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24 THE OSHAWA TIMES, Saturday, September 16, 1960 ALUMINUM SIDIN ! These handsome semi-de- tached houses employ alum- 2 i Fern inum clapboard siding, which new construction, The siding is being used increasingly in | gained immediate popularity MAKES ATTRACTIVE EXTERIOR when it was introduced to Canada as a renovating ma- | terial. hl Concrete Shapes Blossoming Out : «Concrete masonry walls all I§oked the same a quarter cen- tery ago, but not any more. +The uniform cold gray has be- come a multitude of colors ranging from delicate pastels of pink, rose, tan, sand and orange t¢ strong browns, reds and eens as well several shades of gray. as STRONG CONTRASTS Colored mortar can create | strong contrasts, as well. Black, or red mortar varies the color pattern of the wall and blends well with concrete brick or block of varying hues. Emphasis on the horizontal or {vertical joints between con- crete brick and block can cre- late varying spatial effects, Jis effective when judiciously used The opposite effect can be obtained with recessed mortar joints, set back from the unit to emphasize the divisions between units. TREMENDOUS SCOPE Solar screen or screen wall block -- the pierced units are given different names in vari- ous parts of Canada -- give a designer tremendous scope. More patterns are appearing on the market every day, and each| can be combined in many ways Ito vary the wall pattern that can be made with them Block with raised surfaces + Along with the colors the wall helping to raise or lower ceil- and recessed surfaces can also gatterns have undergone transformation. Concrete block and brick used to be laid in a dpnventional pattern called 'Srunning bond." Now thy can bricks, the effect of a wall can|effects in a house front {pear wider, longer or higher, By varying the amount of mortar between blocks or aling heights, making a room ap-/be laid to form many patterns of lighting and texture. A few of these decorative units taste fully used can create dramatic a Be laid on end, on top of one be changed markedly. Extrud-/den wall or a patio screen, and another in stack bond, in a bas-|ed mortar joints, where mortar add resale value to a house at ket weave pattern, or in dozens q other attractive patterns. |is generously applied and | little cost. |squeezes out between the units,| Even block manufacturers do yi not want to see large unrelieved areas of exposed concrete block, and they emphasize the use of contrasting building materials along with block to pick up the interest in both the exterior and interior of a home. Wood, for instance, combines we'l with concrete block, and has been used with block to excellent effect in the homes of several concrete products manufactur- ers, The strong lines and absolute- ly uniform dimensions of con- crete block lend themselves ot experimentation, and their scope in design work is limited only by the designer's imagina- PROTEST VISIT LONDON (CP) -- The League Against Cruel Sports reported .'that thousands of protests were received at its offices after Air Minister Julian Amery visited a bullfight while holidaying in Spain, Supplement \ to provide the difference be-|the availability of interim fi-|rect loans are oans|e the amount of the loan|nancing. If the applicant is to|loans made by approved lend-| | | Other Loans National Housing Act {gage loans for new home con- {struction are usually obtained from approved lenders, such as |banks, life insurance and trust mort-| the same as| 'nterest rate of 6% per cent, the monthly payment in inter- and the total cost of the house.|act as his own contractor, evi-iers, and may be as high asiest and principal is about $7.55 CHMC requires evidence that|dence such as tues or credit|$14,900 for a one-family dweli-lover 20 years, $6.85 over 25 the borrower is providing, from(from a bank or suppliers must ing at the current interest rate/years and $6.15 for a 35-year his own resources, at least five|be submitted. Where the appli-lof 6% per cent. Repayment is|period. One-twelfth of the esti per cent of the total value of(cant employs a contractor a/made i» convenient monthly in-|mated annual taxes must be the house and land. This equity|letter is required from the stalments, generally over 25/added to determine the total may be in the form of cash,|contractor acknowledging that years. The term may be ex- monthly payment. or a combination of cash, land he understands there will be ajtended to 35 years where the] An application for a direct and labor. holdback of 20 per cent of the borrower would be required to/CMHC loan must be approved Since loan advances are value of work completed untilluse more than 27 per cent of|before construction of the house made as onstruction pro-expiry of the mechanics' lien his gross income to me etlis started. It cannot be approy- gresses, il is necessary for the period. {monthly payments, ed if work has proceeded be- applicant to submit evidence ofl Financial terms of CMHC di-| For every $1,000 of loan atlyond 'he barc excavation stage. |and loan companies. These {loans are insured by Central Mortgage and Housing Corpor-| ation, the Federal housing | 1 {to make loans for home-own- {ers housing where loans are 10t| |available from approved lend-| ers. f { CHMC loans are made to {prospective home owners and to builders. Builders must pro-| |vide written evidence that the {houses the intend th oiudl| to builders. Builders must pro-| vide written evidence that the| {houses they intend to build {have been sold to bona-fide pur- | | chasers. | Before applying for a CMHC {loan, the prospective hom e-| lowner or builder must first ap-| ply for an NHA insured loan. |Central Mortgage and Housing {Corporation cannot lend in large centres unless the bor- rower produces written evi- dence that he has tried to obtain an insured loan from at legst two lenders, including the bank or insurance company with which he normally does business. In smaller centre and in rural areas, where lend- ing facilities may be limited, written :vidence must be pro- |duced of at least one attempt to obtain an insured loan. As in the case of an NHA in sured loan, prospective home- owner borrower from CHMC imust have a satisfactory cred- it rating and be capable of meeting the financial obliga- tions of the mortgage loan. The annual mortgage charges for| principal and interest plus mu- nicipal taxes should not be greater than 27 per cent of the gross income of the borrow 35 Of These Men Are Ready To Provide You With Prompt, Efficient Service At... J. FOLEY EMPLOYS ONLY LICENSED MECHAN " - ICS... YOU CAN ALWAYS DEPEND ON FOLEY! OUR II ANNIVERSARY Brings Tremendous Values Your Way! 17 x 19 or 18 x VITREOUS CH less Faucet. WASH BASIN 'similar to above) 8.90 20 INA VITREOUS CHINA LAVATORY (similar to above) Less Plastic Seat 25.00 DUE TO OUR TREMENDOUS BUYING POWER... we are in a position to offer you these SPECIALS and many others . . . take advantage of these specials while this offer lasts. We sell the best and service the rest! dn The applicant must be able] COMPLETE CAREFREE HEATING The Best Quality Obtainable -- Full of Heat -- Clean FUEL OIL . . . Burning Automatic Delivery. SERVICE . . . . EQUIPMENT . . TINSMITHING . . LIFE INSURANCE PAYMENT Efficient--Prompt--Day or Night by Factory Trained Courteous Workmen. Oil furnaces in various price ranges--sized to your needs Tailor made "in our factory' warm and cold air ducts to your requirements, on time payment equipment purchases. up to five years on oil burners or furnaces. Convenient monthly payments on oil. YOU CAN BE SURE IF IT'S... »= DIXON'S == * BOWMANVILLE ®* OSHAWA ¢ AJAX ® WHITBY NO TOLL CHARGE FROM BOWMANVILLE AND AJAX -- SEE ZENITH NUMBER SERVING THE PUBLIC FOR MORE THAN FIFTY YEARS J. FOLEY PLUMBING AND HEATING LTD. OSHAWA J. FOLEY SERVICE MADE US . . . We believe our future is linked inseparably to the efficiency with which we serve our customers, and we are continually striv- ing to increase our service to help you do a better job with a minimum of delay. NO. 40 HOT WATER HEATER White Enam 10-year wa Not exactly as iW el with rranty illustrated ENAMEL STEEL BATH Taps not Included. DOUBLE COMPARTMENT CEMENT LAUNDRY TUBS TUBS ONLY 14.95 SINGLE--STAINLESS STEEL SINK 14.50 DOUBLE STAINLESS STEEL SINK 27.00 5 FT. Similar to Above 49.00 15% OFF ALL OTHER PLUMBING SUPPLIES or obligation. FREE ESTIMATES Estimates on new installations . . . Kitchens and Bathrooms remodelled and Layouts provided . . . all without charge WE SELL THE BEST AND SERVICE THE REST 319 COLLEGE "SERVICE MADE US . . ." } J. FOLEY PLUMBING AND HEATING LTD. OSHAWA 725-4241 I~ IER i BSR SEO i