Anong mangyayari sa bank loan mo ngayong may pandemya?

ibinahagi ng isang finance broker ang kailangan mong malaman ukol sa iyong bank loan sa panahon ng pandemya.

If you deferred your home loan repayments due to the impacts of COVID-19, find out more about what that means for you. Source: Pixabay

Highlights

• Maaaring magbigay ng loan deferrals at extensions ang mga banko.
• Maging proactive at alamin ang status ng iyong bank loan sa panahong ito.
• Maaari mong i-restructure ang iyong loan.

Naghatid ng financial stress ang pandemya sa marami, at dahil dito, may ilang nangangailangan ng tulong pagdating sa kanilang mga utang.

Ibinahagi ng Senior Finance Broker na si Maria Papa and mga mahahalagang impormasyon ukol sa iyong bank loan nitong panahon ng krisis.

1. Anim na buwan ang hangganan ng loan deferrals.Image

Ayon kay Ms Papa, magtatagal ang loan deferrals ng anim na buwan - mula Abril 1 hanggang Setyembre 30.

"Banks cooperated with the government to give reprieve to those who need it."

2. Maaaring magbigay ng loan extensions ang bangko.Image

Alam ng mga bangko na may mga sektor sa ekonomiya na mas hirap ngayon dahil sa pandemya.

"You can potentially extend your loan for another four months; but these are only for those who really can't make payments on their mortgages and the like."

Ms Papa says that banks will ask about a client's finances and how they plan on improving their current situation before approval.

"They're a lot stricter now. They'll ask about your industry, why you're out of a job, what you're doing about finding work or upskilling, etc."

"At the end of the day, remember though that even with the extension, you're still going to have to make repayments. There's no going around that."

3. Kung gusto mong mapalagay sa iyong bank loan, tumawag sa iyong bangko.Image

Tatawag daw ang mga bangko sa kanilang mga kliyente ukol sa bank loan deferral scheme; ngunit ayon kay Ms Papa, mainam din na tumawag ka sa iyong bangko upang mapalagay sa iyong loan.

4. Maaari mong i-restructure ang iyong loan.

You have the option of restructuring your loan. Source: Tumisu from Pixabay

Maliban sa paghingi ng extension, maaari ding ipa-restructure ng mga kliyente ang kanilang mga loans.

"For example, you have a 30-year loan, you can restructure it so that it rewinds back to 30 years again. You can ask if that's possible. You can even ask if you can for the interest first if paying both the principal and interest is too much."

"Banks can help you find ways to help you get through this."

BASAHIN / PAKINGGAN DIN

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