Personal Loan

[shinta]

pag walang importanteng pagkakagastusan, di talaga advisable kumuha ng personal loan. pero if you really need the money, personal loan can be a lifesaver din. basta hangga't maaari, get the lowest add-on rate with the shortest payment term and always compute how much the total interest will be.

first personal loan ko nung with BDO at 0.88% pero 3 years kong binayaran kaya yung 50k ko, umabot ng 72k. almost 50% ang naging interest.

[mhadz25]

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?

ms anjelica sorry that u didnt make it sa chinatrust pareho din yan ng bpi yung cnsbing
you need to provide settlement is clearance for ur crtedit card kahit supplementary kapa

[anjelicabarte]

ms anjelica sorry that u didnt make it sa chinatrust pareho din yan ng bpi yung cnsbing
you need to provide settlement is clearance for ur crtedit card kahit supplementary kapa

It's okay sis... I'll try other banks nalang.

[ktsrt]

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.

hi sis! may i ask how long you got the approval?

[basha]

^ sis, mga 7-10 days after ko nagsubmit ng docs.

[ktsrt]

^ thanks sis. were you a bpi account holder na when you applied? or did you open an account when you got approved?

[basha]

^ i opened an account when i got approved.

[stunning_anne]

If you don't mind me asking sis. Is it your first time to have a personal loan? Wanna try din sana..

[basha]

^ yes sis, first time ko lang mag apply ng personal loan.

[stunning_anne]

ok thanks. i think di pa ako pwede kasi i need to stay yata in the same company for two years.

[knack]

hays guys ako nman halos 3 weeks na wala padin akong narerecieve na call from bpi para sa CI nila or kahit man lang sana sabihan ako kung rejected yung loan ko hays kaka frustrate nman ang bpi di man lang nila mainform if approve or not eh 7-10 days lang daw eh 13 days na ko naghihintay

[FliPPy_LaDdY]

i applied sa BDO Personal Loan, after two weeks, i inquired again for the status and found out na approved daw ako so i went to BDO right away to fill up an availment form, sabi 2-3 daYS lang matransfer na siya.. but after a week wala pa din so i inquired again, to may dismay conditionally approved pala ako pending to settle by BDO cc muna.. kweng kweng e di balewala din loan ko..

one more thing, di man lang nila sinabi na conditionally approved pala ako.. kundi ko pa pinahalukay sa kanila files ko di ko malalaman bakit wala pa natatransfer sa account ko.. tsk tsk

[red_one]

to may dismay conditionally approved pala ako pending to settle by BDO cc muna..

ang alam ko pag maganda credit history mo, madali ka nila i-aapprove for any loan. so if my issue ka with your CC then malamang pending nga mangyayari. you need to prove first that you are a good payer, para di sila madala

[FliPPy_LaDdY]

^hehe, maliit lang naman balance ko kaya keri naman, kaso sayang naman yung niloan ko if mapunta din sa pagpay ng balance. perstyam eh.. sorry naman.. lessons learned.. update muna cc pra buo makukuha ang loan.. hehe.. thanks sis!

[brattinella]

i'll try bdo & bpi

[brattinella]

BDO - super fast... and the interest is just 1.25%  got a call last friday (oct. 28) then my loan was approved nov. 2

[super bratinella]

you may also want to try in HSBC loan.

[Lei_Glee]

Flippy lady,
Nope BDO actually gives your BDO branch a copy of the list of people with their loan status,  lalo na pag preferred client ka nila ( where you do not file any application form, just an endorsement form) then your bank associate will actually call or inform you na approved or not ang loan mo.

Bratinella,
Correct BDO is super fast ina few days malalaman mo na na approved ka or not. Pero natataasan ako sa interest nila for loans.

Mga sis,
What if maaga na nafull pay mo na ang personal loan mo, okay lang yun sa BDO? May parang “discount” ka ba makukuha for settling it ahead of time?

Mga sis, tama si sis shinta, get the lowest interest and the shortest payment terms talaga! sobra-sobrang tama ito!

[brattinella]

^there's a pre-termination fee 

[Lei_Glee]

 bratinella,
ah okay sis may fee ka na naman hay..maaga mo na nga natapos nayari ka pa. grabe ang mga banko talaga walang lusot. what if unahan mo lang ipay pero di mo pa naman siya i-terminate? like kung may 1 year to pay ka na loan then bayaran mo ang good for 6 months lang..nagtira pa ng 6 months, pwede ba yun?