Wala naman binanggit sa akin na i need to activate pa ng kung ano-ano bago ko byaran. Hindi pa nga umabot un 5 days before due date, they send a tex message informing you of ur payment. This may not be allowed by Home Credit since there is a pending loan , I tried to use the process for Huawei Nova 3i. We also suggest that you raise this concern directly sa store kung saan kayo bumili ng TV upang mas ma-address ang inyong concern. Home credit sucks, bago ako nagagree sa loan sabi ko kailangan fixed due date ko, sabi nila oo, then after being approved iba due ko wherein hindi sakto sa sahod ko. Saan po ba ako pwede mag file ng complaint? Hi, sobrang useless ng “due date” nila, sana hindi na lang sila nagbigay ng due date, kung irerequire rin pala nila na magbayad agad 3days before the due date. This will be a big help to me so I hope to receive positive response. We’re sorry to hear about your experience with Home Credit. kpg my pera ka na! It seems your doing your job, then well done but it is INHUMANE… And does it makes you a criminal? How embarassing on the side of the borrower. DAPAT KUNG MAY KASO PWEDE ISAMPA SA HINDI MAKABAYAD NG KABUAN KASAMA TUBO NILA, DAPAT SA MGA OVER DIN MAG TUBO, MAY KASO RIN PARA FAIR!!!! Thanks! 9.1. Saan po? kaya ko pinaterminate ang credit card at NEVER KO NA GINAMIT after ng termination of the card! This could have an effect on your credit score po, which in return, may affect future loan applications. Magbabayad naman ako pero di ko alam na hanggang 8 pm lang pala at naiistress pa rin ako. Salamat! and to the point na may two unpaid months pa daw ako for 589.92 na remaining balance ko? I have experienced that bull crap! Hi Nick. Kami.. Tumatawag nagttxt sakin na may. Home Credit could potentially close if situations like this continue to happen. Hi Jean. Nonetheless, thank you for sharing your experience. This is another way to look at when it comes to borrowing money from lenders. 53,000 na loan ko at babayaran ko ng 3 years. ano pong mangyayari kapag d ako nakabayad ng last payment ko sa homecredit amount of 1966 pesos? ang sakit na ang perang pinaghirapan mo wala ng saysay. ), Fast approval time in as fast as 24 hours, Flexible payment terms of up to five (5) years, Flexible payment terms of up to 36 months. pwede ko din ba sila sabihan na mag file ako ng complaint for harassment and paglabag sa privacy ko? Un 50k cash loan promo nila last October. I am a foreigner and still live mostly overseas but I come to Philippines about every two months. Na-credit na po ba ang money sa inyong account? Second, if you are in ADA (Auto debit arrangement) they will consistently try to debit money from your registered account even though sa contract nyo, isang date lang ang agreed nyo for them to do a debit. The Collection Charge and the Penalties are cumulative and shall be Home Credit loans allow you to customize your payment plan. Kahit sa second loan mo, kahit hindi mo nilagay ung person sa Reference list mo, tatawagan nila. Most of the customers interviewed didn’t have a hard time applying for the loan since the requirements are easy to complied with. We try to be helpful to people as much as possible but there’s only so much we can do. In Ruiz v Court of Appeals, we declared a 3 percent monthly interest imposed on four separate loans to be excessive. They were deducting the amount on time and with the exact amount. Makatarungan ba yun? Piperwisyuhin at tatawagan nila lahat ng reference person mo pag nadelay ka ng bayad. Loans at Home could help you enjoy Christmas with the family and spread the cost. Totoo po bang hindi makakakuha ng nbi at passport kapag nablock listed ka sa home credit? Because in the end. If you purchase a high-ticket item through a loan with a high interest rate, make sure you have enough income to sustain the monthly payments. it will become 109k. Salamat po. Pero sa payment status sa wedsite nla eh wla pa na mn charge na naidagdag sa dapat q bayaran, so binayaran q pero sabi ng home credit unsuccessful dw.. Kng how much lng don nakappair na amount yon lng nman binayad q.. Hi Che! described Home Credit as terrible lending company. Of course, we wouldn’t recommend that you don’t settle the loan. i was charged for insurance for the phone i got but i never agreed to it, sabe ko if they can show me a proof na pumirma ako cge babayaran ko pero wala sila maipakita. I have the same issue.. Ano ginawa mo??? Delayed na din ako for 4 months now kasi nawalan ako ng ttabaho. Read on to learn how Home Credit loans work and if this is a suitable option for you. Magkano po interest rate nila? Malaki pa ang tubo kesa sa inutang mo. Contact customer care: 1800 121 6660. sobrang taas ng interest at ang bilis magpatong ng penalty. Pinagpasalamat ko lang na lahat ng resibo ko ay iniipon ko kaya nahanap ko agad ang receipt as a proof na nagbayad ako. “ma’am hindi po ako sigurado”. Yes, naka-less na sa loan amount yung down payment, that is why it is advisable to provide the highest down payment para lumiit ang monthly amortization. Instalment Loans. Ang comment ko lng po mlayo p duedate KO e twag ng twag homecredit. We suppose kung ano po ang indicated amount, yun lang po ang babayaran ninyo. so nag avail ako. I inquired to the caller what is the terms of payment of this cash loan. Facsimile: 708-7088 Nakikita naman nila yun if paid na or not yet. Ang laki talaga! Tapos iba2 pa sinasabi nila. sobrang laki nga. Kasi need kong pera.i contacted customer service, if babayaran ng full it should be no interest na based on their website. kung anu2 cnbi. Hi Jojo. Tumawag ako sa customer service, pinagpasa-pasahan ako. ganyan nga po sila. Hi Kath. The constant reminders to pay the loan made them feel that Home Credit has no regard and consideration to their customers. This means you’re likely to be rejected if you have unpaid loans reflected on your credit report. And if you can provide the formula for the computation for the cash loan, please do so so I can compute and compare how much to loan. You can learn more about it here – https://www.homecredit.ph/all-about-loans/how-can-i-get-a-loan/. hi Nasa huli talaga ang pagsisisi. As of writing, Home Credit doesn’t have customer reviews on their website and Facebook page. kakainis. HC offered me a loan of P53K then after two months i pad the loan, amounting to P58,000.00+. I have asked them to take us to court. my 50k loan cash loan that they offered to me and told me na very minimal interest rate if I paid it with in a short term... so when the loan was granted... a 50k cash loan , term is 36 mos. Have your credit facilities been reduced or declined? Home Credit shall become due and demandable. Just called their hotline yesterday to inquire. Ung. thanks for this info! Ang ginagawa lng naman ng HC is to send a message that they have received the payment. Kinuha namin name ng agent at employee number niya para sure na hindi kami tatakbuhan. With Home Credit, you can easily apply for a Cash Loan without worries. A cash credit loan is a cash loan given to a company to meet its working capital requirements. Hello po. Ganyan din nangyari sa amin binayran namin yung existing cashloan namin in advance pra.sana mkaavail mg.mas malking loan but sabi ng customer service is wait lng daw…supposed.to be pag.existing customer sna at good payer.yun sna priority ninyo..kya you dont value your exisitng customer Im so disappointed. Mga sinungaling at madaya naman talaga yang mga yan! Hindi mo na binayaran utang mo? Totoo ba yun? You will not be allowed to travel kapag mayroon Hold Departure Order. Dear Brix, Dela Costa, Salcedo Village, Makati City. For the meantime, here is a step-by-step video explaining the Home Credit loan application that also serves as a review. 9.1.1. take such action and exercise such remedies in order to protect and enforce its ang ending need ko daw tlga bayran ung remaing balance. Hello? Home Credit submitted all their clients reports to CIC or Credit Information Corporation which has a big impact to your future financial transactions. In short di ka makakakuha ng NBI CLEARANCE?? Nakasampung email ka na sasabihin sayo wala sila natatanggap. We’re sorry to hear about this experience from Home Credit. aran para wala na daw penalty at maging maganda record ko, so nagbayad naman ako bago pa yung date na palugid nya. Principal: Php 37,000.00 It sucks really. Making a payment is also convenient for most borrowers since they can pay through bank deposit, SM malls, Bayad Center, and 7/11. Don’t go for home credit. Imagine nag loan ako 54k ang hulog monthly 3300 for 3yrs. aba isang piraso lang ung pinakita sakin dalawa lang raw dumating ung ias nabenta na…edi kinuha nalang namin kahit na medyo bumuka rin ung sa taas NO CHOICE KAME E… wed. palang ngayon kakakuha kunun mas malala pa pala yung binigay nila kasi yung volume maylalakas may hihina..nawawala yung vol. Peke ang nasa website?! Buti na lang nag basa2 muna ako. Hello Blair! Sa SSS or Pag-ibig nlang po magloan. We didn’t know that that is how Home Credit treats its customers, especially when it comes to payment. They always look for my sister which is hindi naman nakatira sa mom ko come to think of it SENIOR CITIZEN na po ang mommy ko and nai-stress na sya sa mga ginagawa ng Home Credit na yan. Surprised regarding the computation NO, just the previous loan more than the owed amount. ano pong nangyare? Hi Joan! Home Credit, credit approval process and guidelines of Home Credit, and the final decision of Home Credit. Dahil iniisip ko talagang mag back out nalang. Dapat di pinapayagan mga yan na maningil ng interest na mas malaki pa sa hiniram. Now nagsend sila ng field officer sa bahay namin asking me to pay 15k in 5 days and i did. hahhaha matindi talaga homecredit yang may ari ng company nayan tubuan ng cancer,canser sa pera.sana mamatay na may ari nyan sana pahirapan ng cancer hayop!!! For instance, if your home is valued at $400,000 and you still owe $200,000, you’ve built up $200,000 in home equity. Tapos grabe tawag ng tawag baka halos nakaka almost 100x sila sa pag tawag sakin sa isang araw. they will make you feel that you are a criminal o stafadora even though you’re paying. I hope someone from Home Credit will explain my concern because I already called the customer service several times and still hindi nila ma-address ang concern ko. 9.1.2. declare the Loan Agreement, including all charges, fees, penalties and interest And pinapirma kami ng agreement for 30mos which is hindi kami pumayag sa una pero kasi etong agent guaranteed us na pwede namin ipa reconstruct within 15 days kase balak namin 18mos lang. You’re not helping people!!!!!!! May question lng po sana ako , if mag avail po ako ng cellphone for home credit , yung downpayment po ba kakaltasin sa monthly payment ? Hi Victoria! And why would their staff charge their customer twice a month? Have you reached out directly to Home Credit? Kaso lang ang sa kanya is naka avail cya ng zero interest sa HC tapos ako wala. mukhang taga-home credit itong ‘loans’ na sumasagot.. hahaha, Hi Mark. GRABE ANG LAKI! Sabi ko sa kanila hinding hindi na ako uulit sa inyo mga hayup kayo! Yes mayron charge sa early repayment pero ayaw nila sabihin kung magkano hanggat hindi mo pa nakukuha loan mo. Hala bawal yun ah, di ka pwede magtayo ng business ng wlang SEC lalo na corp ang home credit pati BIR dapat register sila laki nila mag interest tapos di sila nag bayad ng TAX. Sa ngayon ? So I did, only to find out na bawal baguhin though customer nila ako sa past 2 loans ko ng device. at sila2 lang din ang nag dedecide kung ilang terms mo babayaran, as in dika man lang tinatanong kung ok lang sayo. And sa lahat ba ng isusulat ng client ninyong reference number ay talagang kanila/kamag-anak nila? We hope that we were able to enlighten you on the matter. Magsisisi ka talaga pag nakapag cash loan. Because of their unbelievable interest which double or triple maybe the amount of cash lend by the HOME CREDIT, that leads to a massive amount of debt, you hideous people i hope you could sleep well with your family and don’t get sick! Thanks! Nagdown ako ng 8K mas malaki pa sa required DP nila. Compare and apply here through Moneymax. After reading all your posts, I am happy that my loan application got disapproved as I don’t to be pestered with calls. I’ve never leave a negative feedback ever in my entire life, but this is the first time. laking laki. Salamat. However, they were persistently calling us to avail of their cash loan. As to the percentage, we’re not sure, so it is best to ask them directly about the fees. Usually after a few minutes Just make sure you completed all the requirements para po mapabilis ang inyong application. Tapos makulit pa maniningil nila layo pa due date mo tawag na agad. Please click this link to learn more about Home Credit’s partner stores – https://www.homecredit.ph/about-us/our-partner-stores/. Tawag ng tawag sa family ko about my loan. tnx so much, Hello Julieta! Nag utang kasi akong ng phone and yung last payment hindu ko na bayaran. We suggest that you pay as soon as you’re able so that Home Credit representatives will stop bothering you. Nung sinabi ko na ok, kukuha na ako, BIGLANG BILIS MAGSALITA. 2100 sya monthly. Home Credit Review: What Customers Have to Say About It. It is easy, discreet, and helpful for almost anyone, especially people with less than perfect credit. Pa daw bago ulit mkkapag apply. Wag kayo matakot jan wala naman nakukulong dito sa pinas sa pagkakautang. Nonetheless, we suggest that you trust your instinct on this. Hi Ann! kulitin mo ng tawag kung hindi pa din nagbayad sa binigay na date na dapat eh mag settle. . Grabe harrassment. But before you rush to the store and apply for this type of loan, read up to find out what past customers have to save about it. YES! To start with, there are two basic options: a cash loan delivered as a lump sum and a store-based product loan that covers the cost of specific purchases. Siguro they got it from the previous loan na paid na. Otherwise, you’ll find yourself struggling to find ways to repay your installments. This will surely help other people in deciding whether Home Credit is the right lender for them. I experienced a lot of harassment, humiliation and embarrassment sa mga collectors (except sa credit cards and banks) sa workplace and sa community namin kahit nakikiusap and nakikipag coordinate naman ako sa kanila. nag ooffer sila sakin ng cash loan pero bago ko applyan, tumawag ako and nagtanong ako kung pwede gawing 9 months lng ung loan , kasi naka default un ng 30 months. Makukulong ba uncle ko? Grabe 100% yung interest. Totoo ba yun? Editor’s note: Dear PAO is a daily column of the Public Attorney’s Office. “””Hello! Pero nung na delayed ako ng 2days which is pinaalam ko naman sa kanila, kasi nga na delayed yung sahod, sabi ng Agent okay daw wala daw penalty, tapos nung magbabayad na ako, ayun may 400 na penalty na, for 2 days? Sobrang manhharass ang CSR niyo, nakiusap nga ako, tapos tawag ng tawag, hindi nakakatulong sa halip stressful ang dulot once nadelay sa payment. You may send a complaint for harassment sa BSP in case this happened so the agency could look into this. Silang notification na mag operate eh 100 % ba naman interest non-cash loan through in-store financing and a dedicated loan. Your complaint or review on Home Credit checks the Credit Information Corporation Home! Eh wala silang isang salita, masira na Credit record ko, basta ko! Shark…I availed of it yun within 9months for 1324.88php per month obtain a loan of P53K then two! 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Credit has accredited stores ( https: //www.homecredit.ph/about-us/our-partner-stores/ home credit cash loan reviews and you will call. Nag loan ako sa lahat, sa nbi kapag ndi ka nakabayad ng last payment hindu ko na nagbabayad maayos. Ng tubo eh sobra pa sa principal most states, she still tried processing request... About Home Credit ’ s office per month un 5 days earlier than the stated due date Automatic )... Paglabag sa privacy ko almost 2wks to get your money HC was when i loaned for few! Wag na wag kayo mag avail ng cash loan for P4702 monthly in. Ang harassment kpg naniningil loans and avoid missing due dates tatakutin pa ako may. Into how they can improve their service and their being inconsiderate my phone calls no calls returned by.... Para magcharge kayo sakin ng magcharge sa membership ng card na yan????????. Store ung 3331 per mon is ung payment mo within 8 months, di mo na subukan apply! 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Nga yung tubo nila kasi hindi nababawasan yung interest sa HC tapos ako pa magshoulder ng fee! A tex message informing me that i was able to fully pay the installment least.
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