Author Topic: Profitable ba ang Money Lending Business / Pautang / 5-6 Business?  (Read 1088 times)

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princess4

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Moderator's Note: Please post in the appropriate MONEY LENDING thread. Posts that are off-topic or made in the wrong thread will be deleted. Here are our active discussion topics related to borrowing and lending money:


1. Profitable ba ang Money Lending Business / Pautang / 5-6 Business?


2. How to set up a MONEY LENDING business?


3. Saan pwedeng MANGUTANG? Sinong gustong magpa-UTANG?



Hi po sa inyo lahat, bago pa lang po ako at katatapos ko lang basahin at ireview ang isang buong thread: Money Lending Business

Andami ko po natutunan. Nakita ko dun un isang post na ni-Sum up nia ang natutunan nia (listed below 1-14) at pinagpatuloy ko na lang po. Hindi ko nakuha name mo..Thank you sau.

Planning to read all thread here about this lending business. 
Thanks to puberer, pogy_uy & Bp22estafa, Top5450, redvel, richpulubi and to all na nagshare ng kanilang experience, tips, payo atbp. page 6 pa lang po ako dito sa thread na ito at iniipon ko din mga payo nio. Hoping na matapos ko at masulat din.

Tips from Money Lending Business Thread
1. written agreement needed...kahit friend mo pa
2. as much as possible may business ang pahihiramin mo...and may integrity and borrower...what do i mean?.. ung may kahihiyan pa sa sarili and sa family..more likely, sila pa nahihiya pag nalalate magbayad...ayaw nila ng kahihiyan
3. check there capability to pay... magaleng sila mambola...and magaleng den sila magpalusot sa pagbayad
4. in the first few months magaleng magbayad. kc kukunin ang loob mo na magbigay sa kanila ng malake...wag padadala..kng ang maximum is 10k, then 10k..may pambluff sila...kesyo d na sayo hihiram... pag di ka pumayag sa malake... wag kang padala... madame ang cliente di lang sya...
5. by the 6th month, lalabas na ang saket nila..pahirapan na magbayad...be careful...though there are good and bad borrowers..ang goal naten is eliminate bad borrowers..
6. kun magrrrenew, make sure na 75% na ang nabayaran...
7. sa mga nahhirapan na magbayad, wag kang magmumura pagmaningil...they use this as license na awayin ka and di na magbabayad...kahit magbarangayan pa kayo, minsan kakampihan pa ng barangay (depende sa barangay)
8. maybe maging mabaet ka sa barangay... sila kakampi mo.. but dont bribe them...nasasanay na mga pinoy sa bribe..and it is our fault..dapat they should work according to their functions not because they will receive something.
9. yes, be strict..but friendly..alang personalan, business lng..
10. make a policy na in time you need this when you meet them in the barangay pag mag fail na ng ilang days to pay...this is a "threat" to their image..pero ang makakapal na mukha sasabihin pa sau ituloy mo sa korte..(kaya eliminate these kinds of borrowers)... they know na mas magastos and mauubos lng ang oras mo.
10. yah, kahit papano good pa den na may checking account.
11. ok, regarding karma...it is just a matter of give and take...share your blessing to the church or any institution... good karma begets good karma..bad, bad den...
12. in my area, ang bombay 20% ang tubo sa 40 days..tinatapatan ko ng 60 days with 20%... do you think may karma?.wala.because they use the money also in business... and mas may benefit pa sila na 20 days!...tsaka usapan nyo ganun..d mo naman pinilit...it is your hard earned money..d mo un pinamimigay...you are the boss of your money...kng gusto nila mababang interest, refer them to the bank...they can get even bigger money...nga lng, as long as they pass the requirements..
13. magbarangay kng kinakailangan..this is a theat also to other clients para wag gumaya.. make sure pagsinabe mo, you have to do it.. but make sure na d na talaga mkapagbayad...kc pagdateng sa barangay, pagbabayarin na nlng ang client sa kng magkano kaya nya until matapos... di na maeexercise and usapan nyong interest...
14. never share to other clients about deliquent clients...nagkakaroon sila ng idea na pwede dn pala d na magbayad..kahit magbarangayan pa... iwasan ang personal na kwentuhan..style nila kunin ang loob mo.
15.For business clients, they must set a side a certain amount of their monthly gross income to be used for paying interest for their loans, they see this as part of the business expenses.
16. Pag salary loan nag oover the counter ang borrower. Kaya maganda na unahan na at magwithdraw ng maaga
stop mo na ang pag grant ng loan sa employees na commission ang sweldo.  pag di sila naka qouta di ka nila mababayaran.  walang kasiguraduhan ang commission. 
Micro entrepreneurs ko ay 10%, Check Rediscounting 5-10%, Businessmen and Pensioners 4%  :D
17. Sa bawat transactions po dapat may kasulatan.  para sa akin, kahit kapatid ko pa, may kasulatan parin dapat.
18. Every dec.  tigil pautang ka, para inventory ( lahat ng may pautang bayad lahat dapat ).  then resume nalang pag january. 
19. dapat talaga marunong ka mag CI ng client.  kasi diyan nakasalalay kung tatakbuhan ka or babayaran. 
maganda kung fix interest plus principal.  diyan mo makikita ang magandang kita
20. To minimize the risk, wag basta pautang ng pautang para lang kumita.  unahin mo dun sa mga referrals and trusted individuals and businesses then sa malapit sa location mo at last yung mga walk-in. paikutin mo lang muna ang pera mo sa kanila, pag malakas na loob mo which is ako ay hindi pa, magpautang ka narin sa iba ibang location other than sa location mo. 
21. For pension loan maximum 30k max of 18 months at depende pa sa client.  nasa akin ang ATM.
22. Remember to dream big, think Long term, underachieve on a daily basis and take baby steps. That is the key to Long term Success."
23. BOOK TO READ; CREDIT AND COLLECTION MANAGEMENT in Philippine Setting 2nd ed. by Judge Jose T. Apolo
24. In big lending companies, Loan Evaluation, Releasing and Collection are handled by different persons or departments.
25. So choose, to be an investor or a lender?
26. Kilalanin ang mga borrower mo. It is very important to be vigilant at all times, don't trust everything to your agents.
27. This thing called GREED kept me blind last year! Wag pautang ng pautang. Good thing 20T lang yung amount sa problematic accounts ko.
28. Sa hatian ng lender at investor, ok din po ang 50/50 pero mas ok kung 60/40 tutal ikaw naman ang nangangapital.  kung sakali may hindi makabayad, hati kayo sa lugi. at pag kukunin niya share niya sa income per year, 50% lang ang ibigay mo. tas yung another 50% parang bond niya yun.
29. I am engaging in active income businesses to make time fly by faster! Kasi kung passive income lang lahat parang ang bagal sa time..
30. maybe when your still starting and your number of clients and capital is small, you can attain 100% returns.But as you grow big and expand... there's no such thing as 100% returns.
31. When the borrower gets a windfall and wants to pre-terminate the loan - Since my interest is Fix per month, it's easy for me to tell how much their balance is not including the interest and have them paid without any pre terminating fees. The Service charge fee during the application of the loan covers it.
32. Now that you know the worst case scenarios of lending. After applying risk management and credit checking to your potential clients. Let's talk about the Best case scenarios! Let's Focus on the Positive side of lending.
33. Tip from Sir Puberer - "ang ginagawa namin since kaka umpisa palang namin sa terminal, pagkatapos maka collection, deretso kaagad sa bank sa loob ng SM ang tao ko para deposit ang pera. para wala siya dala pauwi.  pag may manghihiram naman, sinasabi namin sa manghihiram na hintayin kami at mag withdraw lang sa atm. pinapaalam namin sa kanila na ang pera namin lagi nasa bangko at wala kami dala cash.  in that way magplano man sila na holdapin ka, maiisip na kaagad nila na, wala sila mapapala sa amin kasi dinedeposito namin kaagad sa bank ang pera na collection.  kailangan mo din alamin ang direct hotline ng malapit na police station sa pipnagpapautangan mo. "
34. Sample Computation by Sir Bp22estafa
"share ko lang amount & terms of payments nung sakin. i kept everything simple for my clients": -Bp22estafa
amount__4 weeks__8 weeks__12 weeks
5k ______1375_____750______550
10k______2750_____1500_____1100
15k______4125_____2250_____1650
20k______5500_____3000_____2200
25k______6875_____3750_____2750
30k______8250_____4500_____3300
35K______9625_____5250_____3850
40k______11000____6000_____4400
45k______12375____6750_____4950
50k______13750____7500_____5500

35. Mapfre Insular Office - Insurance pra sa borrower mo pra mamatay man sila may magbabayad sau.
36. Blog shared by members on how to start lending business
http://howtostartmoneylendingbusiness.blogspot.com/2010/01/how-to-start-lending-business.html
http://atmmoneylending.com/2010/06/09/micro-lending-business.aspx

36. Last page of Money Lending Business
https://www.pinoymoneytalk.com/forum/index.php?topic=13758.735


Again Thanks to puberer, pogy_uy & Bp22estafa, Top5450, redvel, richpulubi and to all na nagshare ng kanilang experience, tips, payo atbp.  :thankyou:

Happy Lending and Good luck on pur Business!!
« Last Edit: Oct 30, 2018, 04:49 PM by FutureGizmo »

princess4

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Nacurious ako about lending kc investor ako kaya basa basa ako about lending business. Ang hirap pala tlg maging lender, buti ung ni-investan ko connected cla sa mga company kaya hnd mahirap ang singilan, auto deduct na sa employee.

Tama si Sir Bp22estafa na dapat may active business ka din para may iba ka pa pagkaabalahan bukod sa naghihintay ng collection.   

princess4

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Hi - How much are you willing to lend? I need to borrow some money for my business. Thanks!

Naku sir , mula pa po sa origibal thread nito na : Money Lending Business  on: Jul 16, 2008, 01:19 AM

wala pa po nagpahiram sa member dito na lender. thread nmn po kasi ito at hnd lending. Try nio po jan malapit sa lugar nio baka po meron. :hello: :hello:

Jocel ann may

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Sino po pwede magpautang sakin taga caloocan po ako.  Need ko lang po kSe ng pandagdag sa negosyo sana ung may collector na pupunta samin para maningil.
Natapos ko na kase bayaran ung inutang ko kaso nalugi dahil sa iba nilang pinautang nadamay tuloy ung maganda magbayad handa po ako magbigay ng id. Xerox

Jocel ann may

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Hello po baka.  Po pwede ako mkautang sa inyo mam/sir magpasa nalng ako ng requirements samin kase kinukuha ung valid id bago makautang


Jocel ann may

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Hello po nasa inyo po yan basta afford  ng tao baka po pwede kayo magpautang dito sa caloocan kung may collector po kayo. 
Bitin po kase pangonhand ko maganda naman po ako magbayad thank you

Kenloy

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Sir,

 Pahingi po Sana nang sample format mo sa promissory note po. Eto po Yung email ko markenlo.jemenez@yahoo.com.. many thanks po!!

micaela0723

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sino nag papa lending dto?? ano poh mga need na kailangan.?? need ko sna ng 5k. magkano per day or week?

eliG

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sir jesdgreat musta na? Musta na status nang permit?

Kenloy

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Mga master's San na kayo? Ano na update sa lending biz nyo? Share Naman dyan..

SamanthaB

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Profitable naman ba ang lending business? And how much risk is involve? Hindi ba masyadong risky if you lend a huge some money kasi there is a possibility that the debtor will run away?
She's a freelancer but it doesn't mean she do things for free.

princess4

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kaya nga kami connected sa HR para auto deduct sa payroll. :) I fmag resign man in employee sa back pay kukunin.

KIRITO

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Hello po. Sino pwede magpa loan dyan mga sir. 10,000 in 2 months time for repayment. Pm me 09502279629

dyose01

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Hi po bago lang po ako baka po nyo ako iguide sa bussiness na ito.
baka po pwede nyoa ko bigyan nanag idea kung paano ang singilan na araw araw.
salamat po

dyose01

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Gusto ko po sana magsinula nang ganitong business , baka po pwede nyo ako i guide sa mga percents, days payment etc.
sana po matulungan nyo ako. salamat

 


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