1. Permanent Employee for at least 1 year
2. A regular career employee, in the case of government agency
3. Have no pending administrative case filed against him/her
4. Have no pending application for retirement or not due for retirement within the term of the loan
5. Must have a Monthly Net -Take Home Pay of at least P 6,000

FOR MARKETED SALARIED INDIVIDUAL

1. Must be a Filipino Citizen or in case of foreigners, must be residing in the Philippines for more than two (2) years
2. At least 21 years old at the time of application but not more than 60 years old at loan maturity
3. Monthly Net-Take Home Pay of at least P 8,000. Amount should also be net of amortizations on existing loans if any which are not yet deducted from the monthly salary
4. Must have permanent residence or business address
5. A regular/permanent employee with the present employer for at least 1 year
6. No adverse findings in CMAP / NFIS with the past two (2) years.

*Company/Government Agency Limit
 
A maximum aggregate loan amount limit shall be determined for every accredited company / government agency

• Issuance of a Manager’s Check; or
• Credit to the borrower’s deposit account with PNB; or
• Issuance of a Debit Card, when applicable

• Amortization payments shall be deducted from the salary and remitted to the bank

FOR MARKETED SALARIED INDIVIDUAL

• Post dated checks (PDCs)
• Auto Debit vs. PNB account

1. Processing Fee – P1,500.00
2. Doc stamps P1 for every P200 or a fraction thereof of the approved loan amount (applicable only on approved loans amounting to P250,000 and above )
3. Cost of Debit Card, when applicable

1. Fully accomplished and signed application form
2. Authenticated photocopy of company ID with picture
3. Original Certificate of Employment or current month pay slip
4. Copy of latest BIR for 2316 (W2) or ITR with BIR stamped

FOR MARKETED SALARIED INDIVIDUAL

1. Fully accomplished Application Form
2. Copy of latest BIR Form 2316 (W2) or ITR with BIR stamped
3. Photocopy of two valid government issued IDs; applicant to affix his three (3) specimen signatures on the photocopy
4. Original Certificate of Employment with compensation or photocopy of 1 month’s pay slip issued within three (3) months