Results 11 to 18 of 18
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January 20th, 2016 04:02 PM #11
this is the reason why i was asking kung san gagamitin ang loan.
pandagdag lang sa monthly expenses ang amortization...
delivery varies..... mas mura ang normal kesa sa CS. sa mga topclass hospitals, nasa 60k ang normal, 200++ ang CS.
probably, you can also consider government hospitals. my sister gave birth sa OSMUN (Ospital ng Munti). Normal delivery, 15k lang ginastos including the room.
my wife naman gave birth to Makati Med, 15 years ago, CS. inabot ng 150k...
but then again, the delivery is just the start of it, the expenses are higher after birth, so if by all means, go for the Pag-ibig/SSS route kung talagang hindi kaya. You can ask for the OB kung magkano ang estimate na magagastos.. Go for lower level hospitals and as much as possible, try to borrow from relatives muna kung wala ang SSS/Pagibig. Avoid getting a loan sa bank for this purpose. Malaki ang interest.
its not that you can afford the 15k/month MA sa loans. the 15k/month, if paid by 1 year would toll you up financially.
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January 20th, 2016 04:05 PM #12
another thing is to sell assets.
if you have a car, sell it. if you have a japorms car, sell the upgrades... go back to stock. if you have high end phones, sell it and go for something lower. if you have an expensive watch, sell it.
sorry ha? galit ako sa loans eh..... laki ng kita ng bangko dyan, wherein most starting families and young individuals do not know what they are going into.
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January 20th, 2016 06:20 PM #13
In 5 months at 15k per month na sabi mo ay kaya mo ipang hulog sa utang, that will be 75k. Enough for a normal delivery, even CS sa ibang mid class hospital.
Wag ka masyado maging conscious sa pangalan ng hospital kung saan manganganak misis mo. Even some lying in clinics can do the job.
Byw, saan ba lugar nyo?
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January 20th, 2016 06:42 PM #14Firts baby namin ni Misis 15k lang damage at sa second baby namin sa bahay lang at kaibigan nya na midwife ang nagpaanak sa kanya at normal naman ang delivery at bale 3k lang kinuha sapilitan pa.
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January 20th, 2016 11:02 PM #15
Taguig sir, hindi ko ata nashare yung full details kung bakit ngresult sa loan yung decision namin. As i told at first page na bagong kasal palang ako and nagbabayad pa ako sa parents ko ng utang namin forecast ko is before manganak si misis bayad na namin yun. Kaya negative na manghiram ulit kami sakanila. Hindi naman po kami pihikan sa hospital we even consider lying in and gen hosp. Siguro wala kasi kami first hand experience since first time namin ito. Sa officemates ko ngtanong tanong ako eh 10-15 years ago pa yun baka nagtaas narin yung prices. And lastly gamit na namin ang savings namin. Share ko ulit hehe save by the bell buntis narin si misis kaya lahat regarding sa kasal is rush kaya mejo nagshoot ang gastos. Ok lang guys i respect your advice, advice is advice. Thanks guys!
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January 20th, 2016 11:23 PM #16
Ako rin sir galit sa loans i believe in the power of iponan "savings" kaya i raised a humble car ng hindi car loan, kaya lang maliit nalang ang timeframe namin. Yes all stock and i cant sell my car because its my first own car( sentimental value )& emergency cases senior narin kasi parents ko. Btw im using 0+ smartfone from my company.
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Verified Tsikot Member
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- Jul 2017
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- 14
August 11th, 2017 11:25 AM #18Try Citibank. Your loan application can be approved within
24 hours. Mababa rin yung interest rate nila compared to others.
Here's a handy guide: Citibank Personal Loan: A Comprehensive Guide To Your First Online Application - eCompareMo
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