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Author Topic: CITIFINANCIAL- Personal Loan: Please share your experiences  (Read 14385 times)

ogus30

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #15 on: October 11, 2007, 04:57:24 pm »
MALAKI INTEREST JAN SA CITIFINANCIAL!!! Mas ok sa BDO!!!

wishywashy

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #16 on: March 08, 2008, 02:35:19 am »
Ang BDO dineny ang application namin, ni hindi man lang nag C.I. Bastos sila.
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mykels

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #17 on: March 20, 2008, 04:26:23 pm »
hello everyone i just started here in citifinancial just this 2008

and i believe that only the processing fee is fixed at Php 2000

plus the doc stamps , that is all that we charge you.  there are no hidden charges

baka kaya nyo po nasabi na malaki ang binawas is because baka mas mababa ung na-approve na loan amount na sa inyo compared sa loan amount na you applied for

ex. you applied for a Php 50,000 loan pero ang na approve na loan amount para sayo is only Php 40,000 there are some cases po kasi na ganun  :)

anyway if anyone is interested you can contact me at 9005248/09179425004 if you have inquiries and i can help you out regarding loans here at citifinancial

thanks  :)
Need quick,easy cash loan from citifinancial?
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http://www.entrepreneur.com.ph/board/index.php?topic=38525.0

mykels

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #18 on: March 20, 2008, 05:02:21 pm »
Mas mababa ang interest sa citisavings... I thought pareho lang yun citifinancial sa citisavings, magkaiba pala.

because of the latest changes and merging of Citifinancial and Citisavings as one under The Citigroup

parehas na po ang interest rates nilang dalawa the difference is with their loan amounts

citifinancial gives loan amounts from Php 15,000 to 400,000

while citisavings gives loan amounts from Php 400,000 to 1,000,000

 ;)
Need quick,easy cash loan from citifinancial?
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http://www.entrepreneur.com.ph/board/index.php?topic=38525.0

jomsan

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #19 on: April 02, 2008, 08:48:53 pm »
BEWARE!!!!

CITI FINANCIAL AND MOST OTHER COMPANIES THAT YOU CAN ALWAYS SEE ALMOST ANYWHERE OFFERING QUICKLOANS ARE LOAN SHARKS/ BUWAYA
AGENTS WILL NEVER DISCUSS THE HIDDEN CHARGES++++ IN YOUR LOAN APPLICATION. LOAN OFFICER OR BANK MANAGER AS THEY CALL THEMSELVES WILL JUST QUICKLY AND BRIEFLY TELL YOU THESE ADDITIONAL CHARGES ON THE MOMENT THAT YOU ARE EXPECTING THAT SHE/HE IS HANDLING YOU YOUR CHECK.
INTEREST AND CHARGES ARE ALWAYS WAY BEYOND THE RATE THAT YOU ARE EXPECTING.
THEY ALWAYS COME UP WITH A REASON WHY THE INTEREST RATE ADJUSTED ON THE MOMENT THAT YOU ARE GETTING YOUR LOAN.

ITS A WASTE OF TIME TALKING TO THOSE KIND OF PEOPLE PREPARING REQUIREMENTS AND HOPING FOR THE FAIR DEAL THEIR AGENTS AND ADVERTISEMENT IS PROJECTING.

mykels

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #20 on: April 02, 2008, 11:23:50 pm »
BEWARE!!!!

CITI FINANCIAL AND MOST OTHER COMPANIES THAT YOU CAN ALWAYS SEE ALMOST ANYWHERE OFFERING QUICKLOANS ARE LOAN SHARKS/ BUWAYA
AGENTS WILL NEVER DISCUSS THE HIDDEN CHARGES++++ IN YOUR LOAN APPLICATION. LOAN OFFICER OR BANK MANAGER AS THEY CALL THEMSELVES WILL JUST QUICKLY AND BRIEFLY TELL YOU THESE ADDITIONAL CHARGES ON THE MOMENT THAT YOU ARE EXPECTING THAT SHE/HE IS HANDLING YOU YOUR CHECK.
INTEREST AND CHARGES ARE ALWAYS WAY BEYOND THE RATE THAT YOU ARE EXPECTING.
THEY ALWAYS COME UP WITH A REASON WHY THE INTEREST RATE ADJUSTED ON THE MOMENT THAT YOU ARE GETTING YOUR LOAN.

ITS A WASTE OF TIME TALKING TO THOSE KIND OF PEOPLE PREPARING REQUIREMENTS AND HOPING FOR THE FAIR DEAL THEIR AGENTS AND ADVERTISEMENT IS PROJECTING.

pwede ka ba mag bigay ng patunay tungkol jan?

and besides lahat ng charges,interest rates, tenor, monthly payments and other concerns regarding the loan and the client will be discussed in the bank bago pirmahan ung cheque

FYI: binibigay nila ang comp*tations regarding their loan bago ibigay ang cheque
       at pwedeng pwede mag cancel ng loan ang client kahit na na-approve na ito
       kung meron kang hindi nagustuhan





       
Need quick,easy cash loan from citifinancial?
Click it

http://www.entrepreneur.com.ph/board/index.php?topic=38525.0

annagcruise

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #21 on: April 21, 2008, 08:25:59 am »
hello everyone i just started here in citifinancial just this 2008

and i believe that only the processing fee is fixed at Php 2000

plus the doc stamps , that is all that we charge you.  there are no hidden charges

baka kaya nyo po nasabi na malaki ang binawas is because baka mas mababa ung na-approve na loan amount na sa inyo compared sa loan amount na you applied for

ex. you applied for a Php 50,000 loan pero ang na approve na loan amount para sayo is only Php 40,000 there are some cases po kasi na ganun  :)

anyway if anyone is interested you can contact me at 9005248/09179425004 if you have inquiries and i can help you out regarding loans here at citifinancial

thanks  :)

Well, that time hindi ka pa member when I applied sa citifinancial kaya hindi mo pa naabutan yung ganun klaseng proseso nila.
Nag inquire ulit ako sa citifinancial, and nabago na nga sistema n'yo, since under na ito ng citibank. hindi na nga nalalayo ang mga rates n'yo and processing fee compared sa ibang bangko. Okey na rin kumpara sa dati.

(FYI: the approved loan was 200t and their asking for 8% processing fee of the loan amount bargaining to me at 4% before di namin tinanggap, ng mag-submit ulit ako this year, they approved the 300t at 2t na lang processing fee kaya lang pinacancle ko ulit kasi me iba bank nag offer mas mababa interest) :)

bb kate

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #22 on: May 20, 2008, 04:41:02 am »
i have a question, pano po pag payslip ang ginamit nung pag apply hindi credit card.
matagal po ba talaga ang approval nun?

Jobert Monteras

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #23 on: October 08, 2008, 11:17:01 pm »
mabilis ang processing pero sabi nilia 1.5% lang ang interest pero yung sa akin lumalabas mahigit doble babayaran ko kasi medyo matagal kinuha kong loan then nung nag-compute ako 30% pala interest nila !
The creative act is not an act of creation in the sense of the Old Testament.It does not create something out of nothing; it uncovers,selects,re-shuffles,combines,synthesizes already existing facts,ideas,faculties,skills.The more familiar the parts,the more striking the new w

mpresort

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #24 on: October 27, 2008, 03:27:33 pm »
Don sa processing fee nila, if you could provide a proof  na nag aaral mga anak mo like id's and pay slip nila, they will wave the processing fee so wala ka talagang babayaran.

Don naman sa interest nila, you can always ask a comp*tation kung paano nila naderived yung monthly installment mo para at least bago mo tanggapin ang loan, may idea ka. kahit saan lending institution naman, you can always ask all the questions you want, and its up to you to accept or cancel the loan, kasi di ka naman nila pipilitin kung las minute aayawan mo ang program nila. kahit nga approve ka na kung icacancel mo, no harm done in both parties.

basta always bear in mind, ask questions, and the decision will always be yours at the end naman.
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filmar mopon

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #25 on: October 29, 2008, 01:10:56 pm »
hi may tanong lang sana po ako kay mam annagcruise kasi been trying to apply for a personal loan, and laging declined ang application ko, may mga nabasa ako sa previous threads here regarding credit cards na kung may bad history ka ng late payments most probably declined ang application mo for loan, like one of our co-entreps here, kasi laging late dumating ang billing statements ko minsan nga tpos na due date ko saka dumadating ang billing statement ko. just want to ask kung halimbawa mag apply ako ng loan sa isang bank na ala naman akong credit card sa bank na iyon, makikita pa rin ba nila yung late payments ko sa bank na may credit card ko? what if di ko i declare ang credit card ko? makikita pa rin b nila yung late payments ko sa ibang banks?
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annagcruise

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #26 on: November 03, 2008, 09:20:04 am »
Hi Chandler,
Primary requirement na ang credit card sa mga personal loans. If you do not have crdit card or hindi mo ito ideclare, malaki ang probability na madeny ang loan mo. Yung tungkol sa credit card standing,  kung late lang sa pagbabayad dinede-activate l;ang muina nila yung account until such time na mabyaran mo na in full yung hinihingi nilang payment after that active na ulit yung account mo. YUng record sa CMAP, ito yung mga taong pinabayaan nila yung credit card nila na hindi bayaran, at hindi agad inayos yung standing until such time na i-block nila yung account dun ka na magkakarecord. Once na napapunta na yung pangalan mo sa CMAP (ito yung sabi ng mga banks) nandun na yung forever or 10 years more kahit na na settle mo na ito. So once na inaccess ng bank ang CMAP record at nakita yung name mo dun, then malamang madeny yung  application mo sa loan.

roxane14

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #27 on: June 08, 2009, 02:21:52 pm »
i am experiencing difficulty with my account in citifinancial.  I have applied for extension program, meaning you're loan payment will be extended for 2 mos or more depending on the agreement but you are required to settle certain amount inorder to qualify.  I am very much disappoined kasi sabi approved na raw ako for the said program only to find out na hindi pala.  I was not advised na disapprove pala.  Sobrang disappointing. 

roxane14

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #28 on: June 08, 2009, 02:27:06 pm »
not advisable to have loan at citifinancial i swear...

roxane14

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Re: CITIFINANCIAL- Personal Loan: Please share your experiences
« Reply #29 on: June 08, 2009, 02:41:38 pm »
i also had a bad experience at Citifinancial.  Ang galing nilng maningil pero pag kelangan mu assistance nila ang hirap tawagan.  Makontak mu man ipapasa ka pa kung kanikanino.  Nag-aaply ako ng payment extension program, may pinabayaran sa kin certain amount pra makaavail ako nun upon payment i called up the bank officer and she confirmed na approved na.  A week after, i received a call from them telling me to settle my payment. So i told him na nasettle ko na and hindi pa naman due ung schedule ng next payment ko And from him i've found out na disapprove pala yng extension program na binigay sa akin but i was never advised. kung di ko pa ntanong d ko malalaman.  Too bad =(