Plans for Growth and Services on Home Credit's 8th Anniversary

Businesses and people have been forced to grow their digital presence in the country. The pandemic changed how products and services are procured and access to it used to be hard, but things have definitely changed when HOME CREDIT arrived in the country.

This year, they're celebrating their 8th year in the Philippines. They started in 2013, where back then, they could provide loans to Pinoys who have little to no credit history so they could purchase appliances, gadgets or electronic products and pay for it at a later date. Home Credit started in malls and I distinctly remember how they held launches in actual appliance centers for people to become aware of it. These days, they have gone the digital route and got the My Home Credit App available in the Google Play Store. These days, they have a one minute approval after submission of requirements, which I think is the fastest. They do it in partner retail stores in the country (and I've seen their booths in SM Appliance Center where I live). The My Home Credit App also has those products in app so it would be easier for you to get it, apply for loans too when you need it. You can buy now, then pay later, which would be huge help especially if you're managing your finances.

They also have made payments easy using a new service they call QWARTA. If they pay for it that way, there will be no additional cost and it'll be easier to pay via QR as well. The app also has load available, so if you're in one of the multitude of networks they have listed, you won't run out of ways to get voice or data packages offered by telecom networks. You can also pay for bills of over 300 mercahnts nationwide including partner brands. They also have discounts, so there's really no reason why you wouldn't try it out. They are also continuing financial literacy as their mission. As what their CEO David Minol said, "Our goal is to offer and be your partner in overall financial needs. We have been continously innovating to meet the demands of the Philippine market and we're proud of it."

Home Credit will be announcing their 8 Millionth customer in the next few weeks so make sure you visit their site homecredit.ph and their Facebook page HomeCreditPH if you want to pick up news about it. They will also have other upcoming promos and announcements, so might as well right? I'd like to take this bit to thank the good people of Home Credit Philippines for having us during their event, congratulations on your 8th year!

Let’s Talk About Dreams and Your Valuable Time

Do you every dream owning your own home?

I do, but in this day and age, it’s just so difficult to fund your dreams, and sometimes you just feel it’s impossible. I have never lost hope because I don’t really have much dreams for myself, but more of for my loved ones who I feel deserve the best life can offer.

Being a blogger at this day and age isn’t easy. One whole day could mean I’d have to cover 4 events that take around 3-4 hours to do, to be in different locations in Metro Manila, then add to that the commute I’d have to endure from Quezon City, to Makati, to BGC and back - almost everyday just to keep you guys updated about the latest happenings in the metro. Who wouldn’t be insane with that kind of schedule then meet deadlines, people who ask favors plus providing for your own home. You would have learned that it would’ve been better if you lived nearby these cities than be pained to use public transport that is just as inefficient as ours in the country, many would’ve just given up just with the hours. Imagine how many hours I’ve wasted in traffic, just like any Filipino for that matter.

Nowadays, getting a loan in banks takes so long - and with the long hours I spend going to events and publishing them online, how in the world could I even breathe and consider making that huge step of getting a home loan for my family? Can you imagine what that would do in other usual banks? With the amount of time you sometimes need to get decisions, you’ll also lose the ability to secure that dream home, condominium or spot you’ve always wanted. I wouldn’t have known that there’s a better way to do it, saw online that PS Bank could actually approve loans in just 1 day!

Knowing that, I’d have to ask you now, what can you do in one day? I could write about 4 stories, drink 2 large cups of coffee, attend one event perhaps... PS Bank on the other hand could decide not just a loan, but your whole future. They are in the industry that helps, imagine how many families they would be able to get their own homes just because they’ve decided on it fast - how many properties can they choose with their realtors if that happened? Your guess is as good as mine. If it’s more efficient, you’re given a far better alternative than those banks that take ages to approve, I’d take their word for it.

They are a part of the well experienced Metrobank group, a solid banking corporation in this side of the globe. Try giving them a call or visit their website https://www.psbank.com.ph because it’s all there. My dream might become a reality because of it, give it a go!

No wasted time, that is priceless!

KUMAGCOW

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Home Loans In One Day: It’s Possible!

Everybody dreams of their own home, I know I do. In the eve of high inflation rates, unavailability of cash, we all wonder how other people do it. Why is it easy for them to have loans from banks and why is it faster for them to actually get one while your bank is still taking months, maybe years to even approve papers. Are you already getting confused? Are you at your wits end? Maybe it’s not you, maybe it’s your bank.

Banks these days are so strict, when you’ve got all the requirements and funding to back it up, why all the fuss? why all the delay right? Imagine all the wasted time involved when you only wanted to have your own home. Now don’t you worry, because I heard it’s possible now with one of the country’s best Philippine Savings Bank (PSBank).

You see, PSBank has been in the industry for years and they are the consumer banking arm of the Metrobank Group so that at least assures you of good consumer practices and proper funding. They now have a policy of a 1 day credit decision on home loans if you are purchasing new condominium units or properties from their accredited developers. Now that is just unprecedented in the Philippine banking industry so just imagine how much help that would make for prospective home buyers across the country. PSBank’s SVP for their Marketing Group says “We have streamlined our own internal evaluation processes so our banks could decide on home loans as fast as possible. We want to make it quick and simple for all our customers so if you are planning to get condo units or properties from our accredited developers which includes Federal Land, SM Development, DMCI, Megaworld, Rockwell, Ayala Land Premier, Avida Land, Alveo, Amaia and a lot more (others listed on their website). This is our promise.”

Aside from that, they have perks for those who would want to pay in advanced as they have equivalent rebates for it. They also have very flexible terms so for those who want something easy on the pocket, all you gotta do is ask. You can even do payments online or on mobile, you can also pay through post dated checks, over the counter method or Bancnet capable machines nationwide.

Now don’t fret if the condominium or house unit isn’t on the list because if that’s your case, you’ll be still viable for their standard 5 day process. Approval will be sent via sms and this also applies to new home loans, house and lot, duplex, townhouse, vacant lots or small to medium construction. They have been doing this kind of approval for Auto Loans too and if there’s one thing you should try, give your neighborhood PSBank branch a visit and make your dreams come true!

Give it a try!

KUMAGCOW

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