who has tried BDO Personal Loan? or if naay taga BDO diri, can you tell me about anang monthly add-on and annum rate? akong pasabot bah in short mahulog pila ang monthly rate? which one do you use the monthly add-on rate or teh annum rate.... (like if we talk about credit cards, in simple terms we say 3.5 or 2.5 ang monthly rate) I want to get infos first before going to BDO office mismo.