RICE LOAN

Regular Members can avail a sack of rice payable in 1 month with zero interest. Designed for members who need a sack of rice on a monthly basis.

  • NUMBER OF SACKS: 1 Sack Rice
  • TERM: 1 Month
  • MODE OF PAYMENT: Lump-sum
  • "For first time qualified members, they should undergo loan orientation prior to availment."

GROCERY LOAN

Regular Members will be given a Grocery Certificate depending to their loan amount. They can use this certificate to purchase groceries at any partner store. Designed for members who needs grocery supply on a monthly basis.

  • LOAN AMOUNT: Maximum of P5,000.00
  • TERM: 1 Month
  • MODE OF PAYMENT: Lump-sum
  • "For first time qualified members, they should undergo loan orientation prior to availment."

PETTY CASH LOAN

Regular Members can avail a petty cash loan for a maximum amount of P5,000.00 pesos payable in one month with zero interest. Designed for members who needs cash and can pay in short term.

  • LOAN AMOUNT: Maximum of P5,000.00
  • TERM: 1 Month
  • MODE OF PAYMENT: Lump-sum
  • "For first time qualified members, they should undergo loan orientation prior to availment."

INSTANT LOAN

Regular Members can avail Instant Loan for a maximum of P30,000.00 pesos payable on three months. Designed for members who need larger amount but can pay in short term.

  • LOAN AMOUNT: Maximum of P30,000.00
  • TERM: 3 Months
  • MODE OF PAYMENT: Monthly/Lump-sum
  • "For first time qualified members, they should undergo loan orientation prior to availment."

EMERGENCY LOAN

Regular Members can avail emergency loan. Designed for members who need financial assistance during emergencies.

  • LOAN AMOUNT: Maximum of P10,000.00
  • TERM: 2 Months
  • MODE OF PAYMENT: Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment."
  • REQUIREMENTS:
  • Hospital Bill/OPD Doctor's Prescription
  • Electric Bill (if house is rented, Tenant's Certification)
  • Water Bill (if house is rented, Tenant's Certification)
  • Telephone Bill/Cellphone Bill
  • Cable Bill
  • Tuition Bill
  • One (1) witness

ATM SALARY LOAN

Extending Salary ATM loan program to members who are employed in private and / or government offices.

  • LOAN AMOUNT: 65% of net take home pay or Maximum of P500,000.00
  • TERM: 36 Months
  • MODE OF PAYMENT: Semi-Monthly/Monthly
  • "Qualified members should undergo loan orientation prior to availment."
  • REQUIREMENTS:
  • Three (3) months original pay slip. If photocopied, duly authenticated by the AO, HRMO or Accountant;
  • Share Capital must be least 10% of the amount applied;
  • Appointment;
  • ATM Card;
  • Bank Statement;
  • One (1) Co-maker (MIGS);
  • One (1) Witness;
  • REQUIREMENTS FOR RE-LOAN:
  • Latest Payslip duly authenticated by the AO, HRMO or Accountant;
  • One (1) Co-maker (MIGS);
  • One (1) witness;

PROVIDENTIAL LOAN

Extending Providential Loans to members. Designed for long tern loan availment.

  • LOAN AMOUNT: Maximum of 1 million
  • TERM: 36 Months
  • MODE OF PAYMENT: Weekly, Semi-Monthly, Monthly, Quarterly
  • "For first time qualified members, they should undergo loan orientation prior to availment."

REAL ESTATE LOAN

Extending Real Estate loan to members. Designed for members who need financial assistance for any property related expenses.

  • LOAN AMOUNT: Maximum of 1 million
  • TERM: 36 Months
  • MODE OF PAYMENT: Weekly, Semi-Monthly, Monthly, Quarterly
  • "For first time qualified members, they should undergo loan orientation prior to availment."
  • REQUIREMENTS:
  • Share Capital must be at least 10% of the amount applied for loan exposure of above 300K with acceptable Titled Lot as additional collateral including its Tax Clearance & receipt, vicinity map/sketch plan
  • Blue Print of the Building
  • Building Permit & Occupancy Permit
  • Minimum Savings Deposit of P5,000.00
  • One (1) Co-maker (MIGS)
  • One (1) witnesss
  • LIST OF ACCEPTABLE TITLES:
  • Transfer Certificate of Title (TCT)
  • Original Certificate of Title (OCT)
  • Condominium Certificate of Title (CCT)

AGRICULTURAL LOAN

Extending Agricultural Loan to members. Designed for members who need financial assistance for any related agricultural expenses.

  • LOAN AMOUNT: Maximum of 1 million
  • TERM: 36 Months
  • MODE OF PAYMENT: Quarterly, Semi-Annual
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
SALARY LOAN FOR GOVERNMENT AND PRIVATE EMPLOYEES

Extending salary loan program to members who are employed in private and / or government offices.

  • LOAN AMOUNT: 65% of net take home pay or Maximum of P500,000.00
  • TERM: 36 Months
  • MODE OF PAYMENT: Semi-Monthly, Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • Memorandum of Agreement (MOA)
  • Certificate of No Pending Case
  • Photocopy of Payroll (duly authenticated by the AO, HRMO or Accountant)
  • Pay Slip / Certification of Net Home Pay (certified by AO, HRMO or Accountant)
  • Share Capital must be at least 10% of the amount applied
  • REQUIREMENTS:
  • Appointment
  • Authority to Deduct
  • One (1) Co-maker (MIGS)
  • One (1) Witness
  • Net Take Home Pay at least P3,000.00

PENSION ATM LOAN

Extending Pensioner's ATM Loan program to members who are SSS, GSIS or PNP pensioner.

  • LOAN AMOUNT: 65% of the monthly Pension or Maximum of P200,000.00
  • TERM: 24 months for member 60 years old & below | 12 months for member above 60 years old
  • MODE OF PAYMENT: Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS FOR FIRST TIME BORROWER:
  • Pensioner's voucher as proof of pension
  • Share Capital must be at least 10% of the amount applied
  • ATM Card
  • Bank Statement
  • One (1) Co-maker (MIGS)
  • One (1) Witness
  • REQUIREMENTS FOR RE-LOAN:
  • Latest ATM withdrawal receipt
  • One (1) Co-maker (MIGS)
  • One (1) Witness

COMMERCIAL LOAN (short term)

Extending Commercial Loan to members who have existing business on a short term basis.

  • LOAN AMOUNT: Maximum of P200,000.00
  • TERM: 3 Months
  • MODE OF PAYMENT: Daily, Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS FOR FIRST TIME BORROWER:
  • Share Capital must be at least 10% of the amount applied
  • Minimum Savings deposit of at least P1,000.00
  • Business Permit
  • One (1) Witness

ALLOTMENT LOAN

Extending allotment loan program to members who are Overseas Filipino Worker (OFW) or beneficiary of the OFW.

  • LOAN AMOUNT: 65% of the monthly allotment for Maximum of P400,000.00
  • TERM: Depends on the duration of the contract
  • MODE OF PAYMENT: Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • Employment Contract
  • Share Capital must be at least 10% of the amount applied
  • Minimum Savings deposit of P1,000.00
  • ATM Card
  • Bank Statement
  • One (1) Co-maker (MIGS)
  • One (1) Witness
  • REQUIREMENTS FOR RE-LOAN:
  • Employment Contract
  • One (1) Co-maker (MIGS)
  • One (1) Witness

BARANGAY HONORARIUM LOAN PROGRAM

Extending honorarium loan program to members who are elected or appointed barangay officials.

  • LOAN AMOUNT: 65% of the honorarium or Maximum of P100,000.00
  • TERM: Depends in the remaining term of office and due date must not to exceed 3 months prior to term expiry.
  • MODE OF PAYMENT: Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • Memorandum of Agreement (MOA)
  • Authority to Deduct
  • Certificate of No Pending Case
  • Photocopies of Payroll (duly authenticated by the AO, HRMO, Accountant)
  • Pay Slip / Certification of Net Take Home Pay (certified by AO, HRMO or Accountant)
  • Photocopy of appointment / Oath of Office
  • Share Capital must be at least 10% of the amount applied
  • Minimum Saving Deposit of P 1,000.00
  • One (1) Co-maker (MIGS)
  • One (1) Witness

COMMERCIAL LOAN (LONG TERM)

Extending commercial loan to members who have existing business on a long term basis.

  • LOAN AMOUNT: Maximum of P5 Million
  • TERM: 36 months
  • MODE OF PAYMENT: Monthly, Weekly, Semi-Monthly, Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • Share Capital must be at least 25% of the amount applied for loan above P3 Million
  • Share Capital must be at least 15% of the amount applied for loan P 1 Million - 3Million
  • Share Capital must be at least 10% of the amount applied for loan below P1 Million
  • Minimum Savings Deposit of P1,0000.00
  • Acceptable Titled Lot as additional collateral including its Tax Clearance & receipt, vicinity map/sketch plan.
  • Special Power of Attorney (SPA) if the applicant is not the owner of the lot
  • Affidavit of Non-tenancy
  • One (1) Co-Maker (MIGS)
  • One (1) Witness
  • LIST OF ACCEPTABLE TITLES:
  • Transfer Certificate of Title (TCT)
  • Original Certificate of Title (OCT)
  • Condominium Certificate of the Title (CCT)

MID-YEAR & YEAR-END BONUS

Extending mid-year and year-end bonus to members who are employed in private and/or government offices.

  • LOAN AMOUNT: Maximum of 75% of the Basic Salary
  • TERM: Maximum of 7 months
  • MODE OF PAYMENT: Lump-sum
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • MIGS
  • Photocopies of Payroll (duly authenticated by the AO, HRMO or Accountant)
  • Pay Slip / Certification of Net Take Home Pay (certified by AO, HRMO or Accountant)
  • Or Original Certification of Net Take Home Pay
  • One (1) witness

13th MONTH PAY LOAN

Extending 13th month bonus to members who are private employees.

  • LOAN AMOUNT: Maximum of 75% of the Basic Salary
  • TERM: Maximum of 12 months
  • MODE OF PAYMENT: Lump-sum
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • MIGS
  • Photocopies of Payroll (duly authenticated by the AO, HRMO or Accountant)
  • Pay Slip / Certification of Net Take Home Pay (certified by AO, HRMO or Accountant)
  • Or Original Certification of Net Take Home Pay
  • One (1) witness

LGU-SALARY LOAN PROGRAM

Extending salary loan program to members who are employees of Local government Unit.

  • LOAN AMOUNT: 65% of et take home pay or Maximum of P500,000.00
  • TERM: 36 months
  • MODE OF PAYMENT: Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • Memoramdum of Agreement (MOA)
  • Certificate No Pending Case
  • Photocopies of Payroll (duly authenticated by the AO, HRMO or Accountant)
  • Pay Slip / Certification of Net Take Home Pay (certified by AO, HRMO or Accountant)
  • Share Capital must be at least 10% of the amount applied.
  • Appointment
  • Authority to Deduct
  • One (1) Co-maker (MIGS)
  • One (1) Witness
  • Net Take Home Pay at least P3,000.00

SALARY LOAN PROGRAM FOR SECURITY GUARD

Extending salary loan program to members who are employees of Local government Unit.salary loan program to members who are security guards.

  • LOAN AMOUNT: 65% of et take home pay or Maximum of P70,000.00
  • TERM: 12 months
  • MODE OF PAYMENT: Monthly
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • Duly Detailed Order (DDO)
  • Photocopies of Payroll (duly authenticated by the AO, HRMO or Accountant)
  • Pay Slip / Certification of Net Take Home Pay (certified by AO, HRMO or Accountant)
  • Share Capital must be at least 10% of the amount applied.
  • ATM Card
  • Latest Bank Statement
  • One (1) Co-maker (MIGS)
  • One (1) Witness
  • Net Take Home Pay at least P3,000.00
  • Fiscal's Clearance

LOAN AGAINST SHARE CAPITAL

Authorizing management to grant loan against share capital to members whoa has no other existing loan and has been a member for more than three (3) years.

  • LOAN AMOUNT: 80% of the SHARE CAPITAL
  • TERM: Maximum of 12 months
  • MODE OF PAYMENT: Monthly if more than 3 moths; Monthly / Lump-sum if 3 mos.term
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • MIGS
  • One (1) Witness

BACK TO BACK LOAN

Authorizing management to grant back to back loans to regular members fully secured by their time deposits.

  • LOAN AMOUNT: TD Principal
  • TERM: 36 months
  • MODE OF PAYMENT: Monthly / Lump-sum
  • "For first time qualified members, they should undergo loan orientation prior to availment but for renewal with higher amount, they should undergo another loan orientation."
  • REQUIREMENTS:
  • TD Certificate
  • One (1) Witness