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PSBank sets one-day credit decision on home loan application

With the recent launch of PSBank Home Loan’s 1-day credit decision, the bank is collaborating with Federal Land to make the process of owning a house simple and attainable. 

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PSBank, the consumer banking arm of the Metrobank Group, and Federal Land, one of the country’s real estate developers, are paving the way for Filipinos to have their dream homes.

With the recent launch of PSBank Home Loan’s 1-day credit decision, the bank is collaborating with Federal Land to make the process of owning a house simple and attainable.  PSBank has a set a 1-day credit decision on home loan application for the purchase of brand new condominiums and properties from accredited developers such as Federal Land.

PSBank recently began a series of developer roadshow to unveil its 1-day Home Loan decision for condominiums and properties from accredited developers. The first of such event was held for the benefit of Federal Land sales agents.

PSBank’s 1-day Home Loan decision bodes well with the ongoing construction of several residential properties by Federal Land. For one, the property developer is reshaping the skyline of BGC North with its newest

development, the Sunshine Fort, a joint venture with Japan’s leader in residential developments, Nomura Real Estate Development Co., Ltd., and the world’s foremost retail service group, Isetan Mitsukoshi Holdings Ltd.

Another Federal Land development is Four Season Riviera, a two-tower property in Binondo, Manila. A riverfront home, Four Season Riviera is privy to stunning views of the world-famous Manila Bay sunset, celebrated landmarks such as Fort Santiago, Intramuros and the Post Office building. The development also brings good feng-shui making it desirable to Filipino-Chinese market.

The Paseo de Roces, meanwhile, is located close to the Makati Central Business District and is just a walk from the Sunday Markets, luxury malls, offices, and parks. Paseo de Roces not only provides the excitement of Makati City but also the vibrance of life with amenities, the privacy of an exclusive building, and the convenience of having it all in one place.

The Capital Towers, on the other hand, offers a life where the avenues of interests come together and options and opportunities are within reach. The development is located along E. Rodriguez, Quezon City, a short ride away from Tomas Morato and Timog, with avenues leading to Manila, San Juan and Makati.  The Capital also has special units that are designed for people in need of a home office.

“The process of providing a credit decision within 1 day follows streamlining of internal evaluation processes, allowing the bank to offer the fastest possible credit decision on home loan applications for condominiums. This is another step towards staying true to our brand promise to keep things quick and simple for our customers. We are confident that the 1-day credit decision, along with our partnership with Federal Land will lead to more and more Filipinos having their own homes ,” PSBank Senior Vice President and Marketing Group Head Noel Tuazon said.                  

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Home Care

Spending time on household chores may improve brain health

Engaging in household chores may be beneficial for brain health in older adults. In a recent Baycrest study, older adults who spent more time on household chores showed greater brain size, which is a strong predictor of cognitive health.

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Engaging in household chores may be beneficial for brain health in older adults. In a recent Baycrest study, older adults who spent more time on household chores showed greater brain size, which is a strong predictor of cognitive health.

“Scientists already know that exercise has a positive impact on the brain, but our study is the first to show that the same may be true for household chores,” says Noah Koblinsky, lead author of the study, Exercise Physiologist and Project Coordinator at Baycrest’s Rotman Research Institute (RRI). “Understanding how different forms of physical activity contribute to brain health is crucial for developing strategies to reduce the risk of cognitive decline and dementia in older adults.”

In this study, published in the journal BMC Geriatrics, the researchers looked at the links between household chores, brain volume and cognition in a group of 66 cognitively healthy older adults living in the community. The participants attended three assessment visits at Baycrest Hospital, including a health evaluation, structural brain imaging and cognitive assessment.

Participants were asked about the time they spent on household chores, such as tidying, dusting, meal preparation and clean up, shopping, heavy housework, yard work, home repairs and caregiving.

The researchers found that older adults who spent more time engaging in such activities had greater brain volume, regardless of how much exercise they did. This was observed in the hippocampus, which plays a major role in memory and learning, and the frontal lobe, which is involved in many aspects of cognition.

Although it is possible that individuals with larger brains are more likely to take up household chores, there could be several explanations for the brain benefits of household physical activity.

First, we know that heart health is closely tied to brain health. It could be that household chores have a similar effect on the heart and blood vessels as low-intensity aerobic exercise.

Second, the planning and organization involved in household chores may promote the formation of new neural connections over time, even as we age.

Third, it could be that the older adults who engaged in more household chores spent less time being sedentary, which has been shown to be associated with negative health outcomes, including poor brain health.

“Besides helping to guide physical activity recommendations for older adults, these findings may also motivate them to be more active, since household chores are a natural and often necessary aspect of many people’s daily lives, and therefore appear more attainable,” says Dr. Nicole Anderson, Senior Scientist at the RRI, Director of the Ben and Hilda Katz Interprofessional Research Program in Geriatric and Dementia Care, and senior author of this study.

This study was funded in part by the Canadian Institutes of Health Research (CIHR).

As a next step, the researchers would like to assess household physical activity more objectively using wearable technology. With additional funding, they could also plan controlled trials with the aim of increasing individuals’ household activity and studying brain changes over time.

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Home Care

Fresh ideas for home upgrades

Spring means it’s time to start sprucing up your home and garden with a little TLC inside and out.

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Spring means it’s time to start sprucing up your home and garden with a little TLC inside and out.

If you’re unsure where to begin, consider these tips:

Make function a priority.

While aesthetic changes may boost value and please the eye, be sure to consider upgrades that make living easier, like organization units that give you more space or upgrades that create additional living space.

Keep budget in mind.

Make a list of the projects you’d like to complete and estimate how much each will cost. Use the list to determine what you can afford to complete now.

Do your research.

If you’ll be making a significant purchase such as a new vacuum or grill, be sure to explore your options, read reviews and shop around for the best prices for greater confidence in what you choose.

Set yourself up for a more enjoyable spring with more home and garden tips at eLivingtoday.com.

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Home Care

When to update home and garden goods

As you tackle spring cleaning this year, take stock of your common home and garden equipment to determine what may need updating.

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Investing in quality products, properly maintaining and storing them all have an impact on how long they’ll stay in good working condition.

As you tackle spring cleaning this year, take stock of your common home and garden equipment to determine what may need updating.

Lawn Mower: If your mower needs a repair that exceeds its value, it’s time for a replacement. However, there may be other signs that an upgrade is warranted. Rough operation, frequent breakdowns or other indications of faulty performance deserve a second look. Before you buy new, remember to check your warranty to determine whether repairs might be covered.

Vacuum: Many homeowners discard their used vacuum when it stops picking up dirt and debris as efficiently as it did originally. Before you move on, be sure to check that performance issues aren’t the result of clogged hoses or a filter than needs cleaning or replacing. A belt may also be worn or need adjusting. Other signs it may be time to replace the vacuum include damaged or frayed cords, motor issues like overheating or making strange noises.

Grill: A grill may last anywhere from 5-15 years, depending on the quality of the materials and how it is maintained. However, it’s common to have to replace parts along the way. Signs you may need a new grill include a firebox (the main enclosure) with cracks, rust or holes and burners that distribute heat unevenly. Damaged grates can affect even grilling if they’re warped or if they’re flaky or rusted, they can contaminate food. If you’re not able to replace the grates, or any other essential part, including hoses and connectors for a gas grill, you’ll be better off replacing the unit.

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