I have monthly payment for my loan na naka autodebit sa payroll ko na 16,346 and wala naman ako late or missed payment. However something comes up regarding sa Housing Loan namin and we would need the money for it.

Out of the 16k monthly payment ko for this month, 12k muna ibabayad ko and the remaining 4k is sa 15th the following month sana.

Concern ko lang is hindi naman ako madedefault agad nito?

and based dun sa contract there will be "3% penalty per month on total outstanding amount due" , so does this mean ung 3% would apply sa kulang kong 4k or dun sa total remaining/principal balance ko na 137k?

Salamat sa sasagot at may experience na ganito