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Representative example: Borrow ВЈ500 for 4 months. First monthly repayment of ВЈ172.09. Second and third monthly repayments of ВЈ229.45 Fourth monthly repayment of ВЈ114.75. Total repayment ВЈ745.74, interest rate p.a. (fixed) 226%. Your monthly loan bill will include your installment payment plus interest charges. If you think you may want to pay off the loan earlier than planned, be sure to check if the lender charges an early payoff or prepayment penalty. Sometimes lenders charge a fee if you make extra payments to pay your debt down quicker, since they are losing out on that prospective interest. The fee could be a flat rate, a percentage of your loan amount or the rest of the interest you would have owed them. None of the lenders on our list have early payoff penalties. Your approved salary loan will be released via the CTBC Bank Visa Cash Card. You may also opt for other forms of loan disbursement: CitiGlobal Realty & Development, Inc. “The Better Ultimate Guide to Real Estate Investments in the Philippines.” Accessed Aug. 21, 2021. The National Home Mortgage Finance Corporation was created in 1977 by virtue of Presidential Decree 1267, with the mandate of increasing the availability of affordable housing loans to finance the Filipino homebuyer’s on their acquisition of housing units through the development and operation of a secondary market for home mortgages. Consistent with this mandate NHMFC bought mortgages originated by private financial institutions and eventually sold them back to the public through the issuance of mortgage backed financial instruments.