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Home Credit PH (Loan)

pusameowpusameow PExer
edited July 2019 in Banking and Finance
Anyone heard of this?

Pwede daw mag apply ng loan for gadgets sa mga partners nila.

I was at Silicon Valley last night. Bumili ako ng HDD na 2TB.

Inalok ako nung agent baka daw interesado ako. Nang hingi lang ako ng computation for Iphone 6 Plus 64GB.

Pero parang nakakatakot yung mga comments sa facebook page nila.

Anyone na may experience sa kanila? Please share!
«13

Comments

  • Exactly! Pero ako, I had a good experience sa Home Credit. They have fast approval process. However, you need to be really serious in paying your debt dahil, "hindi ka nila tatantanan!" hahaha seryoso, they will call you alot to remind you about your outstanding balances so if you are not serious in doing good business to them then better be off to them.

    I also heard bad stories about their ways of collecting money to their customers, but who cares? I'm a good payer and I will not let them pursue me regarding my credits.


    This is my post on this thread:http://www.pinoyexchange.com/forums/showthread.php?t=662550&p=75074134&viewfull=1#post75074134
  • edgenikeedgenike PEx Veteran ⭐⭐
    better get a credit card nalang. if you want to buy gadgets. meron mga 0% installments pa. i dont know how much is the interest. but I am very sure ang laki ng interest dyan.
  • pc03pc03 PEx Influencer ⭐⭐⭐
    I have good experience sa Aeon Credit naman. May cash out kasi sa Home Credit eh
  • pokemonaddictpokemonaddict PEx Influencer ⭐⭐⭐
    Merun na ba may experience sa pagkuha ng loan/gagdet/appliance sa Home Credit?
    Please kindly share your experience.

    I've heard na panget daw kumuha ng loan sakanila kasi halos doble daw interest nila and very unprofessional daw mga agents nila. So it seems na mas maganda pa din sa bank na mag loan?

    What about gadgets/appliances?

    A few years ago, I inquired for a cellphone and sabi ng taga Home Credit kailangan ko daw magsubmit ng docs, magbayad ng 50% downpayment and the monthly amortization is 3 months only so I was pissed off. 

    Pero ngayon nakita ko sa site nila 20% daw downpayment and 12 months amortization. 0% interest. 

     Any feedback? Or mas maganda credit card pa rin gamitin? 
  • ehleesyanehleesyan Para kanino ka bumabangon PEx Moderator
    edited April 2018
    I had 2 loans na with Home Credit. I will show you yung breakdown nung loan ko.

    I availed a 0% installment with them, Laptop yung aking purchase.
    Laptop's Price: Php 31,990.00
    I paid a 14,000.00 downpayment.
    9 months term.

    Handling Fee = 93
    Principal = 2,061
    Installment Amount (monthly payment) = 2,154

    Meron tong insurance na kasama, pwede mong irequest not to include an insurance, pero sabi nung friend ko, makaka-apekto sa approval yun.

    Yung downpayment ko, may cut parin sila. Take note: 0% itong offer nila ha.

    Bale yung principal amount na finance nila sakin is 18,547. Eh ang downpayment ko is 14,000.00, dapat ifinance lang sakin is 17,990. May cut na silang 557 sa downpayment ko. Plus yung 93 pesos per month na handling, (93pesos x 9months = 837 pesos) 

    Bale total na tinubo nila sakin is 557 + 837 = 1,394
    Wala pa akong card noong time na to na kumuha ako ng laptop.

    == Yes, merong mga balasubas na agent, buti nalang ung nag-process sakin is classmate ko nung college, and yung unang nagprocess ng loan ko eh mabait din.

    One thing na I highly suggest not to take- yung Cash Loan nila. Masyadong malaki tubo.
  • freelancer_babefreelancer_babe PEx Influencer ⭐⭐⭐
    I did not get Home Credit and I probably never will - because I can use my own credit cards for installment at 0% interest.

    Kaya lang napansin ko sa site nila, that they also report credit history sa CIC.

    Given that information, those who don't own credit cards and don't have credit history may want to give this a try so that they can establish better credit lines in the future (such as 0% installment for 24 months in credit cards, easy approval for car and housing loans).

    Kumbaga kagatin nyo muna ang tubo just to establish that credit history as a start and be a good payor till the end. Then try to apply credit cards as the next step.
  • SamanthaBSamanthaB PEx Rookie ⭐
    I tried to apply for a loan before sa Home Credit. Nasira yung laptop ko so I need to have a new one immediately kasi needed sa work. Unfortunately, it wasn't approved. When it comes sa agents nila, yung nagassist naman sa akin is mabait.
  • epslvdrepslvdr PEx Rookie ⭐
    edited May 2018
    I have credit cards, but i decided to try home credit for a spare phone that i got. tama si ehleesyan. too good to be true yung 0% installment nila kasi somehow sa insurance and DP mo diyan sila may kita. they do report sa CIC, very clear sila about that na maapektuhan work mo and records mo if hindi ka magbayad.
    pero so far, kung magbabayad ka naman on time, hindi naman sila nangungulit. and may kita din ata sila sa bayad center/sm bills kasi may processing fee for payment sila dun na 15pesos if im not mistaken.

    may kilala ako hindi binayaran home credit after 2 mos na nakuha yung phone, nagpupunta na yung home credit sa bahay, tawag ng tawag sa landline and CP. tapos pati sa work pinuntahan siya, and yung mga contact persons na nilagay sa app form ng client, tatawagan and kukulitin para sabihan magbayad yung client nila. 

    if hindi ka maapprove, try to make your DP higher.
  • ehleesyanehleesyan Para kanino ka bumabangon PEx Moderator
    epslvdr said:
    I have credit cards, but i decided to try home credit for a spare phone that i got. tama si ehleesyan. too good to be true yung 0% installment nila kasi somehow sa insurance and DP mo diyan sila may kita. they do report sa CIC, very clear sila about that na maapektuhan work mo and records mo if hindi ka magbayad.
    pero so far, kung magbabayad ka naman on time, hindi naman sila nangungulit. and may kita din ata sila sa bayad center/sm bills kasi may processing fee for payment sila dun na 15pesos if im not mistaken.

    may kilala ako hindi binayaran home credit after 2 mos na nakuha yung phone, nagpupunta na yung home credit sa bahay, tawag ng tawag sa landline and CP. tapos pati sa work pinuntahan siya, and yung mga contact persons na nilagay sa app form ng client, tatawagan and kukulitin para sabihan magbayad yung client nila. 

    if hindi ka maapprove, try to make your DP higher.
    Agree, according to my college friend, pag maganda job position mo, mas less ang chance mo to get approved. :)

    share ko lang din, last loan ko with HomeCredit, last 2 months na ng loan ito, hindi ko nabayaran on time, pero hindi ako pinagbayad ng interest ni HC, as long as you assure them na babayaran mo within the day na sinabi mo sa agent (usually the same day na pagtawag nila, dapat bayaran, kase nga lampas na sa due date)
  • pokemonaddictpokemonaddict PEx Influencer ⭐⭐⭐
    Share ko lang personal exp ko with Home Credit.

    Last Sunday (July 29), napilitan akong kumuha ng phone kasi bumigay na yung Android phone ko and I cannot stand a day na hindi ako makakapag mobile games :lol: 
    Although I have an iOS phone pero marami akong accounts sa android na hindi ko naman malaro sa iOS :lol: 

    So ayun nagpunta ako sa mall. First plan ko was to pay in cash. Sinesalestalk na ako ng mga tao sa store. Until someone came to up and gave me a Home Credit application form. At first, I wasn't interested but the salesman and salesladies of the store encouraged me to apply for Home Credit. I told them na baka hindi ako maapprove jan. They said subject to approval within 30 minutes lang daw. 

    At dahil naisip ko it will be my last day at work on August 1 (downsizing kasi company), I decided na itry ko na lang mag apply for Home Credit kaysa galawin ko ang savings ko. I was also informed pwede naman daw cc ang gamitin ko, 0% installment sabi ko di naman pwede mga cc ko (BOC), though they offered to call the hotline, baka pwede daw gawan ng paraan. Pero I said no. Kasi si BOC may interest siya pag di merchant partners. Mababa ang limit ko kay RBank. Mababa din CL ko kay BPI scc. Kaya ayon nagpa home credit na lang ako. 

    The guy from Home Credit kept insisting me to have an ADA with them. But I said no. He also said na kung ayaw ko daw talaga ng ADA, yung payroll account ko na lang daw gamitin. Tapos withdrawhin ko na lang daw lahat ng laman at manual na daw ako magbayad sakanila pero still I wasn't convinced :lol: hangga't maari, iniiwasan ko talaga mga auto debit arrangements (unless kung bank transactions ie may loan ako sa bank tapos ipapa ADA ko sa SA pero kung non-bank transactions eh ayaw ko talaga ng ADA). Nag sales pitch pa, sabi prior to deducting money from my SA eh mag tetext/email/tatawag pa daw si Home Credit sa akin to ask for my approval. (Effort na effort si kuya :lol: ) Sabi pa for higher chances of approval kasi pag mag pa ADA ako eh ayaw ko talaga. Sabi ko pa, ok lang kung idecline ako ni Home Credit. I'm willing to take chances. 

    Medyo nagulat lang ako na bakit may ADA na, samantala dati from the stories I've heard and read, wala pa ako naririnig na pinapa ADA sila. 

    Pero sa insurance, agad agad naman ako pumayag kasi naalala ko agad it will help in being approved. 
    Tapos the guy asked about my employment, I told him my industry is BPO. He asked if it was call center or services. I said services. Asked how much was my gross and kung may mga incentives daw ako, sinama niya ang monthly incentives ko sa salary package ko lol kaya nagmukhang malaki monthly ko :lol: I was aware he was doing it para mas mataas chance na maapprove ako :lol:

    Then mga 20 mins later, Home Credit texted me telling me that my loan was approved so ayon bumalik ako sa store.

    Too good to be true nga ang 0% installment nila. The store price of the handset I bought was Php 17,990. 

    Nag down ako ng 6k, Ang monthly ko is 1,435.45 for 9 months. Kasama na daw jan ang P20/day daw na insurance. I don't have my home credit kit with me pero pagkakatanda ako around 1,300+ monthly kung hindi kasama insurance. Basta kung itototal ko kahit di kasama ang insurance, mahigit 18k plus padin yun. 

  • ehleesyanehleesyan Para kanino ka bumabangon PEx Moderator
    Share ko lang personal exp ko with Home Credit.

    Last Sunday (July 29), napilitan akong kumuha ng phone kasi bumigay na yung Android phone ko and I cannot stand a day na hindi ako makakapag mobile games :lol: 
    Although I have an iOS phone pero marami akong accounts sa android na hindi ko naman malaro sa iOS :lol: 

    So ayun nagpunta ako sa mall. First plan ko was to pay in cash. Sinesalestalk na ako ng mga tao sa store. Until someone came to up and gave me a Home Credit application form. At first, I wasn't interested but the salesman and salesladies of the store encouraged me to apply for Home Credit. I told them na baka hindi ako maapprove jan. They said subject to approval within 30 minutes lang daw. 

    At dahil naisip ko it will be my last day at work on August 1 (downsizing kasi company), I decided na itry ko na lang mag apply for Home Credit kaysa galawin ko ang savings ko. I was also informed pwede naman daw cc ang gamitin ko, 0% installment sabi ko di naman pwede mga cc ko (BOC), though they offered to call the hotline, baka pwede daw gawan ng paraan. Pero I said no. Kasi si BOC may interest siya pag di merchant partners. Mababa ang limit ko kay RBank. Mababa din CL ko kay BPI scc. Kaya ayon nagpa home credit na lang ako. 

    The guy from Home Credit kept insisting me to have an ADA with them. But I said no. He also said na kung ayaw ko daw talaga ng ADA, yung payroll account ko na lang daw gamitin. Tapos withdrawhin ko na lang daw lahat ng laman at manual na daw ako magbayad sakanila pero still I wasn't convinced :lol: hangga't maari, iniiwasan ko talaga mga auto debit arrangements (unless kung bank transactions ie may loan ako sa bank tapos ipapa ADA ko sa SA pero kung non-bank transactions eh ayaw ko talaga ng ADA). Nag sales pitch pa, sabi prior to deducting money from my SA eh mag tetext/email/tatawag pa daw si Home Credit sa akin to ask for my approval. (Effort na effort si kuya :lol: ) Sabi pa for higher chances of approval kasi pag mag pa ADA ako eh ayaw ko talaga. Sabi ko pa, ok lang kung idecline ako ni Home Credit. I'm willing to take chances. 

    Medyo nagulat lang ako na bakit may ADA na, samantala dati from the stories I've heard and read, wala pa ako naririnig na pinapa ADA sila. 

    Pero sa insurance, agad agad naman ako pumayag kasi naalala ko agad it will help in being approved. 
    Tapos the guy asked about my employment, I told him my industry is BPO. He asked if it was call center or services. I said services. Asked how much was my gross and kung may mga incentives daw ako, sinama niya ang monthly incentives ko sa salary package ko lol kaya nagmukhang malaki monthly ko :lol: I was aware he was doing it para mas mataas chance na maapprove ako :lol:

    Then mga 20 mins later, Home Credit texted me telling me that my loan was approved so ayon bumalik ako sa store.

    Too good to be true nga ang 0% installment nila. The store price of the handset I bought was Php 17,990. 

    Nag down ako ng 6k, Ang monthly ko is 1,435.45 for 9 months. Kasama na daw jan ang P20/day daw na insurance. I don't have my home credit kit with me pero pagkakatanda ako around 1,300+ monthly kung hindi kasama insurance. Basta kung itototal ko kahit di kasama ang insurance, mahigit 18k plus padin yun. 

    Like what I posted yung breakdown ko, 0% is not 0%. May tubo parin sila diyan :) Pero maliit na ito kahit papaano.
    I forgot to mention na meron silang inooffer na ADA para hindi ka na mahirapan magbayad at hindi ka mag-incur ng late payment fees/penalty. Share ko nalang din, my first ADA with them was through my payroll ATM. Approved ng BOA ng payroll account ko yung ADA. Nung 2nd loan ko na with them, I used my personal savings account for ADA arrangement. Denied. Both accounts are Metrobank. Pero approved naman both loans ko hehe.

    For future people na mag aavail ng home credit, grab their offer KUNG 0%. (maliit ang tubo niyan kumpara sa regular rate nila na napakataaas)
  • pokemonaddictpokemonaddict PEx Influencer ⭐⭐⭐
    ehleesyan said:
    Share ko lang personal exp ko with Home Credit.

    Last Sunday (July 29), napilitan akong kumuha ng phone kasi bumigay na yung Android phone ko and I cannot stand a day na hindi ako makakapag mobile games :lol: 
    Although I have an iOS phone pero marami akong accounts sa android na hindi ko naman malaro sa iOS :lol: 

    So ayun nagpunta ako sa mall. First plan ko was to pay in cash. Sinesalestalk na ako ng mga tao sa store. Until someone came to up and gave me a Home Credit application form. At first, I wasn't interested but the salesman and salesladies of the store encouraged me to apply for Home Credit. I told them na baka hindi ako maapprove jan. They said subject to approval within 30 minutes lang daw. 

    At dahil naisip ko it will be my last day at work on August 1 (downsizing kasi company), I decided na itry ko na lang mag apply for Home Credit kaysa galawin ko ang savings ko. I was also informed pwede naman daw cc ang gamitin ko, 0% installment sabi ko di naman pwede mga cc ko (BOC), though they offered to call the hotline, baka pwede daw gawan ng paraan. Pero I said no. Kasi si BOC may interest siya pag di merchant partners. Mababa ang limit ko kay RBank. Mababa din CL ko kay BPI scc. Kaya ayon nagpa home credit na lang ako. 

    The guy from Home Credit kept insisting me to have an ADA with them. But I said no. He also said na kung ayaw ko daw talaga ng ADA, yung payroll account ko na lang daw gamitin. Tapos withdrawhin ko na lang daw lahat ng laman at manual na daw ako magbayad sakanila pero still I wasn't convinced :lol: hangga't maari, iniiwasan ko talaga mga auto debit arrangements (unless kung bank transactions ie may loan ako sa bank tapos ipapa ADA ko sa SA pero kung non-bank transactions eh ayaw ko talaga ng ADA). Nag sales pitch pa, sabi prior to deducting money from my SA eh mag tetext/email/tatawag pa daw si Home Credit sa akin to ask for my approval. (Effort na effort si kuya :lol: ) Sabi pa for higher chances of approval kasi pag mag pa ADA ako eh ayaw ko talaga. Sabi ko pa, ok lang kung idecline ako ni Home Credit. I'm willing to take chances. 

    Medyo nagulat lang ako na bakit may ADA na, samantala dati from the stories I've heard and read, wala pa ako naririnig na pinapa ADA sila. 

    Pero sa insurance, agad agad naman ako pumayag kasi naalala ko agad it will help in being approved. 
    Tapos the guy asked about my employment, I told him my industry is BPO. He asked if it was call center or services. I said services. Asked how much was my gross and kung may mga incentives daw ako, sinama niya ang monthly incentives ko sa salary package ko lol kaya nagmukhang malaki monthly ko :lol: I was aware he was doing it para mas mataas chance na maapprove ako :lol:

    Then mga 20 mins later, Home Credit texted me telling me that my loan was approved so ayon bumalik ako sa store.

    Too good to be true nga ang 0% installment nila. The store price of the handset I bought was Php 17,990. 

    Nag down ako ng 6k, Ang monthly ko is 1,435.45 for 9 months. Kasama na daw jan ang P20/day daw na insurance. I don't have my home credit kit with me pero pagkakatanda ako around 1,300+ monthly kung hindi kasama insurance. Basta kung itototal ko kahit di kasama ang insurance, mahigit 18k plus padin yun. 

    Like what I posted yung breakdown ko, 0% is not 0%. May tubo parin sila diyan :) Pero maliit na ito kahit papaano.
    I forgot to mention na meron silang inooffer na ADA para hindi ka na mahirapan magbayad at hindi ka mag-incur ng late payment fees/penalty. Share ko nalang din, my first ADA with them was through my payroll ATM. Approved ng BOA ng payroll account ko yung ADA. Nung 2nd loan ko na with them, I used my personal savings account for ADA arrangement. Denied. Both accounts are Metrobank. Pero approved naman both loans ko hehe.

    For future people na mag aavail ng home credit, grab their offer KUNG 0%. (maliit ang tubo niyan kumpara sa regular rate nila na napakataaas)
    Ah mukhang ok nga sakanya. Baka next time iconsider ko na magpa ADA sakanila. Naisip ko din mag establish ng credit history with Home Credit for future use na din. 
  • ehleesyanehleesyan Para kanino ka bumabangon PEx Moderator
    ehleesyan said:
    Share ko lang personal exp ko with Home Credit.

    Last Sunday (July 29), napilitan akong kumuha ng phone kasi bumigay na yung Android phone ko and I cannot stand a day na hindi ako makakapag mobile games :lol: 
    Although I have an iOS phone pero marami akong accounts sa android na hindi ko naman malaro sa iOS :lol: 

    So ayun nagpunta ako sa mall. First plan ko was to pay in cash. Sinesalestalk na ako ng mga tao sa store. Until someone came to up and gave me a Home Credit application form. At first, I wasn't interested but the salesman and salesladies of the store encouraged me to apply for Home Credit. I told them na baka hindi ako maapprove jan. They said subject to approval within 30 minutes lang daw. 

    At dahil naisip ko it will be my last day at work on August 1 (downsizing kasi company), I decided na itry ko na lang mag apply for Home Credit kaysa galawin ko ang savings ko. I was also informed pwede naman daw cc ang gamitin ko, 0% installment sabi ko di naman pwede mga cc ko (BOC), though they offered to call the hotline, baka pwede daw gawan ng paraan. Pero I said no. Kasi si BOC may interest siya pag di merchant partners. Mababa ang limit ko kay RBank. Mababa din CL ko kay BPI scc. Kaya ayon nagpa home credit na lang ako. 

    The guy from Home Credit kept insisting me to have an ADA with them. But I said no. He also said na kung ayaw ko daw talaga ng ADA, yung payroll account ko na lang daw gamitin. Tapos withdrawhin ko na lang daw lahat ng laman at manual na daw ako magbayad sakanila pero still I wasn't convinced :lol: hangga't maari, iniiwasan ko talaga mga auto debit arrangements (unless kung bank transactions ie may loan ako sa bank tapos ipapa ADA ko sa SA pero kung non-bank transactions eh ayaw ko talaga ng ADA). Nag sales pitch pa, sabi prior to deducting money from my SA eh mag tetext/email/tatawag pa daw si Home Credit sa akin to ask for my approval. (Effort na effort si kuya :lol: ) Sabi pa for higher chances of approval kasi pag mag pa ADA ako eh ayaw ko talaga. Sabi ko pa, ok lang kung idecline ako ni Home Credit. I'm willing to take chances. 

    Medyo nagulat lang ako na bakit may ADA na, samantala dati from the stories I've heard and read, wala pa ako naririnig na pinapa ADA sila. 

    Pero sa insurance, agad agad naman ako pumayag kasi naalala ko agad it will help in being approved. 
    Tapos the guy asked about my employment, I told him my industry is BPO. He asked if it was call center or services. I said services. Asked how much was my gross and kung may mga incentives daw ako, sinama niya ang monthly incentives ko sa salary package ko lol kaya nagmukhang malaki monthly ko :lol: I was aware he was doing it para mas mataas chance na maapprove ako :lol:

    Then mga 20 mins later, Home Credit texted me telling me that my loan was approved so ayon bumalik ako sa store.

    Too good to be true nga ang 0% installment nila. The store price of the handset I bought was Php 17,990. 

    Nag down ako ng 6k, Ang monthly ko is 1,435.45 for 9 months. Kasama na daw jan ang P20/day daw na insurance. I don't have my home credit kit with me pero pagkakatanda ako around 1,300+ monthly kung hindi kasama insurance. Basta kung itototal ko kahit di kasama ang insurance, mahigit 18k plus padin yun. 

    Like what I posted yung breakdown ko, 0% is not 0%. May tubo parin sila diyan :) Pero maliit na ito kahit papaano.
    I forgot to mention na meron silang inooffer na ADA para hindi ka na mahirapan magbayad at hindi ka mag-incur ng late payment fees/penalty. Share ko nalang din, my first ADA with them was through my payroll ATM. Approved ng BOA ng payroll account ko yung ADA. Nung 2nd loan ko na with them, I used my personal savings account for ADA arrangement. Denied. Both accounts are Metrobank. Pero approved naman both loans ko hehe.

    For future people na mag aavail ng home credit, grab their offer KUNG 0%. (maliit ang tubo niyan kumpara sa regular rate nila na napakataaas)
    Ah mukhang ok nga sakanya. Baka next time iconsider ko na magpa ADA sakanila. Naisip ko din mag establish ng credit history with Home Credit for future use na din. 
    I think parang pogi points din kay bank yun, kaya siguro napaka-smooth ng application ko ng credit card kay metrobank eh :) 

    Don't worry, safe yan. Yung sinabi sayo nung agent na hihingi pa ng authorization to deduct, that's not true. Instead of authorization, Home Credit will text/notify you 2 days before the recommended due date na your savings account na naka-ADA should be funded na. So far, hindi naman ako na-deduct ng more than my monthly payment sa kanila. Wala pa naman din akong nababalitaan na sobra ang binawas. ^_^
  • piquanteyepiquanteye Member PEx Expert 🎖️
    edited February 2019
    MC or VISA? Sino kapartner nila?

    Ill go for VISA sana. Home credit can the PH version of CapitalOne.

    I definitely suggest they go digital.
  • vc23vc23 PEx Veteran ⭐⭐
    VISA

    SYSTEM GENERATED daw ang pagoffer ng card sa mga existing clients nila, i TATAG daw ng system ayon kay ateng csr....


  • vc23vc23 PEx Veteran ⭐⭐
    No bank partner sila...
  • piquanteyepiquanteye Member PEx Expert 🎖️
    Mukhang okay to. Sana okay din ang Data Security and Privacy.

    Anyways pwede kaya convert to 0% install for x-24 months sa Home Credit App, ang 1 time purchase min 3k?

    Maganda kung mag digital Home Credit sila.
  • Strong7PowerStrong7Power Member PEx Moderator
    ehleesyan said:
    Disregard my 2 posts above. False alarm. Hindi niya sakin ipinaalam na siya pala talaga ang nag avail ng cash loan, pero pinautang niya. Mygawd. o.o kung inamin niya sana nung sinabi ko na sa kanyang cash loan ung nasa contract, edi tapos sana. -.- 
    Ayaw lang talaga ipasabi ng partner mo.
  • piquanteyepiquanteye Member PEx Expert 🎖️
    Lazada, Zalora and Shoppee are good target market ng home credit. Pati yung maliliit na stores na nag papahome credit.

    Pwede kaya Home Credit and PaymayaPOS tie up??
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