Home Credit Loan

Good day! Need ko lang po advice.

Nagcash loan ako sa Home credit worth 77k.. First 4 months maayos ako nakahulog then nagkaroon ako ng financial prob. So mga 5months di ako nakahulog. Syempre si home credit normal, hahanapin ako. Then this month naging ok n ako. Nag start uli ako ng pagbayad ng monthly. Actually, sobrang laki ng interest ni home credit.. As in. Im planning to pay the ng 60k ng isang bagsakan kasi may tutulong sa akin. Tanong ko, okay na ba na binayaran ko na ang principal, di ko na kinonsider yung interest rate? Kasi kumita na sila sa firat 4months ko, then ibabalik ko na yung hiniram ko, sobra pa. Bale 77k minus almost 16k, yung remaining yon ang babayaran ko. Pero kung susundin yung monthly installment nila, nasa 100k dapat ko bayaran. Any advice? Thanks

It depends if Home Credit is amenable in waiving the interest fee, but an interest rate is usually part of the business of lending money. It is also assumed that you agreed on said interest rate since you are paying the debt on time naman before your financial problem occurred. That is a valid contract of loan, unless there was fraud and intimidation on Home Credit's part (which you have to prove in court).

How much is the interest rate? You may want to go to the PAO to seek legal advice regarding your case, if there is merit in filing a case in court to lower the interest rate of your Home Credit Loan.

gudpm po,tanong q lng po nagcash loan po aq sa home credit ng 60k tpos po 3k+ monthly nakailang buwang bayad lng po aq bale ang total po nia is 120k for 2 or 3 yrs.tpos un nagtxt skin un homecredit na kailangan qng bayaran un remain balance ng 98k+,saan aman po aq kukuha ng ganung kalaking pera.ask q lng po qng sakali nagkausap kc nun collector na ndi q po masesettle un amount na magsasampa po sila ng civil case?tama po ba?rpos qng ndi po kmi nagkasundo korte na po ba ang bahalang magdecide qng magkano at paano q babayaran un utang q tama po ba?nanatakot lng po kc aq na baka may kulong un?meon nga po ba?aq lng po kc kmikita sa bahay.iisang anak at senior na po preho parents q.magkakarecord po ba un sa nbi?sana po masagot nio un tanong q.slmat