About Loans and Credit checks

[crisxahia]

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Hi fellow istoryans, ngayo lang unta kog advise from all established businessman ug businesswoman diri.
It's our constant dream to venture into business one day and not just focus on our current jobs
which for us are not really the answer if ganahan mi mo asenso in the near future.

We don't have that much of a savings, we only have like a small saving acct na wala ra
gani kaabot ug 50K. We looked for options but ending w/ only one.. to apply for a Loan.
Naa na mi plano unsa amo i.start ug negosyo, but the minimum capital to start is around
250-300K. We cannot think of any way to get the money but mo loan sa banko.

Now this is what I dreaded most since naa man gud ko credit card sauna sa bago pa ko ga work.
Nya tungod sa nabag.uhan lagi kay swipe2 lang, I ended up nga nalubong sa utang.. So to make the
story short, I became a delinquent payee and I ended up canceling my credit card and paying the remaining
balance in a way that ma afford ra nako. Pag balhin nako ug work, na bayaan nko akong obligation na
bayaan tong akong remaining balance.

Karon pag apply nkog loan sa mismo nga bank nga diin naa mi existing savings acct sa ilaha, na deny
ang loan. Its very disappointing considering its the only option we have in realizing our dream to start
our own business. I very well know na na sangit dyud tong akong application sa credit check na ila
gi conduct sa akoa. Naa pa ba kaha koy chance ani nga maka loan or is there any way of getting pass
this credit check thing, my gf karon dili pa man sad maka apply ug loan kay bago pa man siya naka
start ug work, wala pa gani 1 year.

Help mga brod and sis, need advise..

[juNexbOyz]

try sa Chinatrust sis... naa man cguro dghan loan agents diri

hope maka loan mo and start your dreams...

[pogy_uy]

history do repeats itself

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[Dynamics_2010]

all bank loans will have to go through credit checking and sad to say if your name is already in the BAP negative list, murag dili jud ma approve imong mga loan applications unless you can present a Bank Clearance from the bank stating that your credit card account has been fully settled with them, Pero it seems wala man nimo ma- settle. It seems it's a dead end for you at this point.

Pero dont be too sad, kay if you opt to do so..go to Cebu CFI Community Cooperative Capitol Compound, make some inquiries, attend their membership seminar then pwede ka pa - member didto.
If member na ka, i think they require you to make a minimum fixed deposit. Then you can loan, twice or thrice your deposits. No questions asked.

They have also what they call, Provident Fund loan where you can make a loan up to 3 million pesos depending on your collateral. The interest in effectively 12.50% p.a. No credit checking is done on your credit card background. So murag malipay na ka ani kay dili na man ka malibalibaran if your worry is your credit checking thing. If dna ka loan sa banks ad2 nalang ka sa Coop. mejo small time pero at least you're not totally hopeless as to obtaining funding for your business..

But make sure before ka mangutang, you have already thought of properly about the business you will be getting into.

good luck to your venture.

[emb_ventures]

all bank loans will have to go through credit checking and sad to say if your name is already in the BAP negative list, murag dili jud ma approve imong mga loan applications unless you can present a Bank Clearance from the bank stating that your credit card account has been fully settled with them, Pero it seems wala man nimo ma- settle. It seems it's a dead end for you at this point.

Pero dont be too sad, kay if you opt to do so..go to Cebu CFI Community Cooperative Capitol Compound, make some inquiries, attend their membership seminar then pwede ka pa - member didto.
If member na ka, i think they require you to make a minimum fixed deposit. Then you can loan, twice or thrice your deposits. No questions asked.

They have also what they call, Provident Fund loan where you can make a loan up to 3 million pesos depending on your collateral. The interest in effectively 12.50% p.a. No credit checking is done on your credit card background. So murag malipay na ka ani kay dili na man ka malibalibaran if your worry is your credit checking thing. If dna ka loan sa banks ad2 nalang ka sa Coop. mejo small time pero at least you're not totally hopeless as to obtaining funding for your business..

But make sure before ka mangutang, you have already thought of properly about the business you will be getting into.

good luck to your venture.

very informative post

[bookee]

all bank loans will have to go through credit checking and sad to say if your name is already in the BAP negative list, murag dili jud ma approve imong mga loan applications unless you can present a Bank Clearance from the bank stating that your credit card account has been fully settled with them, Pero it seems wala man nimo ma- settle. It seems it's a dead end for you at this point.

Pero dont be too sad, kay if you opt to do so..go to Cebu CFI Community Cooperative Capitol Compound, make some inquiries, attend their membership seminar then pwede ka pa - member didto.
If member na ka, i think they require you to make a minimum fixed deposit. Then you can loan, twice or thrice your deposits. No questions asked.

They have also what they call, Provident Fund loan where you can make a loan up to 3 million pesos depending on your collateral. The interest in effectively 12.50% p.a. No credit checking is done on your credit card background. So murag malipay na ka ani kay dili na man ka malibalibaran if your worry is your credit checking thing. If dna ka loan sa banks ad2 nalang ka sa Coop. mejo small time pero at least you're not totally hopeless as to obtaining funding for your business..

But make sure before ka mangutang, you have already thought of properly about the business you will be getting into.

good luck to your venture.

very well said!!!

[rambutan]

what if, imu partner ang mu loan? if pasado xa sa qualifications, payts! solved ang problem.
pero re sa imu cc, settle it first, specially nga naa nka sa "black list"..
or sakto to giingon sa usa nga mga coop pang huwam. or sss. hinay hinay lang. masolve ra na.

[bookee]

what if, imu partner ang mu loan? if pasado xa sa qualifications, payts! solved ang problem.
pero re sa imu cc, settle it first, specially nga naa nka sa "black list"..
or sakto to giingon sa usa nga mga coop pang huwam. or sss. hinay hinay lang. masolve ra na.

marag dili pa man pwede iyang partner mo-loan coz as what he've said bag-o pa nagstart ug work iya gf. usually at least a year man na sa current work ang one of the requirements... 2 years if sa call center nagwork.

in addition, i dont think u can loan that much money thru salary loans, unless of course grabe kadaku na gyud imong sweldo in the first place... sa akong nahibaw-am lang ha, a call center agent with abt 15k salary kay around 30k+ ang ma-loan sa chinatrust... if dili BPO ang magrange ug 25k-35k salary kay around 75k-100k ang maloan.

ask lang ko sa threadstarter.... dili madala nga mahinay-hinayan ug sugod ang business nga u have in mind with the money u have at hand?