Evidence-governed na decision guide

Gabay sa pagdedesisyon: Mga uri ng pautang

Ihambing ang nabe-verify na facts sa iisang common basis. Hindi ito provider ranking at hindi ito nangangako ng availability, eligibility, approval, presyo o payout time.

1. Maghambing sa iisang declared basis

Panatilihing pareho ang product type, amount, term at payment frequency. Ihambing ang legal entity, total repayment mula sa disclosed inputs, fee ayon sa uri, due dates at contract rights. Kapag kulang ang input, UNKNOWN ang resulta.

— legal entity and register
— total repayment from disclosed inputs
— fees by type
— term and payment schedule
— eligibility only when provider confirmed

2. Gamitin ang intent-specific check: Ihambing ang category bago ang brand

Tukuyin ang borrowing need at ihambing ang legal structure, security, repayment method, total disclosed cost at complaint path. Walang category na laging mas mura o mas mahusay.

— Gumamit ng iisang amount, term at payment basis
— Ihiwalay ang structure sa provider terms
— I-verify ang final legal entity at offer

3. I-verify sa opisyal na source

Bangko Sentral ng Pilipinas

Opisyal na resource: BSP Consumer Assistance Mechanism Opisyal na resource: National Privacy Commission complaint route Opisyal na resource: SSS Salary Loan Opisyal na resource: SEC lending and financing company resources

Sinuri ang evidence: 2026-09-25

UNKNOWN

Provider-specific facts na UNKNOWN pa rin

Ang provider ang dapat magkumpirma ng availability, eligibility, approval, rate, fees at timing sa current disclosure o offer. Ang UNKNOWN ay hindi zero, libre, approved o unavailable.

Transparent calculation boundary

Total repayment = principal + disclosed interest + disclosed fees. Maaari lang kumuha ng periodic payment kapag pareho ang term at payment basis ng lahat ng inputs. Walang iniimbentong sample value.