Steps to Manage a Household Budget

Maintaining your household budget is not easy, yet it is manageable. You may be surprised of the huge amount of effort moms exert just to make ends meet. Utility bills are also not getting any lower, which is why certain aspects of the expenses put into your home must be stretched, in order to fill in the gap or days leading up to your pay day. In such case, there are various ways to manage your household budget, perhaps make it last for weeks without sacrificing any of your family’s needs. What follows are tips that you may apply in order to reduce expenses, and even save up for possible future needs:

Separate needs from wants.

Avoid giving in to the urge to buy expensive gadgets and apparel. This is one major factor that may quickly deplete your household budget. Food and beverage is priority, health care comes after that, and utilities (bills) are last, but not the least.

Prepare an emergency fund.

Some things can happen in a flash, leaving you unprepared at times. This is the main reason why you must set a few amount per month for your emergency fund. These do not literally portray accidents and illness, as there are other forms of emergencies, such as a shortage of food or utility payments.

Settle all of your debts.

Before you begin planning on how to save, focus on settling your debts. This is very important as some debts (such as bills) may incur penalty charges, and thus even leading to the disconnection of your services like the electricity and landline.

Base your budget from your earnings.

You cannot make realistic goals with unrealistic earnings. This means that depending on your monthly income, your savings would only be a percentage from those. You may try to set a 10% from your salary to be deposited at the bank, however, that percentage varies and may be affected by your needs as well.

Insure your properties.

Add this as a major factor to your household budget. Insurance may require you to pay monthly, however, having your car (and even your home) enlisted may save you a lot, especially as the Philippines is a typhoon prone country, and properties may get damaged due to constant storms. This will help you manage your household finances more, given that you’ll be saving big with insurance.

When it comes to sudden expenditures and unpredictable charges, you can never be too sure, so you must always be prepared. One great example is property damages due to calamities. It is a heavy burden to carry, but much heavier is it to carry injuries and its related expenses. As an employee, you would also be absent from work due to the injuries, hence your need to recover while missing many paid days of work. Worry no more, as here in Cebuana Lhuillier, we offer.

Image Source:
http://www.aarp.org/money/credit-loans-debt/info-2016/pay-down-debt-photo.html#slide5
https://pixabay.com/en/shopping-spending-till-slip-879498/
https://www.cebuanalhuillier.com/insurance/

Simple Tips to Build an Emergency Fund

Emergencies are always unexpected. Aside from injuries and possible property damages, you would have to deal with the emotional stress of handling whatever comes your way. Your best option would be preparation: assembling first-aid kits, insuring your properties, memorizing emergency hotline numbers, among others. Yes, while your full proof plan may be solid enough to surpass any form of calamity or sudden occurrences, it is important to note that money may play an important role during and after your preparation, which is why it would also be wise to set aside an emergency fund. With that in mind, here are a couple of tips to build your own emergency fund:

The question shouldn’t be “how much you have left?”, but rather “what can you set aside as early as now?” 

Every pay day, put aside a certain amount towards your emergency savings before tending to other expenses. Once this money is safely in your savings account, you won’t be tempted to spend it. Yes, we all have bills to pay, but much bigger will the expenses be if we fail to set aside for future use. Make most of your monthly pay and prepare an account that would be beneficial to your emergency fund.

The more you do it, the more natural it becomes.

As with human nature, habit is a contributing factor to our routines. Doing something over and over again makes it second nature to us, which is why you should consider setting up your habit first. When you put aside money for one pay day, keep on doing it for the upcoming amounts, you would be surprised at how much your emergency fund had ballooned over a few months of your saving.

Consider cutting your expenses.

Not everything that we usually pay for lands on the “need” list. Your needs should outweigh your wants. An emergency fund is definitely a major need and you wouldn’t want to reach the point where you are almost penniless during emergencies just because you failed to save. Know where your priority lies and always be prepared.

When it comes to emergencies, you can never be too sure, so you must always be prepared. Property damage is a heavy burden to carry, but much heavier is it to carry injuries and its related expenses. As an employee, you would also be absent from work due to the injuries, hence your need to recover while missing many paid days of work. Worry no more, as here in Cebuana Lhuillier, we offer the EmployeeCARE, a Group Personal Accident Insurance specially designed for employees. It covers Accidental Death, Disablement & Dismemberment (ADD&D), Accidental Medical Cash Aid, Burial Benefit (Accident/Sickness), Unprovoked Murder & Assault (UMA), Motorcycling and Personal Liability. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
https://pixabay.com/en/moneybox-pig-piggy-saving-bank-158346/
https://www.pexels.com/photo/black-calculator-near-ballpoint-pen-on-white-printed-paper-53621/
https://www.cebuanalhuillier.com/insurance/

Pera Padala 101: Ways to Manage Money Remittances from Abroad

OFWs are the modern heroes of our time. It’s a statement that may have been overused, but it definitely holds truth. It requires a lot of courage and determination to be away from your loved ones, in exchange of giving them a convenient and bountiful life. Needless to say, their sacrifices are worth it as they are able to provide their family enough financial sustenance to get through every expenses. As for their families at home, it would only be wise to stretch out the budget and make good use of the amount being sent to them every payday. After all, that is money gained from the hard work of their loved one abroad. Here are just a few ways to manage money remittances from our OFW relatives:

Plan out your budget.

This requires proper timing. Communicate with your loved ones abroad on when they would be sending the next amount, or at least the time frame of their remittances. This would be vital as you need an accurate estimate of your expenses and how long you’ll have to wait for the next budget. This would allow you to stretch out the amount and make adjustments just to fit your everyday expenses.

Comparison of product prices.

There is a reason why OFWs love to haul in “balikbayan” boxes every time they pay their loved ones a visit in the Philippines. Items such as corned beef, toothpaste, and even shoes may also be found in our local malls and groceries, however, they are offered at a lower price in other countries due to economic differences, hence, it would be wiser to just save up on the monthly remittances by avoiding any expensive purchases, then asking our OFW loved ones to avail the items from their end instead.

Prioritize needs over wants.

This is related to the second pointer. You would not need to avail expensive apparels or gadgets here in the Philippines as their local prices are sky high. Since they are much cheaper abroad, you may just request your loved ones to avail the items from their end and bring it with them when they come home for vacation. In this way, the remittances you’d be receiving would be sufficient for needs such as utility bills, school fees, etc. Such wise decision would enable you to even save up for emergencies and other future use.


With all of these in mind, you and your loved ones are hoping for a remittance service that would only provide the smoothest transactions possible, with no hassle and delay along the way. Well worry no more, as we at Cebuana Lhuillier offer our Pera Padala Service, an easy, quick, and safe way to send and receive money. With more than 2,000 branches nationwide and accredited international partners, this money transfer service is made available to clients within and outside the Philippines. All transactions are real time, which enables clients to claim the money as soon as the sender completes the sending process in the branch. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
https://pixabay.com/en/coins-calculator-budget-1015125/
https://pixabay.com/en/checklist-to-do-activities-boxes-1766064/
https://pixabay.com/en/stamp-priority-preference-special-2022906/

Factors That Affect Car Insurance Rate

It’s your first time to get car insurance and you’re excited to receive a great deal. You think that this will definitely help you save in the long run; after all, insurances were made so that you may avoid major expenses in injuries, repairs and other property damages. However, there are things that insurance companies are not willing to tell you, one of which is that you may be paying more than what you bargained for. Car insurances have their own equivalent rates and there are factors affecting this rate, hence, you must be aware of these in order to adjust your budget, and hopefully, avoid roadblocks in your savings:

Your address

Your home address would affect your insurance premium in the long run. Of the all the factors that affect car insurance rates, location is chief among them. Insurers would take note of your neighborhood’s crime rates, population, weather patterns, and the severity of claims made annually. This is because they are assessing the risk that your car may be subjected to, and from there, they may be able to analyze the amount or the right package that would be fitting for you and for their business, with the implication that you and your insurer should have a win-win situation deal, even when at times it may seem costly than the average.

Your age

Surprisingly, this is also a major factor when it comes to insurance rates. Your age would reflect the type of premium that you may need, especially if you are young or in your early 20’s. A study from the Insurance Institute for Highway Safety (IIHS) indicates that the fatal crash rate for teen drivers is three times those of drivers over the age of 20. It may be a rough estimate, but that doesn’t stop your insurance company in determining your options. On the other, older drivers tend to be involved in more accidents. People aged around 75 to 80 may have difficulty with their eyesight, hence the statistical result. This also plays an important role in your insurance premiums, which also implies that risk a major factor in your car insurance rates.

How you usually use your vehicle

How you use your ride will also affect your premium. If you use your vehicle for commercial purposes, like for Grab or Uber, you may need to disclose this. Failure to do so could result in a denied claim if you are in an accident while on the job. If you have a long commute or drive frequently after midnight, expect your rate to be a bit higher as the time and longevity of your travel also imposes risk on your vehicle.

After reading all of the determining factors for your car insurance rates, you finally agree to get one. However, you are unsure which is which. No worries as we had got you covered. At Cebuana Lhuillier, we offer the AutoCARE Insurance, a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage. Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON). So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
https://www.pexels.com/photo/red-sports-car-miniature-ferrari-35964/
https://pixabay.com/en/navigation-gps-location-google-2049641/
https://www.pexels.com/photo/timelapse-photography-of-vehicle-on-concrete-road-near-in-high-rise-building-during-nighttime-169677/

Benefits of Having a Fixed/Time Deposit Savings Account

A time deposit account may be more beneficial for you than any other type of bank account. Yes, various accounts have their own features, each with of their underlying pros and cons as well. However, if it’s your intention to save money, then this one may be your best option. Why would I even apply for one, you may ask? We have enumerated a few important factors that may describe why a time deposit account is beneficial for you:

It provides you with a higher interest rate.

Unlike a savings account, a time deposit gives you a better value for your money when it comes to interest rates. While you are patiently waiting to withdraw your money at a certain period of time, the accumulated interest will be higher than the average, thus adding more to the cash amount. It is not to say that it’ll give off a large sum by the time that you withdraw; rather it would at least provide you with a little extra, beneficial for those days that you will require more for an allotted budget or expense, much like an emergency fund.

You get to choose how long you want to invest your money.

A time deposit account also enables you to customize your investment, providing you with options ranging from 30 days to ten years. When you really want to put aside cash without the fear of impulsive shopping, thus, forcing you to withdraw anytime, then this type of account will help you value your savings more. If you opt to go for a whole month without touching any of your hard-earned cash, then at least a time deposit would help you accomplish that. Take note that emergency funds may not be suitable for this type of account, as you may need to withdraw for those immediately while this one restricts you from doing so.

You can choose to have more than one fixed deposit account.

Yes, it will enable you to save, but how does it stack up for emergency purposes. No need to worry, as you may opt to have more than one time deposit account. To accomplish saving a huge amount, you may choose to avail an account with a longer investment period, while on the other hand, a shorter investment period would enable you to withdraw, perhaps just in the nick of time when an emergency arises. Manage your money properly and strategize with your accounts.

Be a master of your savings and hard-earned money with a trusted name that offers only the best service possible. If you’re a resident of Bacoor, Cavite, Calatagan, Batangas then the Cebuana Lhuillier Rural Bank is your one-stop spot for opening your own savings account.

Image Source:
https://pixabay.com/en/hourglass-money-time-investment-1703349/
https://pixabay.com/en/pocket-watch-time-of-sand-time-1637393/
https://pixabay.com/en/coins-currency-investment-insurance-948603/

Ways on How to Get the Most Out of Your Business Loan

When accomplishing a loan for your business, surely you would like to use it wisely. It may have taken a great effort in getting the approval for your capital; however, it is a much tougher struggle in using your funds in the most budget-friendly way, making sure that not a cent gets wasted. There are many ways to get the most out of your business loan, regardless of the size of your venture. In most cases, people tend to overspend, putting them in more debt. This should be avoided, which is why we had enumerated a few important factors to consider in handling the amount set aside for your business:

Put the money in a separate account.

Your personal account should not be mixed with the business capital. There are banks offering accounts which are specifically set up for money used in businesses. Inquire on this aspect as separating your personal money would be critical to managing your capital. This would enable you to avoid overspending, in that you would only spend your personal cash, and not the capital that you would be putting into your venture.

Set up automatic loan payments.

When you were requesting for a loan, you made a promise in the form of a contract. This contract demands that you pay a particular amount in a specific set of time, countersigned by the lender. In such case, having overdue or missed payments on your loan can really hurt your credit score, and make it more difficult for you to borrow money in the future. Avoid missing deadlines at all cost. Setting up automatic payments transfers the needed amount without giving you any hassle. Even if you would forget to pay, the automatic payment already saved you from having a blemished paying record.

Don’t assume that once you’ve got funding, you are all set.

Always be prepared for any unforeseen expenses. This is one of the main reasons why you should save and keep every expense recorded via receipts, so that you may not overspend and still be able to keep a few amounts aside for possible fees, with regard to your business process. Remember, the best plan to execute is a well-thought plan that would save you and your venture from debts and deadlines.


If, after learning of these various types of loans, you are still doubtful of which one would best work for you and your business, worry no more. We at Cebuana Lhuillier offer Lucky Loans, a multi-purpose loan offered to SMEs such as restaurant and mini groceries, among other businesses. It is convenient, fast, and secure. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now!

Image Source:
http://tweakyourbiz.com/finance/2015/02/12/what-is-a-typical-interest-rate-on-a-small-business-loan/
http://www.bmmagazine.co.uk/in-business/advice/3-reasons-keep-business-personal-bank-accounts-separate/
http://businessadvice.co.uk/tax-admin/year-end/three-quarters-of-self-employed-workers-use-personal-accounts-for-business-finances/

Tips to Save on Car Insurance

Accidents happen. This is the main reason why many would avail of car insurance–to avoid spending big for damage repairs and possible hospital bills later on. There are various coverages in terms of car insurances, however, always remember that not all coverages are applicable for you. There are only a few that would save you a lot of money, depending on your needs. With this, we had enumerated few tips to keep in mind in order to save on car insurance:

Choose a well-known insurance company.

The thing about companies with familiar brand names is that there is a reason why a lot of people know about their products and services. An insurance company that has been around for decades would obviously be better trusted than those that just came into existence after a few years. Aside from the fact that well-known companies had already stood the test of time, some also implement promos and discounts on car insurances and coverages. Grab this opportunity as well, while transacting with a tested insurer.

Do an Annual Rate Check.

The thing about prices is that they constantly change with the flow of an economy. The insurance fee for today may be a lot different tomorrow, which is why you should time your purchase of car insurance. Ask around different companies and request for the price list of their coverages. Know if there are any hidden charges, be familiar with the different aspects of their coverage, and choose one that would best work for you. Many would mistakenly choose a higher price, not knowing that there is a lower alternative from another company, an expense that was not avoided due to lack of research.

Report Reduced Mileage

One of the factors affecting the cost of car insurance is miles driven per year. The average is about 12,000 miles. But if you’re driving a lot less than usual for some reason, like a job change or retirement, let your insurer know. Your reduced driving could cut 5 to 10 percent off your premium. This is due to the fact that, the less you drive, the lesser chance of you getting involved in an accident. Again, take note that this is applicable for those undergoing job change or retirement, which means you either cover only short travel distances or do not travel at all.

You finally decided to get a car insurance. However, you would prefer an affordable one that would really look out for you in times of need. No need to worry, as here in Cebuana Lhuillier, we offer the AutoCARE Insurance, a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage. Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON). Be a hero on the road, be safe, and be insured. Visit your nearest Cebuana Lhuillier branch!

Image Source:
https://www.pexels.com/photo/green-scale-model-car-on-brown-pavement-35967/
http://premierchoiceaz.com/top-reasons-high-car-insurance-cost/
http://www.brokerservicenetwork.com/top-7-tips-finding-good-life-insurance-company/

Tips to Improve Your Chances of Getting a Small Business Loan

It’s tough to get rejected when you’re applying for a business loan. No approval, no business capital. Indeed, borrowing money for your business may seem complicated, as many are turned down, regardless of the type of business they have in mind. However, this doesn’t mean that your chances would always be slim. As a matter of fact, there are already several factors that may affect, and even improve your chances of borrowing the capital amount–you would just need to prepare in advance. Here are a couple of ways to improve your chances of getting a small business loan:

Prepare and smoothen out your business plan.

Lenders would like to see what you have in mind. They would like you to convince them that once they lend you your capital, you would succeed in your business and be able to pay back what is owed. The road map of your venture would be better explained in a business plan. You don’t need to include gimmicks when presenting lenders with your idea; you just have to be clear with your goals and your strategy in making your ideas work and turning your dream business into a successful reality.

Don’t settle for a single lender.

As with all choices, proper analysis of your options would enable you to go for a wise decision. Having the right lender by your side would mean that you wouldn’t have to deal with the hassle that comes with tight time frame for payments and very strict regulations. In some occasions, you may even negotiate when to pay and how much you would have to provide in a particular amount of time. “Shop” for different lenders and choose the one which would best work for you and your business in the long run.

Prepare more than one payment plan.

As with never settling for just one choice of lender, you should also prepare for multiple payment plans as well. There are many expenses along the way and you would need to cope per each due date, either that or you would get penalized for late payments. Think about the finance you need and the purpose and period you need it for, then prepare two different payment plans. Having a clear payment plan will make you appear to be a responsible borrower and increase your chances of approval.

Get a jumpstart on your business venture with a trusted name that offers only the best service possible. If you’re a residence of Laguna and Southern Metro Manila, then Cebuana Lhuillier’s Lucky Loan is definitely your top choice. It is a multi-purpose loan offered to registered entities such as tricycle operators, credit cooperatives, and other groups, as well as SMEs such as restaurant and mini groceries, among other businesses. Our network of more than 2,000 Cebuana Lhuillier outlets and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application to disbursement process ensures services are delivered on time. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
http://www.businessbee.com/resources/profitability/finance/6-things-youll-need-to-secure-a-small-business-loan/
http://www.greenbushfinancial.com/sample-business-plan/
http://www.swgordoncpa.com/irs-payment-plan.php

Tips to Choose the Best Personal Loan for You

Once in a while, we get the idea of getting our own personal loan to meet various needs. They are actually a preferred type of loan for some as they may pay off the loan within a set amount of time. Other than that, it may seem practical as it offers the feeling of financial freedom, especially for those who are looking to have a little extra when it comes to expenses. With this, you may want to experience the same cushion in terms of financial stability; however, there are factors to consider when applying for one. Here are some pointers to consider before signing up for a personal loan:

Have one that matches your needs.

There is a reason why you would like to apply for a personal loan. You may either want to consolidate your credit card debt, improve your home, invest in your business, or simply take a vacation. Regardless, knowing the purpose of your loan would help you not only receive the best deal out of the whole process, but also remind you of the terms involved in the underlying payments that you would have to accomplish after a set amount of time.

Choose the right lender.

There are many financing sources that offer personal loans; each has their own policies and interest rates. Shop around and find a lender whose loan products best fit your needs so you may adjust and adhere to the regulations and time period given to you. Also take note of the requirements, as varying financial sources would mean varying documents as well.

Read the fine print

Being cautious helps a lot, especially in transactions that involves a lot of money. Be firm in asking for a full disclosure of all the loan terms and make sure to read the fine print. There are differences in the regulations offered by different lenders. See if the monthly payment and repayment terms work for you. There also could be penalties for late payments.

After reading through our tips, you would definitely want to choose a loaning service that would best be applicable to your needs, without all of the hassles. Look no further than Cebuana Lhuillier’s Happy Loan, a multi-purpose loan amounting from Php 5,000 to Php 15,000 offered to any individual who is employed, self-employed, student, or a remittance beneficiary. Our network of more than 2,000 Cebuana Lhuillier outlets and online presence give customers unlimited access and utter convenience in applying for a loan.

Image Source:
http://www.imoney.ph/articles/the-best-personal-loans-in-the-philippines-2016/
https://www.coach2connect.co/needs-in-relationships/
https://carleton.ca/campuscard/terms-and-conditions/

Personal Loan 101: Bank Loans vs Private Lender Loans

Loans vary, depending on your needs and preferences. If you decide to open your own business, you would need capital, or the preliminary amount that you would use to startup your venture. You would like to start immediately, however, your savings aren’t enough to accommodate the overall capital itself. So you choose to borrow money for your business; in short, you apply for a loan. In such case, you have two choices; one is a bank loan while the other is a private lender loan. You’re not sure which to take up, so you do your own research. No need to look further though, as we had enumerated a few differences to help you decide:

Bank Loans offer lower interest rates than Private Lenders.

You read that right, they do offer lower rates. You may be wondering why. Well, banks have lower cost of funds than lenders. Depositors keep a lot of money in their checking and savings accounts, hence, banks have easy access to those funds to lend out. And, if banks don’t pay interest for those deposits or pay very little interest then those funds are very cheap for the bank to use. It is also notable that Private Lenders borrow the money that they’re going to lend from the bank itself, which is why they have a higher interest rate, since additional fees would be given to the “middle man,” in this case, the lenders themselves.

It is easier to get an approval from Private Lenders.

Just when you thought that the first pointer would convince you to immediately apply for a bank loan, you end up reading this second pointer, which is to say that it is much easier to get an approved loan from a Private Lender. The reason for this, you may ask? While banks definitely have the freedom to lend out funds at lower rates, they hardly do. Banks are the main rivals of Private Lenders, which is why they would just need to lower their rate a little in order to make you decide in choosing them instead. If the Private Lenders offer you a 10% interest rate, the banks (cunning as they are) would only have to charge you 9.8% in order to convince you that they are a much affordable choice. Aside from this, they would also require a lot of paper work and pre-requisite documents, unlike Private Lenders.

Go for the one which you will most likely get approved for.

This is the best factor to consider. Don’t feel bad for not getting your preferred method, you may try out for the other one and try again in the future, when your business is finally reaching its peak. The best thing about having two types of loan is that you are not restricted to just one method. Do your research, learn from every mistake, and strive to achieve the loan that would be most beneficial to your business.

Get a jumpstart on your business venture with a trusted name that offers only the best service possible. Cebuana Lhuillier’s Lucky Loan is definitely your top choice. It is a multi-purpose loan offered to registered entities such as tricycle operators, credit cooperatives and other groups, as well as SMEs such as restaurant and mini groceries, among other businesses. Our network of more than 2,000 Cebuana Lhuillier outlets and online presence give customers unlimited access and utter convenience in applying for a loan.

Image Source:
http://www.al-amanahbank.com/
http://www.shortterm.com/uk/list/get-loan-bank/
http://www.wedecor.ae/authority-approvals/

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  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)