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 […]
Visit sitePerpetual 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.
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
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
Interest rates: From 18% per annum
Maximum loan amount: 100 000 PHP
Payment terms: Up to 10 months
Approval time: 2-3 days
Interest rates: 0% per annum
Maximum loan amount: 4 260 PHP
Payment terms: Up to 2 months
Approval time: 1-3 days
Interest rates: From 15% per annum
Maximum loan amount: 2 500 000 PHP
Payment terms: Up to 120 months
Approval time: 3-7 days
Interest rates: 1% per month
Maximum loan amount: 50 000 PHP
Payment terms: Up to 24 months
Approval time: 2-3 days
Interest rates: From 18% per annum
Maximum loan amount: 1 000 000 PHP
Payment terms: Up to 36 months
Approval time: 3-5 days
Interest rates: From 2% per month
Maximum loan amount: 10 000 PHP
Payment terms: Up to 12 months
Approval time: 1-3 days
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
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