chinatrust slide presentation2

Get Chinatrust Salary Stretch, the all-purpose, no-

collateral personal loan that comes with flexible

terms of 12, 18, 24, and 36 months, at very

competitive rates. This is offered to salaried

individuals and professionals who are

regular employees of their respective companies.

NEED CASH FAST?

WELCOME TO

THIS LOAN PROGRAM FEATURES:

NO COLLATERAL

SALARY-BASED LOAN

OPEN TO EMPLOYEES

NO CO-MAKER REQUIRED

REPAYMENT MODE ( Equal monthly installment through Post Dated Checks)

No Pre-termination charges

Minimum Loan of 20,000 Php up to1 MILLION

Must be employed for at least one (1) yearTwo (2) years if call center agent

Must have a basic salary of 15,00 Php if working within Metro Manila, Rizal and Cavite

10,000 Php if working within Laguna, Pampanga, Bataan,

Batangas,Subic,Olongapo,Tarlac,Cebu and Davao

Note: if BASIC SALARY is below minimum ALLOWANCE is accepted as proof of income, just submit 3 months consecutive pay slip to

ESTABLISHED that allowance is regular. Filipino citizen and residents

Age requirement:23 up to 60 years old (before the maturity of

loan)

Should have landline office or residence

No adverse credit findings (CMAP,NFIS,CIBI)

WHO ARE QUALIFIED

GROSS MONTHLY INCOME REQUIREMENT

INCLUDES:

Basic PayRegular Allowances

TransportationFood AllowanceCOLA, PERA,

Production Pay

ALSO INCLUDES :

BonusesOvertime Pay

Overtime Related Allowances

( Provide 3 Months Pay slip)

15,000 Php

10,000 Php

if working within Metro Manila, Rizal and Caviteif working within Laguna, Pampanga, Bataan, Batangas,Subic,Olongapo,Tarlac,Cebu and Davao

Must be working and residing in

METRO MANILA

RIZALAntipolo, Cainta, Taytay, Angono, San Mateo,Binangonnan,Montalban, Rodriguez

BULACANMeycuayan, Marilao,Bocaue, Malolos, Balagtas, San Jose del Monte,Sta . Maria,Guiguinto,, Obando, Plaridel, Hagonoy, Bulacan, CalumpitCAVITEBacoor, Carmona, Cavite,Dasmarinas, Imus, Kawit Naic, Noveleta, Rosario, Tagaytay, Trece Martires City (Capital) Gen. Trias, and Silang

LAGUNABinan, Cabuyao, Calamba, Los Banos, San Pablo, San Pedro, and Sta. Rosa

Must be working and residing in

BATAANBalanga, Mariveles, Dinalupihan, Hermosa, Orani, Abucay, Orion, and Limay

BATANGASBatangas City, Lipa City, Malvar, Tanuan, Sto. Tomas

PAMPANGASan Fernando, Angeles,Mabalacat, Dau, Porac, Apalit, Bacolor, Guagua, Mexico, Magalang, Sta Rita, San Simon, Lubao, Sta, Ana, Sexmoan

ZAMBALESSubic, Olongapo,San Marcelino, Castillejos

TARLACBamban, Tarlac City, Capas, Gerona

iMust be working and residing in

DAVAO CITYDavao City, tagum, Dgos Davao del Sur, Panabo, Sta Cruz, Davao del SurToril

CEBU CITYCebu City, Mandaue City, Lapu-Lapu City, Talisay City, Consolacion, Lilo-an, Compostela, Danao City, Naga, San Fernando, Carcar, Guadalupe, Busay (Cebu Plaza and GMA Complex)

NEGATIVE JOBS : OFW Gaming Industry,Casinos Law firm employees Legal/ Judiciary Staff Politicians Construction / Mining Companies Military, Police, Armed Forces

Officials Media Personalities and Entertainers Travel Agencies Garment Industries Public School Teachers Government Employees

Accomplished Chinatrust Application Form

Photocopy of Company ID (front and back with 3 specimen signatures)

One (1) month latest pay slip

ITR 2316 with complete employee & employer signatures (ITR waived for TOP 2000 corporation employees)

Certificate of Employment 60/30 days (for call centers / BPO and selected Companies only)

Other requirements are optional or maybe requested.

DOCUMENTARY REQUIREMENTS FOR

EMPLOYED

CERTIFICATE OF EMPLOYMENT REQUIRED AS OF MAY 2009

ABS-CBNACCENTURE (30 DAYS VALIDITY

PAYSLIP AND COE)AIGALL CALL CENTERSALL EMBASSYAMKOR TECHNOLOGYAMWAYARELLANO UNIVERSITY(need

authorizaton letter)Asian development bank (ADB)ASTECATENEOCEUCHINESE GENERAL HOSPITALCITIBANK NACITIBANK SAVINGCITIFINANCIALCOCA COLA FAR EAST LTDCOLGATE-PALMOLIVEDELA SALLE UNIVERSITY (All

Branches)DUTY FREEFINANCIAL TIMES

GLOBEGMAGREEN CROSS

INCORPORATEDHEWLETT PACKARDHITACHI GLOBAL STORAGEHONDA CARS PHILS- LAGUNAHSBC – Company PolicyIBC 13IBM AND ALL SUBSIDIARIESINTELINTER PHIL LABKIMBERLY CLARKKRAFT PHILSLANDBANK OF THE

PHILIPPINESLAWSON PSSC INC.LYCEUMMERCURY DRUGMITSUBISHIMONDE-NISSINNAMRIA

CERTIFICATE OF EMPLOYMENT REQUIRED AS OF MAY 2009

NESTLE PHILIPPINESNXP SEMI CONDUCTOR PHILIPPINESORACLE PHILS INC. – Company PolicyOur Lady of LourdesPag Ibig FundPfizerPGHPHIL. HEALTH INSURANCEPHILIPPINE PIZZA INC. (Pizza Hut)PhiltecPLATINUM PLANSPLDTPRUDENTIAL GUARANTEE LIFEROHM ( all affiliates)SCANASIA OVERSEAS INC.SM and all subsidiariesSMARTSSSSHELL SHARED SERVICESTOLLWAYS MANAGEMENTUCPB GENERAL INSURANCEUNILABUNILEVERUNIVERSITY OF THE PHILIPPINES

( Company Policy)YAKULT MARKETING CORPORATION –

fabricated payslip

YAZAKI TORRES MANUFACTURING INC.RUSTAN MARKETINGS and all affiliatesNATIONAL KIDNEY INSTITUTEACP TEST CO INC- 1277BEBE CALIFORNIE IND. INC 2032CITY AND LAND DEVT CORPCOAST MANILA BAY INC- 584DIGITEL MOBILE PHILS INCEMERSON ELCTRIC ASIA LTDFAR EASTERN UNIVERSITYGO FLUENT PHILSINTEGRATED MICROELECTRONICS INCMARIST COLLEGE INCMEGA PUBLISHING GROUPNEW ERA UNIVERSITYPHIL AXA LIFEPHILIPPINE CHILDRENS MEDICAL

CENTERSAFEWAY PHILTEC INCSAN BEDA COLLEGEST. SCHOLASTICAS COLLEGE

WESTGROVESTORES SPECIALIST INCTREND MICRO INCTUMMY BLISS INC

As low as1.39%

Monthly

INTEREST RATE1.39%- 12 MONTHS1.49%- 18 MONTHS

1.59% - 24 to 36 MONTHS ABOVE INTEREST RATES… applies for

loan amount 50k above…

For loan amount below 50k1.79% for employees of top

7,000 corp1.89% for employees of non-top

7,000 corp

Loan Monthly Payments

Amount

In Pesos 12 months 18 months 24 months 36 months

30,000 2,917 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 46,053.330 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

Note: These are indicative figures. Actual amount may vary.

SAMPLE COMPUTATIONS

Basic Salary : P15,000Less Deductions(income tax,sss,etch..): P 4,000Net take Home Pay : P11,000I/I Ratio : x20% _______ P 2,200

Maximum Loanable Amount : P50,000 for 36 months

Processing Fee Metro Manila Provincial

P1500 Below 30,000 Below 30,000

P2000 30,000 – 49,000 30,000 – 39,000

P1000 50,000 – 1 million

40,000 – 1 million

MISCELLANEOUS FEE( Deducted from Loan proceeds)

Approved Loans Above P250,000 will be subject to Documentary Stamp

Documentary Stamp = P1.00 / P200.00

IMPORTANT!!!

ONLY COMPLETELY FILLED OUT APPLICATION FORM AND WITH COMPLETE DOCUMENTS

ARE ACCEPTED AND PROCESSED

STEP BY STEP PROCEDURE

OF APPLICATION

STEP

1

Completely filled out the APPLICATION FORM

( The form can get from Agent, or through photocopy,download and print)

\\\\ Use black ink and complete all fields. If a field is not applicable, please write ‘N.A.’ Fax to _______________________________ L O A N D E T A I L S

Desired Loan Amount (Subject to Bank’s approval) Desired Loan Term

12 months 18 months 24 months 36 months Purpose of Loan

Appliance Hospitalization

Education Balance Transfer

Personal Consumption

P E R S O N A L I N F O R M A T I O N Existing Loan Customer? Yes No

First Name Middle Name Last Name

Other Name (Alias) Ttile Mr. Mrs. Ms.

Sex Male Female Date of Birth (dd/mm/yyyy) Marital Status Single Married Widowed Separated No Spouse Name Spouse Working? Yes No

No. of Children No. of Dependents

Mother’s First Name Mother’s Middle Name Mother’s Last Name Middle Name Last Name

Philippine Resident? Yes No Nationality Educational Attainment High School College Graduate Others College Level Post Graduate ____________ SSS No. TIN No.

Residence Type Owned (Not Mortgaged) Owned (Mortgaged) Amortization/Month P_____________ Rented Rent/Month P____________

Used Free/Staying with Relatives Others ____________________________________________

Current Home Address

Lot/Blk. No. House/Unit No. Floor No./Building Name Subd./Compound Name

Street City/Province Zip Code Residence Contact Number Area Code Phone 1 Phone 2

Mobile Fax Email

Previous Home Address


Street City/Province Zip Code Yrs./Months at Present Address

Yrs. Mos. Yrs./Months at Previous Address

Yrs. Mos.

Provincial Home Address


Street City/Province Zip Code Provincial Contact Number Area Code Phone 1 Phone 2

Mobile Fax Email

W O R K A N D F I N A N C E S Present Employment

Permanent? Yes No Part Owner? Yes No

Company Type Private Government Others __________________

Nature of Business Position Rank

Employer/Business Name Employer’s Address


Street City/Province Zip Code Office Contact Number Area Code Phone 1 Phone 2

Mobile Fax Email

Previous Employment Employer/Business Name Previous Employer’s Address


Street City/Province Zip Code Office Contact Number Area Code Phone 1 Phone 2

PLEASE MAKE SURE THAT THE FOLLOWING FIELDS ARE NOT LEFT

BLANKS:

C o m p l e t e H o m e A d d r e s s / O f f i c e A d d r e s s

L e n g t h O f S t a y I n H o m e A d d r e s s

D e s i g n a t i o n

L e n g t h O f S t a y I n P r e s e n t O r P r e v i o u s E m p l o y e r

C h a r a c t e r R e f e r e n c e s

E d u c a t i o n a l A t t a i n m e n t

N o . O f D e p e n d e n t s

C r e d i t C a r d ( I f A n y ) W i t h C r e d i t L i m i t

STEP

2

EMAIL your application form together with other requirements such as Company ID, ITR, COE(if

required) and payslip @

[email protected]

FAX @ (02) 9613162or send via express mail

ROWENA GERALDEZNo. 440 Malaria 1 Tala Caloocan City

AS SOON AS I RECEIVED ALL DOCUMENTS

APPLICATION WILL BE PROCESS

STEP

3

If application received before 10:00 A.M. During banking days

It will considered as DAY 1

PROCESSING TIME….

CUT OFF TIME : 10:00 AM

PROCESSING TIME….

DAY 1

DAY 2

DAY 3

DAY 4

TOP 7000 COMPANIES

48 HOURS RESULT RELEASED

NON TOP 7000

4 DAYS RESULT RELEASED

AS SOON AS THE APPLICATION ARE APPROVED

YOU WILL NOTIFY BY CHINATRUST THROUGH YOUR CONTACT

NUMBERS OR ADDRESS

STEP

4

RELEASED OF LOAN PROCEEDS

Client must personally must personally go to the Personal Loans Center to sign Promisory Note & Disclosure Statement.Client submit Post dated Checks( If client has no Checking Account,Chinatrust allows the approved client to open a current Account under Chinatrust (Opening and maintaining balance is waived for Chinatrust Account.

CLIENT WILL CHOOSE FROM THESE OPTIONS:

Cash card (for Loans below 200,000 Php)Credit to their Account (with Chinatrust or any other bank)Managers’s Check

STEP

5


PERSONAL LOANS CENTER : 11/F Lepanto Building, Paseo de

Roxas Makati City

BANKING HOURS:

9: 00 AM – 7:00 PM (Weekdays) 9:00 AM – 5:00 PM (Saturday)


PERSONAL LOANS CENTER :(FOR PROVINCIAL CLIENT)

PAMPANGA: 2ND/F JEV BLDG, Mac arthur Highway Balibago, Angeles City

CEBU: No 79 Tokyu Bldg, Magallanes St. Cebu City

DAVAO : G/F Brightstone Bldg, monteverde Ave, cor Gempasaw st. Davao city

BANKING HOURS:Weekdays: 9:00 AM – 6:00PM

12 weeks of CHRISTMASAll prospective clients

(EMPLOYEE) availing a minimum loan amount of

50,000 up @ 24 or 36 mos. term will have a chance to win a brand new HP MINI

LAPTOP, SCOOTER, SAMSUNG 32” LCD TV,

NOKIA N86 CELLPHONE every week for 12 weeks.

EXISTING PROMO!!!

This loan Program is also open to the following:

(TEST PROGRAM ONLY)SELF EMPLOYED(Open to all Sole –

Proprietors who are within existing coverage area

nationwide)

PROFESSIONALS(DOCTORS, NURSES, ENGINEERS,

ARCHITECTS, ACCOUNTANTS, DESIGNERS, REALTORS, DENTIST

CORPORATION( PART OWNER/FAMILY

OWNED BUSINESS)

QUALIFICATIONS DOCUMENTREQUIREMENTS

It is open to all sole-proprietor who are within our existing coverage area nationwide

Age must be 25 to 60 years old ( upon maturity of loan)

Business must be at least three (3 ) years in operation

Must have a credit card for at least one(1) year

Credit Card account must be in good standing in the last two(2) months (Outstanding balance must be within 90% of utilization and no past due)


Copy of UNEXPIRED DTI Certificate of Registration

Copy of at least six (6) months bank statements

Copy of latest full year ITR

Copy of latest two (2) months Credit Card Statement of Account

Copy of face of Credit Card

Copy of at least one (1) Government ID with photo

Must have a Landline

FFORSELF EMPLOYED LOAN AMOUNT

Minimum of P20,000Maximum of P300,000

QUALIFICATIONS DOCUMENTREQUIREMENTS

Age must be 25 to 60 years old ( upon maturity of loan)

Must be a practicing professionals for at least three (3 ) years

Must have a credit card for at least one(1) year

Credit Card account must be in good standing in the last two(2) months (Outstanding balance must be within 90% of utilization and no past due)


Copy of UNEXPIRED PRC ID

Copy of latest 6 months bank statements

Copy of latest full year ITR

Copy of latest two (2) months Credit Card Statement of Account

Copy of face Of Credit Card

Copy of at least one (1) Government ID with photo

Must have a Landline

PROFESSIONALS(Doctors, Nurses, Engineers,

Architects, RealtorsAccountants, Designers,Dentist)

LOAN AMOUNTMinimum of P20,000

Maximum of P300,000

INTEREST RATEStarts @1.39%

Monthly

TEST PROGRAM FOR SELF EMPLOYED AND PROFESSIOALS

Loan Amount:

Minimum: 20,000 PhpMaximum : 300,000 Php

Loan Amount

12 18 24 36

50,000 – 300,000

1.39%

1.49% 1.59% 1.59%

49,000 BELOW

1.79%

1.79% 1.79% 1.79%

Processing Fee Loan Amount

Metro Manila

Loan Amount

ProvincialP1500 Below 30,000 Below 30,000

P2000 30,000 – 49,000 30,000 – 39,000

P1500 50,000 – 300,000

40,000 – 300,000

MISCELLANEOUS FEE( Deducted from Loan proceeds)

Approved Loans Above P250,000 will be subject to Documentary Stamp

Documentary Stamp = P1.00 / P200.00

Existing promo!!!

12 WEEKS OF CHRISTMAS

Loan Amount:

Minimum: 20,000 PhpMaximum : 300,000 Php

Should you be interested and/or need further assistance, please feel free

to call us thru

TELEPHONE NUMBERS :

(02) 961-3162 (Telefax)(02) 994-8422 (Mobile Landline)

MOBILE NUMBER

09215833710

EMAIL:

[email protected] Messenger: weng_geraldez

mailto:[email protected]

Rest assured all applications will be treated highly

confidential

Thank you and we look forward on hearing you in

this matter