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?

  1. Start early ka na na mag-impok sa banko;
  2. Kumuha ng credit card BUT use it responsibly;
  3. Stay in your job dahil for the meantime dahil magagamit mo din yang years of employment mo; and
  4. 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!

Looking for a Preschool in Baguio City? Take this Bright Hope Online Inquiry

Are you still scouting for a preschool for this coming school year?

Here are 5 reasons why BRIGHT HOPE ROOM FOR GROWTH INC., is the best choice for your child’s early learning needs:

1. SMALL CLASS SIZES

Each class for Toddler, Nursery, Pre-Kinder and Kindergarten Programs will consist of twelve (12) pupils maximum.

small class size
Bright Hope Room for Growth Inc., is a premier Preschool and Kindergarten School in Baguio City located at the 2nd and 3rd floor of Luke Foundation Bldg., Leonard Wood Road, Baguio City.

2. FRIENDLY, PATIENT, AND LOVING TEACHERS AND STAFF

Bright Hope team understands that children need to feel loved and safe wherever they are.  Bright Hope does not tolerate child abuse.

bright hope teacher
Here at Bright Hope, we promote activities that help a child to become a well rounded person.

3.  QUALITY EDUCATION THAT CATERS TO ALL ABILITIES

Bright Hope programs are carefully designed and chosen to achieve a world class standard.

4.  DEVELOPMENTALLY APPROPRIATE ENVIRONMENT

Bright Hope was founded on a belief that learning should be fun.  At Bright Hope, we make sure that all activities are age appropriate.

developmentally app

5.  CHRISTIAN CURRICULUM 

Bright Hope is a bible believing school and so most of the books used have bible integration.

6. FLEXIBLE PAYMENT SCHEME

We have a very convenient monthly payment scheme that will help you budget and pay your child’s school fees with ease.

Want to know more?

Visit our facebook page and send us a message or fill out the form below so that we could contact you as soon as we read your message.

 

BRIGHT HOPE KINDER SCHOOL, Baguio City: Bright Hope Room for Growth, Inc.

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BRIGHT HOPE KINDER SCHOOL, Bright Hope Room for Growth Inc., Located at 2nd Floor, Luke Foundation Building, #90 Leonard Wood Road, Baguio City. Contact 09178120753 for inquiries.

“Train up a child in the way he should go, and when he is old, he will not depart from it.” – Proverbs 22:6.

Inspired with the verse above, Bright Hope Kinder School, one of the newest Kinder School in Baguio City successfully had its Moving Up Ceremony last May 16, 2015.  There were 13 BRIGHTONS who graced the stage to receive their symbolic Moving Up Key. Some will be moving up to Kinder 1 and Kinder 2 respectively.

Here are a few photos of the event:

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Michael, receiving his Symbolic Moving Up Key.

glowing eyes
Their eyes glow in amazement as they see memorable photos of them projected on the screen. In the photo from left to right: Zion, Angelo, Jhared, Samantha, Yves and Athea.

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The 8am class declaring what they want to become when they grow up. (In the photo from left to right:  Michael, Jhared, Zion and Daarun)

10-30 Class
The 10:30am class performing for their parents and guardians. (In the photo from left to right: (Top) Julian, Yves, Wyette, Masen, Angelo (Bottom) Althea, Yazmien, Yani and Sam.

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Story teller Jhared and actress Sam.

It was one brief school year filled with laughter, fun and learning.  These children gave us overflowing inspiration and strength to fulfill our mission and reach our vision for Bright Hope Kinder School, Bright Hope Room for Growth, Inc.  We thank the parents and guardians for partnering with us as we continue to journey with your children in their learning process.

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We encourage you dear parents and guardians to visit our center at 2nd Floor, Luke Foundation Building, #90 Leonard Wood Road, Baguio City.  We offer Nursery, Kinder 1 and Kinder 2 classes in small groups.  Classes will start on August 3, 2015.  Reservations ongoing. For inquiries please call or text 09178120753.

ALL ABOUT BRIGHT HOPE KINDER SCHOOL:

OUR PHILOSOPHY: “We believe that each child is a unique gift from God and that they have an innate desire to learn about the wonders of this world that God created.  Therefore, we should encourage, promote, refine and preserve this natural curiosity.

We believe that a child’s early school experience is important because it lays the foundation for all future educational experiences.  We must strike a balance between fanning the flames of learning in the children we teach and the need to help the learn self-discipline and self-control.

We believe that each child has their own learning style and we recognize that each develops at his or her own pace.  Thereby, we strive to provide rich opportunities for learning and growth that are age-appropriate, multi-sensory and experiential.

OUR MISSION “is to provide children with the experience of learning in a loving environment particularly through…

BUILDING the confidence of a child in learning;

RESPONDING to a child’s academic, personal, and social needs;

IGNITING a child’s curious and inquisitive mind;

GUIDING a child in developing life skills;

HIGHLIGHTING a child’s strengths;

TREATING a child with patience and as a unique individual;

OUR VISION “To be a trusted entity in the field of Pre-School and Kindergarten education and learning support services, molding and inspiring children to reach their God-given potential.”

IS THERE A BABY SCHOOL IN BAGUIO CITY?


(Pic: Cassy started in our Jolly Baby Class Program and is now enrolled in Bright Hope's full year Toddler Class Program)

My wife and I started BRIGHT HOPE ROOM FOR GROWTH INC., six (6) years ago.  A venture that we started our of passion and purpose. It was a tutorial center then in Barangay San Vicente, Baguio City. We had grade school to high school tutees and even had the opportunity to teach non-readers from the nearby public school out of the goodness of our friends who shouldered their tutorial fees.

Since tutorial centers are mostly only full in the afternoon, we had to look for ways to fill the hours that our center was not being used.  One day, when I was walking along the street in our barangay, I saw a lot of mothers holding babies from ages 1 to 2 years old, so I started to have an idea.  I did my own research as to how early a child can go to school and came to a conclusion that “the earlier, the better”.

So in the first quarter of 2012, I gathered my neighbors and some of my school batch mates and convinced them to enroll their 2-year old babies in our toddler program.  Most of them were hesitant and said that it was too early for a child of that age to be in school but they registered anyway and from then on, we all saw wonders every single day.

On October 24, 2013, an article from the Philippine Daily Inquirer further confirmed the relevance of starting early and I quote:

“The average 18-month-old can say about 10 to 30 words, but some normal 18-month-olds can say only five words. Sometimes I see a toddler of the same age who can say more than 70 words and can put these words in combination to form phrases or sentences. Kate, Trevor, Ryan and Cameron, all my patients, were already talking like a three-year-old when they were 18 months old. Trevor, at 15 months, was able to say more than 40 words when most of his peers could say only three to five words. Our son Len, at 24 months, was able to read the words “Toyota” and “Subaru.”

What do all of these children have in common? They were lucky to have parents and grandparents who started talking with them from the first day of life. They read to them early on and continued reading every night as part of their bedtime routine. These toddlers were fortunate to have parents who challenged and stimulated their brain cells during the first 12 months of their life by frequently talking, reading, counting, adding, singing, and playing in a happy way.

Unfortunately, most parents have the wrong idea that education starts at Grade K. To have happier and smarter children, education must begin during the first 36 months. This is the “golden window” of opportunity for parents, grandparents, daycare workers, babysitters, and nannies to make a huge difference. And for a dramatic educational outcome, educators and policymakers should look into this “golden window” of learning and apply recent cognitive research on how to boost babies’ language and brain development in their curriculum.”

As the article stated, babies are blessed to have people around them who can challenge and stimulate their brain cells while they are developing.  Let us not neglect this stage and take this once in a lifetime opportunity to raise geniuses out of our babies. So parents, your babies can go to school too!  It is just a matter of carefully looking for the best program that would suit their needs and their personality.  Happy parenting everyone!

Note: To read the full text of the Philippine Daily Inquirer article, visit:http://opinion.inquirer.net/63987/golden-window-to-have-a-happier-smarter-child/comment-page-1

Bright Hope Room for Growth, Inc., is located at the 2nd and 3rd Floor, Luke Foundation Building, #90 Leonard Wood Road, Baguio City.  We offer Baby, Toddler, Nursery, Pre-Kinder and Kindergarten classes in small class sizes. For inquiries, contact us through the following numbers:

Principals Office: (0917) 656 2006
Admin Office: (0917) 145 2381
Land Line: (074) 424 2647