Citystate Centre Building, 709 Shaw Boulevard, Brgy. Oranbo, 1600 Pasig City, Philippines
Trunk Line: (63) (2) 470-3333 |

Loan Facilities

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Citsystate Savings Bank offers various loan packages with LOW interest rates. We assure our customers fast processing time by our professional and qualified loan specialists. We work closely with you in choosing the proper financing package suitable to your individual needs and circumstances we want to make borrowing, quick and easy on your budget.

PERSONAL LOAN

  • Employees of companies that belongs to Top 10,000 corporations in the Philippines.
  • Permanent employment status with a minimum of two (2) years tenure from the date of permanency

 

TERM OF LOAN

Minimum term : 12 months
Maximum term : 36 months

 

LOANABLE AMOUNT

Minimum of P20,000 / Max of P1.0M

COMMERCIAL / BUSINESS LOAN

Businesses need the opportunity to grow and Citystate Savings Bank offer loan packages suitable to your every need. Whether you need additional working capital or have seasonal cash requirements, our business loans provide the kind of payment terms and flexibility you are looking for.

Features and Benefits

  • Flexible terms depending on your requirements
  • High appraisal value of collaterals
  • Fast processing time
  • Low interest rates
  • Flexible and convenient payment terms
  • Automatic debit options

Check Documentary and Collateral Requirements

  • Extended to corporate or small and medium enterprises for working capital or other business requirements.
  • Must be secured by acceptable collateral (Real Estate Property/ies)
  • Loan terms vary depending on the borrower’s financial requirements – Credit Lines (short term) or Term Loans (medium term loans).

JEWELRY BANKING FACILITY

Loan using your precious jewelries and pay with the lowest rate at 2% per month in most flexible terms. Use the money exchanged with your jewelry to pay for credit card balances, personal loans, tuition or immediate house repairs.

Exchange your diamonds, gold, and other precious stones and metals for CASH.

Features and Benefits

  • Ready cash in minutes upon inspection of our trained jewelry appraisers
  • Flexible terms up to 12 months
  • No guarantor needed
  • High appraisal of your jewelry
  • Transactions are private and confidential
  • Your jewelry protected by our bank’s security system
  • With an unlimited option for renewals

Requirements

  • 1 valid ID
  • Proof of income or other source of income documents

HOUSING LOAN

  • Acquisition of real estate property for residential purposes, i.e., purchase of lot or house and lot or for house construction, expansion or improvement
  • Refinancing of similar loans and mortgages – REM take out from other banks or financing companies

 

TERM OF LOAN

Purpose

Maximum Term of Loan

Purchase of lot

10 years

House Construction

Up to 20 years

Purchase of house and lot

30 years

Loan take-out

Remaining term of loan

 

LOANABLE AMOUNT

Minimum of Php500,000.00
Maximum:
80% of the contract price (developer)
70% of the appraised value (direct)

 

ACCREDITED DEVELOPERS

To date, the Bank has accredited the following developers for the End-User Financing Program:

  • El Reyno Homes, Inc.
  • East Point
  • Carstel
  • Asia Prime

SALARY LOAN

Salary Loan for Bank Officers

  • Employees of accredited banks with a rank of First level Junior Officer and up
  • Permanent employment status with a minimum of two (2) years in the banking industry
  • LOANABLE AMOUNT – Maximum of 3x Gross Monthly Salary
  • TERM OF LOAN
    • Minimum term: 12 months
    • Maximum term: 36 months

 

Salary Loan Via Company Accreditation

  • LOANABLE AMOUNT – Maximum of 3x Gross Monthly Salary
  • TERM OF LOAN
    • Minimum term: 12 months
    • Maximum term: 36 months

 

Personal Salary Loan​

  • LOANABLE AMOUNT – Maximum of 3x Gross Monthly Salary
  • TERM OF LOAN
    • Minimum term: 12 months
    • Maximum term: 36 months

 

Salary Loan for Employees of Affiliated Companies

  • LOANABLE AMOUNT – Maximum of 3x Gross Monthly Salary
  • TERM OF LOAN
    • Minimum term: 12 months
    • Maximum term: 36 months

LOANS SECURED BY DEPOSIT (Back to Back Loan)

This is a multipurpose short term loan in Citystate Savings Bank granted to borrowers with existing deposits/placements Citystate Savings Bank, which is used as collateral for personal or business loan purposes.

  • Any Depositor of the Bank who is willing to offer his/her deposits/placements as collateral for the loan applied for
  • Amount of loan shall have a maximum loanable value of  85% of the deposit used as collateral

BILLS PURCHASED

Immediate credit of checks for local or regional clearing deposited to borrower’s account with the bank. The proceeds become readily available without having to wait for the prescribed normal clearing period for local or regional clearing.

Features and Benefits

  • Instant credit of checks to the depositors account.