r/phfinance

▲ 3 r/phfinance+3 crossposts

LF Private Lender

hello poo magbabakasakali lang po ako dito anyone can lend 15-20k or someone na may offer sa gloan/spay/mariloan na pwede ko gamitin huhu can pay poo on 1st wk - 2nd wk ng September badly needed lang po for tuition ng kapatid huhu kahit sa inyo na po yung rebates after ko i fully paid agad

Can send any requirements po na you needdd please send a dm or comment po sa post na ito please please po

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u/elizabet_059 — 22 hours ago

How I earn 6 digits

Forex trading has truly changed my life in ways I never expected. Dati, hindi kami financially well-off, and one of my siblings also went through a serious illness. During those difficult times, hindi ko talaga in-expect na Forex would eventually become part of my journey toward financial growth.

Now, I’m grateful na I’m earning a six-digit income through my own efforts, on top of the salary I receive from my work. It taught me the importance of discipline, patience, consistency, and knowing how to manage my money wisely.

I just hope na tuloy-tuloy pa rin ang blessings and opportunities, so I can continue to grow, earn more, and start saving for one of our biggest dreams, owning properties in Metro Manila.

Hindi pa ito ang finish line. This is just the beginning. 🙏✨

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u/Hungry-Wrongdoer8486 — 2 days ago

Savii Final pay + current payments = over payment , help for this

Hello mga ka OP ! I'm already resigning and start rendering to my current employee with a savii loan amount 132,000 started March 2026 and paid already as of the current August 2026 = PHP 63,710.57 and total amount to be paid should be 208,507.55 with 5791.18 semi monthly for 18 months. My Final could be in the October 2026 110,701.807 estimated as they will deduct all of the proceeds on it with the savii loan. Since my loan amount only was PHP 132,000 with current payment as of August 2026 = 63,710.57 then 132,000- 63710.57=68289.43 then, my final pay was total of 110,701.807.

Balance was 68289.43

Final pay could be 110,701.807

110,701.807 - 68289.43= 42,412.377- this can be refunded or still i Owe money to them as this was started March 2026 with 18 months payable semi monthly.?

Please enlighten me thanks at everyone.

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u/Tough-Foundation9433 — 2 days ago
▲ 2 r/phfinance+1 crossposts

Atome Cash Loan Reversal

Hi,

So I mistakenly applied for Atome Cash loan amounting to 48k and it was immediately disbursed to my bank account.

I already contacted Atome Support via email for reversal and they told me to follow the repayment instructions in the system. Their support really sucks.

May naka experience po ba ng ganito? How should I handle this? The interest is so high amounting to 68k for 6 months.

Thanks

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u/This-Twist-7359 — 3 days ago
▲ 4 r/phfinance+2 crossposts

PAGIBIG MPL GRANTED. Parang mali yung total interest if the monthly amortization will be computed for the whole term

Hi! Gusto ko lang maliwanagan sa recently approved MPL ko sa PAGIBIG. Here’s the details

Total Loan Granted = 30,144.32
Loan term = 36 months
Monthly amort (as per PAGIBIG website) = 1,114.41

So 1,114.41 x 36months = 40,118.76

40,118.76 - 30,144.32 (principal amount) = 9,974.44 —— total interest?!!!!

My question is, diba 10.5% p.a. diminishing balance ang computation dapat ng monthly amortization ko? It seems to me be that nakafixed rate yung interest nila yung per year which doesn’t make sense. Sobrang laki ng interest ko for the whole term considering ganyang amount lang yung hiniram ko. Mas malaki pa sila kesa sa ibang banks.

Mali lang ba ako ng intindi? Or may mali talaga dito? Chineck ko rin yung MPL calculator ng Sweldong Pinoy website, 5,127 lang yung computed na total interest na nacompute for a 36 months term.

Enlighten me please. Sobrang naguguluhan ako, at the same time nagulat ako sa laki ng interest ng niloan ko.

u/Right_Review4667 — 3 days ago
▲ 4 r/phfinance+2 crossposts

LF: E- Loan

Hello! Meron po ba e loan or lending company na my alam dito gusto ko sana ma consolidate ang utang ko need ko kasi 150k para maka bawi2 kahit long term
At maka bangon ulit at maka bawi willing ako mag provide ng mga requirements salamat po

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u/Large_Cobbler_7725 — 3 days ago
▲ 9 r/phfinance+1 crossposts

SLOAN VS SPAY

Hello everyone, hihingi lang po ng advice. Meron po ba dito na katry na ma OD ang SLOAN but continuous payment padin for SPAY? I'm financially overwhelmed na kasi and ayoko na mag tapal system. I'm planning to pay muna my spay and isunod ang sloan. Yung spay ko kasi is until October nalang naman and ang monthly ko is 4k while ang sloan ko is hati kami ng sister ko kaso hindi siya makapagbayad kasi umuwi na siya from abroad and as of now wala siyang work. Ano po kaya ang pwede kong gawin?

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u/Guilty_Cat7391 — 4 days ago
▲ 3 r/phfinance+1 crossposts

Looking for 20k

Willing to pay by August 28 willing to add 5k interest. Earning 90k+ monthly. Badly needed 🥺 Thank you!

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u/GeneEither6679 — 4 days ago
▲ 4 r/phfinance+2 crossposts

Savii

Hi, 3 months palang ako sa company and I want to loan in savii, salary loan, and when I apply they offered me 74k. Is it possible na ma approve sya? Thank you sa answer!

reddit.com
u/New_Town8370 — 3 days ago
▲ 8 r/phfinance+3 crossposts

LOOKING FOR LOAN 150k

Willing po mag provide ng mga requirements
To settle my other balance po para maka balik ako ulit sa maayos pag sisimula ng business

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u/Large_Cobbler_7725 — 5 days ago
▲ 5 r/phfinance+5 crossposts

Survey on banking habits in the Philippines (15 mins, Php 500.00 cash raffle for participants)

Hi guys! We're running a short study on how Filipinos feel about banking. Not trying to sell anything and no wrong answers here, so for anyone aged 18 and above who has a bank in the Philippines, this is for you. We just want to know about people's real experiences and honest opinions.

The survey takes about 10-15 minutes. Some questions are quick and others are more detailed.

As a thank you, everyone who completes it can enter a raffle for Php 500.00 and GCash numbers will be collected at the end of the form so that we can contact winners and send them their cash prize.

Would appreciate anyone 18+ in the PH willing to share their time and thoughts — TIA!

u/TicklishOctopus — 4 days ago

SB esalad hold

Hi. Need help about this hold from esalad SB. How long nila usually nirerelease yung hold? Before kasi 2 days lang wala na yung negative and binabalik yung salary deposited. Hindi kasi din lumalabas sa deducted yung salary sa OB

u/Kindly-Initial6646 — 6 days ago

SB Esalad

Hello, automatic po ba papasok or ma c-credit yung amount sa bank ko or may is-send pa silang text kasama ang interest bago ma credit pag nag send ako ng amount na gusto ko.

Sa mga naka-avail na po, patulong ng sagot. Thank you po

u/notausername7123 — 6 days ago
▲ 2 r/phfinance+1 crossposts

ACDD TAX

sino rito bumayad na ng 25% tax? how is it going so far? does this happen every month? or ngayon lang?

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u/lala3126 — 11 days ago

Skyro pre-approved

Helloww po, got pre approved by skyro just now huhu up to 55k daw with no downpayment. But they gave me a qr so I need to go to a skyro branch and theres also a 30 day deadline😭😭😭

Is it worth it po ba(oa para bang maaapprove for sure) ttyyssmm pooo

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u/Personal-Celery-9443 — 7 days ago

savii

hi. our company recently partnered with SAVII. ask ko lang po sana if the per “payroll” payment is kada cut off? or monthly po ito na madidivide by 2? I just checked it out for back-up lang. para may idea na ako when (wag naman sana kailanganin), need to take a loan.

getting mixed reviews na super high ng interest sa savii. di ko lang sure if the reflected “per payroll” is per month divided by 2 or per cut off.

thank you!

reddit.com
u/Conan_444 — 10 days ago

Esalad Ongoing for Resigned Employee

Hi ask ko lang if possible ba na hindi madeduct sa back pay yung ongoing loan with Esalad? Plan ko kasi sana na separately nalang ako mag babayad instead na ideduct sa last pay ko. Based kasi sa mga nababasa ko parang yung buong pay is yun pinapang settle sa remaining balance. Ano ginawa niyo? Di pa kasi nag rereply sakin sila about sa query ko. Salamat 😊

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u/Business_Jicama_8059 — 10 days ago