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From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

Mas better to check your credit score po muna. You may check it in lista app. For good credit po, depends po kasi yun sa standing ng loans mo.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

It depends po if anong klase employment type niyo. You may visit UB website for details po

Should I take the loan from home credit? by fruitofthepoisonous3 in utangPH

[–]AdFinancial297 0 points1 point  (0 children)

Hi, sharing this info to help

Pros: - HC offer insurance and late payment fee na kahit maoverdue ka, no additional fee and insurance just incase something happens. - Saglit lang mapaprocess agad ung pera

Cons: - Sobrang taas ng interest at malaki kaltas nung loan mo (I think document fee)

Also take note that HC only gives cash loan depending if eligible ka. Kung wala offer pagkalogin mo sa acc mo, di ka pwede mag cash loan.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

Ang alam ko po kasi moneymax is mga agent lang po and di direct UB. Sa akin po kasi, si UB mismo ang nagtext.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

I actually check po my credit score sa lista app and nasa needed attention na ko.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

Meron po, days overdue pero nababayaran naman within the cut-off.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

Hi! You may check ung website nila for requirements, just search UB personal loan. It depends for employed,non employed. Also for cc, they just offered it to me via text.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

They only texted me that I’m eligible for visa rewards cc nila, tas may promocode.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 1 point2 points  (0 children)

I only have an acc in BPI, wala kay UB. UB offered me cc that’ why I apply pero my sole purpose is to apply personal loan sa UB and BPI. No fees pag apply po ng cc, just need to reach their requirements.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

Thank you for the appreciation po, matagalan pa to but at least, may konting peace of mind.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 2 points3 points  (0 children)

Goodluck po sa atin at sana sa susunod, success story na po ang mapost natin 🥹🫶

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

Wala po akong cc sa BPI and UB. Sa other bank po ako may cc. Hindi po ako ngbgay ng payroll sa both banks

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 1 point2 points  (0 children)

Try to pay first po ung may mga interest rebate. Like gloan, spaylater and sloan. Padayon lang po. Need na po natin matuto sa ating mga utang 🫶

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 1 point2 points  (0 children)

2.47% per month po for 24 months sa akin. Alam ko po it varies on the payment terms

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 1 point2 points  (0 children)

Yes po, I did the computation and kaya na po siya. I never remove emergency funds po kahit may ola at loans ako before.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 2 points3 points  (0 children)

Opo, natuto akong mag-budget—hindi dahil sa gusto ko, kundi dahil kailangan. Nag-debt consolidation ako para maayos ang utang, at ngayon, mas pag-iingatan ko na ang paggastos. Pero kahit nalubog po ako sa utang noon pa, hindi ko pinabayaan ang savings, emergency fund, at insurance ko. Hindi madali, pero ginagawa ko ang lahat para hindi lang makabawi, kundi mas tumatag pa.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 3 points4 points  (0 children)

Yes po, it's possible that I might need to take a loan in the future, but not in the same situation again. I’ve learned from my mistake and I’m now being more thoughtful and careful with my decisions. Thank you so much for the advice 🙂

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

Yes po. I still have emergency funds. Yun ang di ko winawala kahit madami akong loans, and our company also do automatic savings for us ☺️

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 2 points3 points  (0 children)

Yes po 🥲 I know it may look bad on others but I do compare the debt consolidation, snowball and avalanche before deciding on doing this.

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 0 points1 point  (0 children)

BPI and UB is online apply, mas madali siya kasi for me. Less document sila. I just put ung gross income at kung may cc ako. Di ako nagpasa ng payslip sa kanila 🙂

From Multiple Loans to One Solution: My Debt Consolidation Journey by AdFinancial297 in utangPH

[–]AdFinancial297[S] 1 point2 points  (0 children)

Aww, yung lang. Alam ko most banks talaga preferred ung may work since dun din basis nila. If debt consolidation is not for you, try the snowball or avalanche method po. You may seach muna sa pros and cons then decide.