Real diamonds are expensive so if you are being offered a deal that seems too good to be true, get your guard up and be wary. Learn how to scrutinize real diamonds in order

to save yourself from losing money to scrupulous people. Especially when you had to apply for government bond loans for diamonds, be sure to know what to look for.

Get the real deal and spend your housing commission bond loans right.

Housing commission bond loans will surely help you afford diamond jewelries. But most of the work must be done by you, especially that part when you have to identify

the real ones from fakes. Here are some tips to help you with that task:

Learn the background of the stone. A knowledgeable dealer should be able to tell you facts about the diamond. Ask for certificates on the authenticity of the stone. It is a red flag when he cannot provide these. You may also bring along an appraiser with you.

Check out the material it is mounted on. Real diamonds are set in real silver or gold. But for fake stones, they are simply mounted on cheap quality metals. Ask whether the metal is silver or gold plated. When the metal is substandard despite the dealer claiming the

stone to be genuine, you might want to walk away.

Check out the diamond for scratches and marks. A real diamond is durable and will not sustain any forms of blemishes. If there are scratches and marks on the stone

then it is a fake. However, real diamonds are not perfect as well. You will need to see through a loupe to spot that a real diamond may have imperfections within.

A spotless stone inside out is a fake.

Read through it. Place the stone on a newspaper and try to read through it. If you can read the newsprint beneath then you have a fake. A real diamond refracts light

making it impossible to make out any images that comes through it.

The fog test. Place the diamond near your mouth and exhale on it. When the fog takes two seconds to disperse then it is fake. A real diamond disperses heat instantaneously

that you won’t even have time to observe the fog clearing up.

Use your government bond loans to buy real diamonds. Follow the tips above and you won’t have to waste those housing commission bond loans.

Get these loans from your trusted lender and enjoy genuine diamond jewelry.