A private banker is really a good old trustworthy friend.

What makes a good leverage financier? One who can effectively control debts and do not allow the debts to control him...

Analyze your property investment properly before you invest. Remember that it is not just about the valuation that determines the price. The credit facility that you use to finance your investment plays a large part as well...

The price of your property is not the price at which you purchase it for, unless of course if you paid for it fully in cash...

The credit market is one of the factor that cause this financial slowdown. However one should not be impede from taking up a loan just because of this. Every coin has two sides. What you have seen is merely the bad side. The good side of it is, many wealthy individuals leveraged on loans and credit in order to make it big.

Remember, interest paid to banks only comes back to you in the form of a billing receipt. Nothing else...