PACCI LOANS

EXPRESS LOAN

n   interest Rate: 3%

n   Term: 24mos

n   Mode: Monthly

n   Characteristic:

¨   80% of SC

¨   80% of SV

INSTANT LOAN

n    Interest Rate: 3%

n    Term: 10mos

n    Mode: Monthly

n    Characteristic:

¨    P 3,000.00 for MIGS Non-Diamond

                    P 6,000.00 for MIGS Diamond 

REGULAR LOAN (Productive)

n     Interest Rate: 2% - 3%

n     Term: 36mos

n     Mode: Diminishing

n     Amount: P 300,000.00

n     Characteristic:

¨    Capacity Based Lending

                  For Business Capitalization

REGULAR LOAN (Special Productive)

n     Interest Rate: 2% - 3%

n     Term: 36mos

n     Mode: Diminishing

n     Amount: P 301,000.00 – 1,000,000.00

n     Characteristic:

¨    Capacity Based Lending

¨    For Business Capitalization

REGULAR LOAN (Commercial)

n     Interest Rate: 2.5% - 3%

n     Term      : 18 mos - 36 mos

n     Mode: Diminishing

n     Amount: P 1,000,000.00 – P 2,000,000.00

n     Characteristic:

¨    Capacity Based Lending

¨    For Business Capitalization

REGULAR LOAN (Providential)

n     Interest Rate: 3%

n     Term: 36mos

n     Mode: Diminishing

n     Amount: P 100,000.00

n     Characteristic:

¨    Capacity Based Lending

¨    Character Based Lending

 SALARY LOAN (Brgy. Official)

n     Interest Rate: 2%

n     Term: 24mos

n     Mode: Diminishing

n     Amount: Based on Honorarium w/ P500.00 net take home pay

n     Characteristic:

¨    Elected Official

¨    MOA with PACCI & Brgy.

¨    Treasurer is responsible for collection

SALARY LOAN (Employed)

n     Interest Rate: 3%

n     Term: 36mos

n     Mode: Diminishing

n     Amount: Times 5 of Basic Pay

n     Characteristic:

¨    Capacity Based

¨    Receiving Monthly Salary

PENSION LOAN

n     Interest Rate: 3%

n     Term: 24mos

n     Mode: Diminishing

n     Amount: Based on Monthly Honorarium

n     Characteristic:

¨    Capacity Based

¨    Receiving Monthly Pension

Appliance & Office Equipment Loan (AOEL)

n     Interest Rate:    1.5%      -  2%

n     Term:             12 mos.     – 24 mos

n     Mode: Straight

n     Amount: P 60,000.00

n     Characteristic:

¨    Capacity Based

¨    Receiving Monthly Pension

MICRO-FINANCE LOAN

 Livelihood Assistance Program (LAP)

nInterest Rate: 1.5%

nTerm: 6 mos

nMode: Straight

nMethod: Daily, Weekly, Lumpsum

nAmount: P 100,000.00

nCharacteristic:

•     Capacity Based

•     Receiving daily income

•     P 50,000.00 with collateral

•     At least one (1) year in business

•     Package with Daily Insurance (Family Protector)

Pagtinabangay Alang Sa Kalambuan (PASaKa)

nInterest Rate: 3%

nTerm: 6 mos

nMode: Straight

nMethod: Daily

nAmount: P 100,000.00

nCharacteristic:

nCapacity Based

nReceiving daily income

nP 50,000.00 with collateral

nAt least one (1) year in business

nPackage with Daily Insurance (Family Protector)

Financial Assistance to Small Trader (FAST)

n     Interest Rate: 6%

n     Term: 100 Days

n     Mode: Straight

n     Method: Daily

n     Amount: P 20,000.00

n     Characteristic:

n     Capacity Based

n     Receiving daily income from business

n     Daily wage earner (inadlaw nga kinitaan)