❓ Help Home Credit

[SinetchiTakoyaki]

Hello po, nagbabalak po sana ako kumuha ng laptop sa home credit dahil sa 0% interest "daw" nila, kaso po sabi ng isang friend ko fake advertising lang daw po yon at di totoong 0%. Is it true po ba?

 

[Nami Raven]

0% interest sila with minimum amount. di ko lang sure kung magkano pero lets say yung may 0% interest nila eh yung cellphone lang na worth Php 6000 and payable within 6 months(di ko sure kung 6 ba tlaga or 3) pag di mo kaya ng 6 months dun ka sa 12 month (may interest na dito) and so on. . .

kunwari naman yung i aavail mo na laptop worth 15k 100% sure ako may interest yan kahit i 6months to pay mo kasi malaki yung halaga.

 

[system corrupt]

your initial downpayment will be the "interest".

kapag bago ka sa HC, as high as 30% ng price item yung pwede mong maging initial downpayment.
ex., Worth 50K na laptop, 30% = 15K. so 15K yung downpayment mo. tapos payable lang sya for 6months. 50K / 6 = 8.3K magiging monthly mo.

sinasabi lang nilang 0% interest kasi walang patong yung monthly mo, pero yung interest kasi andun na sa downpayment. hehe.

Bumili ako ng appliance noon gamit HC. Never Again. Better use CC nalang.