LENDING...kinsay maka share ngnha?

[tagur0]

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elooo peeps, ask lang ko unsay pamaagi aning lending ug unsa kasagaran requirements ani?

ingon cla dali ra daw ma approbahan imo i loan na kwarta pero ang uban maglisod nag bayad, ngano man?

please enlighten me ug para sad ni sa uban na gusto makahibaw aning butanga..lamat..

[pinksari]

hi... dili ko sure kung unsa imo gi-ask kung mag-put up kag lending business or ngutana ka kung unsaon pag-loan...

if it's the latter, i can help you. naga-process ako ng loans sa different banks ... just pm me or email me sa pesolending@yahoo.com

documentary requirements:

for employed:
- photocopy of latest ITR with bir stamp or form 2316 (w2)
- photocopy of valid ID w/ picture & signature (company id, passport, driver's license, tin/sss/gsis or pag-ibig or other government-issued ID)
- any one of the following: original cert of employment with compensation, issued within the last 3 months or photocopy of latest full month pay slip.
- Original (for HSBC) or photocopy (for BDO) of latest whole-month payslips (bale 2 if payslips are issued twice monthly)

for self-employed:
- photocopy of latest full year itr with bir stamp and audited financial statements with BIR stamp for the last 2 years and/or bank statements for the last 6 months.
- photocopy of valid ID with picture and signature (co id, phil passport, driver's lic, tin/ss//gsis, etc)
- photocopy of business papers: sole proprietorship: dti certificate of business registration partnerships: SEC registration and articles of partnership

qualifications:

- 21-60 (usually) 21-70 (BDO) upon loan maturity (bawasan mo ng loan term)
- must be living within trading area (major cities and towns)
- 2-year cumulative employment with current and previous employers.
- gross monthly income 10K for bdo and hsbc metro cebu resident; 14k for hsbc all other areas resident
- have any 2 of the following: residence phone, office phone, cell phone.

interest rate formula:

[(loan amount * interest * term) + (loan amount)] / term

for example for a loan amount of 100k and payment term of, say, 24 months Chinatrust 1.49% interest

[(100k * 0.0149 * 24) + 200k] / 24 = 9823.33 per month for 24 months

banks available:
Standard Chartered, PSBank, HSBC, RCBC, Planters Bank, Chinatrust, and BDO

PM me for details or email me at pesolending@yahoo.com
CREDIT CARDS ALSO AVAILABLE

[duke pikaso]

unsa na credit cards ang available??

pasok man ko sa tanan requirements and qualiications, pero walay update sa ako application...
pero ang citibank, cge panawag, cge verify.. dugay au maabot ang card.. mga pila jud diay ni ka weeks before maapprove??

[pinksari]

i have hsbc visa and equitable amex

re: your citibank application, i-try mo follow up and try to ask the reason why u were denied (if denied ka). or probably on the way na to u ang card dugay lang niabot.

anyway, gusto ka mu-apply sa hsbc? just email me at pesolending@yahoo.com or send me a pm dinhi

[LORD_VAMPIRE]

if ever ma approve bah, when mag start ang monthly payment para sa gi loan? sa next month daun after makuha ang loan?


thanks!

[wang_AN_YU]

up! pero risky sad ning lending diba?? dghan naman mangingilad ronz.

[evangareth]

if you wanna go into lending, make sure you let teh borrower sign a promissory note. thats what i do!

[wang_AN_YU]

@evangareth: mao jud na. pero namayad man kaha tanan gipautang nimo?

[pinksari]

if ever ma approve bah, when mag start ang monthly payment para sa gi loan? sa next month daun after makuha ang loan?


thanks!

-- yes, usually ingon ana jud. ang uban banks magrequire og pdc or auto-debit from credit card or savings/checking acct. ang uban OTC so naa ra nimo mudum-dum og bayad. ang pdc pud ikaw jud mudum-dum nga u have to put funds into ur checking acct. lahat ng banks may penalty for delayed payments.

up! pero risky sad ning lending diba?? dghan naman mangingilad ronz.

-- if u are talking about putting up a lending business, yes very high ang risk but before u go into that (or into whatever business for that matter), u should know the ins and outs of it; hire people u trust. also, pag sa lending business dapat meron credit investigation. and usually pag nagpa-pa-lend meron collateral. but i accept applications and submit them to the bank. walang collateral. ang banks ra mag-C.I. sa mga applicants/clients.

if you wanna go into lending, make sure you let teh borrower sign a promissory note. thats what i do!

-- yes sa banks meron talaga promissory note.

ON THE LENDING BUSINESS
i wanna go into this business nag-iipon pa lang pang-capital. micro-financing ang style kay taas ang payback rate (>90%) tanang business naay risk so be prepared to lose some but you have to earn more to allow losing some [ang business nga lugi dapat magsara na]

personally, allergic ko sa utang and di pud ko ganahan ma-apil sa kana bitawng gina-ingon nga nagpapalubog sa uban tawo sa utang -- naay risk na matawag kag loan shark. naay negative image ang mga nagpapa-utang kay dako kuno tubo; depende ra jud na. and sa mangutang kung dili kinanglan mangutang aw dili dapat mangutang. pero naa jud sige pangutang dili kahibalo magbyad or mu-budget. they will have to learn that. i have learned that the hard way, mao jud na-allergic ko anang utang.

but i have also learned na not all utang kay bad. there are good loans and bad loans. naa ra jud sa tawo kung mangutang sya and how he uses the money. ang pag-borrow og money u can use for emergency and for starting ur own business. so basta naay padulngan ang kwarta nga maayo AND you have a clear timeline ng pagbayad, walay problema. kung kinanglan ka mag-loan kay ipalit nimo cell phone nga naay camera, para nako dili na maayo. kinahanglan ang mga luho sa lawas pinag-iipunan.

[pinksari]

hi, guys i don't know how to start a thread, i could not see the button that says "start topic" or something. so i'm just bumping up this thread...

documentary requirements:

for employed:
- photocopy of latest ITR with bir stamp or form 2316 (w2)
- photocopy of valid ID w/ picture & signature (company id, passport, driver's license, tin/sss/gsis or pag-ibig or other government-issued ID)
- any one of the following: original cert of employment with compensation, issued within the last 3 months or photocopy of latest full month pay slip.
- Original (for HSBC) or photocopy (for BDO) of latest whole-month payslips (bale 2 if payslips are issued twice monthly)

for self-employed:
- photocopy of latest full year itr with bir stamp and audited financial statements with BIR stamp for the last 2 years and/or bank statements for the last 6 months.
- photocopy of valid ID with picture and signature (co id, phil passport, driver's lic, tin/ss//gsis, etc)
- photocopy of business papers: sole proprietorship: dti certificate of business registration partnerships: SEC registration and articles of partnership

qualifications:

- 21-60 (usually) 21-70 (BDO) upon loan maturity (bawasan mo ng loan term)
- must be living within trading area (major cities and towns)
- 2-year cumulative employment with current and previous employers.
- gross monthly income 10K for bdo and hsbc metro cebu resident; 14k for hsbc all other areas resident
- have any 2 of the following: residence phone, office phone, cell phone.

interest rate formula:

[(loan amount * interest * term) + (loan amount)] / term

for example for a loan amount of 100k and payment term of, say, 24 months Chinatrust 1.49% interest

[(100k * 0.0149 * 24) + 200k] / 24 = 9823.33 per month for 24 months

banks available:
Standard Chartered, PSBank, HSBC, RCBC, Planters Bank, Chinatrust, and BDO

PM me for details or email me at pesolending@yahoo.com
CREDIT CARDS ALSO AVAILABLE