Personal Loan

[Miss_cha]

Good day,

share klng since bka mkhelp s rest n nandto. I?m just running 5mons s current employer k BPO hnd p nga ako regular. 1st time client din ako ni BPI. ngtry ako mg personal loan last 07/08/2019. Thank God approved. no one called me for verification kla k nga d n ako maaproved. i submited 3 yrs ITR and current 2 mons payslip. nga pla previous job k BPO dn 3 yrs 6months. maybe dun cla ng base s approval. Got the confirmation 07/18/2019 sign the docs s branch n applied k [textspeak!] 1-5 days o m credit s acct k ang loan but I got confirmation today tech prng overnight [textspeak!] cya. got it on my acct na. Thankfully I choose 1yr payment plan for 4,767 autodebited ang pay s acct. you can try din good luck for home renovation skn help ky mom

[Miss_cha]

[textspeak!] dn akong cc nung ng apply ako ng personal loan. cgro doc [textspeak!] [textspeak!] pra m approve ako 3yrs ITR [textspeak!] at payslip tpos mbait yng officer s branch k f gsto k p b dw mg avail ng other offers ng apply n dn ako ng CC after 30 days dw ang results. Good luck to me sna m approved ako.

[Myla Tolentino]

Hi!

What are your thoughts on applying for personal loan during the pandemic situation?

[PrettyEomma303]

Hi!

What are your thoughts on applying for personal loan during the pandemic situation?

Hello!

For me it's a no. Especially, I don't know if banks are offering lower interest rates for these loans at this time.

The only time I will consider a personal loan is if it will help me generate "good profit", NOT income. I say that specifically because a business can generate income but after deducting expenses, baka naman mababa ang kita.

If your funds are short during this crisis, and a loan is your only saving grace, then I guess you have no choice but to take it. But after you get back on your feet, best to really save up for an emergency fund.

[kikayako]

I have an auto loan (CBS), a credit card (Citibank) and a BPI personal loan (eto matatapos na in 3 months) . I have been paying them on time. In good credit standing naman kasi hindi naman ako nagdedelinquent and hindi rin ako nagavail ng 60-day extension. I applied for another loan in BPI. I urgently need funds now kaya hindi ko mahintay yung 3 months na matapos yung existing.  I?m not really sure kung maaapprove ako. D ba merong debt ratio? Any thoughts mga sisses?

[Vanilla.Taka]

I've been offered a CTBC personal loan and I'm actually tempted to take it.
I have a couple of questions:

1. How easy is it to pay for the monthly amortization? PDCs? Mobile Banking App?
2. How is the process? Days of approval? C.I. Process?