, You Can Put Up Messages To Read, Whenever You Are In The Mood, Adds Gupta.

Mahi Mehra, A Mumbai Resident, Maintains That The Passage Can Serve As An Accent Area Of The House. “I Have A Glamorous Wooden Trolley In The Foyer, Against A Red Wall. In The Passage, I Have A Displayed Pieces From Our Travel, Like Vintage Sketches From London, Plates From Greece, Small Porcelain Teapots From China, Painting From Jaipur And So On. These Little Memories Add Warmth To The House,” Mehra Explains.


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Vastu Shastra Tips for a Temple at Home


When It Comes To The Temple Or Prayer Area In A Home, There Are Several Vastu Shastra Guidelines That Should Be Followed, To Ensure Maximum Positive Effects For The Home’s Inhabitants. We Examine The Dos And Don’ts

The Temple At Home, Is A Sacred Place Where We Worship God. So, Naturally, It Must Be A Positive And Peaceful Place. The Temple Area, When Placed According To Vastu Shastra, Can Bring Health, Prosperity And Happiness To The House And Its Occupants. Although A Separate Puja Room Would Be Ideal, This Is Not Always Possible In Metropolitan Cities, Where There Is Space Crunch.

The Temple Area, Should Be A Zone Of Tranquility That Is Full Of Divine Energy, Says Mumbai-Based Nitien Parmar Of VastuPlus. “This Is A Space Where One Surrenders To The Almighty And Gains Strength. If One Does Not Have The Space To Allocate An Entire Room For The Temple, One Can Set Up A Small Altar On The East Wall, Towards The North-East Zone Of The House. Avoid Placing The Temple In The South, South-West Or South-East Zones Of House,” Adds Parmar.

Vastu Shastra Tips for a Temple at Home
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Ideal Directions As Per Vastu For The Home Temple


Jupiter Is The Lord Of The North-East Direction, Which Is Also Called As The As ‘Ishan Kona’, Explains Jayshree Dhamani, A Vastu Shastra And Astrology Expert. “Ishan Is Ishwar Or God. That’s How It Is The Direction Of God/Jupiter. Hence, It Is Advisable To Keep The Temple There. Moreover, The Earth’s Tilt Is Also Towards The North-East Direction Only And It Moves With The Starting Point Of The North-East. Hence, This Corner Is Like The Engine Of A Train, Which Pulls The Entire Train. The Placement Of The Temple In This Area Of The House Is Also Like That – It Pulls The Energies Of The Entire House Towards It And Then, Takes It Forward,” Says Dhamani. A Temple Placed In The Centre Of The House – A Region That Is Called As The Brahmasthan – Is Also Said To Be Auspicious And Can Bring Prosperity And Good Health For The Inmates, Adds Dhamani.


How Should A Temple At Home Be Constructed As Per Vastu


When It Comes To Constructing The Temple, Do Not Place It Directly On The Floor. Instead, Keep It On A Raised Platform Or Pedestal, Advises Parmar. “The Temple Should Be Made Of Marble Or Wood. Avoid Temples Made From Glass Or Acrylic. Do Not Clutter The Temple. Ensure That You Do Not Have Multiple Idols Of The Same God Or Goddess, Either In A Seating Or Standing Position In The Temple. The Idol Or Photos Placed In The Temple, Should Not Be Cracked Or Damaged, As It Considered Is Inauspicious,” Suggests Parmar.

One Should Be Able To Perform Poojas, Wherever The Temple Is Kept. During Special Poojas, The Entire Family Tends To Pray Together. Hence, Ensure That There Is Enough Space For The Family To Sit Down And Pray. The Temple Area Should Have Good And Healthy Flow Of Energy. So, Keep It Neat And Clean, Without Dust Or Cobwebs And Avoid Stuffing The Space With Too Many Accessories. Above All, The Temple Should Give You A Feeling Of Serenity And Calmness.


Dos And Don’ts For Decorating A Temple At Home


1. The Light Or Diya, Should Be Placed On The Right Side Of The Person Performing A Pooja.
2. Decorate The Temple With Fresh Flowers. Light A Few Aroma Candles, Dhoop Or Incense Sticks, To Cleanse The Area And Create A Divine Ambiance.
3. Photographs Of The Dead/Ancestors, Should Not Be Kept In The Temple.
4. Create A Small Shelf Near The Temple, To Place The Incense, Puja Materials And Holy Books.
5. Ensure That There Are Electric Points Near The Temple, So That One Can Light Up The Temple During Festive Days.
6. Avoid Keeping Unnecessary Items Below The Temple Or Dustbins In This Area.
7. Some People Keep The Temple In The Bedroom Or Kitchen. In Such Cases, Hang A Curtain In Front Of The Temple, When You Are Not Using The Temple.
8. Temple Should Not Be Against A Wall That Has A Toilet Behind It. It Should Also Not Be Placed Below A Toilet On The Upper Floor.
9. For The Temple Space, Use White, Beige, Lavender Or Light Yellow Colours.



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How to Use your Provident Fund to Finance a Home Purchase


Although A Majority Of The Salaried Individuals Have A Provident Fund Account, Only A Few Are Aware That They Can Withdraw From This Fund, For Various Purposes Connected With A House


For Purchase Of A House Or Plot Or For Construction Of A House


Under The Provident Fund Scheme, An Employee Can Withdraw Money From His Provident Fund, After Completion Of Contribution Of Five Years, For The Purchase Of Plot And/Or Construction Or Purchase Of A House. The Loan Can Also Be Taken, For The Construction Of A House On The Plot Of Land Owned By You Or Your Wife, Or Jointly By Both. The Loan Amount Would Depend On The Purpose For Which You Are Taking The Loan. For Purchasing A Plot, The Loan Available Shall Be Restricted To 24 Months Basic Salary And Dearness Allowance (DA), Subject To A Maximum Of The Lower Of Either The Balance In Your Provident Fund Account Or The Cost Of The Plot.


In Case You Want To Avail Of The Loan, To Purchase Or Construct A House, Availability Shall Be Enhanced To 36 Months Of Basic Salary And DA, With The Maximum Again Subject To Lower Of Balance In The Provident Fund Account Or Cost Of The House. It Is Pertinent To Note That The Property Cannot Be Purchased Jointly With Anybody Else, Except Your Spouse, For Withdrawing From The Provident Fund.


Provident Fund to Finance a Home Purchase
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In Case You Withdraw From Your Provident Fund Account, The Construction Should Begin Within Six Months And Be Completed Within 12 Months Of The Withdrawal. In Case You Intend To Buy A Ready House, The Purchase Also Needs To Be Completed Within Six Months. The Withdrawals For Purchase/Construction Can Be Made In One Or More Instalments, Depending On The Circumstances.


For Addition/Improvement Of The House Owned By Self And/Or The Spouse


You Are Also Entitled To Withdraw Money From Your Provident Fund Account, For Making Additions Or Improvements To A Residential House That Is Owned By You Or Your Wife Or Jointly. This Withdrawal Can Only Be Availed, After Five Years From Completion Of The House. It Is Not Necessary That The House For Which You Want To Carry Out The Improvements Should Be The Same, On Which You Had Availed The Withdrawal Facility. This Withdrawal For Improvement Can Be Availed, Even If You Have Not Availed Of The Withdrawal Facility For Purchase Or Construction Of The House. The Amount That You Are Eligible To Withdraw, For Improvement Or Addition, Is Restricted To 12 Month’s Basic Salary And DA, Subject To Lower Of The Balance Relatable To The Employee’s Share With Interest In Your Account Or The Cost Of Such Improvement.


You Can Also Avail Of The Withdrawal Facility Again, Only After 10 Years From The First Withdrawal, Subject To The Same Eligibility Criteria, Vis-A-Vis The Amount.


Advances For Repayment Of Housing Loan


The Provident Fund Scheme Allows You To Avail Of The Withdrawal Facility, For Repayment Of The Outstanding Balance In A Home Loan Taken By You Or Your Spouse For The Above Purposes. The Advance Amount Cannot Exceed 36 Months Of Basic Salary And DA. This Withdrawal Can Only Be Made For Loans, Availed Either By The Members Or By The Spouse, From Specified Entities Like Governments And State Government, Registered Co-Operative Society, State Housing Board, Nationalised Banks, Public Financial Institutions, Municipal Corporation, Or Any Development Authority, For Purchase Of A House.




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Maharashtra Bars Construction within 100 Feet of Hill Ranges


Mumbai : There Can Be No New Construction Within 100 Feet Of Foothills Across The State. The Area Will Have To Be Maintained As An Open Space And Reserved As A No-Development Zone.

Two Years After The Pune Bench Of The National Green Tribunal Ruled That No Permission Must Be Granted For Building Construction On Hill Tops (Where The Slope Ratio Is 1:5) As Well As 100 Feet Around The Foothills, The State Urban Development Department Has Directed All Municipal Corporations And Councils Across Maharashtra To Implement The Order.

There Are Essentially Three Hill Ranges In The Suburbs Close To Mumbai—The Kharghar Range (Part Of The Sahyadris), The Ulwe Hills And Those Along The Thane-Belapur Belt, Where Quarrying Also Happens.

A Plea Had Been Filed Before The Tribunal In 2014 Following Indiscriminate Cutting Of Hills In The Katraj Ghats In Pune. In 2015 The Tribunal Ordered That For 100 Feet From The Foothills Of The Hills No Building Construction Must Be Allowed.

The Notification States That Urban Local Bodies Whose Development Plan Is Under Preparation Or Is Being Amended Must Ensure That Such Area Is Marked As An NDZ (No-Development Zone) And Reserved As An Open Space. In Areas Where Development Has Already Been Carried Out No New Permissions Can Be Granted And Transfer Of Development Rights Must Not Be Permitted. In The Approved Development Plans, Such Areas Must Be Used Only As Open Spaces And For Roads, States The Notification.

A Navi Mumbai-Based RTI Activist, Anarjit Chauhan, Said The Latest State Government Notification Was A “Mockery” Of The Campaign To Protect Our Natural Heritage Like Hills. “No Development Within A Distance Of Just 100 Feet Is Too Small, And Will Not Serve As Any Deterrent For Encroachers And Land Sharks. There Should Be No Development For At Least 100 Metres In Order To Protect Our Battered Hill Ranges,” He Said.

“As Per The Existing Maharashtra Regional Town Planning Act, 1966, Section 14 (F), There Is Provision For Saving And Conserving Natural Hills, Wildlife, Landscapes, Etc. However, We All Know How Illegal Constructions, Mining And Suchlike Have Wrecked Havoc Upon Our Forests And Hills.”

Besides The Main Hill Ranges, There Are Also Smaller Hillocks At Nodes Like Nerul (Close To The R R Patil Municipal Garden) And Also Towards Dronagiri, Uran And Panvel Areas, Where Rampant Development Is Taking Place.

D Stalin, Director, NGO Vanashakti, Said Mumbai’s Hills Have Almost Disappeared. “The Hills Have Been Cut, Flattened Or Have Been Built Upon As In Case Of Malabar Hill. There Are Very Few Hills Surviving Such As The Worli Hill On Account Of The Water Reservoir Built Here, Parts Of Antop Hill, Dindoshi Hills Also Survive. Powai Hills Continue To Be Destroyed,” He Said.

Stalin Said Hills Hold Moisture And Water, Keep Areas Cool And Are An Essential Part Of The Natural Landscape. “The Order Will Help Save What Is Still Not Destroyed,” He Said.



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10 Timeless Home Decor Trends


Keep Your Style Fresh For Years To Come

Keeping Up With The Trends In Home Decor Can Be Tough. So This Year, Why Not Opt Out Of Following The Latest And Greatest, And Choose Timeless Home Decor Style Over Fleeting Fads? We’ve Got 10 Home Decor Trends That Will Keep Your Style Fresh For Years To Come.

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1. Minimalism

No Matter What Year It Is, Less Is Always More. The Less You Have Crowding Your Shelves And Tables, The Better Your Home Will Look — And The Less You’ll Have To Dust! The Same Goes For The Layout Of Each Room. Stick With Furniture That’s Proportional To The Room So The Space Doesn’t Look Crowded.

2. Accent Color

Trendy Colors Change Year To Year And Season To Season, But A Room Always Needs A Bit Of Color To Really Pop. Rather Than Investing In An Orange Couch Or Painting The Living Room Aquamarine, Choose Accessories Such As Throw Pillows, Vases And Even Art In Bold Accent Shades. These Are Easy To Swap Out Every Season Or The Next Year.

3. Functional Furniture

As Chic As That Angular Chair With A Bucket Seat Looks In The Magazine, Don’t Buy Something On Which You Can’t Comfortably Sit. The Same Goes For Glass Coffee Tables (Too Much Potential For Breakage) And Shelves With No Space. Buy Home Decor Items That Are Meant To Be Used, Not Just Admired From Afar.

4. Comfort

Like Function, Comfort Is An Important Factor When Buying Furniture. It’s Not Timeless If You Have To Replace Your Couch Because You Just Can Never Relax On It. Buy Something That Looks Good And Also Feels Good.

5. Quality Over Quantity

Just Because You Have Shelves Doesn’t Mean They All Need To Be Overflowing, And Just Because You Have Walls Doesn’t Mean Every Square Inch Should Be Covered With A Painting Or Photo. Choose Art And Accessories Wisely: Shop Less Often For Unique And High-Quality Items Instead Of Over-Buying Just For The Sake Of Putting Something (Anything) On Your Walls.

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6. Natural Lighting

If You Need To Buy Window Coverings, Choose Window Treatments That Let In The Most Light. Where There Is Minimal Natural Light, Invest In High-Quality Lighting Options That Give Your Space A Natural-Looking Glow.>

7. Durability

When It Comes To Home Decor, It’s Often Better To Splurge On Something That Will Stand The Test Of Time Rather Than Something Trendy, Yet Poorly Made. You’ll End Up Spending The Same Amount On Several Low-Cost, Low-Quality Items Versus One Well-Made Piece. Again, Shop Wisely.

8. Warm Tones

Shades Like Caramel, Plum And Ochre Are All Timeless Because They Warm Up Your Space. Whether You Paint A Room In A Warm Tone Or Stock Up On Accents In Those Shades, Your Home Will Look Chic And Cozy, Regardless Of The Latest Trends. 9

9. Shades Of Gray

In Fashion And In Home Decor, Gray Is A Shade That Isn’t Going Away. From Softer Tones To Slate To Gray With Hints Of Blue, This Timeless Color Looks Good Anywhere — Including On Counter Tops, Walls And Accessories.

10. Smart Storage

An Organized House Is A Happy House. Having Smart Storage Solutions Never Goes Out Of Style And Will Ensure Your Home Is Always In Order. From Wrought Iron Hooks To Classic Bookshelves, You Can Easily Make Storage Part Of Your Design Aesthetic.



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Need more money after taking a home loan? Opt for a ‘top-up’


If You Are Already Paying The EMI On An Existing Home Loan And Need More Money, You Can Opt For A Top-Up Loan. Here’s A Look At The Eligibility Criteria, Tenure And How You Can Take This Loan

When A Person Buys Any Property, It Generally Involves Taking A Home Loan And Also Exhausting A Substantial Amount Of One’s Savings, To Fund The Margin Money. Moreover, Home Buyers Also Try To Avail Of The Maximum Possible Loan Amount, To Get The Best Home. Sometimes, A Situation May Arise, Where You Need A Substantial Amount Of Money, While You Are Also Servicing An Existing Home Loan. There Is An Option Called A ‘Top-Up Home Loan’, To Deal With Such Situations.


When And From Whom Can You Get A Top-Up Loan?


A Top-Up Loan Is An Additional Amount That One Gets As A Loan, Over And Above Your Existing Home Loan.Various Lenders Have A Minimum Qualifying Period For Which The Original Home Loan Should Have Run, Before You Become Eligible For The Top-Up Loan. The Period Generally Varies From Six Months To One Year. Lenders Also Normally Insist That The House For Which The Loan Was Taken, Be Completed.

For Availing The Top-Up Home Loan, You Need To Have A Good Repayment Track Record On The Existing Home Loan. Otherwise, The Lender Will Not Commit Any Further Funds, When The Existing Loan Is Already At Stake.

If Your Existing Lender Is Not Willing To Give You A Top-Up Loan, You Can Always Approach Another Lender, To Transfer Your Loan Along With A Top-Up Loan. In Such A Case, You Will Have To Comply With All The Documentation And KYC Formalities, With The New Lender.


Quantum And Tenure Of The Loan


Your Income May Have Increased, After Your Original Home Loan Was Disbursed. Similarly, The Value Of The Property May Also Have Appreciated. Both These Factors Add To Your Overall Credit Eligibility. The Maximum Amount Of Top-Up Loan That You Can Get Will Differ, Depending On The Lender. Some Lenders Cap The Aggregate Of The Proposed Top-Up Loan And Balance Outstanding On Your Home Loan, To The Original Amount That Was Sanctioned For The Home Loan, Subject To The Margin Requirement And Your Income Level. Other Lenders May Calculate Your Overall Loan Eligibility, After Taking Into Account Your Present Income And A Margin Of Around 25%, On The Current Market Value Of The Home.

The Tenure Of The Top-Up Loan, Also Varies From Lender To Lender. The Maximum Top-Up Loan Tenure Is Generally Restricted To 15 Years. Some Lenders May Also Restrict The Tenure, To The Remaining Period Of The Home Loan, To Ensure That The Repayment Of The Home Loan As Well As The Top-Up Loan, Is Completed At The Same Time. The Maximum Tenure Of Your Top-Up Loan, Is Also Limited By The Residual Life Of The House.

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Purpose For Which Top-Up Loans Can Be Taken


The Top-Up Loan Can Be Used For Any Personal Need, Like Marriage Or Education Of Children, Holidays And Purchase Of Consumer Durables, Like Televisions, Refrigerators, Laptops, Etc. However, The Top-Up Loan Cannot Be Used For Any Speculative Activity, Like Trading In Shares, Etc. The Lender May Insist On Obtaining An Undertaking From You, About The Proposed Usage Of The Loan.


Why A Top-Up Loan Is Better Than A Personal Loan Or Gold Loan


As The Top-Up Loan Is Given On The Security Of The House, The Rates Of Interest Are Lower Than That On A Pure Personal Loan. Likewise, The Rate Of Interest On A Gold Loan, Is Also Higher Than A Top-Up Home Loan. Moreover, The Tenure Of A Gold Loan Or A Personal Loan, Is Generally Lower Than What Is Available On A Top-Up Home Loan.



Residential Projects In Thane Contact Ace Constructions Sales Office

Ace Constructions

A-201 Manas Apartment, V.S Marg.
Near Teen Petrol Pump, Thane(w) – 400602