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Tips in purchasing pre-owned homes

PSBank, through its “Good to Know” campaign, helps you spot a gem among wide choices of pre-owned houses with these tips.

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A property seeker is always hesitant when it comes to buying second-hand homes. This is because such properties could eventually cost you a fortune in renovations if you are not cautious.  

Spare yourself from possible buyer’s remorse. PSBank, through its “Good to Know” campaign, helps you spot a gem among wide choices of pre-owned houses with these tips:

Know where to look.  The best places to find pre-owned real estate properties for sale are banks and local government institutions such as the Home Development Mutual Fund or PAG-IBIG.  Check out their website and you’ll find the best property deals.  There are also property auctions that these institutions organize.  Some properties not normally listed in their websites are being auctioned here. 

Schedule a visit or inspection.  Determine the real condition of the house yourself by asking a professional inspector for help.  Check if the basic structure, floor plan and infrastructure remain sturdy and durable. Ensure that there’s electrical and plumbing system installed, rooms are well-proportioned and there are no bad cracks or serious leaks. A great buy would be one with no major fixes and you’ll be able to move in to your new home soon.

Consider the location. The location is just as important as the house itself. If it is located within a good school system, a nearby transportation, market or grocery, then finding a home priced to accommodate the necessary updates could be a good deal.

Verify documents. Check the title and latest property tax receipt. The title will not only tell you how old the property is but it will also let you know if the property had a chain of previous owners. 

Check the market value of the property.  To ensure that you will not be paying more than you should, go through the current price trends and get an estimate or seek an expert to help you evaluate the second hand property against similar properties in the area.

Buying an excellent pre-owned property or a second-hand home entails lots of patience and due diligence. However, getting it for a bargain price should be more than enough motivation and be able to convince you that what you purchased is more than what you paid for.  You really just need to know where to look.

PSBank is currently offering significant discount on its already low-priced pre-owned real estate properties for sale.

Buyers looking for quality and affordable pre-owned condominium units, houses and/or lots will enjoy 20% to 25% discount on selected properties when they purchase from December 4, 2018 to March 4, 2019.

Aside from this great deal, you are assured of “clean” pre-owned properties for sale.  This means that each property in PSBank’s list of Real Estate Properties for Sale has a registered title and a tax declaration consolidated under the Bank’s name.  Plus, all properties are free from any legal issues and are already in the possession of the Bank.

To avail of the promo, you simply need to submit a completely filled-out Offer to Buy form and Buyer’s Information Sheet to PSBank Asset Sales Department, at any nearest PSBank branch, or via the Bank’s accredited brokers.  You also have the option to make their purchase in cash or by applying for a PSBank Home Loan with Prime Rebate.

PSBank Home Loan with Prime Rebate offers low interest rates, convenient payment modes, and flexible payment terms.  Applicants will also get a credit decision within five banking days or less via SMS.  Borrowers can also save money by paying early or before the due date or by paying more than their monthly loan amortization.  PSBank Home Loan has the Prime Rebate feature allowing home loan clients to earn rebates in the form of “interest discount” on any advance or excess payments made on the loan. Over time, clients could use the rebates to lower the loan principal, shorten the loan term, or even both.

Check out the list of properties and download the forms at www.psbank.coml.ph/propertiesforsale

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Home Care

Top tips for your remodeling project

Forget moving house! More homeowners are choosing to ‘stay put’ and enhance their homes instead.

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Photo by @rarchitecture_melbourne from Unsplash.com

Forget moving house! More homeowners are choosing to ‘stay put’ and enhance their homes instead, and the team from MAD Design USA, home of heating and furniture/accessories brands EcoSmart Fire, Heatscope Heaters and BLINDE Design, say now’s the perfect time for a revamp.

US Houzz & Home’s 2022 Renovation Trends report revealed that home renovation activity and spend in the US have reached their highest rates reported since 2018 – and this year more than half of homeowners (55%) plan to renovate while nearly half (46%) plan to decorate.

“The home renovation market is being driven by rising home prices and interest rates, global political and economic uncertainty, and a tight supply of homes for sale, so more people are choosing to remodel rather than relocate,” says Stephane Thomas, Director of MAD Design USA. “Contractors are also in short supply, and supply chain delays are causing materials shortages and higher costs, leading to many homeowners choosing DIY projects to remodel or expand, or to customize their indoor and outdoor spaces and make them more functional, comfortable and enjoyable.”6 tips for a smoother DIY home renovation:

  1. Know what you want to achieve. “For example, create a multi-season outdoor oasis with  an EcoSmart Fire Pit or Fire Table, or a Heatscope electric radiant heater; or  ‘zhuzh’ up your alfresco or interior rooms with new furniture and accessories such as modular sofas, concrete coffee tables or planters,” says Stephane.
  2. Set a realistic budget for what you want to achieve. “There are ways to remodel that won’t break the bank,” Stephane remarks.
  3. Choose products that don’t require high material or labor costs (e.g., plumbing, electricity, structural work). “Our EcoSmart Flex Series of ethanol fireplace inserts require 4 fewer contractors – plus they’re free from traditional installation restrictions, enabling multiple design options,” explains Stephane.
  4. Select companies that provide expert guidance. “It’s important to work with professionals who give great advice. Our team of experts assist with product selection to material sourcing, project reviews to ideas,” Stephane says.
  5. Know what you can DIY. “Rather than making structural changes to a home, MAD Design offers simple and versatile solutions to transform a home easily and without fuss,” says Stephane.
  6. Choose 0% finance through ‘remodel now, pay later’ programs, such as Affirm or Klarna. “You can get your products quickly and start your renovations sooner,” concludes Stephane. “Sign-up is faster, easier and more transparent than credit cards.”
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Home Care

How to choose the best bamboo cheese board for your kitchen

Are you in the market for a new bamboo cheese board? If so, you’re in luck! In this post, we will show you how to choose the best bamboo cheese board for your kitchen.

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Photo by Mgg Vitchakorn from Unsplash.com

Are you in the market for a new bamboo cheese board? If so, you’re in luck! In this post, we will show you how to choose the best bamboo cheese board for your kitchen. So, whether you’re a beginner or an expert when it comes to cheese boards, this blog post is for you!

Bamboo Cheese Boards’ Benefits

A bamboo cheese board is a popular choice for serving cheese and other appetizers. Bamboo cheese boards are environmentally friendly and sustainable. Bamboo is a grass that grows quickly and does not require pesticides or herbicides to thrive. Bamboo serving platters are also durable and can last for years with proper care.

Additionally, bamboo is a very lightweight material, so it’s easy to move around and doesn’t take up much space. They make a great addition to any kitchen or entertaining space.

So if you’re looking for an eco-friendly option, bamboo is the way to go!

Choosing Tips & Tricks

When choosing a bamboo cheese board for your kitchen, there are a few things to keep in mind.

  • First, consider the size of the board. If you entertain often, you’ll want a larger board that can accommodate a variety of cheeses and other foods. But if you’re just looking for a small board for everyday use, a smaller size will suffice.

Extra Large Charcuterie Board from Royal Craft Wood. It includes 10-pieces cutlery set, 10 card holders, 3 ceramic bowls, 2 serving trays. Its dimensions are: 17.5 x 13 x 2.5 inches.

If you have a small kitchen, please, pay attention to the compact traditional Royal Craft Wood’s Bamboo Cheese Board.

  • Second, think about the shape of the board. Round boards are great for serving multiple people, while rectangular boards are better suited for slicing and serving one or two people.
  • Third, remember about special cheese knives, forks, bowls and other cutlery that will help you to deal with snacks. Some cheese platter boards are sold with everything important. Like this cute Cheese Board With Knives.
  • Lastly, consider the style of the board. If you want something that’s both functional and stylish, look for boards with interesting designs or detailing. For example: Rotating Cheese Board With Knives.

So, what’s the best bamboo cheese board for your kitchen? It really depends on your needs and preferences. If you need a little more functionality and like to entertain guests often, go for one of Royal Craft Wood’s plain boards. Thank you for reading!

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Home Care

DIY home upgrades to add style and beauty

Consider these DIY ideas to spruce up your home’s aesthetics and create a more attractive place to live.

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Photo by @spacejoy from Unsplash.com

Home upgrades are necessary for a variety of reasons, but many homeowners look to update their homes to add comfort and beauty. While a complete renovation can be appealing, it can also be costly and time consuming.

However, if you’re willing to take on some of the work yourself, there are ways to upgrade your living spaces to add style (and value) without the assistance of a contractor. Consider these DIY ideas to spruce up your home’s aesthetics and create a more attractive place to live.

Freshen Up Paint

When it comes to simple DIY projects, a new coat of paint can drastically update your spaces without making major renovations. Light colors like gray, beige or white can make smaller spaces feel more open while darker shades like navy and purple can create a dramatic look. If you don’t want (or need) to paint the entire room, adding a pop of color with an accent wall or touching up the trim are quick and easy improvements. Adding paint to a less traditional spot like the ceiling or refreshing cabinets with a new color can also help bring your spaces to life.

Install Mess-Free Stone Accents

If you’re looking to add warmth and texture, easy-to-install stone veneer can provide the look of natural stone without the expense. A mortarless option like ClipStone is designed to be installed with screws and common tools, making it easy to achieve the look of traditional masonry without the hassle and mess. Durable and low maintenance, you don’t have to worry about sealing or painting and it’s a perfect option for exterior or interior installation that can be installed in any weather conditions. Available in a variety of styles and colors, homeowners can mix and match to create a custom look. Plus, it features a built-in water management system, overlapping edges to minimize gaps, reversible outside corners and a variety of available accessories.

Upgrade Window Treatments

Windows can often be overlooked or left with the simple paper shades or aluminum blinds the builder initially installed. Consider replacing them with plantation shutters, wooden blinds or drapes that better suit the style of the room. In addition to blinds, curtains provide another opportunity to add design elements that align with your tastes. From geometric panels to sheers, the possibilities are nearly endless. Or simply match the curtain panels to the color of your walls or an accent color for a look that can match almost any style.

Update Accessories

Cabinet pulls, outlet covers, curtain rods, switch plates and doorknobs are easily ignored, but replacing them can be an inexpensive way to add small touches of elegance to your home. With a variety of designs and finishes to choose from, including bronze, brushed nickel, copper and stainless steel, updating worn pull handles and knobs can create an affordable look that appears expensive. The same is true for metal switch covers and outlet plates. While decorative curtain rods may be on the pricier side, adding a coat of paint in a metallic finish could provide a cheaper alternative.

Improve Curb Appeal

There are a multitude of inexpensive ways to give your home’s exterior a makeover. Start by pressure washing your siding and windows, which can make your house look almost as good as a fresh coat of paint for a fraction of the time and money. Remember to also clean your driveway, patio and walkways to maximize your investment. Pulling weeds, trimming trees and bushes, and patching bald spots in the yard can also go a long way as can planting greenery in front of your home and making landscaping upgrades like adding mulch beds, water features or decorative edging. Another idea: replace your front door or give it a fresh coat of paint to add a pop of color to your porch.

Find more ideas for improving your living spaces at myclipstone.com.

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