Home Improvement Loans

To make your perfect home, we sometimes need a little financial help. The ideal solution is a home improvement loan. Planning to remove that rickety banister from your near perfect, mahogany staircase?  Don’t you think your ceiling is calling it quits and someday it’ll land on the floor (or on your head)? Or your double-hung windows look so ancient that you want to settle for casements instead?

So many plans, so many dreams, but you lack the means…

Luckily, we are your next-door neighbor who are willing to hand you your type of loan: Your Home Improvement Loan.
             
“Home is where the heart is” a famous author once said.  It is where you sleep, wine and dine, and where you find peace in the loving arms of your mate.  It is where you renew your spirit and your dreams find a resting place. 

All these are the blessings you derive from your dwelling place. It seems fair that when she needs a little makeover, you give it to her.

Remember, your homes reflect the kind of person you are, the same way clothes describe your personality.

A Home Improvement Loan facilitates your home’s total make-over, without causing a dent in your wallet, upfront. With repayments spread across a reasonable period, it is an easy investment to make.

Most financial institutions do not raise eyebrows on Home Improvement Loans due to these reasons: 1) improvements done on your home can increase its commercial value 2) the value of the property is commensurate to the amount of the loan 3) the capacity of the borrower to pay is determined before the loan is processed, and 4) who’d dare run away with the whole house!?

Interested parties should consider the type of loan they wish to take. If the improvements are basic and they plan to spend on a specific portion of the house only, this loan is then regarded to as short-term loans.   Long-term loans are also available.

Find out how we can help you.  Contact us through phone or E-mail for a sample quotation.

 For the perfect house where you want your children to experience the bliss of a happy and comfortable family life, would you really mind taking a loan?  It is an investment put to good use.  The value also increases per year in the real estate market and attractive homes are usually sold first.

Watch out!

Your rafters are falling…you see the need of taking out a Home Improvement Loan.  Go on.   Give us a call today!

But there are things you should watch (no, not the rafters again).  Things that may appear trivial but can have serious implications on your loan.

Spend your money straight and you have more to keep”, says the wise man whose name escapes our notice, but it has the grain of truth in it.  Spend the money on the specific purpose for which it is intended and you will not be sorry.  Most borrowers fall on the trappings of instant cash that they tend to forget the reason for the loan – they divest it on matters of less importance.  When repayment comes, they wonder: where did all the money go!

The Rule of 45 Percent applies on Home Improvement Loans.  Forty-Five Percent of your total gross income is your safety net when taking a loan.  The loan amount should not go over 45% otherwise you will not have something left for basic necessities.  It is not wise to improve your home while scraping food on your plate.

So…thinking about your rickety banister and your falling rafters? Head down to our office or simply click on our customer service and get yourself a home improvement loan! It’s worth the effort.

Trust us!