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Finance > Credit > Credit CardThings that we can do to increase the chances of our home loan approval in South
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Getting home loans in South Africa or any other developed country is easier compared to other types of loans because a home loan is a secured loan. The house that you are buying is considered as collateral against the loan and in case the borrower defaults on the loan or is unable to repay it the property will be foreclosed. In spite of this, most money lending organisations do not want the hassle of having to foreclose the property and then sell it. This is the reason that they make sure that the borrowers to whom they are lending the money are low risk options. All money lending organisations conduct a thorough credit check of the borrower before lending the money to him or her.


Hence, in order to ensure that you will definitely get the home loan you are applying for, you need to have a good credit score. People with poor scores often get their loan applications rejected. Another factor that will increase the chances of your home loan approval in South Africa is a steady and stable source of income Cheap Jerseys China , whether you have a job or you are self employed. Now what do you do in case you end up with a poor credit score and still require a home loan. In this situation, you will have to take some measures to improve your credit score first. The best way to do this is to get a secured credit card and maintain it properly. This is one of the fastest ways of mending your damaged credit score. There are many other methods of mending a poor credit score and these methods can be learned by hiring the professional services of a credit repair company.


Often the poor credit score is the result of a mistake on the part of the credit bureau. In this situation, you can dispute these mistakes by filling out a dispute form or writing a letter to the credit bureau. Another great way of ensuring that your loan application gets approved is to offer a sizeable down payment. If you are able to make a large down payment the bank is more likely to approve your loan application. Getting a co-signer to stand guarantee on your behalf is also more likely to get your home loan application approved. In fact, this is one of the best methods to guarantee that your loan application will be approved. You can also give the bank a reference letter from a friend or relative from whom you took a loan and returned it on time.


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by Xinhua writers Xu Liyu, Yan Jie Wholesale Soccer Jerseys , Liu Xiuling


BEIJING, Sept. 15 (Xinhua) -- An Jing and Wen Fang of China and Jacel Kiram of the Philippines appear to have little in common, live many kilometers apart and speak different languages. But sometimes they indulge in small talk on the Chinese smartphone app WeChat.


They meet too -- often in China. Their rendezvous is a living testimony to the ancestral bond they share from an ancient Philippine family.


In 1417, a large goodwill mission led by three kings of Sulu Wholesale Jerseys From China , in what is now the southern Philippines, ploughed through the Pacific Ocean to China to pay tribute to the emperor of the Ming Dynasty.


Emperor Yong Le reciprocated with fine hospitality and entertainment worthy of royalty.


On his way home, Paduka Pahala, the East King of Sulu Wholesale Jerseys China , died of a disease in Dezhou, a city in east China's Shandong province. The Ming Dynasty emperor commissioned artisans to build a tomb for the king, which still stands today in the Chinese city.


The descendants of Paduka Pahala remained in China as grave keepers and were attended to by three Chinese Muslim families who relocated to live with them. They picked up the surnames An and Wen during the Qing Dynasty, and now more than 3 Wholesale Jerseys ,700 descendants live in different parts of China.


Kiram, a Sulu princess who was in Dezhou this week for the 600th anniversary of the Sulu king's journey to China, told Xinhua she felt lucky to trace the route of her ancestors centuries ago.


"This visit of ours to our relatives here in China would mean another 600 years for us to cherish. The Philippines and China can tighten their bond using the story that dates back to the 14th century," Kiram said.


A NATIONAL BOND


The family link between Sulu and its descendants in China has evolved into frequent exchanges between the two countries.


Wen Haijun and An Yanchun Cheap Custom Soccer Jerseys , both 18th-generation descendants, called their trip to the Philippines "a journey back home."


"Then president Gloria Macapagal-Arroyo met us. She told us the story of the King of Sulu and his descendants served as the best witness to the long-running friendship between the two countries," Wen said.


For decades, the descendants living in the Philippines and ambassadors of the Southeast Asian nation have frequented the city of Dezhou to rekindle the friendship.


"Those living in Sulu and here share an aspiration to help bring the two countries closer through family exchanges Cheap Retro Soccer Jerseys ," An said.


The route the Sulu kings took for their journey was part of the ancient Maritime Silk Road that linked China with the rest of the world.


Six hundred years on, the Belt and Road Initiative, proposed by China in 2013, is strengthening ties between China and the Philippines.


A business conference held in Manila Cheap Replica Soccer Jerseys , capital of the Philippines, in July drew firms from Dezhou and elsewhere in China, the latest in a serie. Wholesale Jerseys From China Wholesale Jerseys From China Wholesale Hats Wholesale Jerseys China Free Shipping Wholesale Hats Wholesale Nike NFL Hoodie Wholesale Hats Cheap Nike NBA Jerseys Cheap Jerseys Free Shipping Cheap Hockey Jerseys