Are you ready for more?

Fulfilling your goals is an exciting milestone.

Are you ready to take your big step in life?

Doing it can be easier than you think.

In partnership with

Before you begin

In the next pages, you'll find an introductory walk-through on some types of loans that you can use to fund your goals.

Why apply for a loan?

QUICK & CONVENIENT MEANS TO SECURE FUNDING

EASY-ON-THE-POCKET: PAYMENTS ARE STAGGERED OVER A TERM PERIOD

YOU CAN USE THE LOAN TO INVEST IN YOUR BUSINESS OR PROPERTY

Remember that a loan is a responsibility . Before availing of one, make sure that you have the capability and the commitment to handle it.

You have a stable source of income that can cover your loan payments

You have a good credit history

You have substantial savings or property for collateral

What do you seek?

Home

Car

Business Expansion

Travel, Education, Home Improvement

I don't know yet

Home Loan

A home loan can help you finance purchase of real estate properties without affecting your purchasing power.

Determine if you can afford regular payments

At most, 30% of your income can go into housing. Review your income and expenses. Be ready to provide all documentation of your income and computation of household savings. See what can be adjusted for amortization.

Canvass for property that fits your budget

A bank loan can help you fund up to 80% of your property’s appraised value. Choose the loan with the most flexible, friendly terms. Talk with your bank first so you can know your options. Click here to know more.

Choose the home loan that's best for you

Research thoroughly and look at actual properties online and offline. Keep notes and think about your long-term needs (a place for your growing family? An investment for the future?). Don’t stop until you find the house that feels like ‘the one.’

Auto Loan

A flexible loan can help you fund the purchase of the car you have always wanted without denting your budget.

So you can afford the wheels, but can you afford owning and maintaining it?

Keep these costs in mind:

Insurance

Fuel

Parking

Maintenance and Parts

Annual Registration

Depreciation

SME Loan

Apply for an SME Loan to expand your business or enhance your operations.

How do you know it's time to expand?

Stable profit

Growing demand for product / service

Competition is evolving

You want to tap new audience markets

Current customers have more needs and wants

How can you fund your expansion via Savings or Loan?

For a bank loan, view a sample list of requirements here .

As a general rule,

Don't dip into your savings to fund the expansion of your business.

A bank loan can help fund your expansion, especially if you want to purchase a real estate property for your office space or purchase additional equipment. A loan can also help you increase your inventory and expand to new markets.

You can opt for a fixed-term loan for property acquisition, or a revolving credit line for periodic upgrades. Click here to know more.

Installment Card

Get the card that gives you financial flexibility and accessible cash to your every need.

What can you do with an installment card?

View a sample list of requirements here .

Education

Home Improvement

Travel

Start-up business

Medical Expenses

Many institutions offer varying types of credit. To avoid scams or high interest rates, only apply with a trusted institution .

Keep in mind

When looking for a credit product, ensure you get the one that best suits your needs.
Personal credit lines have a “ceiling amount.” Check with your bank and understand the terms of the product before taking on credit.
Avoid taking on additional charges by paying your bills promptly.

Text Krista Garcia | Graphics Raffy De Guzman | Developer Dominic Tuazon