r/HomeCredit

Hello I managed my mom's home credit account and my brother has an ongoing loan for his cellphone he pays that installment without my mom's help. I'm a student the laptop that I'm using is so laggy I really need to replace it and I will be paying that installment. Is it possible to have 2 active installment products?

Hi guys pa help sa kung may alam jan ayoko na mag pa ulit2 don sa store dahil baka kulangin nanaman yung down payment. Sa home credit account ng papa ko yung offer for installment is 18k po tas yung laptop na kukunin sana namin is tig 45k sakto lang ba ang down payment if 25k lang? Nung last kasi 30k yung offer sa account ni papa tas need daw 25k downpayment kasi di daw sila tumatanggap ng 15 months payment or may sinabe sila na di daw aabot yung downpayment kesyo magkaka interest na daw kaso nakulangan kami ng down payment noon kaya ngayon ng nagka pera pag bukas ko ulit ng app naging 18k nalang yung offer for installment sa app pwede pa kaya tong 25k for downpayment diko na alam gagawin nakakahiya na mag pa balik2 dun sana may maka help huhu

Hello! M Student here!

It's my first time using HC and I'm planning to loan for a new IOS Phone. I got 55K Loan Credit and the Phone I want to get was around 20k plus. I am saving up around 10k if kaya for down payment. Now, I want some advice po if it's worth it?

Thanks puu!!

hi, everyone anyone here na legal action sa home credit. i have 2months left sa knila then d ko ma open ung account ko kasi nagpalit ng phone:

anlaki ng interest i asked them if they can offer me reconstruction montly payment . kaso need daw mag pay muna is it true?

Hello, everyone! I’m 26 years old and currently working as a casual government employee. I’m planning to apply for a home improvement loan amounting to ₱200,000–₱250,000, payable over 3 years. My monthly income is ₱30,000+.

However, I don’t have a payslip because our government office does not issue payslips to casual employees. I only have my COE and valid IDs, including my PRC ID.

I recently tried applying for a loan with SB Finance, but they require a payslip.
That’s why I’m posting here to ask if anyone knows of a bank or legitimate lending company where I can apply using a COE/CEC instead of a payslip.
Any recommendations or advice would be greatly appreciated. Thank you!

Hello Good day any experience here na worth 20k na item ang kinuha mo tapos finance nila ay 25k na 24 months to pay na mag total na almost 51k something fishy po pakisagot po sana maaus ko contract ko

May home credit ako last year na maaga kong finull payment just last night. Today, I received 3 offers: Cash Loan, Credit Card and another installment for gadgets.

Auto-approved ba siya? Which one is better po?

Hi OPs, may 2 kasi ako cash loan sa Home Credit. Nawalan kasi ako ng work ano kaya best strategy kasi wala pa ako pambayad sa monthly? Thanks po

I have an offer from Home Credit na gagamitin ko sana to buy Iphone 17 promax. Kaso, it was declined with an error message "phone lock protection" something daw. Since they can't bypass Iphone's security, di daw nila malalagyan ng phone lock (if di nagbayad ng dues) ang Iphone unlike android. Ang remedy is bili daw muna ako ng ibang product like appliances or android devices para mawala and may possibility na mas tumaas pa offer sakin. Ask ko lang if true ba. Thank you!

Hello,so my mom recently bought an Iphone 15 this week and when we went to the store we were already greeted by home credit. At first my mother wanted to pay full cash since kaya naman namin bayaran lol. Kaso nahiya mother ko since we were already assisted by the staff. The original price of the Iphone was 38k+ but we have to p 48k+ sa home credit so na guilty ako kasi super mahal when I could've bought a higher storage Iphone than this 😭 Can I cancel the loan ? I wanna talk this out with my mom since mahal din tuition ko on my college, Thank you !

Hello. I am planning to buy an Iphone17 before mag increase ng price. How much do you think ang monthly payment ko, if I can provide a 20-25K na downpayment? I am aiming for at least 0% interest without the insurance and add on fees.

Mas maganda ba sa store ng authorized apple store mag-inquire? Thanks