LOANS



For Regular Members
  
  • Loanable Amount: 100% of paid in share
  • Interest Rate/Month: 1% Diminishing
  • Maximum Terms: 5 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount: 100% of paid in share up to 400%
  • Interest Rate/Month: 2% Diminishing
  • Maximum Terms: 5 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount: 100% of paid in share plus savings deposit
  • Interest Rate/Month: 1.50% Diminishing
  • Maximum Terms: 3 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount:
    • Capacity to Pay
    • 60% of Bonus and dividend
    • P2,000 spot cash
    • Against Retirement Pay up to 3x of basic Pay
  • Interest Rate/Month: 3% Diminishing
  • Maximum Terms: 3 months
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount:
    • P25,000 – Partial Damage
    • P50,000 – Total Damage
  • Interest Rate/Month: .05% Diminishing
  • Maximum Terms: 2-3 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount: P100,000.00
  • Interest Rate/Month: 1.25% Diminishing
  • Maximum Terms: 1 year
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  • Requirement: Submit SOA from the school
  
   
  • Loanable Amount: Up to P2Million
  • Interest Rate/Month:
    • 8yrs. – 2% Diminishing
    • 7yrs. – 1.5% Diminishing
    • 6yrs. – 1.25% Diminishing
    • 5yrs. – 1% Diminishing
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  • Requirement: Land title for collateral.
  
   
  • Loanable Amount: Up to P200,000.00
  • Interest Rate/Month: 2% Diminishing
  • Maximum Terms: 4 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  • Requirement: Purchased ticket
  
   
  • Loanable Amount: P50,000.00
  • Interest Rate/Month: 2% Diminishing
  • Maximum Terms: 2 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  • Requirement: Purchased ticket
  
   
  • Loanable Amount: Up to P250,000.00
  • Interest Rate/Month:
    • 12mos – 1% Diminishing
    • 13-24mos – 1.5% Diminishing
    • 25-48mos – 2% Diminishing
  • Maximum Terms: Up to 4 Years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  • Requirement: SOA from other financing institution
  
   
  • Loanable Amount: Up to P1.5M subject to encumbrance, vehicle Insurance, and PDC (Post-Dated Checks)
  • Interest Rate/Month: 1.20% Diminishing
  • Maximum Terms: 5 Years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  • Requirement: Quotation, Post-Dated check (PDC) and a 10% down payment is required. The remaining balance after the down payment will be the member's loanable amount.
  
   
  • Interest Rate: 12% p.a. diminishing
  • Service Fee: 2%
  • Loanable Amount: Minimum PHP 10,000; maximum PHP 500,000 and up (subject to BOD approval)
  • Maximum Terms: 6 months to 5 years (depends on loan purpose)
  • Mode of Payment: Post-Dated Cheques (PDC)
  • Repayment: Quarterly
  • Loan Insurance: P0.50/1,000 up to 65 years old; P3.0/1,000 for ages 66–70 (medical certificate subject to clinic confirmation)
  • Mortgage Fee: 2.5% of approved amount (land title mortgage processing)
  • Re-availment: Once 50% of the term has been repaid
  • Collateral: Above PHP 200,000—land title, farm equipment, or acceptable assets; smaller loans—co-maker/guarantor may be required; crop/livestock insurance encouraged


For Associate Members
  
   
  • Loanable Amount: P20,000.00
  • Interest Rate/Month: 2% Diminishing
  • Maximum Terms: 2 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount: 90% of Paid in Share
  • Interest Rate/Month: 1% Diminishing
  • Maximum Terms: 5 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance


For Both Regular & Associate Members
  
   
  • Loanable Amount: Based on the premium offered by HMO
  • Interest Rate/Month: 0.67% Diminishing
  • Maximum Terms: 1 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount:
    • Regular Member: Up to 400% of Locked-In Deposit
    • Associate Member: Up to 200% of Locked-In Deposit
  • Interest Rate/Month: 1% Diminishing
  • Maximum Terms: 3 years
  • Service fee: 2% based on the principal amount
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount:
    • Regular Member: P30,000.00
    • Associate Member: P10,000.00
  • Interest Rate/Month: 2% Diminishing
  • Maximum Terms: 1 years
  • Service fee: No service fee
  • Insurance: P0.50/1k based on the principal balance
  
   
  • Loanable Amount: Up to 90% of the time deposit value
  • Interest Rate: 12% p.a. diminishing
  • Maximum Terms: Actual time deposit term or 5 years, whichever is lower
  • Encumbrance: Time deposit stays encumbered until full repayment
  • Service Charge: 1% deducted from the loan amount
  • Loan Insurance: None
  • Late payment: Penalties per cooperative lending policy
  
   
  • Loanable Amount: Up to P200,000, or up to 50% of net pension monthly (whichever supports comfortable repayment)
  • Interest Rate/Month: 2% Diminishing
  • Maximum Terms: 36 months
  • Service Charge: 2.5%
  • Loan Insurance: P0.50/1,000 up to 65 years old; P3.0/1,000 for ages 66–70 (medical certificate subject to clinic confirmation)
  • Co-maker: Not required unless the credit committee requires one