Personal Loan

[lilstar]

Sakin i applied for HSBC personal loan. Yung red envelope together with your credit card bill. Ayun i took advantage of the loan since pre approved naman daw. ayun 1 week lang napick up ko na sa HSBC Ayala ave. Mabilis lang at mababa lang interest. 36k un payable in 18 months 2,440 lang / month.

[shinta]

for me, ok yung mga personal loan na offered by credit cards kasi pre-approved na, no hassle at mababa interest rate.

I recently got offers from citibank at 0.66% and standard chartered at 0.99%. Mas pinili ko yung sa standard kasi mas malaki approved amount at mas maikli terms. Pinadeposit ko sa bdo account ko and 3 days lang, andun na.

[red_one]

mabilis mag-approve ng loan ang standard chartered kaso feeling ko ang taas ng interest rate nila. i had personal loan with them before amounting 45k payable in 24 months, monthly ko was 2642.00

ang kulit nga eh, di pa ako tapos magbayad sa kanila inooferan na naman ako. ehhh...ayoko na.

[shinta]

^medyo mataas nga monthly interest rate na binigay nila sayo, sis. mukhang lampas 1.5%

i read in an email from citibank, may offer sila ngayon 0.49% monthly add-on rate lang. depende ata sa credit limit kung magkano yung loanable amount. but 0.49% is really low na, nakakatempt tuloy patulan.

[red_one]

oo nga eh super taas.

[purple_evie]

Sa Chinatrust kasi..grabe ang interest..

[anjelicabarte]

Hi mga sis!
 
Question lang po, san ba mas mabilis na processing sa loan, yung online application o yung sa branch ka mismo?

Eto pa, mas ok ba if ikaw nalang mag-aaply or through an agent/agency?

TIA sa mga reply!

[red_one]

Hi mga sis!
 
Question lang po, san ba mas mabilis na processing sa loan, yung online application o yung sa branch ka mismo?

Eto pa, mas ok ba if ikaw nalang mag-aaply or through an agent/agency?

TIA sa mga reply!

para sa sakin, I think it does'nt matter if online or sa branch ka mag-apply, ang alam ko depende sa bank yun eh. based on my experience ha. kasi merong bank na inaabot ng 1 month yung processing, merong bank na 2 weeks lang. kahit online or not ang application.

opinion ko lang din sis, about dun sa agent, ang advantage lang sa tingin ko pag my agent eh ipu-push talaga ng agent na ma-approve yung loan mo, kasi pag na-approve yun, my commission sila. unlike pag wala ka agent, it's like wala ka backer para ma-push na ma-approve yung loan mo.
like for example if my kulang sa docs na sinubmit mo, pag nakita yun ng agent, mabilis ka inform ng agent na isupply mo yung kulang para ma-approve ka. pero pag wala ka agent, walang magsasabi sayo ng ganun, so pagdating sa CI at my nakita na kulang eh di decline agad.

[anjelicabarte]

Ay maganda yan sis. [textspeak!] text kita later!

[midnite_sun]

I'm planning na mag personal loan to pay-off my CC debt and then mag-request para ipa-cut na. Iniisip ko kasi better if personal loan na lang kunin ko at least fixed na yung monthly amount na babayaran ko for it. Problem lang kasi bad credit na ako since hindi ako nakaka-bayad ng buo for my CC. Any suggestions kung saan na bank pwede?
Thanks!

[red_one]

try to contact sis mhadz25 baka matulungan ka nya

[ktsrt]

^medyo mataas nga monthly interest rate na binigay nila sayo, sis. mukhang lampas 1.5%

i read in an email from citibank, may offer sila ngayon 0.49% monthly add-on rate lang. depende ata sa credit limit kung magkano yung loanable amount. but 0.49% is really low na, nakakatempt tuloy patulan.

hi! just want to ask if the citibank is a special rate for you or is it open to all account holders? i have a citibank cc that i want to pay off na, so i'm thinking of applyig for a personal loan to pay it off coz lower interest lumalabas

[shinta]

^not sure if open to all citibank cc holders sis. natanggap ko lang sa email ko. di ko naman tinawagan kasi binabalak ko ding ipa-cut na yung cc ko.

try mo call 423-3000 and ask for citi cash solutions. valid until August 31, 2011 lang yung 0.49% add-on rate according sa email.

[blackgreen]

^^chinatrust sis. last year nakapagloan ako sa kanila kahit may bad credit history na ako

[basha]

mga sisses, try nyo sa BPI, i got approved today sa personal loan na inapply ko last August 5. 1.20% ang interest per month, mas mababa compared sa ibang banks.

[blackgreen]

Kaka-claim ko lang nung loan ko from Sterling Bank. Personal loan yun inapply ko pero dahil wala ako PDC, na-convert into women's loan. Sa sterling na ako nagopen ng checking account. Mabilis lang yun processing, august 5 pinasa nung agent tapos august 8 may tumawag na sa akin tsaka sa bahay.

[midnite_sun]

mga sisses, try nyo sa BPI, i got approved today sa personal loan na inapply ko last August 5. 1.20% ang interest per month, mas mababa compared sa ibang banks.

I'm planning to get a loan from them too! Sana ma-approve din like you.

[basha]

goodluck sis! kung maganda ang credit record mo most likely maaapprove ka din

[jmeangeL]

ever since i read this blog, naging averse na ako sa personal loan... ayoko na kumuha

http://www.investorjuan.com/2011/06/back-to-basics-simple-vs-compound.html

http://www.investorjuan.com/2011/05/add-on-interest-dont-let-numbers.html

balak ko kasing itransfer ang credit card balance ko from bank A to bank B.  0.59% lang kasi kay bank B.  pero ng icompute ko using the 2nd link, pareho lang pala babayaran ko, mas matagal pa kay bank B.

nakaka-engganyo sa office iyong .88% add on interest personal loan ni HSBC, pero pass na lang

 

[anjelicabarte]

I applied narin sa BPI and na CI narin ako. But I received a text today na they need more info pa daw and kindly fax to them the copy of Settlement of Account. Ano yun? Does it mean mag-oopen ako ng account sa kanila and submit the proof?