Download UnaCash APK for Android (Free)

UnaCash is an all-digital money mortgage utility that offers you a handy and seamless expertise with low rates of interest. No financial institution visits wanted, no hidden expenses, and undoubtedly no trouble utility. Handy money mortgage utility with out leaving the security and luxury of your own home.

Mortgage quantity:
• min PHP 2,000
• max PHP 30,000
Mortgage phrases:
• min 2 months (not lower than 61 days)
• max 6 months
Variety of funds:
• 2 occasions a month as much as 6 months
Mounted rate of interest:
• 10% monthly
Disbursement price:
• PHP 0
No mortgage disbursement and/or servicing included.
Early reimbursement obtainable any time after mortgage disbursement.
Accrued curiosity can’t be cancelled in case of early reimbursement.
Most Annual Share Price (APR) 60%

Late Fee. The cost made past the stipulated due date shall be charged with an relevant late cost price, which shall be computed from installment due date as much as the date of precise cost. The Late Fee Price – PHP 800

Prolongation Price. Topic to prior analysis and approval technique of the Lender, an “eligible” Borrower could at any time, request for a mortgage extension which shall shift the due date of all the mortgage obligation or any of its installment to a later date primarily based on the variety of permitted days of extension. The Prolongation Price – PHP 200

Penalty. Upon failure of the Borrower for any trigger in any respect to pay any of the funds when due (single or installment cost), the Borrower hereby acknowledges that all the excellent steadiness of the Mortgage Quantity shall, with out want of demand, instantly develop into due and demandable. Any and all unpaid and demandable installment funds shall be topic to penalty expenses on the price of 10% monthly (0.33% per day) till totally paid. Within the occasion of the Borrower’s default, the Borrower shall pay the prices of assortment of the Promissory Notice, together with cheap legal professional’s charges in an quantity to not exceed 50% of the quantity due and payable, which sum shall in no case be lower than PHP 25,000.

Curiosity is accrued to preliminary mortgage quantity and included into reimbursement, e.g.:
Mortgage quantity: PHP 10,000
Time period: 5 months
Rate of interest: 10% monthly
Curiosity quantity: 10,000*5*10% = PHP 5,000
Compensation (bimonthly): (10,000 + 5,000)/5/2 = PHP 1,500
Compensation (month-to-month): PHP 3,000

Complete quantity to be paid by shopper = PHP 15,000
Complete quantity to be paid by shopper if with late cost and prolongation price = PHP 16,000

Regular cost schedule:
1st cost: PHP 1,500
2nd cost: 1PHP ,500
third cost: PHP 1,500
4th cost: PHP 1,500
fifth cost: PHP 1,500
sixth cost: PHP 1,500
seventh cost: PHP 1,500
eighth cost: PHP 1,500
ninth cost: PHP 1,500
tenth cost: PHP 1,500

Fee schedule with late cost and prolongation:
1st cost (in time): PHP 1,500
2nd cost (prolongation 4 days): PHP 1,700 (PHP 1,500 month-to-month cost + PHP 200 prolongation price)
third cost (in time): PHP 1,500
4th cost (paid 5 days later): PHP 2,300 (PHP 1,500 month-to-month cost + PHP 800 overdue price)
fifth cost (in time): PHP 1,500
sixth cost (in time): PHP 1,500
seventh cost (in time): PHP 1,500
eighth cost (in time): PHP 1,500
ninth cost (in time): PHP 1,500
tenth cost (in time): PHP 1,500

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