Best and fair For Personal Loan

[nubesuke]

Guys need your advice for this. Who's offering the best/fair personal loan either bank or financing company. I'm a newlywed guy and we are expecting our first child in a 5-6 months. We decided personal loan since we can't save much in a short period. Hope somebody can give me advice regarding this. Thanks!

[Balikpinoy]

Bpi has good rates if you are a customer.

[myas110]

Bpi has good rates if you are a customer.

madami ba ang requirements nila?

[erdiedizon]

The best try ur kamag anak or kaibigan po? But be sure to pay in time, mag aaway ang mag anak at kaibigan dahil sa utang.

[1D4LV]

Guys need your advice for this. Who's offering the best/fair personal loan either bank or financing company. I'm a newlywed guy and we are expecting our first child in a 5-6 months. We decided personal loan since we can't save much in a short period. Hope somebody can give me advice regarding this. Thanks!

what would you need the loan for? for a starting family, mahirap magbayad ng loans + may baby pa.
kung sa hospital expenses lang naman, wala kayong medical benefits?
kung pagdagdag lang, baka pwede ka mag loan sa SSS and sa Pagibig.

[nubesuke]

what would you need the loan for? for a starting family, mahirap magbayad ng loans + may baby pa.
kung sa hospital expenses lang naman, wala kayong medical benefits?
kung pagdagdag lang, baka pwede ka mag loan sa SSS and sa Pagibig.

Thanks guys sa pagsagot, Meron naman pero ang health cards sa pagkakaalam ko is Hindi Sakop ang panganganak & yes we both applied for SSS and Pag Ibig until now wala pa feedback Kung magkano. Nagreready Lang kami mas maganda ready kesa late na. We can spare upto 15k a month for two years naman. Kung Mahaba haba sana ipunan Kaya namin kahit Hindi na magloan.

[Lew_Alcindor]

SSS/GSIS or PAGIBIG.
Mas maluwag yang mga sa yan sa repayments.

Matanong ko lang, magkano ba ang estimated na gagatusin sa panganganak? Kung kaya ni misis ang normal delivery, go for it. Mas mura at mas mabilis ang recovery. Misis ko eh 1 day after manganak malakas na. Dun sa panganay ko eh nanganak siya ng 11AM. 11PM na eh gising pa at nakikipag-tsismisan sa mga dalaw hahaha.

FYI, we spent 14K for my first born hahaha (infirmary lang ito) and 40K sa second kid kasi humirit si misis na gusto daw niya na magandang ospital naman hahaha.

[1D4LV]

Thanks guys sa pagsagot, Meron naman pero ang health cards sa pagkakaalam ko is Hindi Sakop ang panganganak & yes we both applied for SSS and Pag Ibig until now wala pa feedback Kung magkano. Nagreready Lang kami mas maganda ready kesa late na. We can spare upto 15k a month for two years naman. Kung Mahaba haba sana ipunan Kaya namin kahit Hindi na magloan.

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.

[nubesuke]

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.

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.

[jodski]

Ensure mo contributions mo sa philhealth is updated.

If meron kayo place sa province, mas mura manganak dun. Yung 60 to 80k package na inooffer ng medical city dito sa manila, sa Lipa city na private hospital din is naglalaro lang sa 35 to 50 K

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[nubesuke]

Thanks guys mukha Ibang thread dapat ginawa ko "regarding gastos sa pangangnak"

[jodski]

Thanks guys mukha Ibang thread dapat ginawa ko "regarding gastos sa pangangnak"

Wala naman problem dun thread mo naman ito eh.

Kapag naka graduate ka na sa panganganak, ito mga next expenses mo

1) milk - kung hindi makapag produce naturally ang mother, ito ang mabigat na gastos weekly.

Can go 1,500 to 2k for every 2 weeks depende sa consumption ng baby and sa brand ng formula.

2) follow up checkups and vaccines - vaccines starts at 1,200 to 7,000 a session depende sa klase. Kung gusto mo free, hanap ka ng schedule sa health center in your barangay.

3) consumable baby supplies - diapers, wipes, soap

And the list goes on pero yan lang yung ilan sa basics



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[1D4LV]

Wala naman problem dun thread mo naman ito eh.

Kapag naka graduate ka na sa panganganak, ito mga next expenses mo

1) milk - kung hindi makapag produce naturally ang mother, ito ang mabigat na gastos weekly.

Can go 1,500 to 2k for every 2 weeks depende sa consumption ng baby and sa brand ng formula.

2) follow up checkups and vaccines - vaccines starts at 1,200 to 7,000 a session depende sa klase. Kung gusto mo free, hanap ka ng schedule sa health center in your barangay.

3) consumable baby supplies - diapers, wipes, soap

And the list goes on pero yan lang yung ilan sa basics



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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.

[Ronald S.S.]

Guys need your advice for this. Who's offering the best/fair personal loan either bank or financing company. I'm a newlywed guy and we are expecting our first child in a 5-6 months. We decided personal loan since we can't save much in a short period. Hope somebody can give me advice regarding this. Thanks!

Hi nubesuke,

Banks or Financial institutions required a lot of documents, and they will not lend, small amount. Sayang naman ang sobra kung babayaran mo lang ng interest...If you will only use the money for childbirth, better ay pag-ipunan mo na lang.

Regards,
Ronald

[Sarsi]

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?

[nubesuke]

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?

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!

[banger8t]

Firts 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.

[Juancdancel]

Guys need your advice for this. Who's offering the best/fair personal loan either bank or financing company. I'm a newlywed guy and we are expecting our first child in a 5-6 months. We decided personal loan since we can't save much in a short period. Hope somebody can give me advice regarding this. Thanks!

Try 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