Gathering Design Ideas for Your Interiors
Tuesday, March 5
Home design is something that the vast majority of us focus on at some point or another. At the end of the day, your home is likely to be the most expensive investment you make in your life. You’re going to want to make sure it maintains its value. Your home is also the space you’re likely to spend most of your free time, so you’re going to want to make sure that you feel comfortable within it. Finally, your home is where you’re likely to entertain guests, so you’re going to want to make sure that it reflects your tastes, interests, and personality well. Interior design can help you to achieve all of these things. But with so many different styles of interior design out there, how can you decide which elements to use yourself? Here are a few suggestions that will help you to gather ideas for your interior design and implement them well!
See How the Professionals Do It
Wireless speakers that will power up your next party idea!
Monday, December 18
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Practical Tips in Redecorating Your Home with Uratex Monoblock
Wednesday, May 24
Redecorating your home is an exciting activity that allows you to transform your living space into a reflection of your personality and create a welcoming environment for yourself and your family. Whether you're simply organizing and tidying up or completely revamping your home with new furniture, these practical tips from Uratex Monoblock, a leading brand of high-quality, stylish, and durable plastic furniture will guide you through the redecorating process, helping you make informed decisions and ensure a stress-free experience.
Tip #1: Envision Your Space
When decorating a space, it is essential to start with an end goal in mind. Determine the style and atmosphere you want to create in each room and plan accordingly. This will help you avoid unnecessary expenses and give you a clear direction for your project. Consider consulting with friends, family, or researching online for inspiration and ideas.
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Pro Tip: Create a draft floor plan to visualize the placement of furniture and identify potential activities for each area.
Tips for Buying an Old Home
Friday, October 1
Are you thinking about buying your first property? Alternatively, you could be considering purchasing a second home as an investment. In either case, you could be looking at older homes. There are benefits to buying older homes. First, they’re typically going to be cheaper and more affordable. You’ll likely be able to find great prices using a mortgage quote comparison, meaning you can save money for any renovations that need to take place. This should limit the risk that comes with the investment. They might also provide character which some people love. It saves them from purchasing a home that looks like it came out of a cookie-cutter. There’s not a lot of creativity when it comes to modern homes. Some people also argue that older homes were built to a higher standard of quality. However, while there are certainly benefits, you need to be cautious when you make this type of investment. Here’s why.
Getting a Home Refrigerator via Home Credit Philippines
Wednesday, September 25
Getting a home appliance for me is such an investment especially if it's for my family's benefit. Storing and stocking fresh produce for my kids is now easy and will be a great tool for me to also start a small business sideline.
What is Home Credit?
Home Credit Philippines has been providing no-collateral loans in the country since 2013. The lender is a part of Home Credit Group, a global consumer finance provider. Loans are available to Filipino citizens only, 18 to 68 years old, with stable income as employees, entrepreneurs, self-employed professionals, and pensioners. Home Credit Philippines offers two types of loans: a non-cash loan (through in-store financing) and a cash loan.Home Credit Standard Loans
The standard loan is Home Credit's core financial product. It is a non-cash loan that allows borrowers to purchase high-ticket items like laptops, cellphones, gadgets, musical instruments, home or office pieces of furniture and in my case home appliances. This is the product that we availed, we chose the 2-Door Refrigerator from Fujidenzo which costs around Php9,298.00. We applied for a loan and submitted 2 IDs and answered the questions from the Home credit agent and gave a downpayment of around Php6,000.00 which makes our monthly amortization to around Php490.34 monthly for 9months! It's quite affordable for us considering the price and the brand.Key Features of Home Credit Standard Loan
- Loan amount: Up to PHP 50,000 for mobile phone purchase or PHP 100,000 for all other qualified purchases
- Interest rate: Varies depending on the purchase price, chosen down payment, and chosen repayment term (Home Credit doesn’t publish its interest rates, but based on computations using its online calculator, rates range from 29.28% to 73.13%.)
- Repayment terms: 9, 12, 18, or 24 monthly installments
- Loan fees: Processing fee worth 3% of the loan amount
- Requirements: At least two valid IDs, at least one being a primary ID (SSS ID, UMID card, PRC card, driver’s license, passport, and voter’s ID) and with an address
- Store availability: Any of Home Credit’s 3,500 partner retailers in Robinsons and SM malls, including Abenson, Automatic Centre, and Western Appliances
- Brand availability: Samsung, Oppo, Acer, ASUS, Toshiba, LG, Nokia, Sony, Huawei, and more electronic brands
Getting Approved with Home Credit Philippines
As for us getting approved was a breeze, although the questions made by the sales agent was quite personal and long (talk about personal background, salary/sources of income, monthly expenses, etc). Also, once you're there at the store or at the establishment where you plan to buy or loan be sure to bring your cellphone as they will be sending verification codes as part of the approval process. After an hour we arrived home and just waited for the delivery of the item. We were so happy because it was really hassle free, we just paid 350 pesos for the delivery charge.How to Pay for your Home Credit Loan?
After we had our loan approved, the next step in the process is an orientation on how to pay for your loan and also the monthly installments. Here is a breakdown of my monthly installment for 9 months:
Overall for me is a good experience overall. Will I recommend it to others? Yes, absolutely. But Just one tip I can say is to pay your downpayment at a higher price to avoid excessive interest rates.
Credits and sources: moneymax.ph
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