#best bank for home loan

[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.

[hellyeahsickaf]

I found an extremely dope disability survival guide for those who are homebound, bedbound, in need of disability accommodations, or would otherwise like resources for how to manage your life as a disabled person. (Link is safe)

It has some great articles and resources and while written by people with ME/CFS, it keeps all disabilities in mind. A lot of it is specific to the USA but even if you're from somewhere else, there are many guides that can still help you. Some really good ones are:

How to live a great disabled life- A guide full of resources to make your life easier and probably the best place to start (including links to some of the below resources). Everything from applying for good quality affordable housing to getting free transportation, affordable medication, how to get enough food stamps, how to get a free phone that doesn't suck, how to find housemates and caregivers, how to be homebound, support groups and Facebook pages (including for specific illnesses), how to help with social change from home, and so many more.

Turning a "no" into a "yes"- A guide on what to say when denied for disability aid/accommodations of many types, particularly over the phone. "Never take no for an answer over the phone. If you have not been turned down in writing, you have not been turned down. Period."

How to be poor in America- A very expansive and helpful guide including things from a directory to find your nearest food bank to resources for getting free home modifications, how to get cheap or free eye and dental care, extremely cheap internet, and financial assistance with vet bills

How to be homebound- This is pretty helpful even if you're not homebound. It includes guides on how to save spoons, getting free and low cost transportation, disability resources in your area, home meals, how to have fun/keep busy while in bed, and a severe bedbound activity master list which includes a link to an audio version of the list on Soundcloud

Master List of Disability Accommodation Letters For Housing- Guides on how to request accommodations and housing as well as your rights, laws, and prewritten sample letters to help you get whatever you need. Includes information on how to request additional bedrooms, stop evictions, request meetings via phone, mail, and email if you can't in person, what you can do if a request is denied, and many other helpful guides

Special Laws to Help Domestic Violence Survivors (Vouchers & Low Income Housing)- Protections, laws, and housing rights for survivors of DV (any gender), and how to get support and protection under the VAWA laws to help you and/or loved ones receive housing and assistance

Dealing With Debt & Disability- Information to assist with debt including student loans, medical debt, how to deal with debt collectors as well as an article with a step by step guide that helped the author cut her overwhelming medical bills by 80%!

There are so many more articles, guides, and tools here that have helped a lot of people. And there are a lot of rights, resources, and protections that people don't know they have and guides that can help you manage your life as a disabled person regardless of income, energy levels, and other factors.

Please boost!

[deogirinagarisb]

Deogiri Nagari Sahakari Bank Ltd

The Bank was established on 24rd January 1984. The Bank Operates through its Thirty-One Branches, a state of Art Training Centre, A Modern Data Centre, and Head Office. All the Offices are air-conditioned, well equipped, fully computerized and interconnected. DEOGIRI NAGARI SAHAKARI BANK is the first bank in Marathwada to opt core banking pattern for its working. The bank is in the process of establishing ATM all over the city to cater to banking services to its customer round the clock.

The concept of DEOGIRI NAGARI SAHAKARI BANK was originated by Late Pralhadji Abhyankar & the bank came into being under the dynamic leadership of Shri. Haribhau Bagade, Late Shri Jayantrao Choudhari (Dhamangaonkar), Late Shri Chandumal Chotlani, Late Dr. V.G. Gharpure, Shri Sukhdev Nawle, Mrs. Kumud Rangnekar, Shri S.G. Gokhle, Dr. M.U. Deshpande, Shri G.R. Rege took an active part in establishing the bank.

The first branch of the Bank was opened on 23th Jan 1985. At present, the bank has its area of operations in chhatrapati sambhajinagar, Jalna, Ahmednagar, Parabhani, Jalgaon District, Pune & Mumbai. The Reserve Bank has opened all Maharashtra as an area of operation for us. The bank is also planning to tie up with state and national players to expand its network.

Deogiri Nagari Sahakari Bank Ltd. Aurangabad, is an Urban co-operative banking institution ,having its headquarter in chhatrapati sambhajinagar,Maharashtra. The Bank was established on 23th January 1984.The Bank operates through its thirty one (31) Branches, a state of Training center, A Modern Data Center, and Head Office. All the branches and offices are well equipped, fully computerized and interconnected. DEOGIRI NAGARI SAHAKARI BANK is the first bank in Marathwada to opt core banking pattern for its working. The bank is in the process of modernization and providing best as well as prompt services to its customer. The Bank has raised paid up capital of Rs.32.22 Crores, Reserve fund & other fund of Rs.272.80 Crores on 31st March 2022.The bank has Deposits of Rs. 1314.39 Crores & advances of Rs. 808.87 Crores, Thus the total business is of Rs. 2123.26 Crores.

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[winninghomeloans]

How to Find the Best Home Loans

The mortgage loan you choose can have a big impact on your long-term financial health. Compare rates, upfront fees and lifetime costs to find the best home loans for your unique situation.

The following lenders offer a variety of mortgage loan options. Some are geared toward borrowers with pristine credit while others offer less conventional paths to homeownership.

1.        Online Lenders

Whether you’re looking for a conventional, FHA or VA mortgage, an online lender could be your best choice. These lenders offer digital tools, such as document uploads and e-signatures, that streamline the homebuying process. Plus, many are able to offer mortgage rates lower than traditional lenders.

One standout option is Caliber reduce home loans, which offers a mortgage for selfemployed borrowers. Additionally, it’s one of the only lenders to offer a program for military buyers called the HomeBuyers Choice. This offers a 3% seller contribution toward closing costs and a lower down payment requirement.

Another option is New American Funding, which offers a full suite of conventional and government-backed mortgage loans. It also services all its mortgages in-house, which can make the process simpler. However, its rate quotes can be inconsistent and it doesn’t do a good job of explaining fees and rates. LoanDepot is a top contender in the online mortgage lender space, offering a digital experience and an extensive product lineup. Its mello smartloan technology helps streamline the mortgage process, and its mortgage experts can guide you along the way.

2.        30-Year Fixed Rates

Unlike an adjustable-rate mortgage, which can fluctuate, 30-year fixed mortgages have the same monthly principal and interest payments for the life of the loan. This is a good option for homebuyers who plan to stay in their new house for the long term.

However, it's important to understand that you may be paying more interest over the longer term of a 30-year mortgage compared to a shorter-term loan. This is because the total interest paid includes closing costs and other fees.

If you're interested in a traditional 30-year mortgage rate, the lenders below offer some of the best options for borrowers with excellent credit scores. They also have low mortgage rates compared to their competitors. But keep in mind that mortgage rates vary by lender and are subject to change at any time. So it's worth shopping around to find the best 30-year mortgage rates for your unique circumstances. Using a loan calculator is a great way to compare mortgage rates and determine which loan type is right for you.

3.        Lender Fees

Mortgage fees can be substantial, and borrowers should shop around for the best lender rates. These charges may include loan origination fees, application fees, document preparation fees, appraisal fees and more. ValuePenguin notes that these costs can add up to an additional $1,387 on top of a home loan's principal and interest payments.

Local lender Wesley Mortgage transforms homeownership dreams for aspiring buyers by providing flexible down payment and income requirements for a wide variety of applicants. It also provides a digitally-streamlined mortgage application process and offers a low minimum credit score requirement.

Chase is another well-rounded home loan provider that offers a wide array of standard and specialty mortgage programs, including government-backed FHA, VA and USDA loans as well as jumbo mortgages. Its HomeReady loan allows a down payment as low as 3%, and customers who have a qualifying bank relationship can receive a 0.50% interest rate discount on their mortgage. Other perks include a quick preapproval and speedy time to close.

4.        Down Payment Requirements

Coming up with the money for a down payment can be one of the biggest obstacles for first-time homebuyers. The best mortgage lenders offer a variety of down payment assistance programs that can make homeownership more accessible. These may include deferred loan payments or matched savings programs, where the lender provides money to match the borrower's own funds for a down payment.

You can use personal savings, proceeds from the sale of an old home, gift money and other sources to make a down payment. Most home loans rates require a down payment of at least 3%, but some loan programs have lower minimum requirements. Ask your lender about these options, and look for a piggyback loan program that combines an FHA or VA mortgage with a conventional loan to avoid the need for mortgage insurance. Chase, for example, offers down payment assistance through its DreaMaker home loan program that requires a down payment of just 3%.

[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!

Facebook : https://www.facebook.com/profile.php?id=100088847296083

Instagram : https://www.instagram.com/clearpacific/

LinkedIn : https://www.linkedin.com/company/goclearpacific/

Twitter : https://twitter.com/goclearpacific

Tiktok : https://www.tiktok.com/@goclearpacific

You Tube : https://www.youtube.com/channel/UCqTgBrtZmcu9LAg1OsuJbtw

[financing007]

A Loan Against Property (LAP) is a financial instrument where individuals can leverage the equity in their property, be it residential or commercial, to secure a loan. This concept is of paramount importance as it offers a versatile and cost-effective means of accessing substantial funds for various purposes, including business expansion, education, medical expenses, and debt consolidation.

[arkaloans]

HOME LOAN A Home Loan is a secured loan product where the lender provides finances for the purchase or construction of a residential/commercial property. One can also avail a housing loan to buy a plot of land and construct it. Home Loans are also issued to extend/ repair/ renovate/ alter a new or second-hand property. The Home Loan is taken by a borrower against the property/security to be bought. This is done by giving the banker a conditional ownership over the property i.e. if the borrower fails to pay back the loan, the banker can retrieve the loan money by selling the property.

[emirates-nbd]

Why choose Emirates NBD Home Loans?

Owning a home is expensive and may seem out of your reach. But there are many loan options in the market that can help you work towards your dream.

While there are many banks and financial institutions in the market offering home loans, Emirates NBD’s home loans are worth checking out. There are several different options to choose from and the bank offers easy processing and quick approvals for both built-up and off-plan properties, in Dubai as well as other emirates.

You can also take an Emirates NBD home loan for expatriates which allows you to buy a home in the UAE while residing in your home country. Just fill in this form and one of the Emirates NBD home loan experts will get in touch and tailor a loan plan for you with manageable EMIs.

Let us quickly dive into the requirements for a home loan:

Eligibility

The eligibility differs from lender to lender, simply being employed or having a source of income doesn’t make you automatically eligible for a home loan. Some of the general eligibility criteria include:

You must be a UAE national or a resident of UAE (unless applying to Emirates NBD for an expatriate home loan)

Minimum salary of AED 20,000 (may differ for different banks)

Aged between 21 – 65 years

If you are a self-employed individual, the minimum tenure of your business in the UAE must be at least 3 years.

Some lenders may also require your job notice period, credit score, company license (self-employed), character certificate, documents of dependent’s etc.

Documentation

The documentation you need to apply for a home loan may differ depending on the lender’s requirements and policies. Some of the general documents required are:

KYC documents (passport, emirates ID, Visa copy)

Employment documents (proof of employment, salary certificate, salary slips)

Credibility documents (credit score, bank statement from last 6 months, credit card statements)

Residence proof (DEWA bill, tenancy contract, proof of residence)

While these may be the general requirements, lenders often perform background checks as per their policies. Your credit score is a big factor that influences weather you can get a loan and how much you can borrow. Read this article to learn more about credit scores and how you can improve yours.

Let’s have a look at some repayment options for your home loan:

Partial settlement:

Banks often offer partial settlement, and this can help you settle your loan quicker and save on interest payments.

Learn more about partial settlement.

Early loan settlement:

Settling your home loan early has many advantages. It improves your credit score, reduces expense on interest leading to more savings, and since you will be debt-free you can invest your funds where they can grow. Know more about early loan settlement.

Restructure your loan:

If you are facing financial difficulties and finding it hard to pay your installments, you can restructure your loan together in consultation with your bank. Emirates NBD offers some great options to restructure your loan so that you can rest easy.

Loan transfer:

You can always shop around for better interest rates and terms and conditions. Transferring your loan to another bank is easy if you find a better bargain. If you chose to move your loan to Emirates NBD, for instance, the bank will offer you a better interest rate than your current one, and higher loan amounts. Read more about Emirates NBD home loans here. Over the years, the options for home loans have grown and it does not hurt to do your research before you sign on the dotted line.

[bijiths]

The Best Home Loan Calculators of 2022

Navigating the home loan process can be a daunting experience. With so many different loan options and interest rates, it’s no wonder that many people feel overwhelmed. Luckily, there are some great online home loan calculators available that can help make the process easier. Whether you’re a family looking for your first home, a couple considering a move, or a solo life ready to buy, these calculators can help you make the best decision for your future.

Introduction: Home loan calculators are an invaluable tool for anyone who is looking to buy a new home. These calculators allow you to quickly and easily compare different home loan options, calculate your interest rate, and even apply for a loan. In this article, we'll cover the best home loan calculators of 2022 and how to use them to make the most informed decision when buying a home. 

Types of Home Loans: There are many different types of home loans available, including fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans. Each type of loan has its own advantages and disadvantages, so it's important to understand the differences before you make a decision.

How to Calculate Your Home Loan Interest Rate: Home loan calculators can help you determine your interest rate by taking into account factors such as your credit score, the type of loan you're applying for, and the amount of money you're borrowing.

How to Compare Home Loans: Home loan calculators can also help you compare different loan options to determine which one is best for your needs. By entering your desired loan amount, loan term, and other information, you can quickly compare interest rates and monthly payments to find the best home loan for you.

How to Apply for a Home Loan: Applying for a home loan is a big decision, and home loan calculators can help you through the process. They can provide you with step-by-step instructions on how to apply for a loan, as well as give you an estimate of what your monthly payments will be.

c Home loan calculators are an invaluable resource for anyone who is looking to buy a new home. They can help you compare loan options, calculate your interest rate, and even apply for a loan. By using the best home loan calculators of 2022, you can make an informed decision when it comes to buying a home.

[thedivineart]

Confirmation Signs To Determine Your Future Spouse

ꕀ ׅ࣪ ꒰ ✮ ꒱ links : navigation. send love.

pacs. paid services.

one

wishing well, a fountain, throwing coin and wishing in fountain, unexpected meeting, receiving the most special gift from someone, a lost purse/wallet, climbing alone in mountain to reduce stress/ hangout, being alone without feeling lonely, a dog coming towards you, small home in forest, cross roads, being happy in other people relationship, going to building/institutions to fix legal documents, a friends to lovers trope, visioning your past life, a gallantry from someone, aiming financial achievement, lucky money wins, a nest eggs, flames, mutual feelings with someone, being flirt, co-worker, a new friend, ships, a little home/cottage, new house/places, moving to a new place, soulmate connection, meeting perfect person/ ideal lover, seeing lots of abiding love, wedding, wedding rings, hurt/painful feeling, hospital/doctor, unrequited love

⋆ feel free to ask question you didn't understand in this reading

‹𝟹 leave like or re-blog when you love it !

two

changing location whether it is for work or residency, when you heal from the past, starting a new, stork, a invitation for a event, gifts ( receive or give ), helpful advice from someone, receiving lots of good news, a clock/time, your hate and fear towards someone, a handshake, a journey ( travel ), birds, sharing ( partnership), food, restaurant/ fast-food places, notice of correspondence from important bills, writer/ journalist, financial loans/help, being at your lowest point such as feeling trapped/tired/staying at home/unhealthy situation, a friend betrayal, older than you, foreign, lawyer/authority, being attack, an enemy, invitation in weddings or engagements, church, cemetery, thinking negative/ having negative thoughts, a large body of water such as beaches, pools, fountains etc, night, cold weather/winter, locks, fishes, physical union with someone, a mending of broken friendship/ex love, party, clubs

⋆ feel free to ask questions you didn't understand in this reading

‹𝟹 leave like or re-blog when you love it !

three

younger, foreign / leader, bad girl & boy image/personality, unexpected kiss, feeling lonely, a new lover/person, family oriented, lady and moody, soulmates connection, unexpected friendship with someone, horse/sagittarius, a good news coming, an artist/poet, student of arts, athletic body or an athlete, lack of focus in commitment, receive or give gifts, fountains, generous, wears uniform that symbolize their position at work, a friend, co-worker, a peer, taking time to heal the wounds of the past, in park, in forest, walking around and meeting someone new, having time alone, wandering in woods, in the big trees, travel, achievement, lucky breaks, successful moving up ( at work or something), the space, distance, someone is far away, delay, receiving love letters and bouquet of flowers, country side, simple life, money surrounds them, professional person, workaholic and less focus on love, a bank; good at handling finances, provides good advice in finance, a happy family, fire/burning, summer, evening, warm weather country, good judgement, social

⋆ feel free to ask questions you didn't understand in this reading

‹𝟹 leave like 🙵 re-blog when you love it !

four

authority, can be foreign, arrogant, weddings, older, negative emotions, large body of water such as beaches, pool, fountains, lake, pond etc, night, cold weather/winter, a dog, a friend, a church, a purse, money, financially stable/ wealthy, office, jewelry box, a social butterfly, enjoy clubs and socializing, likes to be busy and active, wine, travel, trips via water, clouds, heavy rains, good partner, sensual, good at financial advice, an expensive wedding of a friend, children, financially secure, fixing cars, lily, workaholic, trying their best at difficult situation, lion, a Leo sign, quite, electric, jealous and possessive, like to give great advice, streets of gold

⋆ feel free to ask questions you didn't understand in this reading

‹𝟹 leave like 🙵 re-blog when you love it !

© thedivineart. do not plagiarize any of my work, translate or repost it on other social media platform.

[angellesword]

BAGGAGE | JJK (13)

Summary: Drowning in debt and blood, Jeon Jungkook knows he's better off alone, lest he brings people down with him.

But one drunken night changes everything.

In a blink of an eye, Jungkook found himself drowning not only in debt and blood, but also in dirty diapers and judgmental stares from you, a.k.a his long-lost love and the guardian of the son he didn't even know existed.

Genre and warnings: best friends to lovers, co-parenting, idiots in love, slow burn—really slow burn, mutual pining, angst, fluff, implied smut, kissing, minor character death, slight getting back together, cursing, blood, stabbing, loan sharks, OC cusses excessively so watch out, hurt/comfort

Pairing: dad! Jungkook x adoptive mom!Reader

Word Count: 5k

← Previous Chapter (12) | Next Chapter (14) →

Baggage Chapter List

*****

With no money in the bank or dignity to uphold his principles, Jungkook's response to a threat was always flight. He'd long understood that a peasant like him had no chance of fighting.  However, the possibility of you and Soobin getting hurt because of his cowardice sparked something inside him.

Jungkook didn't know how, but he resolutely grabbed Lee Sung's knife with his bare hand, ignoring his trembling hand and his mind telling him to run.

"Now, now, Lee Sung-ah ~" Jungkook's body twisted until he faced the loan shark. His demeanor showed how he stubbornly refused to bend in the face of intimidation. It made Lee Sung's lips curve upwards.

"Not crying for mercy, Jungkook-ah?" A mocking laugh. Lee Sung watched as fresh blood trickled down Jungkook's hand. Jungkook didn't let go of the knife and even gripped its blade more forcefully. "Did hanging out with the feisty professor make you feel invincible?"

The mention of you was enough for Jungkook to lose his playful smirk, bare his teeth at Lee Sung, and snarl. One would think he was a helpless prey (and Jungkook guessed there was some truth to that), but the case changed when his enemies dared to involve you. Besides, Lee Sung had met Jungkook when he had nothing with him. Lee Sung never knew how Jungkook's mind worked and how he dealt with things when no Park Jimin was keeping him in check.

"Easy there, Lee Sung-ah~" Mirth crinkled in Jungkook's eyes. "Our game is for us alone, remember?"

How could Lee Sung not read the real meaning in Jungkook's voice wrapped in an almost syrupy charm? It was a threat, but Lee Sung couldn't help but chuckle. 'Jang Min-ssi,' Lee Sung whispered inwardly as his eyes darted to Jang Min standing meters away from them. "I understand now why you want to involve the professor in this game.'

"I'm so glad you mentioned our little game." Lee Sung blinked his gaze back to Jungkook. He forcefully retracted the knife, leaving a nasty straight cut in Jungkook's palm. Jungkook's face became unreadable, though. He couldn't feel pain—he only felt his heart chastising him to fight for you and his son.

"Because we want you back in our chess game, Jungkook-ah." Lee Sung's smirk grew big. "Jang Min-ssi said he needs you to play the king again."

Jungkook's eyes darkened. Meanwhile, a dangerous smile tugged at Lee Sung's lips as he raised his hand in the air, a small vial gripping his fist.

⋆ ˚｡⋆⋆ ˚｡⋆

You got home at around midnight. You weren’t in the mood to do anything anymore, but the guilt you nursed was becoming too much to bear.

"Mama will help you change your clothes, oki?" You picked up a pajama set from your son's drawer and helped him dress up. You usually soaked Soobin into a warm bath before going to bed. Unfortunately, you weren’t up for it tonight.

'I'm a bad mom,' your mind supplied unhelpfully. You felt as though you didn't deserve Soobin. You thought you had slowly forgotten how to care for your son as Jungkook did it on your behalf. 

Months of playing house with your bastard of best friend lifted half of your burden, but now that Jungkook wasn't around, you were starting to feel helpless.

Just where is that bastard?

Your eyes flicked to the wall clock. This was the first time Jungkook was home late. He didn't even tell you where he was going; he left early in the morning and excused himself for today's office work.

There was no point in stopping Jungkook. Admittedly, you were tiptoeing around him as you didn't want to pressure him into accepting the offer to work with you.

Tonight was the night Jungkook was meant to give his answer. However, You supposed that even a meticulous person like you sometimes went through some lapses.

"You've got your dates mixed up, Mam."  Lee Sung told you earlier this day. You went ahead to the office even without Jungkook. You went there with your son, though. You hoped Lee Sung could babysit Soobin while you went to dinner with Jungkook later.

Although you had reservations about Lee Sung, you couldn't deny that he was still a good babysitter, and Soobin seemed to like him. Your son never fussed and would sleep calmly in Lee Sung's arms.

It had been weeks since Lee Sung landed in Korea, but you refused to contact him. It felt weird being around him while Jang Min was thousands of miles away. You were not one to overthink, though you suspected that your boyfriend's assistant kept you under a hawk-like gaze and was reluctant to follow your requests unless Jang Min explicitly told him to oblige.

Today was one of the times when Lee Sung had explicit orders from his boss.

"Your dinner date with Jungkook-ssi is tomorrow. You're scheduled to meet up with the boss tonight."

"What?" You rubbed your ear as if that would help you understand what Lee Sung had just said.

Your boyfriend's assistant smirked. "Surprise! Boss Jang Min is back in Korea! He wants to see you first. He said there was no need for me to babysit Soobin-ah. He is very much welcome to join your date."

You should be over the moon. Your boyfriend, who you hadn't seen in months, was finally here. Regrettably, your mind was occupied with something else.

"But Jungkook..." You trailed off. You were sure you set up your date tonight. You even made a calendar invite about it so you wouldn't forget.

You were about to check your calendar, but Lee Sung folded down your laptop--an abrupt move that almost pinched your hands lingering on the keypad.

"Oops. Apologies, Mam~." Lee Sung sing-songed. "I've personally checked your schedule for this week. I have synced your calendar into mine for so long. Do you still doubt me, hmm?"

The pitiful look made Lee Sung look like a clown.  You visibly cringed; the thought of your dinner date with Jungkook vanished because of it.

"Okay, fine." You scowled. "I'm bringing Soobin to my date. Where and when should I meet Min-ah?"

"Wanna pick him up at the airport first?"

For some reason, You really didn't. But how could you do that to your lover? Ultimately, you agreed and spent hours on the road and waiting at the airport. You thought your uneasiness would clear once you came face to face with Jang Min. Surprisingly, you were still plagued by jitters.

"Hi." Jang Min kissed you on the mouth. He whispered a few sweet nothings to you before turning to look at Soobin, "Little one, I've something for you."

It was a Hot Wheels Elite 1:18 Scale Ferrari F40. Your eyes twitched. You looked at your boyfriend uncomfortably, "This is expensive. You shouldn't have."

It was wrong to say that to someone who had just given your son a gift. You knew as much. You were about to retract your statement when Jang Min shrugged.

"It's a simple gift, Cолнышко мо. You shouldn't habitually give those discount-store wonders for Soobin. It’s disgusting."

You were taken aback, and despite Soobin not understanding what Jang Min meant, you still wanted to cover your son's ears so he couldn't hear such a mean statement.

"Price doesn't matter to me, Min-ah." Your jaw tensed, your chin jutting.

Jungkook had some free time a few days ago and arranged a scavenger hunt for Soobin. You found it cute, prompting you to take videos and tell Jang Min all about the activity.

You had to admit that it was a cheap game. Jungkook spent 6,600 KRW on rewards he planned to give Soobin during the hunt. His grand prize was the most affordable brand of strawberry pudding, but your son thoroughly enjoyed it.

The game was a success. It honed Soobin's observation skills and exposed him to more physical activities. You participated in the game, too. Jungkook encouraged you with a teasing tone by saying, "Of course, you are welcome to join! You have the temper of a three-year-old. Ow! Don't hit me, such a meanie!"

"Don’t call me that, you piece of shit!" You snarled and hit Jungkook when Soobin wasn't looking.

Jungkook pouted.

"But you are mean, and you snarl like a wolf. Wolf has a good sense of smell; you can teach our pup how to hunt."

It was a feat to ignore your fluttering heart after that. ‘Our pup,’ Jungkook said. You couldn't control your emotions, so you gingerly shut your mouth and faked a hiss before turning to Soobin to brief him on how to play the game.

Overall, it was a fun experience. You won a prize because Jungkook hid an I.D. lace you were meant to find in the bushes. It had a simple design which you loved.

You have been going to your office these past days. The new lace helped because now you wouldn’t struggle to clip your I.D. on your clothes.

"Your old I.D pin is tacky. The new lace will make you a little less uncool."

"Shut the fuck up, bastard," You hissed.

Your playful banter continued, and you appreciated simple moments like this. You made up your mind not to let a mean comment from Jang Min get on your nerves.

Thankfully, Jang Min shrugged his shoulders, too jet-lagged to argue with you. You pushed through with your dinner date, though.

It was in a fancy restaurant Lee Sung had arranged. Soobin set aside his new car toy in favor of running around the place. You were in a private room, so no prying eyes darted on Soobin.

Unfortunately, you couldn't hear what Jang Min was discussing because of how loud Soobin was.

Gone were the days he sat still. Even Jang Min noticed this.

"Why'd he become so hyper suddenly?"

Your shoulder deflated. "I don't know."

It was the truth. You refused to say that the change started when Jungkook started babysitting Soobin, but Jang Min knew about it anyway.

"He's having too much fun with Jungkook-ssi, I supposed." Jang Min propped his chin on his palm as he called Soobin.

The child went near Jang Min at once. He batted his eyelashes at your boyfriend, earning a soft smile from Jang Min.

"Sleep?" Soobin asked obediently while Jang Min caressed his cheeks.

"Later, little one. You can play. Just don't be naughty."

Your heart softened at the sight. Jang Min and your son really did get along. However, you couldn't ignore the uncomfortable feeling in your chest:

You appreciated your boyfriend bonding with Soobin, but that's all to it. You found that you couldn't feel anything for Jang Min aside from gratefulness for trusting and caring for you and Soobin all this time.

"Min-ah." You muttered softly.

Jang Min told Soobin to play with Lee Sung before he turned to look at you. Your eyes looked as deep as the sea. Jang Min wanted to sail through it.

"What is it, Cолнышко мо?" Jang Min held your hand.

Months passed since you last touched him. You used to feel warm whenever your boyfriend's touch lingered on your skin. But now, there was nothing but coldness.

Jang Min's hands were damn cold. You tried to remember if it had always been like this. You didn't flinch now that Jang Min grabbed your hand, giving you a sense of familiarity that the coldness you felt was nothing new.

It was as if this winter feeling had been going on forever, and you simply thought that the cold water was warm since you had just gotten inside your home after being out in the snow.

"Cолнышко мо?”

You snapped your head up and met Jang Min's eyes. They're not chestnut brown—it didn't feel warm.

He wasn't Jungkook.

"Jang Min-ssi," Your chest heaved. You called your boyfriend's name with ragged breath.

Silence lapsed between you. Jang Min's white ushanka froze your heart more.

"I think we should break up."

It was said so suddenly. You gave no preamble, the paradoxical undressing phenomenon kicking inside you. It was your last straw before your feelings for Jang Min succumbed to hypothermia.

There was just no fire left to ignite your heart.

But Jang Min still held a match.

"You've had a long day, Cолнышко мо." The Russian man let go of your hand to signal the server to mind your bill, and then he casually wiped his mouth with a towel before indulgently looking back at you.

It's like Jang Min didn't hear or mind what you said.

"Maybe we should talk about this tomorrow. I only got home, too." He even made an excuse to shoot you down.

"No." But you couldn't wait anymore. You knew you were cruel, but every layer of your clothes begged to be shed. You were seconds away from dying out of the cold. "We—I have been postponing every serious conversation with you. I—"

You licked your lips and swallowed audibly, yet it wasn't enough to relieve your dry and aching throat.

You picked up your glass of wine and drank it in one go.

You looked at Jang Min guiltily.

"I can't anymore, Jang Min. I just..."

No silence or sugarcoating would lessen the abrupt guilt coating your heart.

You ripped off your last layer of winter clothes.

"I don't think I love you like that anymore." Or if I love(d) you at all.

Breaking the news of wanting to end your relationship was sudden, but the moments leading to it were not. You guessed it was partly your fault for ignoring the negative emotions you had felt for Jang Min over the past few months. Now, it was too late to fix them.

You were done. You couldn't fight even when a fraction of your mind told you so. Because if you loved Jang Min like your other half, you wouldn't feel nauseated at the thought of mending your broken relationship.

It's over.

You wanted to say more—to apologize to Jang Min for wasting his time, but you knew there was no point to that. It would just feel like slapping Jang Min in the face. Giving an excuse would only make you feel better. Jang Min wouldn't benefit at all.

"Alright." What was the use of a small matchbox when winter had come? Jang Min could only offer you a small smile. Not even you, who had been intimate with him, could decipher the quick curve of his lips.

"It's late. We should head home."

Jang Min insisted on bringing you back to his house. You were reluctant but agreed since you were with Soobin and didn't like driving while your son remained in the back seat alone. Besides, all of your things were under Lee Sung's care.

Lee Sung handed you your phone and wallet right after you entered the car. “Your phone’s dead.”

You shrugged. You didn’t have any important calls today, anyway.

"Thanks. Lee Sung-ssi--" You then offered your ex-boyfriend's assistant a genuine smile. It was the first time you attempted to be genuine to Lee Sung. "--For everything, especially for looking after Soobin."

"You make it sound like this is our last meeting, Mam." Lee Sung chuckled, oblivious that his boss was a single man now. "I know you got used to me driving you around, but don't get too sentimental on me. Tachihara's driving you home tonight, but we'll see each other soon. I just need to deal with a rat."

You were only being polite with Lee Sung. Frankly speaking, you didn't care what his agendas were. The word rat also left a bad taste in your mouth as you were reminded of your previous conversation with Jang Min. You didn't want to be rude, though—as your ex's calculating eyes were watching you. Soobin was also nuzzled in Jang Min's arms.

"Use your best trap, then." This was your farewell before shutting the car door close. You dared to look at Jang Min just to see his expression; for some reason, Jang Min's upper lips curved more.

The nauseating feeling clogged your throat again. You and Jang Min were done, so there was no need to give him the benefit of the doubt.

But you couldn't—afraid of what you’d know. You just did what you were good at: you pretended the uncomfortable feeling flooding your heart wouldn't drown you.

⋆ ˚｡⋆⋆ ˚｡⋆

The rat was not caught in the trap because Jungkook freely trudged back to your apartment at one in the morning. He had dealt with Lee Sung, and only when he knew Lee Sung wouldn't harm his family did Jungkook decide to head home.

Jungkook was used to going back to a quiet home. Seeing Lee Sung tonight made him think he was back to his old life; this was why it shocked him to see you waiting for him.

"Welcome home, Kook." Your tone was lukewarm, masking all worries and guilt you harbored today because at least one thing was right:

Jungkook came back to you.

Sadly, Jungkook didn't seem too thrilled to see you. One look at your dropping eyes was enough for Jungkook to know you had an eventful night.

Jungkook sneered.

Jealousy was a little shit. Jungkook thought he was over it until he saw you smiling at him, acting like you didn't ditch him for the night.

Don't even get him started with your insincere concern. You had the most gentle smile when you welcomed Jungkook home, but it abruptly changed into an arched brow when you spotted the dried blood on Jungkook's skin.

"What happened to your hand?" You were alarmed, mindlessly crossing the distance between you two. Your rational thought disappeared as deep-seated fury and worry clouded your mind.

"Who hurt you?" You couldn't take it. The low grumble coming from your throat was akin to a wounded wolf.

Protect. You needed to protect Jungkook.

You seized your best friend’s wrist, chest tightening as an unbearable ache spread through your limbs.

There was a deep cut on Jungkook's palm, and God--you wanted nothing but to lick the wound and purr on Jungkook's neck. You knew you shouldn't feel this way. Breaking up with Jang Min wasn't an excuse to suddenly unleash your feelings for Jungkook.

But you were tired and pushed to your limits. Earlier, you wondered if you loved Jang Min at all. Now, the sinking feeling in your chest mocked and rejoiced as the thought of never getting over Jungkook overwhelmed your senses.

You found that the candle lighting your anger toward Jungkook was blown away—just as the darkness in your vision couldn't see and ignite the scorching type of love you once thought you felt toward Jang Min.

You heaved a deep breath.

Everything was too much and too little at once. Tears glistened in your eyes, but the lonely wolf inside of you was deprived of howling in the moon.

Jungkook pulled his hand away.

"What do you care if I got hurt?" His tone was scathing. Between the two of you, Jungkook held the burning lamp. He couldn't shake the image of you kissing another man, even though he knew it was irrational.

He hurt you first. But it didn't mean Jungkook turned into a fucking rock that wouldn't be shaken at seeing the love of his life get taken away.

Jungkook no longer felt human. Unfortunately, he still had his flesh and blood. His body tingled and felt like it was subjected to the fire after being in the frying pan for a long time. He was hurting, and masking his vulnerability didn't work anymore. Jungkook, in the face of the moon, finally bared his broken heart.

"Is that all you got? Pretending to care when you didn't even have the decency to tell me you're not coming to our planned dinner?"

A sharp edge to Jungkook's tone made your breathing hitch. The last time Jungkook acted this way was when you underestimated his venture with Oda. You never thought you’d see this side of Jungkook again. You got used to having the upper hand.

But you couldn't deny that you were in the wrong now.

"Fuck." You cussed, eyes widening as you struggled to keep your hands to yourself. You wanted to hold onto Jungkook, afraid that he'd bolt. "I—Jungkook, I didn't..."

Didn't what? Didn't know that Lee Sung messed up? That you blindly followed Jang Min’s assistant’s claim when you should have known better?

You felt stupid.

Jungkook was wearing the suit you bought for him. You could also tell that your best friend had blow-dried his hair earlier, as it had a more prominent curl at the end. Jungkook was probably nervous but sucked it up because you promised him a good time. You weren’t blind. You might not know what answer Jungkook would give, but you knew it took him much courage to be there.

Jungkook was never one to show up. He was a bolter, for fuck's sake. And the one time he didn't run away was also the time you made him wait in vain.

I'm sorry You liked to say. Unfortunately, the words were stuck in your throat.

Jungkook took in your expression. You looked constipated—as if acknowledging your mistake would be the end of the world.

Jungkook scoffed and shook his head.

"Whatever." He turned away. "You've always been like this, anyway."

That did the trick. You snapped out of your reverie. You looked at Jungkook as if he had offended your ancestors.

"What the fuck do you mean by that?"

But Jungkook wasn't looking at you anymore. He was walking toward his bedroom—as if he wanted nothing but to shut off the world.

You didn't think so. Jungkook had every right to pout, but he couldn't get away from accusing you of some bullshit. What did Jungkook mean you had always been like this!? Weren’t you the one who returned to Incheon after Jungkook and Jisoo stomped at your heart!?

"I'm talking to you, asshole!" You were about to forcefully grab the bastard's hand when Jungkook suddenly turned to you.

Your bodies bumped. You trembled when you felt Jungkook's hot, staggered breathing fanning your cheek.

Silence clouded the room, both your chests heaving.

The rim of Jungkook's eyes was red. He unconsciously nuzzled his nose against your cheek. You held back a flinch, your heart beating erratically against your ribcage.

Jungkook's heart wasn't doing any better. He wanted to claw it out and stomp it until it became a mess. This way, he wouldn’t feel anything anymore.

But that wasn't possible now, was it? Jungkook didn’t want his emotions to overwhelm him, but he didn’t think he could ever let go of the high he got from feeling the warmth of your skin.

You were addicting. It was easy to fall for you, making Jungkook think that what you two had was salvageable.

It wasn't. He made a mistake before, and you made a conscious decision to hurt Jungkook in return.

Jungkook took a step back. He could almost hear your silent protest. It made Jungkook want to pull his hair out.

You two really were fucked up. You both wanted to let go of each other, but neither wanted to unclench your fingers.

Jungkook sighed. He looked at you with resentment and defeat in his eyes.

"You never answered my letters."

Apologizing for your mistake was hard, but apologizing when you didn’t know what you did wrong was impossible.

"What letters?" Your mouth parted in confusion; a deep crease formed on your forehead. You had no idea what Jungkook was talking about.

Jungkook sniffed.

“Jungkook, what letters?” An unberable sense of panic shot through your body. It didn't help that your best friend looked hopeless.

Jungkook didn’t know where to start. All of this was fucked up. He just wanted to--

“I was in prison for years." –let it out. Jungkook broke the news to you as he took out a folded paper in the pocket of his dress shirt. “I sent you hundreds of letters from there, but you never responded.”

The paper was shoved into your chest. You panickily gripped it, scared Jungkook would snatch the paper. You had a feeling that this piece of paper contained the truth you had been craving all this time.

“I was going to accept your proposal, but I didn’t want to base our relationship on a lie.” Jungkook was doing well in trying to steady his voice. “I wanted to come clean to you. I wanted you to know that I paid half of my sins inside that shitty hole.”

You gasped lowly, too stunned to speak.

Jungkook had the urge to laugh because wasn’t it funny? He was just cradling his anger at you for making him wait in vain, but now he was forced to retreat again--to clip his claw and pretend it didn't hurt. How could he ever stand a chance against you when he was deemed as the evil one from the very start? As if making a mistake robbed him of feeling things—like he wasn’t allowed to start over again?

Jungkook didn’t know how to redeem himself anymore. He apologized to you for taking this long to tell him the truth.

“I…” You trailed off. You couldn’t meet Jungkook’s eyes. You were retreating, too.

Jungkook should have seen this coming--

“I..I need to process this.”

--and he had. 

You were forced to be fed with information. You had no chance to chew them, so now you choked. 

Jungkook clenched his jaw, forced to pacify himself to accept this. It’s okay, he told himself, because what else was he supposed to do aside from watching you crawl back to your room?

⋆ ˚｡⋆⋆ ˚｡⋆

Jungkook paced back and forth in the living room before standing before your bedroom door.

4:02AM. It had been hours since you last confronted each other. You said you needed to process the information slapped to your face, but you didn’t say how long.

Jungkook couldn’t help but probe. He knocked on your door once.

There was no answer from the other side of the room.

Inhale, Jungkook commanded himself before trying again.

This time, he used his voice: he called your name.

Jungkook had known you for years and understood that you wouldn’t be able to sleep after the intense stimulation you had experienced. He was proven right when he pressed his ear to the door and heard you stirring on the other side.

Jungkook's breath caught in his throat, a sudden intake of air filling his lungs, but he didn’t choke. 

He felt relieved. You were listening to him.

Jungkook couldn’t waste his chance. He set aside his feelings in the hope of making this right. 

You slowly sat on the floor while listening to your best friend speak. You were glad you couldn’t see Jungkook’s face, as that would prompt you to break down and cry.

“You said you need to process everything, but will you listen to me?”

Your lips were pursed, yet you rested your head on the door.

Jungkook let out a breath, “Being in prison should have been the first thing I told you, but I…”

There was silence. Jungkook forced himself to continue.

“I was scared. When you told me about Soobin, I didn’t know what to do with him. I…” 

Don’t say it. Don’t say it.

“I didn’t want him,” Jungkook said. 

Tears cascaded down your cheek, your fear materializing in the form of Jungkook’s soft tone but venomous words. You hated yourself for wanting to continue listening to him. Your treacherous mind was making you feel as if there was more to Jungkook’s story—that this wasn’t the time to snarl and hate him for feeling things.

“Soobin is my baggage, and he’s so, so heavy. He is a reminder of the things I have to carry with me wherever I go.”

Stop. Don’t say that to my child.

“But he isn’t like that anymore. Soobin is not a thing. He’s not a baggage. He’s my…”

Jungkook swallowed thickly as he puffed out his chest. “He’s my heart.” As he is yours. 

“I understand if you want me gone. I kept the truth from you. You are a mother. I know you wouldn’t want your son to be associated with an ex-convict like me.” Jungkook said this as if he was sure there was no room for any other opinion. Jungkook did not regard himself highly—or even as a human after he fell from grace. It didn’t even occur to him to keep his anger to you. He cared more about what you would feel after knowing the truth. His own feelings be damned.

“But…” Jungkook clenched his hands into determined fists. “Please know that I won’t leave. Not unless you told me to.”

Your head snapped up, but you soon wiped your tears and pressed your ears on the door, thinking you could hear Jungkook say that again. Did you get it right? Was Jungkook really telling you he wouldn’t leave?

“I made the mistake of hurting and pushing you away. I am still living with the consequences of that. I don’t mind. I can pay for it for as long as you want, but I refuse to want to die because of it.”

Jungkook had wished for nothing but death since he messed up his life. However, he was done with that part of him. He said Soobin was his heart, but that was a lie. You and Soobin served as his heart—his family kept him going:

You and Soobin pumped blood into Jungkook’s veins.

Wanting to die was easy. It was his wish, but… “From now on, I will live for you and Soobin.”

Jungkook rubbed his face against the door, hoping you could somehow feel his sincerity. He wished to see you and look at your eyes as deep as the sea. Jungkook wanted to drown in them.

“I will be here,” Jungkook repeated. “For as long as you will take me.”

There was no response from you, but Jungkook didn’t mind. He simply closed his eyes, wishing that when the sun rose, you would find it in yourself to take him back.

⋆ ˚｡⋆⋆ ˚｡⋆

A/N: the fourth pic in the book cover finally made sense. Please look forward to Jungkook's life in prison soon ~~

I don't know when the next chapter will come out since starting next week, I am officially joining a new team in the office. Your girl is a fixed asset accountant or somethin' haha. Please wish me luck <3

[winninghomeloans]

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[am-i-the-asshole-official]

WIBTA for calling out my friend's spending habits?

✈💸 to find later

I (NB 20s) have been struggling to find employment for a long time. I've been struggling a lot with money- I'm technically indebted to my bank due to an overdraft I dipped into during my last weeks of university while paying off surprise fees, and in the entire year since have been unsuccessful in paying it off for any meaningful length of time. The stress has been immense and I've been avoiding like the plague any kind of personal purchase or leisure activity that might cost me anything. It's a mindset that's been making me profoundly miserable and that I'll probably struggle to get out of for a long time.

However, in the past few weeks, I've managed to land what I can only describe as my dream job. It doesn't start for another couple months, and the pay won't be fantastic (it's an internship), but without a doubt it will change my life. Desperate to do something nice and give myself a break, members of my family agreed to lend me money via plane tickets to do a nice trip this summer and see my best friends abroad, my last big hurrah before entering the full-time workforce for the rest of my life (and being able to pay them back). And I've been really excited! I've been saving even harder than usual, scraping up cash and politely asking grandparents. It won't be easy to support myself in another country in my financial situation, I understand that, but I'm at a point where I think I can do it for a short time and not be a burden on the people who are hosting me.

However, the only issue comes with my friend (NB 20s). I've known them for years, we're extremely close, and we've been waiting for a chance to see each other again for most of that time not knowing if it would ever happen due to my financial situation, so this is the opportunity of a lifetime. They really want to host me, for at least 2 weeks, and do all these nice things together we've been planning. But in the past month or so they've all but drained hundreds of dollars from their bank account in art commissions and room decorations for themself, all of which they've been excitedly showing off to me and our other friends, all the while running out of money entirely. They can't pick up work from their (seasonal) job anymore, either, so there's no way for them to earn back the money now, and recently they've started having to push their commissions just to cover their student loan payment this month. In ordinary circumstances I wouldn't mind and would try and help them out, but I won't be in any financial position on the trip to cover their bills as well as my own (at least not regularly), and I feel like this would have been so preventable if they'd just... picked less wildly expensive things to buy as a treat, knowing the circumstances.

They've said they're also stressed and need to buy themselves nice things sometimes, which I totally agree with! I'm not that much of a party pooper, they are in a rough situation themself right now and the stuff they bought does make them genuinely happy. But it also sucks to watch them then have to struggle to pay for bills and necessities because of it, and I feel really selfish for thinking of it in the framework of our time together later as well. I've done my absolute best to be able to spend at least a few weeks having a great time with them not worrying and pinching pennies while taking care of myself, but now I'm worried we're just going to spend the trip with both of us stressed out of our minds and stuck at home struggling to pay for gas. I'm an anxious person, and the few times I've tried to bring up my worries in a more gentle way, they've vehemently reassured me everything will be fine, but now I'm leaving in just over a week and everything seems like it's getting worse instead of improving.

I know I should be just glad to spend time in their company, even if it is just at home, but I can't stop feeling like the way they've been spending money in the leadup to this has been really irresponsible and preventable. But even if so, it made them happy in the moment so i should be happy for them too, and surely it's just straight up none of my business? It's also not like they can take it back now- it's already happened, and they can't earn the money back if they wanted to. I feel like if i called them on it at this point it'd just be a dick move and come across pointless and jealous, but I also can't help but think it's unproductive to let this gnaw at me the entire time, like I should really be communicating this kind of upset and talk it out first in case it comes to a head and boils over and ruins our whole time together.

I'm aware I'll be long into the trip by the time this posts but it'd be nice to look back and see other perspectives.