Personal Loan

[super bratinella]

Hirap ang approval sa BDO for loans or credit card application.

[chaucer19]

Standared Chartered site said their interest rates is as low as 1.38% per month, posible ba itong tumaas o fixed na yung babayaran mo [for good payer]

GE Moeny Bank had an Interest rate of 1.49% to 1.59% add-on per month

[diwata]

superbratinella ~ Really? Sa pagkakaalam ko, mabilis lang pero mababa ang limit na binibigay na credit limit. Kasi iyong sa akin, wala pa akong 6 mos na nagwowork sa call center noong nag-apply ako, inapprove na agad. 15K iyong limit. It was my first job.

[super bratinella]

^Good for you sis, sa akin kasi no feedback. But I have my first credit card sa HSBC.

[diwata]

^ Yeah. Good choice of credit card. Maganda perks and incentives nila. I have my payroll account with them. In fact, I'm planning to apply for a credit card with them soon

[amihan07]

Mga sisses, question lang. How does this work ba? Let's say na-approve ka na for a loan on March 15, kailan mo babayaran yung first monthly amortization mo? 

[diwata]

^ You have to check the documents you signed. Nakalagay doon dapat tuwing kailan ka magbabayad.

[amihan07]

^ Sis, wala pa akong sina-sign-nan. Hindi rin ako nag-apply (ever). Curious lang me kung kailan start ng pagbayad ng monthly amortization sa mga naka-experience na. 

[nainaj]

i'm also looking kung saan pwede mag loan. back up fund namin for the wedding in case kapusin sa budget (mga unexpected expenses)...
yun sanang di pdc ang mode of payment saka ok lang sa kanila ang may cc bad record 

[super bratinella]

Sis, I would recommend GE money. Mabilis approval at release ng loan, for me maliit lang ang interest.

[diwata]

^ Sis, wala pa akong sina-sign-nan. Hindi rin ako nag-apply (ever). Curious lang me kung kailan start ng pagbayad ng monthly amortization sa mga naka-experience na. 

Aaah... Okies. Sa akin I started paying a month later pa

[diwata]

i'm also looking kung saan pwede mag loan. back up fund namin for the wedding in case kapusin sa budget (mga unexpected expenses)...
yun sanang di pdc ang mode of payment saka ok lang sa kanila ang may cc bad record 

Hindi pa ako nakakarinign ng personal loan with a financial institution na hindi pdc. Guarantee kasi nila iyon na puwede ka nila habulin kapag hindi ka nagbayad, you know, estafa. Unless magloan ka sa kamag-anak, 5-6, etc. Try mo salary loan with your employer kung employee ka.

[super bratinella]

I had a loan with GE and Chinatrust before, I do not have check, so what they did is deduct like 175php from your loan amount then, they will open a check for you. Sa GE parang you need to open an account with them para deposit mo na lang.

[diwata]

^ Yup, the only loan I had was with Chinatrust and ganoon nga ginawa nila. I don't have any checking account. What they did was they opened a checking account for me. They asked me to sign PDC checks for 24 months worth. 24 months ko kasi babayaran iyong loan. Then the checking account closes after that.

[nainaj]

actually, yun nga kasi i don't have checking account. pero if they will help me facilitate to have one,ok lang din. will try to inquire with ge money.

[amihan07]

Aaah... Okies. Sa akin I started paying a month later pa

Ah, ok. Ganun pala talaga yun. Iniisip ko baka may mga 2 or 3 months after pa 'e'. Hehe.. Thanks sistah! 

[super bratinella]

I have a friend who I refer to loan in GE kaso advised daw sa kanya is go to BDO dahil associated na sila sa BDO? It is not how it worked when I applied for a loan before. Hirap pa naman mag loan sa BDO.

[freeswan]

^ ganun din sabi ng colleague ko. nabili na pala ng bdo ang ge.

[acqua]

According to an agent from BDO whom I spoke to about credit cards and loans, naka-hold sila ngayon. Kaya siguro denied yung iba kahit good credit history. My friend is a gold card user sa Citibank, HSBC and I forgot her other card pero 2 months na wala sya walang feedback sa application nya sa BDO pumunta sya sa branch and she was told na approved naman daw sya pero wala pa daw yung card. Tatawagan na lang daw sya.

Anyway, I'm applying for a loan din, first time ko to. Hopefully, ma-approve. Sigh. HSBC is my choice. 

[lilstar]

If you don't mind mga sis, how much ang pinakamataas na nai-personal loan nyo? Meron po ba dito na naka 100k for a personal loan lang?

Kasi sa mga ads nakikita ko upto 500k daw ang loanable amount na offered nila, but i wonder kung may naapprove sa ganun kataas na loan or kahit 100k lang. Kasi if lower than that amount, madali lang ipunin, sayang ang interest.
 Please share po. Thanks..