No Matter What You Do

Thursday, 5 November 2009

Credit Interest Down, Mortgage Demand Increasing

Trimming interest hoist the demand for home ownership credit (KPR). Bankers optimistic, the distribution of mortgages will grow rapidly in the fourth quarter. Some banks claim mortgage applications flooded early third quarter.

Mortgage demand surge experienced by one of PT Bank Permata Tbk. "Crawl up from July until now," said Rosalia Abadi, Head Mortgage PT Bank Permata, Wednesday (28/10). Channeling Mortgage Bank Permata has reached Rp 5.5 trillion as of end of September.

Rosalia added, demand began to increase after the Bank Permata cut . "Cutting rates to lure customers to invest in property," he said.

Bank Permata is currently set mortgage rates in the range 10.5% to 11% per year. The range of interest had been down compared to earlier years of 13% -14%.
Mortgage Demand in PT Bank Tabungan Negara (BTN) also flowed freely. "If you look at current conditions, credit growth targets until the end of the year amounted to Rp 40.98 trillion, can be achieved," said Deputy Director BTN, Evi Vishwanathan. As of end of September, outstanding BTN Rp 38.12 trillion.

This achievement exceeds expectations. "Throughout this year there are at least disbursement of Rp 16 trillion," said Evi. From the target, KPR BTN has channeled more than Rp 13 trillion.

Current mortgage interest rate peg BTN approximately 12%. This figure is down from earlier years still ranges between 14% to 15%.

While mortgage loans in Bank CIMB Niaga sepesat not its competitors. Per end of September 2009, Bank Niaga outstanding amounted to Rp 12.4 trillion, tends to the flat from the end of June 2009, Rp 12.5 trillion.

In fact, if calculated on an annual basis, this figure is 6.76% lower compared with the September 2008 position of Rp 13.3 trillion. "Distribution of the low in the early years because the interest is still 13% -14%," said Vice President Director of Bank CIMB Niaga D. James Rompas. Currently, mortgage interest CIMB between 9.9% to 12%.


A little story about the mortgage

When you think of mortgages that enable thousands of people to acquire homes every year, you are thinking of the Benchmark Lending group which has provided much needed finances to get new homes or refinance the existing homes to many families for over ten years. They offer tailor made mortgages to suit the needs of customers ensuring that you can afford it. They make this happen by considering the cash flow of every customer. They also consider the repayment period, investment opportunities and your equity plans. The Benchmark lending group was founded by Barney Aldridge in 1995 as a primary mortgage lending bank and it continues to grow. Customers can expect no hassles and there are no middlemen. The headquarters are located in Northern California and their culture is to provide a good service with dedication and passion.

When you need to apply for a loan, the company assures you that the process is easy and, you do not have to worry about complications. You will have a loan officer guide you through the whole process briefing you on all vital issues on credit until you have a satisfactory end. At Benchmark lending group, the management consists of people who have mastered the industry and proved that they can deliver what it takes to progress the business. It consists of the President who is the Chief Executive officer. His name is Jason Ehrlicher and he began as a loan officer in the company and years have seen him become capable and able to lead owing to his rich experience and dedication to the company since it began.The others in the management team include the Director of Human Resources, Vice President of Sales and the Sales Manager. The first kind of loan they offer is the Fixed Rate Loan where the rate does not change and one can get a loan to repay in 10, 15, 20 and 30 years. People who go for such a loan must be planning to keep their house for more than 10 years and, for those who do not plan to use their home equity for the period of the loan. The other kind of mortgage the Benchmark Lending group offer is the adjustable rate mortgage. This loan is for people who plan to keep their house for up to 10 years or less. The duration for this kind of mortgage is usually 3, 5, 7 and 10 years.

A freedom loan from Benchmark Lending is the most popular because it is an adjustable loan that enables you to choose from 4 different payment methods according to your convenience every month. The loan is tailor made for people who do not have a regular or stable cash flow and for people who want to make other investments. Another loan suitable for people with fluctuating incomes is the Better Half loan and, it will help people with unstable monthly income realize their dream of owning a home. There are very many other options to choose from and, you can even apply online on their site. There are other resources that you will find very helpful. Before you take any mortgage, it is good to consider your income and your flexibility and ability to repay given the many options of repayments. Get a good system that will help you realize your dream for a good home.

Peter Gitundu

Monday, 19 October 2009

Home clock can be your lucky indeed?

Some people believe it to install the clock on the wall behind the main door, with the assumption that the round or the ticking clock can draw sustenance of Qi or air to flow into the house.

Such beliefs are difficult to explain. The origin of this concept comes from the description Fengsui Symbolic, which uses ticking clock as a symbol of a sustainable life in the house.

The house is often empty or the occupant would go, is feared to be quiet and die, and will improve the quality of Yin / negative energy.

Therefore, the house must be filled by a form of life, and the clock is one of the symbols used in Feng Shui.

Type of clock is often used to frame a circle or octagon (as the embodiment of Ba Gua). (Tabloid Rumah / Mas Dian mre)

Marbella Suites Apartment in Bandung Ready Marketed

Around 70 units of apartments Marbella Suites at Jalan Dago Pakar Center, Bandung regency, West Java, ready for the market. Apartments with 15 floors that offers cool air and the panoramic hills in the area of northern Bandung.

President Director Marbella Group Kosmian after the soft opening Pudjiadi Marbella Suites in Bandung, Wednesday (9 / 9), say, the price of the unit with one bedroom is Rp 400 million, two rooms for USD 700 million, three-bedroom Rp 1 billion, and five rooms for USD 2.5 billion-USD 3 billion.

All units equipped apartment living room. Suites Marbella old building about 18 months. The building was equipped fitness center, restaurant, conference rooms, and swimming pool. Currently, units are already available in one tower, which is Barcelona.

As many as two other towers, namely California and Athens, will be built. California planned to complete the tower was built in two years. The schedule for completion of the tower has not been established in Athens. Marbella Suites others will be built, namely in Bali are planned for completion in 2011, as well as Perth and Sydney, Australia, which is expected to operate at the end of 2012.Kompas

When tempted New Electronics Products

The more variety of electronic products for home appliances with newer features often tickled the hearts and minds to be acquired. Example simple as washing machines, television, or microwave periodically issued an intriguing new invoasi. If you do not want to be called as a consumer, consideration is necessary.

Electronic goods are damaged do not necessarily have to be replaced with new ones. Could have such goods can still be improved, so you need not spend more. Do not hesitate to ask the total cost of the necessary repairs and compare when you buy a new product. If the difference is significant, much cheaper than buying new, of course, better not to buy new.

Ask also if the improvement is still under warranty and the estimated selling price after repair, if an emotion will be sold. This could be one of value for your benefit.
If you have prepared to buy new electronics, consider the warranty period and after-sales service. With after-sales service is good, you'll be much easier to deal with problems that may arise in electronic products recently purchased. Company's credibility will be reflected from it. You can search for information by relatives who experienced buy products from these companies.

Consideration of the features that are available and the advantages compared with the old product. Adjust these features with your needs and activities of daily so no wasted features. Loss feels when buying sophisticated goods with high prices, but ultimately could not be utilized well.

For that should never tired to look for information about technological developments of the desired product. The more information you may know, the more easily make a choice. But do not forget to consider ease of operation. These features are designed to make it easy for you rather than vice versa.

Finally do not just drift off with sophistication, but also consider that if the electric power required for electronic products.

Think carefully and wisely, that was the key.

Sunday, 18 October 2009

Brain smart with Ginko biloba

When the memory capacity decreases, easily forgotten and hard to concentrate, that
sign has been a decline in brain function. Age factor has a major role in this respect. To overcome this serious and result yanglebih, taking supplements often become the primary choice. In this case the plants or herbs containing Ginko biloba be a promising option for these plants proved to be reliable and improve brain function decline as improved memory and concentration power. Like the existing kasiat in Centella asiatica. Even trusted also able to enhance one's sex.
Ginko Biloba works by the blood flow throughout the body especially the brain and inhibit blood clotting process.
Dr. Sulistia, FKUI SpFK from Cipto Mangunkusumo Hospital revealed that Ginko Biloba is a herbal medicine which can help blood circulation so that when we experienced a decline of brain function due to lack of blood flow smoothly, with Ginko Biloba consuming it can be overcome.
"By taking Ginko Biloba blood flow to the brain and the body becomes smooth so that the cells in the body to receive nutrients and oxygen better. Not only enhance brain function, Ginko Biloba berkasiat also enhance the vitality of the body, reducing the risk of heart disease, vertigo or pengihatan spinning, tingling and other disturbances related to blood flow. " Obviously.
In China, the doctors there have been using Ginko Biloba for improved memory since hundreds or even thousands of years ago.
Ginko Biloba in America known as the longevity of plants because it can encourage the regeneration of body cells. Research in the U.S. also revealed that 60% of the samples studied showed an improvement in the circulatory system and increased activity of the nervous system.
Ginko Biloba, however not in vain consumption. The dose of ajurka go round between 40 mg - 80 mg daily 3kali. And the only people who did have blood gangguanperedaran are encouraged to consume them. Because if consumed by healthy people who are not susceptible to interference, then Ginko Biloba kasiat not be felt. Moreover, children who are generally still healthy and active and did not experience any disruption in the circulatory system. Let us not be lured by advertisements that said Ginko Biloba can educate the child's brain. It was not just benar.Karena Ginko biloba was kasiatnya if consumed by people who did have a circulatory disorder.
If you are experiencing the same thing mentioned above, please try to take Ginko Biloba. There must be improvements that you can feel.



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