Ang iyong Monthly Billing Statement para sa period of DECEMBER 30, 2022 - JANUARY 27, 2023

Account Number 4206527223

Billing Date January 28, 2023
RYLYN JOY ALMOJALLAS MAGSAYO
Past Due Amount Php 0.00
PRK.6 Total Amount Due Php 0.00
As of JANUARY 27, 2023
POBLACION BAJO
SERGIO OSMENA SR. 7106 Minimum Amount Due Php 0.00
Pay for your Minimum Amount Due on time to avoid penalty fees and save on interest fees. Paying
ZAMBOANGA DEL NORTE, PHILIPPINES more, on time means saving more, every time!

Payment Due Date February 06, 2023

The date when at least the minimum amount due should be paid.

Your Statement Summary

(-) (+)
(+) (+) (-) (=)
I. Previous Total II. Purchase
III. Interest Fees IV. Other Fees V. Payments Made VI. Total Amount Due
Amount Due Transactions

Php 0.00 Php 0.00 Php 0.00 Php 0.00 Php 0.00 Php 0.00

I. Ang iyong Total Amount Due sa previous statement ay: Php 0.00 V. Ikaw ay nakapag bayad ng: Php 0.00. Maraming salamat!
II. Ang halaga ng iyong nagastos at na-withdraw ay: Php 0.00 VI. Ang iyong Total Amount Due ay: Php 0.00
III. Ang iyong monthly installment na kailangan bayaran ay: Php 0.00
IV. Para sa fees and interest charges, mayroon kang charge na: Php 0.00

Your Minimum Amount Due Balance Information

Available
10% of Spending Limit OR the Total Amount Due whichever is lower Spending Limit Total Amount Due
Balance

Php 0.00 Php 10,000.00 Php 0.00 Php 10,000.00

How to Pay for your Qwarta Bill

Use your 10-digit Account Number to pay for your Qwarta account in accredited payment centers. To save on interest fees, avoid late payment fees
and avoid account blocking, please pay at least the Minimum Amount Due on or before the Payment Due Date.

Payment Partners

Para sa kompletong listahan ng payment partners at payment guidelines, paki-visit ang https://www.homecredit.ph/payments/#howandwheretopay o kaya tingnan ang iyong My Home Credit app.

IMPORTANT REMINDER: Interest fees are computed daily. Pay more to save more!

HC Consumer Finance Philippines FIND US ON SOCIAL MEDIA

15F Ore Central, 9th Ave. cor 31st Street FACEB LINKEDITWITTE
Bonifacio Global City, Taguig City OOK N R
 Ang iyong Monthly Billing Statement para sa period of DECEMBER 30, 2022 - JANUARY 27, 2023

Account Number 4206527223

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Bonifacio Global City, Taguig City OOK N R
 Ang iyong Monthly Billing Statement para sa period of DECEMBER 30, 2022 - JANUARY 27, 2023

Sample Interest Computation

To compute for your interest, you'll just multiply your
transaction amount to the daily interest(to compute this, you
have to divide the monthly interest rate of 4% by 30 days) then
multiply it to the number of days borrowed.

Approval Date: Jan 01 For the same example, if you pay partially within the billing cycle,
Billing Date: 28th of the month say on Jan 05 for P200, this payment will be applied in this order: (1)
1st Billing Period: Jan 01-27 Penalty Fees (2) Interest Fees (3) Principal Transactions.
Spending Limit: P3,000
In this case, to the P500 transaction on Jan 01. Computations
If you use your Qwarta account for P500 each on Jan 01, Jan 10 become:
and Jan 20 and wait for the billing date, computations for the first Interest Charges:
billing date(Jan 28) become, ((P500 x 4%)/30 days)) x 4 days (from Jan 01 - Jan 05)
Interest Charges: +
((P500 x 4%)/30 days)) x 27 days ((P300 x 4%)/30 days)) x 23 days (from Jan 05 - Jan 28)
+ +
((P500 x 4%)/30 days)) x 18 days ((P500 x 4%)/30 days)) x 18 days
+ +
((P500 x 4%)/30 days)) x 8 days ((P500 x 4%)/30 days)) x 8 days
= =
P35.33 P28.47

Total Amount Due: Total Amount Due:

P1,500(principal) P1,300(principal)
+ +
P35.33(interest charges) P28.47(interest charges)
= =
P1,535.33 P1,328.47

Minimum Amount Due: P300(10% of Limit or Total Amount Due Minimum Amount Due: P300(10% of Limit or Total Amount Due
whichever is lower. It will be P300 for this scenario since P300 is whichever is lower. It will be P300 for this scenario since P300 is
lower than P1,535.33) lower than P1,328.47)

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15F Ore Central, 9th Ave. cor 31st Street FACEB LINKEDITWITTE
Bonifacio Global City, Taguig City OOK N R
 Ang iyong Monthly Billing Statement para sa period of DECEMBER 30, 2022 - JANUARY 27, 2023

Important Reminders Questions

Interest Fees When should I pay my balance?

There is no grace period on interest fees. You can pay any amount from your transactions at any time. The
more and the earlier you pay, the more you save on interest fees.
Billing Date Meanwhile, please pay for at least your minimum amount due every
Billing date is fixed every month. due date which comes 10 days after your billing date time to avoid
penalty fees and your Qwarta account from being blocked.
Due Date
Due Date comes 10 days after the billing date. What will happen if I pay only a partial amount?
If you fail to pay for at least minimum amount due on or before due
Total Amount Due (TAD) date, the account will incur late penalty fee that is equivalent to 5%
Total Amount Due(TAD) = Principal + Interest Fees + Penalty Fees of your total outstanding balance. Meanwhile, your transactions will
incur interest fees daily until they are fully paid.
Minimum Amount Due (MAD)
Minimum Amount Due(MAD) = 10% of the credit limit or the Total Can my limit increase?
Amount Due, whichever is lower Absolutely! Please maintain a good credit standing with your other
HC loan/s to improve your chances of increasing your Qwarta
Late Penalty Fee spending limit.
Late Penalty Fee = Charged on the account if the client fails to pay
1 missed due date = 5% of Total Amount Past Due in end of billing
2 straight missed due dates = 5% of Total Amount Past Due in end
of billing
3 straight missed due dates = 5% of Total Amount Past Due in end
of billing Customer Service
Globe - (02) 7753-5711
Transactions Hotline
Transactions are posted real time onto the Qwarta mobile app PLDT - (02) 7753-5711
dashboard. International Calls +632 7753-5711

Interest and penalty fees E-mail info@homecredit.ph

Interest and penalty fees are computed monthly, on the billing date. Chat www.homecredit.ph
These amounts, including all the transactions for the billing cycle are
reflected on the statements of account as well as the Qwarta mobile
app dashboard.

Available Credit Limit

Available Credit Limit = Original Credit Limit - TAD

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15F Ore Central, 9th Ave. cor 31st Street FACEB LINKEDITWITTE
Bonifacio Global City, Taguig City OOK N R