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 https://upfinance.com/app/uploads/2020/06/17799139_1466168300092233_1288391571876289726_n.png
San Jose Ext., Taclobo, Dumaguete, 6200 Negros Oriental
+63 35 421 1393 | (035) 4221792, info@phcci.coop
Interest rate 1% - 2%
Loan tenure from 1 to 120 months
Approval duration Up to 120 hours
Min. monthly income1

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

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Calamity 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

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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

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Grocery loan

Interest rates: 0% per annum
Maximum loan amount: 4 260 PHP
Payment terms: Up to 2 months
Approval time: 1-3 days

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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

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Appliance loan

Interest rates: 1% per month
Maximum loan amount: 50 000 PHP
Payment terms: Up to 24 months
Approval time: 2-3 days

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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

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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

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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

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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

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Loan Calculator

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

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
E-mail info@phcci.coop
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