Umbrella -Paano Mag-Aplly Ng Loan?

Naka-1,000 downloads na sila sa Google Playstore. Kunti pa naman ang gumagamit at nagbigay ng reviews. Nakakakuha silang ng mababang ratings na 3.8 galing sa 78 ka tao na nagbigay ng ratings.

Pero pinag-usapan na ito ngayon lalo na simula nong pinakilala namin ito dito sa USAPANG PERA. Paano nga ba gagawin ang pag-apply ng loan sa kanila?

Ihanda ang sarili para sa kanilang mga requirements:

• 7 seconds selfie video
• Any Valid ID issued by the Government of the Philippines
• proof of address or billing address
• at least 21 years old and above

May tatlong steps (3 steps away) para maka-avail ng loan at makuha ang pera mo

1. Piliin ang halaga based doon sa pre-approved credit mo
2. Piliin ang terms of repayment kung ilang linggo gusto mo, mula 3 to 6 weeks
3. I-check ang iyong loan calculation sa loob ng app, at pindutin ang Confirm.

Pero bago paman mangyari ang 3 steps, dadaan muna kayo sa screening evaluation nila na hindi tao ang gagawa kundi ang system mismo ng Umbrella, yong autocheck system na ginamit sa data analysis.

Kailangan pumasa muna kayo sa autocheck bago magpatuloy sa iyong loan application. 



Paano ito mag-umpisa?  

I. Search Umbrella App sa Google Playstore, kapag nahanap na -download and install. Mag-antay ng ilang minuto para ma-install sa iyong cellphone.

II. Kapag installed na ang app, open the app at may mga katanungan na kailangan mo sagutin at some instances, you can log-in gamit ang iyong facebook account. Other way of entering their app,  you need to provide your EMAIL ADDRESS at CELLPHONE NUMBER.  Kung nalagay na sa blank box, please click NEXT para sa next step.

III. Makakatanggap kayo ng 6-digit CODE, ang sender nito ay UMBRELLA. Input the code at automatic papasok kayo sa next step.

IV. On this page mababasa nyo ang nasa screen na ganito "To help you, please help us with a few permissions.

On clicking "NEXT" we will ask you for four permissions to access your calls, contacts, text messages and pictures for us to determine trust.

We promise you that the data we capture is 100% used for this purpose only and never will be shared to any third party without your consent.

DITO MAGKAALAMAN KAYA KUNG MAY TRUST KAYO SA KANILA,  ALLOW THEM AND GIVE PERMISSION TO  ACCESS THE FOUR FEATURES OF YOUR  CELLPHONE.

Sinubukan kong mag-apply at I give permission to them para ma access yong apat na kailangan nila pero right after sa pang-apat, I got a screen message na ito:

 "Sorry, you don't qualify for a credit at this point.

Umbrella was set-up to help people when in need with small loan and our business operates on fair measure to determine credit.

At this point, our algorithm failed to pre-approve credit for you. Things may change and you can re-check the app in 90 days to see if you qualify for a credit with us."

Matindi ang autocheck nila dahil may naka-set na itong program na pwede kang ma-disapprove in a couple of seconds lang.

Kapag you are pre-approved pagkatapos mong ma-allow ang Umbrella to access the four features we've mention, tutuloy kana para sa next round. At this time, gagawin mo na yong 3 steps para kayo'y makapag-apply ng loan.

Choose the amount you want to borrow, up to P4,000 ang maaari mong mahiram sa kanila  at pagkatapos noon input all necessary information and documents sa step 1. Kapag na complete mo na ang mga kailangan nilang impormasyon, pumili ka ng terms for repayment na mas convenient sayo at hindi ka mahihirapang maghanap ng pambayad, remember you can choose from 3 to 6 weeks loan repayment, yon ang step 2.

 Next, check your loan calculation, you can see some fees and interest rate na idinagdag sa iyong loan amount. Makikita mo din kung magkano ang total na babayaran mo after you fully paid your loan. Tapos nito, you can click Confirm. natapos mo ang step 3.

Once fully approved, you are advice to give your disbursement details. Meanwhile, cash pick-up ang option ng Umbrella. You must be near to their office to get your loan. 

One thing kung bakit na declined ako dahil malayo ako sa office nila. Maaari din ang priority nila to avail their loan service ay those who are living within Metro Manila or nearby provinces. 

Pero mayron ding nakakuha ng kanilang loan through Gcash at sa padala centers. Kailangan nyo lang i-message sila through their app para they will arrange para makukuha nyo ang pera. For now, it's a temporary option and it can be change anytime soon.

THINGS YOU NEED TO KNOW FROM UMBRELLA

We believe in transparency of how it all works. So, here’s how Umbrella loan calculations work:

• Your repayment doesn’t start until 14 days from collecting the cash

• Service fee applicable depending on how much you take, to cover that duration

• No interest charged on the service fee

• Interest rates vary depending on the loan value and the repayment duration you chose

• On non-payment of weekly instalment a small penalty of the outstanding amount will be charged

• Two continuous attempts of non-payment of weekly dues will result in account being blocked.


To download and install Umbrella app, please click this link para direkta nyong mahanap sa playstore ang Umbrella app at hindi na kayo mahihirapang hanapin pa ito: http://bit.ly/UmbrellaApp

Please panoorin ang video tutorial namin sa Youtube channel na USAPANG PERA TV at huwag kalimutang mag-SUBSCRIBE and also click the BELL button para makakatanggap kayo ng notification o ALERT kapag may bago kaming video tutorial sa isang lending apps o lending company.