FICCO: Pros and Cons in investing and taking a loan with FICCO | Cooperative in the Philippines

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  • เผยแพร่เมื่อ 22 ก.ย. 2024
  • #ficco #cooperative #philippines #investinginthephilippines
    Here are the pros and cons in investing and taking a loan with FICCO.
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ความคิดเห็น • 73

  • @MommyGingBudgets
    @MommyGingBudgets ปีที่แล้ว +2

    Kelan lang nagsimula kami nang asawa ko hulog namen tig 100 sa Savings 100 naman Share… ngaun more than 10yrs na kami memeber dito☺️ can’t deny laking tulong nang Ficco samen..

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @JerubaalEmnacin
    @JerubaalEmnacin หลายเดือนก่อน +1

    Ask kolang yong LAD pira batin yon pagtayo nag lad malaki ba ang tubo lalot duedate na

    • @budgettogether8627
      @budgettogether8627  หลายเดือนก่อน

      LAD (loan against deposit), mas mataas ng kaunti Ang interest ng LAD kompara sa regular loan.. mas hassle Ang regular loan kasi need mo ng co-guarantor (class A dapat status niya), at may kaltas ng mga around 2% pagbinigay sa iyo.. dahil may processing fee, may insurance.. at insurance fees per yr hanggang hindi mo pa nababayaran…
      Kaya para sa akin, mas OK na Ang LAD, makakaearn ka rin ng patronage fund kasama ng dividend per yr..
      Happy budgeting Ate!

  • @maryjeanomandam2078
    @maryjeanomandam2078 8 หลายเดือนก่อน +2

    Pwede KO ba magtanong ...mayron bang ficco dito sa batangas

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @Worldanaliza
    @Worldanaliza 5 หลายเดือนก่อน

    ❤❤ Thanks

  • @hyamd9170
    @hyamd9170 2 ปีที่แล้ว +1

    Great information

  • @TheBeast-pm4uk
    @TheBeast-pm4uk 2 ปีที่แล้ว +3

    do they have an investment that gives dividends every quarter?

    • @budgettogether8627
      @budgettogether8627  2 ปีที่แล้ว +1

      No, they don’t have investment that gives a quarterly dividend.. 😊

  • @aliamjad8036
    @aliamjad8036 2 ปีที่แล้ว

    Very Informative Video

  • @marchiepal4822
    @marchiepal4822 ปีที่แล้ว +1

    Ano po yung shared capital? Kailangan po bang every deposit nyo for savings is mag deposit rin for shared capital? Magkano po minimum deposit sa shared capital?

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว +1

      Kapag nagjoin sa coop, meron savings account at share capital. Ito ung basis magkano ang makikuha mo sa dividend.
      Hindi naman kailang every month, pero kung new joiner - mas recommended na every month maghulog, para madetermine ang consistency.
      Minimum Php100.

    • @naaaah22
      @naaaah22 ปีที่แล้ว

      Ang share capital at share deposit iisa lang po ba yun??
      Kailangan po ba mag loan para meron dividend makuha?

    • @graveripper69
      @graveripper69 ปีที่แล้ว

      @@budgettogether8627 Question: mag kaiba ba ang interest rate sa Share Caipatl vs Retirement Savings vs Installment Savings? New Subscriber po ako.

    • @edjelynmagz8762
      @edjelynmagz8762 หลายเดือนก่อน

      ​@@naaaah22😊

  • @mariecriseliodra9621
    @mariecriseliodra9621 2 ปีที่แล้ว +1

    Paano kung hindi makapunta sa anual assembly makukuha parin ba ang dividends

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว +1

      Opo, papasok ung pera sa savings account

    • @judithhaganas2165
      @judithhaganas2165 5 หลายเดือนก่อน

      Yes po ipasok nila sa account mo, ganoon din sa akin evry year wala ako pero nag appear sa ficco account ko po

  • @fevenjamespodiotan9170
    @fevenjamespodiotan9170 2 ปีที่แล้ว +1

    magkano po possible minimum na pwede monthly pag nag loan ako 140k. mag deposit ako 70k

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว

      Kung bagong member pa lang.. dapat 70% ng loan amount ung nasa savings account

  • @nikyabodigital
    @nikyabodigital 2 ปีที่แล้ว +1

    What if hindi ako pumunta sa General Assembly? makakatanggap parin po ba ako ng dividends?

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว

      Opo, papasok sa savings account ung dividends

    • @judithhaganas2165
      @judithhaganas2165 ปีที่แล้ว

      Yes, pumasok po sa account ko yong dividend every year

  • @NaithanDelacruz-f6x
    @NaithanDelacruz-f6x 6 หลายเดือนก่อน

    Gudmurning po ask lang po kung San Ang branch nyo sa Quezon city

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @jeoffreymatildo
    @jeoffreymatildo 11 หลายเดือนก่อน

    Paano mag attend na wevenar nyo mam gosto kong mo attend ng wevinar

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @royllanos3994
    @royllanos3994 2 ปีที่แล้ว +1

    Do FICCO members have an I.D issued by the Coop?

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว +1

      Meron po. Kailangan sabihin sa kanila, na gusto niyo pong ID, kasi may bayad po.

    • @judithhaganas2165
      @judithhaganas2165 ปีที่แล้ว

      Magkano po ba ang bayad pag gusto mo kukuha ng ID

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว +1

      @@judithhaganas2165 hindi ko po sure ung exact amount… pero around Php150

  • @TresildaAbano
    @TresildaAbano 3 หลายเดือนก่อน

    hi Po good evening my branch ba kayo sa bohol.

    • @budgettogether8627
      @budgettogether8627  หลายเดือนก่อน

      Pa check na lang po sa fb Nila, member lang po ako
      th-cam.com/video/tDf4QOduDzg/w-d-xo.htmlsi=0OrQnRSlTWu6lbFK

  • @jeoffreymatildo
    @jeoffreymatildo 11 หลายเดือนก่อน

    Paano maka pa member mam taga tebagun pantukan de oro po kami

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @graceliciousdexplorer2950
    @graceliciousdexplorer2950 2 ปีที่แล้ว +1

    Meron po bang time diposite sa ficco

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว

      Meron po g time deposit at meron ring IS Plan, mas mataas ang interest ng IS compared sa time deposit.

    • @judithhaganas2165
      @judithhaganas2165 ปีที่แล้ว

      Ano po ba yong IS plan?

    • @judithhaganas2165
      @judithhaganas2165 ปีที่แล้ว

      And whats the difference po between IS at time deposit?

  • @naaaah22
    @naaaah22 ปีที่แล้ว

    What IS plan po ba? Do you have a video for the 1st timers po?

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @shawnskye6553
    @shawnskye6553 ปีที่แล้ว

    your cons is not actually cons coz nowadays insurance really helps.

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @TeresaVillarimo
    @TeresaVillarimo 6 หลายเดือนก่อน

    Saan ba banda ang office nyo dto sa cavite

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @vodkaredbull1974
    @vodkaredbull1974 ปีที่แล้ว

    pwede ba mag lagay ako ng 100k sa ficco. tas mag car loan ako sa kanila?

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @richarddomingo5931
    @richarddomingo5931 2 ปีที่แล้ว +1

    Hm Dividends now by this time?

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว

      For 2021.. 6%
      FICCO: My Source of Passive Income in the Philippines | Income with no stress
      th-cam.com/video/LQps5-4P-7A/w-d-xo.html

  • @ljea
    @ljea ปีที่แล้ว

    for a college student and an aspiring member of FICCO po, which would you recommend ilagay yung money sa IS or sa savings po..?

    • @graveripper69
      @graveripper69 ปีที่แล้ว

      UP please

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @irish66
    @irish66 ปีที่แล้ว +1

    Hi, i am not filipino or over there, But I do have some body over there. She is considering opening an account.
    Anyway I am confused about this thing regarding regular loans and loan against deposit. So is a regular loan, if you have no money in your account.
    Then loan against deposit. So does the amount you can borrow depend on the amount you have in deposit. for instance could you borrow 50,000 on a deposit of 10,000.
    How long do you have to be a member to be able to borrow?
    Do you get a choice on how long you will take to pay it back eg one year, two years, or more?
    Can you apply for another loan before first loan is paid?
    Do all Ficco Branches operate under the same rules?
    How long does it usually take for a loan request to be granted or denied?

    • @wantoting24
      @wantoting24 ปีที่แล้ว

      They have online membership. Your question will be answered during virtual videos you watch and take an exam.

    • @irish66
      @irish66 ปีที่แล้ว

      @@wantoting24 Hi, Thank you very much.

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @momyjeanvlogs
    @momyjeanvlogs 7 หลายเดือนก่อน

    Paanu pi mag join dito

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @TresildaAbano
    @TresildaAbano 3 หลายเดือนก่อน

    Puede ba time deposit dto.

    • @budgettogether8627
      @budgettogether8627  หลายเดือนก่อน

      Pwede po, meron sila
      th-cam.com/video/tDf4QOduDzg/w-d-xo.htmlsi=0OrQnRSlTWu6lbFK

  • @johnrexclapano4113
    @johnrexclapano4113 6 หลายเดือนก่อน

    How to apply

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @kothaimohanraj4068
    @kothaimohanraj4068 ปีที่แล้ว

    How to to Jain

    • @budgettogether8627
      @budgettogether8627  5 หลายเดือนก่อน

      How to join with FICCO? #ficco #cooperatives
      th-cam.com/video/tDf4QOduDzg/w-d-xo.html

  • @jakeadamguiron3454
    @jakeadamguiron3454 2 ปีที่แล้ว +1

    Do I still have to pay the annual fees if i'll just open a time deposit?

    • @budgettogether8627
      @budgettogether8627  ปีที่แล้ว

      Yes.. mag babayad pa rin ng php40 a month, at need magdeposit for capital

    • @judithhaganas2165
      @judithhaganas2165 ปีที่แล้ว

      Just wondering, ano po ba yong 40 pesos deduction every month