Laguna Prestige Banking Corporation in the Philippines

Milestones June 4, 1961 – Rural Bank of Cabuyao, Inc., was incorporated. August 26, 1961 – Granted Certificate of Authority by the Central Bank of the Philippines. Started operations in Cabuyao, Laguna with a paid-up capital of 100,000.00.

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Laguna Prestige Banking Corporation, (A Rural Bank) https://upfinance.com/app/uploads/2019/08/Prestige_bank.jpg
J.P. Rizal St. corner F. Limcaoco St., Barangay Uno, Cabuyao, 4026 Laguna
Contact: (049) 531-2006 Fax: (049) 531-4834, rbcabuyao@rbap.org; prestigebank@yahoo.com
Interest rate 0.75% - 5%
Loan tenure from 3 to 180 months
Approval duration Up to 120 hours
Min. monthly income

Leading

Mr. Gilbert Francis B. Bella Position: President / Director / General Director

Product Features

Min. financing amount ₱ 20000
Max.financing amount ₱ 1000000
Min. loan tenure 3 months
Max. loan tenure 180 months

Credit

Home loan

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This loan includes purchase of lot, house and lot, condo units or the like. It can also be used for major renovation and/or additional improvements to the existing house/unit.
Interest Rates:  From 9.00% APR
Minimum loan amount: 300 000 PHP
Maximum loan amount: Up to 80% of assessed value
Payment terms: Up to 15 years
Total gross monthly income (minimum): 50 000 PHP
Approval time: 5- 21 banking days

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Micro-Financing loan

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A loan that establishes consumer credit that is granted for personal use; usually unsecured and based on the borrower’s integrity and ability to pay.
Interest Rates: From 3.7% per month
Minimum loan amount: 2 000 PHP
Maximum loan amount: 100 000 PHP
Payment terms: Up to 2 months
Approval time: 1-3 banking days

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Chattel Mortgage

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A loan to purchase a new passenger car and secured by chattel mortgage on the same car.
Interest Rates:  From 9.00% APR
Minimum loan amount: 300 000 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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Loan Calculator

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

Borrower requirements

Mayor’s Permit.
DTI Registration/Business Registration.
Latest Stall Ownership Certificate.
Maintaining Savings Account – for at least six (6) months of continuing deposits.
Co-maker from the same area where he/she holds business.
Purchase Order(PO), Receipts of Sale(OR), Invoices.
Cash Flow Analysis.
Tax Identification Number (TIN).
Picture of Borrower/s – 2×2 taken recently, signed at the back.
Valid ID with picture – for verification.

Business loan

Small and Medium Enterprise Loan

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Loan designed for funding of small and medium sized enterprises.
Interest Rates:  From 9.00% APR

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Agricultural Loans

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Agricultural loans are mainly loan extended for farming purposes.
Interest Rates:  From 9.00% APR

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Deposited

Savings Account (SA)
An account maintained by our investors in order to accumulate funds over a certain period of time. Funds deposited in a savings account may be withdrawn only by the account holder or an authorized agent or by non-transferable order of the owner. An account may belong to one or more individuals or corporations. Earnings in the form of interest are automatically credited to the account of the depositor on a quarterly basis.
 Initial deposit

  • Regular savings: Php 1 000.00
  •  Pensioner: Php 500.00 – request a form from SSS & SSS ID (photocopy)

Requirements

  • Any two (2) valid identifiers
  • 2pcs (1×1) recent ID card photos
  • Auto-Transfer Account (ATA) – account verification

Deposit account, which automatically allows you to transfer funds from savings to current account. An automatic transfer service account can transfer funds to ensure that a current account maintains a minimum balance, or to ensure that there are enough funds to cover a check. Funds are deposited and available for withdrawal at the discretion of the depositor. Withdrawing funds from an account does not require contact or entering into any prior agreement with the bank, if the account balance is sufficient to cover the withdrawal amount, and withdrawals take place in accordance with the procedures established in the bank, funds can be withdrawn upon request.

 Initial deposit

  • Regular checking account: Php 5,000.00
  • Special checking account: Php 2000.00

Requirements

Any two (2) valid identifiers

2pcs (1×1) recent photo ID

For residential purposes: a letter from the developer approved by Pag-ibig

For business purposes: business permit, DTI, registration with SEC & Permint Mayor

Energy Saving Deposit (PSD)
High interest savings deposit with a specific maturity. Withdrawals are made only on the day of its redemption. But if withdrawals are made before the expiration date, the penalty will be deducted from the estimated interest for a specified period. Interest rates change from time to time depending on the market.
Initial deposit: Php 10,000.00

Requirements

  • Any two (2) valid identifiers
  • 2pcs (1×1) recent ID card photos

Loan Installment

Micro financing
A loan that establishes a consumer loan that is provided for personal use; generally unsecured and based on the borrower’s integrity and ability to pay.

FAQ

The longest loan period is 15 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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This type of credit can be used by farmers and fishermen, micro and aqua- and – agri projects of local government units.
Borrower Requirements:
• Peoples Organizations
• Farmers Organizations
• Agrarian Reform Beneficiaries Organizations
• Other Conduits such as Co-ops, Rural Banks and NGOs

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Document requirements may vary depending on the Bank, but this list usually includes:
1. A copy of the certificate of registration, cooperation / registration statutes and statutes / regulations (for and for submission by the communication Service);)
2. Farm plan and budget (if applicable)
3. Business plan (if applicable)

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Bank provides credit for up to 2 years.

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Contacts

Full company name Laguna Prestige Banking Corporation, (A Rural Bank)
Address J.P. Rizal St. corner F. Limcaoco St., Barangay Uno, Cabuyao, 4026 Laguna
Phone number Contact: (049) 531-2006 Fax: (049) 531-4834
E-mail rbcabuyao@rbap.org; prestigebank@yahoo.com
Social networks

Milestones
June 4, 1961 – Rural Bank of Cabuyao, Inc., was incorporated.
August 26, 1961 – Granted Certificate of Authority by the Central Bank of the Philippines.
Started operations in Cabuyao, Laguna with a paid-up capital of 100,000.00.

Users rating

Reviews

7 months ago

Convenient and comfortable office

I like what the restoration that they have done in their head office. It is one of the architectural jewel of Cabuyao.

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