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Loans have always been a part of our lives and loan providers exist to help with this need. But not all loan providers have your best interest in mind. Some of the most dangerous and downright stressful loan providers are called loan sharks.
Loan sharks in the Philippines are actually quite more common than you know and you should be more careful and vigilant to ensure that your hard earned money is safe and sound. 
Just like their underwater counterparts, they wait for the perfect opportunity to take advantage of you and bleed you dry. But how do you find loan sharks? Or if you have already fallen victim to them, how do you fight loan shark harassment? 
<h2 id="what-is-a-loan-shark">What is a Loan Shark?</h2>
A loan shark is a person or company that offers loans at very high interest rates and uses blackmail and threats to collect debts. The most common examples of a loan shark in the Philippines are 5-6 lenders, sangla ATM lenders and other informal lenders. 
They sneak in hidden charges and have short repayment periods, making it hard for a borrower to come up with enough funds to repay their loan.
These lenders usually prey on borrowers who are desperate, have low or no financial literacy, or have been rejected by formal lenders. 
Loan sharks are everywhere, lurking within neighborhoods and online spaces. So how do you spot a loan shark? 
<h3 id="1-loan-sharks-have-very-high-interest-rates">1. Loan sharks have very high interest rates</h3>
Loan sharks have ridiculously high interest rates, sometimes even higher than what banks and other private lenders offer. 
As a result, borrowers would have to pay large fees on top of the principal amount every repayment period.
According to the Bangko Sentral ng Pilipinas Circular No. 1133 of 2021, an effective interest rate ceiling equivalent to 15% per month for loans amounting to ₱1,000 to ₱15,000 and 16% for loans higher than ₱15,000. This cap applies to unsecured loans obtained through online or offline distribution channels.
<h3 id="2-loan-sharks-dont-need-background-checks">2. Loan sharks don’t need background checks</h3>
Loan sharks do not need to conduct a background check on you because they already rely on predatory practices in order to get the money back (Debt 101 by Michele Cagan, CPA).
There’s no need for them to check your credit standing or income anymore when their astronomically high rates and fees are already set in stone. 
<h3 id="3-loan-sharks-have-hidden-and-excessive-charges">3. Loan sharks have hidden and excessive charges</h3>
Loan sharks may impose hidden fees on borrowers. They may also include excessive charges like document prep fees into the loan (Debt 101 by Michele Cagan, CPA). 
Loan sharks take advantage of having no contracts to sneak in these fees, often without the prior knowledge of borrowers. Note that loan documents are binding contracts that should protect both the lender and the loan borrower from any unexpected events within the period of your loan. 
And speaking of contracts…
<h3 id="4-loan-sharks-dont-offer-formal-contracts">4. Loan sharks don’t offer formal contracts</h3>
Loan sharks provide no written contract or document that formally specifies the terms and conditions of a loan. This makes it possible for them to charge borrowers high interest rates and other fees. 
Without a formal or legally-binding contract, it is difficult for borrowers to go after loan sharks or file a complaint against them. 
And if you are provided with a contract, it is important to always read and study the terms and conditions before proceeding with any type of loan. If you are not presented with loan documents or contracts, you may want to think twice about proceeding with that transaction. 
Don’t just sign your name without fully understanding the actual terms of the contract. Ask and clarify all the questions and all conditions before signing your name on any piece of paper.
<h3 id="5-loan-sharks-usually-requires-personal-collaterals-like-atms-and-bank-accounts">5. Loan sharks usually requires personal collaterals like ATMs and bank accounts</h3>
Not all loan sharks do this, but lenders who offer sangla ATM loans require their borrowers to hand over their ATM card/s as collateral for a loan. This kind of scheme may seem good at first but this is a really risky arrangement on the end of the borrower. 
They would also require the borrower to share their ATM card PIN and other bank information.
Using an ATM card as collateral is not illegal per se, but the Bangko Sentral ng Pilipinas has warned borrowers against sangla ATM lenders. According to the central bank, this scheme puts borrowers at risk of identity theft, scams, and unauthorized bank withdrawals. 
<h3 id="6-loan-sharks-have-unethical-debt-collection-practices">6. Loan sharks have unethical debt collection practices</h3>
Perhaps the most dangerous aspect of a loan shark is their tendency to resort to unfair debt collection practices, sometimes bordering on abusive. 
It is not uncommon for money lenders to go to a borrower’s home or workplace to collect unpaid debt. Loan sharks however, use threats, blackmail, or violence at the expense of a borrower’s privacy and peace of mind.
Nowadays, loan sharks turn to SMS and social media to “shame” defaulting borrowers, sending out messages that implore close contacts to pressure a borrower into repaying a debt. 
<h2 id="online-lending-harassment-philippines-2022">Online Lending Harassment Philippines 2022</h2>
Since the beginning of the pandemic in early 2020, loan providers such as banks and other lending companies have shifted to online lending platforms to reach their customers better. 
So did loan sharks. 
This opened another opportunity for them to mask their sinister goals. 
Though it’s normal to receive calls from lending companies following failure to pay on time, there is a limit to what they can do or say to their clients. Home visits are normal when it comes to collecting debt from clients with outstanding loan balances, but threats of physical harm and damage to personal property are definitely not part of a “peaceful” home visit. 
Remember, the purpose of a home visit is to assess the borrower’s financial situation in order for lenders to 1) gain first-hand impression of the borrower’s financial situation 2) help the borrower restructure their loan that would be easier for them to repay what they borrowed; and 3) keep themselves updated with the condition of borrower and/or the loan collateral (if applicable). It also helps them verify that the information you provided is accurate such as your name, address, and business operations (if you declared yourself as a business owner). 
Another modus operandi of online fraud and scammers is pretending to be a legitimate online bank or lending business to get your information, account details, or payments! You have experienced it once or twice in the past: receiving a text message from an unknown number claiming you have overdue payments from a bank or lending application; then the sender would ask you to pay your due amount through an unverified GCash or bank account. 
There are so many examples of fraud and loan sharks in the Philippines since perpetrators are continually creating and making new ways to scam and trapping customers into questionable loans and payments. 
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<h2 id="fight-loan-shark-harassment-with-these-easy-steps">Fight loan shark harassment with these easy steps!</h2>
<h3 id="1-only-take-loans-from-banks-the-government-or-licensed-private-lenders">1. Only take loans from banks, the government or licensed private lenders.</h3>
Check the legitimacy of the lending institution and their history with other borrowers. Do this by checking operating licenses, list of SEC registered online lending companies or applications, and other business permits. 
<h3 id="2-keep-record-of-transactions">2. Keep record of transactions.</h3>
Ilabas ang resibo! Receipts are a way to protect yourself from institutions claiming “you have not paid your loan”. This way, you have proof to show them when things don’t go well. 
Receipts and transaction records are one of the best ways to protect yourself and your account from loan sharks or any form of loan. But do make sure that you are paying the correct amount and account (e.g. payments for UnaCash should always be through Dragon Loans and nowhere else). 
<h3 id="3-never-ever-borrow-money-with-your-atm-cards-as-collateral">3. NEVER EVER borrow money with your ATM card/s as collateral.</h3>
Aside from putting you at risk of identity theft, sangla ATM lenders can also make unauthorized bank transactions using your card and empty your bank account in a snap if you fail to make a repayment on time.
<h3 id="4-always-pay-through-official-payment-channels-of-banks-or-online-lending-apps">4. Always pay through official payment channels of banks or online lending apps.</h3>
Loan sharks are not the only ones you have to be wary of. You also have to be careful of the well thought out schemes of online frauds and scammers. In order to avoid falling victim to these creative schemes, always check the account number you’re paying your loans to, as well as the official repayment channels of the bank or company. 
Dealing with a loan shark can definitely be a traumatic experience, but keep in mind that not all lenders are predatory. Some lenders still transact with borrowers’ needs as the main priority. 
<h2 id="faqs">FAQs</h2>
<h3 id="1-how-to-fight-loan-shark-harassment-in-the-philippines">1. How to fight loan shark harassment in the Philippines?</h3>
If you fall victim to a loan shark, you may file a report and ask for assistance from SEC (Security and Exchange Commission).
<h3 id="2-where-do-you-report-online-lending-harassment-in-the-philippines">2. Where do you report online lending harassment in the Philippines?</h3>
Prepare evidence of the harassment and send it to the proper agency. Check the types of violations such as Cybercrime (NBI), violations of the Online Lending Act (SEC), and Data Privacy violation (NPC). 
These agencies have different processes when it comes to filing complaints, so you better check their websites and file your report accordingly. 
<h3 id="3-what-happens-when-you-dont-pay-a-loan-shark">3. What happens when you don’t pay a loan shark?</h3>
This is a case to case basis, but overall, borrowing money is a responsibility. Whether you borrow money from your friend, a bank, or a loan shark, you are still obligated to pay what you borrowed. However, it does not give lending companies to harass, physically or verbally abuse, or disregard your right as a person. 
<h3 id="4-how-to-solve-loan-shark-problems">4. How to solve loan shark problems?</h3>
First of all, do not enter a sketchy transaction. Do not engage in any monetary transaction with lending businesses that do not have the correct and complete permits to operate. 
Secondly, report any suspicious activity to the right agency (e.g. DTI, SEC, NBI, etc.) and always secure evidence and paperwork to prove your claims when you file for a report. 
<h3 id="5-can-you-take-a-loan-shark-to-court">5. Can you take a loan shark to court?</h3>
Yes, you can. Loans and interest rates are strictly regulated in the Philippines. If any of these lenders violate these laws in any way, you may file a complaint and take them to court. 
<h3 id="6-is-a-loan-shark-illegal-in-the-philippines">6. Is a loan shark illegal in the Philippines?</h3>
By definition, loan sharks are illegal and unregulated lenders. Keep yourself safe from loan sharks by only choosing registered, licensed, and legitimate lenders. 
All in all, loans are big financial obligations that need to be repaid. Read more about the things you need to know before you apply for a loan in this article: Things to Consider When Applying for a Loan. 
For safer loan transactions, choose legitimate lenders like banks and online lending apps like UnaCash. NO predatory interest rates, NO hidden charges, NO collaterals, and no need to worry about privacy intrusions!
<a href="https://unacash.onelink.me/tNQS/d93163c2">Download the app and apply for a loan NOW!</a>
Written by: Alyssa Divina | Edited by: Karla Maolen Visbal 
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A loan shark is a person or company that offers loans at very high interest rates and uses blackmail and threats to collect debts. The most common examples of a loan shark in the Philippines are 5-6 lenders, sangla ATM lenders and other informal lenders. 


What is a Loan Shark and How to Fight Loan Shark Harassment in the Philippines

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Find and Deal with Loan Sharks: How to Fight Loan Shark Harassment in the Philippines

Loans are a very attractive means of getting cash in times of financial emergencies. 
From personal loan requirements to monthly interest rates to payment loans, here are some of the things you need to consider:
<ol>
<li>Loan Requirements</li>
<li>Monthly Interest Rates</li>
<li>Mode of Payments</li>
<li>Loan Approval</li>
<li>Cancellation, Penalties, and other terms </li>
</ol>
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<h2 id="loan-requirements">Loan Requirements</h2>
Every type of loan, whether it’s a car, home, or personal loan from a bank or online lending app (like UnaCash), loan institutions will always ask for documents that would prove your identity as a borrower. 
Bank requirements may vary from Non bank requirements, but personal loan requirements and bank loan requirements are usually the same: 
<ul>
<li>proof of identity (government IDs, birth certificate, etc.)</li>
<li>proof of income and financial background (payslips, bank statements, banking history, etc.)</li>
<li>proof of address (billing statements, rental agreement, various types of registration that reflect your residence)</li>
</ul>
The requirements would only vary in terms of verification calls etc. depending on the loan amount you are applying for. 
These documents are necessary in any loan application so the financing company knows that you’re not a fraud, you’re capable of paying back your loan, and you have a legitimate address in the country where you’re applying for a loan. 
Government agencies like SSS and Pag-ibig have different loan requirements. Aside from the requirements mentioned above, application for loans such as SSS Non-employment loans and Pag-ibig’s Multi Purpose Loan (MPL) are only available to active members who have a certain number of contributions. 
<h2 id="monthly-interest-rate">Monthly Interest Rate</h2>
Always ask how much the interest rate is on the loan you wish to take. This will help you compare it to other loans from other lending companies to have a better idea on what interest rates work for you. 
This will also help you plan how to pay your loans. 
Sometimes, loans can look good at the onset due to the low monthly principal and interest. But consider subtracting the amount of the loan you wish to take from the total repayment amount of the loan (principal + interest), and ponder whether that amount is the lowest among your options and if you’re willing to pay as much. 
Consider Annie’s Bedroom Package Story below:
“I was offered a special loan of 28,800 by the shop’s inhouse company. With the cash out of 6,200, my monthly payment is 3,434 for 12 months. My other option was borrowing 35,000 with monthly payments of 3,500 for 12 months. For Option B, I only paid 7434.04 of interest, while I would have paid 12,408 of interest for Option A. That’s almost 5,000 pesos in savings!”
Here is a loan payment formula that you can use to calculate how much you will pay each month. 
Monthly interest + principal amount = total loan payment per month
The interest rate for a loan of ₱35,000.00, for example is 1.25% per month, multiply 35,000 to 0.0125. The product of that is 437.5 making your monthly interest ₱437.50. 
You can get the principal monthly amount by dividing your loan amount to the number of months in your loan terms. So if you borrowed ₱35,000.00 which you will pay in installment for 12 months, divide 35,000 to 12. Your principal amount per month is ₱2916.67. 
Add the monthly interest of ₱437.50 to ₱2,916.67 and this puts your monthly payments at ₱3,354.17. 
<h2 id="mode-of-payments">Mode of Payments</h2>
Have you tried paying your loan on time but repayment channels are all offline, closed, or simply unreachable? 
Check whether the loan provider has online and over-the-counter payments that are convenient for you. Also check the billing schedules to make sure that it fits your budget, salary pay out, etc. 
<h2 id="loan-approval">Loan Approval</h2>
If you’re tight on cash, the amount of time it takes for a loan provider to approve a loan can be a crucial factor to consider.
Aside from the fact that bank loan requirements are more extensive than other loan providers, there are slimmer chances to get approved and processing time takes longer (average of 2 weeks). But you’re looking for loan providers that offer higher loan amounts and longer loan payment terms, banks are your best bet. 
On the other hand, online lending apps like <a href="https://unacash.com.ph/">UnaCash</a> take shorter times to process and less loan requirements. 
Though they offer lower loan amount (maximum loan amount ₱50,000) and shorter loan terms (from 1 day to 6 months), OLAs would still be your best choice if you need cash quickly. 
<h2 id="loan-cancellation-penalties-and-other-terms">Loan Cancellation, Penalties, and Other Terms</h2>
In the event that you cannot pay your loan on time, penalties or cancellation fees may apply, depending on how many days you’ve missed payment. 
Check the loan agreement or terms and conditions of the loans you’ll apply for to know how much the penalties are for late payments, how many days you can delay your payments, and how much you will have to pay if you decide to cancel your loan. 
Choose the loan provider that gives you the most amenable and lowest terms. 
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<h2 id="how-to-apply-for-a-loan">How to Apply for a Loan</h2>
Loan application processes can differ from one loan provider to another so it would be best to check online to learn about the specific steps on how to apply for a loan. 
Here are some of the most common loan requirements and application. 
<h3 id="1-prepare-the-required-loan-requirements">1. Prepare the required loan requirements.</h3>
Bank loan requirements are more extensive. They usually require:
<ul>
<li>2 valid IDs: 1 government issued and 1 company ID. Make sure that your name, address, and other information in these IDs are the same. </li>
<li>Proof of income: banks usually require at least 3 months of payslips or bank statements. </li>
<li>Certificate for Employment: your chances of getting your loan application approved is higher if you’ve been hired for 6 months and more. </li>
<li>Application forms</li>
</ul>
For online lending applications, loan requirements are almost the same but less in number and can be substituted with other documents. Here are the usual loan requirements:
<ul>
<li>1 valid government ID</li>
<li>Proof of income: 1 month payslip is enough. For unemployed, you can still use your remittance slips, business permits, and other documents that can prove your income.</li>
<li>Accomplished application form</li>
</ul>
For government offices, they usually require:
<ul>
<li>Valid government ID (UMID, PhilSys, SSS, etc.)</li>
<li>Accomplished application form: you may have to submit to your employer so they can accomplish the net pay section</li>
<li>Certificate of Contribution</li>
<li>Certificate of Employment or certificate of net pay</li>
</ul>
<h3 id="2-fill-out-the-application-forms">2. Fill out the application forms.</h3>
Every lending company, bank or non-bank would require you to fill out forms with your basic personal, professional, and financial information. 
Make sure that the information you put in your application form is the same as the information indicated in your IDs, proof of income, and other submitted documents to avoid delays in your application. 
<h3 id="3-wait-for-approval">3. Wait for approval</h3>
Wait for the approval of your application and always keep your lines open to receive verification calls from the lending company.
This is pretty standard to make sure that all the information you provided are true and correct. 
<h3 id="4-re-apply-when-declined">4. Re-apply when declined</h3>
Anyone whose application has been declined is free to re-apply after a period of time. 
Online lending apps like <a href="https://unacash.com.ph/">UnaCash</a> have shorter waiting period, minimum of 30 days after date of declined application. 
For banks, it usually takes 5 to 6 months to be able to apply once again. 
For government agencies, re-application usually depends on employment status and number of contributions so be sure to ask about this from the government agency. 
And those are some of the things you need to consider when applying for a loan. Do you agree with our list? Let us know in the comments. 
<h2 id="faqs">FAQs</h2>
<h3 id="1-where-to-get-a-loan-">1. Where to get a loan? </h3>
Banks, government offices, and private online lending application has a variety of loan offerings that fit your needs. Depending on what type of loan you want, check out the different loan requirements, interest rate, and processing time from these different institutions. 
<h3 id="2-how-to-get-a-loan-">2. How to get a loan? </h3>
Get your loan by submitting a duly accomplished form, loan requirements, and wait for the approval. Loan disbursement can be done over-the-counter or through a specific bank account. 
For example, Pag-ibig Multi-Purpose Loans (MPL) will only be disbursed through a cash card (Landbank) given upon approval of your loan. 
<h3 id="3-what-is-loan-application-requirements">3. What is loan application requirements?</h3>
Most loans require proofs of identity (ID), income, and/or address along with an accomplished application form; government agencies like SSS and Pag-ibig would require a minimum number of contributions. 
<h3 id="4-how-to-apply-for-a-personal-loan">4. How to apply for a personal loan?</h3>
Prepare the required documents, accomplish the application form, and submit your application through official channels. Wait for the approval and re-apply if your application is declined. 
<h3 id="5-how-to-calculate-monthly-payment-on-a-loan">5. How to calculate monthly payment on a loan?</h3>
Monthly payment is calculated by adding the monthly interest rate plus the principal amount. 
<h3 id="6-what-is-loan-penalty-condonation">6. What is loan penalty condonation?</h3>
Loan penalties are added to your monthly loan payment when you fail to pay your monthly due amount after a certain amount of time. The penalties depends on the lending company. Penalties can be applied for each day of delayed payment or a certain period of time (e.g. every 15 days, 30 days).
Loan penalty condonation is when a lending company allows you to restructure your loan payments or extend your loan payments devoid of penalties to help you pay the full amount of your loan.
<h3 id="7-why-is-it-important-to-collect-all-the-loan-requirements">7. Why is it important to collect all the loan requirements?</h3>
Lending companies collect loan requirements such as personal, professional, and financial information for a number of things:
<ul>
<li>Ensure you are a real person and not a fraud</li>
<li>You are capable of paying off your debt</li>
<li>Submit your information to the Credit Information Corporation. This would create a record of your credit history. This would make things easier for you when you need to get a bigger loan in the future. </li>
</ul>
Looking for credible cash loan providers?
<a href="https://unacash.com.ph/">UnaCash</a> offers low-interest loans in flexible terms which you can use to pay bills, use in medical emergencies, leisure, and more! <a href="https://unacash.onelink.me/tNQS/ccaa66c2">Download the app now!</a>
 Written: Karla Maolen Visbal 
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Babies and children are just some of the purest joys that life can offer. But if you’re not prepared enough, having a baby can easily drain your finances.
Child-rearing is a responsibility that is not for the faint-hearted; you have to be emotionally and financially ready to guide your child through the ups and downs of life.
In this blog post, we will present to you a sample newborn checklist that outlines the things to prepare before giving birth in the Philippines. 
<h2 id="costs-during-pregnancy">Costs during pregnancy</h2>
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You’re going to shell out a lot of money as you prepare for the arrival of your bundle of joy.
You have to go through numerous check-ups, ultrasounds and supplements to take care of you and your baby’s health.
In addition, you have to buy maternity clothes and baby essentials such as clothes, a crib, accessories, bottles, toys, stroller, carrier and so forth.
Pregnancy check-up prices may vary depending on the healthcare provider. Prices start at ₱500 and can go higher if you go to a private clinic. You also have to factor in the frequency of your visits, which will depend on your doctor.
How much is an ultrasound in the Philippines? A standard ultrasound will cost ₱500 and up while 3D and 4D ultrasounds range from ₱1,500 to ₱4,000. Some local governments and foundations sponsor free ultrasound testing from time to time so be sure to check them out.
Maternity packages for 2022 in the Philippines can range from ₱45,000 in public hospitals to ₱300,000 in private hospitals. 
Other costs include vitamins &amp; supplements (starts at ₱5,000) and maternity clothes (budget at ₱1,000). 
 
<h2 id="cost-of-giving-birth">Cost of Giving Birth</h2>
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After nine months, it’s time to finally meet your baby! 
Normal delivery costs in the Philippines for 2022 will depend on your healthcare provider and your insurance or HMO. Prices can be cheaper in public hospitals and lying-in clinics, but there can be limitations to the services they can provide in unfortunate cases that complications occur during labor or delivery. 
Of course, it is more expensive to give birth in private hospitals, so be prepared to spend at least ₱25,000 just for the delivery! That does not yet include doctor’s fees, medications, maternity room, and other add-ons.
Epidural cost in the Philippines ranges from ₱25,000 to ₱40,000.
In some cases, your doctor may recommend that you undergo a cesarean section. This is recommended in cases where there is a breech, obstructed labor, fetal distress and others. 
Of course, a c-section is more expensive than a normal delivery. Prices start at ₱80,000 and can go upwards to ₱300,000 if you’re going to avail a c-section package from a high-end hospital.
You can avail of maternity packages if you want to spread out the costs of giving birth. These packages are available in public and private hospitals. It usually includes professional fees, medications, delivery room charges and a private room.
Here is a table showing the estimated price of maternity packages from some hospitals in Metro Manila. 
 
<h3 id="the-estimated-price-of-maternity-packages">The estimated price of maternity packages</h3>
<table style="text-align:center; font-size:15px; border:1px solid gray" cellpadding="0" cellspacing="0">
<tr>
 <th>Hospital</th>
 <th>Price Range</th>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Philippine General Hospital</td>
 <td style="border:1px solid gray">₱45,000 - ₱60,000</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Marikina Valley Medical Center</td>
 <td style="border:1px solid gray">₱50,000 (normal delivery) </td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Makati Medical Center</td>
 <td style="border:1px solid gray">₱80,000 (standard delivery) 
₱125,000 - ₱250,000 (c-section) 
 <tr height="70">
 <td style="border:1px solid gray">St. Lukes Medical Center</td>
 <td style="border:1px solid gray">SLMC QC: ₱60,000 - ₱80,000 (normal delivery) ₱100,000 - ₱300,000 (c-section) 
 
 SLMC BGC:
₱101,000 - ₱165,000 
</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Capitol Medical Center</td>
 <td style="border:1px solid gray">₱20,000 - ₱30,000 (normal delivery) 
₱35,000 (c-section)
</td></tr>
</table>
 
If you have an insurance policy or you are a Philhealth member, your expenses can be reduced depending on your coverage. 

Others opt to apply for loans such as SSS maternity benefits, Pag-ibig Multi-purpose Loans, or opt for banks and online lending apps like <a href="https://unacash.com.ph/">UnaCash</a>. 
<h2 id="post-natal-costs">Post-natal costs</h2>
After you give birth, your baby will have to undergo a newborn screening test. This is to ensure that your baby does not have health problems that may become serious if undiagnosed. This is done 24 hours after the birth of your child.
A newborn screening has three parts: blood test, hearing test and pulse oximetry test. 
In hospitals, basic screening tests cost around ₱550 while expanded screening tests cost around ₱1,500. If you are a Philhealth member, the amount covered for newborn screening is ₱2,950. This includes costs for Vitamin K, eye ointment, hepatita B and BCG vaccine, expanded newborn screening test, newborn hearing screening test, and professional fees. 
<h2 id="newborn-checklist-in-the-philippines">Newborn checklist in the Philippines</h2>
Before bringing your baby home, you must have prepared all of the essentials like clothes, baby care products, bottles, crib, stroller, accessories and a vaccination record.
Here is a table showing the estimated costs of baby essentials. 
<table style="text-align:center; font-size:15px; border:1px solid gray" cellpadding="0" cellspacing="0">
 <tr>
 <th>ITEM</th>
 <th>BUDGET</th>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Baby Clothes & Accessories</td>
 <td style="border:1px solid gray">₱5,000</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Crib</td>
 <td style="border:1px solid gray">₱1,000 to ₱3,000 (can be cheaper or more expensive depending on the brand</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Stroller</td>
 <td style="border:1px solid gray">₱3,000 (can be cheaper or more expensive depending on the brand</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Baby Feeding Bottles</td>
 <td style="border:1px solid gray">₱1,000</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Bottle Sanitizer</td>
 <td style="border:1px solid gray">₱1,000</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Toys</td>
 <td style="border:1px solid gray">₱1,000</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Vaccinations</td>
 <td style="border:1px solid gray">BCG ₱1,500 to ₱2,000 
Hepa B ₱1,500 
Pentavalent or 5-in-1 ₱3,000 to ₱3,500 
Rotavirus ₱2,500 to ₱3,000 
Pneumonia ₱4,000 to ₱5,000 
Measles/MBO ₱1,000 to 1,300 
Chickenpox ₱1,500 and below 
Flu Shot ₱1,300 to ₱1,500</td>
 </tr>
 <tr height="70">
 <td style="border:1px solid gray">Formula</td>
 <td style="border:1px solid gray">₱750 (S-26) to ₱2,600 (Gain)</td>
 </tr>
</table>
 
* prices are estimates from cheapest to most expensive but can be higher or lower depending on the brand and outlet/store 

<h3 id="faqs">FAQs</h3>
<h4 id="1-can-i-use-my-husbands-philhealth-coverage-for-maternity-expenses">1. Can I use my husband’s Philhealth coverage for maternity expenses? </h4>
Yes, you and your baby can benefit from your husband’s Philhealth coverage as dependents. 
<h4 id="2-what-is-the-water-birth-price-in-the-philippines-for-2022">2. What is the water birth price in the Philippines for 2022? </h4>
Water birth suites in the Philippines cost ₱100,000 to ₱120,000. You can avail of this service from St. Lukes Global City and Makati Medical Center. 
<h4 id="3-how-much-is-ultrasound-in-the-philippines">3. How much is ultrasound in the Philippines? </h4>
In the Philippines, a standard ultrasound can cost ₱500 while a 4D ultrasound can cost up to ₱4,000. 
<h4 id="4-what-is-the-painless-normal-delivery-cost-in-the-philippines-for-2022">4. What is the painless normal delivery cost in the Philippines for 2022? </h4>
A painless normal delivery includes giving the mother epidural anesthesia during labor. Prices range from ₱25,000 to ₱40,000 depending on your needs. 
<h4 id="5-can-i-use-my-philhealth-for-my-pregnant-wifes-expenses">5. Can I use my Philhealth for my pregnant wife’s expenses? </h4>
Yes, you can use your Philhealth coverage for your pregnant wife’s expenses. 
<h4 id="6-what-is-the-most-expensive-hospital-in-the-philippines">6. What is the most expensive hospital in the Philippines? </h4>
Expensive hospitals in the Philippines include St. Lukes, Makati Med, Cardinal Santos, etc. 
<h4 id="7-will-my-insurance-policy-cover-the-cost-of-my-delivery">7. Will my insurance policy cover the cost of my delivery? </h4>
Depending on your insurance policy and inclusions, your insurance may be able to cover the costs of your delivery and hospitalization. Be sure to check with your financial advisor as soon as you find out you&#39;re pregnant. 
<h2 id="conclusion">Conclusion</h2>
Having a baby is a goal of many but can definitely be expensive. Be sure that you have prepared enough finances to be able to survive this one-of-a-kind experience. In cases that costs are higher than your budget, you can always opt to apply for a credit line in <a href="https://unacash.com.ph/">UnaCash</a> to help you make payments lighter through flexible installment terms. 
 
Written by: Alyssa Divina | Edited by: Karla Maolen Visbal
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Having a baby? Congratulations! Be sure you're prepared to welcome the new addition to your family by finding out the costs of giving birth in the philippines.

Cost of Giving Birth in the Philippines 

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Cost of Giving Birth in the Philippines 2022 | Price of Normal and Caesarean Delivery, Ultrasound and Epidural cost

Balik-eskwela is already in full swing and UnaCash is here to help! 
 
Last August 10, 2022, the UnaCash team took part in a Brigada Eskwela project at Maybunga Elementary School (MES). 
 
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The team spent a fun and fulfilling afternoon repainting the walls of classrooms, giving them a fresh new look before students go back for their first face-to-face classes since the start of the pandemic. 
 
Corporate social responsibility (CSR) activities like this will have a big impact among students, according to MES Principal Mr. Christopher S. Santos. 
 
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“For students, seeing a newly-painted classroom and organized school facilities will help them become more engaged in their schoolwork,” Santos said. Imagine walking in a freshly painted classroom after more than 2 years of being at home! 
 
“Malaking tulong din itong project ng UnaCash, dahil una sa lahat, nababawasan yung gastos ng schools para sa re-painting ng classrooms [It is a huge help, this project by UnaCash, because first of all, it lowers the spending of the school to repaint the classrooms],” Santos added. “At yung natipid ng eskwelahan, maaari pang gamitin sa iba pang pangangailangan ng mga estudyante [With the school saving on such costs, we can spend it other things that the students might need].” 
 
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Along with repainting activities, MES has been preparing their learning and recovery plan in order to bridge learning gaps caused by the pandemic. 
 
And with the threat of COVID-19, the school is making sure that they have enough restrooms, handwashing facilities, and tooth-brushing areas for dental hygiene. 
 
According to the UnaCash Vice President for People &amp; Culture (P&amp;C) Vane Macatangay, Brigada Eskwela was chosen as the company’s first CSR activity to help schools with the F2F mandate since it is more urgent and pressing at the moment. 
 
“Una starts with you. We want everyone to know that UnaCash gives back to the community. We really care about the things that we are passionate about; one being education,” Macatangay said. 
 
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“Hopefully, starting with Brigada Eskwela, we will be able to focus on other parts of our corporate identity that are related to CSR.” 
 
In the future, UnaCash hopes to partner with a foundation and tap its marketing team for its CSR initiatives. 
 
By the second half of 2022, they also hope to have planned-out CSR activities for 2023. 
 
 
Written by: Alyssa Divina | Edited by: Karla Maolen Visbal 
 
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As part of our CSR program, UnaCash spent a fun-filled afternoon repainting Maybunga Elementary School (MES) in Pasig last August 10, 2022. This project, as part of Brigada Eskwela 2022 aims to help MES prepare for the upcoming F2F classes on August 22, 2022, after more than 2 years of online classes. 

UnaCash breathes new life into Maybunga Elementary School classrooms through Brigada Eskwela 2022

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What is <a href="https://unacash.onelink.me/tNQS/km19i7j3">UnaCash</a> Credit Line?
Credit line is an approved amount of loan from <a href="https://unacash.onelink.me/tNQS/km19i7j3">UnaCash</a> that you serves as a cardless credit card. It has a revolving type of credit where your credits will be replenished as soon as you repay your loan. 
 
How to use your Credit line?
There are three ways to use your <a href="https://unacash.onelink.me/tNQS/km19i7j3">UnaCash</a> credits. You can:
<ol>
<li>Withdraw your credits as cash through our partner banks and outlets;</li>
<li>Spend your credits to buy items from our partner stores now and pay later for as low as 0%* interest rate; or</li>
<li>Transfer to your Lazada Wallet. </li>
</ol>
How much is the interest rate of the Credit line?
We provide the the lowest interest we can. The charges are being set on individual basis and it depends on your individual profile. Please read through your disclosure statement. 
 
What do you need to apply for a credit line with <a href="https://unacash.onelink.me/tNQS/km19i7j3">UnaCash</a>?
For first time users, apply using 1 valid government ID and 1 proof of income. Once you repay your loan with interest, the principal amount will automatically replenish in your account. 
 
What is the maximum credit amount I can loan?
The maximum loan amount is 50,000php and the minimum is 2,000php. The approved amount depends on the customer&#39;s credit scoring. 
 
What is the maximum loan terms?
For loans greater than 10,000php, we have a flexible loan term of 1 to 6 months, which loans below 10,000php,the loan term is 5 to 6 months 
 
Will my credit limit increase?
Yes, your credit limit will have a chance to increase with continuous use and good repayment history. Keep using your credits as cash, Buy now Pay Later, or Lazada and ALWAYS pay your dues on time for higher chances of increasing your limit. 
 
Is <a href="https://unacash.onelink.me/tNQS/km19i7j3">UnaCash</a> available outside the Philippines?
As of now, <a href="https://unacash.onelink.me/tNQS/km19i7j3">UnaCash</a> app is only available in the Philippines. 
 
What if I want to pay off my loan early?
You can pay your loan earlier than your loan maturity date. Check your amortization schedule in the App for exact figures on how much you need to settle to close your account. 
 
Is there a fee to cancel disbursed loan?
You need to send us a request to cancel released loan amount within 5 days upon disbursement. You should deposit the principal amount back including the 500php pre-termination fee using any payment channels and send us a proof of payment via <a href="mailto:care@unacash.com.ph">care@unacash.com.ph</a>. Please wait for 24-48 hours before the App will display that the account is closed. 
 
How to avoid scammers?
To avoid scams and other fraudulent activities, do not share your passwords, OTPs, or any personal information outside the UnaCash app or thru any Facebook page messenger claiming to be from <a href="https://unacash.onelink.me/tNQS/km19i7j3">UnaCash</a>. Your private information and OTP if shared can be used to withdraw money from your <a href="https://unacash.onelink.me/tNQS/km19i7j3">UnaCash</a> loan account. 
 
If you need any help with your loan or account, please contact <a href="mailto:care@unacash.com.ph">care@unacash.com.ph</a> or <a href="mailto:collection@unacash.com.ph">collection@unacash.com.ph</a> for repayment concerns. 
 
You can also get the latest updates from our <a href="https://unacash.com.ph/facebook.com/UnaPhOfficial">Official Facebook Page</a>
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UnaCash is a mobile financing app that offers customers where customers can borrow up to 50,000php personal credit line, which they can use to shop in our partner merchants, spend in Lazada or as cash. 

Frequently Asked Questions about UnaCash

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<h2 id="paano-magbayad-ng-loan-at-umiwas-sa-scams">Paano magbayad ng loan at umiwas sa scams</h2>
Sa tuwing araw ng bayaran, lagi at laging may nakaabang at naghihintay ng pagkakataon na makapang scam ng mga hindi nag-aakalang mga customer. Bagama&#39;t mataas ang security features ng maraming loan applications, hindi agad ma-address o magagawan ng paraan kapag na-scam ang isang customer sa labas ng application. 
Heto ang ilang hakbang upang makaiwas sa scam:
<ol>
<li>Magtransact lamang sa loob ng UnaCash app. </li>
<li>Siguraduhing gamitin ang reference number na galing sa app tuwing magbabayad ng loan over-the-counter at sa GCash. </li>
<li>Para sa online payments, laging gamitin ang PAY BILLS feature ng GCash, 7-11 at iba pang over-the-counter options.</li>
<li>Magbayad lamang sa DRAGON LOANS. Pag &quot;unknown&quot; ang pangalan ng account o pangalan ng isang tao, huwag nang ituloy ang transaksyon. </li>
</ol>
Paano magbayad via GCash
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Di natin maiwasan na magkaron ng mga scammer. Pero kaya nating maiwasan ang kanilang mga scam! Heto ang ilang hakbang upang makaiwas sa scam pag nagbabayad ng inyong UnaCash Loan. 

Paano magbayad ng loan? At paano makaiwas sa scams

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Magandang balita! Nasa UnaCash app na ang UnaPay Lazada Loan. 
Pero pano nga ba siya gamitin? 
Heto ang mga steps at ilang paalala sa pag gamit ng Lazada Loan from UnaCash. 
<ol>
<li>I-download ang <a href="https://unacash.onelink.me/tNQS/sv234pfy">UnaCash app</a></li>
<li>Gamit ang iyong 1 valid government ID at payslip, mag apply ng credits (minimum 2,000php hanggang 50,000php).</li>
<li>Pag na-approve na ang iyong loan, i-click ang UnaCash Limit.</li>
<li>I-click ang Lazada Loan. </li>
<li>I-lagay ang inyong Lazada Wallet credentials at credit amount (minimum 2,000). </li>
<li>Piliin ang loan terms. </li>
<li>I-check ang inyong Lazada Wallet kung naipasok na ang inyong loan. </li>
</ol>
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TANDAAN
<ol>
<li>Magtransact o magbayad lamang sa loob ng UnaCash app upang makaiwas sa scams at frauds. </li>
<li>Huwag i-post sa FB page ng UnaCash ang inyong mga detalye tulad ng buong pangalan, mobile number, at bank account number. </li>
<li>Gamitin lamang ang pay bills facility sa GCash at online banking platforms at piliin ang DRAGONLOANS para siguradong papasok sa inyong account ang payment. </li>
<li>Itago ang payment receipts o ipadala ito agad sa aming email as proof of payment. </li>
</ol>
Para sa inyong concerns, comments, o issue sa pagbabayad, mag-email lamang sa aming customer service. 
<ul>
<li>Technical and general concerns: <a href="mailto:care@unacash.com.ph">care@unacash.com.ph</a></li>
<li>Repayments concerns: <a href="mailto:repayments@unacash.com.ph">repayments@unacash.com.ph</a></li>
</ul>
<a href="https://unacash.onelink.me/tNQS/sv234pfy">Apply na!</a>
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Maari nang magamit ang inyong UnaCash credits bilang Lazada Loan. Buksan lamang ang app at ilipat sa inyong lazada wallet ang inyong credits (min 2k). 

Lazada Loan sa UnaCash App!

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Bring out your swimsuits and summer essentials because the dry season is officially here! 
As an archipelagic country, the Philippines boasts beautiful beaches from all fronts, while offering tranquil forests and mountains for those who are more into exploring and hiking. 
Regardless of where you’ll be heading, here are some things to keep in mind to stay healthy and safe while beating the tag-init! 
 
ALSO READ: <a href="https://unacash.com.ph/blog/what-is-una-cash-credit-line">Get your summer essentials with UnaCash Credit Line!</a> 
 
SUNSCREEN
It might be fun to stay out and get that much-needed Vitamin D, but too much time under the sun also leaves you vulnerable to the dangers of ultraviolet (UV) rays.
UV rays are more intense from March to May, coinciding with the Philippines’ summer season. Too much exposure to UV rays can cause premature skin aging, eye damage, and skin cancer. You wouldn’t want that, right?
Because of the intense rays of the sun, it is important to protect your skin against harmful UV rays by putting on sunscreen regularly, especially when you have sensitive skin. Yes, even if you’re just going to be out for an hour. Though it will not prevent your skin from darkening, it will help your skin stay smooth and healthy.
So whether you’re heading to the beach or going for a shopping trip, put on that sunscreen to protect your precious skin from the sun! This <a href="https://www.google.com/url?q=https://evegrocer.com/products/sunblock?_pos%3D1%26_sid%3Dea4f9bc2f%26_ss%3Dr&sa=D&source=docs&ust=1647916097906183&usg=AOvVaw3qTwrnVXIpR_xjzSbnDnaH" rel="nofollow" target="_blank">sunscreen from Green Mama</a> has SPF 50 and Vitamin E which is great against skin damage – perfect if you’re going to spend a long time under the sun!
If you want to protect your skin without causing damage to precious coral reefs, this <a href="https://www.google.com/url?q=https://goodmoodgrocer.com/products/magwai-reef-safe-sunscreen-lotion?_pos%3D1%26_sid%3D985f3bb23%26_ss%3Dr&sa=D&source=docs&ust=1647916097906711&usg=AOvVaw3AWYnz8alScot9kzwXcoF2" rel="nofollow" target="_blank">Magwai Reef sunscreen</a> is the one for you! Not only is it safe for the reefs, it’s safe for kids too! 
 
HYDRATION
With the dry season comes high heat indices, so it is important to keep yourself well-hydrated. Aside from the usual thirst and headaches, extreme dehydration can cause serious health problems like heat exhaustion and heat strokes if not addressed early.
To prevent this, make sure to drink 1.5L to 2L of water everyday to help your body replenish lost fluids and maintain your body temperature. Always have a water bottle at hand and take regular breaks under a cool shade if you have to stay outside for long periods of time.
Keep yourself hydrated on-the-go with these <a href="https://www.google.com/url?q=https://smartlife-hacks.com/collections/sports-fitness/products/korean-lucky-day-water-drinking-glass-bottle-tumbler&sa=D&source=docs&ust=1647916097907260&usg=AOvVaw1kRhlnpzdjgVIIYA3n7xx6" rel="nofollow" target="_blank">cute tumblers</a> from <a href="https://unacash.com.ph/creditline/merchants/home-living/SmartLife">Smart Life!</a> You will surely have a lucky day with every sip of your favorite drink! 
Aside from giving you a much-needed hydration, this <a href="https://www.google.com/url?q=https://goodmoodgrocer.com/products/kagome-mango-mixed-juice-720ml&sa=D&source=docs&ust=1647916097908174&usg=AOvVaw0pY5hjakBM8SDwPm7O8ipH" rel="nofollow" target="_blank">mixed mango juice drink from Kagome</a> has a mixture of 14 vegetables and 5 fruits which will surely boost your immunity and daily vitamin intake! 
 
Moreover, you can still be prone to dehydration even if you’re just at home or at work! This <a href="https://www.google.com/url?q=https://eveehome.com/product/evee-gold/&sa=D&source=docs&ust=1647916097908439&usg=AOvVaw1jhptXRU48SKR-RT8ohg_b" rel="nofollow" target="_blank">EVEE smart dispenser</a>combines a water dispenser and a smart kettle all in one sleek device. No need for multiple water or coffee breaks! 
 
INFLATABLE POOL
Even though many areas in the country have been placed under the lenient Alert Level 1, many are still quite hesitant to go to public resorts or beaches for a cool down. In addition, rising commodity prices may prevent some from planning trips to Boracay or El Nido.
One way to cool down this summer without breaking the bank is by getting an inflatable pool! Not only is it cheap, kids and adults will enjoy having a splash in the comfort of your own backyard! It is also a good way to avoid crowds hanging out at pools or beaches!
And while you’re lounging in your inflatable pools, indulge in fun and easy-to-cook snacks like <a href="https://www.google.com/url?q=https://nlmaconline.com/collections/others/products/mccain-golden-fry-1-4-shoestring-fries&sa=D&source=docs&ust=1647916097908892&usg=AOvVaw1DJxZ_CHsw55yjQ8kSdW8x" rel="nofollow" target="_blank">shoestring fries</a> and <a href="https://www.google.com/url?q=https://nlmaconline.com/collections/meat-products/products/aguila-hungarian&sa=D&source=docs&ust=1647916097909356&usg=AOvVaw38SvVnBOZw7IJ7-AGG6ISe" rel="nofollow" target="_blank">Hungarian sausages</a>! Don’t forget to bring out the <a href="https://www.google.com/url?q=https://nlmaconline.com/collections/dairy/products/selecta-ih-classic-vanilla&sa=D&source=docs&ust=1647916097909764&usg=AOvVaw2Eemz04wtuqLAGjlhODCIk" rel="nofollow" target="_blank">ice cream</a> for dessert! 
 
PORTABLE BATHTUBS
An inflatable pool might be cheap, but it also takes up a lot of space. If you don’t have a big backyard or if you are living in a small apartment, you can still have a cool soak with a portable bathtub!
A portable bathtub gives you the benefits of soaking in cool water without worrying too much about the space, as it can be folded and stored away after every use. 
 
COTTON DRESSES AND SHIRTS
They’re flowy, breathy, and overall presko.
With the heat and humidity in the Philippines, summer outfits bring in the comfort and style of the season. Clothing made of thin cotton and linen are among the top options during the summer because it feels cool and comfortable to the skin.
Who says you can’t be fashionable even if you’re sweating? This summer, be loud and about with graphic shirts from<a href="https://unacash.com.ph/creditline/merchants/apparel/Printaco" target="_blank">Printaco</a>! 
 
HYDRATING LOTION &amp; MOISTURIZER
All of those beach trips can dry out your skin. Salty ocean waters, chlorinated pool water, and soap can soak up that moisture from your skin and make you more prone to damage.
After swimming or taking baths every day, remember to put on some hydrating lotion to lock in moisture and keep your skin from getting dry. If you are worried about that icky feeling on your skin, you can choose light lotions or you can put on your moisturizer before you sleep at night. 
This <a href="https://www.google.com/url?q=https://www.onlinedepotstore.com/products/relumins-all-in-one-day-lotion?_pos%3D4%26_sid%3Df99ffb331%26_ss%3Dr&sa=D&source=docs&ust=1647916097910371&usg=AOvVaw2lwoWUSaTngchYVL2uNqvc" rel="nofollow" target="_blank">Relumins</a> from <a href="https://unacash.com.ph/creditline/merchants/beauty-and-health/online-depot-store">Online Depot Store</a> is an all-in-one day lotion will definitely leave you feeling moisturized all over your body and protect your skin from the sun! 
 
SUNGLASSES
Your skin is not the only thing that you need to protect from the sun’s harsh rays. Though your eyes don’t necessarily feel “hot”, those pesky UV rays can cause short-term and long-term damage to your eyes and affect your vision.
Get some nice tinted sunglasses to help protect your eyes from these harmful rays! It can be a stretch to wear them with your face masks, though. 
 
UMBRELLA
The summer heat can be pretty intense and it can be hard to find a cool shade in the middle of a hot day. It is not advisable to be under direct sunlight from 10am to 2pm.
What’s more mind-boggling is when it suddenly rains for a bit. Then the sun comes back up and the humidity becomes even more intense. So bring an umbrella to keep yourself protected from the elements! 
 
VACCINATION CARDS &amp; FACE MASKS
Quite an unusual item in this list, but so is our environment.
Whether you’re going out of town or traveling to a relative’s house, it’s best that you bring proof that you have been vaccinated against Covid-19 as some areas and provinces require this upon entry. 
Face masks are also still a must so don’t forget to stockpile on masks, whether they are disposable or reusable. Don&#39;t forget to put masks on your little tykes too!
Do you agree with our top list? Be sure to check out the items we listed above with <a href="https://unacash.onelink.me/tNQS/e4261645">UnaCash Credit Line</a>!
Have a more affordable shopping experience when you buy now &amp; pay later with <a href="https://unacash.onelink.me/tNQS/e4261645">UnaCash Credit Line</a>! Enjoy 0% interest, up to P50,000 in personal credit line, and flexible loan terms of up to 6 months!
Can’t wait to enjoy the summer? Apply for an <a href="https://unacash.onelink.me/tNQS/e4261645">UnaCash Credit Line</a> now! 
 
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Tag-init na! Keep yourself safe while having fun under the sun. Stockpile your summer essentials with UnaCash Credit Line, up to 0% interest. 

Tag-init na! Summer Essentials for Post-Pandemic Get Away

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When applying for loans, it is important to know about good debt and bad debt. One can help you achieve a higher quality of life and more avenues for income, while the other can sink you and have an unfavorable effect on your financial standing. 
 
What is good debt?
A good debt is taking on a loan to purchase anything that can improve your way of life or net worth (Debt 101, Cagan).
These loans usually come with fair interest rates and repayment schedules which you can meet without draining your budget. 
 
Examples of good debt:
- Educational Loans. Getting a loan to finance your studies is considered good debt as education can be a form of investment. Having better education can help you land better-paying jobs, and upskilling can help you gain new skills and expand your job options.
- Capital or Business Loans. Building a stable business can increase and secure your financial standing as well as give you more flexibility. Borrowing money for a business can be very risky, but with a solid business plan and a budget to spend the money wisely, success can come your way.
- Housing Loan. While it can also be a bit risky, taking out a housing loan can provide you with a permanent place to live and an investment vehicle. Flipping a house after renovation or renting it out can give you solid income and help you pay for the loan. 
 
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What, then, is bad debt?
On the other hand, a bad debt
 is taking on a loan to purchase something that depreciates in value or will have an adverse effect on your income. These usually come with high interest rates and short repayment periods.&lt;
It is also considered bad debt if you don’t have the cash to pay for it. 
 
Examples of bad debt:
- Depreciating Assets. It’s not generally a good idea to take out a loan for quickly depreciating assets like cars, clothes, gadgets, etc. These assets lose half their value the moment you take them out. It’s advised that you pay in cash whenever you buy assets like this.
- Credit card debt. It’s very easy to go overboard with credit cards and end up with debt. Aside from purchasing quickly-depreciating assets, interest rates and other fees can easily pile up, aside from payment schedules that can be hard to meet.
- Predatory loans. Taking out loans from predatory lenders carries the risk of ridiculously high interest rates, excessive charges, a lack of any formal contract, short repayment periods, and unethical debt collection practices. All of these factors can have a negative impact on your credit history and entrap you in a debt cycle. 
 
Keep in mind that some debt does fall in between “good” and “bad”. These debts, as per Investopedia, can have a positive or negative impact depending on a person’s financial situation. These include:
- Borrowing money for investments like stocks 
- Borrowing to pay off existing loans 
 
With the UnaCash Credit Line, you don’t have to worry about getting into bad debt!
Enjoy worry-free shopping at UnaCash partner merchants with LOW interest rates, an approved credit line, and payment terms of up to 6 months!
What’s more, you can buy your favorite items now and pay for them later once you have enough budget!
Apply for the UnaCash Credit Line <a href="https://unacash.onelink.me/tNQS/1c1f57ca">NOW!</a> 
 
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What are good debts and bad debts, and how do you turn bad debt into a good one?


Utang 101: Good Debt and Bad Debt

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<a href="https://unacash.com.ph/creditline/merchants/computers-and-laptops/Makotek" target="_blank">Makotek</a> is an all-in-one website where you can score the latest and top-of-the line:
<ul>
<li>Laptops</li>
<li>Desktop computers</li>
<li>Smartphones</li>
</ul>
As well as
<ul>
<li>Computer parts</li>
<li>Accessories</li>
<li>Tablets</li>
</ul>
And even CCTVs at affordable prices!
Snatch more deals with Makotek even if you&#39;re on a budget with <a href="https://unacash.onelink.me/tNQS/c4475e11">UnaCash Credit Line!</a>
<ul>
<li>5% interest</li>
<li>Personal line of credit of up to P50,000</li>
<li>Flexible loan terms of up to 6 months</li>
<li>100% online application</li>
<li>And the option to use credit or cash!</li>
</ul>
<a href="https://unacash.onelink.me/tNQS/c4475e11">Apply for UnaCash Credit Line NOW!</a>
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Get 5% interest when you buy now and pay later from Makotek with UnaCash!

Get the hottest laptop deals NOW and PAY LATER from Makotek!

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Naghahanap ng loan pero hindi alam kung saan magsisimula? Or natatakot dahil baka malaki ang kailangang bayaran? Wag mag-alala, dahil naiintindihan ka namin! Madaling malito at mangamba kung wala kang gabay pagdating sa loans.
Kaya naghanda kami ng listahan ng mga bagay na dapat tandaan at itanong bago mag-apply ng loan!
 1. Magkano ang dapat i-loan?
Madaling mabigla pagdating sa mga utang. Nandyan ang loan amount, interest rate, iba pang fees, at kung paano babayaran ang lahat ng ito buwan-buwan. Kaya bago mag-apply ng loan, siguraduhin munang kaya itong bayaran at pasok ito sa iyong budget.
Malaking tulong din ang paglista ng iyong mga bayarin para malaman kung magkano ang iyong dapat i-loan. Unahin ang mga pinaka-importante at wag magloan para sa mga bagay na hindi agad kinakailangan. 
 
 2. Magkano ang sweldo o kita mo?
Malaki ang epekto ng sweldo o kita sa kakayahan nating magbayad ng loan. Dito rin magbabase ang bangko or private lenders kung ia-approve nila ang loan mo, magkano ang ibibigay nila sayong loan amount, at gaano katagal ang terms of payment ng iyong loan.
Kaya dapat nakahanda ang mga payslip na nagpapakita na kaya mong bayaran ang iyong loan. O kung walang payslip, ihanda ang mga dokumentong magpapatunay na may ng iyong kakayahang magbayad ng inyong loan. 
Most importantly, siguruhing pasok sa iyong budget ang monthly repayments ng iyong loan. 
 
3. Anong klaseng loan ang iyong kailangan?
Pagkatapos i-compute kung magkano ang iyong kailangang i-loan, piliin kung anong klaseng loan ang mas nababagay sa inyong sitwasyon. Merong dalawang klase ng loan base sa collateral: secured at unsecured. 
Secured Loan: Manghihingi ang lender ng kolateral bilang guarantee kung sakaling hindi mabayaran ang iyong loan sa loob ng mahabang panahon. Kadalasan, mas madaling ma-approve sa secured loans dahil dito. Ilang halimbawa ng kolateral ay bahay, kotse o savings account.
Unsecured Loan: Hindi kailangan ng kolateral sa lender. Mas flexible din ang mga ito at pwedeng gamitin para sa kahit anong gastusin. Kadalasan, mas mababa rin ang halaga ng iyong maaaring i-loan mula sa lender, di tulad sa secure loan. Ang mga halimbawa nito ay cash loans, salary loans, at personal loans. 
Pwede ring kumuha ng loan base sa interest rate at repayment terms na mas maluwag at swak sa iyong pangangailangan. 
 
4. Maganda ba ang standing mo sa bangko or private lender?
Makakatulong sa iyong loan application kung maganda ang standing mo sa bangko o private lender! Mas madaling ma-approve ang iyong application kung ikaw ay may kakayahang magbayad ng iyong loan.
Makakatulong sa inyong standing kung nagbabayad ka on or before due date, kung tama ang halagang binabayaran, at kung merong outstanding loans sa iyong pangalan
Maaari ring mag-request ng iyong credit report mula sa Credit Information Corporation upang makita ng mas detalyado ang impormasyong ito. 
 
5. Magkano ang babayaran mo buwan-buwan, interes, late payment fee, atbp?
Bukod sa outstanding loan amount, kailangan rin i-compute kung magkano ang interest rate ng iyong loan. 
Bukod dito, suriing mabuti kung ano pang mga uri ng fees ang kasama sa iyong loan principal, tulad ng late payment fee, processing fees, disbursement fees, at iba pa. 
Isa pang halimbawa ay kung mababa ang interest rate pero malaki naman ang processing fee at may hidden fees pa.
Ang mga fee na ito ay madaling makadagdag sa inyong mga bayarin kada repayment period. Madaling magkapatong-patong ang mga fee na ito kung hindi mapapansin.
Ang pag-apply ng loan ay maaaring nakakatakot sa umpisa, kaya’t makakatulong kung susuriinng mabuti ang bawat detalye tungkol sa inyong loan, loan provider, at mga nakapatong na fees bago mag-apply ng loan. 
 
<a href="https://unacash.onelink.me/tNQS/f70ef7e8">Kung gusto mo ng hassle-free cash loan na siguradong mabilis ma-approve, nandito ang UnaCash Credit Line para sa iyo! </a>
Sa UnaCash, hindi kailangan ng kolateral at maraming supporting documents! Ang risonableng loan terms at repayment schedule ng UnaCash loans ay sisiguraduhing mas hassle-free ang inyong loan repayment. Perfect para sa inyong mga bayarin at gastusin!
<center><a href="https://unacash.onelink.me/tNQS/f70ef7e8">I-download na ang UnaCash App!</a></center>
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Ito ang mga dapat ninyong tandaan bago mag-apply ng loan online!

Mga Dapat Tandaan Bago Mag-apply ng Online Loan

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You can’t predict financial emergencies. But you can prepare for it. 
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What are the advantages of the UnaCash Credit Line?
<ul>
<li>100% online. No need for face-to-face applications and paperwork. </li>
<li>Flexible loan terms of up to 6 months</li>
<li>Fast and easy application process. Perfect for financial emergencies!</li>
<li>Options to use credit or cash. All up to you!</li>
<li>0% up to 5% interest for Buy Now, Pay Later from our partner merchants </li>
</ul>
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What are the requirements to apply for the UnaCash Credit Line?
A valid government issued ID and a proof of income
List of Accepted IDs
<ul>
<li>Driver&#39;s License</li>
<li>SSS</li>
<li>UMID</li>
<li>Philippine Passport</li>
<li>Improved Postal ID</li>
<li>PRC</li>
</ul>
List of Accepted Proof of Income
<ul>
<li>Payslip (full time employees)</li>
<li>Mayor’s Permit (Small/Medium Businesses)</li>
<li>Bank Statements (Small/Medium Businesses)</li>
<li>SEC Certificate of Registration (Small/Medium Businesses)</li>
<li>DTI Registration (Small/Medium Businesses) </li>
</ul>
Frequently Asked Questions About UnaCash Credit Line 
 
What is a Credit line?
Credit line is an approved amount of loan from UnaCash that you can cash out or spend to buy items from our partner merchants. It allows you to “buy now, pay later” up to 0% interest rate.
How to use UnaCash Credit Line?
You can cash out your credit through our partner banks and stores and you can also use your credit to purchase items from our partner merchants. 
How much is the interest rate of the Credit line?
Credit line offers low interest rates for as low as 0% to as high as 5%. 
What do you need to apply for a credit line with UnaCash?
You just need 1 valid government issued ID and a proof of income to start applying for a credit line with UnaCash. 
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Credit line is an approved amount of loan from UnaCash that you can cash out or spend to buy items from our partner merchants. It allows you to “buy now, pay later” up to 0% interest rate.

What is UnaCash Credit Line?

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Gulat at saya ang naramdaman ni Rodel Quintano, 31 anyos mula sa Sta. Rosa City nang malaman niyang nanalo siya ng isang iPhone 13 Pro mula sa raffle ng UnaCash noong Nobyembre 29, 2021. 
 

Mula sa 1,057 na sumali sa raffle, si Rodel ang maswerteng nakapag-uwi ng brand new Sierra Blue iPhone 13 Pro na may 128GB memory na kanyang na-claim sa UnaCash office noong Disyembre 13, 2021. 
 
Naibalita kay Rodel ang kanyang pagkapanalo via text message at nakompirma niya ito nang makita ang balita sa official <a href="https://www.facebook.com/UnaCashPH/">Facebook page ng UnaCash</a>. 
 
Payo ni Rodel sa mga aplikante ng UnaCash ay “keep on joining” dahil di natin alam kung kailan tayo suswertehin at mananalo. 
 
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Ang UnaCash ay isang loan app kung saan maari kang humiram mula 2,000php hanggang 50,000php na may flexible loan terms ng hanggang 6 na buwan. Isang valid government ID lang ang kinakailangan upang makapag-apply. 
 
Maari na rin gamitin ang UnaCash loan bilang Credit Line upang mamili sa UnaCash partner merchants. Matapos ma-approve ang inyong application, piliin lamang ang “Buy Now, Pay Later” sa UnaCash app para makapag shopping sa aming partner merchants, tulad ng Evegrocer, Zenith Hub, at iba pa. 
<a href="https://unacash.onelink.me/tNQS/d4e1add">APPLY NA!</a>
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Congratulations Rodel Quintano for winning the iPhone 13 Pro during UnaCash's raffle last November 29, 2021. 

Winner ng UnaCash iPhone 13 Pro raffle “happy and nagulat” 

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Ang personal cash loans ay uri ng pautang kung saan maaring mapaliit ang inyong unang gastos at mahati ang buong presyo nito sa ilang bayaran sa loob ng maraming buwan. 
Sa paraang ito, mas napapagaan nito ang iyong unang gastos at mabilis na ninyong mababayaran ang ibang bagay na mas agarang kinakailangan. 
Ayon sa data ng <a href="https://www.ceicdata.com/en/about-us" rel="nofollow" target="_blank">CEIC</a>, biglaang tumaas ang dami ng pamilyang nagkakaroon ng utang at simula Enero 2020, patuloy itong tumaas hanggang Enero ng 2021. 
Bagama’t makikita ang pagbaba nito mula Enero 2021 hanggang Abril 2021, makikitang mas mataas parin ito kumpara sa mga nakaraan taon. 
<img src="https://unacash.com.ph/uploads/Stat_f8c1ea6783.png" alt="Stat.png"> 
 
Sa kabila nito, maraming Pilipino parin ang kumukuha ng cash loans. Bakit nga ba? 
<h2>1. Biglaang medical emergencies. </h2>

Ayon sa isang pagsusuri ng <a href="http://myfinancemd.com/cost-getting-seriously-sick-philippines/?fbclid=IwAR0bMn9rV9bKiaVThSV-mipAH4lqhlMpV2nHBrvYQLlKQTY0ZVOXqBhuRZ4" rel="nofollow" target="_blank">Philstar</a>, 84% ng Pilipino ay hindi handa sa mga biglaang gastos pangpaospital at pangbili ng gamot. Mahigit 50% din sa mga Pilipinong nagkakasakit ay kumukuha ng pangbayad sa sarili nilang bulsa. Iilan lamang ang kumukuha ng pangbayad sa Philhealth, sa gobyerno, o sa health insurance. 
 
<h2>2. Biglaang paglipat sa digital platform. </h2>

Sa kabila ng pagiging digitally trustful ng mga Pilipino, nasa mbabang rank parin ang Pilipinas pagdating sa digital readiness, ayon sa isang pagsusuri sa mga bansa sa Asya. Mula sa 90 na kalahok, nasa 63rd place ang Pilipinas pagdating sa kahandaang digital. 
Mula sa imprastraktura, kakayahan at kaalamang ilipat ang ating mga proseso mula manyal na proseso patungong digital ay bahagyang mabagal. 
Halimbawa na lamang nito ang paglipat ng eskwela mula face-to-face learning patungong online classes. Bigla nalang kinailangang magkaroon ng laptop o cellphone ng mga pamilyang hindi naman ito kinailangan nuon at hindi pinaghandaan ang bilaang gastos. 
Dagdag na dito ang biglaang pangangailangan sa mas maayos at mapagkakatiwalaang internet provider para sa mga empleyadong work from home at mga batang may online classes. 
 
<h2>3. Inflation rate mula 2.48% noong 2019 sa 4% ngayong 2021.</h2> 

Sa halos pagdoble ng inflation rate mula 2019 sa 2021, hindi maipagkakaila na mas mahirap at kukulangin pa talaga ang ating kinikita upang mapunan ang ating mga pang araw-araw na pangangailangan. 
Hindi pa kasama rito ang pagdagdag ng mga basic needs na nuon naman ay hindi naman natin isinasama sa priority tulad ng load at internet. 
 
<h2>4. Mas may oras na para sa hobbies at leisure. </h2>

Matapos magwork from home ng karamihan ng manggagawang Pilipino, nagkaron ng bagong opotunidad at pagkakaon ang mga Pilipino upang mag-explore ng iba’t ibang klase ng pagkakaabalahan tulad ng staycations, pandemic projects, at bagong hobbies. 
Habang nakakaexcite magkaroon ng bagong hobbies o kung ano mang pagkakaabalan upang muling ganahan sa buhay, di parin maipagkakaila na lahat ng ito ay kinakailangan parin ng funds bago magawa. 
 
<h2>5. Pambayad ng iba pang utang. </h2>

Utang kay mare at pare? Utang sa bangko? Utang sa credit cards? 
Ang mga uri ng pautang na ito ay kadalasang may penalties o additional charges pag ikaw ay nakalimot o lumampas sa takdang araw at oras ng pagbabayad. Sa pamamagitan ng pag kuha ng <a href="/">cash loan</a>, maaring mapahaba ang repayment period na ito hangga’t sa kaya mo itong bayaran. 
 
Sa dami ng cash loans ngayon, di na maiiwasang magpatong patong ang mga utang. Paano ba natin masisigurado na hindi tayo malulubog sa utang at paano natin maiwasan ang mga problemang kaakibat nito?
<ol>
<li>Suriin at magkumpara ng interest rates. </li>
<li>Huwag magsabay ng 2 or tatlong loans. </li>
<li>Siguraduhing pasok sa budget ang monthly amortization. </li>
<li>Huwag kalimutan ang repayment schedule upang maiwasan ang penalties at addtional fees. </li>
</ol>
Sa hirap ng buhay ngayon, kinakailangan talaga maging wais sa paggastos, paggawa ng budget, at cash loans partner na kaakibat mo sa iyong pang araw-araw na pangangailangan. 
Kaya naman ang UnaCash loans ay narito upang magbigay sa inyo ng tulong pinansyal. Ano pang hinihintay mo? <a href="https://unacash.onelink.me/tNQS/803ddcfd">I-download ang UnaCash app</a> at mag-apply na! 
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Ang biglaang pagtaas at pagdami ng cash loans applications ay dulot ng maraming bagay. Heto ang karamihan sa rason at paano masisiguradong hindi malulubog sa utang. 

Cash Loans are Increasing | Here's why | UnaCash

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Cash Loans are Increasing | Here's why

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There are lots of loan providers out there. While banks and government agencies are still reliable lenders, financing companies have sprouted left and right, offering fast and convenient service to those who need quick loans.
Let’s explore these popular ways to loan money and see which one is right for you! 
 
<h2 id="1-banks">1. Banks</h2>
People have long been relying and trusting banks when it comes to loans. This is because banks offer numerous loan products such as mortgages, personal loans, auto loans, housing loans and others. You just go to your preferred branch, submit your application form and supporting documents, wait for the loan processing, and you’re good to go!
However, getting a loan from banks can be quite tedious. Banks require a lot of documents and the waiting time can be long. Fortunately, digital advances have helped simplify the whole process to some extent. 
 
<h2 id="2-government-agencies">2. Government agencies</h2>
Similar to banks, loaning from government agencies is pretty straightforward, sometimes with more flexible terms. Whether you’re a government employee or working in the private sector, agencies offer loans that can be used for whatever purpose.
On the other hand, agencies also require a lot of documents and can take a long time to process loans. In the Philippines, loan applicants would also be required to fulfill a minimum amount of contributions before they can be eligible for loans. And the maximum amount of loan is dependent on the total number of the loan applicant&#39;s contribution. 
Not to mention that some agencies require you to submit documents physically, which can be burdensome in this time of the pandemic. 
 
<h2 id="3-financing-companies">3. Financing companies</h2>
Digitalization has paved the way for financing companies to flourish, especially during this pandemic. These companies offer quick loans through an app or a website, without the need for physical documents or a long wait time. 
They offer flexible rates and terms depending on the borrower’s salary or paying capacity, and can process loans faster than banks or government agencies. 
 
We know that flexibility and convenience matters most when it comes to <a href="/">cash loans</a>. You can never go wrong with UnaCash! You get loans with reasonable rates and flexible terms, plus there’s no need for physical documents or a long processing time! 
<a href="https://unacash.onelink.me/tNQS/4012c6db">Download the app now!</a>
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Banks, government agencies and financing companies are the most popular ways to loan money.


Three most popular ways to loan money - UnaCash

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Three most popular ways to loan money

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Having a good credit score does wonders to your finances. But what if you’ve accumulated too much debt or skipped several payments? Your credit score will surely take a hit and lenders would hesitate to grant you more loans, which could be problematic especially when you need it the most. You will be charged higher interest rates or offered lower spending limits. 
 
<h2 id="so-how-do-you-improve-a-bad-credit-score-">So how do you improve a bad credit score? </h2>
 

<h3 id="1-get-a-credit-score-report">1. Get a credit score report</h3>
You can request a credit report from the Credit Information Corporation (CIC). A credit report contains your personal information as well as important details about your loans, mortgages, credit cards, and other financial transactions. In turn, lenders use this information to decide whether to grant you a loan or not. 
 
<h3 id="2-pay-off-existing-debt">2. Pay off existing debt</h3>
Not only will paying your debt give you a peace of mind, it will also give banks and lenders the impression that you have the capacity to repay every loan or credit. 
 
<h3 id="3-avoid-late-payments">3. Avoid late payments</h3>
Sometimes, we skip out on our due dates for various reasons. But not paying your bills on time can tank your credit score. To avoid this, set a reminder before every due date or automatically deduct payments from your bank account, and keep track of every outstanding bill. 
 
<h3 id="4-be-mindful-of-your-credit-limit">4. Be mindful of your credit limit</h3>
Going overboard on your credit cards gives lenders the impression that you’re highly dependent on credit. Also, space out your credit card and loan applications as much as possible. This can lead banks to assume that you’re spending more than you’re earning and will lead to a lower credit score. 
 
<h3 id="5-consolidate-your-credit-debt">5. Consolidate your credit debt</h3>
If you’re finding it hard to pay off all your debts, you can look into consolidating them all into an account with lower interest rates. For example, a balance transfer credit card has interest rates ranging from 0% to 2%, so most of your payments will cover the principal balance instead of the interest. 
A bad credit score does not automatically mean that your financial standing has been permanently damaged. While it may take some time to build it back up, doing little steps like the ones we outlined above can make a huge difference. 
So next time, before you apply for <a href="/">a cash loan</a> or swipe that card, make sure that your monthly budget can cover these expenses to avoid incurring debt. Also choose credit cards or lending companies that offer the lowest interest rates, perks that negate the interest rate, and easy repayment options. 
 
Speaking of loans, UnaCash offers low interest loans and easy repayment options. <a href="https://unacash.onelink.me/tNQS/31d7ef67" target="_blank">Download the app</a> and apply for a loan with just 1 valid government ID! 
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Here at Unacash, we're giving you tips on how to improve a bad credit score. Read it right now!

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