home credit _ pautang

[madjam66]

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kinsa naka suway ug avail aning home credit, unsay inyong na experience ani nila, dako bani sila ug interestt rate.
, ganahan unta kong mosuway ani, kay mo kuha ko ug DLSR

any advise mga bros and sis ?

[princize]

so far okay ra but walay rebate for advance payment... magkagamay imong interests along the way

[freeforall]

pilay interest ani per month?

[brownie]

so far okay ra but walay rebate for advance payment... magkagamay imong interests along the way

Elaborate pa more please... Kapaliton na kaayo ko ug 21:9 hehehe

[RaymondX]

Elaborate pa more please... Kapaliton na kaayo ko ug 21:9 hehehe

hahaha unsa nang 21:9?

[jeremy294]

For me mas maau pa mo utang sa mga appliance center nga mo dawat og pautang kay naa pay rebate. Sa home credit kay wala ang total amount nga naa sa contract nimo mao gyd na ang imong barayan if the amount 20k/12 months that is 1,666 monthly with interest nana..

Sample:
1st - 1,666 Monthly / Computation 1st month Principal-800 Interest 866 = total 1,666
2nd - 1,666 Monthly / Computation 2nd month Principal-900 Interest 766 = total 1,666
3rd - 1,666 Monthly / Computation 3rd month Principal-1000 Interest 666 = total 1,666
4th - 1,666 Monthly / Computation 4th month Principal-1100 Interest 566 = total 1,666
5th

Then if your contract is 12 months, after 2 or 3 months gusto imo nalng e six months, mag change mode of payment para less interest para dali ma impas, So mo contact ka sa ilang chat support if payment ang issue patawagon ka sa ilang number manila long distance pa gyd, ingnon raka wala pa padaw naka generate ila system if mo change mode ang costumer but you can pay early same amount sa 12 months. hihihi

If ma delay ka sa due date penalty 200 every month so 1,666 + 200 = 1,866
If dili ka maka bayad next month nasad penalty kay 400 na so 1,666*2x+400+200 previous penalty = 3,932
3rd month dili gihapon ka ka bayad penalty kay 600 na 1,600*3+600+600 previous penalty = 5598

I don't know but mao nay explanation sa costumer service nila sa SM..

[princize]

For me mas maau pa mo utang sa mga appliance center nga mo dawat og pautang kay naa pay rebate. Sa home credit kay wala ang total amount nga naa sa contract nimo mao gyd na ang imong barayan if the amount 20k/12 months that is 1,666 monthly with interest nana..

Sample:
1st - 1,666 Monthly / Computation 1st month Principal-800 Interest 866 = total 1,666
2nd - 1,666 Monthly / Computation 2nd month Principal-900 Interest 766 = total 1,666
3rd - 1,666 Monthly / Computation 3rd month Principal-1000 Interest 666 = total 1,666
4th - 1,666 Monthly / Computation 4th month Principal-1100 Interest 566 = total 1,666
5th

Then if your contract is 12 months, after 2 or 3 months gusto imo nalng e six months, mag change mode of payment para less interest para dali ma impas, So mo contact ka sa ilang chat support if payment ang issue patawagon ka sa ilang number manila long distance pa gyd, ingnon raka wala pa padaw naka generate ila system if mo change mode ang costumer but you can pay early same amount sa 12 months. hihihi

If ma delay ka sa due date penalty 200 every month so 1,666 + 200 = 1,866
If dili ka maka bayad next month nasad penalty kay 400 na so 1,666*2x+400+200 previous penalty = 3,932
3rd month dili gihapon ka ka bayad penalty kay 600 na 1,600*3+600+600 previous penalty = 5598

I don't know but mao nay explanation sa costumer service nila sa SM..

@brownie detailed and elaborated hihihi btaw unsa na cya 21:9?

[dinero]

hahaha unsa nang 21:9?

detailed and elaborated hihihi btaw unsa na cya 21:9?

akong guess is led monitor na nga 21:9 - thats ultra wide gaming monitor nga 34" maayo jud ni og taste si bro brownie da

[Ronn926]

ok rmn unta... hasolan ko mangita og 20 ka character reference..
tawagan nila 20 ka kaila nako?
basin masuko nuon mga kaila, mahasol

[RaymondX]

sa akoa kay murag wala ramay nanawag. hnuon nag hatag kog account sa debit card nako, ky mas dali man daw ma approve. mao to dali rajud hehehhe. wala gani nanawag nako nga approve na. ang tga home credit ra nga nag entertain nako ang ni ingon nga ok na