Personal Loans

[haliparotti]

Hi po. Nagppaly sya thru agent. Kaya nga gusto namin kunin ulit *** mga papers namen kasi baka gamiting pang fraud (though hindi naman uso dito un pero nagiingat lang) tapos sabi nya di daw pwede kasi naipasa na. No comment **** sya sa reason bat na decline.

anyway kanina ko lnag nalaman approve na loan ko after 1 month. for some reason nde nila ata naasikaso application ko.

[copyninja]

Hi po. Nagppaly sya thru agent. Kaya nga gusto namin kunin ulit *** mga papers namen kasi baka gamiting pang fraud (though hindi naman uso dito un pero nagiingat lang) tapos sabi nya di daw pwede kasi naipasa na. No comment **** sya sa reason bat na decline.

anyway kanina ko lnag nalaman approve na loan ko after 1 month. for some reason nde nila ata naasikaso application ko.

Astig yung agent nya hah! Ayaw ibalik yung papers...anyways good for you na-approved na loan application mo sa Chinatrust

[haliparotti]

Ay hindi po ako sa chinatrust nag loan. Oo nga kaya tuloy nadala kami sa chinatrust

[almirafe]

approved ka na?

[Jaworski07]

gusto ko umutang sa bank para sa pagbili ng landed property.
ang tanong ko, magkano po pwede ko mautang sa bank kung gagamitin ko yun condo as collateral (fully paid na po sya with title). ibabase ba ng bank sa value ng condo na gagamitin ko as collateral? paano nila ivalauation yun condo? base ba sa buying price ( preselling ko nabili) or current price?

pag hindi po ako nakabayad ano po mangyayari sa collateral ko na condo? usually ilang default payment bago nila reremate condo ko? ibebenta nila para ma clear ako sa utang tama po ba? eh paano kung walang bumili ?

[copyninja]

paano pag previously my cancelled card ako pero na settle na kaso wala pa 1year. my mga nag aapprove ba ng salary loan pag ganon? sa sweldo and documents wala naman problema un sa akin. kaso nun December 2011 ko lang na settle lahat.

Usually kasi ang ibang bank kailangan more than 1 year na ang date of settlement ng cancelled credit card nila bago nila tanggapin para i-process for personal loan application. Sa kaso mo na last Dec 2011 mo lang na-settle, ang tanong, meron ka ba ngayon existing credit card? Kung meron, pwede mo i-try sa Chinatrust bank yung application mo kasi tinatanggap nila yung ganyang kaso. Basta kumpleto requirements mo at pakita mo rin *** certification of settlement mo, me chance na ma-aprubahan ka.

[copyninja]

hi everyone! Has anyone of you here from a BPO industry tried to apply for a loan?*

Chinatrust bank accepts loan applicant from BPO industry with these ff qualificatons: at least 26 y/o, w/ at least minimum basic monthly pay of Php 25,000 and has at least 3 years current work tenure or combination of 3 years work experience from previous employer to present (same work industry).

[almirafe]

^denied ako sa chinatrust, d pa kasi umabot ng 20k salary ko, kasama na benefits dun. Naka-indicate naman kasi sa req's nila na 25k (yata) for manila and 15k or 20k (yata) naman if province-based ang work mo, Sana lang indicate nila na EXCEPT call center agents. Pero if manager or supervisory ang rank mo, keri lang. *

[almirafe]

^denied ako sa chinatrust, d pa kasi umabot ng 20k salary ko, kasama na benefits dun. Naka-indicate naman kasi sa req's nila na 25k (yata) for manila and 15k or 20k (yata) naman if province-based ang work mo, Sana lang indicate nila na EXCEPT call center agents. Pero if manager or supervisory ang rank mo, keri lang. *

[AkiFoblesia]

may offer yung isang international bank, loan na around 63k then payment terms ay approx 5.7k monthly for 12 months. So bale around 8% interest. Sabi ko sa agent wag muna kasi titignan ko pa kung mapagkakakitaan.

actually 2nd bank na to nag offer ng ganyan. international bank din yun unang nag offer. pareho akong may cc sa banks na yun at ok naman ang standing ko (meaning ginagamit ko yung cards at nagbabayad ako ng buo at hindi delayed).

nweys, kaya ba? san ba pwede malagay yung amount na yun, para kumita, enough para mabayaran ko yung monthly payments, tapos sa dulo ay may matitira sa kin?

[mikegee]

What's the issue with BPO employees? Are banks more strict with them kahit regular na? Hindi ba dapat pag pasado sa requirements, ok na? I mean, it's the bank who placed the requirements there anyway...

[mikegee]

Security bank on their website has less strict requirements: (Copy-pasting from their Personal Loans Page for convenience).

QUALIFICATIONS:
1. At least 21 years old but not more than 60 years old at loan maturity
2. Filipino citizen
3. With office or residence landline
3a. Residence or office is within Security Bank processing service area

If Employed:
* Regular and permanent for at least six (6) months with current employer

Income requirement:
PHP15,000 gross monthly income for Metro Manila applicants
PHP12,000 gross monthly income for outside Metro Manila applicants

If Self - Employed:
* With at least two (2) continuous years of profitable operations in the same line of business

Income requirement
PHP30,000 net monthly income for Metro Manila applicants
PHP25,000 net monthly income for outside Metro Manila applicants

[lowie_mbstek]

Salary Loan
Requirements:
Copy of 2 Valid ID's (Company or Gov't)
Proof of Billing (Meralco or Water)
2pcs of 2x2 pictures
COE (Certificate Of Employment)
Filled up Application Form
Checking Account (mode of payment)
Notes:
Applicants must be a regular employee at least 1 year, and with basic salary of 15k above for single and 25k for married.
Sure Approval! NO CMAP!

if youre interested please send your inquiry @ lowie_mbstek@yahoo.com

[almirafe]

@mikegee kasi daw kahit regular, hindi pa rin assurance yun. Some would resign aftr getting their loan. Yan ang pagkakaalam ko. Almost every bank or financing agencies have the same req's. But as i've said pag bpo lalo na at csr ka ***, di ka maaprove. Or kung CSR ka man, dapat aabot ng 25k ang monthly gross mo., my CC ka or manager or supervisor ka mismo.

[babaeng_pawikan]

hello guyz, ask ko lang kung may nakapagtry na ba sa Chinatrust, yung Salary Stretch nila, gusto ko sana mag apply. Totoo bang mas maaasikaso ang loan kung merong agent? kesa sa walk in lang? 3 years na ako sa BPO, kaso below 15k lang ang salary. thanks!

[dumont021]

My company is offering a zero interest loan. Should I grab it kahit wala pang concrete plans? Ang naiisip ko lang sa ngayon is funds for a euro trip or a lasik operation.

[KuyaDanny]

If it's really zero interest, then take it. You don't need to spend the money. At the very least you can deposit the money, earn interest, repay your loan with the principal and keep the interest for yourself.

[dumont021]

^That's one of my plans. I'm still thinking where to invest it. Mutual Funds maybe?

[KuyaDanny]

No. Mutual funds value could go down as well as up during the term of your loan. Invest in instruments which pay interest and give you back your principal at a definite date.

[dumont021]

^like time deposits?