
Agricultural Loan
Finance the agriculture and aquaculture value chain - inputs, labor costs, post-harvest processes
Maximum Loan Amount
Min – PHP 4,000.00
Max – Rice/Corn Production:
PHP 150,000 for 5 hectares of farm.
Poultry: Broilers - up to 2,000 heads PHP 500,000 for Layers/Breeders - up to 1,000 heads
Hog Raising: PHP 240,000 up to 20 heads
Maximum Term
Aligned with production cycle
Manner of Payment
Lumpsum

Agricultural Loan - Fixed Assets
Finance the acquisition or improvement of agricultural land and machineries
Maximum Loan Amount
Min – PHP 300,000.00
Max – PHP 10,000,000.00
Maximum Term
Maximum of 7 years for REM, 5 years for Chattel
Manner of Payment
Monthly, Quarterly or Semi-Annual with PDC

Start-up Negosyo Loan
Provide businesses start up to finance inventory and other business operational expenses.
Maximum Loan Amount
Min – PHP 4,000.00
Max – Maximum loanable entitlement computed on 50% of NDI (Net Disposable Income), but not to exceed 1,000,000.00
Maximum Term
Maximum of 36 months.
Manner of Payment
Monthly

Business Loan - Working Capital (Enterprise Loan)
Provide additional capital requirements for small and medium enterprises, including working capital augmentation, bridge financing, and inventory acquisition
Maximum Loan Amount
Min – PHP 10,000.00
Max – PHP 5,000,000.00
Maximum Term
Maximum of 36 months.
Manner of Payment
Monthly Post Date Check for 200k and above

Business Asset Acquisition Loan
Purchase of land, building, machinery, equipment and brand new vehicle for agricultural and productive purposes
Maximum Loan Amount
Min – PHP 100,000.00
Max – PHP 10,000,000.00
Maximum Term
60 months
Manner of Payment
Monthly

Emergency Loan
For medical, educational & other emergency needs (accidents, hospitalization, death, calamity)
Maximum Loan Amount
Min – PHP 4,000.00
Max – PHP 10,000.00
Maximum Term
6 months
Manner of Payment
Monthly

Back-to-Back Loan
Multi-purpose loan secured by time deposit
Maximum Loan Amount
80% of face amount of Time Deposit
Maximum Term
36 months with auto-rollover if not co-terminous with TD maturity
Manner of Payment
Montly / Lumpsum

Petty Cash Loan
Personal and immediate financial needs; Bridge financial needs in form of a cash advance
Maximum Loan Amount
Min – PHP 1,000.00
Max – PHP 5,000.00
Maximum Term
2 months
Manner of Payment
Semi-monthly

Housing Loan
House construction, home improvements or residential house and lot purchase
Maximum Loan Amount
Min – Based on member's cashflow but not to exceed 60% of the appraised value
Max – PHP 10,000,000.00 or up to 60% of appraised value whichever is lower
Maximum Term
120 months
Manner of Payment
Monthly Post Dated Check

Memorial Lot
Purchase of memorial lot at Manila Memorial Park and Sta. Rita De Casia Memorial Park
Maximum Loan Amount
Based on price of lot
Maximum Term
Maximum of 5 years
Manner of Payment
Monthly

Personal Loan
For personal consumption such as but not limited to household expenses, minor house repairs, appliance, gadgets, bills payment, personal travel, among others.
Maximum Loan Amount
Min – PHP 4,000.00
Max – PHP 300,000.00
Maximum Term
36 months
Manner of Payment
Aligned to cashflow, preferably monthly

Vehicle Loan
Purchase of brandnew motorcycle and car for personal use.
Maximum Loan Amount
Min – PHP 50,000.00
Max – 3M for cars, 300k for motorcyles; up to 80% of total price but not to exceed loan ceiling policy
Maximum Term
60 months for 4-wheel cars
36 months for 2-wheels
Manner of Payment
Monthly

Educational Loan
Payment of tuition fees and other educational expenses, including continuing education, board exam review programs for members or/their beneficiaries.
Maximum Loan Amount
Min – PHP 10,000.00
Max – PHP 300,000 based on actual school assessment per sem per student
Maximum Term
based on school calendar to a maximum of 12 months
Manner of Payment
Monthly