A loan for the acquisition of brand new household appliances including personal computer and laptop.
Maximum loanable amount is PHP50,000.00.
Maximum term is two (2) years.
With an interest rate of 1% per month.
A type of loan for the purchase of brand new or second hand vehicle.
The applicant must have capacity to pay based on CIBI and must not be more than 69 years old upon maturity of the loan.
The maximum loan amount is P3 million.
Interest rate is 8.25% per annum (Straight Line); 15.6% per annum (Diminishing)
A loan window for entrepreneurs or businessmen/women who are in need of additional working capital for their business.
The maximum loanable amount is PHP200,000.00.
The required share capital is fifteen percent (15.0%) of applied loan amount upon application.
Must have a business registered and operating profitably for at least two (2) years.
A loan window for members residing in an area declared as under the state of calamity or directly affected by fortuitous event or natural calamity.
The member must have a rating of A or A-.
The maximum loan amount is fifteen thousand pesos (P15,000.00).
A loan window for members residing in an area declared as under the state of calamity or directly affected by fortuitous event or natural calamity.
The member must have a rating of A or A-.
The maximum loan amount is fifteen thousand pesos (P15,000.00).
A type of loan that requires share capital of at least five percent (5%) of the amount of loan applied.
Real estate property/ties is/are required as collateral/s.
A loan members can apply for the payment of tuition fees.
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.
A loan window where the amount is equal to or less than the share capital upon application.
A collateral is not required.
A type of loan for members who want avail of Family hospitalization insurance with coverage of Php 20,000.00 per year.
The member must not be more than 69 years old upon application. He/She can nominate at least 4 beneficiaries
Maximum loan amount is two thousand two hunded fifty pesos (P2,250).
A loan window that is zero-interest.
The applicant imust have been a regular member of PHCCI for at least six (6) months upon applicantion.
The applicant must have availed of any loan products of the cooperative with a loan rating of at least A-.
The maximum loan amount is four thousand two hundred sixty pesos (PHP 4,260.00), payable in two (2) months.
A collateral is not required.
A type of loan for members who wish to acquire a housing unit and/or lot through a housing project developed by PHCCI.
The maximum loan amount is P2.5 million.
A loan window with a maximum loan amount of ten thousand pesos (PHP10,000.00) on top of any other existing loan.
It is renewable anytime provided that any unpaid amortization due within the 30-day grace period shall be deducted from the proceeds.
The applicant must be a member in good standing (MIGS).
A credit service specifically to members who are motorcab/multicab for hire operators.
The maximum loan amount is fifty thousand pesos (P50,000.00).
A loan window 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.
The member-applicant must be an allottee of an OFW.
The maximum loan amount is fifty thousand pesos (P50,000.00).
The OFW does not have to be a member of PHCCI.
A loan window for pensioners of government pension funds (SSS/GSIS, PVAO, AFP, etc.).
The maximum loan amount is one hundred thousand pesos (P100,000.00).
A loan window where the loan amount is more than the share capital, but not to exceed two hundred (200%) percent.
Collateral/s will be required to cover the exposure (beyond PHP10,000.00) carried by the cooperative.
A type of loan granted only to active regular employees.
The 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.
The maximum term varies depending on the company/institution/organization the member is employed..
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.
A loan window where the loan amount is more than 200% of the share capital but not to exceed 400% upon application.
The applicant must be a member in good standing (MIGS).
Collateral/s will be required to cover the exposure (beyond PHP10,000.00) carried by the cooperative.
A type of loan intended for the purchase of a 2nd-hand four-wheel vehicle or for the purchase or construction of a house.
Note: The details of the loan can be discussed with a loan processor during application.