ALL ELIGIBLE EMPLOYEES!!!

*Personal Loans*

Loan Amount – Php10,000.00 to Php500,000.00

Terms – 6 / 12 / 18 / 24 months

Low Interest Rates

INITIAL REQUIREMENTS:

  1. Credit application form
  2. Photocopy of Company ID (front and back) with 3 specimen signatures on the side.
  3. Photocopy of Government issued ID
  4. Photocopy of latest ITR or Withholding Tax Certificate.
  5. Certificate of Employment
  6. Latest three (3) months pay slip
  7. Latest three (3) months bank statement of Checking account
  8. Latest three (3) months credit card statement (if any).
  9. 2 x 2 Photo of borrower 
  10. Photocopy of utility bills or proof of billing address (if renting, certification from landlord)

AN INTRODUCTION TO PERSONAL LOAN FACILITY

FREQUENTLY ASKED QUESTIONS (FAQ)

WHAT IS A PERSONAL LOAN FACILITY

  • A Personal Loan Facility is an alternative source of funding for employees of select prime companies.

 WHO ARE QUALIFIED TO AVAIL OF THE FACILITY?

  • As a general rule, Borrower must be a permanent employee and has been working for at least three (3) years, not necessarily with the same company.

 HOW MUCH CAN AN EMPLOYEE AVAIL?

  • Minimum of P10,000.00, maximum of P500,000.00 depending on the employees computed capacity to pay.

 WHAT IS THE MODE OF PAYMENT

  • Issuance of Monthly Post Dated Checks for the term of the loan

 WHAT ARE THE PAYMENT TERMS?

  • Minimum of six (6) months, maximum of twenty four (24) months

 WHAT ARE THE INTEREST RATES APPLICABLE?

  • 6 – 12 months = 1.39% per month
  • 18 months = 1.49% per month
  • 24 months = 1.59% per month

 WHAT ARE THE OTHER CHARGES TO BE DEDUCTED FROM THE LOAN PROCEEDS?

  • Documentary Stamps
  • Credit Life Insurance
  • Processing Fee

 HOW LONG IS THE PROCESSING TIME?

  • Five (5) working days upon submission of complete and accomplished documents.

 HOW MANY UNPAID AMORTIZATIONS CAN A BORROWER BE CONSIDERED IN DEFAULT?

  • The borrower shall already be considered in default should one (1) monthly amortization be unpaid.

 WILL A BORROWER WITH A BALANCE ON PREVIOUS LOANS STILL BE ALLOWED TO BORROW?

  • A borrower who has paid more than half of his loan will be allowed to re-avail of a new loan. The balance will be deducted from the proceeds of the new loan.

 

For more information,

Please call

Tel. 892-0991 to 96

Email: structuredfinance@unicapital-inc.com

Download Credit Application

Duly filled up credit application form and requirements can be emailed to structuredfinance@unicapital-inc.com, ldd@unicapital-inc.com or vlg@unicapital-inc.com. They can also be mailed/delivered to The Structured Finance Department, Unicapital Finance and Investments Inc. ,3rd Floor Majalco Building, Benavidez corner Trasierra Streets, Legaspi Village, Makati City, Metro Manila.