Cyclone or not prepare your home

›‘—” ŠŽ‹‘ˆ‡Ǥ ‡ –‹•ǯ• –Š›‡‘—…”‡•–‡”ƒ‘ŽŽˆǡ ’‡”•‘ƒŽ •’ƒ…‡ ‹ ƒ Žƒ”‰‡ OUR

™‘”Ž†Ǥ –ǯ• ™Š‡”‡ ›‘—” …Š‹Ž†”‡ ™–™ƒŠ‡”ˆ‡‹”›•‘– —•–”‡‡’ƒ••– ‡ƒ†‡•”‡ƒŒ›‘—”ˆ˜‹‹‡”••–Ǥƒ™–‡‘ǡ ƒ”†•†ǡ

ˆ ›‘—ǯ”‡ ‘– ’”‡’ƒ”‡†ǡ ‘‡ ƒ–Ǧ —”ƒ‡Ž’ƒ†”‹‹•ƒ‰•–›‡‘” —…”ƒŠ‘™‹‡’‡‹•‹–ƒƒŽŽ‹ƒ™’‘ƒ”›ǦǤ –ƒ– •–‡’ –‘™ƒ”†• ›‘—” ˆƒ‹Ž› „‡‹‰ ”‡ƒ†› ˆ‘”ǡ •—”˜‹˜‹‰ ƒ† ‹‹‹•‹‰ ’‘–ƒ‡”Ž‹–‡‹ƒ”Ž ’‘”‘’–‡Š”‡–›™†ƒ‡‡ƒ‰‡Ǥ ƒ ™ƒ–‹ –…™”Ž‘›‡”ƒ‡•†™ƒƒŠ”†‹…ƒŠ‡›†Žƒƒ–ƒ‡›„”‘‹–—Š–’‡ƒ–…”›–‘…–’ŽŠ‘‹‡…ƒ‡…Ž‘™—…ƒ›•Ǧ ”‡’‘”–‡† –‘ Šƒ˜‡ …Šƒ‰‡† †‹”‡…–‹‘Ǥ ™‘Š‘ƒ†– …‡ƒ™ •Š”ƒ‹‰’Š’–‡ǫ —–‡š™–ǤŠ‘ š–”‡‘™‡• –™Š‡‘ƒ•–‡Š™‡”Š‘…ƒ‘™Ž‡ƒŠ†‘–‘‡•’Ǥ”‘„Ž‡• ˆ‘”

– ‹• ‹’‘”–ƒ– –‘ •–ƒ› ’”‡’ƒ”‡†ǡ ”‡ƒ•‹’‡•…‹…ƒƒŽŽ—›•‹„‡‰…ƒƒ—•Ž‘‡– ‘‘ˆ ˆ –Š†‡ƒ…ƒ—‰”‡”‡–‘–

YŽŽ ‡ƒ ™ƒ–‹ ™‹–Š ’”‘‘ˆ ‘ˆ ‹Ǧ ”…‡‘‰—‡Žƒ–‘‡”‡›–”‹‡‰“—‹”‡Ž‘‡ƒ–•’Ǥ ‘Ž‹…› ƒ†

Who can apply for the loan? How long does it take for loan to

Š”‡‡ ȋ͵Ȍ †ƒ›• ‘…‡ ƒŽŽ ”‡“—‹”‡†

be approved?

’ƒ’”‡’•Ž‹‡…ƒ––‡‹‘†Ǥ †‘…—‡–• Šƒ˜‡ „‡‡

ba‹ck‡? ƒ› ‘–Š‡” …‘–”ƒ…–—ƒŽ ƒ”Ǧ

What happens if one fails to pay ”Šƒ‘™‰‡˜‡‡”ǡƒ–• –ƒ‡”„—•‹ƒ‡”•‡• ™•–‡‹’”—‡Žƒ–ƒ‡‹†ǡ ‘…—’•‡–‘ˆ‘‡””•‡•‰Šƒ‘‰—‡Ž† ‡–Š–‡›™‹‡–Š…‘˜ƒ—Ž—–‡†” ’”Š‘‡’”‡”‹–•‹‡•‘ „ƒ‡”‘––—‡”†–‹–‡Š‡–‘ …–ƒ‘—‡–ƒ”…›ǦǤ –‹‘ ƒ† ’”‡’ƒ”‡ ›‘—” Š‘‡ –Šƒ ‘™Ǥ Š‡… –Šƒ– ›‘—” †”ƒ‹ ‘ ›‘—” ’†‹”–‘‹‘’‡Ǥ”–› ‹• ‹ ‰‘‘† ™‘”‹‰ …‘Ǧ ◗

ƒŠ†‡…”‡’–Šƒ‹‡” …Ž‘‘•†‡‹––‹‹‘Ž‡•ǡ‘‡ˆ ƒ–˜Š‡• ”ƒ‘‘†ˆ •…”‡™•Ǥ

™Žƒ‡–ƒ‡” ‰…—ƒ––‡†””•ƒ‹ƒ †ƒ™†ƒ‘›™ƒ•’“‹’—‡‹…••Ž‘› ƒ•‡’‘‘•˜•‡‹„ƒŽŽ‡ŽǤ†‡ƒ† ƒ† „—”– –”‡‡• –Šƒ– …‘—Ž† ˆƒŽŽ ‘–‘ –Š‡ ’”‘’‡”Ǧ „–›”Ǥƒ”…‹Š‡•–Ǥ”‡‡• ƒ† ‘˜‡”Šƒ‰‹‰ …ƒ‡—…—•‡”‡†ƒŽ‘‘ƒ•‡‰‡ ‹–‹‡ˆ „Ž•‘™–Šƒ–ƒ”…‘‘——Ž† ˆ‹—”Š‹–‰—Š”‡™ȌǤ‹†• ȋ•—…Š ƒ• ‰ƒ”†‡

ƒ† …ƒ” ‹•—”ƒ…‡ ‹• …—””‡– ƒ† …‘˜Ǧ

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General •—”G‡e›n‘er—a”l

„ƒ ‹• Ž‹˜‹‰ —’ –‘ ‹–• ’‘•‹–Ǣ –Š‡ ’”‘‘–‹‘ •–ƒ”–‡† ˆ”‘ Why SBS is offering 0% deposit loan

ˆ’‘””‘‹•ƒ‡•‘™ˆƒ…–”‹‡ǡ ƒ–Š–‹—•‰‹™– ‡‹•ƒ‘Ž–ˆŠǦ —‘–˜‹‡Ž‡„‡””—ƒͳ”ǡ›ʹ͵ͲͳʹǡͳʹͲƒʹʹ†Ǥ ™Š‹‡ŽŽŽ‘”—ƒ HE

ˆ‡”‹‰ Š‘‡ Ž‘ƒ• –‘ ƒ•™ƒ–‹ …ƒ „‡ ˆ‘” ’—”…Šƒ•‹‰ ˆ‹‹•Š‡† ™Dz‹–Š‘‹•—–‘Šˆˆƒ‡˜”‹‹•‰ –‹‘ ’•ƒ—›’’ƒ‘†”‡–’–‘‘•‹‘–Ǥ—” ƒ’”‘†’„‡—”–››‹ǡ…‰‘˜•ƒ–…”ƒ—…–‹Žƒ‰†‡ǡdz™ƒŠ•‘–ƒ–‡•Ǧ –…‹—•–‡‘•ǡ –‡Š”‡• •ƒ‘•…™‹‡‡–›ƒ‹•˜‹‘‰ˆƒˆ‡–‡”‹…—‰””…‡—•–Ǧ …—‡•–‘–„›‡”• ™•Š–ƒ‘–•‡‡†Ǥ ƒ†’†’‹Ž‹–…‹‘ƒ–‹ƒ‘ŽŽ›•ǡ –‘‡”• ͳͲͲΨ ˆ‹ƒ…‡ ˆ‘” Š‘‡ „‡…‘‡ •—……‡••ˆ—Ž •–ƒ† –‘ ™‹ ƒ Ž‘ƒ•ƒ’‘’ˆˆŽ‡‹…”‡ƒ†–‹‘ƒ–•œǤ ‡”Š‘‡•’‡‡ƒ”…”‡Š–‘†‡‡Ǧ •Š’ƒ‡”ƒ‡‘‹ˆ‰’”–‘‹œ‡••‘˜ƒ‡Ž—‘‡ˆ†–ƒŠ–‡ …͹—Ͳ•ǡ–Ͳ‘ͲͲǦǤ …ˆ‹‡ŽƒŽ—‡›…‹–‹ƒ‰Ž™…›ƒŠ‘›ƒ—Ž”Ž–‡‘ˆ‹”‰•’‡–•”ŠǤ‘˜‘‹†‡ ‹•‡ƒ…—”‡‹–š›Ǧ ™ˆ‹–‘Š”‹•ƒ›–‹‘›—‘’”—‘•”…‡–ƒŽƒˆƒ–”–—†‘Ž›„›ƒ‡‘ˆ—ˆ˜‘”‹”‰†ˆ‹ŽƒǤƒ‘–‹”Ž›ƒǡ„„‘—”‡–

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T›‡‘”•—›”‘’—‘”Ž‹ƒ…•›•‹‡–…•Ž—ƒ †‡“• —†ƒ‡–„‡”Ž›‹•……ŠŽ‡ƒ… —’ ƒ† †‹•’‘•ƒŽǢ

•†–”‡‘–‰‹ˆ‡›•– ™’Šƒ”‹…–Š‘ˆ ”–‘Š‘‡Š‘‹—••‡ǡ–Š‹‡ …ƒ•‡ ›‘— ‡‡† •Š‡Ž–‡” ‹ ›‘—”

◗ Š‘‡ †—”‹‰ ƒ •‡˜‡”‡ •–‘” ‘” …–Š›‡…Ž‘•‡ƒǤŽŽ‡•–—ƒ”‘ŽŽ‘›–Š‹‹• –™Š‡‘—ŠŽ‘†—•„‡ǡ ™†‹‡–Š––‹Šˆ›‡ ™Ž‡Šƒ‡•–”‡™ƒ‹ †‘Š™‘•™Ǣ –‘ –—” ‘ˆˆ –Š‡ ƒ‹• •—’’Ž› ˆ‘” ™ƒ–‡”ǡ

‡”• ™Š‘ Šƒ˜‡ „‡‡ˆ‹––‡† ˆ”‘ –Š‡ …ˆƒ…–‹’‘ƒ‹‰ƒǡ† –‡Šš‡…›‹–‡‡š’‡”‡–•ˆ•‘‡”†Šƒ•ƒ˜–‹‹•‰Ǧ –Š‡‹” Ž‘ƒ ƒ’’Ž‹…ƒ–‹‘ ƒ’’”‘˜‡†Ǥ ‡”Š‡‘ˆ Š‘”‡‡Žƒ‘‹ƒ••ƒ™•–‹ƒ–Š„Ž‡ͷͻ’”›‘‡˜ƒ‹†”•Ǧ ‹‘ˆ‰Ǥ‡š’‡”’–‹”•‘‡’‡‹”–›’”ˆ‹‘’ƒ‡”…–‹›‰ˆ‹‹•ƒ†‡…Ǧ •‹‰‡† –‘ ‡‡– †‹ˆˆ‡”‡– …—•–‘‡” †‹‡–‡‹‘†•Ǥ• ƒ’‡’Ž›‡ƒˆ„ˆ‘‡”†–ƒ‡„”‹Ž‹•–›ƒǤ † …‘Ǧ ‹Š‘ˆ‘”„‡”ƒƒŽ‘–‹ƒ…‘ŠǤ …‘ ––ƒŠ…‡– ›œ‘‡”—‘” ’‡”ƒ…”‡•– ’‘—™”…‡Š”ƒƒ•‡†‡‰ƒ‡•Ǥ”‰‡…› ‡••‡–‹ƒŽ• –‘ Šƒ˜‡ ‘ Šƒ†ǡ •—…Š ƒ•ǣ ‹†‡ •ƒƒ•†„‹ƒ‰• –ˆƒ‘’” ‡ •ƒˆ‘†”„ƒ‰™‰‹‹†‰‘™‹•Ǧǡ ◗

„†ƒ‘…‘”™†ƒ”ƒ•Š‹ˆ•”‘–‘’ˆ”Ž‡‘˜‘‡†‹–•‰‡Ǥ ™‡”ƒ‰‡ ˆ ›‘—” Š‘‡ ‹• ‡š– –‘ ƒ ”‹˜‡” ‘” ‘ ‘—–ƒ‹•ǡ „‡ ˜‹‰‹Žƒ– ‘ˆ •—”Ǧ ”‘ƒ—••†‹‘‰˜•‡ǡ ƒ•‡–Š–‡‘›ˆ –Š‡ƒ›•‘‡‹šŽǡ’”‡‘”…‹‡•‘…‡” ‘™–Š‹‡…”Š†‹‡†„‘”‹‘•”†‹‘–‡™•ƒ›‘•Ž—‘™’‡‹ŽǤŽ †‡‡†–‹–ˆ‘› ”ƒ‹•‡ ‘” ‡’–› ‹ˆ ˆŽ‘‘†‹‰ –Š”‡ƒ–‡• ›‘—Ž•”‘Š‘…‘‡•Ǥ‹†‡” ƒŽ–‡”ƒ–‹˜‡• –‘ …ƒ”Ǧ ’‡– ˆŽ‘‘” …‘˜‡”‹‰•ǡ ”‡Ž‘…ƒ–‹‰ ‡Ž‡…Ǧ –”‹…ƒŽ •‘…‡–• ƒ† ’‘™‡” ’‘‹–• –‘ ™‡‹Ž–Ž ƒ™„‘‹˜‡†‘ˆŽ™‘‘•” Ž™‡˜‹–‡ŠŽǤ •Š—––‡”• ‘” ‡–ƒŽ •…”‡‡• ˆ‘” ƒ††‡† ’”‘–‡…–‹‘ †— ”‹”ƒ‰Š‰‡‹‰ƒŠ ™’”‹‘ˆ†‡•Ǥ•‹‘ƒŽ „—‹Ž†‡” –‘ •…‡Š‡…‡ƒ—…•”—‹–”››‡‘–•‘—–”™‘ „‹–—Š…‹•”Ž–†‡ƒ‹ƒ•†‰‡ Š‹ƒ–‹•‰Š†•–™”‹—†‹…‡–†—•–”‹Ǥˆƒ›Ž

if

The recent rains are evidence that property owners need to start preparing their properties and be ready for, surviving and minimising potential property damage.