whats the Basis for installment approval?

[_Cathy_]

dpede din sa diskarte ng agent

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[_Qwerty_]

minsan may bearing din yung home address mo.. may mga areas na kahit anong apply nila hindi sila na approved.. either bahain yung area or madami squatters..

[Yatta]

Hi guys im totally new here, i'd like to know sana if ano ba ang basis para maapprove ng installment? first of sabihin ko muna background ko, i have a decent job for 2 years mahigit sa isang maliit na company my prob is wala kasing iniissue na ITR samin kasi di naman malaking company to payslip lang also bago lang account ko sa BDO pano kasi for almost 6 years sa BPI ni kahit credit card or checking account di ako inapprovan maganda naman standing ko wala rin akong loan or whatsoever pero ewan ko ba sa branch ko na yon kaya nadismaya ako anyway ano po ba dpat ko gawin para magkaron ng chansa na magkakotse? may idea ako e ewan ko kung uubra

ask my sister to apply for me haha pero ako ang magbabayad ng dp at monthly gang matapos saka ilipat sa pangalan ko ito na ata pinaka madali? or ewan ko lang kung pwede yang ganyan,

ano ba ang basehan ng banko? kasi ang advise sakin ni BDO para malaki chance ko in the future just incase gusto ko mag apply ng loan nila personal/business dapat maganda standing ng account ko like di bumababa ng 50k a month for 6 months, which is ok lang naman sakin kaya ko naman mag tiis haha kaso paano pag kotse na pinag uusapan?

pls. advice naman po plano ko kasi sana kia picanto or kia soul

salamat ng marami

Red flag yan na you are working for 2 years na sa isang company at wala kang ITR. I wonder what kind of accounting is happening in that company. Check your payslip kung may nababawas na income tax. Baka binubulsa nila yan.

[papi smith]

Q. whats the Basis for installment approval?

A. capacity to pay measured by:

1. steady income - need ITR as proof
2. net worth - bank deposit
3. rich parents - deposit on same bank

If i were the loan officer and I recommend you for approval despite having none of the above, siguradong tsugi ako sa boss ko

Kung qualified ang sis mo, that's ok, mag deed of sale na lang kayo.

[shadow]

Face value? [emoji41]

Capacity to pay and walang bad record. Sabi ko nga eh ang Car loan ngayon parang Credit card na lang sa sobrang bilis nila mag approve.

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[_Cathy_]

minsan may bearing din yung home address mo.. may mga areas na kahit anong apply nila hindi sila na approved.. either bahain yung area or madami squatters..

Wow this is something new for me. Pero madami naman area na makitid na kalye at walang garage mga bahay pero may nakaparada pa na auto sa kalye. Sa Makati district 2 marami ganyan.

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[papi smith]

yeah, palagay ko kahit wala kang work, kung ang address mo ay ayala alabang, approved ka eh

[glenn manikis]

Monthly income and 6 months bank deposit lang pinakita ko.... approved naman ako agad...

[dr. d]

Monthly income and 6 months bank deposit lang pinakita ko.... approved naman ako agad...

they probably checked and re-checked the zeroes and the decimal point locations, many times.
heh heh.

[ssaloon]

I just provided the information the bank requested (monthly income, designation, company, etc). Within a week approved naman.

I guess it helped we've been banking at that branch for over 2 decades na and ex-OFW ako