Mga Kakulangan ng Mga Pautang na may Kaunting Kinakailangan

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Bagamat maraming benepisyo ang mga pautang na walang masyadong kinakailangan, na nagiging dahilan kung bakit popular ito sa mga nangangailangan ng agarang pondo, mahalaga rin na isaalang-alang ang ilang mahahalagang kakulangan ng ganitong uri ng pautang.

  1. Mas Mataas na Interest Rate: Ang mga pautang na walang masyadong kinakailangan ay kadalasang may mas mataas na interest rate kumpara sa mga tradisyunal na pautang. Mahalaga na seryosohin ang proseso ng pangungutang at piliin ang tamang tagapagpautang.
  2. Mas Maikling Panahon ng Pagbabayad: Bagamat nagbibigay ang mga pautang na walang masyadong kinakailangan ng mas flexible na termino ng pagbabayad, madalas na mas maikli ang panahon ng pagbabayad nito kumpara sa mga tradisyunal na pautang.
  3. Limitadong Halaga ng Pautang: Maaaring mas maliit ang halaga ng pautang na inaalok ng mga pautang na walang masyadong kinakailangan kumpara sa mga tradisyunal na pautang. Maaaring hindi ito sapat para sa mga borrower na kailangang mag-finance ng mas malalaking gastusin o pagbili.
  4. Panganib ng Mapagsamantalang Pagpapautang: Dapat mag-ingat ang mga borrower sa mga tagapagpautang na nag-aalok ng pautang na may mataas na interest rate, nakatagong bayarin, at iba pang di kanais-nais na kondisyon. Mahalagang lumapit lamang sa mga tagapagpautang na sertipikado ng SEC sa Pilipinas at may magandang reputasyon.

Sa kabila ng mga kakulangang ito, makatutulong pa rin ang mga pautang na walang masyadong kinakailangan sa mga nangangailangan ng agarang pondo, basta’t magiging maingat at mapanuri ang mga borrower sa pagpili ng tagapagpautang.

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Mr LoanPH Changed status to publish May 20, 2024