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Why is personal loan popular?

Whether you are planning a vacation or want to realize an exciting business idea, in the Philippines, you can get all of it right away. There are unique opportunities for subject lending, as a borrower receives the required amount at a competitive interest rate and with fixed payments every month.

Such loans have several advantages that make them particularly attractive in the eyes of borrowers:

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  1. The ability to structure any loan at a lower interest rate
  2. The uniting of an outstanding loan in a single entry with a low-interest rate
  3. The absence of mandatory collateral or guarantor of loan repayment
  4. The convenience of online application
  5. The excellent way to qualitatively monitor your financial situation
  6. The amount directly depends on the borrower’s ability to pay

Who Takes a Personal Loan?

People get personal loans for several different reasons, for weddings, to redecorate the house, to buy a new car and much more. Most applicants for a personal loan Philippines will be approved if they fit the lending criteria:

  • You should be a Filipino citizen, at least 23 years old but no older than 65 years old when your loan matures.
  • Your home address or business address should be within any of the bank’s service regions.
  • You should have the following contact numbers: home landline, office or business landline and a mobile number.
  • If you’re employed, you should be with your current employer for at least two years and earning a minimum basic salary of P25,000.
  • If you’re a Professional or Self-employed, you should have been in the same profession or the same business for at least five years. As a business owner, your business should have been operational for the past five years with at least two consecutive years with profitable operations with an average monthly income of P200,000.

Candidate requirement

Whenever there is a shortage of cash for any personal use, personal loans are the saviors. But, to be safe themselves, the lenders require a few sets of documents from each applicant. The personal loan lenders have their specific requirements, criteria, and set of documents.

You will need to furnish your lender with the following documents:

  • Photo Identity Proof: Voter ID Card / Passport / PAN Card / Driving License / Aadhaar Card.
  • Residence Address Proof: Ration Card / Passport / Utility Bill
  • Income Proof: Last three months’ Payslip & Bank Statement of the last three months
  • Job Continuity Proof: Job Offer Letter / Letter from the HRD (if current employment for less than two years)
  • One passport size color photograph
  • Personal Loan Application Form duly filled.

Applying for a loan

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Applying for a loan requires a lot of considerations to be made. Because we are living fast-paced lives in this age of information, many tend to ignore the fine print and apply for a loan that is readily available to us.

However, it is not easy for a personal loan application to be approved. Banks and financial institutions that offer loans run a rigid screening process before approving borrowers.

You need to ascertain that you are capable of paying whatever you are borrowing. A stable and fixed income is one way to do so. This shows that you have what it takes to pay back what you are about to receive. An applicant with a permanent job has a higher chance of getting his or her loan approved compared to freelancers or those who work on a contractual basis.

Banks and private lenders for personal loan also need to investigate a borrower’s financial record or credit history. Your credit history will give lots of clue on your existing loans and your overall capacity to pay off those loans. The lending institutions will compare your total monthly credit repayments to your monthly income to establish your debt-to-income ratio to see if you’ll be able to pay off an additional loan with them.

How to Get a Large Loan Amount?

Getting a personal loan depends on a few factors, such as your credit history and the amount of money you need.

If you want to get a jumbo personal loan, you need to be prepared to present the type of loan package that the bank or financial company expects. Preparation is crucial; you need to prove all your income and expenses.

These days, lending intuitions want to see information — lots of information.

These are important factors that will determine the maximum personal loan amount you qualify for:

  1. The purpose of the loan
  2. Your income
  3. Your expenses
  4. Your credit history

Loan Application Processing

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These are the basic loan application process in the Philippines when applying for one:

  • Find the banks that offer personal loans

First, you have to check which banks provide a personal loan. You must do at least one of the following with every bank: Call their customer care hotline, visit their website or personally go to the bank to inquire about their loan products.

  • Provide the documents required by the bank

You should be ready to fill out lots of paperwork and submit all documents required. Among the most common documents required by banking institutions for a personal loan are pay slips, income tax return, identification cards, and proof of billing, among others. Once you’ve gathered all documents, you need to attach them to the duly accomplished application form for approval.

  • Wait and answer calls from the bank or the credit investigator

Credit investigators will verify the information you provided. They will call your home and office to confirm the information you provided, and you need to make sure that you will get their calls.

  • Wait for the notification whether approved or declined

After their investigation, banks will notify you of your loan application status via email or phone call regardless of the result. Usually, background investigations take weeks to complete before banks come up with a decision.

  • If approved, claim your cash loan proceeds

If the loan is approved, you have to go to the bank’s head office or the nearest branch to claim it. You will have to issue set of postdated checks (if PDC is the payment mode required) then claim the manager’s check issued by the lending bank. Some loans are released thru ATM card, or it may also be credited directly to your account. This depends on the mode of loan disbursement offered by a bank.

The traditional process of applying for a loan is a tedious one. Applicants must go through a lot of hoops to submit their requirements, and these processes require a tremendous amount of effort to be completed.

  • Security of Your Data

To give their customers the ultimate customer experience, lending companies are required to safeguard clients’ privacy through their dedicated transparency system in managing clients information.  For this reason, a designed privacy policy will let the clients easily know how the lending companies collect, store, use, share, and secure the personal information entrusted to them.

  • Companies in The Philippines Market

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As you research debt consolidation companies, it’s essential to look at the terms and determine what will work best for you.

You will have more choices for favorable loan terms when you have a stable income and good credit history.

Here are personal loan companies that offer favorable rates for well-qualified borrowers.

AUB CasHelp

  • Loan amount: Php 30,000 to Php 250,000
  • Loan term: Maximum of 36 months
  • Interest rate: Subject to bank’s approval

BDO Personal Loan

  • Loan amount: Php 10,000 to Php 1 million
  • Loan term: 6, 12, 18, 24, or 36 months
  • Monthly interest rate: 1.30% (for a 6-month term) or 1.25% (for all other terms)
  • Effective interest rate: 25.98% to 26.76%

BPI Personal Loan

  • Loan amount: Php 20,000 to Php 1 million
  • Loan term: 12, 18, 24, 30, or 36 months
  • Monthly interest rate: 1.20%
  • Effective interest rate: 25.03% to 25.74%

China Bank Savings Easi-Funds Personal Loan

  • Loan amount: Php 20,000 to Php 1 million
  • Loan term: 12, 18, 24, 36, or 48 months
  • Monthly interest rate: 1.55% to 1.95%
  • Effective interest rate: 32.73% to 37.24%

EastWest Personal Loan

  • Loan amount: Php 25,000 to Php 2 million
  • Loan term: 12, 18, 24, or 36 months
  • Monthly interest rate: 1.49% to 1.89%
  • Effective interest rate: 41.67% to 53.21%

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Maybank enAble Personal Loan

  • Loan amount: Php 50,000 to Php 1 million
  • Loan term: 12, 18, 24, or 36 months
  • Monthly interest rate: 1.30%

PBCOM Personal Loan

  • Loan amount: Php 40,000 to Php 1 million
  • Loan term: 12, 18, 24, 36, or 48 months
  • Monthly interest rate: 1.332% to 1.96%
  • Effective interest rate: 28.40% or 37.40%

PSBank Flexi Personal Loan with Prime Rebate

  • Loan amount: Php 20,000 to Php 250,000
  • Loan term: 24 or 36 months
  • Monthly interest rate: 1.75% (fixed term) or 2.5% (revolving credit line)

RCBC MyCash Loan

  • Loan amount: Php 50,000 to Php 1 million
  • Loan term: 6 to 36 months
  • Interest rate: Subject to bank’s approval

Robinsons Bank Personal Loan

  • Loan amount: Php 5,000 to Php 250,000
  • Loan term: 6, 9, 12, 18, 24 or 36 months
  • Interest rate: Subject to bank’s approval

Security Bank Personal Loan

  • Loan amount: Php 30,000 to Php 1 million
  • Loan term: 12, 18, 24, or 36 months
  • Monthly interest rate: 1.39% to 1.69%
  • Effective interest rate: Starts at 29.48%

Sterling Bank of Asia Personal Loan

  • Loan amount: Php 50,000 to Php 1 million
  • Loan term: Maximum of 36 months
  • Interest rate: Subject to bank’s approval

UCPB SalarEasy Loan

  • Loan amount: Php 50,000 to Php 300,000
  • Loan term: 6, 12, 18, 24, or 36 months
  • Interest rate: Subject to bank’s approval

Ensure to cut out some of your expenses or earn more money — or both. Look for ways to ensure that you aren’t spending money on things that don’t matter to you.

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