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Thursday, December 03, 2020

Mga Dapat at 'Di Dapat Gawin Sa Pag-A-apply ng Loan!





Kaliwa't kanan ang ina-alok na loan o pautang ng mga bangko, lending institution maging ng mga government financial institution sa ngayon dahil sa krisis na dala ng coronavirus disease at ng iba't-ibang kalamidad sa bansa.

Dahil dito marami ang nahihikayat na mag-apply ng loan bilang isa sa pinaka-mabilis na solusyon sa panahon ng pangangailangan o kung may isang bagay na nais mong bilhin ngunit kulang sa pera gaya na lamang ng bahay o lupa.

Ngunit laging tandaan na hindi lahat ay may oportunidad na makapag-loan dahil sa mga requirements na kailangan isumite. Pinagbabasehan din sa loan ang iyong credit record at loan terms.

Narito ang mga bagay na dapat at hindi mo dapat gawing kung ikaw ay nagpaplanong mag-apply ng loan.

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1. Alamin ang purpose ng loan.

Importanteng alam mo kung saan mapupunta ang loan mo. Pandagdag ba ito sa pinaplanong bahay? Pang-kapital sa maliit na negosyo? Pambili ng motorsiklo o sasakyan?  Pang-gastos sa bahay na nasira dahil sa bagyo, pang-tuition ng anak o perang pang-gastos sa bakasyon? 

Bago mag-apply ng loan, siguruhin munang may mabuting bagay itong mapupuntahan para hindi masayang — dahil ang loan ay isang utang na iyong babayaran.

2. Ikumpara ang mga loan na pagpipilian.

Masasabing simpleng desisyon lamang ang pag-apply ng loan, ngunit may malaking epekto ito sa buhay mo sa hinaharap. Halimbawa sa ngayon, kapwa may ina-alok na calamity loan ang Pag-IBIG Fund, Social Security System, at GSIS. Bago mag-apply ng loan sa alinman sa mga ito, ikumpara muna ang kanilang interest rates, loan amount na makukuha mo, payment terms at iba pang serbisyo bago mag-desisyon.

May mga loan din na kailangan ng co-maker o co-borrower. Sa ganitong uri ng mga loan, mag-ingat sa pagpili ng partner.

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3.  Huwag magsumite ng maraming loan application nang sabay.

Ang pag-apply ng loan ay hindi kagaya ng raffle na "more entries you send, means more chances of winning". Laging tandaan na tuwing mag-a-apply ka ng loan, nalalaman ito ng credit rating organization. Sa prosesong ito, ina-alam ng mga lenders ang iyong credit history. Dito nalalaman kung nakapag-sumite kaba ng loan applications sa ibang financial institution at kung maayos mo ba itong nabayaran.

Kung nakita nila na tinanggihan ka na ng ilang beses, malaki ang posibilidad na mare-reject din ang loan application mo.

4. 'Di dahil kapwa ina-alok, kapwa mo ring a-aplayan.

Huwag din mag-sumite ng loan application ng sabay maging sa mga government financial institution gaya ng Pag-IBIG at SSS.

Halimbawa ulit ay ang SSS at Pag-IBIG na kapwa nag-aalok ng salary o calamity loan sa ngayon. Laging tandaan na hindi libre ang loan na pagkatapos mong natanggap ang pera ay wala ka nang obligasyong magbayad. Kung dalawang loan ang inaplayan at na-aprobahan, dalawa din ang kaltas sa buwanang sahod.

5. Isiping mabuti ang loanable amount.

Magkano ba ang kailangang pera? Kailangan ba talagang i-maximize ang loanable amount na ina-alok ng isang financial institution? Kung P15,000 lamang ang perang kinakailangan, pag-isipang mabuti kung ganitong amount lang ba dapat ang uutangin o kailangang tanggapin ang maximum na loanable amount na ina-alok sa iyo. Laging tandaan na ang loan ay may interes. Mas malaki ang loan, mas malaki ang interes.

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6. Gawing regular ang pagbabayad ng mga kasalukuyang loans, gaya ng credit card, housing loan, o car loan.

Bilang isang borrower, importante ang iyong credit score dahil dito ibina-base ng mga financial institution ang desisyon kung ikaw ay pauutangin o hindi. Ayon sa mga eksperto, naka-base sa iyong payment history ang iyong credit score.

Ibig sabihin kung madalas kang hindi nakakapagbayad sa tamang oras at madalas mapatawan ng penalty fees, malaki ang posibilidad na mababasura ang iyong loan application.

7. Kung nag-iisip kang mangutang, iisipin mo rin ang pagbabayad.

Pag-aralang mabuti ang loan term o kung ilang buwan o taon mo maaaring mabayaran ang iyong loan. May mga taong pumipili ng shorter loan tenure dahil mas mabilis na mababayaran ang loan at mas maliit ang babayarang interes. May pumipili din ng mas mahabang loan tenure dahil sa mas kontrolado nila ang pagbabayad ng maliit na monthly payments.

Sa pag-a-apply ng loan, maaaring i-discuss sa lender ang pinaka-mainam na repayment period para hindi mabigla sa babayaran at mababayaran ito ng tama.

8. Mag-ipon!

Mag-ipon ng maraming pera hangga't kaya. Hindi sigurado ang loan at minsan, may mga loan na nangangailangan ng down payment, gaya na lamang ng ilang housing loan. Kung may naitatabing pera, may magagamit ka sakaling may extra expenses. Maliban dito, mas madaling maaprobahan ang loan kung makikitang may tumutubo kang savings account sa bangko.

9. Isipin ang collateral.

May mga financial establishments na nanghihingi ng collateral bilang panigurado sa loan na ibibigay sa iyo. Mayroon namang walang collateral, ngunit mas maganda kung mayroon kang naka-handa. Para sa mga secured loans, maaaring mapababa ng collateral ang interes ng loan mo.

 Dahil dito, mas mainam na alam mo kung anong properties ang maaari mong i-collateral sa loan gaya ng alahas, real estate, sasakyan at iba pa.

10.  Huwag balewalain ang fine print.

Basahin ang terms and condition ng iyong loan bago ito pirmahan. Posibleng dito mo mababasa ang mga dagdag na bayad kagaya na lamang ng pre-closure fees, processing charges, admin fees, check penalties, extension charges, o late payment fees. 

Dito mo mas mai-intindihan ang agreement na pinasok mo sa isang lending o financial institution kung saan ka nag-a-apply ng loan.

©2020 THOUGHTSKOTO

Wednesday, December 02, 2020

6 Box-Type Houses That Are Affordable to Construct









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Due to its simplicity, box-type houses are considered to be one of the most affordable residential houses to build. So in this post, we offer a new list of gorgeous single-detached homes that come with beautiful interior and exterior. Find your style in one of the following modern houses we will feature. 
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House Design No. 1

This one is an example of a small but beautiful modern house. Not only beautiful on the outside but it has a simple but gorgeous interior. If you are looking for an affordable and compact house for your small family, this one is sizable enough to meet your and your family's needs.  It’s even equipped with a small terrace where homeowners can enjoy their moment or simply pass times.

This house is designed to have two bedrooms, two bathrooms, a living room, and a kitchen and dining area. The beauty of this small house is enhanced by the elegant and relaxing shades of gray and white colors!










House Design No. 2

This white and gray box-style house showcases not only a stylish exterior but also lovely interiors that are possible in small houses. The pastels and white shades in this building keep the atmosphere relaxing, while the open-plan layout makes the most of the available space.

Some people prefer outdoor spaces for indoor ones just like the owner of this house that prefers a living room on the outside. Having an outdoor space is truly priceless. Surrounded by trees and nature, you’ll be relaxed and free instead of feeling constrained in a small space.

This beautiful, warm, and modern house has three bedrooms, two bathrooms, a living room, a kitchen, and a dining area.













House Design No. 3 

Sleek and striking, this boxy home is a contemporary L-shaped house with a flat roofing system. One entire side is made up of full-length glass windows, making the interiors seem much more spacious than it is. The outdoor deck is quite big, which adds to the feeling of space while keeping the clutter to a minimum. The reception area offers more space for entertaining visitors that can be converted into a single car garage. The warm, natural hues of this house offer a homey feel to the modern structure and full-length glass windows ensure the indoors are always bright and airy. 

This fine house is consists of three bedrooms, two bathrooms, a spacious living area, and a kitchen and dining area. 











House Design No. 4

Small, simple, and modern is this particular design model. If you like a small house that has just about everything you need such as a lovely porch, living room, and enough space in general, then this house is worth considering. 

The colors of this house are chosen to enhance the aesthetic beauty of this home. Our selection of colors mainly depends on our personal favorite or style and appearance of the house.  For this house, the owners choose to have shades of blue, gray, and orange on the exterior. 

This is a three-bedroom, two-bathroom house good enough for small families. 










House Design No. 5

White homes have a certain elegance and an untouched aura about them. This home is simple and clean, the white color combined with shades of gray gives that pleasant cool tone. 
The house is a perfect dream home for a small family. 

This house is composed of three bedrooms, two bathrooms, a living room, and a kitchen. Decorated in a modern contemporary style it would be a popular and affordable choice.











House Design No. 6 

This house can be created with a basic investment. However, it still has a lot of charm and outer space for the family. This house has a usable area of 76 square meters and is designed to have two bedrooms and two bathrooms. Indeed it is not important to make a massive size house to enjoy a comfortable lifestyle. Instead, you can create a place that is compact and familiar. 











©2020 THOUGHTSKOTO