Closed Home credit

[iskabet]

This is for individuals that is having a loan term with Home Credit. Just want to share you their early repayments if you didn't yet know it. Para sa mga hindi pa nakakaalam just drop your comment here. Hekhek

 

[RAMSER28]

ano yon?

 

[dello124]

home credit kahit sa hating gabi tumatawag nag babanta pa nako bawal ka dito get lost

 

[-lkRiM-]

My plan pa naman ako mag loan jan

 

[Delta India Charlie Kilo]

anu yung "early repayments"?

 

[iskabet]

This is just a tip kung if ever na mabalakan mo na mag advanvce payment ng loan mo kay home credit. They have 3 types of earyly repayments. COOLING OFF PERIOD, PARTIAL EARLY REPAYMENT AT FULL EARLY REPAYMENT.

Cooling off period (COP) - Pwede mo to ipa activate by calling their CS and this only applies kung bago pa lang yung loan mo or 15 days from the day na nag loan ka. Example, december 1 ka nag loan, pwede mo lang to ipaactivate until december 15. Ang mangyayari dito is waive na lahat ng interest sa loan mo at yung amount nalang ng ni-loan mo yung babayaran.

 

[iskabet]

Partial Early Repayment (PER) - Same as cop tatawag ka din sa CS nila para ipaactivate to. Ang maganda naman dito eh kung balak mo mag advance payment ipaactivate mo to para ma-recalculate yung interest mo sa ibang months kung baga medyo makakamura ka kasi may nababawas sa last month mo at mas naikli yung loan term mo.

 

[iskabet]

Full early repayment (FER) - pamalit kay COP pag lumampas ka na sa 15 days ang iba lang dito eh may interest pa din kaso yung last month mo is waive na yung interest niya.

 

[iskabet]

That's all guys! Thanks and no hate! Btw I'm not connected to home credit. Ni reject pa nga nila ako sa loan ko, cashalo tuloy bagsak ko. Hahahaha.

 

[Delta India Charlie Kilo]

This is just a tip kung if ever na mabalakan mo na mag advanvce payment ng loan mo kay home credit. They have 3 types of earyly repayments. COOLING OFF PERIOD, PARTIAL EARLY REPAYMENT AT FULL EARLY REPAYMENT.

Cooling off period (COP) - Pwede mo to ipa activate by calling their CS and this only applies kung bago pa lang yung loan mo or 15 days from the day na nag loan ka. Example, december 1 ka nag loan, pwede mo lang to ipaactivate until december 15. Ang mangyayari dito is waive na lahat ng interest sa loan mo at yung amount nalang ng ni-loan mo yung babayaran.

Pwede ko ba gamitin gcash transaction history ko as proof na my monthly earnings ako?

 

[Delta India Charlie Kilo]

That's all guys! Thanks and no hate! Btw I'm not connected to home credit. Ni reject pa nga nila ako sa loan ko, cashalo tuloy bagsak ko. Hahahaha.

Bakit ka na reject boss?

 

[iskabet]

Pwede ko ba gamitin gcash transaction history ko as proof na my monthly earnings ako?

Depende ata sa hanap nilang documents yun eh pero mas maganda paps kung may mas legit ka na mapapakita sakanila about sa earnings mo yung may character ref ka na maibibigay sakanila para pag nag background check sila.

 

[iskabet]

Bakit ka na reject boss?

Hindi ko din sure eh pero feeling ko naliitan siguro sa downpayment ko tsaka bago pa lang kasi ako sa work ko kaya siguro ganun.

 

[Delta India Charlie Kilo]

Hindi ko din sure eh pero feeling ko naliitan siguro sa downpayment ko tsaka bago pa lang kasi ako sa work ko kaya siguro ganun.

Malaki cguro loan request mo?

 

[Delta India Charlie Kilo]

mukhang too good to be true yung cashaloan? sa gcash gcredit nga pahirapan mag pataas nang credit score tapos di pa pwede cash out.