Wedding Loan Celebrate the Occasion With Cheaper Loan

Wedding is always a very special occasion in any family. Its a celebration of joy that brings many relationships together. To make the tying of knot memorable, however, financial aspect of the big event becomes all the more important, as otherwise things may not go in accordance of the festivities. This is where wedding loan comes to the fore. Wedding involves number of items such as reception, hotel, photography, wedding cars, honeymoon to spend on and one never knows where the expenditure is going to last. If taken wisely, wedding loan takes care of all the financial needs.

One common feature of almost all wedding occasions is the urgency of money. You may think there is enough money to meet the requirements but when you sit down to chalk out a plan, you find that expenses will go way above then were thought to be initially. This is because cost of everything including services has escalated by the time wedding is finally planned. But all the financial requirements, big or small, for a wedding are easily met through availing wedding loans.

There are two ways one can get a wedding loan secured and unsecured wedding loan. Generally it is the secured loan that is given preference due to its many advantages.

If you have a property such as home, car or even savings account and willing to put any of these as a collateral to the lender, getting wedding loan becomes easy. The collateral assures the lender that his money is safe and the borrower will make the repayments in time. Once the lenders collateral requirement is satisfied, the borrower is in a stronger position of not only asking for a larger amount but also for lower interest rate. The loan amount for wedding usually ranges from 1000 to 25000, which caters to most of the needs. If the loan is required in excess to this range then the lender would like to go for evaluation of the property placed with him as collateral. A higher value of the property may ensure greater amount of loan.

Interest rate on secured wedding loan normally remains lower and at reasonable level because of the social aspect of the occasion. The borrower, however, is in a better position to demand a lowered interest rate when his collateral is of higher value. Wedding loan can be availed for a period of 15 to 30 years and the installments are paid on a monthly or quarterly basis.

Lenders approve wedding loans quickly due to the urgency involved in it. In most of the cases the borrower gets the loan within 24 hours. However, the lender may take his time in approving the loan in case the borrower offers no collateral. Such unsecured wedding loan is normally asked by tenants or partly employed people. They too have an access to the loan but with a likely disadvantage. With no collateral offered by the borrower, the lender may offer only a smaller amount and that too at a higher interest. These people can avail desired amount at lower interest rate if their credit record is fine and have financial capacity to repay.

You may require the money immediately; still instead of rushing for the loan it would be beneficial if you compare the interest rate of different lenders online. This enables you in choosing the interest rate that suits the budget.

Wedding loan is perhaps the easiest to avail; still it is a big money. The loan must not turn into a burden. Borrower should search around for better terms of repayments, as the cost involved may be quite high.

Andrew baker has done his masters in finance from CPIT.He is engaged in providing free,professional,and independent advice to the residents of the UK.He works for the Secured loan web site loans fiesta for any type of loans in uk,secured loans,unsecured loans,wedding loans please visit http://www.loansfiesta.co.uk

Wedding Songs

Woman - John Lennon
Please - Elton John
You're Still the One - Shania Twain
You're My First, My Last, My Everything - Barry White
If You're Not the One - Daniel Beddingfield
Amazed - Westlife
Because it's Love - Kelly Family
Tougher than the Rest - Bruce Springsteen
Forever and Always - Shania Twain
Never Gonna Leave Your Side - Daniel Bedingfield

Pre-wedding parties: to be or not to be?

Good idea: Have a pre-wedding celebration. Bad idea: Have it the night before your wedding and not enjoy your special day.

Bachelor parties, Stag nights, Bachelorette parties, Hen parties, your last night of freedom…great fun! But beware, there have been many horror stories of Brides or Grooms having “a last fling” or too much of a party, ruining the special day.

Generally the Best Man, Maid of Honour or friends arrange a surprise pre-wedding party for the Bride or Groom. However, this should be taken up with great responsibility and should be planned well in advance and take place well before the wedding. Furthermore, someone should take responsibility for looking after the Bride or Groom until they're safely tucked into bed, especially if there's alcohol involved.

There are no hard and fast rules regarding pre-wedding parties, everyone does things differently. However, the party planner should always take the Bride or Groom's preferences into consideration when making the arrangements and perhaps even ask for their input. Don't divulge too much though, the element of surprise must remain!

For the Groom:

The Best Man is generally responsible for planning the Stag night or Bachelor party. Guys are notoriously more raucous than girls, and the Best Man should put his own interests aside and make sure that the Groom behaves himself and doesn't get into any sticky situations. Although guys sometimes take an oath of secrecy, no Groom wants to get married with the guilt of having that “last fling”, especially when all his mates know about it.
Traditionally most men will opt for what is commonly known as a “booze cruise”. This also normally involves strippers, which should remain a purely visual experience. The Groom's friends should support and stay with the Groom the whole night to avoid any pre-wedding disasters.
If the Groom however isn't the drinking, stripper type of guy, here are a few alternatives:
Have a golf day, if the Groom and his friends are partial to a round every now and then;
Go on a white-water rafting weekend, for guys only;
Go off-road! Try a 4 X 4 or off-road biking day or weekend;
Pack the bakkie and go fishing or hunting;
Do something extreme: skydiving, bungee-jumping or cage-diving;
Go on a road trip!
Whatever you choose, the most important thing is that you have fun, but be responsible at the same time.

For the Bride:

Although Bachelorette parties don't tend to be as rough as stag nights, there is the odd exception. Women can become just as out of hand as their male counterparts.

At all the Bachelorette parties or hen parties I've been to, the Bride-to-be is dressed in dishtowels and ballet shoes and other ridiculous attire, and some good old fun is had while she opens gifts brought by her friends. This type of party is also known as a Kitchen Tea and is generally held during the day.

As with the Groom, it is usually the Maid of Honour, Bridesmaids or friends of the Bride that plans and takes responsibility for the party.

Here are some fun ideas for a Hen / Bachelorette party:

• Have a themed kitchen tea and dress the Bride accordingly;
• Have a pamper party! Visit a day spa with a group of close friends, or have a pamper day at home;
• Have a champagne breakfast;
• Have a pool party (with some hired entertainment for the more daring);
• Host a cocktail party for girls only, and mix up some wicked cocktails. For the more adventurous, hire a stripper, but hands off!
• For the very adventurous, have a sex-toy party. It's similar to a Tupperware party, but without the Tupperware;
• For laughs, have a karaoke night, either at a karaoke bar or hire a karaoke machine;
• Dress the Bride up as a fairy, ballerina, bunny or something fun, and take her for a night on the town! Again, make sure she keeps her hands to herself, lest there be tears on the wedding day.

Whatever you choose to do, make sure you have fun as this will technically be your last night of freedom. Do not however think that when you get married all the fun will stop – on the contrary, the party only starts then!