How much can I borrow?
With a PBCOM Personal Loan, borrow as much as P1,000,000, subject to approval.
What are the options available to make the monthly loan amortization payments? My loan application has been approved.
You can repay the loan in monthly installments through post dated checks or an automatic debit arrangement from your savings or salary account.
What are the PBCOM Personal Loan Requirements?
An applicant must fulfill PBCOM’s eligibility criteria for a loan:
- 25 to 65 years old (Applicant must not be more than 65 years old upon loan maturity), and
- Filipino citizens or local resident foreigners who live within PBCOM business center locations (Local resident foreigners should present Immigrant Certificate of Residency OR documents as required by Executive Order 226 OR Visa and work permit), and
- Must have an existing locally-issued credit card issued 12 months prior and with a minimum credit limit of P30,000, and
- Income of applicant must be within the minimum income required by PBCOM as follows:
- Gross Annual Income of P260,000 for Salaried Employees
- Gross Annual Income of P300,000 for Self-Employed / Professionals
Consequently, after filling out an application form, the following documents are necessary:
Fully Employed applicants need:
- Filled out and signed application form
- Two (2) valid government-issued IDs with photo and signature
- Latest two (2) months credit card statements
- Front photocopy of credit card
- Proof of Income
- A copy of the latest Income Tax Return (ITR) of the borrower and his co-maker, if applicable; OR
- Employer’s Certificate of Compensation Payment/Tax Withheld (BIR Form 2316); OR
- Latest three (3) months pay slips upon loan application
Self – Employed applicants need:
- Filled out and signed application form
- Two (2) valid government-issued IDs with photo and signature
- Post Dated Checks
- Latest two (2) months credit card statements
- Front photocopy of credit card
- Proof of Income:
- A copy of the latest Income Tax Return (ITR) of the borrower and his co-maker, if applicable
- Latest Audited Financial Statements
- Photocopy of Certificate of Business Registration with SEC or DTI (if loan purpose is for business use)
