Adventures of a Diva Princess: Home Credit

Following the rollout of the biggest and grandest 0% interest sale nationwide, Home Credit Philippines (HCPH), the lifestyle partner of every Filipino, launched a new campaign video this holiday season for the brand’s The Great 0% Interest Festival, headlined by Home Credit’s brand ambassador, Moira dela Torre.

Launched through Home Credit’s Facebook and YouTube pages, the new campaign video took inspiration from a famous Philippine reality TV singing competition in which Moira was a judge. In the newly released campaign video, Moira plays as one of the panelists on Home Credit’s “Buy-dol Philippines.”

The campaign video, which aims to promote and drive awareness about Home Credit’s The Great 0% Interest Festival, shows some Buy-dol hopefuls performing songs about the products that customers can get through Home Credit at 0% interest installment plan this holiday season.

“With Christmas being the most festive shopping season of the year, we at Home Credit want to give our customers the access to the widest range of items offered at the most affordable installment plans yet so far. With the launch of our biggest 0% interest sale, we want to make the shopping experience of every Filipino more sulit this holiday season. We’re joined by our brand ambassador Moira dela Torre to help celebrate the holidays in a fun and meaningful way with Home Credit,” shared HCPH’s Chief Marketing Officer Sheila Paul.

Some BTS shots with Home Credit’s brand ambassador Moira dela Torre

Home Credit’s The Great 0% Interest Festival

Filipinos love to go shopping, most especially during the holiday season. I mean, there’s nothing wrong with rewarding yourself after a year-long hard work and putting most of your earnings into your savings. But if you’re a true Filipino, you know that even we spend up our money shopping during the holiday, we still want the best deals for all our purchases!

With Home Credit’s The Great 0% Interest Festival, customers may choose from a wide selection of over 50,000 products – from smartphones and laptops, home appliances and furniture to bicycles and hardware, sports and gym equipment, and many more – offered at 0% interest rates at almost 10,000 partner stores across the country.

Customers may get their dream smartphones and laptops from OPPO, realme, vivo, Samsung, Xiaomi, Acer, Apple, Huawei, Asus and Lenovo at an affordable monthly installment plan through Home Credit. Furniture and appliances from Home Credit’s retail partners, such as SM appliances, Robinsons Appliances, Abenson, FC Home, Home Along, AllHome, Emcor, and Automatic Centre, can also be purchased at a flexible payment option of 0% interest.

Ready to shop? Download the My Home Credit app or visit Home Credit’s partner brands and retail stores near you. Shoppers can now experience The Great 0% Interest Festival and make the most affordable purchases until January 31!

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and by the Bangko Sentral ng Pilipinas (BSP). To learn more about the latest updates from Home Credit Philippines, visit its official website https://www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are encouraged to download the app on Google Play to know more about the latest promos and see what is new in the Marketplace.

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True to its commitment to providing Filipino consumers excellent customer service experience, the country’s leading consumer finance company Home Credit Philippines has officially made its customer service available 24/7HCPH is the first non-bank financial institution in the Philippines to make its customer support available round-the-clock, allowing its existing and potential customers receive 24/7 support for their concerns and other service inquiries. This is the latest among many developments that HCPH has implemented to ensure customers’ easy access to its various digital touchpoints.

“We at Home Credit Philippines are proud to provide our Filipino consumers with a seamless customer experience by making our customer support available day and night. Being the first local non-bank financial company to offer round-the-clock customer service, we at Home Credit are confident that we’ll be able to address our customers’ service concerns in the most convenient and efficient way possible and, at the same time, further strengthen our relationship with them,” shares HCPH’s Head of Operations, Pratim Bhattacharya.

With this initiative, HCPH’s customers will now be able to send their concerns and questions any time of the day, including during graveyard hours. This, in turn, will enable HCPH to learn about customers’ needs faster and resolve concerns in product and cash loans, payment status, account balance, product availability, partner brands, retail stores, gift payments, among others.

Running on multiple touchpoints, this new 24/7 service allows customers to seek assistance from a customer service representative about their concerns by sending a message through the official Facebook and Twitter accounts of HCPH.

Customers who are browsing HCPH’s official website may click the “Chat with Us” icon at the lower right side of the website to send in their queries. While for those customers who prefer to coordinate via email, they may send their concerns to info@homecredit.ph. More details are found on the “Contact Us” page of HCPH’s website.

To know more about the latest updates from Home Credit Philippines, visit their official website www.homecredit.ph. You may also follow them on their official Facebook, Instagram, and TikTok accounts. Customers are encouraged to download the My Home Credit app on Google Play to learn more about the latest promos and see what’s new in the Marketplace.

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What’s better than getting a Christmas gift? Being surprised with another one, of course! This holiday season, Home Credit is playing Santa with its ChristmaSagana Raffle which will shower a total of 100 gifts throughout its run.

The annual holiday promo from the leading in-store installment provider is exclusive for its customers who will sign new loans in their partner stores from November 3, 2019 to January 31, 2020. Customers only need to purchase, download the MyHomeCredit App for Android, and register to qualify for the raffle. Just go to Google PlayStore to install the app and register there to join.

For every P3,000 purchase amount, customers get one raffle entry. The more entries, the bigger chances of winning! Winners of the ChristmaSagana raffle will be drawn from Dec. 4, 2019 to Feb. 5, 2020. Customers can only win once for this promo.

Customers who will be eligible for the raffle can take home BIG prizes that will surely make their holidays. Three lucky winners can take home motorbikes for the major prize while other customers can start the year right by starting their own businesses. Five winners will be gifted Kitchen and Pangkabuhayan showcases while another five can start their online businesses. Forty winners can also kick-start their own e-load businesses by the end of the raffle.

Didn’t get chosen for any of the above prizes? 42 customers can still score gift certificates worth P5,000 that can be used for some much-needed shopping spree!

All the lucky winners will be notified through e-mail and phone call, and will also be announced on Home Credit’s official Facebook page.

The promo can be combined with other running promos of Home Credit so it is the perfect opportunity to complete your holiday Christmas wish list while having the chance of getting a gift in return! This year’s holiday raffle is the installment provider's way of closing its big year. The business has close to six million customers presently.

The MyHomeCredit App, on the other hand, is Home Credit’s answer to those who want access to their services anytime, anywhere. Customers can apply for loans, track their deadlines and payments, and stay updated on new promos through the app. The android application currently has more than 2.5 million registered users.

Don’t miss the chance to join one of the biggest holiday promos of the year. You can visit Home Credit’s promo page for more information about their latest deals.

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Try to describe Home Credit in one word and one of the first things that will probably come to mind is “easy.” You can see this stamped all over the brand. The company makes it easy for customers to afford things through loans that require only two valid IDs. Even their processing is as effortless as it can get with application results coming back in less than a minute. Customers can even just “tap the app” to see their loan details and even avail exclusive offers through the Home Credit mobile app.

Now, Home Credit has also made its payment easy and fast with instant posting! Customers who pay through ECPay channels like 7-Eleven, H Lhuiller, TrueMoney, and Puregold will have their payments posted real time instead of having to wait two days (at most) for it to be credited to their account. ECPay is an all-in-one payment platform that manages a variety of services like bill payments and cash-ins. A confirmation message about the successful payment will also be sent through SMS in a matter of minutes—sometimes even seconds!—to confirm the transaction. The same notification will also be sent to the MyHomeCredit Mobile app.

This real-time change is something that definitely enhances the experience of the customer. “We want them to feel like we’re there with them in every step. When you get something like an instant notification like this, you personalize the experience more. It also gives our customers peace of mind knowing that their payment has already been posted,” says Franchette Cardona, Chief Marketing and Product Officer of HCPH.

This is just the first step for Home Credit though. Soon enough, the company will make payment posting to their other partners real-time as well.

Pay some, win some

That’s not the end of it though. To encourage its customers to pay through ECPay-powered channels, Home Credit is also throwing in a raffle that will see a total of 42 winners from June 1 August 31. The Easy to Pay, Easy to Win Part 2 raffle is open to all customers who will make their payment transactions through ECPay by giving them one electronic raffle entry for every payment. Each month, 14 winners will get a chance to win P2,000 worth of 7-Eleven certificates, a Vivo Y91 phone, and an ASUS laptop.

“We’ve grown a lot since we started. We have more than 5 million customers now which we owe a lot to all these updates and improvements we’ve been doing. For us, it’s always about trying to add value to the experience we give. At the end of the day, we don’t want our customers to just know us as Home Credit. We want to be remembered as the brand that gave them a memorable customer experience,” closes Cardona.

You can also connect to them through Facebook (https://www.facebook.com/homecreditph/) or call them at (02) 753 5711 (Open from Monday to Sunday, 8AM to 9PM)

(DTI FETB Permit No. 8570 Series or 2019).

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If you will be given a shopping basket to fill and a maximum of Php 25,000 budget, what will you grab off the shelf first? Will you stock up on new wardrobe pieces? Perhaps you’ll fill it to the brim with electronics? Home Credit Philippines, the leading consumer financing company in the country has just made this too-good-to-be-true scenario a reality with its launch of Hulog-gaan, their first ever bundle financing product that lets consumers buy a number of lower-priced items in bulk, and pay for them through affordable installments.

The company’s newest installment package allows financing of commodities that Home Credit didn’t previously finance. Some of the commodities that can be covered by Hulog-gaan are clothing, bags and accessories, toys, and electronics. These items are on top of the commodities that Home Credit already finances like smartphones, tablets, home appliances, and sporting goods.

Chief Marketing and Product Officer Franchette Cardona says that the Hulog-gaan installment allows Home Credit to cater to more customer needs than ever before. “Our installment plans before are primarily for big purchase items. We wanted to provide the same financing options for those who have a lot of different wants and needs, and be able to afford them all in one go.”

Using the Hulog-gaan installment product, shoppers can now buy any of the covered items as long as they fit the Php 25,000 maximum price for the bundle.Customers can choose between Php 3,000 to Php 20,000 financed amount which they can pay for nine to 12 months. Home Credit’s Hulog-gaan can be applied to their Standard, Easy Plan, Flex10, and Gift Payment loans.

Shoppers can include in their bundle a maximum of five product entries, with multiple items under one category counted as one bundle entry as long as it fits the Php 5,000 maximum amount per entry. Exceptions on categories covered by Hulog-gaan are jewelry and watches and smartphones and tablets.

This isn’t actually the first time that Home Credit has offered bundling installment plans. The market leader also has a regular bundling plan for those who want to buy higher-priced items in a package.

“We want to be there for the customer, whoever they are and wherever they are. That’s why we are developing innovative tools such as our mobile app, and developing new financing products like the Hulog-gaan product,” explains Cardona. “It’s all about enhancing the customer experience through our products and services.”

Home Credit, which has recently shortened its approval time to a minute, is now focused on reshaping the shopping landscape for everyone by providing them with more financial products and a better, easier experience. The Hulog-gaan is offered on the following stores you can find on this link.

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One beloved tradition that most of us love come the holiday season is exchanging gifts. Nothing says Christmas more than receiving one in exchange of a present you’ve given, but what if you actually get to choose the gift you get back?

This is exactly what Home Credit Philippines’ (HCPH) Trade to Upgrade is currently offering—being your very own monito or monita! This latest treat from the in-store loan provider lets you swap your old phone to any Home Credit store and use it as a downpayment for a new gadget. It’s perfect for those who want to treat themselves this Christmas without spending too much.

This trade-in elevates HCPH’s services which cater to Filipinos who are looking for friendly and fast in-store financing options. To avail the Trade to Upgrade, a customer simply has to visit a Home Credit store offering this treat, present two (2) IDs, and wait for 10 minutes for the result of their application. If approved, Home Credit’s friendly sales associates will evaluate the value of your mobile phone and use it as your downpayment for a new model.

Trade to Upgrade can cover a financed amount of P 3,000 to 60,000 for nine to twelve months and you can also opt to add cash to the value of the mobile phone you want to swap. Check out the list below for other details about this great offering:

You can swap all brands and models of mobile phones.

You can still swap your phone even if it is damaged given that it is working and is an original model.

You can only use one unit per transaction.

Phone accessories are not included in the assessment of your unit’s value.

You can add cash if the assessed value of your mobile phone is lower than the minimum downpayment amount.

If you want to know more about the offering, don’t hesitate to visit any Home Credit store and ask our friendly sales associates! Here are the stores where you can apply for Trade to Upgrade:

OPPO - Fairview Terraces Mall

Vivo - Fairview Terraces Mall

Fone Style - Robinsons Antipolo

New Cellway - SM Manila

Asus - SM Valenzuela

Fone Style - Ayala Malls Feliz

Asus - Ayala Malls Feliz

Fone Style - SM Masinag

Zenfone - Glorietta

Fone Style - Glorietta

New Cellway - SM Southmall

Infinity Store - SM Taytay

Fone Style - SM Muntinlupa

Fone Style - SM Mall of Asia

Fone Style - SM Sta. Mesa

Fone Style - SM San Mateo

Fonestyle - SM Sucat

Fone Style - Robinsons Forum

Fone Style - SM North EDSA

Fone Style - SM Marikina

OPPO - SM Marikina

Fone Style - SM Las Pinas

OPPO - SM East Ortigas

Fone Style - SM East Ortigas

Fone Style - SM San Lazaro

Fone Style - SM Cubao

New Cellway - SM Fairview

Sony - SM Fairview

Fone Style - SM Fairview

Fone Style - SM Bicutan

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What makes a day of shopping better? Capping it off with some good food, of course! Now that the ber months are just around the corner, malls are sure to get packed again with early Christmas shoppers scouting for treats for their loved ones and themselves. Luckily, Home Credit Philippines (HCPH) is giving an early gift to its customers with its newest promo “Instant Treats”*.

For a minimum suggested retail price of P 20,000 for laptops, computers, furniture, home appliances, and electronics, each Home Credit customer will be given an e-voucher worth P300 for Max’s and Pancake House starting August 4 to October 15, 2018. The e-voucher will be sent via the My Home Credit App 72 hours after signing the installment contract. The voucher is valid until October 31, 2019 so customers can save it up for days when they need a special free treat.

This newest offering from Home Credit Philippines is just one of the many ways the Prague-based company shows its thanks to its customers. Recently, the consumer finance in-store loan provider for smartphones, gadgets, appliances, and furniture hit their three million customer mark. HCPH Chief Marketing and Product Officer Franchette Cardona says that they are planning to roll out more treats for their customers to improve their Home Credit experience. “We have gotten a lot of support from the Filipino market in the five years that we have been here. Rest assured, we are looking for more ways to improve our customer service in terms of access, products, and rewards.”

As part of its commitment to continuously improve customer experience, Home Credit Philippines has shortened its approval time to ten minutes. The company has also been making consistent improvements to their app to provide better ease of access to their customers.

While the Instant Treats Promo is not applicable to any smartphone installment purchase, customers can still get the e-voucher if they bundle it with a non-mobile item. Ready to shop? Below is a list of all the Home Credit partner stores where you can avail of the promo:

Silicon Valley

Savers Appliances

Robinsons Appliances

Gaisano Metro

FC Home

Home Along

Asian Home

First Family

Solid Mark

All Home

Gaisano Grand

Automatic Centre

Western Appliance

For questions or concerns about the voucher codes, call Home Credit’s customer service hotline at (02) 788-1000 or 7000 (Monday-Saturday 10AM - 10PM, Sunday 10AM - 5PM).

*The Instant Treats promo is not applicable to Home Credit’s 0% interest promo.

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Home Credit, the Prague-based consumer finance company that has captured the attention of mallgoers and gadget lovers alike with its affordable in-store loans, has a very good reason to celebrate after it recently signed its three millionth customer.

Lucky winner Virginia and her husband Almer were in the process of applying for an in-store loan for a flat screen TV when HCPH surprised them on the spot. Home Credit Philippines’ Chief Executive Officer Annica Witschard and Chief Marketing and Product Officer Franchette Cardona were personally there to reveal the surprise and congratulate the “winning” customers who got 5,000php worth of GCs and the perk of having the rest of their loan waived.

HCPH has come a long way since its establishment in Manila in 2013. From starting with less than 30,000 customers in its first year, the company quickly grew in the next few years, hitting the one million customer mark in 2017 before finishing the year with two million customers. A few more months later, HCPH’s customer base now stands at three million.

“We credit our success to the thriving market here in the Philippines. There is a strong demand for financially-inclusive products, and we are more than happy to cater to this demand by offering loans even to first-time borrowers and those without formal accounts,” Annica shared when asked about the company’s growth.

According to the latest data from Bangko Sentral ng Pilipinas, 77 percent of adults have no formal accounts such as savings accounts with banks. HCPH taps this group of consumers by making applying for an in-store loan easy even if they have no credit history. The customer simply needs to approach a Home Credit Sales Associate, provide two (2) IDs, and wait for ten minutes to process their application.

In addition, the company has also been rapidly expanding in terms of stores and the range of products it finances. It now has more than 4,000 stores and has a presence in more than 50 provinces and Metro Manila. In terms of product portfolio, Home Credit Philippines has also been actively expanding its lineup. In addition to mobile devices and gadgets, its roster also includes home appliances, hardware tools, e-bikes, musical instruments, and sporting goods.

When asked about their reaction for being named the three millionth first-time customers, Almer shared his happiness by saying, “Napaka-ganda ng Home Credit dahil napapaluwagan nila yung mga tao na hindi usually na-aafford na bumili ng ganitong mga bagay.” Virginia added, “Napakadali ng proseso. Biyaya talaga ito.” [Home Credit has a good program because it helps people who can’t usually afford to buy these things. The process is very easy. This is really a blessing.]

Besides in-store loans, the company also offers cash loans which, according to Annika, are used by some of the customers to start small businesses so they can make a better living for their families. Others use their cash loans to pay for other needs like school tuitions or finance house renovations.

“I am optimistic that there are more opportunities for growth for us. Home Credit Group has more than twenty years of global experience and we plan to continue applying this in the Philippines together with our own learnings from operating in the country,” she added.

When asked about future plans, she expressed that Home Credit Philippines’ progress proves that there is still so much room for growth here. She closes, “This is just the latest step in our journey; there are many more milestones up ahead,” she said.

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Keeping true to its promise to continuously improve its services to the mass market, Home Credit Philippines (HCPH) has now made its loan processing faster than ever. Instead of the usual average of twenty minutes of wait time, the company has now shortened the average processing time to a mere ten minutes. For some customers, the experience is even much faster, getting their loans approved almost instantly right inside the store.

This latest development is one of the finance company’s responses to the growing customers of HCPH. Home Credit, which offers in-store financing to mobile gadgets and tablets, appliances, e-bikes, furniture, power tools, sporting goods, and other goods; is continuously eyeing other commodities and even services to finance to grow its product diversity.

The loan provider now has close to three million customers, most of which are unbanked or are first-time borrowers. Chief Product and Marketing Officer Franchette Cardona says this improvement aims to make the process more seamless for its customers. “One of the goals of Home Credit Philippines is to provide fast and easy loans. Cutting our processing time in half will improve the experience for them.”

HCPH’s products cater to consumers that do not usually have access to financial services—simply put, those that do not have bank accounts or credit histories. To ensure their financial inclusion, the process of applying for a Home Credit loan is easy. Simply approach a Home Credit sales associate at any of their partner stores, complete the application form, submit two (2) valid IDs, and wait for the application result.

A full list of the accepted IDs is indicated below:

Primary ID

-SSS

-UMID

-Driver’s License

-Valid Passport

-PRC

-Voter’s ID

Secondary ID

-Bank account statement

-Brgy. Certificate/Clearance

-Certificate of Employment

-Credit/Saving Card

-Company ID

-Electric bill

-Mobile phone bill

-Water bill

-PAGIBIG/HDMF ID

-PhilHealth Card

-Phone bill

-Postal ID

-Remittance Slip

-Salary Slip

-TIN ID

-NBI Clearance

2017 is considered a landmark year for the company after it grew its customer base from one to two million in six months. This year, the in-store finance provider remains steady in surpassing its numbers, and is expected to reach the three million-customer mark very soon.

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OPPO Philippines has recently added a new member to their F7 family with the OPPO F7 Youth. Designed for the younger crowd, the model is the midrange smartphone brand’s response to the needs of today’s generation of smartphone users with its top-notch performance, 4GB RAM, large 64G Storage, and stylish design and color.

The model, which only retails for Php13,990, is the more affordable version of the best-selling OPPO F7. With the brand’s long-standing partnership with Fintech company Home Credit, anyone can easily avail the F7 Youth even without a credit card in 6-month installments at 0% rate until June 30. All one needs to do is approach a Home Credit sales associate from a participating store, submit their application form, present two (2) valid IDs, and wait a few minutes to get approved!

Despite its pocket-friendly price tag, the F7 Youth comes packed with the latest smartphone features like the Facial Unlock, AI (Artificial Intelligence) technology, and AR Stickers to name a few. It also carries the same Helio P60 Octa-Core processor which is 80 percent faster than smartphones in the same price range.

Selfies made smarter

Of course, OPPO stays true to its title of ‘Selfie Expert’ with its front camera’s AI Beauty Technology 2.0—a feature that can also be found in the F7. The F7 Youth redefines selfie-taking with the technology’s capability to analyze a person’s features and beautifying them using OPPO’s improved facial optimization technology.

The 13MP rear camera also packs a punch with its A.I. Scene Recognition function which processes 16 different scenarios shot in real time to capture the right balance of brightness, exposure, color, and contrast. This, together with the depth-of-field effect, makes for impressive-looking photos.

Function and power combined

To fit the generation it is designed for, the F7 Youth is streamlined to be intelligent and powerful with its functions. Its screen showcases navigation shortcuts for convenient app surfing while its A.I. Recognition Technology equips the model with a smart and fast facial unlock feature.

In terms of power, the model carries the world’s first nm A.I. processor which gives it the edge of being 80 percent faster than previous smartphones. Its 3,410mAh battery, which has enough juice to last 15 hours of continuous usage for a whole day of charge, is complemented by an equally smart A.I. battery management system.

Designed for the stylish youth

The OPPO F7 Youth is as impressive on the outside as it is inside. It comes in two sophisticated colors or Solar Red and special Diamond Black which has a unique triangular-cut pattern on its cover that shimmer as it catches light.

In terms of the screen, the model provides an immersive viewing experience with its 6.0-inch FHD+ screen. Its bezels are 1.98mm razor-thin with the display maximized to keep the F7 Youth’s lightweight but comfortable design.

Though the model is designed with the younger generation in mind, the OPPO F7 Youth is a great smartphone of choice for anyone. Thankfully, everyone can have a chance to take it home with help from Home Credit. As Home Credit Philippines Head of Sales Petr Korinek says, “We want to bring brands like OPPO closer to consumers because they always manage to offer something new to the market. Home Credit wants to provide a good smartphone experience to a wider public with the help of our products.”

The OPPO F7 Youth will be accepting pre-orders from May 28 to June 1, 2018.

You may visit www.homecredit.ph for more information on Home Credit’s promos for OPPO, store locations, and loans.

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Home Credit goes digital with their new loan-monitoring mobile app

Home Credit Philippines, the fastest growing consumer finance company in the country, has officially launched their mobile app, My Home Credit. Since its successful pilot launching last October 2017, the app has reached over 214k installs via Playstore.

This app by Global Fintech company Home Credit is an effective and innovative way of servicing their large customer base of over two million clients nationwide. There is no more need for paper bills – with the mobile app’s push notifications, they can now check their due dates and receipts of successful payments.

Think of it as a digital loan assistant. Home Credit’s very own mobile app team ensured that from overview of loans, status and modes of payment, up to notifying them with the successful receipt – every detail about their loans is in the palm of their hands.

Not only that – since the Philippines is the fastest growing app market in Southeast Asia, HCPH is taking advantage of this opportunity to engage with its customers. Imagine having one simple application as a touchpoint between the company and its customers – convenient, isn’t it?

The app’s original features include the quick loan and payments overview and schedules, together with the app messages so customers will never miss a due date.

Recently, the mobile app team even added a chat feature for customers who prefer non-voice contact. Now, all they have to wait for are the online loan application and online payments features!

“Our mobile app team has upcoming developments lined up this year, which our customers can look forward to. Our plan for My Home Credit is more than just loan monitoring. Customers can also participate in promos and contests with great prizes at stake, and we have much more surprises to keep it exciting for them,” HCPH Chief Product & Marketing Officer Franchette Cardona shared.

In a country with the largest number of active social media users, HCPH has also brought its customer service to a social media level. And with Filipinos spending plenty of time daily for their online activities, smartphones have become a good channel to reach them – indeed, Home Credit is truly focused on its customers.

Home Credit customers can download the app from Google Playstore for free: https://play.google.com/store/apps/details?id=ph.homecredit.myhomecredit&hl=en.

To learn more about Home Credit, you may visit www.homecredit.ph.

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“Welcome to the real world!” –You might’ve said this phrase to your fresh grad, likely more than once. They’re done with schooling, and now that they’re trying to figure out the first step of adulting, how about giving them something that can help in their personal tasks – online job hunting, searching office locations, or simply passing time while waiting for appointments.

For your new grown up’s adulting essentials, Samsung has the perfect gift options: its latest Galaxy A8 and Galaxy A8+ models. With their superb specs, these units are perfect for everyone. But if you also put a premium on your budget, you’re in for a surprise: thanks to Home Credit’s 0% interest promo until the end of March, you can now give your freshies the gift they deserve without draining your funds: through 9-month installments, even without a credit card! Just approach a Home Credit sales associate from any of the participating stores, submit your filled-out form together with your two (2) valid IDs, and wait for a few minutes to get approved!

The Samsung Galaxy A8 and Galaxy A8+ come in colors that let your style show, complementing their young-professional getup. These two sport the biggest display for Galaxy A phones to date, giving the user a stunning cinematic experience. Of course, with superb display come splendid cameras – dual front cameras! Both their front and rear come in 16MP, which make selfies and wefies just as good as portraits from pros. And with their customized settings and variety of filters, snapping a masterpiece is super easy – just press the shutter!

For adventurers who are always-on-the-go, Galaxy A8 and Galaxy A8+ can keep up – with the water and dust resistance, these phones will never slow them down. No worries on the splashes or rain; they can go wherever life takes them!

It’s not all about aesthetics. For new professionals who are seeking a direction in their career, these Galaxy A’s can help in every step of the way with the virtual assistant Bixby. They can keep the day on track, set reminders, and store any kind of information – Bixby can keep up with their young, fast-paced lifestyle.

Seems too much to handle? Galaxy A8+ works on a 6GB RAM and octa-core processor, with an internal storage of 64GB – that’s more than enough to handle such tasks!

As always, Samsung knows the dynamic way of life. The Samsung Galaxy A8 and Galaxy A8+, priced at Php26,990 and Php32,990 respectively, are ideal for the young go-getters who are ready to explore the world. And as an offer for you, dear guardians who are behind their success, Home Credit made it even more budget-friendly; with their 0% interest rate promo, you can go for 9-month installments. So give your fresh graduates the gift they deserve, make it stress-free on your part!

“Everyone can choose a Samsung phone that suits their style – there’s always one that’s made for them, and fresh graduates are no exception! That’s how we keep it exciting for the customers: offer them good phones that fit their budget, at zero interest rate,” said Home Credit Philippines Head of Sales Petr Korinek.

You may visit www.homecredit.ph for more information on Home Credit’s promos for Samsung, store locations, and loans.

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What is it about the New Year that makes us want to do something or set a resolution like eat healthier, get more exercise, save more money, take up a new hobby? May be it’s just that time of the year where we want to make a list of self-improvements - again. But if your New Year’s resolution involves strict budgeting, there are countless of ways to make your funds work the way you need it to.

It’s more than just saving money, because the real question is, how? Global Fintech company Home Credit has six tips that you may consider when doing your budget plan.

Track your spending

Ask for receipts whenever possible, so you can log your expenses every day. You’re not even required to log them in an Excel spreadsheet (but if that works for you, go ahead!) –just keep it organized, so you can review it anytime. Remember, your goal here is to be aware of your daily spending habits so you’ll know the things you can live without.

The Slush fund

Be it an emergency or a car repair, there are high chances of encountering these unfortunate incidents. Keep them from running you into debt by having your emergency fund in an account that’s easily accessible for you. But use them only for emergencies!

Focus on one thing

A house? A Car? Or just start little like a new appliance or a gadget? The point is to determine one specific goal and focus all your efforts on obtaining it.

You can’t have many financial goals and try to achieve them all simultaneously without draining your other funds. Prioritize one objective and figure out how you are going to get there. If you think this means you’ll have to trim your expenses, you’re right.

The fun fund: cut down on it

There are just some days when you can’t resist the impulse to buy something out of boredom. Either that, or you just choose to spend on unnecessary things when you can just opt for a cheaper—rather, simpler way of living. Once you have tracked your spending and found what you don’t need, try to gradually—if not immediately—take it out of your system.

The list

List, list, and list. You’ve heard it again and again to emphasize its importance. If you have a list for even the smallest things you need to buy, you’ll less likely spend on impulse purchases and only stick to what you’re looking for. Of course, it’s a totally different issue if you decide to buy something else instead of the one on your list!

Installments

If you’ve already come up with a budget plan, but think that the monthly costs might still be heavy for you, then you might find it hard to do one time big time payments. Rather than one all-out spending, how about pay in installments to make your monthly costs lighter? Imagine paying for them and still having enough money!

It’s possible, even if you have no credit card. With Home Credit, you can buy yourself a reward and pay for it through installments – at 0% interest rate. Through their simple application process and fast loan approval, you can afford the things you want, and still have spare budget to add to your other funds. It only requires your two valid IDs, a filled-out application form, and 20 minutes of your time to get approved.

Budgeting isn’t just about living the matipid lifestyle, as we Filipinos like to call it. It’s more on handling your funds wisely by setting your priorities straight and maintaining your discipline to stay within your limits. And if you followed our advice to set your focus on one thing, Home Credit’s installment promos will make sure that you’ll get it in a budget-friendly way.

For more info about Home Credit’s promos, loan applications, and store locations, visit www.homecredit.ph.

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