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