From April 13 to April 27, 2022, consumers will get a bonus ₱40 load credit for every ₱200 worth of Smart load when they reload using Ding, one of the world’s leading mobile top-up providers.

Users who want to load Smart online with Ding and get the bonus can do so in 3 simple steps:

1. Click the link above and select an amount of Smart load to send (the ₱200 amount gets the bonus)

1. Enter the number of the recipient
2. Choose the payment method and finalize the purchase

Once the payment has been finalized, the recipient will automatically receive the load that the sender purchased, they don’t need to do anything.

Using this limited-time promo is a practical way for prepaid Smart users to get the most bang for their buck.

Maximizing the Smart Load Procured from Ding

The Smart load procured from Ding, including the bonus ₱40 load, can be used to make local and international calls, access the internet through mobile data, or send text messages.

Sending load to someone is a great way to connect with family, friends or loved ones. You only need to send in small amounts, yet it empowers the receiver to stay connected, and enables them to use online services.

When you reload a phone, the credit is applied instantly regardless of where you are in the world. In times of need other remittances can sometimes take a few days to be received, however with a Ding reload the person can use the credit instantly.

About Ding

Launched in 2006, Ding aims to provide consumers around the world with the safest, fastest, and most accessible means of topping up mobile phones.

Each month their customers send over USD 10 million of mobile load to more than 150 countries around the world. Make a smart choice and send load using Ding today.

Getting on the property ladder is a lifelong dream for millions of people around the world. No matter your age, your income, or where you are based location-wise, owning your own home is certainly something that many work toward. While that is the case, it is also worth recognising that it is not a race when doing so; some people buy their homes when they are young, while others do not purchase a property until a little later in life. No matter which situation you find yourself in, know that you are doing things at your pace, which is the most important thing.

Some people do not purchase a property until they have a family of their own. Understandably, some people might prefer this over buying on their own; having a combined income certainly makes it a bit easier. That being said, it is also worth noting there are other factors that must be taken into consideration when buying a property with a family in tow.

Suppose you are in this position yourself. You might be searching for tips and tricks when doing so. You have found yourself in the right place should this be the case! Detailed below, we have compiled a list of what families should consider when buying a property. More specifically, when buying a property in the international hub that is Singapore. Read on for more.

Establish Your Budget

As we mentioned briefly previously, you will likely be combining your income with that of your partner’s as a means of affording the purchase. While combining your incomes is a sure way to boost the funds that you have available, you should also think about the budget that you are working with a little bit further.

Establish what you are willing to spend on a property, for this information will provide you with the knowledge you need to select a property within this window. At the same time, you should also factor in potential repair costs and other charges associated with buying a property.

On the other hand, should you find you need a boost to your existing funds as a means of affording a property, nothing stops you from exploring DBS home loan rates. Using comparative sites like those from Property Guru means you will see what home loans you are eligible for and what you should expect to pay back in future should you go down this route.

Think About Your Needs

We feel this might be somewhat obvious when purchasing a home, but we felt it was worth a mention in this piece all the same. You likely want to find a home that will meet all of your needs and requirements, whether initially or after some building work. Either way, you will need to think about your needs, for this will help you narrow down the options on the housing market.

Understanding what you want from a property will help you to whittle down any houses that you might have an eye on. While this is naturally something you should be considering, you want to also think about your family’s needs.

Ensure that you have the right amount of room for your family unit; the last thing you want is to be cooped up in one space. That is sure to lead to arguments! Deciding on a location is also crucial and depends on your needs. Being in commutable distance to relevant schools and workplaces is important and is a factor that should be high on your list.

Think About A Timeframe

We recognise the desire to move into a property as soon as you have laid eyes on it, but you should remain as level-headed as possible throughout this process. Numerous obstacles must be overcome when buying a home, of which could delay the process in some way or another. Being prepared for these obstacles and knowing an estimated timeframe for which you can move into your home is crucial; it gives you a foundation from which to work, and you will be able to plan around this.

Thinking about the timeframe when moving into your home is not the only thing you should be considering when factoring in time. While you naturally will not think about moving out anytime soon after purchase, you should consider how long you intend to stay in the property. Should you have moved for work while on a fixed-term contract, this question would be answered for you. On the other hand, think about factors that would influence your decision – such as ageing and children leaving the nest – and work from there.

Understandably, there are plenty more factors you should consider when buying a property in Singapore. Taking both those mentioned here and others into account will ensure you make the most informed decisions possible and buy a suitable property for you and your wider family.