Use this 5-20-30-50 thumb rule to organize your finance, so that you won't be in vain at the time of repayment. * The house value should not exceed 5 times of your annual income. * The loan tenure should not exceed 20 Years. * Home loan EMI should not exceed 30% of your monthly income. * Total EMI including your Home, Car and other EMI 50% of your annual or monthly income.    

Steel : Steel is one of the major products in the construction of structures which helps to withstand building for long-lasting. The technical name of steel in engineering is reinforcement and it is also termed TMT bars.      Steel Type     TMT Bars      Technical Name    Reinforcement      Chemical Name    Ferrous (or) Fe      Available Grade    415, 500, 550, 550D      Rod Length    12 meter (or) 40 Feet      Available form    Roll / length How to Calculate Steel Weight :   To calculate the weight of the steel, the following formula is used                          Weight of steel per meter = ( D X D ) / 162.  (where D is the dia of the rod) Example : To calculate 8mm dia rod weight per meter                   =  (8X8)/162  = 0.395 Kg To calculate the weight of a single rod of 8mm dia                   = 12 X 0.395 = 4.740 Kg      Dia of Steel    Weight per m     6mm      0.222 Kg     8mm      0.395 Kg     10mm      0.616 Kg     12mm      0.888 Kg     16mm      1.578 Kg     20mm      2.466 Kg     25mm      3.853 Kg          

GST stands for Goods and Services Tax. It is an Indirect tax which introduced to replace a host of other Indirect taxes such as value-added tax (VAT), service tax, purchase tax, excise duty, and so on. GST is levied on the supply of certain goods and services in India. It is one tax that is applicable all over India. GST on Construction Products:     S.No           Material    G.S.T Percentage      01   Cement          28%      02   TMT Steel         18%      03    Red Brick          5%      04    Fly Ash Brick         12%      05    Blue metal, M-Sand             5%      06    Solid Blocks / Concrete Blocks         12%      07    AAC Blocks         12%    

                                     Unit Weight   

As Per IS 383:2016 (Clause 8) 8. SUPPLIERS CERTIFICATE AND COST OF TESTS 8.1 The supplier shall satisfy himself that the material complies with the requirements of this standard and, if requested, shall supply a certificate to this effect to the purchaser. 8.2 If the purchaser requires independent tests to be made, the sample for such tests shall be taken before or immediately after delivery according to the option of the purchaser, and the tests carried out in accordance with this standard and on the written instructions of the purchaser. 8.3 The supplier shall supply free of charge, the material required for tests. 8.4 The cost of the tests carried out under 8.2 shall be borne by, a)  the supplier if the results show that the material does not comply with this standard; and b)  the purchaser, if the results show that the material complies with this standard.                                                                                                                                       -(Ref IS 383:2016)                                                                                                                                       - Team M-Kube