Philippine Economy Talk

[papi smith]

3.6844% rate namin this year. 6% the previous year. yung rates daw based on Bloomberg Valuation (1-year).

Ilalabas ko sana para mapakinabangan. Tulog na pera na siya dun eh

Mababa nga, nakakainggit ang mga mayron paraan para mas mapakita ng malaki ang utang.

[tarzegetakizerd]

kung mag tataas ng interest rate ang bangko sentral next year i'm going to say with 100% certainty NO

sa sobra bagsak ng economy natin malabo mag tighten ng monetary policy ang bangko sentral

taon aabutin ang recovery natin

kung may reason magtaas ng interest rate ang bangko sentral yan ay kung magkaroon ng runaway inflation

any information about dun sa bloomberg 1-year valuation? yun kasi daw yung basis nung interest rate pala namin. di ko magets kung ano to eh

[tarzegetakizerd]

Mababa nga, nakakainggit ang mga mayron paraan para mas mapakita ng malaki ang utang.

huh? di ko po gets

[papi smith]

huh? di ko po gets

Haha, sa mga katulad ko na walang negosyo, di ko mapapakinabangan ang loan na yan maski mababa pa ang rate. Eh sabi mo kasi para mapakinabangan mo, iniisip ko pakikitain mo imbis na gagastohin. [emoji857]

[uls]

1 year valuation?

i dunno what Bloomberg is valuing in relation to interest rate

valuation ng PHP against USD?

kasi ang determinant ng interest rate ng central bank is inflation / economy

nasa all time low ngayon ang interest rate dahil kailangan suportahan ang economy (make money cheap para encourage borrowing and spending)



sa itsura ng economy natin malamang matagal di gagalawin ng BSP ang interest rate

kung gagalawin man baka pababa pa

-

depende na sa commercial banks yan kung ipapasa nila ang low rates sa mga client

kung creditworthy ka naman i guess they'll give you low rate

[tarzegetakizerd]

Haha, sa mga katulad ko na walang negosyo, di ko mapapakinabangan ang loan na yan maski mababa pa ang rate. Eh sabi mo kasi para mapakinabangan mo, iniisip ko pakikitain mo imbis na gagastohin. [emoji857]

hahaha ililipat ko lang sana sa mas mataas ang expected returns kaysa sa interest rates ng loan. O kaya sa stocks since tulog na ipon. Bale kasi pera namin yan 10% kaltas sa sahod, tapos may 1-time interest, tapos nakatago nalang siya dun. Pwede namin ilabas through loan, withdrawal (pero di lahat), or pag nag-resign na.

[uls]

huh? di ko po gets

maganda ung opportunity na maka avail ka ng loan na mababa ang interest rate

coz kung meron ka paraan para palaguin, malaki margin mo coz magaan lang bayaran ang loan

like kung meron ka paraan para kumita ng 10% gamit ung loan na 3.68%

[tarzegetakizerd]

1 year valuation?

i dunno what Bloomberg is valuing in relation to interest rate

valuation ng PHP against USD?

kasi ang determinant ng interest rate ng central bank is inflation / economy

nasa all time low ngayon ang interest rate dahil kailangan suportahan ang economy (make money cheap para encourage borrowing and spending)



sa itsura ng economy natin malamang matagal di gagalawin ng BSP ang interest rate

kung gagalawin man baka pababa pa

-

depende na sa commercial banks yan kung ipapasa nila ang low rates sa mga client

kung creditworthy ka naman i guess they'll give you low rate

ahh fixed rate kasi kami eh. may ibibigay na interest rate every year, yun yung susundin, tapos every 6 months pwede irecast.

[jut703]

If you lock the 3.8% rate now, pwede ba 5 years loan na 3.8% ang rate? Or mag aadjust next year?

It already happened with me - my year 1 interest rate was only 4.75%. Pagdating ng year 2 naging 8%. Had a long nego with the bank but nababa lang nila to 6.88% for 5 years.

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[papi smith]

Every 6 months daw ang rate adjustment, if that's what he meant by recast.

[tarzegetakizerd]

If you lock the 3.8% rate now, pwede ba 5 years loan na 3.8% ang rate? Or mag aadjust next year?

It already happened with me - my year 1 interest rate was only 4.75%. Pagdating ng year 2 naging 8%. Had a long nego with the bank but nababa lang nila to 6.88% for 5 years.

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May defined rates na for 1-year, 2-year, up to 5 year loans. kaya pwede na i-lock-in yung low interest.

[yubby24]

Any news regarding Security Bank having a bank run? Pull out ko na raw pera ko sa kanila dahil nagpupull out na daw mga investors nila sabi ng sister-in-law ko. How true is this? Ayaw ko sakyan yung pagpapanic nya. Wala naman akong nakitang malalang news aside from this one.

[uls]

1 year valuation?

i dunno what Bloomberg is valuing in relation to interest rate

valuation ng PHP against USD?

kasi ang determinant ng interest rate ng central bank is inflation / economy

nasa all time low ngayon ang interest rate dahil kailangan suportahan ang economy (make money cheap para encourage borrowing and spending)



sa itsura ng economy natin malamang matagal di gagalawin ng BSP ang interest rate

kung gagalawin man baka pababa pa

[ice15]

Any news regarding Security Bank having a bank run? Pull out ko na raw pera ko sa kanila dahil nagpupull out na daw mga investors nila sabi ng sister-in-law ko. How true is this? Ayaw ko sakyan yung pagpapanic nya. Wala naman akong nakitang malalang news aside from this one.

As far as I can remember. Very few people will know if the bank is having a bank run

Next news na lalabas is if the bank is closed

[Monseratto]

PH seen to fully recover from pandemic only by end of Duterte’s term | Inquirer Business

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[uls]

PH seen to fully recover from pandemic only by end of Duterte’s term | Inquirer Business

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you know the economy is really bad when the central bank had to cut rates again

[Monseratto]

Century-old Manila school to close doors in 2022

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[kagalingan]

^
nung late 90s yan ginagamit ng mga pokpok para mapickup agad.

nakakaentice kasi yung uniform

[baludoy]

budget for bsp p.r. campaign is through the roof as indicated by the graphics in the article. the writer even insinuated that there was money set aside for a trolling station.

BSP corporate affairs manager Elisha Lirio has not responded to queries sent to her on Friday (Nov. 20) on the cost of the BSP logo and the agency that bagged the contract.

Lirio has also yet to comment if the budget for a social media buyer was for a troll farm.

BSP budgets P52.5M for new logo | Bilyonaryo

[uls]

^
nung late 90s yan ginagamit ng mga pokpok para mapickup agad.

nakakaentice kasi yung uniform

ung mga school sa mendiola area (holy spirit, ceu, la consolacion etc)

madami dorm sa area

naalala ko dati tuwing weekend madaling araw dami nakaporma kotse naghahatid sa mga chix sa mga dorm