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How will I know if I am qualified to avail a loan?
(answer to this question-to follow)
What kind of loan to avail?
(answer to this question- to follow)
How to renew?
Renewal/Reloan Requirement:
A.) Business loan / Doctor & Dentist loan
1.) Photocopy of most recent 3 mos bank statement – relating to the CA issued to PNT
B.) Salary loan / Doctor & Dentist (employee/affiliate)
1.) Photocopy of most recent 3 mos bank statement – relating to the CA issued to PNT.
• 1 month pay slip will only be required if the borrower has at least a 15% increase in salary to qualify for a higher amount. Also, if the borrower transferred to a new company.
• The previous LAM shall be the basis of monthly income.
Notes:
1. The application form is a basic condition/requirement that has to be filled out completely to carry out the proceedings. In order to lighten up thoroughness of the application form, AO has the option to put a check mark only on the specific details given below. Other information shall be filled up by the AO during the interview.
• Names (borrower, maiden name, spouse name, business name, supplier/customer name)
• Contact numbers (landlines and mobile phones)
• Loan amount requested and terms
• Banking and credit relation
• Email address
• Signature
2. The use of a digital camera shall suffice for the 2x2 picture requirement. This will be a standard operational procedure (SOP) and it shall be done prior loan releasing. The AA shall be in charge of storing/safekeeping of the file photos.
3. Business loan Proof of Billing: The addresses given from the submitted requirements are enough proof of residency. If all documents submitted are under the business address, only then that a proof of billing must be submitted.
4. Directional sketch will be limited only to the business address. It shall be done by the AO upon his/her visit.
5. Barangay clearance will only be required for borrowers with no other proof of residency. AO is advised to exercise prudence to borrowers having no proof of residency.
6. ATM Payroll card is required upfront by the AO during his/her office visit.
7. Revision of brochure/leaflet (advertising material) shall take effect.
How much is the minimum/maximum loanable amount?
Business Loan
Php 20,000.00 – 200,000.00
Salary Loan
Php 20,000.00 – 120,000.00
Doctor / Dentist Loan
Php 20,000.00 – 200,000.00
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