Results 21 to 28 of 28
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September 28th, 2017 04:38 PM #21
I just applied online.. they replied and i just emailed all requirements.. within 3 days approved na.. pinapunta na ako sa head office for signing..
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September 28th, 2017 05:48 PM #22
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September 28th, 2017 06:11 PM #23
^Oo nga! Iba ata talaga pag may work experience abroad
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September 28th, 2017 06:23 PM #24
Antayin natin comment ni OB. Im sure pre-approved na loan kahit hindi pa siya nag-aaply.
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September 28th, 2017 06:30 PM #25
Depende talaga yan sa capacity to pay mo base sa assessment ng bangko.
As mentioned, yung company na walang ITR ay napakalaking red flag na. Most probably eto ang dahilan kaya nadecline/madedecline ka. Worst case na iniisip ng banko ay pwedeng ipasara ng BIR yung company mo due to tax evasion, mawawalan ka ng trabaho, at di ka na makakabayad sa loan mo.
PERO... di lang naman eto ang basehan.
Kung matagal ka ng client nung bank at may malaki kang balanse sa kanila, in a few hours kaya ka nilang i-approve.
Case Point : I personally know someone who got approved in less than 2 hours kahit wala syang ITR. Via email lang sya nag padala ng intent na magloan, wala syang inattach na kahit anong requirement, pagtawag sa kanya hinihingi na yung dealer quotation para daw maprocess na agad. After 2 days may brand new na syang sasakyan.
Di sya nadecline kasi for the past two years dagdag lang sya ng dagdag sa account nya with minimal withdrawals hanggang sa yung balanse nya sa banko eh 60% nung iloloan nya. Sobrang gulat nga nya kasi he was expecting na after a few days or weeks pa similar to most who posted here. Eh nung time na yun di pa final desisyon nya kung ano talagang sasakyan kukunin.
Nga pala, walang obligasyon ang banko na sabihin sa kliyente bakit sya nadecline. Try your luck nalang sa ibang banko na mas maluwag sa requirements.
Kung nakakarami ka na ng decline, baka sign na yun na di ka pa talaga dapat magka kotse.
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Verified Tsikot Member
- Join Date
- Apr 2017
- Posts
- 7
October 4th, 2017 01:35 PM #26
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Verified Tsikot Member
- Join Date
- Jan 2013
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- 178
October 4th, 2017 02:58 PM #27Nag fill-up lang ng form sa mall. tapos tumawag ahente approve na daw sa PSbank. anong kulay daw gusto ko.
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Verified Tsikot Member
- Join Date
- Dec 2014
- Posts
- 99
October 4th, 2017 03:13 PM #28
Be careful with channels like "China Observer" on YouTube. There is a clear bias in their posts and...
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