Pautang nga po?

[qman]

mga peeps na nasa linya ng accounting o me kaalaman sa pagpapautang.

ano ba ang tamang interest pagka nagpautang ka ng mga appliances or pera. At paano mo mapo proteksyonan ang iyong investment?

Halimbawa me nangutang sayo ng 50K at babayaran ka sa loob ng isang linggo anong kaukalang interes ang pede mong ipatong na hindi mabigat sa nangutang?

or 20K sa loob ng tatlong buwan?

Kung 100-200K naman at babayaran ng anim na buwan?

salamat sa mga sasagot.

[mantoy]

kung ako sa yo pre, kung daan-dang libo din lang ang puhunan eh why don't you just set up a small business and employ some people? kumikita ka na ay nakatulong ka pa sa unemployment problem natin dito sa bansa.

[mazdamazda]

2% interest per month

[the_wildthing]

Di po ako sa Finance or Accounting, pero pag walang collateral or kung meron man ay personal property (anything na hindi real estate), anywhere from 1 to 2% per month. May iba nga diyan rediscount ng check 5%. Yung mga 1-3 weeks minsan considered one month na yun.

Bakit mataas? Kasi mataas din ang risk na hindi ka mababayaran. So they're trying to get as many clients as possible so that if one is in default, kikita pa rin dun sa iba.

Your only protection kung walang collateral or personal property is 1) the capacity and willingness to pay of the debtor, which is why sometimes you do a background check, 2) post dated checks, that if they will bounce, you can slap him with a criminal case, that is if you are willing to go through all the legal hassle, 3) any binding contract which can be enforced by the courts, of course going again through all the legal hassle...

[qman]

how PDC works, is it appropriate if I impose a PDC kahit 2 or 3 linggo ang usapan na ma settle ang utang. Is PDC enough kahit walang collateral?

sa mga abogado naman lets say tumalbog ang tseke ng debtor amounting to 5k na lang. Di ba talo ka rin sa attorneys fee kung sakaling idulog mo sa kanya ang talbog na tsekeng problema mo upang ayusin ito.

[empy]

kapag nagpautang ka ng pera, you are giving up the use of that money for 6 months. how much money are you losing from not being able to invest or gain interest from that money?

now that interest income is guaranteed. obviously if you lend money to a person, you always have the risk of him not paying you back - therefore you must be compensated for that risk. it's a basic principle of finance - i know you're not a bank, but it's still a good rule of thumb.

even for the most stable and trustworthy friend, i would still charge at least 10% if i could get 5% from the bank. if the deposit rates are higher, then i would charge even more.

[the_wildthing]

Yes, ganon ang rediscounting. They give you a check for 50,000 dated x days later, pero you give them 47,500 in cash, netting you 5% on the day the check clears, (we hope).

Yes, talo ka sa attorney's fees. Kaya it's good to spread... Plus most rediscounting outfits I've heard of deal in the hundreds of thousands.

[BlueBimmer]

10% sounds about right especially if it amounts to more than 200k, big risk requires big payback

[shadow]

pare, payong kaibigan sa hirap ng pera ngayon kahit kamaganak mahirap magpahiram...personally, for me walang kwenta kahit na magbigay siya ng PDC kung wala rin naman siya ipopondo sa tseke niya, useless pa rin, ano mag dedemanda ka? matagal na process yun, and then what! in the end nawala pa rin yun pera mo....

[gretzy]

business yan ng pamilya ko finance and load, 5% per month ang interest