Personal Loan

[riandrew]

masakit pala sa puso ang interest ng personal loan. mag iipon nalang muna ko para kahit pano bumaba ang loan amount at interest.

 

[huggykaye]

@blue fairy - kamusta sis ano na nangyari sa loan mo? im sorry to hear about your situation... marami talagang halang ang kaluluwa sa mundo lalo na pagdating sa pera... im not a lawyer ha. pero ang tanong ko lang sayo meron ba kayong written contract dyan sa mga utang? hindi ka naman pwede agad mademanda sis, meron proseso dyan bago kayo umabot sa demandahan... tingin ko tama lang din na nagbabayad ka kahit papaano every payday, para makitang may intention ka talaga magbayad at hindi mo naman sya tatakbuhan...

[swiTsuplada]

Question mga sis... my live-in partner had already settled his debts sa 2 cancelled cards namin. However, gusto namin mag-personal loan. I wanted to know sana kailan kaya magiging OK ang name nya sa CMAP (credit card database) para naman makapag-apply na kami. We have certificate of full payment.

Kung tutuusin nagkaroon lang ng konting misunderstanding sa credit card issuer namin tapos na-cancel na nila during the time na nasa hospital ako so naturally medyo hindi kami nakabayad ng 1 month. Then binayaran na din namin nang makaluwag na kami para wala na kaming iniintindi.

[phurple0515]

sa tingin niyo pwede kaya mag-apply ang OFW sa mga personal loans sa bank dyan?  thanks

[chofontanilla]

Hi mga sis, I am planning to apply for personal loan or kahit anong loan na pwede saken. Balak ko sana 60k. Thing is, i am from BPO, 20,500 salary ko and tenured ng 2 years. Saan kaya magakapag loan or baka may alam kayong mahiraman.

[Graile]

Hi! Ask ko [textspeak!] kung saan ba ako pwedeng mgloan.. 20 months na akong online writer at steady namn ang work.. regular dn ang pay at for the past three months ang salary ko is 60k/month at meron nman proof of monthly income.  Need ko [textspeak!] ng cash for home renovation at tag ulan na.. meron kya mga lending institution na pwedng mgbigay ng loan about 100k, sa mga freelancers na gya ko. Thanks po.

[emjey03]

BPI so far ang best bank for personal for me.  Auto debit sa account ko yung monthly payment.  Had loan 2x with them already.  Second sila sa pinakamaliit ang interest.  3 days lang din ang processing.  Check nyo rin if they have promo kasi when I applied for the 2nd time may promo pala sila and pinadalhan nila ako ng ayala cash card.

HSBC mataas magpaloan.  Dito nagloan si Hubby.  Pero isa sila sa mataas ang interes.  Online or over the counter ang payment.  Once na tapos na ang loan, mangungulit sila na magrenew ka ulit.  Pero di na kami umulit kasi nga mataas ang interes.

Citibank mataas din magpaloan.  They will approve a maximum amount pero choice mo kung gusto mo kunin lahat.  We opted not to.  Pero pwede mo pa rin iapply yung butal ng naiwang maximum loan amount.  Post dated check ang payment which ok lang since we used our BPI Family checking account kaya madaling imanage ang payment.  But manual yung pagsign at pasulat sa check.  After namin matapos yung loan, di na ulit kami nagloan since mataas ang interes.  Pero we can loan anytime since andun lang naman ang approved loan amount which you can also check sa online baking nila.

Chinatrust I got approved years ago pero di ko kinuha yung check.  Hirap kasi magpunta sa Makati that time.  Pero Hubby was able to file a loan with them thru their company kaya maliit ang interest.  Pero isa sila sa mataas din ang interes.  They will inform kung pwedeng mas mataas pa yung makuha mong loan amount.  Up to you kung magkano.  Post dated check din ang payment kaya madali din payment for us.  They will call you to renew your loan kahit di pa tapos yung current loan mo.  Computerized yung check, pipirmahan nalang kaya di nakakapagod magsulat.

Maybank ang lowest interest from the article I read weeks ago.  Checked their site and requirements and need na at least supervisory level for PL.  I submitted my application online.  I'll see if ma approve.

[Madness]

Ang baba ng interest sa standard chartered kaso pag punta ko dun, kelangan ng print out ng credit card statement and card mismo. I have all the requirements na dala na. And then, hindi pwedeng to follow or send na lang sa agent. Hindi ko kase nabasa sa website nila na kelangan yun. Hmp! Mas okay kaya mag apply sa online

[babyboo.0326]

Hi, I was able to loan sa Puregold Finance last year. The amount was 50k, PDCs needed to be given as form of payment. Co-maker is needed as well, and they also need to submit COE as part of the requirements.

I had no problems in paying since up to date naman ako lagi. Kaso last August, they called me to inform me na may memorandum yung BSP and I needed to change my remaining checks into a computerized one. I questioned it kasi, in reality, not everyone has the means to issue a computerized check. And also, hindi siya sensible. They wanted me to go to their office to change the last 4 remaining checks on my PDCs. But since that time I was on bedrest because of my herniated disc, I told them I cannot.

Come September, hindi nila pinasok yung mga cheke ko. I have funds, hindi nade-debit. So after ng second payment ko dapat ng month ng September, I emailed them. Saka lang sumagot. Reluctant pala ipasok yung cheke ko, whatever their reason, they cannot justify. My PDC for my son's tuition fee payment went through, so alam ko na walang problema sa PDCs ko.

Today, nakausap ko yung agent na nag-handle ng loan application ko. He said na he will just pick up my cash payment, issue me an acknowledgement receipt, and then give me my checks back. So binilin ko sa mother ko yung payment, kasi maayos usapan namin. When I got the chance to check the envelope, walang cheke, puro mga loan application form lang. So I texted the guy asking for my checks. Sinabihan daw siya ng supervisor niya na iwanan nalang daw yung mga cheke, ibibigay nalang daw kapag fully paid na yung loan ko. Grabe lang??!!! Common sense nalang naman na kapag binigyan ka na ng cash, you need to return the checks. Kasi paid na yun. So there's no need for you to hold on to the checks. Nakaka-stress sila!!!!

I will never loan sa Puregold Finance. Napaka-incompetent ng mga staff. Sa Shaw branch nga pala ito, I hope maayos naman sa ibang branch.

[marymi]

Parang unprofessional naman yung sayo babyboo. I wanted to apply din sana jan sa Puregold finance, kaso nakakatamad yung req's, LOL.

[vainjinir]

BPI so far ang best bank for personal for me.  Auto debit sa account ko yung monthly payment.  Had loan 2x with them already.  Second sila sa pinakamaliit ang interest.  3 days lang din ang processing.  Check nyo rin if they have promo kasi when I applied for the 2nd time may promo pala sila and pinadalhan nila ako ng ayala cash card.

HSBC mataas magpaloan.  Dito nagloan si Hubby.  Pero isa sila sa mataas ang interes.  Online or over the counter ang payment.  Once na tapos na ang loan, mangungulit sila na magrenew ka ulit.  Pero di na kami umulit kasi nga mataas ang interes.

Citibank mataas din magpaloan.  They will approve a maximum amount pero choice mo kung gusto mo kunin lahat.  We opted not to.  Pero pwede mo pa rin iapply yung butal ng naiwang maximum loan amount.  Post dated check ang payment which ok lang since we used our BPI Family checking account kaya madaling imanage ang payment.  But manual yung pagsign at pasulat sa check.  After namin matapos yung loan, di na ulit kami nagloan since mataas ang interes.  Pero we can loan anytime since andun lang naman ang approved loan amount which you can also check sa online baking nila.

Chinatrust I got approved years ago pero di ko kinuha yung check.  Hirap kasi magpunta sa Makati that time.  Pero Hubby was able to file a loan with them thru their company kaya maliit ang interest.  Pero isa sila sa mataas din ang interes.  They will inform kung pwedeng mas mataas pa yung makuha mong loan amount.  Up to you kung magkano.  Post dated check din ang payment kaya madali din payment for us.  They will call you to renew your loan kahit di pa tapos yung current loan mo.  Computerized yung check, pipirmahan nalang kaya di nakakapagod magsulat.

Maybank ang lowest interest from the article I read weeks ago.  Checked their site and requirements and need na at least supervisory level for PL.  I submitted my application online.  I'll see if ma approve.

Sis @emjey03, i am planning to avail a personal loan, 30k lang naman. I have a bpi credit card and also eyeing bpi for the loan since sila ang may pinakamababang interest at fees. But they are taking forever to process my application, so i dont know if they will approve it or not.

Now, i tried applying to Citi, same amount and the telemarketer told me i have a high chance of approval since qualified ako according to their prequalification requirements. But you say they have high interest? For an amount like 30k, do you think the difference is high between bpi and citibank interest charges?  Thank you.

[plumpolka]

^ hi sis, wala pa ko experience with personal loan sa bank pero i have credit cards on both bank and i must say sobrang laki ng difference ng interest charges ng citi sa bpi. tingin ko kung sa card palang ang laki na ng difference nila, what more pa sa loan.

[vainjinir]

Sa mga nababasa ko nga rin, mababa daw talaga interest ng bpi. Iniisip ko kung sakaling di naman ganun kalaki difference dahil mababang amount lang baka iavail ko na yung sa citi since mukhang mas madali magapprove sakanila. Pero i?ll wait for bpi?s decision nalang muna before continuing my citi application. Thank you v much, sis!

[mentoxxiii]

Hi.. nag-apply ako ng personal loan sa BPI usually gano katagal sila magapprove? mabilis lang ba sila? and naga-update ba sila if ever rejected yung application?

[mentoxxiii]

Hi.. meron bang nagapply dito for HSBC Personal loan? may cc ako sa kanila and as per sa agent n nakausap ko sa kanila as per assessment pwede ako mag-apply for personal loan.. nagsend n ko ng application and mga 1 week n [textspeak!] nag-past.. usually agno katagal inaabot ang approval nila? Thank you sa sagot po ninyo.

[super bratinella]

I have HSBC Personal Loan wayback 2010, ang siste hindi ko alam for releasing na ang check ko wala nag inform, after a month ko yata napa encash ang check that time. Check mo sis mabilis lang ang approval ng HSBC lalo ng kung may CC ka with them.

[donselle]

Hi! Ask ko lang po kung saan magandang mag-personal loan kahit walang credit card. Parang halos lahat ng banks po na alam ko may CC requirement bago maka-loan. TIA!

[omneecka]

^hi sis, try mo sa CTBC. No CC requirement when i applied before (but did not pushed through). However, PDC is required. Take note though that they have high interest rate as compare to other banks.

Hth 😊😊

[amie30]

I am SAHM and my husband works in SG. I have two HSBC cc (red and visa gold) na both good standing. Pwede ba na ako ang mag apply for loan kahit jobless ako since I am receiving remittance from my husband naman monthly thru bpi?

[omneecka]

^hi sis,

If u will avail personal loan thru your CC like cash to go, convert to cash and the likes that most CC banks offer, i think they will just ask some questions for verification. Just call HSBC and inquire for the details.

😊😊