etomo 2.0 앱 분석 (10월 6일)

etomo is a reliable online lending application owned and operated by Etomo Financing Corporation (Etomo FC). Etomo FC is a duly registered financing company with the Securities and Exchange Commission (SEC) of the Philippines with SEC Registration No. CS201840930 and Certificate of Authority No. 1187 to operate as a financing company. FINANCIAL PRODUCTS etomo Revo Revo is shorthand term for “etomo Revolving Loan”. It grants the borrowers flexibility in their finances! • Re-loan at any time as long as there is available credit! • Monthly minimum payment amount is only 8% of the outstanding balance. • Flexible payment period - Paying more than the minimum can shorten the loan period. • Flexible due date - Choose between the 2nd or 17th day of the month as your due date. • Rewards program - 10% discount on the interest amount if you pay on time! • No service fee or hidden charges! Daily Interest Rate: 0.177% Effective Monthly Rate: 5.4% Effective Monthly Rate with On-Time Reward: 4.86% Revo Loan sample computation Credit Limit: 20,000 Loan Amount: 8,000 Credit available for additional loan: 12,000 Minimum monthly payment: 8000 x 8% = 640 Round up minimum to the nearest multiples of 50: 650 Daily interest after 30 days: 0.177% x 30 days x 8,000 = 424.8 Principal payment: 650 - 424.8 = 225.2 Remaining balance: 8,000 - 225.2 = 7,774.8 If payment is made on-time Minimum monthly payment: 8000 x 8% = 640 Round up minimum to the nearest multiples of 50: 650 Daily interest after 30 days: 0.177% x 30 days x 8,000 = 424.8 10% reward on the interest: 424.8 x 10% = 42.48 Interest due after reward = 424.8 - 42.48 = 382.32 Principal payment: 650 - 382.32 = 267.68 Remaining balance: 8,000 - 267.68 = 7,732.32 etomo Term Term is a loan product with fixed monthly payment and amortization plan of 6- or 9-months. 12-months becomes available on the second and succeeding loans. • Re-loan available after full payment of the current loan. • Fixed monthly payment. • Choose between a 6- or 9-month payment period for first-time borrowers. A 12-month payment period is available for re-loans. • The first payment is due 30 days after disbursement, with subsequent payments every 30 days thereafter. • No service fee or hidden charges! Term Loan sample computation Loan amount: 6,000 Term: 6 months Monthly interest rate: 6.00% Effective monthly interest rate: 9.56% Sample monthly repayment: (Principal + Interest) 1st month: 787 + 573 = 1,360 2nd month: 862 + 498 = 1,360 3rd month: 944 + 416 = 1,360 4th month: 1,035 + 325 = 1,360 5th month: 1,134 + 226 = 1,360 6th month: 1,238 + 122 = 1,360 Total principal payment PHP 6,000 and total interest cost PHP 2,160 How to Repay Your Loan Our official payment channel are GCash, Maya, or CliQQ by 7-Eleven • Go to the Bills or Bills Payment • Search for “Etomo” as the biller • For any questions or assistance, please contact etomo Customer Service Privacy & Consent The protection of your personal information is our utmost priority, we strictly adhere to the Data Privacy Act of 2012 (RA10173) & its Implementing Rules & Regulations. For data privacy concerns, please contact the Data Protection Officer at dpo@etomo.ph. Legal & Compliance Etomo FC strictly adheres to the local regulations & standards, including the Truth in Lending Act of the Philippines (RA3765). We are an official submitting entity of the Credit Information Corporation (CIC), in compliance with RA9510. Moreover, we are compliant with the Anti-Money Laundering Commission & National Data Privacy Commission. Please read all terms and conditions before proceeding with any transaction. Contact Information For any inquiries or comments, immediately message us at contact@etomo.ph & we shall gladly assist you. If you have any feedback, questions, or concerns, please contact us at: Website: https://etomo.ph Email: contact@etomo.ph CS Hotline: 0917 877 5363 (Globe), 0961 660 0658 (Smart) Facebook: @etomo