Personal LoansAsenso Kabayan ProgramBDO Asenso Kabayan Personal Loan UnsecuredA multi - purpose and non collateral Personal Loan for OFWs with fixed income.BDO Asenso Kabayan Personal Loan SecuredThe Personal Loan for OFWs is offered against hold-out on Joint or Individual accountdeposits maintained with BDO as security. The following are the type of deposits allowed for this facility: Peso or Dollar Savings Account Peso or Dollar Time Deposit at least co-terminous with the loan tenor The minimum deposit requirement is P15,000 or its dollar equivalent. Though, the loan proceeds will be in Pesos. Applicant should be the OFW only. However, if the deposit collateral is a joint account, beneficiary may apply as a principal borrower of the loan The following cannot be allowed to be held as collateral In Trust For accounts Accounts with existing/ongoing hold-out arrangementsBenefitsFlexible loan amounts Minimum of P10,000 Maximum of P 3,000,000For Asenso Kabayan Personal Loan Secured For Peso account, maximum of 90% of the deposit account balance For Dollar account , maximum of 80% of the deposit account balance; the prevailing buying rate shall be used to determine peso equivalent.Fixed monthly payments pay the same amount every month with any of the following flexible payment terms: 3 months (for Unsecured) 6 months 12 months 18 months 24 months 36 monthsLoan proceeds will be credited to BDO account

Home LoanHigh Loan AmountMaximize your loan up to 80% of the appraised value of your property or apply for a minimum of P500,000.Low Interest RatesEnjoy low interest rates with options for longer fixing period to help you manage your monthly payments.Flexible Payment TermsMake your monthly installment more affordable with payment terms of up to 20 years. Plus, you have the option to make your first payment sixty (60) days after the release of your loan.** First payment will be due 60 days after release of loan, subject to applicable interest.

Auto LoanFlexible Payment Terms Minimum down payment of 20% (for brand new) or 30% down payment (for used cars) to fit budget or you may opt to increase your initial cash out to have a lighter monthly amortization that you can afford.

Small Business LoanFlexible and Affordable Payment TermsChoose the payment option that matches your cash flow. Have the flexibility to pay your loan in 1 year or up to 10 years.High Loan AmountBorrow up to P20 Million or as much as 70% of the appraised value of your collateral.

Consumer Loans Home Loan

MetroHome Loan Fees:Registration FeeBased on RD schedule / table

Notarial feeP 200 / Document

Appraisal feeP 4,000 (Metro Manila) / P 4,500 (Countryside)

TIV FeeP 1,000 / title

Handling feeP 3,500

Mortgage RedemptionInsurance(Standard rating)(Loan amount x .40)/1,000 x 12 (one-year premium)

Property InsuranceStandard rates.09% without AOG.125% with AOG

Corporate LoansLoans for Capital ExpendituresYou can avail of these loansin short term (2 years or less), medium term (3-5 years), or long term (more than 5 years) whichare normally secured by Real Estate Mortgage, Standby Letter of Credit, or Deed of Assignment, among others.

TIME LOANChoose to pay at a fixed date or within a specific period of time. Interest is not collected in advance but at the end of a specific term, such as after every 30 or 60 days.

Details:

- Minimum Term of 1 yr.- Pay interest at the end of the term

BUSINESS DISCOUNTED LOANSIf you require only short-term financing, this loan is for you. A Bills Discounted Loan has a term of 1 year or less. The interest is paid in advance or deducted from the proceeds of the loan.

Details:- Term of 1 yr. Or less- Pay interest monthly- Pay principal at the end of the term

AMORTIZED LOANGet an Amortized Loan if you want to pay in equal monthly installments.

Details:

- Pay principal in equal installments

STRAIGHT LOANWith a Straight Loan, you can opt to get the loan proceeds either lump sum or staggered over a specific period. The principal amount is paid in lump sum at maturity, while interest is discounted and amortized periodically.

Details:

- Lump sum or staggered loan availment- Pay principal at maturity- Pay interest monthly in advance

SYNDICATED LOANIf you have financing requirements beyond what a single bank can offer, then a Syndicated Loan is what you need, which is packaged by a group of banks.

Home LoanEligible Borrowers Filipino citizen 21 years old but not more than 65 years old upon loan maturity With reliable source of income either from employment and/or business/investmentNo CI/BI adverse findings

Loan Purpose Purchase of residential lot, house and lot, townhouse, or condominium unit Construction or renovation of a residential unit or residential/commercial apartmentRefinancing of existing mortgage loan

Amount of LoanMinimum of P500,000 and shall be computed based on borrowing capacity of client but not more than loan value of collateral

Borrowing Capacity 30% of gross monthly income of borrower and his/her spouse (private applicants)Govt. employee, required monthly net take home pay shall be observed per current GAA

Loan Value 70% of appraised value for loans of P3.5 M and below60% of appraised value for loans above P3.5 M

Term of LoanMaximum of 20 years provided combined age of principal borrower and loan term shall not exceed 65

Loan SecurityREM

Fees and Chargesa) Application/ Filing Fee of P2,000.00 (non-refundable)b) Appraisal and Inspection Fees per CPI no. 2014-003 dated 12 February 2014 Pre-release chargesc) Handling Fee of 1/10 of 1% based on amount approved d) Commitment Fee of % of the unavailed amounte) Notarial Fee: Minimum of P500.00f) Documentary Stamps Tax per PNg) Insurance Premium on MRI & Fireh) BIR & Registry of Deeds Registration Fees

PERSONAL LOANThe EastWest Bank Personal Loan is an unsecured and non-collateralized consumer loan that is granted to qualified individuals for their personal use. It is payable in fixed equal monthly installments.Product Features: Multi-Purpose Travel/Vacation Tuition Fee/School Expenses Credit Card Payment Appliance/Furniture Purchase Medical Expenses Bills Payment Car Accessories/Repair Home Improvement/Renovation And much more Low interest rates!

To Compute for the Monthly InstallmentPrincipal Loan AmountxFactor Rate=Monthly InstallmentShort processing time (Processing of application will take 3 to 5 banking days. Release of loan proceeds tothe client will take another 2 banking days for pick up and 2 to 4 banking days for the delivery and depositto account option.)No collateral and co-maker needed!Minimum Loan Amount Php25,000Maximum Loan Amount Php 2 Million

Business LoansSHORT-TERM FINANCINGWhenever you need financing on the spot, to cover for unplanned expenses or to bridge working capital requirements, you may rely on your BPI Family Kanegosyo term loan or check accessed credit line with ATM card.

LONG-TERM FINANCINGTo ensure uninterrupted business operations or to drive your expansion plans, our loans can be modified to work with your available funds and cash flow schedule. Our long-term financing can help you with: Business Expansion Franchise Financing Purchase of Fixed Assets and Equipment Purchase / construction / renovation of condominium unit / residential property for lease Purchase / construction / renovation of commercial property Refinancing of existing commercial loan / mortgage

FRANCHISE FINANCINGEspecially designed for franchising businesses, BPI Family Ka-Negosyo Franchising Loan offers affordable financing to enable you to start your franchise business today.

Choose the best financing products to suit your needs:

Personal LoanLoan PurposePay-off credit card bill/balancesMedical/surgical/doctor's billsTuition, matriculation, school related expenses (books, uniforms, supplies)Travel, vacation, car repair and maintenance expensesHome improvements, furnishingsHigh end appliances and gadgets (e.g. notebook computers, 42" flat TV)

Eligible BorrowersCurrent credit card members of Mastercard, Visa, Amex, JCB with minimum of 2 years membershipWith owned (2 years) or rented (3 years) residence

If Employed:At least of middle managementMinimum monthly income of P20,000Minimum of 2-year tenureEmployer among top 10,000 corporations

If Self-Employed:Business must be at least 5 years in operationProfitable for the last 2 years

Financing FeaturesMinimum loan amount - P100,000 (subject to paying capacity of borrower)Maximum loan amount - P500,000 (subject to paying capacity of borrower)Minimum term - 6 monthsMaximum term - 36 months

Housing LoansTerm of loan For Lot purchase / Home Improvement - up to 10 yrs. For purchase of House & Lot, Townhouse, Condominium unit & House Construction - up to 20 yrs.Collateral Real Estate property to be financedLoanable AmountMaximum loanable amount shall be the lowest of: Actual Need Paying capacity (up to 30% of gross monthly income can be used as amortization) Up to 80% of the appraised value of the property for house & lot, townhouse & condominium Up to 60% of the appraised value of the property for lotMinimum loanable amount P750K for purchase of house & lot, townhouse & condominium - within Metro Manila; P500K - other areas outside Metro Manila P500K for purchase of lot within Metro Manila; P200K other areas outside Metro ManilaInterest RateWelcome Rates * 5.25% fixed for 1 year 6.25% fixed for 2-3 years 6.75% fixed for 4-5 years 9.50% fixed for 10 years 10.25% fixed for 15 years 10.75% fixed for 20 years* Promo rates only.Manner of Release Lumpsum release for loans to purchase a lot, house and lot, condominium unit, or townhouse Staggered release for loans to construct a house or for home improvement: Maximum of five (5) releases Only interest payment is required during the construction period & is deducted from the second to last release Final release upon 100% completion of construction whereby all loan releases are consolidated into one promissory noteAppraisal FeeMinimum of P3,500 (Non-refundable)

With the UnionBank Auto Loans you can: Loan up to 80% of the price of the vehicle Enjoy fast and efficient service Avail of flexible terms up to 60 months Choose from the convenient modes of payment Auto Debit Arrangement - Automatically debit your UnionBank savings or checking account on your due date. Over The Counter - Pay your monthly amortization at any UnionBank branch near you. Post-Dated Checks - Settle your monthly amortization by issuing post-dated checks to UnionBank.

Features at a Glance: Purpose : Purchase brand new or second hand cars Minimum loan amount: P200,000 Interest rates : Prevailing lending rate at the time of loan availment

Requirements: Borrower should be at least 21 to 60 years old at the time of loan application Employed - Permanently employed for at least 1 year Self Employed Business must be operating for the past 2 years OFWs must have 1st degree relative residing in the Philippines as co-maker; should not be more than 65 years by loan maturity date

Low Fixed Interest Rates -- rate fixing periods from "fixed for one (1) year" to "fixed for twenty five (25) years" are available to safeguard you against sudden rate increases Flexible payment terms: Up to 25 years for a house and lot Up to 15 years for vacant lots Up to 10 years for condominium units Low insurance premiums through CBC Insurance Brokers Inc. Easy and convenient loan payment via an auto-debit arrangementWith a China Bank HomePlus loan, you can... Purchase a residential lot, house and lot, townhouse or a condominium unit Construct or renovate residential improvements Reimburse recent construction or the purchase of residential property Refinance an existing housing loan with other financial institutions