BPI Bank still offline, what's going on?

[papi smith]

What made you choose BPI kung ganun?

[jut703]

What made you choose BPI kung ganun?

First year interest rate was 4.75% (1-year). All other banks nasa 5.5% or higher ang 1-year rate.

Did not expect that they will give me an 8.8% year 2 rate. After a long back and forth, naging 6.8% but locked for 3 yrs.

Meanwhile, other banks nagpromo na ng 5.5% 5 year lock. This wasn't available at the time I was getting a loan kaya I went with BPI.

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[Walter]

if the pre-payment results to diminished total income from that account, of course they'll discourage it!
or, they'll allow it, but with a "penalty" that covers for the diminished income from the account.

This would be acceptable during normal times ... but we're in the "new" normal and a lot of people are hurting from the current economic situation ... but then again, they're bankers ...

[dr. d]

This would be acceptable during normal times ... but we're in the "new" normal and a lot of people are hurting from the current economic situation ... but then again, they're bankers ...

now, now...
"banks are banks".
heh heh.

[sirkosero]

Ah talaga? Eh ano to?



Yung "All Out Promo" na pinagsasabi nila 6.88% for 3 years eh yung sa BDO nga 5.5% for 5 years.

Basura na loan rate nila, basura pa terms nila.

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Magkaiba ang BPI vs BPI family savings bank. Magkaiba nga sila ng presidente eh.

So pwede na yung natanong taga BPI kaya walang ganyab daw. Pero yung loan was from BPI family bank. Possible nagbago ng policy. Pero kung nasa contract mo na pwede yan, send an email to bsp consumer affairs. Attach mo yung request mo, their official response and excerpt from your contract... Iikot mga tumbong nila dyan

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[misseksaherada]

Yet today, when I requested to make another lump-sum payment, they say that I'll have to pay loan processing fees (~50k) if I want to make a lump-sum payment. This essentially negates any interest savings I would've had.

Same nung nangyari sakin Sir Jut.. Magbabayad din dapat ako lump sum nun pero sinabi sakin magbabayad daw ako "penalty fee" yan naman yung ginamit sakin na term.. And same, more or less 50K daw.. Yan yung time na nagde-decide ako dun sa autoloan ko.. Mas gusto nila na mag-Autoloan ako, binigyan naman nila ako lowest interest rate compared sa banks na ni-check ko sa Autoloan..
Nagtaka pa nga ako nun, sabi ko i-aaprove ba ako nyan kung may ongoing na utang pa ako.. Oo daw, wala daw yun problem meron naman daw CI..
Simula nung may discrepancy error sila dati.. Nag-open na din ako accounts sa iba pang banks.. Nagmi-maintain lang ako ng certain amount.. Hindi ko lang talaga sila maiwasan dahil sa Payroll..

[shadow]

Same nung nangyari sakin Sir Jut.. Magbabayad din dapat ako lump sum nun pero sinabi sakin magbabayad daw ako "penalty fee" yan naman yung ginamit sakin na term.. And same, more or less 50K daw.. Yan yung time na nagde-decide ako dun sa autoloan ko.. Mas gusto nila na mag-Autoloan ako, binigyan naman nila ako lowest interest rate compared sa banks na ni-check ko sa Autoloan..
Nagtaka pa nga ako nun, sabi ko i-aaprove ba ako nyan kung may ongoing na utang pa ako.. Oo daw, wala daw yun problem meron naman daw CI..
Simula nung may discrepancy error sila dati.. Nag-open na din ako accounts sa iba pang banks.. Nagmi-maintain lang ako ng certain amount.. Hindi ko lang talaga sila maiwasan dahil sa Payroll..

Diba sa housing loan dapat anniversary lang pwede mag lump sum?


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[misseksaherada]

Diba sa housing loan dapat anniversary lang pwede mag lump sum?

Yes, Sir Shadow..
Not sure sa iba, pero sakin Anniversary year lang..

[jut703]

Diba sa housing loan dapat anniversary lang pwede mag lump sum?


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Tinanong ko RM ko about this before, lump sum can be made at any time as long as it's worth a minimum of 12 monthly payments.

Tapos biglang may curveball rule naman ngayon na may penalty. Kalokohan talaga.

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[bugsmobile]

Went to 5 BPI branches near our place, lahat offline.