Indonesia – Passionate business this property in 2012, is inseparable from the support of the banks in terms of funding. Some big banks are still expected to remain consistent in the property sector to channel loans, especially to consumers through mortgages (mortgage) interest rate is quite low, namely 7.5 to 11 percent per year.

In 2012 the banking sector through the financing of construction loans and real estate loans to fund start preparing the property for projects built by developers who assessed prospectively.

If in previous years, the developers rely more on own capital or advances received from customers, so this year the developer is more likely to borrow funds from banks. What’s more the developer who has gained the trust of the community.

On the other hand, the banks realized also that the risk of financing current property projects has declined compared to previous years. Because the property is entered into the property market in general is really worth (marketable). Thus, based on research done Property Analysts Association of Indonesia (IKAPRI), the growth of property loans are expected to rise significantly, reaching 16 percent, with the rate of Rp 302.3 trillion in 2011 to Rp 351.07 trillion.

The growth rate mortgages are expected to increase by 22 percent, from Rp 180 trillion in 2011 to Rp 219.6 trillion in 2012. With the support of funding from banks, then the property business was expected to still be able to go quickly on this 2012.

However, based on research IKAPRI, when Bank Indonesia to keep the inflation rate remained consistent through monetary policy that is “more stringent”, all the depreciation of the rupiah against the U.S. dollar can remain awake, and the money supply does not exceed the limits that are targeted by the BI, the possibility of rate hikes SBI inflation and interest rates are not expected to interfere with rotation of the wheels of business property in 2012. In other words, the movement of macroeconomic variables in 2012 is not much influenced by Europe and the U.S. financial crisis.

IKAPRI believes SBI will move between 6-7 percent, while inflation will not run away from 6 percent. On the other hand, the exchange rate will stabilize at around Rp 9,000 – Rp 9,300 per dollar. If this condition happens, then the property business will be moving quite rapidly in 2012, as previously described.

Meanwhile, according to research science Indonesian Property Studies Centre (PSPI), the increase in property prices due to rising prices of building materials, will not be more than 10-15 percent. Based on indicators such property, the property will reach its peak (boom) in the year 2013-2014, which is dominated by housing, shops and shopping centers.

Toilet cleanliness is one indicator of a person or a family. If you want to know a particular person is clean or dirty, just look at how the toilet in his home. Well, how the toilet in your home?

According to the Chairman of the Indonesian Toilet Association, Naning Adiwoso, there are three things to note from a toilet.

It all started with the design. There are several things to consider when designing a toilet at home. The minimum size toilet is 1.2 meters x 2 meters. ”This measure makes people move freely therein. Nudge banged his hands does not go anywhere,” said Interior Architecture graduate studies at the Pratt Institute of New York.

The bathroom door should be opened fully. Avoid opening the door banged tub or bucket so it does not move freely. To avoid something happens in the toilet, people who go unconscious or ill-doors should open outward.

The distance between the toilet and sink should not be too close, about one meter. Toilets must have ventilation so that air was trapped in the toilet. Ventilation should be directed from the outside to the toilet into the room, not into another room. When the toilet is in the middle of the house, many people install exhaust fan to remove the air in the toilet.

Toilets need good lighting. It’s very important to be enough clean water. Water is good for flushing waste and washes hands.

In the market there is a toilet seat and squat. This option is tailored to the habits of the wearer. Squat toilet is better because more freely. However, for those who are elderly hard times getting up. Thus, the wall needs to be installed stainless steel handles. However, there is also a more comfortable using a toilet seat.

For doors and glass, choose quality. Quality will give satisfaction. For example, the door cannot easily broken or eaten by termites and glass not easily broken.

Ceramic wall, choose a smooth pan. That way, the wall will be easy to clean. As for the floor, choose one that has a rough surface so it does not easily slip. Avoid murky color selection to avoid the impression of a dirty and dark.
Do not ignore the slope of the floor, a minimum of two percent. The goal is that water easily flows into the exhaust so it does not make a puddle.

“A clean toilet is a dry and healthy,” said Naning. Moreover, Indonesia as a tropical country conditions toilet should be completely dry. Just make a little puddle toilets become damp, inviting and spreading germs.

Naning added, error cleaning toilets by pouring carbolic acid. This material is not only a stinging smell, but causing bacteria in the septic tank to die. It can also damage the ground water.

Place perfume or plant room in the corner. Toilets will give a fresh atmosphere.

It should be noted that the toilets are not necessarily hygienically clean. When soaked in water, cleaned with soap, or regular cleaning, feces were missing toilets to be clean. However, continued Nana, not necessarily all the germs, bacteria die. Therefore, many germs are sourced from the bathroom did not die just drenched with water or soap.

Ideally, clean the toilets at least once a day, but it could be three to four times so that germs do not multiply. For cleaning, said Nana, choose which contains sodium hypochlorite, which effectively kills bacteria and germs. This material is also safe in the hands and does not damage the surface of the toilet-porcelain floor tiles. Choose a cleanser that also contains a natural deodorizer. This atmosphere makes it convenient for conducting activities in the toilet.

In addition to consider the cleanliness of the toilet water faucet, sink, the doors handle, until the hidden corners. You can also use air freshener to get rid of unpleasant smells in the bathroom.

Here are the steps to properly clean the toilets, which are:
- Use gloves and pour the cleaning fluid around the toilet.
- Wait a few ingredients to work effectively.
- Brush the closets until evenly distributed.
- Flush with water.
- Close the toilet so as not to spread germs.

If you’ve been paying attention to interior design fashions, you’ll have noticed that bright and vibrant colours are back in style. Replicating the bright and vibrant look can be a challenge for a busy family, however. The following decorating tips will help you to transform your room without having to spend all your holiday time up to your elbows in paint.
Quick and Easy Interior Design Ideas
When most people think of colours, they think of carpets, wallpaper, and paint, but you don’t have to repaint your room every time you want to change the theme. If your current wall colour is something fairly neutral, then you can use it as a base – building the theme of the room over it.
Instead of repainting your wall, why not buy some inexpensive picture frames, paint those, and hang up some bold Pop Art pictures to add some spice to the room? Or, paint the door and window frames in a colour that contrasts the existing wall colour – this will make them really stand out, and, if you match the rest of the room to the new colour, it looks very stylish.
For an even quicker fix, why not buy some made to measure blinds? These days, you can get some quite attractive designs, and made to measure blinds will suit almost any room. You can even get vibrant blackout roller blinds that look fashionable by day, and shut out all light in the evenings, making them perfect for the bedroom.
Kitchen Design on a Budget
The kitchen is a difficult room to work with. If you purchased a new fitted kitchen every time fashions changed, you’d spend the rest of your life paying off a huge credit card debt! Instead of re-doing everything, why not just change your appliances when you fancy a new look? You’ll probably want to keep the big things such as fridges, cookers, and washing machines, for a long time, but many smaller appliances get replaced regularly anyway so you shouldn’t see too big of a dent in your budget if you opt to match the colour of your toaster, blender, and kettle.
You can also theme your kitchen by looking at new dishcloths, oven gloves, utensils, and even a set of vibrant blackout roller blinds. It’s the accessories that really make the look.
A New Skin for Old Furniture
Instead of getting rid of your old furniture, why not get it re-covered. Most sofas and seats are well-made enough that they will last for many years, and if they do start looking a bit tatty it’s just the exterior that has a problem. You can save a lot of money by getting new cushion covers made, and as an added bonus you’ll get to keep your favourite sofa, rather than having to replace it with a new one that may not be as cosy and comfortable as the one you’ve spent so long “breaking in” to your preferences.