Top 4 Don’ts During the Loan Process

A lot of you here, who are planning to invest in an Alveo land Cebu, might also be thinking of availing a housing loan.  Well, hands up if you are one of those people who wish to avail a housing loan! Of course, availing such loan can really help you when it comes to finances, especially to those homebuyers who have a hard time coming up with the exact cash for the down payments.

Yes. Availing a housing loan is really helpful for some homebuyers. However, loaning can also be demanding and daunting. If you don’t know any of the loaning policies and how it works, then it might be one of your financial problems later on. That is why, there are certain loaning obligations that you need to follow and things to avoid for you to have a successful loaning process.

Unfortunately, there are some homebuyers who avail the housing loan fail to follow certain things which leads them to face financial complications. Well, if you are one of those people who wish to avail the housing loan, then these are the things below that you should not do when you are in the process of loaning.

1. Don’t make a major purchase (car, boat, etc.)

When you plan to avail a housing loan, you have to remember that you are borrowing money from the lender. You need their money for you to purchase a property and pay them back later on when you already have the budget. That means, the money that you have is only intended for the property and not with the other things that are costly.

If you want to have some major purchases, you have to think twice before deciding to purchase it. Well, for you to avoid complications, you have to weight which is more useful, is it the property, car, boat, and/or any other things that you want to have. Make up your mind and make it as your priority.

2.  Don’t apply for new credits

For some homebuyers, if not all, having a credit card is a no-no for them. Why? Because it is a temptation! Yes. People can buy anything that they want to have, but don’t you know that, that is also one of the reasons why people face some financial problems. Since they can purchase anything that they want, they have the tendency to buy and buy the things that they want to have without knowing the debts that they are making.

Well, if you are applying for a home loan. Try not to be tempted by having and/or applying for a new credit card.

3.  Don’t lose contact with the lender

Constant communication between you and the lender is a must thing to do when you are in a housing loan process. The tendency of not constantly communicating with the lender is that, you will not know what things that are needed to do for you to have a successful loaning. Also, through communication, you will know who much money should you still pay for you to be fully paid with the loan.

Don’t ever try to escape the lender, it will only give you trouble and you might end up in the court. Well, you really have the need to keep in touch with the lender to avoid any further complications.

4. Don’t start any home improvement projects

Starting any home improvement project means, you have the need to spend some money for the expenses on the renovations. That also means, you are spending you money in some other things instead of focusing on one loan that you still have to pay back.

If you are planning for some renovations, perhaps you can do it after you are done paying your housing loan. With that, it is easier for you to know and prioritize the things that you need to pay.

Following these simple don’ts above when it comes to the loan process can save you from financial complications that you don’t want to face. Of course, even if these tips above are some of the common tips, but it can make a change when you know how to discipline yourself when it comes to borrowing or loaning money.


7 Brilliant Ideas for Modern Bedroom Lighting

Hands up if you are one of those people who usually stay in bedroom longer than any other place in Alveo condominium Makati! I bet, there are a lot of you here! Who doesn’t, right? Especially when you can have a comfortable and relaxing stay whenever you are in your bed, you’ll definitely want to stay in your bedroom.

The bedroom is one of the important places in the house. Without your bedroom, it will be harder for you to have a satisfying rest whenever you want to. Considering the stress that we usually have from work or from school, you will really need a bedroom to get enough sleep and/or rest. However, needed as it may seem, you still would not be satisfy if you don’t have a good room.

Well, if you are one of those people who love to stay in a room where you can have your perfect rest, decorating your room with lighting can be one of the things you can do to make your room a better place to stay. Now, here are some brilliant ideas on how to make your bedroom a modern one through the lightings.

1. Traditional chandelier

If you are a kind of person who loves to have some antique things, you can try having a traditional chandelier in your bedroom. Of course, the light from the traditional chandelier will give you another level of having a typical light bulb that people usually install in their ceilings and/or any other place that they want to have the light.

2. Ceiling design with hidden led lighting fixture

If you want something new when it comes to the lighting of your bedroom, then why not try having a led lighting fixture installed and make it as one of your decoration or design in your ceiling. With that, most parts of your ceiling will be light up, and of course, will also illuminate the entire bedroom.

3. Cool lighting for bedroom with blue idea

One of the best choices when you want to have a cool bedroom – that is to have a cool color scheme on your lighting. when it comes to choosing the right color, one of the best cool color to choose is the blue color. Blue lighting can give you a feeling where you can be at ease just by staying on your room. Also, you’ll definitely have a good night sleep, especially when that particular light illuminates the entire bedroom.

4. Traditional table lamps

If you are one of those people who really into lighting and brightening up their bedroom, one of the things that they must have is the lamp. Of course, to make it nicer and elegant to look at, you can definitely choose a traditional table lamp. Well, you can choose where to place your lamp. You can put the lamp where you want in your room, for as long as it can still illuminate the entire room.

5. Mirrors behind lamps on night stand

Beautifying your bedroom is not just about the lighting, it is also about how you arrange things which compliments with each other. Having mirrors behind the lamps is one of the examples you can have to bring your bedroom to the next level of room beautification.

6.  Under the Bed Lighting

Aside from the lights on your ceiling, another place where you can install your lighting is under your bed. Yes. It is also one of the ways where it adds beauty to your room. Well, you can have whatever color of the light that you want to have, for as long as you like what you choose.

7. A Starry Night Bedroom

If you want to have a fancy bedroom, you can definitely decorate it with series lights where it looks like a starry night in your bedroom. You will definitely love it since it will be nice to look and/or even stare at. This is also one of the ways that you can beautify your room.

It doesn’t matter what kind of lightings you want in your room for as long as you like it and you will feel satisfied with the lightings that you choose, then you will have a bedroom that you can be proud of, and I tell you, you will definitely love to stay in your room.

4 Ways to Choose a Good Housing Loan

A lot of you here might wonder, am I going to be okay if I decide to have a housing loan? Am I qualified? Well, if you are one of those people who want to invest in an Alveo bgc, there will be a lot of opportunities in store for you. Of course, who don’t want to invest in a housing loan when you know that you can also benefit from it?

Choosing the right housing loan for you can sometimes be demanding and daunting. You have to make sure that you will not going to fail on this, since we are talking about borrowing some cash for you to have some down payments on the property that you want to have.

Of course, we all don’t want to have some frustrations when it comes to that matter. That is why, we have to be very careful when choosing the right housing loan for us. Yes. There are a lot of housing loan that we can choose from. The question is, is it really fit for you? Are you going to be okay if you choose that particular housing loan? Well, here are some tips for you to have a smooth process in choosing the right housing loan for you.

1.Talk to a mortgage broker

If you are kind of person who don’t have any idea on what to do when it comes to housing loan, then it is best for you to ask some help with a mortgage broker. He/she will be the one to let you understand what are the terms and conditions when it comes to borrowing some money and the modes of paying it.

Also, when you hire and/or consult a mortgage broker, it is easier for you to make the process of investments done. You don’t need to worry too much when it comes to the policies of the housing loans, since they will help and guide you all throughout the process of loaning.

2. When choosing a lender, make sure to compare fees across all lender types

When you are on a tight budget and you want to have an affordable housing loan, you can definitely have one when you know how to compare their fees. Yes. There are lenders that are affordable yet they don’t compromise their offers with the clients. They still have a qualify offer in store for you. That is why, you have to check their fees before deciding to choose the right housing loan.

Also, don’t rush things and inquire with just one housing loan. There are a lot of housing loan programs that are in store for you. All you have to do is carefully choose what you need and what fits you the most.

3. Consider government-backed programs in your list of lenders

Aside from private and well-known housing loans, you also have to consider housing loan programs that are government-backed. There are a lot of government-backed programs that you might want to avail. Of course, they have also  a good offer when it comes to loaning a house.

SSS or known as the Social Security System is one of the government-backed that is offering a housing loan programs for their members. Well, if you are one of the SSS members, then you have the chance to avail their housing program. Also, don’t forget to check the details of the program to know whether it fits and/or the right housing loan program for you or not.

4. Spend time to have a home purchase fund while choosing the right housing loan
If you have some cash for the down payment, even if it is not the exact amount, the impact of your housing loan will not be that big since you have at least paid the half of the down payment of the property that you are going to invest.
Also, it is easier for the lenders to lend you some cash, since they know that you can pay them back in no time. They will also know that you are capable in paying the said amount of your housing loan.

Top 5 Ways to Repurpose Rain Gutters

Designing – that is one of the things that we want to do when it comes to beautifications in our homes in Amaia land Lipa. Designing your home is the time where you can have and make your own idea into one of the decorations at your home. It is also when you will feel contented of the things around you.

There are actually a lot of ideas that you can think of when it comes to the decorations that you want to have in your home. You can have some DIY projects where you can just choose whatever materials that you want to have for as long as it can still be of use.

Using of rain gutter, for example, is one of the things that you can choose from. You can find the materials from your backyard or any other place where there objects that you can choose from. If you don’t have any idea on what to do, then you can have these tips below on how to repurpose your rain gutters in your homes.


1. Rain gutter trees

If you are a kind of person who is into planting and/or gardening, you can use a rain gutter to hang up your plants. You can arrange it the way that you wanted it to be. Of course, it is also one of the advantages when you are going to put the plants in the rain gutter, since it is easy for the water to penetrate the plants.


2. Rain gutters book shelves in kids bedroom

When you are a parent, it is your responsibility to make your kids feel comfortable on the place he or she is living. When it comes to their room, it is also your responsibility on how you can beautify it the way they wanted it to be. That is why, using of rain gutter is one of the things that can also add up the beauty of their room.

Of course, you can use the rain gutter as their book shelf where they are just going to be easy to get their books. Also, you have to make sure that the gutter is just reachable enough for the books to be accessible for them.


3. Beer gutter picnic tables

There are a lot of things that you can think of when it comes to repurposing your rain gutters, and converting it into a beer gutter in picnic tables is one of those things. When you are up for a house party and/or any other occasions that is held on your house, the beer gutter is very useful when it comes to your drinks.

Of course, you just have to make sure that you are going to put some ice on the gutter for the drinks to be cold enough for you to drink later on.


4. Hanging gutter garden

If you are one of those people who just love gardening, then this is one of the common things that is usually found in your backyard and/or in your garden – a hanging gutter garden. It is an easy DIY project since all you have to do is hang the rain gutters on the place that you want it to have.

When you have a hanging gutter garden in your backyard, it is also nice and refreshing to have and look at. Of course, you can have different flowers and/or any other plants that you want to plant in the rain gutter.

5. Vinyl gutters perfect for storing spray paint cans

If you have a lot of things, like spray paint cans in your backyard, then you can definitely use vinyl gutter as one of your storages. You can use it for as not to look messy on your backyard. Also, it will be easy on your part since you can immediately see and identify the color that you want to use later on.

These are just some of the things that you can have when you are going to use and repurpose your rain gutters. It doesn’t need to be that expensive since you can definitely find it in your backyard. Also, you can beautify it the way you wanted it to be. You can paint your rain gutters to look more nice and neat to look at.

7 Reasons Why Filipinos Should Invest in Townhouse

It is everybody’s need to have a nice and comfortable place to live in, right? Who doesn’t? However, there are still a lot Filipinos who still don’t have their own place to stay.  Of course, just like other homeowners who are living in a nice and decent place, people who don’t have their own home wants to have one. Well, they don’t have to worry since they can definitely invest in a townhouse Manila.

For some, investment is a dreadful word. Perhaps, they are afraid of taking some risk when it comes to money matters. Of course, you cannot invest something without talking about finances. When you invest in a townhouse, you are not just investing your money, but also your future.

Well, if you are a kind of person who is still not convinced when it comes to investing, then here are some common reasons why you should invest in a townhouse.

1. You are actually paying for a house and lot

There are actually a lot of property owners who offers rent to own townhouse. Well, it is definitely be a good news for every homebuyer sine they are not just renting for nothing, they can actually benefit from it. Also, they are not just paying for their stay, there are paying for their own home. So, it would be a win-win situation for the both party.

2. Townhouses are usually situated in prime locations

Townhouses are a decent place to stay. Not just having a nice and comfortable home but also, you can definitely have a good location in your place since most townhouses are usually situated in prime places/locations. It would definitely be a convenient for you to go to the places that you want to go since the place is accessible enough for you to stay.

3. It comes with free parking space

If you have a your own car, or you are planning to buy your own car, you don’t have to worry about the parking space in the townhouse that you are going to buy since it comes with a free parking space. Of course, the free parking space that is intended for your car is ample enough for your car to fit.

4. You get more space in your home

When you invest in a townhouse, you will have enough space for your home. Of course, it is enough for your belongings to fit in. also, even if you have a lot of things that you need to have in your house, you don’t have to worry since you can still have enough space for you to enough.

5. There are a lot of visual and interior design opportunities

Some of the townhouses, if not all, are already ready to occupy. You don’t have to worry about what you need to do with the interior design of your house since it is already fully furnish. All you have to do is move in right away. Also, there are townhouses that have already furnitures included inside the house. Kitchen wares, furnitures for your living and/or for your bed and any other things that you will need for you to live comfortably.

6. Your neighbors are your own additional home security

If you are a kind of person who has a concern when it comes to their safety, then you don’t have to worry since your neighbors will also help secure your environment. They are not just your neighbors but also, you can also trust them when it comes to securing the place.  Well, if you have many friends in your neighbors, then it will also be to your advantage.

7. Townhouses have more privacy

When it comes to townhouses, you can guarantee that you will have your privacy. Of course, even if you have your neighbors, they don’t invade your privacy. They will respect you like the way you respect them when it comes to their privacy. So, you don’t have to worry if you have some secrets that you are hiding, they don’t care what you do with your life.
These are just some of the advantages that you can get when you invest in a townhouse. Well, it will really be up to you whether you want to invest in a townhouse or not. But if you do, you will not regret investing one.

How can a Premium Condo be Affordable?

A premium condo that is affordable, seriously? Well, let’s admit! When we hear the words condo investments, we usually think of having a bag full of money, right?! Especially when we talk about investing in a Rockwell condo Makati, ‘expensive’ is what comes first in our minds. Of course, it is one of the normal prices whenever you invest in a real estate.

Well, think again since Rockwell primaries a branch of luxury developer Rockwell Land came up with the concept of an “affordable premium” condos that fit within the budget of the Filipino families. It is a good news, isn’t it?! Well, if you are one of those Filipino families who are planning to invest and live in a condo, then you don’t have to worry since you can now have a condo unit within your budget reach. There might be some of you here might be stuck of the thought, why and how come a premium condo be affordable. What makes it affordable? Well, to answer your concerns, here are some things that came up with an affordable premium condo.

1. Convenient location

One of the most important factors when home buyers choose is the location. On how convenient it is for them to go to the places that they want to go, on how easy they can access the transportation without any hassle in having a long waiting line just to ride a vehicle, and on how easy it is to find the location of the condo that you are staying and/or living. Of course, when we talk about a convenient location, the condo that you are going to stay is in the heart of the city, and/or any other place for as long as you can easily access the place to wherever you want to go, be it in hospital, schools, shopping malls, leisure areas and business districts and/or any other places that you want to go. Also, it is not just being convenient to you, the place is also safe and secure for you to live in.

2. Impeccable design

Some of you might think that the design of the condo that you are about to stay is not satisfying enough since it is just an affordable condominium. Well, you have to think twice! Even if it is affordable, the structure and the interior design of the condo unit is good enough for you to be satisfied living in a particular condo unit. The condo might be affordable for you to pay yet they don’t compromise the quality of the condo structure that you will have. of course, you will not see any cracks or any other structure errors in your condo unit since they make sure that your stay will be good and satisfying enough.

3. Reputable developer

Having a reputable developer in a particular condo is one of the factors that influence someone to buy and/or invest in a real estate. Of course, who would stay and/or live in a building when you don’t know who that developer is. Whether they build the condo with a quality structure or not, really matters to us homebuyers and owners. When one knows that the condo is built by a well-known and reputable developer, every homebuyer is confident enough to live in a safe and secure building.

4. Useful amenities

Of course, when you live in a condo, you can definitely use their amenities. You can enjoy their swimming pools, their gym, their bars, their spa and any other amenities that are included in the contract. However, there might be some of the amenities that you cannot use since it might be exclusive to those homeowners who paid the premium condo price. But still, as a homeowner, you can still enjoy and have fun with the amenities that you have the access to. Well, if you have plans on investing in a condo, then why not try investing in an affordable premium condo. In that way, you can enjoy a healthy and satisfying lifestyle without worrying about the price since it is just in your budget reach.