“LEGIT BA ‘TO?!”
A customer asks if Skyro is legitimate. What is the BEST response?
Regulated by Bangko Sentral ng Pilipinas (BSP)
What is the correct eligibility?
A. Filipino, 18–70
B. Filipino, 21–65
C. Filipino, 18–65 with income
D. Filipino, employed only
C. Filipino, 18–65 with income ✅
How do you compute downpayment?
A. FA × interest
B. Retail – Financed Amount
C. Retail + fee
D. Monthly × term
B. Retail – Financed Amount ✅
Interest rate range?
A. 4.9% only
B. 10%
C. 3.9%–7%
D. 4.9%–6.9%
C. 3.9%–7%
When does extended warranty start?
A. Immediately
B. After purchase
C. After manufacturer warranty
D. After approval
C. After manufacturer warranty ✅
Which is the most professional alternative to “fix”?
Resolve
Pag-IBIG ID accepted when applying for a loan?
NO
Item = ₱60,000
Financed = ₱35,000
How much DP?
A. ₱15,000
B. ₱20,000
C. ₱25,000
D. ₱30,000
C. ₱25,000 ✅
How do you explain effective interest?
A. Ignore it
B. Typo
C. Summarizes all charges
D. Remove it
C. Summarizes all charges
Loan protection ends when:
A. Loan continues
B. Never ends
C. Loan ends
D. Customer cancels
C. Loan ends
What should be avoided in customer responses?
Clichés and scripted responses
Which is NOT a reason for rejection?
A. Poor credit history
B. High debt burden
C. Incorrect data ✅(Common mistake)
D. Insufficient income
C. Incorrect data
What is the origination fee for ₱30,000 FA?
A. ₱2,000
B. ₱1,500
C. ₱690
D. ₱3,690
D. ₱3,690
Lowest fee payment method?
A. Online banking
B. QR Ph
C. OTC
D. All same
B. QR Ph ✅
What is SkyroPondo?
A. Credit line
B. Savings account
C. Payment account
D. Insurance
C. Payment account
A customer wants to buy an item worth ₱60,000.
The approved financed amount is ₱25,000 👉 How much is the downpayment?
₱35,000
Question:
What is the best suggestion for new applicants?
A. File a ticket
B. Self-apply via app
C. Wait for approval
D. Go to support
B. Self-apply via app ✅
If FA is ₱25,000, total loan is:
A. ₱25,000
B. ₱26,000
C. ₱28,190
D. ₱30,000
C. ₱28,190
Late payment fee is?
A. Fixed ₱500
B. Based on FA
C. 5% of monthly due
D. No fee
C. 5% of monthly due ✅
When can customer avail Flexi VAS?
A. Approval only
B. Customer service only
C. Both approval + after
D. Not allowed
C. Both approval + after ✅
A customer is approved for a Financed Amount of ₱30,000.
👉 What is the origination fee?
✅ Correct Answer: ₱3,690
Can new customers apply for cash loans?
A. Yes via app
B. Yes anytime
C. No, it’s cross-sell only
D. Only via partners
C. No, it’s cross-sell only
Max DP for ₱86,990 item?
A. ₱20,000
B. ₱25,000
C. ₱61,990
D. ₱78,000
C. ₱61,990
Monthly due = ₱2,000
Late fee?
A. ₱200
B. ₱50
C. ₱100
D. ₱500
C. ₱100 ✅
What is the MOST important goal in interaction?
A. Finish fast
B. Avoid escalation
C. Provide full resolution
D. Follow script
C. Provide full resolution ✅