Types of utang online

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May iba’t ibang uri ng utang online na available sa Pilipinas. Ilan sa mga karaniwang uri nito ay kasama ang mga sumusunod:

#1. Mga aplikasyon ng Salary Loan

  • Ang mga aplikasyon ng salary loan ay nagbibigay-daan sa mga indibidwal na mangutang ng maliit na halaga na karaniwang batay sa kanilang sahod o kita.
  • Karaniwang inaalok ang mga halagang mula sa Php 1,000 hanggang Php 50,000, depende sa kapasidad ng aplikante.
  • Maaaring bayaran ang utang sa loob ng maikling panahon, tulad ng ilang linggo o buwan.
  • Ang proseso ng aplikasyon ay madalas na mabilis at hindi nangangailangan ng maraming dokumento.

#2. Peer-to-Peer (P2P) Lending

  • Sa pamamagitan ng P2P lending, maaaring mangutang ang isang indibidwal ng pera mula sa iba’t ibang mga indibidwal na nag-iinvest.
  • Ito ay nagbibigay-daan sa mga mangungutang na makakuha ng mas mababang interes kumpara sa tradisyonal na mga institusyon ng pautang.
  • Karaniwang may mga plataporma o mga online marketplace kung saan maaaring mag-match ang mga mangungutang at mga nagpapautang.

#3. Mga Credit Card Online

  • Ang ilang mga bangko ay nag-aalok na ng serbisyong online para sa aplikasyon, pag-apruba, at pamamahala ng credit card.
  • Sa pamamagitan ng mga online application, maaaring mag-apply ang isang indibidwal para sa credit card mula sa kanyang bahay o sa pamamagitan ng kanyang smartphone.
  • Ito ay nagbibigay-daan sa mas mabilis na proseso ng aplikasyon at pagkuha ng credit card, na hindi na nangangailangan ng personal na pagbisita sa bangko.
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Mr LoanPH Changed status to publish April 23, 2024