There are a large number of furniture stores in South Africa which mainly operate on a credit basis. These stores traditionally cater to the lower LSM (Living Standards Measure) consumers, due to their lack of expendable cash at any given time. These stores offer mechanise on credit, which usually attracts a fairly high interest rate.

Customers can often choose their repayment term (remember that the sooner you can pay back the amount for the item plus the interest, the less interest you will ultimately pay).

Joshua Doore outlines its payment options as such:

• Pay over 24 months at 22.10% interest with a 10% deposit
• Pay over 36 months at 15% interest with a 10% deposit
• Pay over 48 months at 10% interest with a 10% deposit
• Pay over 60 months at 10% interest with a 10% deposit

Here is it evident that the longer the repayment term, the lower the interest rate. It is worth investigating thoroughly each store’s repayment options, to ascertain which option is best for your financial situation and future financial predictions.

Ellerines is a large established furniture store catering traditionally to the lower market. This store, like many others, provides finance through a registered bank. Furniture City is another store operating largely on credit sales however this store caters more to the middle market. Both provide finance through African Bank.

To apply for this type of finance, stores would usually require proof of income, and many would also conduct a credit check to ensure that you have not been blacklisted by a creditor in the past.

Should you meet the required conditions to get finance, getting brand new furniture suddenly becomes very easy. Sometimes, it can be a little too easy. Paying R300 per month for that brand new leather sofa doesn’t feel like much at all, but add a dining room table, a new flat screen, a TV stand and a new dishwasher into the mix, and your monthly debt amount can suddenly rise into the thousands.

There is also a vast array of more upmarket stores, which do not offer credit sale at all. Coricraft is one such store, which has grown significantly in stature and awareness over the last few years. Coricraft was started over 20 years ago. Today the chain employs over 400 staff, and manufactures in excess of 190 couches per day.

Coricraft prides itself on selling only locally produced furniture, and offers a truly stunning range of couches, bedroom furniture, dining room tables and chairs, as well as TV stands, bookshelves and the like.

On the very “exclusive” side of the furniture store spectrum are stores like Whetherlys. Whetherlys is a self-proclaimed “acknowledged trendsetter in the design of innovative quality furniture and accessories.” (www.whetherlys.co.za). The chain offers locally manufactured and imported products, and has a strong focus on exclusive furniture. The key here is that you purchase signature pieces, as opposed to buying a mass-produced couch.

Finding the right furnishings and home furniture store is really a matter of budget and taste – there are a lot of options, so make sure you check out all the possibilities before making a purchase.

House Furnishers and Home Furniture Stores is an original post from: Furniture For All

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Looking through different lounge suites isn’t easy because finding something you like is often expensive and whatever is in your budget you don’t seem to like very much; when it comes to home furniture at Lewis stores, there is so much for you to choose from you are sure to find something you really like and what your budget allows. If you don’t find what you like by looking at their catalogue, you could just visit one of their branches as they often have more on the floor at the actual store than they do have online.

Even redoing your bedroom is easy if you shop here as they have everything you need to make your house look like a new home. Adding a dining room table to your living room always creates a warm feeling in a home, and it looks good too. Lewis has a range of dining tables to choose from so you can pick the perfect shape, height and size to suit your family and home. Keep your eyes open for the specials they often have running and buying your home furniture at Lewis stores will be even more affordable.

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However, if you own a house, there is nothing wrong with putting some built-in wardrobes into the bedrooms so that you have some storage space, which always comes in handy. When you purchase a DIY kit to build the cupboard yourself, it should come with images for installation, which makes it easier as you can see exactly what the wardrobe should look like when you are done with it. Every bedroom should have build-in cupboards; it gives you more space for other items in the room and it also looks neater. This is especially useful if the rooms are small; having cupboards that are built in will make a big difference.

The only problem with moving into a new house that has built-in cupboards in every room is that you have to get rid of your cupboards, wardrobes, chest of drawers etc, unless you have the space to keep it all, which can make your home seem a bit cluttered. Either way, to have built-in is always useful, whether you have a large house or a small one, it is more beneficial to have built-in wardrobes than it is to cart around furniture to keep your clothes in, every time you move house.

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You will definitely be making the right choice when choosing weatherproof outdoor patio furniture, and those days of visitors standing around can come to an end. Do some research and find those stores where you will be able to find the wicker outdoor furniture prices affordable. Don’t waste another minute wondering if this is going to be a great investment or not. You will be able to find pieces in wrought iron and aluminium, and this can really prove to great additions to the garden. How many times have you found yourself running around trying to find seats for your visitors?

Now you can be organized, and the next time your visitors come around you will not need to worry about where everybody is going to sit. Take a moment to have a look on the internet and see what is available. Look around and then compare a few prices.

Weatherproof Outdoor Patio Furniture is an original post from: Furniture For All

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If you are keen to start looking in stores for patio and outdoor furnitures you should go with an idea of what types of furniture you can afford, and a good description of your garden as it is now so that the shop assistants can give you all the help you need. There is no point in buying things that are not weatherproof because you want the whole process to be affordable. A garden with wicker, aluminium or wrought iron furniture is one that is malleable to all seasons. Sometimes wicker can be damaged by the rain so it is a good idea to keep it under cover if possible, or in a garden shed.

Sticking to indigenous plants will keep your gardening costs down because you won’t have to waste electricity or water. That way you will be able to spend a bit more on the patio furniture you like or on a great awning or partial cover to ensure that even when it’s raining you can sit outside and enjoy a meal. If you care about nature, be green and try to stick to environmentally friendly patio and outdoor furniture.

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Cape Town has many options for you to choose from when you are looking for good beach house furniture. You should furnish the entire house, the dining room being the most important as that’s where you will entertain your guests. The décor in your bedroom is also important as that is where you spend time on your own or with your partner, so you have to make sure that it is comfortable for both of you. The outdoor braai area should also be seen to, as in summer it is more than likely going to be used often; there is nothing better than having a refreshing swim in the ocean and coming home to stand in front of the fire while the meat sizzles on the grid.

You are sure to find everything you are looking for in a catalogue and what’s great about looking in there is that you can see pictures of what it is you are interested in and don’t have to conjure up a picture in your mind which could be totally off the real thing. Think wisely about making a final decision when it comes to beach house furniture, make sure it is what you really want before you purchase it.

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Coricraft are excellent lounge suite manufacturers that will be more than happy to assist you with your search for leather lounge suites. You could also visit Furniture City online and see if you can find something you like, then it saves you from driving to the store. If you think you will be more successful by going straight to Coricraft, then that is what you can do. The sooner you get your living room into shape the better, and then you can get your visitors over so you can show off your new investment. Home furnishing isn’t always the easiest thing to do, nor is it cheap, but sometimes it has to be done.

You have to take pride in your home and that doesn’t mean you have to buy the most expensive furniture, but rather just keep your home looking neat and tidy. If you buy a decent couch and chairs to start off with you won’t have to replace it for some time so you can relax knowing that your seating arrangements are sorted for the next few years. You can buy second hand leather lounge suites from shops in South Africa although we are of the opinion that it is better to buy them new.

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