The Best Online Loan Application

Pa-utang naman dyan! yan ang mga banat sa mga friends, tipong alam mong joke lang pero in realty you need it or atleast your thinking that you are in trouble financially in the next few days or weeks. 

Walang problema sa pangungutang kung alam mo namang short ang budget or may mga emergency talaga, there's nothing wrong with it ginagawan mo lamang nang agarang paraan ang kakaharapin mong problema. Kadalasan sa ating mga Pinoy kapos ang budget dahil sa baba ng sahud, Php 310 to Pph 537 lang naman kasi ang araw ng isang mangagawang Pinoy, kapos na kapos sa pang araw-araw lalo na kung may pamilyang bubuhayin idagdag mo pa ang mga napaka mahal na bilihin saan pa aabot ang "minimum" wage?

Marami kasi ang pinagkakagastusan, electricity bill, house rent, water, etc., marami tayong bills na binabayaran at kung minasan ay kapos ang budget kaya kaylangan nating magutang right? This fast days i had been searching for the best app and experienced it first hand to have better review.

To know best the sentiment of the people who really used the "Utang application" you need to go to the Google Play Store and search for a loan and read some reviews. So par the Billease (an Utang application) is one of the highest review scores with 4.8 with positive feedback. Bago ko ibigay ang full review ko sa applications, I just want to remind you to be a responsible debtor. Mangutang ka kung kaylangang-kaylangan mo, wang kang mangutang kung pambibili mo lang ng mga luho mo. That's a piece of advice from me.

Okay, Billease is an online utang application wherein you can download in Google Play Store,

pagkatapos mong i download ay mag register. Siguraduhin lamang na tama ang mga impormasyon na iyong ilalagay during the registration process. Maghanda ng isang valid goverment ID katulad ng UMID, Passport, SSS, Philhealth, etc,. Kaylangan mo din mag selfie together with your valid ID, it only takes a few minutes to process the registration. 

After the registration you can immediately apply for a loan, know worries  about the app becuase it is very smooth to use, madaling gamiting. Makikita sa loob ang maraming option ng loan na pwede mong pagpilian katulad ng;

• Lazada loan 
• Cash loan
• E-wallet loan 

Now, kung wala kang bank account ay pwede mong gamitin ang E-wallet loan kung saan papasok ang iyong inutang kapag na approved katulad ng mga sumusonod;

• Gcash 
• Paymaya
• Coins.ph
• Grab pay

Maari kana agad magutang ng 4,000 sa unang loan ulike others na 1,000 lang ang minimum, at ang pinaka the best ay pwede mo na agad ma avail ang 3 months installment twice a month para hindi ka mabigatan sa pagbabayad. 

Here is the computation of 4,000 that I loan in Billease 

Service charge ₱400

Interest rate 3.49%

Net proceeds of loan ₱3,600

Payment per month (₱1,472 / 2 = 736) every 15th and 30th of the month

Effective interest rate 6.82%

Conditional charge (kapag late payment at kapag hindi ka nagbabayad ng tama)

• late payment ₱50 per day
• Collection fee ₱500
• Field visit and trasportation ₱450 per visit
• Attorneys fee 20% of the total amount due or 10,000 if a loan is higher.