Manila, Philippines
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Category: Personal Loans

meralco bill shocked

Shocked with your Post-ECQ Meralco Bill? Check Your Meter, Pay In Installments

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The increase in Meralco bill is to be expected, as more people stayed at home during ECQ. The bill can be paid in installments.

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Loans and Card Payables After the ECQ: How Much Will I Pay? What Are My Payment Options?

Loans and Card Payables After the ECQ: How Much Will I Pay? What Are My Payment Options?

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The final official answers on how much and when to pay loans and cards payable after the ECQ will come from your lending bank or card issuer, but we can offer you some general guidelines based on the Bayanihan Heal as One Act which the lenders are required to follow.

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4 Ways To Relieve Money Stress

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Like it or not, money is something that affects almost everything we do, and with a specific income, we try to manage our finances as best we can. Of course, we are all unique, especially in the way we respond to things, and for some, to be in debt is a very stressful experience. There’s…
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How to Finance Your New Business

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If you have always wanted to work for yourself, now is the time to pursue your new business venture. You deserve to do something you are passionate about, make good money, and be your own boss.  As exciting as all that sounds, it can be difficult to obtain the funds you need to get started.…
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home loan repricing

Ask Geri: Bakit Lumaki Yung Bayad ko sa Home Loan Dahil sa Repricing? Aakyat pa ba ang Interest Rate ng mga Home Loan?

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Hi Geri, Katatapos lang ng repricing ng home loan namin. 1-year repricing kasi kinuha namin last year. Pero tumaaas ng higit P1,000 yung buwanang hulog namin ngayon. Bakit ganun? 🙁 -MTR *** Hi Geri, Malapit na kami mag-avail ng bank financing para sa condo namin na for turn-over na. Para saan yung repricing? At ano…
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DTI P3 Pondo sa Pagbabago Pag-Asenso Guidelines

DTI P3: Affordable Loans for Small Businesses (5K to 100K)

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Need a small loan for your business? P3 might be the business loan for you! Launched by DTI, P3 presents a viable alternative compared to loan sharks / 5-6. Lower rates, fast processing, borrow up to 100K.

Text Message from Banks About Credit Information Corp (CIC)

Text Message from Banks About Credit Information Corp (CIC)

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If you have a credit card or an existing loan with a bank, you probably got a text message similar to below. Bank branches are also decorated with announcements with regards to data submission.

4 Ways Customized Accounting System Can Make Your Life Easier

Ask Geri: True Cost of Borrowing (Part 2): Diminishing Balance Amortization

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Not all loan providers offer this option. But from time to time I encounter this option especially for mortgage / home loans. If Juan is presented such an option and s/he can afford the amortization using diminishing balance, s/he should go for it to save some more on interest payments.

Is It Worth It? 5 Things We Learned About Real Estate Hunting

The True Cost of Borrowing We Don’t Care Much About

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Juan doesn’t pay much attention to the cost of borrowing. He cares more on the monthly amortization (short-term thinking) rather than the total costs involved (longer-term thinking) And that costs Juan much. Ouch.

10 Other Business Risks You Must Know

Ask Geri: Should I Take Out a Loan to Finance a New Business Venture?

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In funding major expenses such as a home improvement or getting car, tendency is to take out a loan rather than deplete Juan’s savings. No monetary return (i.e. actual cash inflow) is expected from a much improved home or new car (except for appreciation in property value and net worth) but Juan is still willing to get a loan as long as he can pay for the amortizations. What more a business wherein there is a chance, no matter how small, of a monetary return.

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