Rural Bank of Angeles, Inc.

LOANS

Agricultural Loans
i. Agricultural Loans are offered even to small and medium scale farm operations to finance all crop production (covering cost of land preparation, seeds, fertilizer, and other inputs), livestock raising, aquaculture, acquisition of farm equipment, construction of farm facilities, rice and corn trading, and other agricultural related businesses.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing agricultural related business at the time of application operating for at least two (2) years.
2) A resident in the area for at least 2 years.
3) At least 21 years old at the date of application.
4) Have no pending cases.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Agricultural Loan
Purpose
Any agricultural activity
Amount
Depending on the agricultural activity requirement
Payment Scale
Monthly, Semi-Monthly, Quarterly, Semi-Annually, Annually
Interest Rate
22% -28% diminishing per annum
Service Charge
2% - 4% depending on the loan purpose
Insurance
AGFP
Collateral
Optional

ii. Agricultural Farm Machinery Loan

Provides financing to farmers for the acquisition of modern farm machinery and technologies.
Our loan programs are designed to help you grow your agricultural activities by providing capital for new equipment purchases or upgrades to existing equipment. We have the expertise to help you make an informed decision about what kind of equipment will work best for your farms, whether it’s large-scale farming equipment or small-scale tools. We can offer loans at rates that allow you to pay off your debt over time while also meeting your financial obligations with ease.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing agricultural related business at the time of application operating for at least two (2) years.
2) A resident in the area for at least 2 years.
3) At least 21 years old at the date of application.
4) Have no pending cases.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Agricultural Farm Machinery Loan
Purpose
Acquisition of modern farm machinery and technologies
Amount
Up to 2 Million
Payment Scale
Semi-Annually; 1- 5 years term
Interest Rate
20% diminishing per annum
Service Charge
2% except when covered by 0% promo
Insurance
AGFP
Collateral
Optional
i. Agricultural Loans are offered even to small and medium scale farm operations to finance all crop production (covering cost of land preparation, seeds, fertilizer, and other inputs), livestock raising, aquaculture, acquisition of farm equipment, construction of farm facilities, rice and corn trading, and other agricultural related businesses.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing agricultural related business at the time of application operating for at least two (2) years.
2) A resident in the area for at least 2 years.
3) At least 21 years old at the date of application.
4) Have no pending cases.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Agricultural Loan
Purpose
Any agricultural activity
Amount
Depending on the agricultural activity requirement
Payment Scale
Monthly, Semi-Monthly, Quarterly, Semi-Annually, Annually
Interest Rate
22% -28% diminishing per annum
Service Charge
2% - 4% depending on the loan purpose
Insurance
AGFP
Collateral
Optional

ii. Agricultural Farm Machinery Loan

Provides financing to farmers for the acquisition of modern farm machinery and technologies.
Our loan programs are designed to help you grow your agricultural activities by providing capital for new equipment purchases or upgrades to existing equipment. We have the expertise to help you make an informed decision about what kind of equipment will work best for your farms, whether it’s large-scale farming equipment or small-scale tools. We can offer loans at rates that allow you to pay off your debt over time while also meeting your financial obligations with ease.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing agricultural related business at the time of application operating for at least two (2) years.
2) A resident in the area for at least 2 years.
3) At least 21 years old at the date of application.
4) Have no pending cases.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Agricultural Farm Machinery Loan
Purpose
Acquisition of modern farm machinery and technologies
Amount
Up to 2 Million
Payment Scale
Semi-Annually; 1- 5 years term
Interest Rate
20% diminishing per annum
Service Charge
2% except when covered by 0% promo
Insurance
AGFP
Collateral
Optional
i. Agricultural Loans are offered even to small and medium scale farm operations to finance all crop production (covering cost of land preparation, seeds, fertilizer, and other inputs), livestock raising, aquaculture, acquisition of farm equipment, construction of farm facilities, rice and corn trading, and other agricultural related businesses.

Borrower Eligibility Criteria

1) Have an existing agricultural related business at the time of application operating for at least two (2) years.
2) A resident in the area for at least 2 years.
3) At least 21 years old at the date of application.
4) Have no pending cases.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Agricultural Loan
Purpose
Any agricultural activity
Amount
Depending on the agricultural activity requirement
Payment Scale
Monthly, Semi-Monthly, Quarterly, Semi-Annually, Annually
Interest Rate
22% -28% diminishing per annum
Service Charge
2% - 4% depending on the loan purpose
Insurance
AGFP
Collateral
Optional

ii. Agricultural Farm Machinery Loan

Provides financing to farmers for the acquisition of modern farm machinery and technologies.
Our loan programs are designed to help you grow your agricultural activities by providing capital for new equipment purchases or upgrades to existing equipment. We have the expertise to help you make an informed decision about what kind of equipment will work best for your farms, whether it’s large-scale farming equipment or small-scale tools. We can offer loans at rates that allow you to pay off your debt over time while also meeting your financial obligations with ease.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing agricultural related business at the time of application operating for at least two (2) years.
2) A resident in the area for at least 2 years.
3) At least 21 years old at the date of application.
4) Have no pending cases.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Agricultural Farm Machinery Loan
Purpose
Acquisition of modern farm machinery and technologies
Amount
Up to 2 Million
Payment Scale
Semi-Annually; 1- 5 years term
Interest Rate
20% diminishing per annum
Service Charge
2% except when covered by 0% promo
Insurance
AGFP
Collateral
Optional
Teachers Salary Loans
Teachers Salary Loan is a multipurpose loan offered to all regular and permanent Teachers and Non-teaching employees of Department of Education with at least six months in service. Borrow up to Php 2 Million, payable from 12, 24, 36, 48, up to 60 months through Automatic Payroll Deduction System.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Borrower must be regular and permanent DepEd employee.
2) Borrower must be included in the regular payroll with issued valid employee number.
3) Borrower has at least 6 months current service record in DepEd.

Loan Type Teachers' Salary Loan
Purpose
For educational, hospitalization, housing, travel
and other emergency expenses of the borrower.
Amount
P30,000 – P2 Million
Payment Scale
1 - 5 years loan term
Interest Rate
7.50%
Service Charge
6%
Insurance
None
Collateral
None
DOWNLOAD FORM:
Teachers Salary Loan is a multipurpose loan offered to all regular and permanent Teachers and Non-teaching employees of Department of Education with at least six months in service. Borrow up to Php 2 Million, payable from 12, 24, 36, 48, up to 60 months through Automatic Payroll Deduction System.

Borrower Eligibility Criteria​

Borrower must meet the following conditions:

1) Borrower must be regular and permanent DepEd employee.
2) Borrower must be included in the regular payroll with issued valid employee number.
3) Borrower has at least 6 months current service record in DepEd.

Loan Type Teachers' Salary Loan
Purpose
For educational, hospitalization, housing, travel
and other emergency expenses of the borrower.
Amount
P30,000 – P2 Million
Payment Scale
1 - 5 years loan term
Interest Rate
7.50%
Service Charge
6%
Insurance
None
Collateral
None
DOWNLOAD FORM:

Teachers Salary Loan is a multipurpose loan offered to all regular and permanent Teachers and Non-teaching employees of Department of Education with at least six months in service. Borrow up to Php 2 Million, payable from 12, 24, 36, 48, up to 60 months through Automatic Payroll Deduction System.

Borrower Eligibility Criteria​​

Borrower must meet the following conditions:

1) Borrower must be regular and permanent DepEd employee.
2) Borrower must be included in the regular payroll with issued valid employee number.
3) Borrower has at least 6 months current service record in DepEd.

Loan Type Teachers' Salary Loan
Purpose
For educational, hospitalization, housing, travel and other emergency expenses of the borrower.
Amount
P30,000 – P2 Million
Payment Scale
1 - 5 years loan term
Interest Rate
7.50%
Service Charge
6%
Insurance
None
Collateral
None
DOWNLOAD FORM:
Microfinance Loans

Microfinance Loans are offered to small entrepreneurs in urban and rural areas for working capital, housing and similar needs. Usual clientele are from small and medium market segment including farmers, artisans, small traders, retailers craftsmen, and other self-employed individuals including the informal sector with the end view of providing equitable distribution of economic opportunities and prospects for income.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing business at the time of application operating for at least two (2) years.
2) Engaged in business activities that generate regular sales (daily, weekly or monthly).
3) A resident in the area for at least 2 years.
4) At least 21 to 65 years old at the date of application.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Microfinance Loans
Purpose
For working capital, housing and similar needs
Amount
P20,000 – P300,000
Payment Scale
Weekly, Semi-Monthly, Monthly
Interest Rate
51.50% diminishing per annum
Service Charge
3%
Insurance
None
Collateral
Unsecured

Microfinance Loans are offered to small entrepreneurs in urban and rural areas for working capital, housing and similar needs. Usual clientele are from small and medium market segment including farmers, artisans, small traders, retailers craftsmen, and other self-employed individuals including the informal sector with the end view of providing equitable distribution of economic opportunities and prospects for income.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing business at the time of application operating for at least two (2) years.
2) Engaged in business activities that generate regular sales (daily, weekly or monthly).
3) A resident in the area for at least 2 years.
4) At least 21 to 65 years old at the date of application.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Microfinance Loans
Purpose
For working capital, housing and similar needs
Amount
P20,000 – P300,000
Payment Scale
Weekly, Semi-Monthly, Monthly
Interest Rate
51.50% diminishing per annum
Service Charge
3%
Insurance
None
Collateral
Unsecured
Microfinance Loans are offered to small entrepreneurs in urban and rural areas for working capital, housing and similar needs. Usual clientele are from small and medium market segment including farmers, artisans, small traders, retailers craftsmen, and other self-employed individuals including the informal sector with the end view of providing equitable distribution of economic opportunities and prospects for income.

Borrower Eligibility Criteria​

Borrower must meet the following conditions:

1) Have an existing business at the time of application operating for at least two (2) years.
2) Engaged in business activities that generate regular sales (daily, weekly or monthly).
3) A resident in the area for at least 2 years.
4) At least 21 to 65 years old at the date of application.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Microfinance Loan
Purpose
Small to Medium Scale Entrepreneurs
Amount
Up to ₱300,000.00
Payment Scale
Daily, Weekly,
or Semi-Monthly
Interest Rate
48% to 54%
Diminishing Annually
Effective Int.
Rate (EIR)
60.10% to 69.59%
Service Charge
1% to 3% depending
on the loan cycle
and payment history
Insurance
None
Collateral
No
Commercial/MSME Loans

Commercial/MSME Loans is a type of loan used for businesses offered to small and medium entrepreneurs in short and long term needs, that provide additional capital for day to day operations, expansion, acquisition of properties and buying new equipment. Usual clientele are from small and medium market segment including farmers, vendors, traders, retailers and manufacturers with the end view of providing equitable distribution of economic opportunities and prospects for income.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing business at the time of application operating for at least two (2) years.
2) Engaged in business activities that generate regular sales (daily, weekly or monthly).
3) A resident in the area for at least 2 years.
4) At least 21 to 65 years old at the date of application.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Commercial Loans
Purpose
Loans for MSMEs for working capital and business expansions.
Amount
200,000 up to 2 Million
Payment Scale
Monthly
Interest Rate
22% - 42% diminishing per annum
Service Charge
3% depending on the loan purpose
Insurance
None
Collateral
Required either for safekeeping or subject to annotation of mortgage

Commercial/MSME Loans is a type of loan used for businesses offered to small and medium entrepreneurs in short and long term needs, that provide additional capital for day to day operations, expansion, acquisition of properties and buying new equipment. Usual clientele are from small and medium market segment including farmers, vendors, traders, retailers and manufacturers with the end view of providing equitable distribution of economic opportunities and prospects for income.

Borrower Eligibility Criteria

Borrower must meet the following conditions:

1) Have an existing business at the time of application operating for at least two (2) years.
2) Engaged in business activities that generate regular sales (daily, weekly or monthly).
3) A resident in the area for at least 2 years.
4) At least 21 to 65 years old at the date of application.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Commercial Loans
Purpose
Loans for MSMEs for working capital
and business expansions.
Amount
200,000 up to 2 Million
Payment Scale
Monthly
Interest Rate
22% - 42% diminishing per annum
Service Charge
3% depending on the loan purpose
Insurance
None
Collateral
Required either for safekeeping or
subject to annotation of mortgage

Commercial/MSME Loans is a type of loan used for businesses offered to small and medium entrepreneurs in short and long term needs, that provide additional capital for day to day operations, expansion, acquisition of properties and buying new equipment. Usual clientele are from small and medium market segment including farmers, vendors, traders, retailers and manufacturers with the end view of providing equitable distribution of economic opportunities and prospects for income.

Borrower Eligibility Criteria​

Borrower must meet the following conditions:

1) Have an existing business at the time of application operating for at least two (2) years.
2) Engaged in business activities that generate regular sales (daily, weekly or monthly).
3) A resident in the area for at least 2 years.
4) At least 21 to 65 years old at the date of application.
5) Have no past due records with the Bank and with other financial institutions and/or suppliers.

Loan Type Commercial Loans
Purpose
Loans for MSMEs for working capital and business expansions.
Amount
200,000 up to 2 Million
Payment Scale
Monthly
Interest Rate
22% - 42% diminishing per annum
Service Charge
3% depending on the loan purpose
Insurance
None
Collateral
Required either for safekeeping or subject to annotation of mortgage

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