How much can I borrow?
With a Chinatrust Personal Loan, borrow as much as P1,000,000, subject to approval.
What are the Chinatrust Personal Loan Requirements?
An applicant must fulfill Chinatrust’s eligibility criteria for a loan:
- Must be 23 to 60 years old upon loan maturity
- Must be a Filipino citizen
- If employed:
- With minimum gross monthly income of PhP15,000. for Metro Manila-based applicants or PhP10,000. for provincial-based applicants
- Must be with the current company for at least one (1) year on a regular / permanent status
- With office and home landline and/or mobile number
- If self-employed:
- Business must be registered and in existence of operation for at least three (3) years for Trading and Services Industry or five (5) years for other industries
- With office and home landline and/or mobile number
- Must be a credit card holder
Consequently, after filling out an application form, the following documents are necessary:
Fully Employed applicants need:
- Completely filled out application form
- Photocopy of latest ITR / BIR Form 2316
- Photocopy of ID issued by the employer (with photo and signature)
- Photocopy of one (1) month latest pay slip
Self–Employed applicants need:
- Completely filled out application form
- Photocopy of latest BIR Form 1701 / 1702
- Photocopy of unexpired Certificate of Registration from the Department of Trade and Industry (DTI)
- Photocopy of latest two (2) months credit card statements
- Photocopy of latest six (6) months bank statements of account/s
- Photocopy of the face of credit card
- Photocopy of two (2) government-issued IDs with photo
*Additional documents may be required during credit evaluation.