I’ve just moved in to my new apartment which I really, really love. I’m especially happy as I was extremely lucky to get my hands on it in the first place, and in this place I’m going to tell you how it happened. In the city I live, finding a place to live is far from easy, especially if you want to live in the good parts of town were crime is low and you’re close to all the action that you want. Apartments are quite expensive, and I had spent the last two years sharing an apartment with three other people. I didn’t particularly dislike having to share a place, as long as I had my own room. Eventually we all became good friends and hung out quite a lot together in our place. But at age 29 I felt that the time had come for me to find my own place, to really start out my “adult life”, if that’s what you’d like to call it.

So I started looking around in newspapers and online sites after a new place where I could move in. As flats are rather expensive in my city, I figured a two room apartment would do the trick – I would have a bedroom to sleep in and a living room to relax in. I could have probably done with a studio flat, but considering the fact that my girlfriend might move in with me in the future, it’s better to prepare for that straight away.

After a few weeks of looking around, visiting many terrible flats in dodgy neighborhoods with water leakages, rats and all that sort of stuff, I finally found it: The perfect place! It was a two room apartment just outside the city centre, in what’s considered to be one of the best areas in town for young professionals. The flat had been newly refurbished, and although the rent was just a little bit higher than what I had set out for, I knew this place was for me. But here came the problem.

In order to rent the flat, the agency demanded that you’d pay 2 months’ rent as a deposit, which was to be paid back when you moved out of the flat, something that I had heard about before, but didn’t think was put into practice that often. So here I was, with the perfect flat, but not being able to afford both the deposit and the first rent until I got paid in two weeks. I couldn’t take the chance of waiting either, as I knew a place like this would have been snapped up straight away.

What I did was that I went online and applied for a quick loan. This is a pretty new form of loan which isn’t as complicated as other types of loans. Basically, you can borrow as much as £1000 for up to a month, as long as you don’t have any bad credit check. With the loan I was then able to pay of the deposit and move into my new place. Now, the interest rates for these types of loans are usually pretty high, but for me it was definitely worth the extra money as it meant I could move in to the perfect flat!

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