Chinatrust Salary Stretch Personal Loan Assistance

FOR ONLINE APPLICATION PLEASE VISIT: www.loansmanagement.webs.com

Chinatrust Philippines Salary Stretch Loan:

• a personal loan
• no collateral, no guarantor loan
• fast cash loan
• all purpose loan
• nationwide coverage
• flexible term of payment
• low interest rate
• more releasing nearest branch

We offers:

• Online loan application assistance
• no appearance during process
• fax or email sending of requirements
• consultation to get higher loan approval

Chinatrust Philippines Personal Loan Basic Qualification:

• a Filipino citizen
• 23 to 60 yrs old(upon loan maturity)
• regular employee of 7k top top corporations or non top corporation( 5 years operation with 30 regular employees)
• basic rate of 15,000/mo(greater manila area) or 12,000/mo(provincial Area)
• 1 year in current job
• within serviceable perimeter area
• credit card is not required

Government Employees Qualification: 

• Working in SSS, GSIS, DBP, Philhealth and LDP.
• One (1) year in present government agency.
• With office telephone land line number and cell phone number.

Call Center Employees Qualification: 

• 26 to 58 yrs old(upon loan maturity)
• regular employee of top or non top corporations.
• Basic rate of Php25,000 per month and net salary of 15000 per month.
• at least 3 years in current company or one year in current company but total 3 yrs seamless experience

Personal Loan Basic Requirements: 
Clear and latest copy of the following documents...

• Completely filled up loan application form
• Company ID
• Any valid government-issued ID (PRC, Passport, Tin, etc...)
• Income tax return (ITR) W2 2316 yr. 2010
• 3specimen signatures
• Certificate of Employment (COE), indicates date issued, date hired, position,monthly compensations.
• 3 months payslip. Latest 1 month payslip is only for fixed income earner per payday.

Additional loan requirements for call center employee

• Meralco billing even not under your name if renting.
• 2 to 3 months payroll bank statement

Note: other documents may still be needed

What are the requirements to become eligible for a loan?

     You must be

          - currently employed with a regular status for at least one year
          - with a minimum gross monthly salary of P15,000.00
          - aged between 23 to 54 years old
          - with a home or office landline 

What documents are required?

          - duly accomplished application 
          - photocopy of your latest ITR/form 2316 
          - photocopy of your ID issued by your employer with photo and signature 
          - photocopy of 1 month latest payslip

Frequently Asked Questions:

How much can I borrow?

     You can borrow as much as twice your gross monthly compensation.

How much is the processing fee?

     The processing fee is P1,500.00, this will be deducted from your loan proceeds.

How do I issue payment?

     Payments will be made via issuance of post-dated checks for the duration of your loan, which may
     be from 12 to 36 months. If you do not have a checking account, we will facilitate opening one for
     you right before the release of your loan. Minimum deposit and maintaining balance is P2,000. You
     will need to present three valid IDs such as your SSS, TIN, Driver's License, POstal ID, NBI 
     clearance, and passport among others.

What to expect when getting your Chinatrust Salary Stretch Loan

1. Your approved salary loan will be released via the Chinatrust All-Day Access Contactless Card. You may also opt for other forms of loan disbursement:
   1. 1. Credit to your Chinatrust account
      2. Via Manager’s Check*
      3. Credit to your other Bank account*

* A fee of ?150.00 will be deducted from your loan proceeds when you choose (b) or (c).

2. Upon loan release, you will receive a Welcome Kit which includes your Chinatrust All-Day Access Contactless Card and your PIN mailer. Take note that your loan number is also printed on your card for easy reference.
3. If you are a non-cash card borrower, a Salary Stretch Loan Information Card will be issued to you, bearing all your loan details (i.e., borrower’s name, loan account number, due date, monthly amortization, maturity date).

 How and where to pay or fund your Chinatrust Salary Stretch Loan
(using either your All-Day Contactless Card or your Visa Debit & Cash Card)

LBC Express Outlets

1. Present your Chinatrust Cash Card or your Chinatrust Salary Stretch Information Card together with your cash payment to the LBC Customer Associate.
2. Keep a copy of your receipt for record purposes.

BancNet ATMs

1. Insert your BancNet ATM card and enter your Personal Identification Number (PIN).
2. Select your Account Type (Savings or Checking).
3. Select ‘Bills Payment’, then choose ‘Loans’.
4. From the selection menu, select ‘Chinatrust Salary Stretch’ as the biller/institution.
5. Key-in your 16-digit Chinatrust Cash Card Number and the loan amount to be paid.
6. Keep a copy of the receipt for record purposes.

BancNet Online (for Chinatrust Cash Card holders only)

1. Go to www.bancnetonline.com and select your bank of account.
2. Click ‘I Agree’ in the Terms and Conditions.
3. Select ‘Payment’.
4. Using the drop down menu, select ‘Chinatrust Salary Stretch’ as the biller/institution, then key-in your 16-digit Chinatrust Cash Card Number (4215 XXXX XXXX XXXX) in the Account Number field.
5. Enter your BancNet ATM card number, select the Account Type where the payment will be taken and key-in the loan amount to be paid.
6. Using your mouse, click on the PIN pad and enter your PIN. Then, click ‘Submit’.
7. Once you verified that all details are correct, click ‘Ok’.
8. Remember to keep your trace number for record purposes.

UnionBank Branches

1. Fill out the Bills Payment form with your name, either your 12-digit loan account number, Cash Card number or CASA Account Number, and the amount to be paid.
2. Present the Bills Payment form and payment to the teller and wait for validation.
3. Keep a copy of your receipt for record purposes.

Note: Payments coursed through UnionBank branches are posted on the next banking day.

Salary Stretch loan payments are also accepted in all Chinatrust branches nationwide.

Important Reminder:
Settle your loan payment three (3) working days before your due date.

Monthly Amortization

 

A.    FOR TOP 7,000 CORPORATION

Loan	1.39%	1.49%	1.59%	1.59%
Amount	12 mos	18 mos	24 mos	36 mos
30,000	2,917.00	2,113.67	1,727.00	1,310.33
50,000	4,861.67	3,522.78	2,878.33	2,183.89
100,000	9,723.33	7,045.56	5,756.67	4,367.78
150,000	14,585.00	10,568.33	8,635.00	6,551.67
200,000	19,446.67	14,091.11	11,513.33	8,735.56
250,000	24,308.33	17,613.89	14,391.67	10,919.44
300,000	29,170.00	21,136.67	17,270.00	13,103.33
350,000	34,031.67	24,659.44	20,148.33	15,287.22
400,000	38,893.33	28,182.22	23,026.67	17,471.11
450,000	43,755.00	31,705.00	25,905.00	19,655.00
500,000	48,616.67	35,227.78	28,783.33	21,838.89
600,000	58,340.00	42,273.33	34,540.00	26,206.67
700,000	68,063.33	49,318.89	40,296.67	30,574.44
800,000	77,786.67	56,364.44	46,053.33	34,942.22
900,000	87,510.00	63,410.00	51,810.00	39,310.00
1,000,000	97,233.33	70,455.56	57,566.67	43,677.78

B.  FOR NON-TOP CORPORATION

 

 

 

 

Loan	1.89%	1.89%	1.89%	1.89%
Amount	12 mos	18 mos	Basic rate of Php25,000 per month and net salary of 15000 per month. at least 3 years in current company or one year in current company but total 3 yrs seamless experience Personal Loan Basic Requirements:  Clear and latest copy of the following documents... Completely filled up loan application form Company ID Any valid government-issued ID (PRC, Passport, Tin, etc...) Income tax return (ITR) W2 2316 yr. 2010 3specimen signatures Certificate of Employment (COE), indicates date issued, date hired, position,monthly compensations. 3 months payslip. Latest 1 month payslip is only for fixed income earner per payday. Additional loan requirements for call center employee Meralco billing even not under your name if renting. 2 to 3 months payroll bank statement Note: other documents may still be needed What are the requirements to become eligible for a loan?      You must be           - currently employed with a regular status for at least one year           - with a minimum gross monthly salary of P15,000.00           - aged between 23 to 54 years old           - with a home or office landline  What documents are required?           - duly accomplished application            - photocopy of your latest ITR/form 2316            - photocopy of your ID issued by your employer with photo and signature            - photocopy of 1 month latest payslip Frequently Asked Questions: How much can I borrow?      You can borrow as much as twice your gross monthly compensation. How much is the processing fee?      The processing fee is P1,500.00, this will be deducted from yourloan proceeds. How do I issue payment?      Payments will be made via issuance of post-dated checks for the duration of your loan, which may      be from 12 to 36 months. If you do not have a checking account, we will facilitate opening one for      you right before the release of your loan. Minimum deposit and maintaining balance is P2,000. You      will need to present three valid IDs such as your SSS, TIN, Driver's License, POstal ID, NBI       clearance, and passport among others. What to expect when getting your Chinatrust Salary Stretch Loan Your approved salary loan will be released via the Chinatrust All-Day Access Contactless Card. You may also opt for other forms of loan disbursement: Credit to your Chinatrust account Via Manager’s Check* Credit to your other Bank account* * A fee of ?150.00 will be deducted from your loan proceeds when you choose (b) or (c). Upon loan release, you will receive a Welcome Kit which includes your Chinatrust All-Day Access Contactless Card and your PIN mailer. Take note that your loan number is also printed on your card for easy reference. If you are a non-cash card borrower, a Salary Stretch Loan Information Card will be issued to you, bearing all your loan details (i.e., borrower’s name, loan account number, due date, monthly amortization, maturity date).  How and where to pay or fund your Chinatrust Salary Stretch Loan (using either your All-Day Contactless Card or your Visa Debit & Cash Card) LBC Express Outlets Present your Chinatrust Cash Card or your Chinatrust Salary Stretch Information Card together with your cash payment to the LBC Customer Associate. Keep a copy of your receipt for record purposes. BancNet ATMs Insert your BancNet ATM card and enter your Personal Identification Number (PIN). Select your Account Type (Savings or Checking). Select ‘Bills Payment’, then choose ‘Loans’. From the selection menu, select ‘Chinatrust Salary Stretch’ as the biller/institution. Key-in your 16-digit Chinatrust Cash Card Number and the loanamount to be paid. Keep a copy of the receipt for record purposes. BancNet Online (for Chinatrust Cash Card holders only) Go to www.bancnetonline.com and select your bank of account. Click ‘I Agree’ in the Terms and Conditions. Select ‘Payment’. Using the drop down menu, select ‘Chinatrust Salary Stretch’ as the biller/institution, then key-in your 16-digit Chinatrust Cash Card Number (4215 XXXX XXXX XXXX) in the Account Number field. Enter your BancNet ATM card number, select the Account Type where the payment will be taken and key-in the loan amount to be paid. Using your mouse, click on the PIN pad and enter your PIN. Then, click ‘Submit’. Once you verified that all details are correct, click ‘Ok’. Remember to keep your trace number for record purposes. UnionBank Branches Fill out the Bills Payment form with your name, either your 12-digit loan account number, Cash Card number or CASA Account Number, and the amount to be paid. Present the Bills Payment form and payment to the teller and wait for validation. Keep a copy of your receipt for record purposes. Note: Payments coursed through UnionBank branches are posted on the next banking day. Salary Stretch loan payments are also accepted in all Chinatrust branches nationwide. Important Reminder: Settle your loan payment three (3) working days before your due date. Monthly Amortization   A.    FOR TOP 7,000 CORPORATION   Loan   1.39%   1.49%   1.59%   1.59%   Amount   12 mos   18 mos   24 mos   36 mos   30,000   2,917.00   2,113.67   1,727.00   1,310.33   50,000   4,861.67   3,522.78   2,878.33   2,183.89   100,000   9,723.33   7,045.56 5,756.67   4,367.78   150,000   14,585.00   10,568.33   8,635.00   6,551.67   200,000   19,446.67   14,091.11   11,513.33   8,735.56   250,000   24,308.33   17,613.89   14,391.67   10,919.44   300,000   29,170.00   21,136.67   17,270.00   13,103.33   350,000   34,031.67   24,659.44   20,148.33   15,287.22   400,000   38,893.33   28,182.22   23,026.67   17,471.11   450,000   43,755.00   31,705.00   25,905.00   19,655.00   500,000   48,616.67   35,227.78   28,7