Enterprise Bank in the Philippines

Enterprise Bank has been pursuing its mission to serve clients especially in the rural areas for the past 40 years. Most of the bank’s branches and other offices, ATMs and its Head Office, are located in rural areas where access to banking services is needed most. Through its Enterprise Lending, the bank also supports growing […]

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Enterprise Bank https://upfinance.com/app/uploads/2019/12/ebi_logo_l.png
National Highway, Poblacion, Lianga, Surigao Del Sur 8307
(082) 225-8892 Fax: (082) 300-6131, customercentral@enterprisebank.ph
Interest rate 1.2% - 3%
Loan tenure from 2 to 36 months
Approval duration Up to 72 hours
Min. monthly income

Head Office

National Highway, Poblacion, Lianga, Surigao Del Sur 8307

Product Features

Min. financing amount ₱ 10000
Max.financing amount ₱ 5000000
Min. loan tenure 2 months
Max. loan tenure 36 months

Credit

Housing loan

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Interest rates: From 0.99% per month
Minimum loan amount: 500 000 PHP
Maximum loan amount: Up to 80% of assessed value
Payment terms: Up to 10 years
Approval time: 5- 21 banking days

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Salary loan

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Interest Rates:  From 1.2% per month
Minimum loan amount: 10 000 PHP
Maximum loan amount: Up to 700 000 PHP
Payment terms: Up to to 36 months
Approval time: 1 – 4 banking days

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Loan Calculator

%
Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
Total
₱ 10661.85

Borrower requirements

Eligibility:
– At least 21 years old at the time of application but not more than 65 years old upon loan maturity
Сitizenship:
– Must be a Filipino Citizen
– Must have an office or residence landline
If Employed:
– Minimum gross monthly income for Metro Manila – 15 000 PHP
– For outside Metro Manila – 12 000 PHP
If Self-employed:
– With at least two (2) continuous years of profitable operations in the same line of business
– Minimum gross monthly income for Metro Manila – 30 000 PHP
– For outside Metro Manila – 25 000 PHP

Business loan

Enterprise Loans
Small Business Loan
Enterprising Business Loan
Loans againsts ADB on Deposit

Small business loan

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Interest Rates: From 1.8% per month
Minimum loan amount: 50 000 PHP
Maximum loan amount: 1 000 000 PHP
Payment terms: From 2 to 18 months
Approval time: 5 banking days

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Enterprising business loan

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Interest Rates:  From 1.7% per month
Minimum loan amount: 1 000 000 PHP
Maximum loan amount: 5 000 000 PHP
Payment terms: From 2 to 36 months
Approval time: 5 banking days

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Eligibility requirements

Eligibility: 
Duly registered to operate as a business in the Philippines;
Must have been operating for at least 3 years, and profitable for the latest 1 year;
Must have no outstanding debt that exceeds 40% the company’s monthly income;
Each franchise loan must be tied to the business’ primary owner; for partnerships/corporations, this means:
Owner with simple majority (individual with the single largest stake in the company) must provide details and sign off on the loan application form, and ultimately be the signatory in the surety agreement prior to loan booking
If simple majority is shared across multiple owners, only (1) of them is required to sign off on the loan

Deposited

Super Checking Account

Individual
– P5,000 Initial Deposit
– with Free Passbook and ATM

Regular Savings

Individual
– P200 Initial Deposit
– 0.1% Interest p.a.
– With EMV ATM card

Regular Checking

Individual
– P3,500 Initial Deposit
– with ATM free of charge

Regular Savings

Corporate
– P2,000 Initial Deposit
– 0.1% Interest p.a.
– With EMV ATM card

Regular Checking

Corporate
P10,000 Initial Deposit
with passbook option

Other Deposit Products

Time Deposit: P5,000 Minimum Deposit
Flexible Term, Variable Interest Rate
Long Term Deposit: P500,000 Minimum Deposit
5 years term, Tax-exempt

FAQ

The longest loan period is 10 years.

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Since this type of loan is associated with large amounts of money and a large volume of documents, the term for making a decision by the Bank depends on two stages of verification. First, the Bank will check your solvency, this stage takes no more than 5 working days on average. Then the Bank will need to check the documents for the land or property you are buying, as well as make an assessment of it.

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There is no single solution. If you need the lowest monthly payment, then take loan for the maximum possible period. If you are not sure that you will have a consistently high income, then take as little time as possible.

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Existing EBI clients.

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The maximum amount of a Salary is 700,000 PHP.

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The maximum loan amount depends on your income and loan term. According to Philippine law, paying a loan cannot exceed 30% of income.

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No, not required for collateral.

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Small businesses in the Philippines can be determined depending on the size of the assets, the amount of equity and the number of employees. Enterprises can also be determined depending on the number of employees. Small businesses employ between 10 and 99 workers.

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The maximum loan term is not more than 18 months.

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Contacts

Full company name Enterprise Bank
Address National Highway, Poblacion, Lianga, Surigao Del Sur 8307
Phone number (082) 225-8892 Fax: (082) 300-6131
E-mail customercentral@enterprisebank.ph
Social networks

Enterprise Bank has been pursuing its mission to serve clients especially in the rural areas for the past 40 years.
Most of the bank’s branches and other offices, ATMs and its Head Office, are located in rural areas where access to banking services is needed most.
Through its Enterprise Lending, the bank also supports growing entrepreneurs and enterprises.
From a single unit rural bank from the Municipality of Lianga, Surigao del Sur, the bank now operates in 10 provinces of Mindanao and in Cebu.
Aside from deposits and loans, Enterprise Bank also offers fee-based services such as remittance and bills payment.

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