A Complete Guide To Understanding Home Loan Interest Rates

Home loan rates can be a complicated plateau to manoeuvre through. There are, however, a few major factors that do stand out. This guide should help you to screen through the major sections that need to be kept in mind about this subject:

Types of interests

This section may seem basic; however, it’s not. There are three types, obviously. Yet, you need to know some of the important aspects that may affect your EMIs and the repayment structure in the long run.

• Fixed rates: These rates are higher and so are the hikes after the first few years. So, you should know when your interest rates will elevate again. If you opt for fixed interest rates, you should aim to increase your earnings accordingly.

• Floating rates: These are vulnerable to economic fluctuations. They can work in your favour if they lower over a certain period of time, though you must know that the tenure for home loan repayments stretches from 20 to 30 years. Unless you earn a significant income over the course of the years to pre-pay the loan, you will be paying EMIs for that duration and may also face unexpected recession and interest rates hike twice or thrice in that period.

• Hybrid rates: These rates combine the best of fixed and floating. You make two home loan agreements that divide your home loan into two types of interest rates and repayment plans. Though it seems like the best of both worlds, you need to understand that it can backfire too. You need to read the home loan agreement papers and the fine print carefully and protect yourself against any backfires.

The factors that influence your home loan interest rates:

All applicants may not be able to get the advertised rates. Very few people, in truth, are in a position to avail the best home loan rates in India. Although you can influence home loan proposals to get the best possible interest rates for your housing loan. So, what are these factors?

• CIBIL credit score
• Repayment ability
• Company appraisals
• Employer
• Annual earnings – income, assets and liabilities
• Any other loans
• Your interest rates negotiations

There are always more factors that can come into play, depending on how you choose your house loan package. So, it makes sense to make an effort to mould all these factors in your favour. It is not always possible to transform them all; yet, if you take an expert’s advice and use it to your advantage, you can potentially get much lower housing loan interest rates in India .

Common Reason and Solution for Google Drive File Stream Not Working

Hello All! Today we are going to discuss a frequent issue in Google Service – “Google Drive File Stream Not Working”, where one can struggle with smooth file streaming. Google Drive File Stream is a desktop utility provided by Google Drive, that can stores data online, to allow sync with the file system to access the data offline. Let us understand this issue in detail.

Problems in Google Drive File Stream

Here are some of the common problems listed below which are encountered by users:

No Synchronization of files between System Drive and Google Drive.
Sync Process got to hang and showing the message “Preparing For Sync” for a long time.
When the user tries to edit the file but in reality, it is not modified.
Getting Sync Failure messages such as “Authorization Failure: No longer permitted to view the file.”
Common Reason Behind Drive File Stream Encountered Problem and Has Stopped

There is a list of reasons for this error. Go through them below:

Damaged Cached Files or Folder.
The storage of Google Drive is full.
No Internet connection is available.
Clash of Other Google Cloud Services.
What to do If Google Drive File Stream Not Working?

We have a few manual ways which can help you to resolve the problem related to the “drive file stream encountered a problem and has stopped.” You can try one after the other until your issue is fixed.

Try Checking and Modifying Network Connectivity to VPN

For proper file streaming, the network connection must be clear and speedy. So, try checking the present internet connection and its settings. As ISPs are suspected of blocking certain services of applications, it is suggested to shift the internet connection from ISPs to VPN permanently for Google Drive file streaming.

Try Renaming the Google Drive File Stream Folder

The outdated or corrupted cache may be a reason for the difficulty in Google Drive file streaming. So, it must be either deleted or renamed.

Here are the straightforward steps to rename the Google Drive File Stream Cached Folder.

Start from terminating the running Google Drive file stream application.
Run Command Prompt as an administrator.
Execute the following command.


Now, look out for the folder and rename it with any name.
Reboot the system once and begin the Google Drive file stream application again.
This time the streaming may work fine.

Try disabling other Instances of Google Cloud Services

Try disabling Google Backup & Sync if it is running. To disable the running Google Backup & Sync application, users can run the Task Manager on their systems, select the program, and click on the End Process option to close the application securely. Then start Google Drive File Stream and check if the synchronization goes well or not.

Try Saving Google Drive File Stream files Offline

To access and download the Google Drive folder offline, execute these steps.

Open the File Explorer window on your system.
Move to the left panel and click on on the Google Drive File Stream (G) drive to open it.
Double-click on any Drive from the proper panel to open it.
Next, the folders or files will get retrieved from the chosen Drive. Select one or multiple files/folders, right-click, and follow Drive File Stream>Available Offline.
Proceed to download the chosen files on your system.

Here we’ve explained multiple methods to repair the “Google Drive File Stream Not Working” issue.

We have a professional way to backup Google Drive data to the system permanently. Users can use the Gmail Email Backup to backup and download Gmail Emails to their PC or an External Hard Drive. It is the best tool to backup Google Drive contents to the required system drive location.

How to uninstall Minecraft game

Minecraft gaming is one of the popular games in the market. Millions of people have joined Minecraft gaming and enjoy playing it. Though people enjoy playing Minecraft, sometimes there could be various reasons to uninstall the game.

If you decide to uninstall the Minecraft game at any moment and you will be back after some time, you should back up the saved games. So that after you come back, you can start playing the game from where you left.

Uninstalling the Minecraft game is not an easy task. It is not that simple to uninstall the game like we uninstall the other programs. When we uninstall the Minecraft game, we need to follow the instructions step-by-step. However, there are various ways to uninstall the Minecraft game.

Backup the saved games

Minecraft is a game that is almost played by everyone. However, Minecraft doesn’t take much space on your computer, but sometimes you need to delete for your reason. But first, you uninstall the Minecraft Game; you need to back up the saved games, so if you change your mind and choose to come back, you don’t have to play from the beginning. Follow the instructions to back up the saved games.

Press Windows + R and type %appdata%
Click on the Minecraft folder.
Copy the saves folder to some other location.
Whenever you reinstall Minecraft, you can copy the saves folder back.

Uninstall the Minecraft game

If you play minecraft games and you required good minecraft server hosting then you can read this. So to uninstall the Minecraft game in three different ways. These are ways that are efficient enough, and if you follow the instructions step-by-step, you will be able to uninstall the Minecraft game successfully.

Uninstall the Minecraft game Manually
To uninstall the Minecraft game manually, and you can easily follow the steps and successfully remove it from your system.

Open the start menu.
Please search for the Control Panel and click on it.
After clicking on Control Panel, search for the Programs option.
Click on the Programs option.
Now select the Programs and Features option.
In Programs and Features, you need to find the Minecraft list in the programs.
Click on the Minecraft folder and select the Uninstall button at the top.
You will get the pop-up window for confirming the uninstallation of the Minecraft game. Click on the yes button.
Removing Minecraft manually is very much sufficient. In case you think uninstalling the Minecraft game manually is not a good option, you can remove the game by using CCleaner and IObit Uninstaller.

Uninstall the Minecraft game by using CCleaner
The other best way to uninstall the Minecraft game is by using CCleaner. Ccleaner is the app used to remove the temporary files and resolve the computer’s registry error. You can follow the instructions step-by-step to release the game from your computer effectively.

Launch Ccleaner.
Now, find the Tools section and click on it.
You will the list of Installed programs. Find the Minecraft game and click on it.
After clicking on the Minecraft game, you need to press the Uninstall button.
Now, for confirmation, click on Yes to remove the Minecraft game.
Wait till the removal process gets done. Check if the leftover files exist after that completing the uninstallation of the Minecraft game.
If there are any leftovers, delete it immediately to remove the Minecraft game from your PC altogether.

Uninstall the Minecraft game by using IObit Uninstaller

You can use IObit Uninstaller as an alternative. It is suitable for both advanced and beginner users. You can effectively uninstall the Minecraft game by using the IObit Uninstaller.

Download the IObit Uninstaller from the official website.
Install the IObit Uninstaller.
Find the Minecraft option and now check the box next to it.
You will see the Uninstall button is active.
Click on the Uninstall button.
After pressing the Uninstall button, click yes for confirming your actions.
Wait till the uninstallation process gets complete. It will take 20 seconds.
Now, when the process of uninstallation is done, IObit will offer you to remove the leftovers.
You will get the instructions on the screen to remove the leftovers. Follow them carefully. Delete all the fragments of the Minecraft game.
After deleting the leftover, there will no Minecraft game will be on your computer.

Make the Right Choice – Select the Best ERP Software

Though there are a number of organizations offering ERP Solutions for Logistics ERP Software, Manufacturing ERP Software, Oil and Gas ERP, Asset Integrity Management, Risk Based Inspection Software, Anomaly Management Software, it is simply not easy to choose an ERP solution that suits the specific requirements of your business. Various ERP software are equipped with diverse features, configurations which renders it quite intricate to opt for a solution that best matches the needs of your business.

As mentioned, the number of organizations offering ERP solutions is several however, the fact of the matter is that none of these organizations have a clear understanding of your business. In fact, only the organization seeking ERP solution will have an in-depth knowledge about their business and they are in a better position to select the right ERP software that suits their business needs. Another challenge when it comes to selecting the right ERP software is the fact that the ERP landscape is continuously changing. There are new features that are added to existing ERP solutions and organizations offering ERP solutions are also changing their approach when it comes to developing appropriate ERP Software.

In such a situation, it is imperative that the organization seeking ERP solution has a clear cut idea about what they are looking for and how a specific ERP solution can prove to be apt for their organization. The organization needs to identify areas within their operations that they believe needs to be optimized to enhance the business process or improve outcomes. The organization also needs to weigh the pros and cons as to how implementing ERP solution can help the organization in optimizing their processes. Similarly, the requirements of different organizations within each industry would drastically vary. For example, in the logistics industry, a particular ERP solution that works for one organization may not necessarily work for another organization from the same industry. A ‘one size fits all’ approach may not work. Rather organizations need to be clear about the specific issues they intend to resolve by implementing ERP software within their business process and outlining the expected outcomes.

Organizations also need to understand the capacity of the intended ERP software to be easily integrated within their existing processes or understand whether the ERP solution can be aligned to the purpose with which it is being acquired for example, return on investment, process optimization etc.

Cost is another factor that organizations need to take into consideration while opting for ERP software as it can be expensive. But, cost cannot be considered as a distinct factor on the basis of which organizations select ERP software. The common belief that higher cost means higher quality and low cost means low quality may not be necessarily true. There are ERP software that are expensive but have high functionality and ERP software that are comparatively cheaper but offers the same level of functionality. Therefore, the choice of ERP software should not be on the cost of the product but rather it should be on the offered functionality and how it matches with the business requirements.

Another factor that needs to be kept in mind is to assess the viability of the vendor providing the ERP software. The organization should ensure whether the role of the vendor will be restricted only till the sale process or whether extended support and maintenance services are provided.

Selecting the best ERP software can be a challenging proposition considering the fact that the market is inundated with several ERP software service providers. In view of this, it is essential that the organization keeps the above said factors in mind while selecting ERP software. To reiterate, these factors would pertain to understanding the business requirements, weighing the pros and cons, integration and alignment with existing processes, cost and viability of vendors. These factors can be crucial in enabling organizations to choose the right ERP software solution that best matches their business requirements.

In view of the above factors, the process of selecting the right ERP software is rendered easy when it comes to ERP solutions offered by Agaram InfoTech. Clients are presented with multiple options for selecting the right ERP software from the array of solutions that Agaram has to offer. To facilitate ease of selection, Agaram has conceptualized a distinct model where 30% of customization is incorporated within the cost of the product. In addition, the process of customization and implementation does not take much time and the turnaround time would at the most stretch up to 3 to 4 months as compared to several other organizations where the turnaround time for customization and implementation often stretches from 1 to 2 years.

The quick turnaround time for customization and implementation at Agaram is driven by our team of experts who facilitate the implementation at the client’s end and extend their assistance till the process is actually complete. Moreover, as a pioneering organization that provides exceptional ERP solutions, Agaram simplifies the process by replacing conventional methods thereby offering results that are accurate.

Agaram InfoTech is an organization that offers impeccable ERP Software Solutions that not only match the business requirements but it can be easily integrated with existing processes. Needless to say, we offer competitive prices and establish a long term association with our clients. In addition, we also offer customized ERP software solutions that can be tailored to suit the needs of the client. Agaram ERP offers a comprehensive solution that is best amongst equals and can prove to be the logical choice for you.