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"What Is Home Credit? Home Credit Installment, Home Credit Payment & Credit Qwarta Explained Simply!
🏠 What is Home Credit?
Home Credit is a finance company that helps people buy products or services now and pay for them later through easy monthly installments. It’s like borrowing money to buy something, and then paying it back bit by bit.

📍 Example:
Let’s say you want to buy a ₱15,000 phone but don’t have the full amount right now. Home Credit can help you get the phone immediately, and you pay them monthly instead of paying everything upfront.

💳 What is Home Credit Installment?
Installment means dividing the total amount you owe into smaller monthly payments. Home Credit lets you choose how many months you want to pay (for example, 6, 9, 12, or 18 months).

📍 Example:
If you buy a ₱15,000 phone and choose a 6-month plan, you might pay ₱2,800 every month (including a small interest fee), instead of paying ₱15,000 all at once.

💸 What is Home Credit Payment?
Home Credit Payment refers to the monthly payment you make to Home Credit to repay what you borrowed.

You can pay through:

Home Credit app (HC app)

Partner stores like 7-Eleven, Bayad Center, SM Bills Payment

Online banking or e-wallets like GCash, Maya

📍 Example:
If your monthly installment is ₱2,800, you need to pay this on or before the due date each month to avoid penalties.

🟢 What is Home Credit Qwarta?
Home Credit Qwarta is like a virtual credit line or extra money given to you inside the Home Credit app — which you can use to:

Buy load

Pay bills

Shop online (like Lazada)

Pay QR in stores

📍 Example:
Let’s say you have ₱3,000 Qwarta. You can use it to buy ₱500 load or pay your ₱800 Meralco bill directly from the Home Credit app. You only pay back what you used.
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DISCLAIMER REGARDING EARNINGS:
The content of this video is intended solely for educational purposes. We cannot assure or guarantee any monetary gains from implementing the methods and concepts discussed herein. It is important to note that I am not a financial advisor, and any information shared on this YouTube channel should not be construed as financial advice. Achieving the outcomes presented in this video will necessitate diligent effort, expertise, and understanding.

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