#bank home loan interest rate

[financing007]

Secure a transformative home loan journey with key tips for approval, responsible borrowing, and Mpower Credcure's support in India. Contact us at 7030489999 or visit our site at www.mpowercredcure.com

[relaxedstyles]

It's getting real out there ...

[fincrif]

Should You Take a Personal Loan for Buying Furniture?

When it comes to furnishing your home or office, furniture is an essential investment that significantly impacts the comfort and aesthetics of your space. However, furniture can also be quite expensive, especially if you’re aiming for high-quality items or need to furnish multiple rooms at once. If you're short on funds, you may wonder: Should you take a personal loan for buying furniture?

In this article, we’ll explore the pros and cons of using a personal loan to buy furniture, other financing options available, and the best lenders offering personal loans for furniture purchases.

1. Understanding Personal Loans for Buying Furniture

A personal loan is an unsecured loan that you can use for any purpose, including purchasing furniture for your home or office. Since it’s unsecured, you don’t need to provide collateral, making it a relatively easy way to secure funds.

Many people consider taking a personal loan for buying furniture because of the flexibility it offers, such as:

Choosing the store from which to buy furniture (no restrictions).

Using the loan for multiple purchases across different categories (couches, beds, tables, chairs, etc.).

The ability to repay the loan in easy monthly installments over a tenure that suits your budget.

2. Benefits of Taking a Personal Loan for Furniture Purchases

2.1 Quick Approval and Disbursal

Unlike other types of financing, a personal loan often has quick approval and disbursal, usually within 24-48 hours, allowing you to purchase the furniture immediately without delay. This can be beneficial if you need to furnish your space in a hurry.

💡 Tip: Some banks and lenders offer instant online loan approval for personal loans, making it even more convenient.

🔗 Best lenders for quick loan approval: 👉 IDFC FIRST Bank Personal Loan 👉 Bajaj Finserv Personal Loan

2.2 No Collateral Required

Since personal loans are unsecured, you don’t need to pledge any assets as collateral. This makes them an attractive option if you don’t want to risk your property, car, or savings.

2.3 Flexible Repayment Tenure

Personal loans offer flexible repayment terms, typically ranging from 1 to 5 years, which can be adjusted to your monthly budget. This allows you to repay your loan in affordable EMIs, thus reducing financial pressure.

💡 Tip: Choose a longer loan tenure if you want lower EMIs, but remember that it will result in paying more interest over time.

2.4 Competitive Interest Rates

Depending on your credit score and income, you may be eligible for competitive interest rates with personal loans. Salaried individuals or those with higher credit scores may qualify for interest rates as low as 10-12% p.a.

🔗 Best lenders for competitive interest rates: 👉 Tata Capital Personal Loan👉 Axis Finance Personal Loan

2.5 No Restrictions on Use

One of the primary benefits of a personal loan is the freedom to use the loan amount however you wish. There are no restrictions on how you spend the loan, so you can use it to buy furniture or invest in other home improvements if necessary.

3. Disadvantages of Using a Personal Loan for Furniture Purchases

3.1 Higher Interest Rates Compared to Store EMI Schemes

While personal loans offer flexibility, they typically come with higher interest rates than zero-cost EMI options available at furniture stores or through credit cards.

💡 Tip: If the store offers zero-cost EMI schemes, compare it to the personal loan’s interest rate to check which option saves you more money.

3.2 Impact on Your Credit Score

Since personal loans involve regular EMI payments, missing payments or taking on too much debt can negatively affect your credit score. Be sure that you can manage the repayment before applying for a loan.

💡 Tip: Setting up auto-debit for loan payments ensures you never miss an EMI.

3.3 Loan Processing Fees and Other Charges

In addition to interest, personal loans often come with processing fees, typically ranging from 1-3% of the loan amount. These fees add to the total cost of borrowing and may increase the overall price of the furniture.

💡 Tip: Always read the fine print and ask about processing fees and any other charges before signing the loan agreement.

3.4 Short-Term Debt

Furniture is a short-term asset compared to other long-term investments like real estate or education. Using a loan to finance something with a limited lifespan could result in long-term debt for a short-term purchase.

4. Alternative Financing Options for Buying Furniture

Before opting for a personal loan, consider these alternatives:

4.1 No-Cost EMI Schemes

Many furniture stores and brands offer zero-cost EMI schemes, which allow you to pay for your purchase in installments without additional interest. This is one of the most affordable ways to finance your furniture.

💡 Best for: Buyers who have access to store EMI options and want to avoid interest charges.

4.2 Credit Cards

If you have a credit card with a high limit, you may be able to purchase furniture and pay it off in EMIs. Many banks offer interest-free EMI schemes for up to 12 months on furniture purchases.

💡 Tip: Ensure that you pay off the balance before the interest-free period ends to avoid high interest charges.

4.3 Home Renovation Loans

If you're also looking to make other home improvements along with buying furniture, you could opt for a home renovation loan instead of a personal loan. These loans are typically available at lower interest rates and are designed for larger home-related purchases.

4.4 Loan Against Fixed Deposit (FD)

If you have a fixed deposit with a bank, you may be able to take a loan against FD at a much lower interest rate than a personal loan. The interest rates for these loans are usually 8-10% compared to 12-24% for personal loans.

5. How to Apply for a Personal Loan to Buy Furniture

If you decide that a personal loan is the right choice, follow these steps:

Step 1: Compare Personal Loan Offers

Start by comparing interest rates, processing fees, and repayment terms from various lenders to find the best deal.

🔗 Compare personal loans here: 👉 Compare Personal Loan Offers

Step 2: Check Your Eligibility

Personal loan eligibility is based on factors such as income, credit score, age, and job stability. Ensure you meet the lender’s requirements before applying.

Step 3: Submit Your Application and Documents

Once you’ve selected a lender, submit your application along with the required documents, such as: ✔ Identity proof (Aadhar Card, PAN Card, etc.) ✔ Address proof (Utility bills, Rent Agreement, etc.) ✔ Income proof (Salary slips, Bank statements, ITR)

Step 4: Loan Approval and Disbursal

After your application is approved, the loan amount is typically credited to your bank account within 24-48 hours.

Should You Take a Personal Loan for Buying Furniture?

Taking a personal loan for purchasing furniture can be a good idea if you need quick access to funds, but it comes with certain costs and responsibilities. The benefits include quick disbursal, flexible repayment options, and no collateral required, while the drawbacks involve higher interest rates, processing fees, and potential impact on your credit score.

Key Considerations:

✔ Consider zero-cost EMI schemes if available in-store. ✔ Ensure you can comfortably repay the loan without affecting your financial stability. ✔ Compare loan offers from various lenders to secure the best deal.

For the best personal loan offers to finance your furniture purchase, apply here: 👉 Compare & Apply for a Personal Loan

With the right approach, you can furnish your home or office without straining your finances and enjoy the benefits of manageable loan repayments. 🚀

[poojalate]

Common Mistakes to Avoid for a Quick Home Loan Approval

Applying for a home loan can feel like a long and complicated process. However, with the right approach, you can significantly speed up the approval process. To help you achieve quick home loan approval, we’ve outlined common mistakes to avoid and shared tips for a smoother experience.

Why Quick Home Loan Approval is Important

Getting approved quickly for a home loan is crucial, especially in competitive housing markets. It ensures you can secure your dream home before someone else does and reduces the stress of prolonged uncertainty.

Mistake 1: Not Checking Your Credit Score

Your credit score is one of the first things lenders evaluate. A low score can delay or even deny approval.

Tip: Regularly monitor your credit report for errors and ensure timely payments to boost your score.

Mistake 2: Ignoring Debt-to-Income Ratio (DTI)

Lenders assess your DTI to determine if you can handle additional debt.

Tip: Aim for a DTI below 40%. Pay off smaller debts before applying for a home loan.

Mistake 3: Failing to Provide Complete Documentation

Incomplete or missing documents are a common reason for delays.

Tip: Keep all necessary documents, such as income proof, tax returns, and bank statements, ready in advance.

Mistake 4: Applying for Multiple Loans Simultaneously

Submitting several loan applications at once can harm your credit score.

Tip: Research lenders carefully and apply with the one that best fits your needs.

Mistake 5: Not Researching Loan Options

Different lenders offer different products, rates, and terms.

Tip: Compare multiple options and choose one that aligns with your financial goals.

Mistake 6: Skipping Pre-Approval

Pre-approval gives you an edge when negotiating with sellers.

Tip: Obtain pre-approval to show you’re a serious buyer and speed up the process.

Mistake 7: Changing Jobs Before Loan Approval

Lenders prioritize applicants with stable employment. A job change can signal financial instability.

Tip: Avoid switching jobs until your loan is approved and processed.

Mistake 8: Making Large Purchases During the Application Process

Big expenses can disrupt your financial profile and delay approval.

Tip: Postpone major purchases like cars or furniture until after your loan is finalized.

Mistake 9: Not Clarifying Loan Terms and Conditions

Misunderstanding terms can lead to unexpected costs or issues later.

Tip: Review all terms, conditions, and fees with your lender. Don’t hesitate to ask questions.

Mistake 10: Ignoring the Down Payment Requirement

Down payments play a significant role in determining loan approval and terms.

Tip: Save up for a substantial down payment to improve your approval chances and reduce loan costs.

How to Streamline the Home Loan Approval Process

Be proactive about gathering documents.

Regularly communicate with your lender.

Work with a mortgage broker for expert advice.

The Role of Communication with Your Lender

Maintaining open communication with your lender can prevent misunderstandings and delays. Always keep them updated on any financial or employment changes.

Conclusion

Avoiding common mistakes and being well-prepared can make all the difference in securing quick home loan approval. From checking your credit score to staying organized with your documentation, every step counts toward a smoother and faster process.

[divyarajput7]

Home Loan Interest Rates 2024–2025: Trends, Insights, and What to Expect and How to Prepare

Navigating the world of home loans in 2024 comes with challenges and opportunities. With economic shifts, Federal Reserve policies, and housing demand all playing a role, here’s what you need to know about current and upcoming trends in mortgage interest rates. Current Home Loan Interest Rate Trends (2024) As of early 2024, home loan rates remain higher than the historic lows seen in 2020–2021…

[realityradio101]

Coming up on RealityRadio 101, (http://realityradio101.com), it is..."Your Home...YOUR Money," a real estate show! Join the crew as they discuss real estate (and their lives regarding it)! Listen in: 7:30 - 8:30 p.m. Eastern Write in: yourhomeyourmoney101@gmail.com

[saurabhshinde16]

Cosmos bank - Loans | Accounts | Personal Banking

At Cosmos Bank, we believe that your financial requirements are as unique as you are an individual. For this singular reason, we bring to you an extensive bouquet of services to empower your financial journey, from saving for your cherished dreams to securing a future. Let us now enter the Cosmos Bank universe and find some solutions to manage your money effectively: Saving for the Future: Regular Savings Account: Develop a solid foundation with our regular savings account. Earn interest on your deposits and have access to liquidity in meeting your daily financial needs. Rapid Online Savings Account: Manage your money on-the-go with the rapid online savings account that offers competitive interest rates and flexibility through deposits and withdrawals at your convenient time and place using our friendly mobile app.

Growing Your Wealth Fixed Deposit Scheme: Solidify all your long-term goals through our fixed deposit scheme. Choose your deposit tenure of your preference and enjoy guaranteed interest rates. This is one ideal way to build a corpus for any big occasion, be it your child's education or your retirement.

Recurring Deposit Scheme: Inculcate the regular saving habit with the recurring deposit scheme. Systematic savings will help you in realizing all your financial goals and dreams. Loans—Be it a car, house renovation, or consolidation, Cosmos Bank offers a variety of loans to fulfil all your needs. Make your aspirations closer through an easy application process and competitive rates of interest.

Meet your Business Needs Entrepreneurship is not only being your own boss, but also a definite step towards ensuring a greeting in life through the Swayamsiddha Loan Scheme, specially designed for the self-employed. This scheme comes with very attractive interest rates and easy repayment modalities. Cosmo Udyog Loan Scheme: Broaden the base of your business with the Cosmo Udyog Loan Scheme. It caters to established business enterprises, having requirements such as financial assistance for expansion, augmenting working capital, and acquisition of equipments.

Beyond Banking: Cosmos Bank offers more than a usual banking service. We make available a wide range of digital tools and resources to you so that you can get the most out of the banking project. Our online banking service enables you to reach your accounts, settle bills fast, smooth and conveniently as well as receive live financial updates whenever you want. Come to the nearest Cosmos Bank branch to avail these services, or visit our website for detailed information on these services and find out ways we can help you explore the universe of your finances. Remember, it is a step toward building a trusted partnership with you for all of us at Cosmos Bank on your journey to financial success.

[bhavishyafinancenu]

How to find Right Home Loan Bank

Made the decision of buying a home loan? That’s good to hear but, confused where you will find the Right Home Loan Bank? Well, choosing a right lender becomes crucial because that will make a huge impact on your whole process. You might get a lot of options of lender for your home loan but choosing the right one is in your hands. With proper research and knowledge, you won’t face this issue and find this whole process a lot easier.Before taking a home loan you need to identify about the needs and your capability to hold it. How much you can consider taking according to your financial capability, your credit worthiness and from where you are taking it. The interest rate and the hidden charges both has impact on the overall pay.

[bhavishyaperformship]

How to find Right Home Loan Bank

Made the decision of buying a home loan? That’s good to hear but, confused where you will find the Right Home Loan Bank? Well, choosing a right lender becomes crucial because that will make a huge impact on your whole process. You might get a lot of options of lender for your home loan but choosing the right one is in your hands. With proper research and knowledge, you won’t face this issue and find this whole process a lot easier.Before taking a home loan you need to identify about the needs and your capability to hold it.

[digitaltechpro]

Ways to get bank loan for building a house in the village

If you want to know in detail ways to get bank loan for building house in village then you have to read this post till the end. We all want to make our dream home a reality. But we can’t build a house because we don’t have enough money together. At present, if you have a dream of building a house, then you can convert it very easily with the help of the bank or by taking a home loan from the…

[fincrif]

How Personal Loans Differ from Other Types of Loans

When it comes to borrowing money, different types of loans serve different financial needs. Personal loans stand out due to their flexibility, but they differ from home loans, car loans, education loans, and other types of credit in several ways. Understanding these differences helps borrowers choose the right loan based on their specific financial situation.

1. Definition and Purpose

Personal Loans

A personal loan is an unsecured loan that borrowers can use for any purpose, including medical emergencies, travel, weddings, home renovation, or debt consolidation. Since it does not require collateral, approval is based on the applicant’s creditworthiness, income, and employment status.

Other Types of Loans

Other loans, such as home loans, auto loans, or education loans, are purpose-specific. These loans come with defined terms, eligibility criteria, and conditions on how the funds can be used.

2. Secured vs. Unsecured Loans

Personal Loans

Unsecured loan: No collateral required.

Approval depends on credit score, income, and employment status.

Higher interest rates due to the absence of collateral.

Other Loans

Many loans, such as home and auto loans, are secured against an asset.

Lenders hold the right to seize the asset if the borrower defaults.

Lower interest rates as there is reduced risk for the lender.

3. Loan Amount and Usage Flexibility

Personal Loans

Can be used for any financial need with no restrictions.

Borrowers can get amounts ranging from ₹50,000 to ₹40 lakh, depending on the lender and eligibility.

Other Loans

Loan amounts are often higher but are restricted to specific expenses.

Example: Home loans can only be used for property purchase/construction.

4. Interest Rates and Repayment Terms

Personal Loans

Interest rates range from 10% to 24% per annum, depending on the lender and borrower’s profile.

Repayment tenure is generally between 1 to 7 years.

No requirement for a down payment.

Other Loans

Interest rates are lower for secured loans. Example: Home loan interest rates start as low as 8.50% per annum.

Tenure can be significantly longer (e.g., home loans up to 30 years).

Some loans require a down payment (e.g., car loans typically require 10%-20% upfront payment).

5. Processing Time and Approval

Personal Loans

Quick processing, often approved within 24-48 hours.

Minimal documentation required.

Can be applied online with instant approval options.

Other Loans

Longer approval and verification process, sometimes taking weeks (e.g., home loans require property verification, legal checks, and valuation).

Extensive documentation needed (e.g., property papers for home loans, vehicle details for auto loans).

6. EMI and Prepayment Flexibility

Personal Loans

Fixed EMIs throughout the loan tenure.

Prepayment options available but may include charges.

Other Loans

Some loans, like home loans, offer both fixed and floating interest rate options.

Prepayment rules depend on the lender and loan type. For instance, home loans allow partial prepayment without penalties in certain cases.

7. Impact on Credit Score

Personal Loans

Improves credit score if paid on time.

Defaulting can severely impact creditworthiness.

Other Loans

Long-term loans (e.g., home loans) contribute positively to credit scores when managed responsibly.

Secured loans may be easier to get even with a lower credit score.

8. Eligibility Criteria

Personal Loans

Salaried and self-employed individuals can apply.

Requires a minimum monthly income (varies by lender).

A good CIBIL score (700+) is generally required.

Other Loans

Eligibility varies based on the type of loan.

Home and car loans require income proof and good repayment capacity.

Co-applicants may be needed for some loans to improve approval chances.

9. Loan Providers Offering Personal Loans

Many financial institutions in India offer personal loans with competitive interest rates and benefits:

IDFC First Bank Personal Loan – Apply Here

Bajaj Finserv Personal Loan – Apply Here

Tata Capital Personal Loan – Apply Here

Axis Finance Personal Loan – Apply Here

Axis Bank Personal Loan – Apply Here

InCred Personal Loan – Apply Here

10. Which Loan is Right for You?

If you need quick funds for any purpose, a personal loan is the best choice. If you are making a large purchase like a home or car, a secured loan may offer better interest rates and longer repayment options.

Personal loans stand out due to their flexibility, quick approval, and unsecured nature. However, they come with higher interest rates compared to secured loans like home or auto loans. Understanding the differences between personal loans and other types of loans ensures that borrowers choose the right financial product based on their needs.

To explore the best personal loan options, visit FinCrif and compare lenders to find the perfect fit for your financial needs.

[clearpacificcapital]

Financial service

Website : https://clearpacific.com.au/

Address : 2 cedar place, Broadbeach waters, QLD 4218

Phone : +61 0435 811 424

At Clear Pacific Capital, Inc. as Australia’s premier mortgage broker, our clients are our number one priority. We have been helping thousands of clients with for 20+ years. Clarity, Strategy, Service!

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[suguann]

tags. fem!reader, boss/employee relationship, stupidly domestic, little wife kink in there somewhere, nanny reader, single dad gojo, breeding kink [18+ only]

You sometimes find yourself wistfully imagining having a family of your own—a soft and sweet little bundle to cuddle and someone strong and capable (competent) at your side. But you can’t think of the last time you’ve been on a date where that person had the same interest in something more serious than casually sleeping around. 

Nannying seemed like the natural conclusion, especially when you’re still settling in a new city and barely scraping by for rent and student loans for a degree you don’t use. 

You pick up a few jobs just to get a feel for it: parents going away for a honeymoon, a last-minute call-in, a weekend business trip. Then a friend of a friend says she makes enough to afford one of those picturesque apartments that overlook tall high-rises and iridescent lights, the very ones you’ve dog-eared in real-estate magazines.

All it takes are a few phone calls and an interview until you’re packing up your apartment and taking the freeway outside of the city to somewhere remote and expensive, your car looking almost out of place parked beside the shiny new one in the long driveway.

You rap on the front door before you lose your nerve, and a few moments later, it opens, and you’re unsure who looks more out of place: this man with a smile too big, dressed for work, immaculate suit dampened by the baby rag slung over his shoulder and what looks like drool on his crisp collar, or you in your scuffed shoes and second-hand store clothes, standing in front of the nicest house you’ve ever seen.

“The nanny?”

“Yes,” you mutter, licking your lips. “That’s me.”

“Good, Ren just woke up from his nap,” he says, opening the door a little wider with a creak. The darkness behind him is almost comforting.

You take a deep breath and pass over the threshold into his home.

The entire time, his hand stays on the small of your back to steer you toward the nursery, and a shiver threatens up the length of your spine.

Three months. That’s how long it takes before your employer poses a problem.

It’s not that he’s a terrible boss; in fact, he’s quite the opposite. He lets you take over one of the many spare rooms in his massive house, pays you double the regular rate, and gives you time off when you ask for it.

It also helps that Ren is cute, only a year old, and still so sweet and tiny. 

Perfect.

The problem lies in that you know what he sounds like first thing in the morning, that he knows how you like your coffee, that he helps you fold laundry in the living room while the baby naps, how you catch him staring anytime you hold his son—his expression shuttered, a foreign thing that you can’t read. It’s all so terribly domestic. 

Terrible in that you think it’s a horrible idea to develop a crush on your boss, that you can’t help but get flustered anytime he so much as looks your way, even if it’s fleeting. How a sleepy smile before he retires to his room for the night can turn your thoughts into a scattered, ill-defined mess of what they used to be until all that’s left are words like spun sugar melting on your tongue.

But also, it’s not normal, at least not from your experience. 

You were lucky in the past if your employer even wanted to know about their kid’s day. Barely saying hello once they walk through the front door before sending money to your bank account.

Satoru—because that’s what he asked you to call him one afternoon while you were in the middle of feeding Ren mashed banana, a lazy smile curling the edges of his lips after you say it for the first time—wants to know everything: what Ren ate, if he laughed, how your day was, if you finally got your hands on that book you’ve been meaning to buy. 

“You don’t have to ask about my day,” you tell him shyly, accepting the glass of wine he proffers you after spending the past hour trying to put a teething baby to bed. “To make me feel better, that is.”

“Would it be so bad if I said I want to? You live here, too.”

You try to separate the two: that he cares as your employer and not for any other reason, and how you sometimes catch the soft look in his eye whenever he looks at you could make you believe otherwise.

Cool fingers cup your chin gently, thumb caressing the top of your cheek, now close enough that you catch a few of the warm notes of his cologne, a move that’s probably very inappropriate between a boss and an employee.

“I never say anything I don’t mean.”

You swallow, nodding, slightly shaky, breath caught in your chest. “Okay.”

“Good girl.” He retreats to his office before witnessing how those two words knock the wind out of you.

He starts saying things like our shopping list, our car—because he gave you the keys to the SUV parked beside his car and hasn’t touched it since; for you and the baby, he said, plus it’s terrible on gas when I drive it to work—our house, our baby. You don’t think he means to do it; it's more of an easy slip in conversation.

But then, one morning, he’s rushing around the kitchen, hair still damp and smelling like his shampoo, as he grabs his coffee and briefcase from the counter, kissing Ren’s forehead first…and then yours.

You’re half convinced that you imagined it—that his lips hadn’t stayed there for a second longer than necessary—until he straightens his tie and heads out for the day with a ‘be good’ tossed over his shoulder, and you’re left wondering if he meant to say that to you or Ren.

It sets off a chain reaction of thoughts whirling away in your head, leaves you wanting and wondering—only ever allowing yourself to fantasize a little when the house is quiet and dark, the baby monitor humming on your nightstand, and images of your boss flit behind closed eyelids as you fit your hand underneath your soft sleep shorts.

In the morning, you worry he can tell what you did, his smile almost too sharp, too something—more teasing than what you’re used to—his hand resting on your lower back as he leans down to kiss Ren’s chubby cheek while you make breakfast.

“I have a meeting this afternoon, so I’ll be late. Want me to pick up some food on the way home?”

No, you think, there’s no way he knows.

You spend most of the morning cleaning and folding the array of graphic onesies Satoru has a penchant for dressing Ren in, and the later half walking around the pool because it’s warm and Ren enjoys splashing around in the water. It’s enough to tucker him out for bed early, unable to keep his eyes open while eating a plate of mashed potatoes.

It’s also the first time in weeks that you have the night to yourself, no baby keeping you busy, no Satoru to—well.

After a long shower, you step out of the bathroom, moving into the hallway. And there are many reasons why you felt confident walking the few steps it took to reach your bedroom. Most revolve around what Satoru told you that morning, so you don’t expect him to be standing there, shirtsleeves rolled up, piercing gaze sliding down the length of you wrapped in a towel and little else.

“I brought home those drunken noodles you like,” he says when his eyes focus back on your face, his whole expression softening into a smile.

A beat. “Thank you,” you whisper, unable to look away.

He tucks the wet strands of hair clinging to your cheek behind your ear. “Why don’t you get dressed, and I’ll join you downstairs?”

The noise in your brain goes static.

You’re unsure what causes it, but everything changes when he comes home early one afternoon and finds you and the baby napping in the nursery. He has this soft look on his face and something else you can’t decipher with his piercing blue eyes settled firmly on you.

Ren coos softly into your shoulder. 

When Satoru picks him up and settles him in the crib, then walks you to your room—here, let me help you—and when he hovers in your doorway, you let him in without question.

He doesn’t waste any time peeling off your clothes, eager to have you naked and splayed out underneath him. You cum on his tongue more times than you can count until you’re silently begging him to fuck you.

He laughs, large hands spread over your tummy. 

“Use your words, baby. I’m not a mind reader.”

You feel like you’re someone else watching you from somewhere else, another body rocking against the length of your boss’s cock, back arching every time you manage to find the friction you need. He’s hard against your back, thick in a way that makes you wonder if he did enough to stretch you out. 

“I-I want—”

All other thoughts are obliterated by the stretch and press of him against your cunt. 

“Think I’m going to keep you,” he rasps, lips dragging over your throat. “Keep this drippy little cunt spread open on my desk whenever I want while the baby naps. Would you like that? For me to fuck you full until you give me a baby.”

You clench, nerves shot.

“Gonna get all round with my baby, stay here forever,” he mumbles when he draws away, and you can’t tell if the words are meant for you to hear or slip out without him realizing. “Fuck—breed my little wife until it takes—”

Your eyes roll up, lost in the little promises he paints across your skin, body shivering over and over until you’re sobbing from it until he has to clamp a hand down over your mouth—shh, you’re going to wake the baby—going limp when he finally cums, pressing as deep as your body will allow, as if he can somehow imprint himself there. 

Wonders if maybe he’s been building up to this moment all along. 

It’s so easy to lay there after, blissed out while he litters kisses across your face and collarbones, letting him lift your hips up to slide a pillow underneath, even though the position is awkward when he tries to cuddle you afterward.

His fingers draw shapes on your stomach, giving you a wistful look, like he can’t believe he’s laying here with his cum still dripping between your thighs—no matter how many times he scoops it up and pushes it back inside you. “Do you think it’ll take?”

And you don’t have the heart to tell him about the little foil packet of pills tucked away in your nightstand.

[sahibandhu094]

Looking for the best gold loan services? Sahibandhu offers instant gold loans and loan against gold at competitive rates. Discover the ultimate solution for your financial needs. Apply now at https://sahibandhu.com/