Cure your payday blues and solve your short-term financial problems when you apply for a CTBC Bank Personal Loan. Borrow up to ₱1 million and pay in flexible 12, 18, 24, or 36 monthly installments. Plus, receive your loan proceeds in as fast as 3 banking days.
|Interest rate (p.a.)
16.67 - 16.67%
1 - 3 years
Up to 3-5 banking days
|Min. monthly income
|Min. financing amount||₱20,000.00|
|Max.financing amount||Up to ₱1,000,000.00|
|Min. loan tenure||1 year|
|Max. loan tenure||3 years|
|Interest rate||EIR ranges from 29.48% (12 months) up to 44.47% (36 months), 1.39% per month add-on|
|Approval duration||Within 3-5 banking days|
|One time set up|
|Stamp duty||₱1.00 for every ₱200.00 in excess of ₱250,000.00 of the loan amount|
|Disbursement & misc. fee||N/A|
|Early settlement||None, if you have informed the bank one month ahead|
|Late payment charges||5.00% p.a. on any balance outstanding.|
|Age requirement||Age 23 - 60|
|Employment eligibility||₱15,000 for Metro Manila-based applicants or ₱10,000 for provincial-based applicants|
|Min. salary requirement||₱15,000 gross per month|
|Guarantor / Collateral requirement||No|
|Need to open linked banked account?||No|
|Other details||Method of Payment - Unionbank branches, Bancnet channels, Chinatrust bank branches|
Chinatrust Philippines Commercial Banking Corporation or CTBC Bank (Philippines) Corp. is hailed as one of the largest privately-owned banks in Taiwan. With 25 years of operations in the Philippines, it has positioned itself as one with the most extensive branch network in the country among foreign-owned banks. Using a niche-based strategy, CTBC Bank was able to distinguish its services through a high level of customer focus and innovative products with high efficiency that are customized to the specific needs of the client. This offers a unique and personal touch in terms of its services that are aimed at building a strong relationship with private account holders and businesses alike. For immediate funding needs, a client can avail the Chinatrust Salary Stretch Personal Loan where amounts ranging from ₱20,000 up to ₱1,000,000 can be borrowed. This amount is payable within 12 to 36 months, having a competitive effective interest rate starting from 29.48% for 12 months, up to 44.47% for 36 months with 1.39% monthly add-on rate. The entire loan application process will take around 3 to 5 banking days and you are eligible to apply if you have at least ₱15,000 gross monthly income for Metro Manila residents and ₱10,000 for provincial applicants with 23 to 60 years of age.
Advantages Of Applying With Chinatrust Salary Stretch Personal Loan
Go through the rest of the product details and eligibility requirements to find out if this products fits your needs.
You can apply via their website or if you want help applying for this loan, you can apply conveniently through our online application form.
With a Chinatrust Personal Loan, borrow as much as ₱1,000,000, subject to approval.
This loan is a multipurpose loan. Borrower can use the loan for whatever purpose it may serve them.
Competitive rates, flexible payment terms, and convenient application process is what you can expect when you apply for CTBC Bank's Salary Stretch Personal Loan.
An applicant must fulfill Chinatrust’s eligibility criteria for a loan:
Consequently, after filling out an application form, the following documents are necessary:
Fully Employed applicants need:
Self-Employed applicants need:
*Additional documents may be required during credit evaluation.
You can pay your CTBC Salary Stretch Personal Loan through the following channels:
You can contact CTCB directly for account and payment concerns. You can to go the a branch near you or call them through the following:
Having a reliable and trustworthy financial services provider is of paramount importance not only for private individuals but most especially small to medium business owners, corporations, and other enterprises. These individuals and entities cannot afford to have disruptions on their daily operations due to mediocre services and customer support. One of the advantages of international banks is the level of performance that they are accustomed to, which is at par to their global counterparts. Availing a Chinatrust Salary Stretch Personal loan allows you to build a relationship with a reputable international brand, bringing along the technology and quality of service that will guarantee a smooth and hassle-free banking experience. If these are the aspects that you are looking forward to in terms of your financial transactions, then the Chinatrust Salary Stretch Personal Loan is the product for you.