Perpetual Help Community Cooperative in the Philippines
Perpetual Help Community Cooperative (PHCCI), formerly known as Perpetual Help Credit Cooperative, Inc. was organized on April 14, 1971 by thirty three (33) pioneer members with a starting share capital of PHP586.00, and was later registered with Cooperative Administrative Office on February 18, 1972 under Republic Act No. 2023. On May 19, 1975, it was […]
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Perpetual Help Community Cooperative (PHCCI), formerly known as Perpetual Help Credit Cooperative, Inc. was organized on April 14, 1971 by thirty three (33) pioneer members with a starting share capital of PHP586.00, and was later registered with Cooperative Administrative Office on February 18, 1972 under Republic Act No. 2023. On May 19, 1975, it was re-registered as a full-fledged cooperative with the Bureau of Cooperative Development under Presidential Decree No. 175 and Letter of Implementation No. 23.
Hence, being a multi-purpose cooperative PHCCI has opened avenues to launch or institute other products and services such as subdivision project, hostel & restaurant, memorial park, and money transfer (as agent ). However, providing providential and productive loans to its members remain the core services of the cooperative.
Credit
Business Enhancement loan
A loan window for entrepreneurs or businessmen/women. Must have a business registered and operating profitably for at least two (2) years.
Interest rates: From 18% per annum
Maximum loan amount: 200 000 PHP
Payment terms: Up to 12 months
Approval time: 3-5 days
Calculate loanCalamity loan
The member must have a rating of A or A-.
Interest rates: From 12% per annum
Maximum loan amount: 15 000 PHP
Payment terms: Up to 6 months
Approval time: 2-3 days
Educational loan
Interest rates: From 18% per annum
Maximum loan amount: 100 000 PHP
Payment terms: Up to 10 months
Approval time: 2-3 days
Grocery loan
Interest rates: 0% per annum
Maximum loan amount: 4 260 PHP
Payment terms: Up to 2 months
Approval time: 1-3 days
Housing loan
Interest rates: From 15% per annum
Maximum loan amount: 2 500 000 PHP
Payment terms: Up to 120 months
Approval time: 3-7 days
Appliance loan
Interest rates: 1% per month
Maximum loan amount: 50 000 PHP
Payment terms: Up to 24 months
Approval time: 2-3 days
Vehicle/Financing loan
Interest rates: From 18% per annum
Maximum loan amount: 1 000 000 PHP
Payment terms: Up to 36 months
Approval time: 3-5 days
Instant loan
Interest rates: From 2% per month
Maximum loan amount: 10 000 PHP
Payment terms: Up to 12 months
Approval time: 1-3 days
Pension loan
A loan window for pensioners of government pension funds (SSS/GSIS, PVAO, AFP, etc.).
Interest rates: From 1% per month
Maximum loan amount: 100 000 PHP
Payment terms: Up to 24 months
Approval time: 3-7 days
OFW Allottee loan
The member-applicant must be an allottee of an OFW.
The OFW does not have to be a member of PHCCI.
Interest rates: From 1,8% per month
Maximum loan amount: 50 000 PHP
Payment terms: Up to 12 months
Approval time: 3-7 days
Contacts
| Full company name | Perpetual Help Community Cooperative |
| Address | San Jose Ext., Taclobo, Dumaguete, 6200 Negros Oriental |
| Phone number | +63 35 421 1393 | (035) 4221792 |
| info@phcci.coop | |
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