BANK OF COMMERCE Personal Loan: .88% Interest Rate

The Lowest Interest Rate Personal Loan / Cash Loan in the Market Today

APPLY NOW… Mobile: 0927-917-0077 Landline: (02) 218-9363

 Product Features:

• Minimum Loan Amt: 20K - Maximum Loan Amt: 1Million
• Tenor: 6, 9, 12, 18, 24 and 36 mos.
• No Collateral
• No Co Maker / Guarantor
• Mode of Payment: PDC (local or On us)
• Loan Release: MC or Credit to BOC account
• Processing Time: 3- 5 days ( For accounts that do not require ocular checking and  accounts with complete required docs)

 Interest Rate/ Fees

Interest Rate:

.88% > 100k

.98% < 100k         

Processing fee:

1%     > 150k

1,500 < 150k

Doc Stamps:

Php1 for every 200 > 250k

Qualifying Criteria

Citizenship: Filipino

Age: 21 yrs of age at the time of application and should not exceed 65 yrs old at the time of loan maturity

Residence: Owned; Mortgaged; Rented- At least 1 yr.; Living with relatives at least 1 yr

Phone: At least one contact number at residence (cell no. or landline) and employment (landline)

Negative Findings:

• No court case filed against the applicant, spouse, or business entity (if self-employed) for the past 10 years
• No negative findings with current or past creditors as per BAP-CB negative file list, or if with findings, able to satisfy acceptable criteria

Income: Gross Annual Income (Monthly Basic Income + 13th Month Pay): minimum of PHP 260,000 (borrower only)

 

Employment Tenure:

• Permanent or regular employee; at least two (2) years employed with present employer and previous employer (as of application date)
• If business owner: Business must have been operating profitability for the past two (2) years (as of application date)
• If professional: At least one (1) year practicing profession (as of application date)

 High Risk Jobs: OFW/ Sea farers, commission based, casual employees, lawyers, politicians, judges and media

 

If you are qualified, follow the simple step by step procedures:

ONLINE APPLICATION PROCEDURES:

STEP 1

Text BOC APPLI _Complete Name / Email Address send to 0927-917-0077

We will send you Bank of Commerce Personal Loan Application Form and Loan Details.

Please make sure you complete all information, if not applicable put N/A. Only complete information and document will be process.

STEP 2

SCAN & EMAIL your documentary requirements listed below to loans.management@gmail.com 

STEP 3

Please inform us immediately after you successfully submitted online application form and your documentary requirements.

Contact Details:

Telephone Number:(02) 218-9363

Mobile Number:         0927-917-0077

Email Address:         loans.management@gmail.com

 

For Employed:

• Completely filled-up and signed application form     
• Certificate of Employment (COE) indicating employment status, position, length of service and gross monthly income
• Latest 1 month payslip (To attain higher loan amount, If you have monthly bonuses, allowances and incentives: Submit 3 months payslip)
• Clear copy of latest Income Tax Return (ITR 2316) 2011 with complete signatures of employee and employer at item 56,57,58,59
• Clear copy of 2 government issued ID’s (Ex.SSS ID, Driver’s License, PRC ID, TIN ID, Passport)
• Company ID (front & back side)
• 3 specimen signatures
• Proof of residence under client’s name, spouse or parents (Ex. water, cable, electric, cellphone bill) - payment must be updated
• Latest credit card billing statement (no late payment or over limit charge) or personal loan contract(OPTIONAL)

For Self-Employed

• Latest Income Tax Return  (ITR 1701) 2010 and 2011
• Latest Audited Financial Statement (AFS) 2010 and 2011
• Latest 6 months bank statement
• Clear copy of 2 government issued ID’s (Ex.SSS ID, Driver’s License, PRC ID, TIN ID, Passport)
• 3 specimen signatures
• Business Permits: DTI or SEC Registration, Mayor’s Permit Etc.
• Latest proof of residence under clients name, spouse or parents (Ex.water, cable, electric, cellphone bill) - payment must be updated
• Latest credit card billing statement with at least 30% available balance and of at least 50,000 credit limit and should be active for at least 1 year or personal loan contract (OPTIONAL)

NOTE:

• Subject to bank approval
• Other documents may be required from the application to process the loan
• Processing time:  3 to 5 working / banking days upon submission of all documents (Subject to      bank processing time, credit investigation & procedures)
• No fees shall be collected before and during the application process.
• Processing fee is deductible on your loan proceeds.
• If your loan has been approved you will received  a text message or a call from the bank or from us confirming your loan      approval and instructions to get your loan. We will inform you about your application status or you may choose to call bank CSR Hotline.
• Claim your approved loan directly on the bank. To claim your approved loan, present your original documents and PDC's and sign loan contract.

If you lack one of the required documents, please let us know. Thank you! 

Please Indicate the Bank/Banks You Want To Apply:

If you are CREDIT CARD HOLDER you can apply to all banks.

Please speak with our Loan Consultant for more details.

 FOR INQUIRIES:

 Please Text/Call/E-mail:

 Alvin Madrigal 

Operations Manager
Loans Management 

Landline No.:             (02) 218-9363

Globe Mobile No.:     0927-917-0077

Smart Mobile No.:     0999-190-4981

SunCell Mobile No.:  0922-450-0599

Email Address: loans.management@gmail.com

To apply online, visit our website: www.loansmanagement.webs.com