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Deposit and Loan Rates

Loan Interest Rates as of

A. Auto Loan

Brand New Vehicles Second Hand Vehicles
Duration In Arrears In Arrears
12 Months 5.29% 7.97%
18 Months 7.72% 11.29%
24 Months 10.46% 15.25%
36 Months 16.05% 23.39%
48 Months 21.80% 33.70%
60 Months 28.01% N/A

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B. Housing Loan*

Regular Loan Property Equity Loan (PEL)
Fixing Period Rate Fixing Period Rate
1 Year 9.00% 1 Year 10.00%
2-3 Years 9.25% 2-3 Years 10.25%
4-5 Years 9.50% 4-5 Years 10.50%
6-10 Years 11.00% 6-10 Years Not applicable
11-15 Years 12.50% 11-15 Years Not applicable
16-20 Years 14.50% 16-20 Years Not applicable

*Annual repricing after the period, interest rate subject to bank's prevailing lending rate plus 2% spread.

Mandatory charges shall apply

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C. Motorcycle Loan

Term Add-on Rate (Whole Term)
12 Months 25.45%
18 Months 37.30%
24 Months 49.80%
36 Months 76.70%

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Other Loan Rates

Kind of Loan Rates
Back to Back Loan Rate of deposit + 6% spread plus other charges
SME Loan 3.00% per month plus other charges
Pangkabuhayan Business Loan 1.75% per month for 12 mos, 18 mos and 24 mos term
Personal Loan
  • 6 Months: 1.75% per month
  • 12 Months: 1.75% per month
  • 18 Months: 1.75% per month
  • 24 Months: 1.50% per month
  • 36 Months: 1.25% per month
  • 48 Months: 1.00% per month


Agricultural Loans and Commercial Loans: (Term Loan & Credit Line)

Type Rate (per annum) and Service Charge (SC one-time) Criteria
Retail 13.00% + 5.00% SC
  1. New borrowers or depositors of the bank
  2. Loan to collateral-ratio is within standard and collateral must be marketable

For existing depositors:

  1. With ADB of at least 10% of loan amount requested.
  2. Depositor for at least 1 year.
  3. Loan to collateral is within standard and collateral must be marketable.
  4. With good quality assets based on the latest appraisal report.
  5. Booming business and line of industry.

For existing borrowers:

  1. With ADB of at least 10% of outstanding balance.
  2. With good credit standing i.e. satisfactory handling of existing loans, not more than 5x missed payments (1-30 days delayed).
  3. Loan to collateral-ratio is within standard and collateral must be marketable.
  4. With good quality assets based on the latest appraisal report.
  5. Booming business and line of industry.
Prime 11.00% + 5.00% SC

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