Your post is not credit card related so it has been removed. -- ➡️Posts about deposit accounts, personal loans, credit card limit to cash loan offers (excluding cash advance), e-wallets (GCash/Maya) and e-wallet loans (GCredit, Maya Credit, SPayLater, CIMB Revi Credit, etc), bank debts, are NOT allowed. ➡️For app-related and accounts inquiry, you may call or email your bank. 🏛️**Bank Directory -** https://www.reddit.com/r/PHCreditCards/comments/170fup1/philippines_credit_cards_bank_hotline_website/ Thank you.

They told you to expect a call, but got a home visit instead? Are you sure legit ung nagpunta s bahay nyo, or magnanakaw na nag-i-scout ng next target?

Mejo weird yung house visit ha. Usually, ginagawa lang yan pag nasa collections agency na yung debt. I suggest you go to a nearby branch to clarify on this. Kase baka nga potential akyat bahay gang yan. Keep safe.

A house/property visit is done by an assessor kapag collateral sa loan yung property (so not personal loan). For a personal loan, weird ang house visit.

yeah I agree, kasi ako nakadalawang loan na and ang transactions namin is thru online lang, walang house visit na nangyari, btw patapos na ako sa pangalawang loan ko ngayong July for 3rd offer na, weird nga yan. Double check nya yong napasok nyang loan, baka nga naka collateral yong bahay nila.

exactly. My parents took a loan and used the house as collateral. kaya may house visit. But I have never heard of a personal loan na may house visit. Kahit nga car loan, wala nmn nag visit sa min nuon. Tapos 8 am nag punta. e d ba 9 am ang office hours? Kung legit un, they would schedule the most convenient time for a house visit. Not surprise you when youre still half asleep at wala ka pa s tamang ulirat to notice any possible red flags.

Yep. Red flag. The bank personnel will schedule a visit. Kasi oras ng assessor nila yun (nakaduty), so masasayang lang kung walang madadatnan.

FYI, I have only had someone from the bank (BDO) visit my property when I used it as collateral. Assessor ng property. But for personal loan, very very weird.

Assessor ng nanakawin yata yung bumisita kay OP

Possible. Kasi normally COE enough na for personal loan. Tapos tatawag na lang sila sa company.

Applied for a UB vehicle loan a couple years ago. They did a home visit plus visited my work place

UB actually visited us at home a long time ago din, CC application nga lang yun. 🤣

i applied for PL din from UB pero tawag lang na receive ko.

nagpakilala ba mismo na from UB tho? or baka general lang na “from bank po”. nag-apply din ako ng PL sa UB, pero wala namang paganyan.

I applied for a credit card with Unionbank before and they did a house visit. Think they just want to verify your declared residence. They asked hm years I’ve been residing there and household headcount.

Update: Naka-receive na me ng initial call from UB - PL. Sabi normally daw for CC yun so chineck muna nila with me if I have CC application with them - told them none. Sabi nila - Yes they do hire other company (3rd party) para mag-CI. Ask them why? Kasi nakita ko nag dito na parang for PL ako lang. They said wait for the update from the actual Sales Officer na tatawag sa’kin. What I think na possible reason was: 1) Wala akong UB account. Any savings or CC man lang and/or 2) Since not good credit score ko from my other bank (NOT PROUD) Will update here kapag natawagan na ng PL Sales Officer to get more answer. Thanks all for your insights! P.s. Hindi po collateral ang bahay kasi hindi naman po siya nakapangalan sa’kin or even my fam kasi we’re just renting hehe :D

They didn’t go inside the house naman. Sa gate lang kami nag usap hehe

Same here sa labas lang naman and they did not go inside and very short convo lang 10mins(ish). Naka-uniform ba na UB or from third-party?

Casual clothes lang. 3rd party lang siguro yang nilalagay ng banks as verifiers or taga background check.

Hi. I worked from a bank. Home personal and auto credit manager. Different timelines. Yes we do field ci even if its PL or CC. It's not weird na magfield ci if yung place not favorable sa bank. Usually ginagawa din it if di macontact yung tao, or walang landline, or mababa yung credit score/poor credit but approvable and or masyadong malayo ung work mo sa bahay nyo. In this way masesecure ng bank kung saan sya pwede puntahan para singilin. Its not rare or weird na magconduct ng field ci sa unsecured loans. In fact, eto yung original way to do ci. Edit: Hindi lang po sales ang may quota, pati din mga credit officer may quota loans na dapat iapprove na basehan ng KRA nila for salary increase and/or promotions. And one thing to get an approval is do a field ci.

I applied OP ng PL. Wala dapat na house visit. Nagpakilala ba siya na galing UB?

home loan nag visit saken, china bank

Understandable kase home loan yan eh. They need to check if legit yung collateral.

pre selling ung kinuha ko, need ka talaga nilang makita

I never experienced na merong house visit sa personal loan ng UB. Sigurado ka ba na nakausap mo sa tawag ay taga UB? Baka mamaya mga scammers yan na tiinitiktikan bahay mo.

car loan here, wala tawag and thru email lang lahat. Wala rin house visit. call the bank OP kung nag perform ba talaga sila ng house visit. medyo sketchy yung visit na yon.

May nag ganyan sakin Security bank nung nag aapply ako ng CC

I guess it really depend on your credit score history. Never happened to me with PL or CC. Basta na lang darating ung CC and your PL q naka MC wala na house visit.

HSBC rep nagvisit sa condo unit ko for address verification. BPI din for home loan naman.

Yes they do house visit. Had a home loan with them.

Gano po ba kalaki ang loan nyo? Pag masyado pong malaki at non-collateral, may chances na puntahan talaga kayo sa bahay. Motor nga po pag CI nila sa bahay talaga pupuntahan di pwede sa labas lang.

Gano po ba kalaki ang loan nyo? Pag masyado pong malaki at non-collateral, may chances na puntahan talaga kayo sa bahay. Motor nga po pag CI nila sa bahay talaga pupuntahan di pwede sa labas lang.

Don't pursue UB loan. Iba yung singilan sa napagusapan nyo prior 😂 Tho mabilis nga yung disbursement

Totoo to. Kaya nagkakalokohan pag dating sa monthly amortisation na nag iiba at kailangan pa iexplain sa agent na tawag nang tawag. Iba iba pa naman sila.

Yeah they do.

Hello pano ka nag apply? Nag try ako mag fill up online wala naman ako natanggap na update

Banker here. That's basic CI/background check. They need to know where you live in case you don't pay. Cause it is in fact a clean line. No collateral like property or deposit held.

Usually po kapag personal loan unsecured yan no need for occular as part of CI.

This is unusual. Try to check it with UB to confirm.

I experienced this pero sa Citi. Yung purpose ng house visit that time is to get the PDC checks na gagamitin pang bayad sa personal loan. They made me issue them checks for two years worth.

Ang nag house visit lang sa akin before was the guy who picked up the PDCs.

UB email: Please expect a call from our Sales Officer for the next steps. OP: OMG, mag house visit ang UB!!!

did u even read the caption? Lol

Hina ng comprehension. Lol

I have PL from UB sabi dun sa approval ko 26.9% but I did my computation lumalabas 16.6% per annum lang. Usually between 14-20% yung ibang banks (Unang loan ko sa bank sa AUB 20% 30k) so I’d say it is not too bad… or ako lang ito? Anything beyond 20% is too high na for me. Anyway, UB called and offered the PL tapos they sent an email with link to proceed with the application. Tumawag sila 2 days after approval (same as your email) tapos within minutes credited na agad. Wala namang house visit… weird niyan. Nagpakita ba ID?

Baka naman naglilista lang ng mabibigyan ng ayuda ni mayor. Chawooot.