Getting a Home Refrigerator via Home Credit Philippines

Wednesday, September 25

Hi guys! It's been a while since I posted an update re our family. As you all know, we just moved last February to our new apartment just here in Cebu. We are planning to settle down on our since last year December but just this year we have finally moved and one thing I got to say, it was the best decision we have ever made. You see moving as a family with kids around can be a hard task most especially that they will go through a phase of adjustment and also us managing the house just on our own. Or make that my own since the husband is mostly out to work. Most of the things we were struggling upon moving was getting our stocks ready and our food fresh. Hence, getting a home refrigerator became one on top of our priorities! Good thing we were able to purchase with Home Credit Philippines. Getting a home appliance for me is such an investment especially if it's for my family's benefit. Storing and stocking fresh produce for my kids is now easy and will be a great tool for me to also start a small business sideline. Summer New Arrivals

What is Home Credit?

Home Credit Philippines has been providing no-collateral loans in the country since 2013. The lender is a part of Home Credit Group, a global consumer finance provider. Loans are available to Filipino citizens only, 18 to 68 years old, with stable income as employees, entrepreneurs, self-employed professionals, and pensioners. Home Credit Philippines offers two types of loans: a non-cash loan (through in-store financing) and a cash loan.  
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The foodie in me is so giddy because we're finally getting our very own first home refrigerator! 😍🤩 . . Thank you so much Rose of @homecreditph for assisting me as this is my first time to avail of your loan service. The questions were kinda long and personal but the approval was quick! Now at home and waiting for the item to be delivered. Thank you @gaisanogrand for the amazing experience! Details of my experience will be on the blog soon. 😉 . . #mommoment #mummyblogger #mytinytribe #heaventhroughmylens #motherhoodlens #raisingthefuture #motherly #mumswhostyle #lifeasamama #happylittlebuttons #lovingtheordinarymoments #momadvice #celebratingmotherhood #momworld #magicofmotherhood #mydarlingmemory #thelittleones #mothersunite #parenthoodrocks #messy_motherhood #clubmomme #pinklinker #treasuringlittlemoments #millenialmom #unitedmonsnetwork #littlemomentsofhappiness #lovelookslikethis #mamasgotthis
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Home Credit Standard Loans

The standard loan is Home Credit's core financial product. It is a non-cash loan that allows borrowers to purchase high-ticket items like laptops, cellphones, gadgets, musical instruments, home or office pieces of furniture and in my case home appliances. This is the product that we availed, we chose the 2-Door Refrigerator from Fujidenzo which costs around Php9,298.00. We applied for a loan and submitted 2 IDs and answered the questions from the Home credit agent and gave a downpayment of around Php6,000.00 which makes our monthly amortization to around Php490.34 monthly for 9months! It's quite affordable for us considering the price and the brand.

Key Features of Home Credit Standard Loan 

  • Loan amount: Up to PHP 50,000 for mobile phone purchase or PHP 100,000 for all other qualified purchases
  • Interest rate: Varies depending on the purchase price, chosen down payment, and chosen repayment term (Home Credit doesn’t publish its interest rates, but based on computations using its online calculator, rates range from 29.28% to 73.13%.)
  • Repayment terms: 9, 12, 18, or 24 monthly installments
  • Loan fees: Processing fee worth 3% of the loan amount
  • Requirements: At least two valid IDs, at least one being a primary ID (SSS ID, UMID card, PRC card, driver’s license, passport, and voter’s ID) and with an address
  • Store availability: Any of Home Credit’s 3,500 partner retailers in Robinsons and SM malls, including Abenson, Automatic Centre, and Western Appliances
  • Brand availability: Samsung, Oppo, Acer, ASUS, Toshiba, LG, Nokia, Sony, Huawei, and more electronic brands

Getting Approved with Home Credit Philippines

As for us getting approved was a breeze, although the questions made by the sales agent was quite personal and long (talk about personal background, salary/sources of income, monthly expenses,  etc). Also, once you're there at the store or at the establishment where you plan to buy or loan be sure to bring your cellphone as they will be sending verification codes as part of the approval process. After an hour we arrived home and just waited for the delivery of the item. We were so happy because it was really hassle free, we just paid 350 pesos for the delivery charge.

How to Pay for your Home Credit Loan?

After we had our loan approved, the next step in the process is an orientation on how to pay for your loan and also the monthly installments. Here is a breakdown of my monthly installment for 9 months: Overall for me is a good experience overall. Will I recommend it to others? Yes, absolutely. But Just one tip I can say is to pay your downpayment at a higher price to avoid excessive interest rates.   Credits and sources:  

My Kids Played the Jenga Challenge for the First Time!

So much fun trying out playing Jenga for the first time with the kids! The Leylam Wraps were good too! I have always been curious about the Jenga Game so when I cam to the mall to shop for toys I saw the Jenga displayed I immediately purchased it!


  FROM WIKI: Jenga is a game of physical skill created by British board game designer and author Leslie Scott, and currently marketed by Hasbro. Players take turns removing one block at a time from a tower constructed of 54 blocks. Each block removed is then placed on top of the tower, creating a progressively taller and more unstable structure.

Jenga Rules

  • 1) taking one block on a turn from any level of the tower (except the one below an incomplete top level), and.
  • 2) placing it on the topmost level in order to complete it.
  • The game ends when the tower falls -- completely or if any block falls from the tower (other than the block a player moves on a turn).
Nevertheless, we enjoyed it a lot! Here's the video :) Enjoy! Please support us and click the Subscribe Button to our Channel Here

Cute Flower Girl Dress Ideas

Wednesday, August 22

Ever since I have always wanted to have a baby girl. I gave birth to my first born baby boy who is now 6 years old and I always envy moms with girls because it's so cute to see their babies wearing cute and trendy outfits.
Among the very first thing I love looking online are girl dresses which include some items I tend to see on Instagram. Instagram these days are full of fashion inspiration including kids! And that makes my heart pump a lot. Seeing all those cute baby girls rocking their style and cute fashion statements.

5 Quick House Cleaning Tips | MominStyle,co

Wednesday, August 8

The secret to tidying up every room of your house quickly? Task cleaning.

The best way to clean the house is becoming more efficient of the tasks. I have been working from home for quite some time and I think that being at home will always make you feel tired and bored but there is thing that keeps me going every day that turns out I neglect my house cleaning tasks so today, I have decided to take on the responsibility of making our home welcoming and cozy for my kids. You see, being a work at home mom and have two kiddos at the same time can make you look less of the home and more on the kids and the work you need to do.

Hair Care Tips: My Current Hair Care Resolution | Mom In Style

One of the things I am very passionate about doing is maintaining a good and healthy skin as well as the hair. I have always been very skeptical about hair and skin care when I started working in the office because grooming plays a well vital essential in the workplace especially when you are facing people and co-workers almost every single day.

Spending too much on expensive shampoos and conditioners, I have tried to see some results on my hair. I have tried several hair products including Hair Conditioners to maintain the locks and smoothness of my curly hair.
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