********please read carefully before asking questions . . . . . . . . ********selfemployed (single proprietorship and corporation requirements) see below *BANK'S MINIMUM SALARIED & QUALIFICATION'S (UPDATED DECEMBER 2011) <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< EMPLOYED We will no longer accept solicitations from VIZMIN area (Cebu, CDO, Davao ) as these areas will only be exclusive to VIZMIN based agencies. CCB - [ AGE REQUIREMENT - 23yo to 60yo ] [ EMPLOYED TO TOP 7,000 CORPORATION ] CHINATRUST BANK Salary Stretch Loan . . . MINIMUM MONTHLY INCOME = PHP 15,000 and ABOVE - 1yr. in present company LOANABLE AMOUNT = PHP 30,000 - PHP 1,000,000 (LOAN TERMS - 12mos. to 36mos.) Loan Qualification: • 23 to 60 years old upon loan maturity • Minimum gross monthly pay of P15,000 (for Metro Manila-based applicants) or P12,000 (for non-Metro Manila-based applicants) • Have at least one (1) year work experience with current employer or should have been employed for the last three (3) years (depending on the industry) • With home or office landline • With good credit standing Pls. be guided on the ff requirements to affix signature: •The full name and original signature of the client should be on the original documents at the lower portion of the document before photocopying except for IDs. •Selected documents will be required for presentation and comparison upon loan availment. •For documents with original signatures already, no need to sign again. 1. ITR / W2 – with signature on the original already 2. ID/s – BAU process (3 specimen signatures on the photocopy) 3. Pay slip/s – depending on the company, some would already have the signature of the client on the original already 4. COE – sign on the original copy Basic Requirements: • Completely-filled up application form • Photocopy of Co.ID and Gov't ID's (with photo, signature and unexpired) • Photocopy of latest ITR (BIR Form 2316) • Latest one (1) month payslip - (3 consecutive month payslips if you wish to get higher loan amount) • Latest C.O.E. Certificate of Employment • Latest P.O.B. Proof of Billing (Meralco Bill) addressed in residence Note: Other documents may be required to process the loan [CALL CENTER EMPLOYEES] . . . SUPERVISORY & ABOVE CONSIDERABLE - 26yo and above MINIMUM MONTHLY INCOME = PHP 25,000 and ABOVE - 3yrs in present CALL CENTER / BPO LOANABLE AMOUNT = PHP 30,000 - PHP 1,000,000 (LOAN TERMS - max.24mos.) CHINATRUST [DOCTORS LOAN PROGRAM] <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< (Professional Doctors) Conditions for Deviation Approval Eligibility Criteria Mechanics Citizenship Filipino Age 25 not to exceed 60 upon loan maturity Employment Tenure 3 years practicing Residence or Employment WIPSA Telephone Requirement Must at least have an office phone. Landline phone or mobile may be provided Company With Clinic Gross Salary NPM *Document Requirements - Filled-up application form - BIR form require upfront (1700,1701) *For Existing Credit Cardholders: - 1 mo. Credit Card Statement of Account - 3 mos. Personal Bank Statement of Account *For Non Cardholders - 6 mos. Personal Bank Statement of Account Note: If Joint account Statement of Account = 50% - Copy of Face of Credit Card - Copy of Unexpired PRC ID - Clearance for cancelled card if any Loan Amount Based on IIR Up to 1M Credit Card Account Optional Repayment PDC Term max 36 months max 20& IIR without adverse findings <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< EMPLOYED SBA - [ AGE REQUIREMENT - 21yo to 60yo ] [ EMPLOYED TO TOP 7,000 CORPORATION ] STERLING BANK OF ASIA Persona Loan. . . (REGULAR PROGRAM) MINIMUM MONTHLY INCOME = PHP 20,000 and ABOVE - 2years in regular status LOANABLE AMOUNT = PHP 50,000 - PHP 1,000,000 (LOAN TERMS - 12mos. to 36mos.) (W/BUSINESS AND PROFESSIONALS) BUSINESS = 3yrs operational MINIMUM MONTHLY INCOME = PHP 50,000 and ABOVE LOANABLE AMOUNT = PHP 50,000 - PHP 300,000 (LOAN TERMS - 6mos. to 24mos.) (WOMEN PERSONAL LOAN) •If renting, residence tenure should be at least two (2) years •If renting, employment tenure should also be at least two (2) years *Employees from Call Center and BPO companies 1. Call Center AGENTS in both call center & BPO companies are NOT QUALIFIED to avail both “Persona” Personal Loans and Women’s Loan. 2. Other positions, i.e. non-supervisory, supervisory, team leaders, managerial and up from the support department, e.g. administrative, human resources, accounting/finance, among others are QUALIFIED to avail both. *Residence Type & Tenure for Qualified applicants: 1. Owned – Standard requirement will be applied. 2. Rented – Must be with at least 2 years residency in his/her current address *Employment status and tenure: 1. Must be regular/permanent. 2. Must be employed at least two (2) years in his/her current employer. <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< EMPLOYED PB - [ AGE REQUIREMENT - 23yo to 60yo ] [ EMPLOYED TO TOP 12,000 CORPORATION ] PREMIERE BANK Easy Salary Loan. . . (SINGLES) MINIMUM MONTHLY INCOME = MIN. PHP 30,000 and ABOVE - 1yr. in present company CONSIDERABLE BUT NOT 100% APPROVABLE >>> (SINGLES) MINIMUM MONTHLY INCOME = MIN.PHP 30,000 and ABOVE - 2yr. in present company (WORKING MARRIED COUPLE W/O CHILDREN) = MIN.PHP 30,000 and ABOVE - 1yr. in present company (CALL CENTER EMPLOYEES) MANAGERS AND ABOVE = MIN.PHP 50,000 and ABOVE - 3yrs. in present company 30,000 basic monthly salary NON_TOP w/ credit cards top_corp w/o credit cards Coverge up to Bulacan and Batangas *Rented residence requirement for singles is at least 3 years plus permanent residence located within PDB service area ( Accepted permanent address - 50 kilometer radius from the nearest *Renting Residence: Maried couple with no children At least two years residence tenure. Premiere Bank Branches or Service Area) *Minimum employment tenure for Singles : [salaries Below P50K- At least 2yrs.] [P50K salaries above- At least 1 year] *Minimum accepted Basic Monthly Income/Salary = PHP 30,000 Salary and Loan Bracket *P15,000 up to P20,999 monthly salary - max loan amount of P30k or 20% DBR or which ever is lower *P20,000 up to P29,999 salary - maximum loanable amount of P30,000 *P21,000 up to P30,999 monthly salary - max-loan-amt of (X-3) of monthly salary or 30% DBR or whichever is lower *P30,000 up to P49,999 salary - max-loan-amt of (X-3) of monthly salary or 30% DBR whichever is lower *P31,000 monthly salary and above - max-loan-amt of (X-4) of monthly salary or 30% DBR or whichever is lower *P50,000 salary and above - max-loan-amt of (X-4) of monthly salary or 30% DBR whichever is lower *PDCs / C/A opened/maintained with Rural Banks; and Citystate accounts with less than 3 months will no longer be accepted. <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< EMPLOYED PDB - [ AGE REQUIREMENT - 23yo to 65yo ] [ EMPLOYED TO TOP 12,000 CORPORATION ] PLANTERS BANK Handy Credit Loan. . . Application Requirements: • Fixed-salaried individual working in the Philippines’ Top 12,000 Corporation • At least 23 years old but not more than 65 years old • A permanent employee with a length of service in current employer of at least 1 year (if less than 1 year, then total continuous work experience should be at least 2 years) • Has a gross monthly income of P30,000 for Metro Manila and P20,000 for Provincial Areas Documentary Requirements: • Fully accomplished and signed loan application form • Original latest 1-month payslip • Photocopy of latest Income Tax Return (ITR) – Form 2316 • Photocopy of any 2 valid government issued IDs and 3 specimen signatures • Latest proof of billing (with residence address) • Additional documentary requirements may be requested upon application - For NON-TOP Corp. / Self-Employed (SEMP) the following criteria must be met: *Applicant must have at least 1 active credit card in good credit standing for at least a year. *Repayment rate of at least 15% for an active card – applicant must submit 3 months latest consecutive billings. -Self-employed applicants must also submit the following documentary requirements: *Audited Financial Statements and/or (3 years) *Bank Statements (6 months) *Credit card billing statements ( latest 3 months) -Client should have BOTH office and residence landlines. <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< EMPLOYED UCPB - [ AGE REQUIREMENT - 23yo to 60yo ] [ EMPLOYED TO TOP 10,000 CORPORATION ] UCPB YES Loan . . . - Your Easy Salary (YES) LOAN An unsecured loan facility made available to individuals with an existing current account and a major credit cardholder. QUALIFICATIONS: • 23 years old and not more than 55 years old upon maturity • Filipino citizen • Must be a current account holder for at least 6 months • Must be a major credit card holder • For employed, permanent employee for at least 2 years and at least supervisory in rank • Minimum gross monthly income of P30,000 For self employed, in business operational for at least 3 years and at least profitable for the last 2 years FEATURES: • Loan amounts of P50,000 up to P 500,000 (self-employed 300k) • Loan terms of twelve (12) to thirty-six (36) months • Flexible repayment terms through post-dated checks (PDCs) • 1.5% interest across all term ( Lowest in the market today ) REQUIREMENTS: • 3 mos. Latest bank statement of checking account for employed (checking account) 6 mos. Latest bank statement of checking account for self-employed (checking account) (to be used for repayment) • Copy of Latest Home Utility bill (Meralco, Water, Cable, etc.) • Copy of Latest BIR/ITR-2316 • Copy of Latest (1) whole month payslip • Copy of Latest Certificate of Employment (optional) • Photocopy of two (2) gov’t issued IDs and company ID fron and back (for employed w/3 specimen signatures) • For Self-Employed: -3 years latest audited financial statements and ITR -business registration documents and permits • 2 mos. Latest Credit Card billing statement (self-employed) NO HISTORY OF BOUNCING CHEQUE, AUTOMATIC APPROVE 3 TIMES OF YOUR NET PAY <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< EMPLOYED RCBC - [ AGE REQUIREMENT - 23yo to 60yo ] [ EMPLOYED TO TOP 10,000 CORPORATION ] RCBC BANK . . . QUALIFICATIONS: 1. At Least 26 yrs old ; up to 60 yrs old 2. Permanently employed for at least 2 years 3. Company should be listed in the top 10,000 corporations; or at least SEC registered 4. Middle management position 5. Basic Salary of at least P 20,000.00 6. Credit card holder for at least 2 years DOCUMENT REQUIREMENTS FOR PERSONAL LOAN - EMPLOYED: *Certificate of employment; or 2 months latest payslips *Photocopy of latest ITR or BIR 2316 *Photocopy of 2 valid ID’s *Photocopy of 2 latest utility bills (meralco/pldt/water/cable, etc.) addressed in residence *Photocopy of latest credit card billing statement ( 2 months consecutive) RCBC BANK - Business Loan Applicant should be operating for 5 years <<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< EMPLOYED MAYBANK - REQUIREMENTS AND QUALIFICATIONS LOANABLE AMOUNT: Minimum – P50,000.00 Maximum – P1,000,000.00 FLEXIBLE TERMS OF 12, 18, 24 AND 36 MOS. FEES/ CHARGES: Processing Fee of P2,000.00 Documentary stamps of P 1.00 for every P 200 (for above P 250,000 loan) REPAYMENT: Post-dated checks Borrower must be an Officer/ Supervisory Level; preferably a credit card holder for 1 year; maintains a checking acct. for at least 2 years FOR PERSONAL LOAN QUALIFICATIONS: 1. Permanently employed for at least 2 years; 2. Company should be listed in the top 7,000 corporations; 3. Middle management position (Supervisory level); 4. Basic Salary of at least P 18,000.00; 5. Preferably Credit card holder – active and on current status; • If self employed, business should be operating for 5 years DOCUMENT REQUIREMENTS FOR PERSONAL LOAN EMPLOYED: 1. Filled up application form; 2. Original certificate of employment w/ compensation or 1 month pay slip; 3. Photocopy of latest ITR or BIR 2316; 4. Photocopy of 2 valid IDs 5. Photocopy of latest credit card billing statement with residence address (if cardholder); 6. Photocopy of latest utility bill if residence address is not stated in #5 requirement. SELF EMPLOYED (SINGLE PROPRIETORSHIP): 1. Filled up application form; 2. Photocopy of DTI; 3. Photocopy of latest 2 years ITR and Financial Statements; 4. Photocopy of latest 6 months bank statements; 5. Photocopy of 2 valid IDs 6. Photocopy of latest utility bill (meralco, pldt, water) 7. Photocopy of latest credit card billing statement (if cardholder) 8. List of 3 Major Suppliers and Customers SELF EMPLOYED (CORPORATION): 1. Filled up application form; 2. Photocopy of SEC; 3. Photocopy of latest 2 years ITR and Financial Statements; 4. Photocopy of latest personal ITR 5. Photocopy of latest 6 months personal bank statements; 6. Photocopy of valid ID 7. Photocopy of latest utility bill (meralco, pldt, water) 8. Photocopy of latest 3 months credit card billing statements. (if cardholder) 9. List of 3 Major Suppliers and Customers ADDITIONAL DOCUMENT: 1. Bank certification if borrower has an existing loan with other banks (status and details) 2. Statements of Assets and Liabilities duly prepared by accountant and certified correct by the borrowers for loan amounts of P 500,000.00 >>>SINGLE PROPRIETORSHIP AND CORPORATION XXXXXXXXXXXXXXXXXXXXXXXXXXX START SELF EMPLOYED PREMIERE BANK AND PLANTERS BANK >>> SELF-EMPLOYED 25 yrs old to 65 yrs old - CREDIT CARD Holder ( No CMAP & NFIS record ) At least 5 years in the same business operation / profession Profitable for the past 2 years with Gross Sales of at least Php50,000/mo or with an ADB of Php200,000 with any depository account Monthly Amortization should not exceed 25% of Net Income >>> REQUIREMENTS Latest 2 yrs Audited Financial Statement and latest ITR Latest 6 mos Bank Statement Company Profile & Business Registration Valid ID (Passport, Driver’s License etc.) Latest credit card SOA & latest utility bill >>>SINGLE PROPRIETORSHIP AND CORPORATION XXXXXXXXXXXXXXXXXXXXXXXXXXX SELF EMPLOYED Other banks has no update yet but almost the same requirements. . . REMINDER > > > INCOMPLETE REQUIREMENTS WILL NOT BE PROCESS < < < REMINDER (CHANGES ON BANK POLICIES MAY APPLY WITHOUT PRIOR NOTICE) THANKS! - v2bmgr2011