Monday, July 27, 2009

Smarter, Simpler Home Loans

At the end of every month, B and I will pool our earnings and I'll start paying our monthly bills and loans. I am in charge of paying the bills and will normally start with the ones that take up a huge chunk of our combined income.

Among the several loans we're tied down to, our 30-year home loan remains our
biggest priority. It is due on the first of every month, so by hook or by crook I ensure payment is made before then. If you're currently financing a home loan like us, you can probably understand the burden this plays in your monthly finances. I refer to it as a burden simply because it is the biggest loan amount we are obligated to pay every month; one which does not tolerate default or late payment. takbole

Owning a home is a huge commitment that ties you down for many years to come so it is ideal to find out all the available home loans options before deciding on one that is best suited to your financial capabilities and goals. Today's home loan market is very competitive and if you're new in the neighbourhood; you might find yourself completely lost at first. Worry not however for there are plenty of help online to steer you in the right direction for a low-interest, money-saving mortgage and this is where GetSmart comes in.

A leading online financial marketplace,
GetSmart make it their mission to help you compare and secure the lowest mortgage rates from top lenders. All you have to do is fill up a very easy 2-minute form to be instantly matched with up to 4 competing lenders; immediately narrowing your choices to the best out of over 200 lenders in their network. With GetSmart, you can finally own the dream home you've always wanted whilst saving money on mortgage too. Enjoy your dream home the smarter, simpler way with GetSmart! senyumkenyit

-FC Scoreboard points for my first THREE commenters-



LadyJava,  July 27, 2009 7:49 AM

:-$ :-$ :-$ :-$

Phatelara,  July 27, 2009 7:50 AM

Chop!! :-P :-P

Phatelara,  July 27, 2009 7:51 AM

Morning, Marzie! happy zzz-ing! :)

LadyJava,  July 27, 2009 7:52 AM

heheheheh... at least after that 30years.. the hse is yours dearie.. so kaya after

LadyJava,  July 27, 2009 7:52 AM

hi Debbs!!

Mariuca,  July 27, 2009 7:55 AM

Yay LJ FC1! Silly screamyx disconnected me for one hour just now!

Mariuca,  July 27, 2009 7:55 AM

Debbs! FC2! Yay!

Mariuca,  July 27, 2009 7:55 AM

Debbs long time no chop! 11 points edi and a few more days to secure ur top 3 spots. Keep on chopping cutie!

Mariuca,  July 27, 2009 7:55 AM

Morning Debbs, am gonna zzzzzz and wake up LATE! He he… enjoy ur brekkie!

Phatelara,  July 27, 2009 7:56 AM

Hi LJ! :):)

Mariuca,  July 27, 2009 7:56 AM

That’s true LJ but the loan mcm tak reduce je kan… payments mostly go towards the interest. ;)

Mariuca,  July 27, 2009 7:57 AM

Morning LJ, will add ur point after I wake up nanti, nite nite! :)

Monica,  July 27, 2009 7:57 AM

:* :* :*

Monica,  July 27, 2009 7:58 AM

Morning Mariuca!

Phatelara,  July 27, 2009 8:12 AM

Hola Marzie! Yay me!! :)

Phatelara,  July 27, 2009 8:13 AM

Oh yay! Long time no chop indeed! :) Thanks Marzie! I will try to chop more. Since I came back, I haven't been doing any work lol!!

Phatelara,  July 27, 2009 8:13 AM

I haven't slept either, Marzie, but I'm gonna have brekkie! :)

Ane,  July 27, 2009 9:56 AM

Ooh.. B and I are lucky cause we don't have a huge loan like a home loan to pay off.. I think the most expensive thing we pay for is Chakai's tuition.. *DONT_KNOW* *DONT_KNOW*

Nick Phillips,  July 27, 2009 10:05 AM

At least you're living in your house. I'm stuck with paying for a loan for a bloody condo that's been abandoned for years now ... siggghhh ...

TH,  July 27, 2009 11:34 AM

so late to chop hehe..

TH,  July 27, 2009 11:34 AM

home loan now we car loan

Tekkaus,  July 27, 2009 5:23 PM

Maybe I'm gonna consider it when I'm buying a house. Haha :)

fyzal,  July 27, 2009 5:31 PM

can't wait to finish study, getting job and have my own house :)

TH,  July 28, 2009 10:57 AM

I want own a home but its not that easy

Mariuca,  July 28, 2009 2:30 PM

Oh we have both home loan and car loan to worry about monthly TH! He he! Wah new car ke???

Mariuca,  July 28, 2009 2:30 PM

I posted this late too, as in early in the morning TH, then went to zzzz! :)

Mariuca,  July 28, 2009 2:30 PM

Nick! Still have to pay for the bloody abandoned condo ah? But they’re not continuing the development right? Still have to pay? I’d be furious too Nick, is there any way you can get out of it? Sakit hati right pay for nothing! :(

Mariuca,  July 28, 2009 2:30 PM

Hi Ane!

Mariuca,  July 28, 2009 2:30 PM

You got no home loan to worry about Ane, not even your current home? Oh that’s great, we have to deal with ours every month and I have yet to make payment this month. Must remember to do so before the first! $$

Mariuca,  July 28, 2009 2:30 PM

I am up now Debbs, having coffee but none too happy with this lack of internet! :(

Mariuca,  July 28, 2009 2:30 PM

Yeah Debbs! Thanks to your many chops before ur vakasi, u’re still in my top 3! Now tied for number 2 with Shemah, 11 chops yeeha! Oh sure la will be in lazy mode after vakasi Debbs ha ha!

Mariuca,  July 28, 2009 2:31 PM

Hola Debbs, yay you are back! :)

Mariuca,  July 28, 2009 2:31 PM

Morning Mon! Oh no screamyx disconnected me again! Replying offline now. :(

Mariuca,  July 28, 2009 2:31 PM

Monica! FC3! Yay!

Mariuca,  July 28, 2009 2:31 PM

LW PB this one LJ! :)

Mariuca,  July 28, 2009 7:37 PM

:* :* :* TH!

Recent blog:=- MM - Always by Pebbles **

Mariuca,  July 28, 2009 7:44 PM

Hey Tekkaus, I'm back online LOL! Melaka houses are cheaper right Tekkaus and there are some really nice ones too. 8-) 8-) 8-) 8-)

Recent blog:=- MM - Always by Pebbles **

Mariuca,  July 28, 2009 7:45 PM

Lama lagi tu Fyzal ha ha, enjoy ur student life for now, no worries abt buying house and all that! :* :* :*

Recent blog:=- Feeling Blue! **

Mariuca,  July 28, 2009 7:50 PM

It's not easy yes but am sure u and hubby will find the perfect one TH! :) :)

Recent blog:=- Feeling Blue! **

ayie,  July 30, 2009 12:34 PM

Hi Mariuca! we have yet to face that soon, still searching for our future home ;)

Recent blog:=- Wordless Wednesday: Rail Road Crossing

Mariuca,  July 31, 2009 9:49 AM

Oh yeah I remember u mentioning that Ayie, u guys still searching for that dream home or has one caught your fancy? :)

ayie,  July 31, 2009 12:37 PM

still searching, need $$$$$$$$$$ too! haha! We can't design our own house here just yet coz it will be more expensive to build from scratch than buy. Goodluck to that! :-P

Recent blog:=- Wordless Wednesday: Rail Road Crossing

Mariuca,  August 03, 2009 3:34 PM

Of coz Ayie, designing ur own home would be oh so expensive although that would be the most ideal. We can plan what we wan to have in our home and all that. Good luck in ur search Ayie. :)

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