PURCHASE ORDER CASH LOAN (POCL)
- REQUIREMENTSFirst loan – times 1 of fixed dep. or max. of 10k net loan proceeds.
- PROCESSING(Instant loan) Release w/ in the day
- TERM2 Months (Maximum)
- INTEREST RATE0% (zero percent)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 5% service fee (Cash)
: No other charges
- REQUIREMENTSFirst loan – times 1 of fixed dep. or max. of 15k net loan proceed.
- PROCESSING(Instant loan) Release w/ in the day
- TERM12 Months (Maximum)
- INTEREST RATE2% (Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2% service fee
: 1-2% fixed dep.
: 1-2% UBF
: 2% Com. Pat. (CP)
: 1-2% CFG
: Annual Fee, MAF
: Insurances CLPP and CGLI.
PETTY CASH LOAN/ EMERGENCY LOAN (PCL/EML)
EASY LOAN (ESL)
- REQUIREMENTSTimes 1 of fixed (F) deposit plus building fun (UBF) Deposit = to loan amount above 50k needs cheque and released next day.
- PROCESSING(Instant loan)
-1 day process and release w/ in the day For 50k below, above 50k release next day.
- TERM1 – 12 Months
13 – 24Months
25 – 36 Months
- INTEREST RATE1- 12 Months — 1.0%
13 – 24 Months — 1.25%
25 – 36 Months — 1.50%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on: (Regular/Associate)
: 2% Service Fee
: 2% MAF
: 1.5% Com. Patronage (CP)
: 1-2% Fixed Deposit
: 1-2% Annual Dues
: 1-2% UBF
: 1-2% CGF
: Insurance
- REQUIREMENTSGuaranteed by:
– 90% of Savings/Deposit
– 90% of Time Deposit
– 90% of UBF & Fixed Deposit
- PROCESSING(Instant loan)
1 day process and Release w/in the day
- TERM1 – 12 Months
13 – 24Months
25 – 36 Months
- INTEREST RATE1- 12 Months — 1.0%
13 – 24 Months — 1.25%
25 – 36 Months — 1.50%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on: (Regular/Associate)
: 2% Service Fee
: 2% MAF
: 1.5% Com. Patronage (CP)
: 1-2% Fixed Deposit
: 1-2% Annual Dues
: 1-2% UBF
: 1-2% CGF
: Insurance
BACK TO BACK LOAN (BTBL)
PERSONAL LOAN (PL)
- REQUIREMENTSLoan more the the total of his/her deposits,
Applicants need:
Co-maker, PDC, Collateral, or ATM, Application, C.I. report passes the 5C
- PROCESSING1-2 weeks, need CI,
100K below = Manager
1M below = CRECOM
1M above = BOD
Interview: Saturday at 10:00 am for CRECOM and BOD (once a month only)
- TERM1 – 12 Months
13 – 24Months
25 – 36 Months
- INTEREST RATE1- 12 Months — 1.5%
13 – 24 Months — 1.8%
25 – 36 Months — 2.0%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONDeductions
: 2% Service Fee (max of 10K)
: 1% Fixed Deposit
: 1.5% Com. Patronage (CP)
: insurance (CLPP, AKSI)
Add-on:
: 1% UBF
: 1,000 / 500 CGF
- REQUIREMENTSRegular and Associate member with pension thru bank (ATM) card can avail 60% his/her total 1 year pension
- PROCESSING(Instant Loan)
1 day process Release with in the day
- TERM12 Months
(Maximum)
- INTEREST RATE2%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONDeductions:
: 2% Service Fee
: 1% Advance Interest added/month
: Notarial Fee
SPECIAL PENSION LOAN (SPL)
SPECIAL PROPERTY, FURNITURE, VEHICLE, MOTORCYCLE, OR APPLIANCE LOAN (SFAL)
- REQUIREMENTSSubmit application, Quotation price, picture of item and Deed of undertaking.
- PROCESSING1 day process below 50K
50K up needs CRECOM approval
- TERM1 – 12 Months
13 – 24Months
25 – 36 Months
- INTEREST RATE1- 12 Months — 1.8%
13 – 24 Months — 2.0%
25 – 36 Months — 2.0%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2.5% Service Fee
: Notarial
: Insurance
: Processing
Consumer Appliance:
: 1% Interest
- REQUIREMENTSRegular Member, Original Lot Title,
Fixed Deposit = 25k, C.I.,
CRECOM interview for 100K to 1Million,
BOD interview for 1Million and above.
- PROCESSING1-2 weeks or more needs C.I. & Property appraisal or
to issue Post Dated Check if collateral is lesser value
Once requirements Completed for BIR & Register of Deeds
- TERM1 – 12 Months
13 – 24Months
25 – 36 Months
37 – 60 Months
- INTEREST RATE1- 12 Months — 1.5%
13 – 24 Months — 1.6%
25 – 36 Months — 1.8%
37 – 60 Months — 2.0%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2% Service Fee (max of 10K)
: 1.5% Com. Patronage (CP)
: 1% Fixed Deposit
: 1% Preferred Share Cap.
: CGF = 500 or 1000
: Processing Fee
: CLPP
: Above 1M adjustment of CP, PSC
REAL ESTATE MORTGAGE LOAN (REM)
HEALTH CARE LOAN (HCL)
- REQUIREMENTSRegular Member, Hospital assessment 5C
- PROCESSING(Instant Loan)
Release with in the day.
- TERM12 Months
- INTEREST RATE12 Months — 1.5%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2.5% Service Fee
- REQUIREMENTSMember with consumers guaranteed fund, to pay 20 pesos per card.
- PROCESSING(Instant Loan)
Release with in the day.
- TERM2 Months (Maximum)
- INTEREST RATE0%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONDeductions:
: 2% Service Fee
: 2% CGF
: Max. availment is not more than Fixed Deposit
PURCHASE ORDER LINE (POL)
SPECIAL COMMODITY LOAN (SCL)
- REQUIREMENTSMember with sari-sari store/pang-kabuhayan, with signing of MOA in the office with the manager.
- PROCESSING(Instant Loan)
Release with in the day.
- TERM15 days (Maximum)
Daily Collection
- INTEREST RATE0%
- CHARGES/ADD-ON/DEDUCTIONDeductions:
: 2% Service Fee
: 2% CGF
: Max. availment is not more than Fixed Deposit
- REQUIREMENTS1. Regular Member
2. Associate Member
3. Hybrid & Traditional
- PROCESSING(Instant Loan)
Release with in the day.
- TERM12 to 60 Months
- INTEREST RATE0%
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2.5% Service Fee
: 1% Interest per month (Annual)
ANGELICA LIFE PLAN LOAN (ALPL)
SHOW MONEY LOAN (SML)
- REQUIREMENTSMember to work abroad needed for deposit certificate as Show Money.
- PROCESSING-1 day process only
-Released with in the day, once complies all the requirements.
-Then proceed to HR for certificate
- TERM12 Months
(Maximum)
- INTEREST RATE0%
(zero percent)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 3% Service Fee paid in cash during process
: No other charges
- REQUIREMENTS– Regular Member
– MIG’S
– Passes 5C’s
– No delinquent Account.
– School Assessment
- PROCESSING-1 day process
Released with in the day, once complies all the requirements needed.
20K High School Student
50K College Student
- TERM12 Months
(Maximum)
- INTEREST RATE1.8%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 3% Service Fee paid in cash during process
: No other charges
EDUCATION LOAN (ED)
KITCHEN LOAN (KL)
- REQUIREMENTS– Regular Member
– GAD seminar
– No delinquent Account
- PROCESSING1 day process
Released w/ in the day, Once complies all the requirements
Limit: 5,000.00
- TERM6 Months
- INTEREST RATE1.8%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONDeduction:
: 1% Service Fee of loan value
- REQUIREMENTSFirst loan – times 1 of fixed dep. or max. of 15k net loan proceed.
- PROCESSING(Instant loan) Release w/ in the day
- TERM12 Months (Maximum)
- INTEREST RATE2% (Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2% service fee
: 1-2% fixed dep.
: 1-2% UBF
: 2% Com. Pat. (CP)
: 1-2% CFG
: Annual Fee, MAF
: Insurances CLPP and CGLI.
PETTY CASH LOAN/ EMERGENCY LOAN (PCL/EML)
CALAMITY LOAN (CL)
- REQUIREMENTSFirst loan – times 1 of fixed dep. or max. of 15k net loan proceeds.
- PROCESSINGRelease w/ in the day
(Instant loan)
- TERM12 Months
- INTEREST RATE1%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2% Service Fee
: 2% Com. Patronage
: 1.2 Fixed Deposit
: 1-2% UBF
: 1-2% CGF
: Annual Fee, MAF
: Insurance ( CLPP and CGLI)
- REQUIREMENTS– Quotation price
– Managers approval
– Request letter
– GCMPC staff only
– Maximum of 120K
- PROCESSING– 1-2 weeks
– needs Manager & CRECOM
– Approval Interest depend on longevity of employee or staff
- TERM36 Months
- INTEREST RATE5% to 10% Per Annum
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2% service fee
: 1% Processing Fee.
: Insurances CLPP (1 year).
MOTOR PLAN (MP)
(FOR GCMPC STAFF ONLY)
SALARY LOAN (SL)
(FOR GCMPC STAFF ONLY)
- REQUIREMENTS– Pay slip (latest)
– Salary Evaluation
– 25% net salary
- PROCESSINGRelease w/ in the day
(Instant loan)
- TERM12 Months
- INTEREST RATE.67%
(Diminishing)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2% Service Fee
: 1.5% Com. Patronage
: 1% Fixed Deposit
: 1% UBF
: 100 CGF
: 120 Annual Dues
: 300 MAF
- REQUIREMENTS– Regular member
– Owned the Lot Title
– Passes 5C
– No delinquent Accounts
– Fixed of 1,500.00 during PMES.
- PROCESSINGReleased once complied all requirements
One-time payment after harvest
- TERM5 Months
- INTEREST RATE2% (Diminishing)
- CHARGES/ADD-ON/DEDUCTIONCharges:
: 2% service fee
: 10% Interest at the end of 5 months.
: One-time payment (Max. of 30,000.00)
AGRICULTURAL FARM INPUTS LOAN (AFIL)
CELLPHONE PLAN (CPP)
- REQUIREMENTS– Submit application
– Quotation Price
– Picture of item
– Deed of undertaking
- PROCESSING1 day process below 50K
50K up needs CRECOM approval
- TERM1 – 12 Months
13 – 14 Months
25 – 36 Months
- INTEREST RATE1.0%
1.5%
2.0%
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 2.5% Service Fee
: Insurance
: Processing Fee
: Notarial Fee
- REQUIREMENTS– Regular member
– Owned the Lot Title
– Passes 5C
– Complete Requirements
– MOA
– Deed of Real Estate.
- PROCESSING1-3 Weeks
Need BOD approval
Legal Team visit
Original Title
- TERM60 Months
- INTEREST RATE0% (One-time Payment)
- CHARGES/ADD-ON/DEDUCTIONAdd-on:
: 1% Fixed Deposit
: 1% UBF
: Processing Fee
: Notarial Fee
: AD
: MAF