Home and Living

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


Filipinos have an innate love for celebrations and getting together with their loved ones. As we step into the festive months, the joy of the holidays becomes even more pronounced. With holiday breaks offering more time to spend together, we make the best of the season by enjoying festivities through dance and music, creating memorable moments, and filling them with soulful rhythms and melodies. 

As one of the trailblazers in the audio industry, Sony has been producing top-notch quality products that take every party to the next level. Its newest additions to the X-Series models – the SRS-XB100 portable wireless speaker and SRS-XV800 wireless party speaker — can elevate experiences by transforming ordinary gatherings into extraordinary celebrations. Want to know the secret to spicing up your party? Here are some ideas to have a blast at your next get-together! 


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.



Pro Tip: Create a draft floor plan to visualize the placement of furniture and identify potential activities for each area.

Getting a Home Refrigerator via Home Credit Philippines

Wednesday, September 25

Hi guys! It's been a while since I posted an update re our family. As you all know, we just moved last February to our new apartment just here in Cebu. We are planning to settle down on our since last year December but just this year we have finally moved and one thing I got to say, it was the best decision we have ever made. You see moving as a family with kids around can be a hard task most especially that they will go through a phase of adjustment and also us managing the house just on our own. Or make that my own since the husband is mostly out to work. Most of the things we were struggling upon moving was getting our stocks ready and our food fresh. Hence, getting a home refrigerator became one on top of our priorities! Good thing we were able to purchase with Home Credit Philippines. 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. Summer New Arrivals

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.  
 
View this post on Instagram
 
 
The foodie in me is so giddy because we're finally getting our very own first home refrigerator! ๐Ÿ˜๐Ÿคฉ . . Thank you so much Rose of @homecreditph for assisting me as this is my first time to avail of your loan service. The questions were kinda long and personal but the approval was quick! Now at home and waiting for the item to be delivered. Thank you @gaisanogrand for the amazing experience! Details of my experience will be on the blog soon. ๐Ÿ˜‰ . . #mommoment #mummyblogger #mytinytribe #heaventhroughmylens #motherhoodlens #raisingthefuture #motherly #mumswhostyle #lifeasamama #happylittlebuttons #lovingtheordinarymoments #momadvice #celebratingmotherhood #momworld #magicofmotherhood #mydarlingmemory #thelittleones #mothersunite #parenthoodrocks #messy_motherhood #clubmomme #pinklinker #treasuringlittlemoments #millenialmom #unitedmonsnetwork #littlemomentsofhappiness #lovelookslikethis #mamasgotthis
A post shared by Grazie ⭐ (@grazzzieslife) on

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  
© Nanay Kikay Blog. Design by Fearne.