Wednesday, March 27, 2019

YOU'VE GOT SAVINGS PERO NASA BAHAY LANG, HALA BAKIT GANYAN


Okay, why am I assuming that a lot of you are already nodding your heads by just merely reading the heading of this post? Nasapul ko ba? Totoo kasi diba!

I know hindi lang ikaw ang nag-iisa with this common practice. Mainly, for so many reasons such as the super dami ng requirements from the banks — kakatamad tuloy and nakakawalang gana diba! Tapos almost all of the banks now require high cost of initial deposit +  high maintaining balance + 'pag na-short ka and hindi nakakapag-deposit —there are high dormancy charges na talaga namang nakaka -shock! 

With all the factors mentioned, eh di sa bahay na lang nga itago ang savings — NOT! 

Wutt! Ang balimbing ko naman, ang bilis kong magbago you said.

>>> It's true that I partly agree na sa bahay na lang itago ang ipon initially but then everything has changed since I learned about the recently launched Cebuana Lhuillier Micro Savings which I strongly and fully support.

Why?

Since it aims to provide Filipinos with a more convenient and affordable means to save our hard-earned money. Micro Savings actually is Cebuana Lhuillier’s platform for Filipinos to overcome the barriers to saving by acting as a cash agent of the Cebuana Lhuillier Rural Bank (CLRB).

Convenient and Affordable kamo? Pano? 

Actually, we have the same question when I initially heard about it. Kaya I've listed and simplified everything that you need to know about Cebuana Lhuillier's Micro Savings.

How to open an account? Easy lang ba? 
  • To open an account, it requires only one valid ID.
  • A minimal Php50.00 initial deposit. (Yup, 50 only. hindi typo, and yes, hindi ka naduduling). Pero dapat ay 24K cardholder ka na. Kung wala ka pang 24K card, pwedeng mag-avail nito sa halagang P100.
  • No maintaining balance.
That's it. Ganun ka-simple! 


And because of Cebuana Lhuillier have a wide network of branches which comprised of 2,500 retail infrastructures, account holders can deposit and withdraw anywhere at their most convenient hours.

Ang simple lang pala! Pero wait, madami ka pang tanong. Padaliin natin ang buhay. Check your possible questions below, baka anjan na:

Anu-anong IDs ang tinatanggap para makapag-open ng account?
Isang I.D lang ang kilangan, so kahit ano sa mga listed Valid IDs ang pwede mong i-provide.

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Barangay Certification
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • and others
Para sa complete list of ID required, click here: https://www.cebuanalhuillier.com/micro-savings/

May ATM card ba itong kasama?
No ATM card. Yung 24K card ang gagamitin para makapag-transact.

May passbook ba?
None.

How can I check my balance or transaction history?
-You may visit any Cebuana Lhuillier branch
-You may also check through SMS
-Or pwede din gamitin ang eCebuana app. 
Para sa karagdagang impormasyon, bisitahin ito: https://bit.ly/2NmnJsv

Ilang taong gulang ang pwedeng mag-open ng account?
At least 7 years old.

Pwede ba akong mag-withdraw o deposit sa ibang branch kahit di ako dito nag-open ng account?
Yes, kahit saang Cebuana Lhuillier branch.

May required na laman ba ang account?
Walang maintaining balance na kailangan.

May penalty o bawas po ba sa aking account kapag hindi ako nakapag-deposit sa matagal na panahon?
None. Walang dormancy fee kaya walang bawas sa account mo.

May bayad ba ang pag-withdraw o deposit?
None.

May minimum at maximum amount ba sa DEPOSIT?
P50 ang minimum at P50,000 ang maximum na pwedeng ideposit.

May minimum at maximum amount ba sa pag-withdraw?
P100 ang minimum at P5,000 ang maximum bawat withdrawal.

Ilang beses pwede mag-withdraw sa isang araw?
Up to three (3) times only.

Magkano ang interest o kita ng pera sa Micro Savings?
0.30% ang interest o kita Per annum.  Kailangan ng P500 average daily balance para mag-earn ng interest.

Insured ba ang savings ko?
Covered ng PDIC ang Micro Savings, kaya sigurado ka dito.

Pwede bang mag-withdraw sa ATM?
For now, hindi, pero pwede kang mag-withdraw in any of almost 2,500 Cebuana Lhuillier branches kaya marami talangang options.

Posible bang mag-Pera Padala diretso sa aking Micro Savings account?
For now ay hindi.

May na-mention na E-Cebuana App sa frequently asked questions, earlier, ano ito?

To ensure that micro savings account holders can fully maximize the use of their savings account and ensure greater connectivity, Cebuana Lhuillier will also be launching its very own eCebuana app which allows micro savings users to check their balance and send money through remittance, as well as load prepaid credits to their phones, and pay their bills by integrating it to their Cebuana Lhuillier Micro Savings account

There you have it, my friends! 

Kaya if you are looking into something na gusto mong pag-ipunan, alam mo na ha — 'wag mo ng itago sa bahay yan, sama-sama tayong mag Cebuana Lhuillier Micro savings na!

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Xoxo, 💋

Jaimie 

xx THE MERMAID IN STILETTOS xx
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