Personal Loan

[phurple0515]

i am also looking for a personal loan. mahirap nga lang kasi usually di allowed pag OFW with fixed income.  e BDO lang ata ang me ganon.  still checking out and this is just to compensate with the approved housing loan ko sa pagibig. sayang naman kasi pag di ko kinuha.

[amethyst028]

how about student loan. madali ba kumuha ng loan for this? if you want to take up masters abroad
possible ba yun? pdc payments.

[huggykaye]

declined ako..  psbank,chinatrust,citibank..last nalang sterling, [textspeak!] pang feedback..

try mo sis sa PBCom... madali sila mag approve, nakita nila yung BDO CC ko dati, pero fully paid naman na din yun, inapprove pa din nila ako...

[michipoo]

i want to apply for personal loan sana kaso 9 mos palang ako sa company ko and i dont have cc pa..

[loveofmylife10]

mabilis ba talaga and madali maaproved??

Na try mo na sis mag apply sa Security bank ?  So Saan kana nakapag loan? Ako din kasi plan mag loan kaso bad records din ako sa mga banks dahil sa CC ko

[evokezion]

Good morning! Hello just wanted to ask kung me alam ba kayo na personal loan na payable into 5yrs? I need to borrow P400k sana to pay all my debts.. Parang consolidated na lang so iisa na lang ang tinitingnan ko to pay.. Thank you so much in advance

[happybee$$$]

Sis you might wanna check BDO may offer yung manager kay hubby na 7% annual int 500k personal loan but I think its just a promo til Jan 2015. Its not even on their website, ask the nearest BDO branch na lang for more info.

[evokezion]

My bad sis happybee$$$.. Pag loan ng P400k and I choose the 36 months add-on rates is 1.99% per month.. Total payables including interest nasa P630,432

[Queen Chokolah]

ako nga sis 80k loan sa EW for 36 months ang total ng babayaran ko is around 135k. 55k ang interest. way more than half. 80k pa lang yan ha. Sobrang taas ng interest rates pero at that time kasi wala akong choice kelangan ko ng cash ASAP. At EW lang ang nag approve sakin kahit wala pa kong 1 year sa company nun and wala akong credit record (wala pa credit cards at that time). I'm planning to pre terminate the loan siguro after a year or earlier. Pero ang sakit. Kasi diminishing ang interest. So lumalabas na sa 3800 na monthly ko on the first few months 1k+ lang ang nababawas sa principal. 2k+ sa interest mapupunta. So kahit naka 12 months nako ng 3800 lalabas na 20k lang mababawas sa principal ko. I didn't know this before kaya nanlumo talaga ko nung nakita ko yung breakdown na ibibigay lang nila pag take out na ng loan. Kase prior to that, nagtanong na ko dun sa agent kung pano ba ang computation ng interest at principal per month. Of course hinidi nya alam. Hayy. pikit mata ko na lang tinanggap. Kelangan eh. Haha. Lesson learned.

[happybee$$$]

evokezion my pleasure sis. ganyan talaga kalaki interest ng personal loan because its non-collateral. By the way, our branch is in Cash and Carry so I really don't know kung ganun din sa ibang branch.

[projectgora]

Hello mga sis! I am really uncertain what I will choose:
Housing Loan for Home Improvement (either through Pag-ibig or bank) or Personal Loan through Bank.
Yung house kasi namin around 90 sq.m lang. Hahatiin namin sya, bali 30-40 sq.m yung ieelevate at lalagyan ng second floor. Prone to flood kasi lugar namin. Yung kalahati papa rentahan namin. Bali yung may second floor lang talaga ang gagawin.

Basically 100K lang ang meron ako ngayon. 200K ang desired loan amount ko payabale for 3-5 years. Hindi naman kalakihan yung loan so medyo hesitant ako na mag pag-ibig. Kung personal loan naman, malaki interest pero madali ang process. I hope you guys can give feedback. Salamat ng marami!

[mommycute46]

^May CC ka sis? That can accommodate that 100k of course. If yes, then you can buy materials from hardware that offers installment purchases. Your 100k can be used for other things that you can't buy from the hardware. The thing is, pwede kang maka zero interest if you use your CC instead of loaning.

[twenty5]

Mga sis sa sinasabe nyo na personal loan sa bank.. Like, BDO kelangan ba bago ka mag ask or mag inquire sa bank loan needed ba or must have an account with that specified bank before getting a chance na iaaccomodate ka nila? Thanks

[lovelygurl0229]

Hello mga sis! I am really uncertain what I will choose:
Housing Loan for Home Improvement (either through Pag-ibig or bank) or Personal Loan through Bank.
Yung house kasi namin around 90 sq.m lang. Hahatiin namin sya, bali 30-40 sq.m yung ieelevate at lalagyan ng second floor. Prone to flood kasi lugar namin. Yung kalahati papa rentahan namin. Bali yung may second floor lang talaga ang gagawin.

Basically 100K lang ang meron ako ngayon. 200K ang desired loan amount ko payabale for 3-5 years. Hindi naman kalakihan yung loan so medyo hesitant ako na mag pag-ibig. Kung personal loan naman, malaki interest pero madali ang process. I hope you guys can give feedback. Salamat ng marami!

Hi Sis thank God I found this thread, same scenario tayo were thinking kung Bank Loan / PAG-Ibig Home Development kaso dami kasi hinihingi requirements sa PAG-Ibig..so leaning towards kame mag Bank Loan..were planning to rennovate our House ipapa2nd Floor namen..I am currenty using Eastwest CC mag One Year na this April so were thinking na dito mag Loan pero when we check parang ang taas ng interest 1.66% for 36 months..i read to this thread si BDO 0.99% lang..mejo worried lang ako kasi diba may mga hidden charges pa to?Sang Bank ba talaga mababa ang interest?plan sana namen magloan 200k for 36 months can you enlighten me mga Sis regarding to this matter. Thanks in advance sa sasagot

[michipoo]

Mga sis question naman, i am planning to apply for personal loan mga 70k iloloan ko, 1 year palang tenureship ko sa company and this is my first job. I dont have cc yet. malabo kaya na maapprove loan ko?

[blue fairy]

Hi.  im sorry but I am sort of desperate and di ko sure san ko ipopost tong concern ko.  I need a lawyer.  meron bang lawyers sa group?

This is regarding a loan.  I have a friend kasi na lending ang business nila ng bf nya.  i went for it kasi need ko.  my friend ako (officemate) na need din so, nanghiram din sya.  since she's an HR assistant maraming nagtatanong sa kanya kung san or kanino pede manghiram ng pera and nirerefer nya sa friend ko.  So, to make the story short, dumami din ang nanghihiram and sobrang tiwala naman ako sa kanya since connected sya sa HR, alam nya kung sinu-sino and regular at di pa nagreresign na employees.  Yung friend ko kasi malaki magbigay ng pera kahit upto 50k pero malaki din kasi ang tubo, 8%.

Nung una ok, nasa kin ang mga ATMs ng mga nanghihram and nakakapagdeposit ako ng payment sa friend ko. but nung December 2014, nagsimula ang problema ko kasi wala na akong mawithdraw sa most of the ATMs na nasa kin.   Worst, naghiwalay ang friend ko and her BF who owns the money.  Umabot ng 200k+ ang dapat namin isettle at the time. I trusted my officemate friend so much na niloloko na pala nya ko without my knowing.  nagsipagresign na pala yung  ibang humiram ng pera kaya wala na laman ang atm at yung sa iba, ginamit lang nya ang name at sya pala ang kumuha at gumastos ng pera.

Now, I'm being harrassed and threatened by the LoanShark ex-BF ng friend ko.   Currently, close to 300k na ang due kasi ang nababayaran ko lang yung personal kong loan at yung natitirang 2 ATMs sa kin na may laman.  Every 7days pa na lumilipas, nagpepenalty ako ng 5% of the outstanding balance kaya halos yung naidedeposit ko every payday eh napupunta lang sa 5% na penalty.

I hope somebody can help me.  Ilang beses na nya ko sinabihan na idedemanda nya ko, na pupuntahan nya ko sa office para magdala ng subpoena, and pinilipit nya kong mag issue ng check para daw guarantee na di ko sya tatakbuhan.  Kine-claim nya na lawyer daw sya at alam nya ang pasikut-sikot ng lending pero nagtry na ko magsearch at di ko nakita ang name nya sa list of lawyers in the philippines.

Pede ba nya ko idemanda kahit nakakabayad naman ako kahit papano every payday? at ano ang pede kong gawin dun sa mga taong gumastos talaga nung perang hiniram namin?

please help.  thanks so much

[projectgora]

My personal loan with BPI was approved! Last week Wednesday I went to their San mateo branch (I live in San Mateo, Rizal) and submitted a loan form and 2014 ITR. They were asking for my COE and 3 mos. payslip but unfortunately I didn't have one with me. The branch rep said they will submit my ITR to the head office and see if that would suffice. Sat morning I received a text from them that my loan was approved. And today a rep called to inform me as well. They approved 70K payable in 12 months. My monthly amortization is 6,673 php. Total interest in 12 mos. would be around 10K. Interest was quite high but that's good enough for me since it is non-collateral. I'm really happy with their fast turn-around.

[BAISANAN]

ok lang ba mag loan sa sa ibang bank lets say sa bpi may account ako pero bdo ako magapply ng loan.?
at need ba talaga i disclose na merong savings account sa ibang bank?plan to try for the first time.

[samtorini]

^In my case sis, I havce a BPI savings account pero may outstanding personal loan ako sa Citibank I have to issue PDCs nga lang

[Shean06]

Hello mga sis.. First time ko if ever mag loan at target bank ko eh BDO sana. Is there anyone here na naka experience na mag personal loan sa BDO kahit walang savings account sa kanila tsaka wala pang credit card account history? both kasi wala ako. Pwede kaya yun? TIA