Personal Loan

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[ “DOWNLOAD PERSONAL LOAN APPLICATION FORM HERE” ]

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First off, I would like to let you know that my services as your loan consultant is absolutely 100% FREE! For assisting loan borrowers and clients, I get compensated by my company so you don’t have to worry for any consultation fees or hidden charges to be deducted in you loan amount in any circumstance.

See / Ask if you qualify below!

A personal loan is now being offered today via the different banks in the Philippines. Also called as an unsecured loan, this type of credit application does not need any collateral upon application.

Used to be, this type of cash advance is not actually being offered by banks until a system was devised to cater to application from the working community in the Philippines. Bank loans used to be those that are either based from a collateral or those based from an existing account either via credit card or any other bank account for as long as you have money invested on them.

Call me to apply for Personal Loan – Sam Casuncad (loan consultant) (home office phone: 366 36 45) or (Sun Cellular No 0932 – 872 5532) or (Smart Cellular No 0939 – 9269335) / (Globe No 0917 – 5019245). You may also email me at samcasuncad.ofwcashloan@gmail.com.

Today, personal loans have also been recognized as a signature loan, for whatever reason, it is so. Unsecured, personal, signature, whichever you want or your agent / consultant want to call it, these types are primarily based on the borrower’s credit rating. The better credit rating you have, the better chances for approval and higher chance of getting approved for a higher loanable amount by banks. Yes, this time, it is the banks themselves that offer it so be ready as their new system has been devised to make it easier for you to apply for it. Although being based in a no-collateral lending system, this personal loan was made a bit difficult to apply for, qualify and get approved. Take note that one of the biggest factor for this type of loan is the borrower’s income, apart from the credit score he or she had. Banks do know how these (figures) are derived and where it is taken from.

Although hard as it is to come up and result to an approval, if you have their requirements, you will definitely have a high rate of approval. What’s good with this type of credit being an unsecured loan is that it is considered much cheaper and carries less risk to the borrower.

Good credit score however is measured from your previous money or debt transactions. For example, if you have a credit card and from the bank records it states that all your bills were duly paid on time or in advance and always in full, chances are, you can easily get qualified and approved of your personal loan application with just about any bank. Banks do have a database to look in to with respect to a person’s credit score so there is a no-fail check on it before you could pass on to be qualified or approved of a loan intent.

So let us proceed to the different bank loans I am offering. Again, take note in mind that this is not a collateral loan but if you have a credit card and you know you’ve duly paid all your credit transactions in that account, this could help you a lot in getting your application approved in no time.

Click on my list below to see details for each bank personal loan details

Personal Loans I Offer

• Chinatrust Salary Stretch Personal Loan
• Citi Savings Bank Personal Loan
• East West Bank Personal Loan
• Maybank Personal Loan
• Plantersbank Handy Credit Personal Loan
• Premiere Bank Personal Loan (Security Bank)
• PS Bank Money Card
• RCBC Saving Bank Personal Loan
• Standard Chartered EZ Loan and Credit Extra
• Sterling Bank of Asia Personal Loan
• Tong Yang Bank Personal Loan

Loan Features:

1. Open for application to all employed and self employed individuals
2. You can avail quick cash loan worth P30,000 to P2,000,000
3. Made ultra flexible with your choice of installment plans – 12, 18, 24, 30 or 36 month payment terms
4. Made available at very low monthly interest rate from1.2% to 1.75%
5. Fast application processing time (3 to 5 working/banking days)
6. No need for any collateral
7. No co-maker / guarantor
8. 3 easy payment options to choose from: by issuing post-dated-checks, auto-debit-arrangement or over-the-counter (Subject to bank terms and conditions)

Eligibility Issues (How To Qualify)

Employees of Top 10,000 Corporations / Companies

• Fixed-salaried individual working in the Philippines’ belongs to Top 10,000 Corporation
• At least 21 years old but not more than 65 years old
• A permanent employee with a length of service in current employer of at least 1 year
• Has a total gross monthly income of P15,000 for Metro Manila and P12,000 for Provincial Areas
• Must be existing credit card holder for at least 1 year or with existing personal loan in good credit standing (OPTIONAL)

Employees of Non-Top Corporations

• Must be 21 to 63 years old
• Must have total work experience of at least 3 years & more than 1 year in present company
• Basic monthly income of at least 20,000 if in Metro Manila and 15,000 if working outside Metro Manila
• Must be existing credit card holder for at least 1 year or with existing personal loan in good credit standing (REQUIRED for other Banks)

Self-Employed

• Must be 26 to 64 years old
• Must be at least 3 years in successful business operation
• Annual Income must be at least 400,000
• Profitable operation for the past 2 years (as per ITR & Audited financial Statement)
• With Business Registration / Documents
• With Bank Statement (average monthly deposit must be 50,000)
• Must be existing credit card holder for at least 1 year in good credit standing (without late payments / over limit charges for past the 3 months and don’t exceed 80% utilization of credit limit) or with existing personal loan in good credit standing (REQUIRED)

Employees of Call Center / BPO Companies

• Must be 26 years to 55 years old
• A permanent employee with a length of service in current employer of at least 2 years
• Supervisory or Managerial position and up position only
• Has a monthly basic income of P25,000
• Certificate of Employment indicating employment status, position, length of service and gross monthly income/annual income (REQUIRED)
• Better if existing Credit Card Holder for at least 1 year with GOOD Credit Standing (No late payments or over limit charges)

If you think you qualify based on the eligibility requirements stated above, please follow the list of simple step-by-step procedures for your application below.

Call me to apply for Personal Loan – Sam Casuncad (loan consultant) (home office phone: 366 36 45) or (Sun Cellular No 0932 – 872 5532) or (Smart Cellular No 0939 – 9269335) / (Globe No 0917 – 5019245). You may also email me at samcasuncad.ofwcashloan@gmail.com.

3-Step Loan Application Procedures

STEP 1 – Completely fill out and sign application form. You can download it HERE. Indicate preferred bank/banks where you want to apply for your personal loan such as Chinatrust, EastWest, Maybank, Plantersbank, Premiere, PS Bank, RCBC Savings, Security, Standard Chartered, Sterling & TongYang Bank. (Subject to bank minimum terms of acceptance)

Please make sure you complete all information, if not applicable put N/A. “Only complete information and documents submitted by borrower will be processed”.

STEP 2 – SCAN & EMAIL your documentary requirements listed below to samcasuncad.ofwcashloan@gmail.com.

STEP 3 – Inform me immediately (via text or phone call) (see my contact details) after you successfully submitted and / or emailed your online application form and your documentary requirements so processing can immediately proceed.

Requirements For Employed Applicant:

1. Completely filled-up and signed application form
2. Certificate of Employment (COE) indicating employment status, position, length of service and gross monthly income
3. Latest 1 month payslip (To attain higher loan amount, If you have monthly bonuses, allowances and incentives: Submit 3 months payslip)
4. Clear copy of latest Income Tax Return (ITR 2316) 2011 with complete signatures of employee and employer at item 56,57,58,59
5. Clear copy of 2 government issued ID’s (Ex.SSS ID, Driver’s License, PRC ID, TIN ID, Passport)
6. Company ID (front & back side)
7. 3 specimen signatures
8. Proof of residence under client’s name, spouse or parents (Ex. water, cable, electric, cellphone bill) – payment must be updated
9. Latest 2mons. credit card billing statement (no late payment or over limit charge) (OPTIONAL)

Requirements for Self-Employed Applicant:

1. Latest Income Tax Return (ITR 1701) 2010 and 2011
2. Latest Audited Financial Statement (AFS) 2010 and 2011
3. Latest 6 months bank statement
4. Clear copy of 2 government issued ID’s (Ex.SSS ID, Driver’s License, PRC ID, TIN ID, Passport)
5. 3 specimen signatures
6. Business Permits: DTI or SEC Registration, Mayor’s Permit Etc.
7. Latest proof of residence under clients name, spouse or parents (Ex.water, cable, electric, cellphone bill) – payment must be updated
8. Latest 2months 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

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 and/or initial eligibility qualifications, please let us know immediately. Our advise might help you with respect to other alternatives. Again, its free to consult with me, your personal loan consultant. Thank you and God bless.

Please Indicate the Bank/Banks You Want To Apply:

CREDIT CARD HOLDERS may and is qualified to apply to all banks

If you have or own a credit card, we may help you submit your application to all banks and whichever comes approved first, you can immediately choose based on your own judgement. Please do inform us if this is your case so we can help you faster.