An employee salary loan is essentially a loan provided by an organization to an employee that can be paid either in full or through installments through their next pay day. Lahat ng indibidual na may trabaho ay maaaring kumuha ng salary loan pag nakamit nila ang mga kinakailangan at mga requirement na itinalaga ng kanilang organisasyon.

Dahil diyan, depende sa iyong kumpanya, ang pagkuha ng salary loan ay medyo magastos, hindi lamang pag dating sa interes na binabayaran, pero pati sa gastos ng pamasahe at oras na nilalaan para matapos ang mga requirement. Thanks to institutions like PERA HUB, the hassle that’s normally associated with salary loans is considered a thing of the past. Before getting to the nitty gritty of however, you need to be aware what a salary loan entails and what it will mean for your present and future. Here are a few things you need to know before getting an employee salary loan.

Ano Ba Ang Halaga Ng Pagkuha ng Salary Loan?

Maraming dahilan kung bakit kumukuha ng salary loan. Kung ikaw ay eligible na mag-apply para dito, hindi ibig sabihin na dapat mo na lang kunin dahil lang gusto mo. Kailangan mong malaman KUNG BAKIT ka kumuha at BAKIT ito mahalaga.

More often than not, the reason most people apply for a salary loan is because of a family emergency. Someone needs to go to the hospital and needs to get a specific procedure done or requires immediate medical attention that can only be provided once monetary requirements are met. Even a death in the family can require a salary loan because of the costs associated with the wake, burial and other funeral rituals due the deceased individual. Walang mali sa pagkuha ng salary loan para sa mga ganitong pagkakataon - anything that has to do with life and death is a valid reason for getting one.

There’s also the matter of your children’s schooling and tuition fees. Depending on how parents enroll their children to their school of choice, some fees need to be paid that simply aren’t in the current budget. This usually happens during major examinations, and no good parent would want their child to miss out on them. Sa mga panahong kailangan ng magulang ng tulong pinansyal sa pagbayad ng matrikula, ang pagkuha ng salary loan ay isa sa mga best options.

If you have entrepreneurial aspirations, study your business plan and double check its feasibility. Once you have done so and you’re 100% ready to take that risk most entrepreneurs are known for, then apply for a salary loan. At the end of the day, ang iyong negosyo ay mangangailangan ng puhunan o pondo, at ang isang masasandalan ng isang negosyante pag dating sa dagdag puhunan ay ang salary loan.

There’s also the matter of handling monthly expenses concerning utility and household bills. While it’s tempting to get a salary loan to resolve these issues, it might be worth looking at some subscriptions and reflecting on whether you need these or if you can without them. Utilities like electricity, water, rent are obviously non-negotiables, pero mainam na ang mga bayaran na ito at iyong macontrol, upang maiwasan ang pag over-budget.

Of course, if you nor a loved one isn’t in dire need of money, getting a salary loan needs to be considered more carefully. If it’s because you feel like you need to get a new motorcycle or a new TV, then it’s strongly encouraged that you think twice. Unless you’ve exhausted all possible solutions that can help you save up on money, then getting these wants can probably be delayed until further notice.

Sa madaling salita, suriin ang dahilan ng pag loan, at isipin ng mabuti kung talagang ito ay kinakailangan. There is always a consequence to getting any kind of loan, and whether or not it’s worth what you get in return is something you can verify in advance.

The Effects Of Getting A Salary Loan

Ang paghiram ng pera ay laging may interes kasama na ang pagbabayad nito. Kaya't mahalaga na suriin kung bakit ka kumuha ng salary loan upang malaman kung sulit ito sa pagbabayad. Depende sa mga kasunduang pagbabayad na napag-usapan mo sa iyong employer at/o bangko, maaaring maapektuhan ang iyong buwanang budget para sa mga bayarin sa bahay at iba pa, kaya't siguraduhing mag-plan nang maayos.

Bago mag-apply para sa salary loan, tiyakin na maayos ang iyong mga bayarin. Kasama dito ang kuryente, renta, pagkain, transportasyon, at mayroong konting pera para sa mga hindi inaasahan na pangangailangan. Isa sa mga hakbang ay ang pag-aayos ng iyong mga gastusin para ma-kompensate ang nawawalang pera dahil sa pagbabayad ng loan. Pagdating sa mga utility bills, simulan ang pag-track kung magkano ang iyong ginagastos sa kuryente at tubig. Tulad ng nabanggit kanina, alamin kung aling mga subscription services ang hindi mo talaga kailangan at itigil ang mga ito.

Gawin ang nararapat para makatipid o maka-iwas sa mga di kinakailangang gastusin, but make sure that you and your family live comfortably. Life is hard enough as it is and, if you think it’s going to compromise what little comfort or happiness you can get, then perhaps you should think more than twice about that salary loan.

Requirements Para Makakuha ng Salary Loan

Another important consideration you need to make is the requirements for getting an employee salary loan. In the first place, are you eligible for one? Are you willing to spend the necessary resources to meet these requirements?

For this particular example, you can take a look at the requirements for getting an SSS employee salary loan. In order to get one, you need to be eligible first. Minimally, you need to be an SSS member na nakapag hulog ng kontribudyon na may total na 36 months - this qualifies you for a month’s worth of a salary loan. The longer you’ve been contributing, the higher the loan amount you can get. For example, if you’ve been contributing for a total of 72 months, you can apply for a two-month salary loan.

Since you’re employed, your employer should have updated loan remittances and monthly contributions. Kaya maganda ring maging mabusisi sa pag tiyak na ang iyong mga hulog ayna uupdate ng iyong employer sa tamang oras.

Once you’ve established your eligibility and how much you’d like to borrow, ito ang iyong mga kakailanganin:

1 SSS digitized ID or E-6
2 valid photo IDs
An SSS online membership

Once you have these ready, all you need to do is submit your loan application (online, through an accredited SSS loan partner or through one of its branches) and wait for a couple of days. Bakit kailanganin alamin ang mga kinakailangan bago mag loan? Apart from the eligibility, depending on the method with which you apply, you’re spending time and resources to meet these requirements. By being aware of them, you know how you can adjust budgeting both your time and money in the pursuit of a salary loan.

At the end of the day, knowing what it means to get a salary loan is half the battle. The other half that is waiting and working through paperwork can be a hassle.Thankfully, having a helping arm like PERA HUB that helps process loan applications can help ease this particular phase. If you want to learn more, feel free to visit this web page: https://perahub.com.ph/loans-services/. If you have questions, you can also call this number: (+632) 8812-9209.

References:

https://www.fuzu.com/forum/article/4-questions-to-ask-before-taking-a-salary-loan

https://www.moneymax.ph/government-services/articles/sss-salary-loan-guide

https://www.thebalance.com/employee-loans-what-to-know-before-lending-money-5224617

https://www.fundera.com/blog/giving-employee-a-loan

https://perahub.com.ph/loans-services/

Top 3 Things You Should Know Before Getting An Employee Salary Loan