4 Tips para makautang sa bangko (without collateral)
Starting a business can both be exciting and stressful! Exciting yung thought that people will be patronizing your business idea. Stressful naman yung part kung paano mo sisimulan, kung saan ka kukuha ng capital. (So ang article na ito ay para sa mga nagsisimula na walang wala)
Many years ago, my wife and I hopped from one bank to another hoping that we could borrow money to expand our business. We were dreaming of making it big with the help of whichever bank na willing to help young and promising entrepreneurs like us. (Kasi nababasa mo ito sa magazine diba, yung tipong they became successful with the help of banks at ang gaganda pa ng ngiti nila)
Pero nabigo kami because we realized na parang banks only lend money to people who have money. Ang saklap!
Paano naman tayo na nagsisimula sa wala? Pero yan ang systema. Wala tayong magagawa. So we decided to just focus on the positive kasi kahit na magwala naman kami sa harap ng mga bangko, di lalong di sila magpapahiram. Haha.
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Besides, baka di pa naman kami handa. Yun nalang inisip namin. (Bitter bitter lang na feeling ng mga taong hindi pina-utang haha, pero totoo ito. There is always time for everything)
Ang ending, since walang gustong magpahiram sa amin at mahirap din naman humiram sa mga tao because they add too much interest, we just waited for the right time.
Ang systema ngayon, kung wala kang collateral, wala kang naka-deposit na pera sa banko, wala kang kumikitang business, o wala kang employment – wala kang mahihiram.
If you are a budding entrepreneur and you really believe that you have something to offer, do not be discouraged.
Ang payo ng mga bangkero, you have to build a reputation with a bank.
How? Based on experience, I can only share the following 4 tips.
1) SAVE MONEY IN THE BANK – If you ask friends who work in a bank, they will reveal to you that they usually contact people with deposits in the bank and they encourage these people to borrow money for a minimal interest. Grabe diba? Bakit sila? Kasi napakita nila na may capacity to pay sila. At yun ang gusto ng kahit na sinong magpapa-utang.
Iniisip ko noon, kalokohan. Kasi, kung may 50k ka for example sa bank, tatawagan ka para pautangin ng 50k with interest. Haha. Parang pinapautang lang yung pera mo sa iyo. Pero ganun talaga, hangga’t mapakita mo na maayos kang magbayad, gaganda din ang credit standing mo at darating ang panahon na pwede ka na nilang pautangin ng mas malaki even without any collateral.
Gusto rin ng bank na makita na may movement yung pera mo doon sa bank like may deposits and withdrawals. I suggest huwag na huwag kang magbebelow maintaining balance para hindi nila isipin na walang wala ka na. (Dumarating naman tayong lahat sa point na yan you know, pero tiisin mo para tumaas ang credit standing mo)
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2) OBTAIN A CREDIT CARD – Noong una, hindi ako naniniwala sa credit card. Kasi nga daw mababaon ka sa utang. So ako naman, kapag may nagbibigay noon ng credit card, my wife and I immediately cut it into two pieces. At feeling namin ang galing galing namin because we are making a wise financial decision. Hangang dumating sa punto na iyon naman na ang hinahanap ng bangko bago kami maka-loan.
I tried getting a credit card pero nadedeny na din kasi for one wala akong pera sa banko at ako pa ay isang abogado (risky daw mabigyan ng credit card ang isang abogado na walang pera sa bangko haha). Fortunately, years ago, we have a colleague who referred us to a bank na nakatulong para mabigyan kami ng credit card. Kahit mababang credit limit, okay na for a start. What we did was to really use the card for all our transactions and pay it on time. At dumating nga ang panahon na tatawagan ka na mismo ng bangko para pahiramin ka ng pera dahil ang payment history mo ay on time. Ang ibig lang sabihin nito, mapagkakatiwalaan ka na daw sa konting halaga. Hehe.
At compared sa uutang ka mula sa isang tao, mas malayong mababa ang interest dito, as low as less than one percent per month, siyempre yung mga mas mabango sa bangko, mas mababa pa diyan.
So with good credit card standing, you can borrow without a collateral. Just having a good credit standing is enough.
3) STAY IN YOUR JOB FOR MORE THAN 2 YEARS. If you are employed, some banks offer salary loan at tinitignan nila kung gaano ka na katagal sa trabaho. Kung palipat lipat ka, that means wala kang stability at matatakot yung bank na baka one day ay wala ka nang work at di mo sila mabayaran.
Kaya if you plan to borrow from a bank for business capital and you don’t know where to start. Stay in your job muna dahil magagamit mo din yan for credit standing. Isa rin itong magandang tip para makakuha din ng credit card kasi usually dapat one year ka sa work muna bago ma-approvan ang credit card application mo.
4) PAY THE RIGHT TAXES. For some banks, they require your income tax return for the last 3 years. Kung wala kang maipakita, goodbye loan application din. If you are self-employed, better pay your taxes. No income tax return means no income din so paano ka pahihiramin ng bank? So if you think this document will help you, better pay your income tax.
Yes, ang process na ito will take time. It will take years. But we have no choice because life is a process. Lalo na sa atin na walang minana at nag-uumpisa sa sariling sikap. Kesa naman umutang ka sa 5/6 na ikababaon mo rin lang. diba?
Lesson learned?
- Start early ka na na mag-impok sa banko;
- Kumuha ng credit card BUT use it responsibly;
- Stay in your job dahil for the meantime dahil magagamit mo din yang years of employment mo; and
- Pay your taxes if you are self-employed as proof that kahit papaano ay may income ka.
So there, sana may natutunan tayo today, I am excited for all of you, don’t be discouraged but be excited as you prepare for your future!! Blessings!
