A family member reported 12 payments still remained after PHP116,000 was paid on a PHP70,000 Home Credit loan

A family member described a PHP70,000 Home Credit cash loan with a 42-month schedule at PHP3,885 a month. According to the post, 30 monthly payments had already been made, adding up to about PHP116,000, but 12 payments were still left. The remaining year of payments had become difficult for the family to afford. The post asked whether there was a way to reduce or settle what remained rather than continue the same monthly schedule. The figures and repayment status are the family member's report. BorrowTalk did not review the contract or account ledger, and the public thread does not show whether Home Credit later changed the schedule or whether the final 12 payments were completed.