Ngayon pwede ng makapag apply ng loan ang OFW nandito man sa Pilipinas o yong nagtatrabaho na sa labas ng bansa. Meron tatlong categorya ang OFW sa buong mundo. Pag sinabing OFW, sila yong tinatawag nating bagong bayani. Sila ang nagbibigay pag-asa sa bawat pamilya at pati na rin sa bayang Pilipinas.
1. Pinoy Abroad
2. Land-based OFW
3. Sea-based OFW
Itong tatlong klaseng OFW ay pwede ng makagpag-apply ng loan sa https://www.ecomparemo.com/ofw-loan Dahil sa matinding pangangailangan, kahit OFW ay kinakapos din sa budget minsa kaya kailangang lumapit sa mga lending companies para ma solusyonan ang mga financial problem na pinagdaanan.
Ito'y isang uri ng loan na ang pwede mag-apply ay ang mga OFW na nandon na sa ibang bansa nagtatrabaho (Non-Apperance for the borrowers). Kahit wala sila sa Pinas, pwede pa rin silang makapag-apply ng loan. Ito'y pwede sa land-based at sea-based OFW. Wag kayong mag-alala dahil ito'y non-collateral loans.
Land-based OFW Loan
Nagtatrabaho na ito sa ibang bansa pero kailangan sa pag-apply nyo ng loan, nasa Pilipinas kayo, at kayo mismo ang nag-asikaso sa loan application nyo. Nag-o-offer sila ng lowest interest rates.
Sea-based OFW Loan
Loan ito para sa mga seaman na umuwi ng bansa pero na short sa budget kaya kailangan ng financial assistance mula sa ecomparemo.com.
Ang tatlong nabanggit na uri ng OFW ay pwedeng makahiram ng P50K, P100K o P300K. Meron itong 2.49% interest rate. Ito ay may tenure na 3-12 months (bayaran sa loob ng isang taon o dalawa) Ang bawat approved loan ay merong ibabawas na 5% para sa processing fees.
OFW LOAN PURPOSES
1. Education
2. Pre-deployment fund
3. Business Opportunity
4. Vacation Funding
5. Debt Consolidation
6. Emergency Fund
What do banks and loan lenders usually look for when evaluating an OFW loan applicant?
A Filipino Overseas Workers with a valid contract whether working under an agency or direct hire Must be at least 21 years old or not less than 65 years old upon loan maturity
Minimum basic salary of at least P20,000 (any foreign currency equivalent) and up
For land-based and sea-based loan, applicants must be here in the Philippines to personally apply for a loan. For Pinoy Abroad loan, applicants can apply even from overseas
Must have a co-borrower (should be an immediate relative with a stable source of income)
OFW Loan requirements
Photocopy of two (2) valid IDs (any government issued ID, e.g. PRC ID, Driver’s license, TIN, NBI, Passport etc. with picture and signature)
Latest Contract of Deployment or Working Visa
Photocopy of OEC (POEA Overseas Employment Certificate) Plane ticket
Proof of residency under the name of the borrower (latest electric or water bill). If not in the name of the borrower, you must submit additional proof of residence such as Police, NBI or Barangay Clearance
Co-Borrower qualifications
Must be 21 to 59 years old upon loan maturity
Should be an immediate relative (parents, spouse, brother/sister)
With a stable source of income
Co-Borrower requirements
If employed (latest 2-3 months payslip, and certificate of employment)
If not employed but with existing business (copy of business permit like DTI)
2x2 picture (2 pieces)
Any 2 valid IDs
Latest proof of billing (electric or water bill)
Paano po mag apply
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