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Gallerystvincent2022-09-15T07:56:55+00:00

St. Vincent Coop Activites

We are SVFP Multipurpose Cooperative. Our cooperative is duly registered with the Cooperative Development Authority (CDA), the regulatory agency of the Government of the Republic of the Philippines over matters concerning the development of the cooperatives in the country.

GET IN TOUCH

Odiongan Branch : CP – (0907)-101-9348
Odiongan Branch : Tel – (042) 256-5272

Romblon Branch : CP – (0946)-121-1042

Sibuyan Branch : CP – (0916)-671-2057

San Jose Office : CP – (0945)-875-8171

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MICRO Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but no more than 65 years old upon loan maturity
With reliable source of income either form employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity- Depends on the capacity to pay of the member
Loan Ceiling/Amount- Should not exceed P300K For macro-finance – maximum P300.000.00
Term of Loan – Maximum of 18 mos. Micro-6 mos
Repayment Schedule – Daily, Weekly, Bi-Monthly or Monthly

Interest- On Effective Rate
- Clean/Unsecured – 12%
- Secured – 10%
Service Fee/ Processing Fee – 4%/2%
CBU – 3%/1/5%
Penalty – 2% per month or 24% per annum
Notarial Fee – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

Educational Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but not more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI- Waiting Period if 1st Time: 1month
Borrowing Capacity – Up top 1000,000.00
Load Ceiling/Amount – Depends on the Capacity of the member-(Capacity Based)
Term of Loan – Maximum of one(1) year. Based on the school year of semester
Repayment Schedule – Daily, Bi-Monthly or Monthly

Interest
- On effective Rate
  - Clean Loan/Unsecured – 12%
Service Fee/ Processing Fee – 2%
Penalty – 2% per month or 24% per annum
Notarial – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

Gadget & Appliance Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but not more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity – Up top 1000,000.00
Load Ceiling/Amount – Depends on the Capacity of the member-(Capacity Based)
Term of Loan – Maximum of 24 Months Beloew 50k -18 mos
Repayment Schedule – Daily, Bi-Monthly or Monthly
20% Equity

Interest
- On effective Rate
  - Clean Loan/Unsecured – 10%
Service Fee/ Processing Fee – 2%
Penalty – 2% per month or 24% per annum
Notarial – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

Equity Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but not more than 65 years old upon loan maturity
MIGS and No adverse findings in CI/BI
Borrowing Capacity – Depends on the capacity
Load Ceiling/Amount – Up to 75% of the Share Capital
Term of Loan – Maximum of 1 year
Repayment Schedule – Daily, Bi-Monthly or Monthly

1. Interest
  - No interest
2. Service Fee/ Processing Fee – 4%
3. Penalty – 2% per month or 24% per annum

Hospitalization/ Emergency Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but not more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI -Waiting Period if 1st Time: 1month
Borrowing Capacity – Maximum of 1000,000.00
Load Ceiling/Amount – Depends on the Capacity of the member-(Capacity Based)
Term of Loan – Maximum of one (1) year. Based on the school year or semester
Repayment Schedule – Daily, Bi-Monthly or Monthly

Interest
- On effective Rate
  - Clean Loan/Unsecured – 12%
Service Fee/ Processing Fee – 2%
Penalty – 2% per month or 24% per annum
Notarial – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

LGU & Public/Private Employees Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but not more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity – Maximum of 300,000.00
Load Ceiling/Amount – Based on the capacity to pay of the member (Capacity Based)
Term of Loan – Maximum of 3 years
Repayment Schedule – Lump-sum but interest must be paid monthly

Interest
- On effective Rate
  - Salary Deduction – 15%
Service Fee/ Processing Fee – 4%/2%
Penalty – 2% per month or 24% per annum
Notarial – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

SVFPMPC Employees Loan

Terms & Conditions

Regular and Probationary/Contractual Employee
An Employee has a minimum Share Capital of P5,000.00
18 years old but no more than 60 years old upon loan maturity
For Regulation Employees- 80% of his/her Annual Basic Salary multiplied by the number of years served will be the maximum amount;
For Contractual and Probationary employees – 70% of the Monthly Basic Salary multiplied by the number of the contract months.
Salary Deduction on Bi-Monthly Basis

Interest
- On effective Rate
  - Salary Deduction – 8%
Service Fee/ Processing Fee – 1%
Penalty – 2% per month or 24% per annum
Loan Insurance Premium – CIMBS or CISP

Pension Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but no more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity- Maximum of P300,000.00
Loan Ceiling/Amount- Depends on the Capacity of the member – (Capacity Based)
Term of Loan – Maximum of 3 years
Repayment Schedule – Daily, Bi-Monthly or Monthly

Interest- Flate Rate
- Salary Deduction – 8%
Service Fee/ Processing Fee – 4%/2%
Penalty – 2% per month or 24% per annum
Notarial – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

Motorcycle Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but no more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity- Depends on the unit
Loan Ceiling/Amount- Cost of the unit less P5K down payment
Term of Loan – Maximum of 3 years
Repayment Schedule – Lump-sum but interest must be paid monthly
20% Equity

Interest- On Effective Rate
- Clean Loan/Unsecured – 15%
Service Fee/ Processing Fee – 2.5% (OTC)
Penalty – 2% per month or 24% per annum
Notarial Fee – Minimum of P50.00 (OTC)
Loan Insurance Premium – CIMBS or CISP (OTC)

For Chattel Mortgage and Encumbrance

Car Loan

Terms & Conditions

Regular Member with P20,000.00 and above Share Capital
18 years old but no more than 60 years old upon loan maturity
With reliable source of income either form employment and/or business/investment
MIGS and No adverse findings in CI/BI
Requires P20% equity
Borrowing Capacity- Depends on the capacity
Loan Ceiling/Amount- Depends on the unit less the 20% down payment or equity
Term of Loan – Maximum of 5 years
Repayment Schedule – Daily, Weekly, Bi-Monthly or Monthly
20% Equity

Interest- Diminishing based on Anniversary Balance
- Clean Loan/Unsecured – 15% (OTC)
Service Fee/ Processing Fee – 2.5%
Penalty – 2% per month or 24% per annum
Notarial Fee – Minimum of P50.00 (OTC)
Loan Insurance Premium – CIMBS or CISP (OTC)

For Chattel Mortgage and Encumbrance

Commodity Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but no more than 65 years old upon loan maturity
With reliable source of income either form employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity- Depends on the capacity of the member
Loan Ceiling/Amount- P5,000.00
Term of Loan – Maximum of 1 month
Repayment Schedule – Daily, Bi-Monthly or Monthly

Interest- Flat Rate
- Clean Loan/Unsecured – 10%
- Secured – 8%
Service Fee/ Processing Fee – 2%
Penalty – 2% per month or 24% per annum
Notarial Fee – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP (OTC)

MACRO Loan

Terms & Conditions

Regular Member with P20,000.00 and above Share Capital
18 years old but no more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity- Minimum of 300,000.00
Loan Ceiling/Amount- Based on the Capacity to pay of the member
Term of Loan – Maximum of two (2) years.
Repayment Schedule – Daily, Weekly, Bi-Monthly or Monthly

Interest- Diminishing based on Anniversary Balance
- Secured – 15%
Service Fee/ Processing Fee – 4%/2%
CBU – 3%/1/5%
Penalty – 2% per month or 24% per annum
Notarial Fee – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

AGRICULTURAL Loan

Terms & Conditions

Regular Member with P1,300.00 and above Share Capital
18 years old but no more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity- Not to exceed 10% of the Net Institutional Capital
Loan Ceiling/Amount- Based on the Capacity to pay of the member
Term of Loan – Maximum of one (1) year
Repayment Schedule – Daily, Weekly, Bi-Monthly or Monthly

Interest- On Effective Rate
- Interest – 8% for secured/clean – 10%
Service Fee/ Processing Fee – 4%/2%
Penalty – 2% per month or 24% per annum
Notarial Fee – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

BACK to BACK Loan

Terms & Conditions

Regular Member with P5,000.00 and above Share Capital
18 years old but no more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity- Up to 90% Deposit
Loan Ceiling/Amount- Based on the Capacity to pay of the member
Term of Loan – Maximum of five (5) years
Repayment Schedule – Daily, Weekly, Bi-Monthly or Monthly

Interest- On Effective Rate
- Spread of 5% plus the interest on deposit
Service Fee/ Processing Fee – 4%/2%
CBU – 3%/1/5%
Penalty – 2% per month or 24% per annum
Notarial Fee – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

Housing Loan

Terms & Conditions

Regular Member with P20,000.00 and above Share Capital
18 years old but no more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity- Not to exceed the Net Institutional Capital
Loan Ceiling/Amount- Depends on the Capacity of the member – (Capacity Based)
Term of Loan – (Long Term-High) Maximum of five (5) years – P500K and above
Long Term – (Med) – Max. of 3 years less than p500K
Short Term – Max. of 1 year
Repayment Schedule – Daily, Weekly, Bi-Monthly or Monthly

Interest- Annual Diminishing based on Anniversary Bonus
- Interest – 8%
Service Fee/ Processing Fee – 2%
Penalty – 2% per month or 24% per annum
Notarial Fee – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

OFW / Contractor Financing

Terms & Conditions

Regular Member with P20,000.00 and above Share Capital
18 years old but not more than 65 years old upon loan maturity
With reliable source of income either from employment and/or business/investment
MIGS and No adverse findings in CI/BI
Borrowing Capacity – Up top 10M
Load Ceiling/Amount – Based on the capacity to pay (Up to 10% of the Net Institutional Capital)
Term of Loan – Maximum of 3 Months
Repayment Schedule – Lump-sum but interest must be paid monthly

Interest
- On effective Rate
  - If Deposited in the Coop – 8%
  - If Deposited in the Bank – 15%
Service Fee/ Processing Fee – 4%/12%
Penalty – 2% per month
Notarial – Minimum of P50.00
Loan Insurance Premium – CIMBS or CISP

All charges must be paid in cash

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