What is Downzoning?

Downzoning is a change in the zoning designation of a piece of land from a more intense use category to a less intense use category. This change usually results in a decrease in the maximum allowable density or intensity of development on the land. The primary purpose of downzoning is to protect the character of … Read more

What is Zoning?

Zoning is a regulatory approach to control how land or real estate of an area would be used. It divides the whole area into different zones. Such as: Commercial Industrial Residential and Agricultural The government applies zoning law to specify which area is to be used for what kind of zoning. As we see a … Read more

Spot zoning

Spot zoning is one kind of zoning variance. It is the process of singling out a plot of land or building within a larger zoned area for a different type of use. For example, a commercial building, park, or school might be granted within a strictly residential area, as surrounding residents may benefit from it. … Read more

What is Aesthetic Zoning?

Zoning, when used in the context of architecture, is known as aesthetic zoning. In real estate, Aesthetic zoning is a special type of zoning that is used to preserve the visual, ecological, or historical values of an area. It’s used to keep areas from looking unappealing or to maintain an area’s appearance. Aesthetic zoning is … Read more

What is Cluster Zoning?

Cluster zoning is a type of zoning that allows for increased density in exchange for open space. This can be done by clustering homes together and leaving open space in between, or by increasing the height limit on buildings. The purpose of cluster zoning is to allow for more development while still preserving some green … Read more

EPC Contract

EPC stands for ‘Engineering, Procurement and Construction’. Engineering, Procurement and Construction Contract or EPC contract is a type of construction contract between parties where the contractor is responsible for all the engineering, procurement, and construction activities to deliver the completed project to the employer or owner within a predefined time and cost. Role of an … Read more



Project is a limited-time venture, planned with a set of tasks to achieve the desired goal or goals which are not available now. The desired goal could be a product, service, result, business model or a strategy. In today’s competitive and technological advanced business environment it could be anything. Project and routine operations are not … Read more



Simply, a mortgage is a loan to purchase your home. A bank or mortgage lender gives you money to buy your dream house. Sounds great, huh! When you decided to buy a house and have decent monthly income but you could not pay the entire value now, then the bank or mortgage lenders come like … Read more

Financial Leverage

Financial leverage is the degree to which an entity uses interest-bearing debt to finance its assets. The higher the share of debt financing in the capital structure of the company, the higher the financial leverage and also the financial risk. A high proportion of financial debt also means high-interest payments. Which may have a negative … Read more

Refi bubble


Refi bubble is referred to such a period when a significant number of existing mortgages are refinanced to take advantage of the drop in interest rates. A typical refi bubble is seen in the Real Estate market for home mortgages. According to Federal Reserve Bulletin in 2001 – 2003 an incredible number of mortgages are … Read more