Is a loan window specifically for the acquisition of brand new household appliances including computers.
Maximum loanable amount is PHP50,000.00, or an amount that depends on the net take home pay of the applicant which should not fall below PHP3,000.00 after PHCCI loan deduction.
Maximum term is two (2) years.
With an interest rate of 1% per month.
Is a loan window specifically for entrepreneurs or businessmen/women who are in need of additional working capital for their business.
Maximum loanable amount is PHP200,000.00.
Is a loan window where the required share capital is only fifteen percent (15.0%) of applied loan amount upon application.
Must have a business registered and operating profitably for at least two (2) years.
Is a loan window specifically for the payment of tuition fees.
Is a loan window where the loan amount is more than four times the share capital upon application.
Maximum loanable amount is PHP100,000.00.
Maximum term is ten (10) months.
Is a loan window where the amount is equal to or less than the share capital upon application.
Is a loan window where collateral is not required.
Is a loan window where proceeds may be released within the same business day.
A type of loan intended for the purchase of a four-wheel vehicle; or purchase or construction of a house.
Note: The details can be discussed with a loan processor during application.
Is a loan window with zero-interest.
Is a loan window where the applicant is a full-fledged regular member of PHCCI for at least six (6) months. Must have availed of any loan products of the cooperative with a loan rating of at least A-.
Is a loan window with maximum amount of three thousand two hundred fifty pesos (PHP 3,250.00) , payable in two (2) months.
Is a loan window where collateral is not required.
Is a loan window where proceeds may be released within the same business day.
Is a loan window where the applicant is a member in good standing (MIGS).
Is a loan window with maximum of ten thousand pesos (PHP10,000.00) on top of any other existing loan, provided that the existing loan is thirty percent (30%) paid.
Is a loan window where collateral is not required.
Is a loan window where proceeds may be released within the same business day.
Is a loan window specifically for the acquisition of brand new motorcycle.
Maximum loanable amount is PHP100,000.00.
Maximum term is three (3) years.
With an interest rate of 1% per month.
Is a loan window where the loan amount is not more than two times the share capital, but not less than the share capital upon application.
Is a loan window where collateral/s will be required to cover the exposure (beyond PHP10,000.00) carried by the cooperative.
Is a loan window where proceeds may be released within the same business day if the amount applied for does not exceed fifty thousand pesos (PHP50,000.00), otherwise, the proceeds will be released either on Wednesday or Saturday after interview and approval by the Credit Committee.
A type of loan granted only to active regular employees between 18 to 62 years old.
Maximum loanable amount may vary depending on the available net take home pay of the applicant less any mandatory deductions by the employer and the Cooperative.
Maximum term is three (3) years.
On top of Salary Loan, the following variants are still available to salary loan borrowers whose net take home pay can still cover for the additional amortization.
Is a loan window where the applicant is a member in good standing (MIGS).
Is a loan window where the loan amount is more than two times, but not more than four times the share capital upon application.
Is a loan window where collateral/s will be required to cover the exposure (beyond PHP10,000.00) carried by the cooperative.
Is a loan window where proceeds may be released within the same business day if the amount applied for does not exceed fifty thousand pesos (PHP50,000.00), otherwise, the proceeds will be released either on Wednesday or Saturday after interview and approval by the Credit Committee.
PHCCI Offers the lowest interest loans in negros!