Personal Loan

[red_one]

pansin ko lang, kapag my credit card ka na, and you have a good credit standing, naku eh super dami mong marerecieve na offer from different banks. they offer credit cards, personal loan or minsan car loan pa. naku dami ko na nareceive na credit card na never ko naman inaplayan. yung personal loan, dami ko text and call na narerecieve din, sasabihin sakin na ready na daw for release. at ang laki ng amount ha.
pero nung time na wala pa ako credit card and i really need money badly naku super decline nila ako.
pero ngaun, hanggat maari ayoko na kumuha ng personal loan. sayang kasi interest. grabe ang laking pera din mawawala sakin.

[mommym]

husband ko sa HSBC nag-personal (salary) loan. naka-tie-up kasi sa company nila at salary deduction din ang payments, bale 15th and 30th.

pinambayad namin sa utang and half went to... wait for it... HSBC din. sa credit card naman. 

ang laki kasi ng finance charges ng credit card compared sa interest ng personal loan, tapos mas mahaba ang re-payment term, so we thought it will be better to pay off the HSBC credit card. ang importante lang talaga is wag ng gamitin ever again pag nabayaran na... or ipa-cancel na totally.

[lhanny_07]

I applied personal loan sa bdo. They told me to wait for 2 weeks kahit mababa lang ni-loan ko. Well I completed all the docs and ok naman cc standing ko sa ibang bank. I hope to get it before end of May. I also want to try chinatrust or sterling bank loan. I want to ask lang, for those who experienced to have a loan on those banks, how long it will take ba talaga kahit wala pang 50K loan apply nyo?

Saan kaya pinakamadali mag-loan, or kahit secure personal loans kaya, like yung 95% ng deposit mo sa bank yung ipapa-loan nila. Any ideas?

[lhanny_07]

nung ng-loan ako sa BDO, walk-in lang ako sa nearest branch samin, submit an application form and the requirements. then wait lang me ng mga 2 weeks, then i recieved a call or text yata from BDO na approve daw yung loan ko. kaya punta me sa branch for follow-up.then yun na.

sis do you have account with bdo?galing naman!!it seems so madali sa experience mo...hope to get mine too in two weeks time..

[katniss]

any feedback on Sterling Bank of Asia Women's Personal Loan.

Im contemplating if I should apply for this one. I actually filled out my application form already. Hindi ba masyado mataas yung interest?

Kasi I computed, if ill loan 100k and pay it for 18 months, lalabas na 125000 lahat-lahat babayaran ko. parang 25 percent nung inutang ko.

Anyway, wala ba sila hidden charges?

[hedonista]

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

inaquire na sya ng BDO, google kasi hinanap ko. San branch meron sa Makati? Gusto itry mag apply sa GE money...

Salamat sa help sis. Manganganak kasi ako. wala pa ko funds.

[katniss]

We have already submitted our requirements for Sterling Bank of Asia personal loan. Our ITR is not 2316 bec. we are project based, contractual researchers. The treatment for us in SSS, Philhealth and Pag-ibig always fall under the self-employed category. We are like professionals (doctors, attorneys, cpa)

Nakakalungkot lang na di raw maproprocess yung loan dahil ang required na ITR is 2316. Can anybody suggest kung ano dapat gawin? Kasi ang classification lang nila eh Employed at With Business. Pag under naman ng with Business kami, wala naman kaming Certificate of Registration from DTI or SEC.

Or kung meron sana pwedeng magsuggest sa inyo ng bank na pwedeng maloanan na hindi mahigpit sa ITR.

I badly need the money kasi for my mom's business. :/

[lhanny_07]

try mu sis sa citibank. sis let me know where ka nag-apply ng personal loan sa sterling bank, thru agent ba or mismong sa office nila?

[katniss]

try mu sis sa citibank. sis let me know where ka nag-apply ng personal loan sa sterling bank, thru agent ba or mismong sa office nila?

agent yung kausap namin. di ko na tinuloy at pinilit.

anyway, nakakuha na ko ng maloloanan na di mahigpit sa ITR. thank God!

[lhanny_07]

^ just availed the W Loan sa Sterling (= medyo mababa nga lang but okay na din... short amortization and good customer service

how long was the process sa W loan ng sterling sis? I want to apply for it kasi.

[super bratinella]

inaquire na sya ng BDO, google kasi hinanap ko. San branch meron sa Makati? Gusto itry mag apply sa GE money...

Salamat sa help sis. Manganganak kasi ako. wala pa ko funds.

Sis, wala na ang GE money bank, nabuy out na sila ng BDO so dun ka na magloan sa BDO.. last 2008 pa kasi ang loan ko sa GE.

[lhanny_07]

Mga sis, is it true if you loan in sterling bank particulary the W-Woman Loan, they will have a home visit pa ba? Kahit 40K lang ni-loan mo. Medyo hassle naman! any feedback!! thanks

[red_one]

hi sis lhanny, ngayon lang uli me nagawi sa thread na to, my ask ka pala sakin censya na po.
sis wala me account sa bdo. pero na-approve loan ko.
feeling ko sa bdo na yung pinaka-mabilis ang processing compare sa iba banks na inaabot ng 1 month bago ma-approve.
na-try ko na rin mag-apply ng loan sa sterling bank, yes may home visit sila. pero di ko alam bakit di ako na-approve.

[lhanny_07]

thanks sis red one!!

[purple_evie]

Sana po may mag post ng pinaka- recent na-approved sa Personal Loan. Yung pinaka mabilis po. Kailangan ko na kasi mah-loan, kailangan namin ng back -up na pera ng h2b, ko kasi magpapakasal kami problem, tight nga, at sobra nga tipid, parang kulang pa rin. Please help naman po.

[hannie1216]

Di ako na approve sa sterling bank. wala pa kasi kami 2 years sa present house namin

apply na lang sa iba

[hedonista]

wag kayo magloloan sa puregold finance inc. bastos ang mga collector dun sobrrraaa

Yes. Nagsisisi ako at nagloan ako sa kanila. Ambastos nga sis.

I tried Planters Bank. pero denied ako. Discriminated ata talaga ang mga taga BPO kahit 5 years na ko sa company namin

[super bratinella]

Nag loan din ako sa Puregold way back 2008, settled na ako then my friend reloan tapos ako ang co maker then ang nangyari ako ang hinarass ng collections department nila telling me to be ready of the staffa case filed against me and my friend sa Manila City hall then my friend is a Law graduated at updated siya sa payment niya it is just hindi updated ang records ng payment nila so my friend told them na sila ang pwede sampahan ng kaso with the harrasment they did at ang tatay ng anak ng friend ko happens to be a lawyer so nanahimik si Puregold.

[super bratinella]

My hubby ex-colleague happens to a be a bank manager now, and he called my hubby asking if he is interested to apply for a loan with 1.28% interest rate, when he told me the story I asked what bank and hubby was not able to ask..hehe

[acqua]

Sana po may mag post ng pinaka- recent na-approved sa Personal Loan. Yung pinaka mabilis po. Kailangan ko na kasi mah-loan, kailangan namin ng back -up na pera ng h2b, ko kasi magpapakasal kami problem, tight nga, at sobra nga tipid, parang kulang pa rin. Please help naman po.

sa akin BDO, two weeks lang na-approve sya, pero hindi yung desired amount ko. Ambisyosa ako eh lol. Pero okay na din at least mabilis processing. Now, delayed na ako ng two months sa kanila since bed rest ako at wala akong work. Ayun, they're calling me, mabait naman sila, hindi talaga bastos, pero mejo matwag lang, which of course is normal.