Can I get a Home Removals Loan? FAQs.

Here are the answers to some commonly-asked questions about loans for the costs of home removals.

Are there loans for home removals services?

Yes.

You may be able to obtain one from your bank, although banks aren’t quite as free-thinking with their lending as they once were.

Alternatively, some professional removals companies, Christchurch or elsewhere, may be able to offer such assistance too.

Am I guaranteed a loan?

No.

No lender anywhere will guarantee to offer a loan in advance. They always make their publicity “subject to status”. What that means is that they’ll want to look at your income and credit history before deciding whether or not to advance a loan.

This is perfectly normal practice and you’re not being singled out. If you think about it, would you lend money to a stranger if you knew nothing about them, their reason for asking for the money and whether or not you’d stand a fair chance of getting it back?

Can I get a loan if I have a poor credit history?

Very possibly yes.

It depends upon the exact nature and severity of your credit history difficulties in the past.  It’s been estimated that about 80% of us have some minor blemish on our credit history files (e.g. an accidentally overlooked credit card repayment one month) and typically, lenders see those as nothing.

Some problems can be far more severe including being sued for loan defaults and so on.

If you have some moderate problems on your files, they won’t be a showstopper, though the lenders may increase their interest rate a little to reflect the extra risk they’re taking.

Why do lenders ask for receipts?

If you’re getting your finance through a removals company, that probably won’t be needed. The lenders might typically send the agreed sum directly to the removals company.

If you’re applying to other sources, the lenders may (though not always) wish to see evidence of the quotation in order to check that it’s reasonable. They might also ask to settle the sum directly themselves. In other cases, they may issue the loan to you but ask you to show evidence that you’ve used it for the purposes intended.

This is all normal and should not be cause for concern. It’s largely to do with the lenders either trying to reduce the risks of payment default due to you spending the money on other things (e.g. gambling) or to avoid loan fraud.

How do I know that I’m getting a fair interest rate?

Only by shopping around and doing some online research.

How long can I borrow the money for?

That’s a matter for you and the lender to discuss.

Most lenders will accept repayment over a few years if the sums are larger. Do remember though that the longer the repayment period, the more the loan will typically cost you in interest payments over time.

Could I pay for removals services by credit card?

Yes, assuming that the company concerned accepts them.

It’s worth keeping in mind that borrowing money on credit card is typically one of the most expensive ways to use what is in effect a loan (assuming you don’t repay the loan in one go before the month end or pay it off very quickly). 

Compare it to the costs of a purpose-specific loan from another company.

Article source: http://ezinearticles.com/?Can-I-Get-a-Home-Removals-Loan?-FAQs&id=9808014

Top FAQs – Commercial Movers

That usually means offices and other related premises but it can also include factories, plant and equipment and commercial goods ex-warehouse.

How is this different to domestic removals?

Commercial movers might typically see very little difference in most cases. Clearly packing office desks and tables is very much like packing household furniture.  Files and office items are carefully packed into boxes, just like domestic household items would be.

Of course, some commercial removals ARE different. Moving plant and machinery out of a factory is a very different thing and might involve cranes and special vehicles for transport.

For more details, please visit - https://www.christchurchremovals.co.nz/top-faqs-commercial-movers/

Office Removals – Top Tips

Plan well in advance, if at all possible. In our experience, office removals that our clients have rushed through (for perhaps perfectly legitimate reasons) are most commonly those that throw up problems on the day itself;

Appoint a removals coordinator or project manager from within your company. Getting your various colleagues and departments ‘co-ordinated’ in their planning for moving is a non-trivial task and it is one that may go badly wrong if nobody’s in overall charge and control.

• Give your project manager authority. Some companies allocate someone relatively junior to this role and that can be a huge mistake.  Trying to persuade (e.g.) the head of a department to allocate people to doing ‘xyz’ to prepare for the removal might be an insurmountable challenge if the person concerned doesn’t have the authority to “make it so” when needs be.

• Give your appointed person some training. Managing a seamless transition from one office location to another isn’t intuitive. It takes hard work and some specialist planning skills. We may be able to help there because as long-established Christchurch movers, we’ll have seen it all before!

• Don’t leave your personal engagement in the removals until the last moment.

For more details, please visit - http://www.christchurchremovals.co.nz/office-removals-top-tips/

Sending Your Goods via the Mail and Insurance Problems

Back in September 2016, we blogged on the issues associated with shipping goods in the post.

This created a lot of interest, specifically around postal insurance and we felt obliged to do a follow-up.

Do please note that we’re expert Christchurch movers not lawyers or insurance experts! So, we’re offering here our understanding and you may wish to check this yourself.

If you decide to ship some of your household goods through the mail, then fine. There might be some reasons, in certain instances, why you’d choose to do so.

Typical postal insurance will cover your items in transit for:         

• total loss (e.g. via theft or loss in the mail)

• or their total destruction.

Total loss (whether by theft or genuine mysterious disappearance) is easy to prove and insurance claims in that domain are handled routinely.

For more details, please visit - http://www.christchurchremovals.co.nz/sending-your-goods-via-the-mail-and-insurance-problems/

High-Rise Office Moves and How We Cope

There’s almost a comedy sketch feeling to any discussion around those poor old office removals guys trying to cope with furniture and other heavy objects several floors up.

Truth to tell, it can sometimes be something that tests the muscles of our guys. Having said that, they’re strong, fit, good humoured and usually can cope!

Sometimes business relocation, Christchurch and elsewhere, can be a challenge if it’s based around an ‘upper’ location and the building concerned doesn’t have good modern facilities such as a freight or goods lift. For example, some bigger office equipment just can’t be squeezed into a smaller people-lift and that might mean some heavy-duty puffing up and down the stairs.

It happens and if it does, we’ll cope!

There might be times though when muscle power alone won’t do the job. Sometimes something can simply be too heavy or too unwieldly (or both) to make the stairs a viable proposition.

For more details, please visit - http://www.christchurchremovals.co.nz/high-rise-office-moves-and-how-we-cope/

Office Removals – FAQs

Here you’ll find answers to some of the commonest questions on office removals put to experienced removals companies.

Can you pack for us or do we need to do it ourselves?

It’s usually possible for companies offering business relocation, Christchurch and elsewhere, to offer professional packing services too.

Do note though that there might be some categories of item that it might be preferable to pack yourself, possibly including:

• highly confidential documents of a personal or business-critical nature;

• some tradeable bonds which are effectively cash;

• precious items that are in your custody, including jewellery and so on.

In some cases, your insurance policy for such items might also require you to transport them personally too.

Is it possible to have office contents delivered to different addresses after uplift? Read more http://www.christchurchremovals.co.nz/office-removals-faqs/

Selecting a Removals Company – Track Records

The oldest moving company we know of is the Shore Porters Society in Aberdeen, Scotland. They were formed back in 1498 when James IV was King of Scotland and Henry VII on the throne in England.

Now not even we’re that old (though one or two of our team might run that a close thing!) and we’re also sure that there are older moving companies around too. The reason we mention it though is to stress an important point – a track record.

Maybe we should say ‘lineage’ given the example above but seriously, one of the first things to look for when selecting Christchurch movers, or removals companies anywhere else for that matter, is just how long they’ve been around.

On one hand, that’s a bit of a no-brainer. Clearly, if a company has been trading for many years then they’re obviously doing something right. However, it also relates to the collective experience they’ve gained over that period. As we’ve said before, you can’t buy experience or pick it up from a book.

For more details, please visit - https://www.christchurchremovals.co.nz/selecting-a-removals-company-track-records/

Removals Insurance – Explaining Terminology

Ever looked at an insurance policy and thought you were reading an alien language?

If so, don’t worry. We’ve all been there! 

To be fair, the insurance industry has made a huge amount of progress in simplifying the language it uses but we’re going to try and help. Here, we’ll be looking at the terms ‘new for old’ and ‘market valuation’. 

If you’re unfortunate enough to suffer loss through theft or say a fire, you’ll be looking to your insurer to give you the money to replace the item or items that have now gone. In some cases that might include the insurer not just giving you a cheque but actually purchasing the replacement item for you. 

The question in such situations is; who decides how much the item was worth? It’s not as simple as it might sound. 

Take that PC that’s just been stolen. Perhaps you purchased it 12 months ago for 1,000$. However, today it’s perhaps only worth, if you bought one second-hand, 500$. Would you therefore want a new one as a replacement valued at 1,000$ or a good second-hand one that cost 500$ 

For more details, please visit - http://www.christchurchremovals.co.nz/removals-insurance-explaining-terminology/

Dangerous Goods – Notifying us in Advance

Although it’s a subject we’ve blogged on before (the last time was about 7-8 months back), we hope you’ll excuse us for covering it again because it’s an important subject.

Here at Christchurch Removals, we can move just about anything to just about anywhere as part of our furniture removals service. However, there are a few potentially hazardous items where we will need to ask you to notify us well in advance if they’re included in your inventory of things to move:

• inflammable materials – typically including things such as liquid fuels, gas  cylinders, paints, thinners and so on;

• corrosives – this can cover a wide range of materials but examples might include DIY or industrial strength acids, drain cleaning fluids, photographic chemicals, bleach, caustic soda etc.;

• explosives – people tend to automatically think of exotic things such a dynamite but in reality this also means far more mundane things such as fireworks or ammunition;

• gas cylinders or any highly pressurised containment vessel; Read more about dangerous goods.....  http://www.christchurchremovals.co.nz/dangerous-goods-notifying-us-in-advance/

Young Children and Removal Day

Nobody knows your children like you do and we wouldn’t presume for a second to try and tell you how they’ll be likely to react.

Based on our very extensive experience of furniture removals, Christchurch and elsewhere, we can say though that we’ve usually witnessed one of two apparent reactions with younger (say under about 8-9 years of age) children:

wild excitement and they love every minute of the day;

a very withdrawn and sorrowful-looking response. They may also become very ‘clingy’ with parents.

Of course, a lot depends upon an individual child’s personality but the second reaction above shouldn’t be surprising.

Many younger children don’t like radical change in what is for them, a familiar and safe environment. The more significant the changes are as a result of the move, say including new schools and friends, then the greater the risk of a fretful reaction on the day itself.

We thought we’d share with you a few techniques we seen parents use over the years; ones which have seemed to us to be effective:

For more details, please visit - http://www.christchurchremovals.co.nz/young-children-and-removal-day/

Same Day Furniture Removals

We’re sometimes asked to try and get a removal and delivery done in one day.

Here’s how we will look at such requests. 

Firstly, we always assure clients that if it’s humanly possible to do so, then we will. 

In some situations, for example, if you’re moving from a relatively small flat to another one only a couple of kilometres away then a same-day removal may be perfectly feasible.  In other cases though, it might be less so. 

As a professional household removals company, we must comply with four things: 

• the laws relating to driving hours; 

• employment best practice and the related working hours of our team (who are far from being ‘clock-watchers’ by the way!) 

• the science of planning based upon our long experience of removals (i.e. avoiding the temptation of being overly-optimistic in time estimating); Read more  http://www.christchurchremovals.co.nz/same-day-furniture-removals/