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Collateral

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1 Collateral on Thu May 11, 2017 12:33 pm

Leona21


Arresto Menor
Greetings! I hope someone can help me here.. sinangla kase ng parents ko ung house and lot nmen for 180,000.. ung cost ng property is 1.3million. 3% a month ung interest ng loan. Nasa 5 yo 6 yrs na kame nagbabayad 93k pa po balance since most of the time interest lang nababayad nmen a month. May batas po ba tau para tanggalin na interest or iconsider na wala na collateral since sobrang laki na ng nababyad nmen? Wala na po kase business nmen kaya tumagal ung payment. Thank you sa sasagot in advance! Godbless..

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2 Re: Collateral on Thu May 11, 2017 3:01 pm

Katrina288


Reclusion Perpetua
Pwede kayong magrequest ng restructuring ng loan ninyo sa bank o sa financial institution na pinag-utangan ninyo. Contract po kasi yan, kaya kailangan mag-agree ang both parties sa terms kung babaguhin man.

Kung umabot man kayo sa korte, may mga kaso din kung saan sinabi ng Supreme Court na reasonable naman ang 36% annual interest.

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3 Re: Collateral on Thu May 11, 2017 4:35 pm

Leona21


Arresto Menor
Got it.. maraming salamat po.

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4 Re: Collateral on Wed May 17, 2017 2:31 pm

akocgrace


Arresto Menor
Hi po, nagbabakasakaling makahingi po ako ng advice nalilito ako anu po dapat namin gawin.
Nakasangla po ang lupa namin sa tao matagal na po at ma end na sana ang kontrata ng pagsangla sa 2020, pero last 2yrs po kinausap ng sister ko ang pinag sanglaan ng lupa kung pwede namin matubos na sana ang lupa kahit di pa tapos ang kontrata pero di sila pumayag dahil hindi pa daw po tapos ang kontrata, pero may 16, 2017 sinugod nila si mother ko at pilit pinatutubos ang lupa namin in 3 days at nagbanta sila na ipatubos sa iba ang lupa namin, kinausap ko ang nanay ko at sabihin bigyan ako ng 6months para malikom ang 65thousand na pera pero hindi sila sumagot, anu po ba pwede namin gawin?
Thank you in advance po.

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